More than 1,200 travel companies sell Travel Guard insurance to their clients. Here’s why: the insurer, which has been in business for more than 25 years, has a base policy that includes vacation and trip cancellation, travel interruption and delay, emergency medical and health expenses, lost baggage, and more. It also offers two important add-ons: hazardous-sports protection of up to $25,000, with coverage of injuries incurred while high-altitude trekking or bungee jumping, among other pursuits; and evacuation coverage of up to $1 million. Policy costs vary depending on age and the length and price of the trip, but are far less than chartering a helicopter should things go drastically wrong.
The official emergency-response service for the U.S. ski and snowboard teams and the American Alpine Club, Global Rescue has saved a woman gored by a Cape buffalo in Africa and climbers caught in a violent miner’s strike in Indonesia. Its medics are largely military-trained former Special Forces, and they’re like having a Navy SEAL team at your disposal. They’ll not only get you out of danger, but they’ll also deposit you at the hospital of your choice (wherever that may be). Individual memberships, $329 per year for medical only and $655 with security.