Start with eligible costs
Add prepaid, non-refundable expedition fares, flights, hotels, transfers, and other bookings you want the policy to protect. Check the policy definition before including a cost.
Pricing guide
How much does expedition travel insurance cost?
Expedition travel insurance typically costs 2–10% of your trip cost for trip protection, or $2–$7 per day for travel medical coverage. Your exact price depends on your age, trip cost, and coverage level.
Medical and evacuation
Included
Trip protection
2–10% of trip cost
Trip protection scales with trip cost. Emergency medical and evacuation are built into the plan.
Based on nearly 2,000 quotes across major expedition insurance carriers.
Trip value guide
Choose the trip value you want to insure
Trip value is the eligible prepaid, non-refundable cost you choose to protect. It is not the insurance premium, and it does not have to include refundable bookings.
Get US$5,000 trip value cover per traveler
Expeditions are complex, involved trips that require coverage for you and your investment in your trip.
Check clauses before insuring less
Some policy clauses, including some pre-existing condition waivers, may require you to insure 100% of eligible prepaid, non-refundable trip costs. Read the policy wording carefully before choosing less than the full value.
Your estimated price range
Here's a quick estimate so you can shop around — adjust the details below to explore. These are estimates; your exact quote may vary.
Coverage type
Traveler age
$15,000
$5,000$50,000
Estimated cost per traveler
$300–$900
2–6% of trip cost
Get an exact quote
Estimates based on published rate ranges and recent quotes. Your exact quote depends on your plan, destination, and traveler details.
What expedition cover has to include
One plan covers both: you, and the money you have already committed to the trip.
Medical and evacuation: coverage for you
Emergency medical expenses and emergency evacuation are built into every expedition plan we quote.
Emergency medical Up to $500,000
Emergency evacuation Up to $1,000,000
Includes emergency medical expenses, emergency medical evacuation and repatriation, and 24/7 global assistance.
Expedition-grade evacuation limits run far higher than a simple consumer plan or the cover bundled with a credit card. A helicopter lift off the Antarctic peninsula or a remote safari camp is what those limits are sized for.
Cancellation and interruption: coverage for your trip investment
Covers the non-refundable money you have committed, priced as a percentage of your total trip cost.
Standard plan 2–6% of trip cost
A $15,000 Antarctica cruise → $300–$900
Premium plan 4–10% of trip cost
A $15,000 Antarctica cruise → $600–$1,500
Includes trip cancellation, trip interruption, travel delay and baggage.
Cancel for any reason (CFAR) coverage is available as an add-on to eligible plans for additional cost.
Why Mass-Market insurance falls short
Allianz, faye, and other consumer travel plans aren't built for polar landings, Zodiac excursions, or remote evacuations. Here's what changes when you pick an expedition specialist.
Mass-Market consumer plan
Built for cruise lines and city breaks.
Likely denied
Helicopter evacuation from a Zodiac excursion off the Antarctic peninsula — "adventure activity" exclusion.
Expedition specialist plan
Built around your operator's required coverage.
Paid in full
Evacuation from Ushuaia to a buenos aires hospital after an onboard fall — operator-compliant medical and evacuation limits.
We size every quote against your operator's requirement sheet so the coverage matches the trip you actually booked.
How age affects your price
Age is the single biggest factor in expedition insurance pricing. Most expedition travelers are 50–70, so this matters.
Under 40
Baseline
Travelers under 40 pay the lowest premiums. On a $20,000 trip, standard trip protection might run 2–4% of trip cost.
Ages 40–59
~1.5×
Premiums increase roughly 50% over the baseline. That same $20,000 trip moves to about 3–6% for standard coverage.
Ages 60+
~2×
Premiums roughly double. The $20,000 trip now costs about 4–8% for standard coverage. Medical evacuation risk from remote destinations drives most of this increase.
These are general ranges based on market data. Your actual quote depends on your specific age, trip details, and chosen plan.
Example pricing scenarios
Real-world examples to help you estimate your cost. All figures are approximate ranges.
These reflect recent quote ranges and refresh quarterly. Your real quote is tailored to your trip, operator, and travelers.
Antarctica — couple, mid-50s
$28,000 trip · 14 days · standard plan
$840–$1,400
At roughly 3–5% of trip cost, this covers trip cancellation, interruption, medical, and evacuation for two travelers.
Arctic Svalbard — solo traveler, 35
$12,000 trip · 10 days · standard plan
$240–$480
Younger travelers pay less. At 2–4% of trip cost, this is a straightforward standard plan for a shorter expedition.
Safari — family of 4, ages 45–68
$48,000 total trip · 18 days · standard plan
$2,400–$3,850
The older travelers in the group pay more per person. The 68-year-old's premium is roughly double the 45-year-old's, pushing the total to about 5–8% of trip cost.
Frequently asked questions
How much should I budget for Antarctica travel insurance?
Budget 2–10% of your trip cost depending on coverage level and your age. For a typical $15,000–$30,000 Antarctic expedition, that's roughly $450–$2,400 per person. Travelers over 60 should budget toward the higher end.
Does age affect expedition insurance pricing?
Yes, significantly. Travelers over 60 typically pay about double compared to those under 40. This is the single biggest pricing factor — a couple in their mid-60s will pay noticeably more than younger travelers on the same trip.
Is expedition travel insurance more expensive than regular travel insurance?
Yes. The higher cost reflects remote locations, expensive evacuation logistics, and high trip values. Medical evacuation from Antarctica can cost $150,000–$300,000, which is reflected in premiums.
What's the difference between travel medical and trip protection insurance?
Travel medical ($2–$7/day) covers emergency medical expenses and evacuation only. Trip protection (2–10% of trip cost) adds trip cancellation, interruption, travel delay, and baggage coverage on top of medical benefits.
What percentage of trip cost goes to expedition insurance?
Typically 2–10%. Standard plans run 2–6% of trip cost, while premium plans with higher limits run 4–10%. Travel medical plans without cancellation coverage cost $2–$7 per day regardless of trip value.
When should I buy expedition insurance to get the best coverage?
Buy within 14 days of your initial deposit. Pre-existing condition waivers can close that early on some plans, and cancel for any reason (CFAR) closes at 21 days, so the shorter window keeps both on the table. The premium itself doesn't change based on timing, but the coverage you qualify for does. Your certificate states the windows for your plan, so check them there.
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