Traveling Without Insurance? Think Again
White water rafting in Costa Rica and adventures of the same nature are worth taking the risk.
Nowadays, most travel perils can be avoided without a sweat, like sacrificing a huge sum thanks to the untimely cancellation of a flight to Costa Rica due to motor failure, or perhaps missing the start of the rafting trip you've been waiting to go on.
By sacrificing a bit more money than usual, you can surely achieve some peace and a guarantee that you'll no longer encounter such whammies.
The growth of the trend known as adventure travel entails that excited explorers need to know more than just stuff on hiking boots and capilene fabrics.
They have no choice but to face the unadventurous topic of travel insurance.
That is because the price tag of an adventure travel trip, a substantial investment whether it's rafting down the Zambezi or bicycling inn to inn through the Vermont countryside, only provides protection against accidents that are the outfitter's fault.
But the catch is that the outfitter has liability insurance. Some, if not many of them certainly do not value this when this should even be the very first step they take prior to embarking on their adventure run.
If an outfitter does not have liability insurance and something goes very wrong along the way, it's the client who's stuck with the tab.
In terms of medical costs and emergencies, the traveler must use his own health insurance coverage for this and a fast call to his policy provider is all it takes to get all the necessary details.
Although if the traveler needs his medical attention but met his accident abroad, he has to advance it first and he will only get his reimbursement when he returns home.
All mishaps that happen prior to, after or while the trip happens is all on the traveler's shoulders, and such encompasses of a missed plane flight, losing luggage and possessions, or even the cancellation of the trip after a ripped ankle ligament resulting from an overly ambitious workout to prepare for the adventure travel.
Such unexpected woes are remedied by travel insurance.
Now as many outdoor explorers perceive most travel insurance as their anathema as defined in its degree of peril, many state that it has proven itself to still be the best and not to mention cheapest way to get the protection they should be armed with.
Running towards such trips without an insurance policy is simply as risky and ridiculous as rafting the Grand Canyon without bringing your paddle.
Even the most legitimate travel agents sell these kinds of policies off the shelves easily. This certain travel agency gives a policy known as the customized passenger travel protection plan which covers mountain travel related concerns and is worth 189 dollars for trips that cost up to 3,500 dollars.
It covers the traveler on the following. A few perks of travel insurance covers the following $20,000 if there occurs and emergency evacuation via helicopter or aircraft, $ 200 for any trip delays plus refunding all the necessary expenses when a trip is canceled or delayed.
Over and beyond this, the insured traveler will also find further protection in the following ways $3,000 worth of accident medical coverage, and the same amount as well for sickness medical expense, plus in the event of any lost belongings, they can avail of $200 to cover the incidental expenses that will arise during a baggage misplacement committed by airline staff, and a bigger $1,000 sum for the actuality of lost baggage.
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