Yes, organizing your own travel insurance is a necessity on all of our adventures. Here’s what your policy must cover:
Personal accident and death/repatriation costs
All medical and emergency including Covid-19
Cancellation: pre and post departure for all reasons including medical and Covid-19
Curtailment and delays
Baggage damage, loss or theft
All activities on the itinerary
Any pre-existing medical conditions (if applicable)
Personal Liability (optional but recommended)
Is there anything else I should consider?
We recommend checking official travel advisories to see the current status of your destination, as this can help you choose insurance that's right for your trip:
UK residents: review the Foreign, Commonwealth & Development Office (FCDO) Travel Advice before your adventure.
US residents: consult the US Department of State Travel Advice for important travel information.
Australian residents: check the Smart Traveler website for up-to-date travel advice.
Residents of other countries: refer to the travel advice provided by your own government or local consulate.
When reviewing travel advisories, it's helpful to:
Note your destination's current advisory level
Check that your insurance policy covers travel to destinations at that level
Travel conditions can change before departure, so stay updated with the latest information to ensure your insurance remains appropriate for your journey.