Hello! Im currently trying to navigate the murky waters of travel insurance!!!! Im so frustrated!
I'm doing a Trek America tour but will be travelling before and after the tour also. I dont know whether to go with trek America's insurance recommendation or find my own. Trek America's insurance seems rather expensive but im finding it a pain to find an alternative cover that fulfils Trek America's requirements (personal accident costs inc air ambulance and helicoper rescue + cover for activities (ill be doing white water rafting)).
Can anyone recommend a company? Also what did other Trek America customers do? Did you use their insurance?
I used World Nomads, they were great. If they meet your requirements I would definitely recommend them. Both myself and my friend also used them to insure personal items as well (e.g. camera) and when it actually broke, I had no problem receiving my claim from them.
You are going white water rafting, you are going with a tour operator who are organising the trip, know the facilities and people they are using, have assessed the risks and who should have matched their insurance to suit the trip. And you want to spend time and effort trudging around the internet trying to get a deal? To save how much? How much have you spent on the trip? If you take the TA policy they should have good links with the insurance company so that everything will go smoothly if anything unfortunate - such as hospitalisation, repatriation - occurs to you, which hopefully it will not. However if it does, the last thing you will be wanting to do is worrying about what you did with the policy document and liaising with the insurance company yourself. You have a tour operator - use them. Their recommendations are there for a reason. If you were having two weeks reading a book on the beach, then sure. have a look around. But don't scrimp on activity insurance.
I agree with Rienne. Then you can purchase cheaper insurance for any extra days you plan on travelling.