Frequently asked questions

Buy as soon as you pay your initial trip deposit. Many plans waive pre-existing-condition exclusions only when you purchase inside a window that can be as short as 14 days from that first payment, while cancel for any reason has its own window of 21 days from that payment. The exact deadlines are set by the plan and carrier, not by your expedition operator, and the waiver window varies by plan and state. Your certificate states the windows that bind you, so check them there. Once they pass they generally cannot be reopened. Compare eligible plans on a quote.

Not necessarily. Emergency medical evacuation, medical expense, baggage, and delay cover may still be available after the waiver window closes. What you cannot do is restore an expired pre-existing-condition waiver. Check the date of your first trip payment, then start a quote and we will show which time-sensitive benefits you are still eligible for.

Your operator sets two separate minimums: emergency medical evacuation, which is the limit checked before boarding, and emergency medical expense for treatment while travelling. Every plan we quote states both limits, along with its geographic exclusions and covered activities, so you can set them against your operator's requirement. Requirements vary by operator, itinerary, booking entity, and residence, and your booking documents control. Trip value is a separate, personal decision, and no operator mandates how much of your non-refundable trip cost you protect. Name your operator when you start a quote, and send the requirement from your booking documents with it.

Use the minimum stated in the documents governing your booking rather than a general figure for the region. Operators set two separate minimums: emergency medical evacuation, which is the limit checked before boarding, and emergency medical expense for treatment while travelling. Evacuation minimums for remote expeditions commonly run from $150,000 to $500,000 or more, and the medical minimum is usually set far lower. Quark Expeditions, for example, requires $50,000 of medical cover and buys evacuation cover for every passenger itself. Requirements vary by operator, itinerary, booking entity, and residence. We check both limits against every plan we quote at https://expedition.insure/quote

Rarely. Most credit card policies have low caps on medical evacuation (often $10k-$50k) and exclude 'extreme' activities or remote regions. They almost never satisfy the strict operator requirements for boarding.

It covers transporting a deceased traveler back to their home country. Most expedition operators require it alongside emergency medical evacuation, because the cost from a remote region is substantial, but the requirement is set per operator — check the documents governing your booking. We verify repatriation cover against your operator's stated requirements when we quote at https://expedition.insure/quote

Yes, as long as your full trip cost is insured. The RoamRight Global Plan insures up to $25,000 per person, so if your trip costs more than that you can insure the balance with another provider and the waiver still stands. The other waiver conditions still apply, including buying within 21 days of your initial trip deposit.

Claims are handled by the insurance carrier that underwrote your policy, not by us. They decide the claim and they pay it. We help you file it. Send us your policy number and what happened, and we will walk you through that carrier's process and follow it up with them. Photograph every receipt as you incur it, and make sure it is the itemised store or clinic receipt. A credit card slip or a card statement shows only that you paid something, not what you bought, and carriers will not settle a claim on those. Keep doctor's reports and proof of delay the same way, and take the picture at the time rather than hoping to find the paper later.

Trip Delay coverage kicks in. This helps reimburse meals and accommodation expenses while you wait. If the delay causes you to miss the ship's departure, Missed Connection coverage can help with costs to catch up (if possible) or reimbursement of the trip.