Information about Third-Party Trip Insurance
Trip insurance is not required but is strongly recommended on summer 2021 trips. Each year before their trip starts, some students must cancel their participation in an Adventure Treks trip because of medical reasons or unforeseen family or personal circumstances. Should your child be unable to attend or have to leave a summer trip early, trip insurance can help you recover the cost once Adventure Treks tuition becomes non-refundable after March 1, 2021.
Trip insurance policies can cover a variety of situations, including (but not limited to): illness, injury, evacuation, or emergency medical coverage; travel delay; lost baggage; trip interruption; etc. Most policies require you to purchase coverage within 15 to 21 days of your initial deposit in order to include pre-existing conditions and the additional “cancel for any reason” upgrade (which we highly recommend purchasing). The cost of insurance policies typically ranges from 3–5 percent of the total program cost (policies offered also vary by state).
Here is some helpful information we found regarding “cancel for any reason” upgrades vs. the standard trip cancellation protections.
Adventure Treks does not offer any insurance policies, nor are we affiliated with any insurance company. If interested in learning more about trip insurance, please contact insurance providers directly. A few companies we recommend (because our families have used them in the past and have had good experiences) include Travelex, TravMark, and TripMate—though you’re welcome to use any insurer you prefer.
Though we try to remain informed and up-to-date regarding policy changes with insurance providers, remember that the providers themselves are your best source of information, so we always recommend calling them directly with questions.
Insurance in the age of COVID-19
In spring 2019, many insurance providers stopped offering the option to purchase “cancel for any reason” (CFAR) policies due to COVID-19. While most have begun offering CFAR again, it’s important to get clarification from your provider regarding these questions:
Will CFAR or a standard policy cover cancellation due to a “fear of travel” by families? Most companies do not cover “fear of travel” cancellation and will not reimburse those worried about how COVID-19 may impact their travel.
Will CFAR or a standard policy cover cancellation due to a positive COVID test or exposure to someone who’s sick or tested positive before a trip? Most companies may reimburse your tuition and travel costs if your student or someone in your household has tested positive for or has been exposed to someone who’s tested positive for COVID-19. This applies to many other illnesses as well.
Will CFAR or a standard policy cover cancellation if the company my student is traveling with cancels their trip? Most companies will not reimburse if the company (e.g., Adventure Treks) cancels a trip. Please read through our terms and conditions and cancellation policies here regarding trip cancellation.
Here is some helpful information we found from World Nomads regarding travel insurance in the age of COVID-19.