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Insuring an Expedition

Submitted by on August 15, 2010 – 10:32 am2 Comments

Buying travel insurance for a cruise or a week-long jaunt to France is pretty easy.  Just hit up WorldNomads or any of the other great a travel insurers that are out there, and you should be on your way in no time.  Buying insurance for something like TME, on the other hand, requires quite a deal more consideration.  Here are just a few of the things that make everything a little more complicated:

  • I will be carrying thousands of dollars worth of equipment.
  • I will be traveling in a country where pretty much any moderate injury requires a medevac.
  • I will be riding horses for 90+% of the trip, an activity that carries a reasonable risk of injury.
  • I’m unsure as to how long the project will actually last.  I could be there only 3 months, or I could be there for 6 or more.

Insuring TME is more like insuring an expedition than a family holiday, and I need to make sure that whatever insurer I choose to go with understands that and won’t try to nickel and dime me on everything.  I also need to find an insurer that has experience with SAR (search and rescue) insurance.

How you can help:

If you have any recommendations of insurers to look at, questions I should ask, or policy terms I should look for, I would love to hear them.  I really would love any advice at all on travel insurance, as I have never actually purchased it before.  If you’re an insurer and you’re reading this and you think that your company would be a good fit, please get in contact with me.

[Photo by Bearden]


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  • Hedy says:

    Two thoughts: I’d try cold-calling travel insurance companies (I’ve used Travel Guard for week-long vacations and successfully filed claims). At the very least, you might want to look into them for a policy which covers medical evacuation and repatration of remains.
    Secondly, would you consider looking into whether if you got renters insurance in the states, you could get a rider to cover your photography equipment. Similarly you might want to look into an accidental death and dismemberment policy.