Travel Insurance

As with any and all travel, we strongly recommend that you purchase a travel insurance policy in your home country that covers your cost due to cancellations. Though I’ve never had to cancel a tour, you may have to cancel your travel reservations in case of accidents, illness, interruption or anything else that may come up. In some cases, we make every attempt to replace you on the tour and accommodate you with a refund, but our general policy (as stated in the terms & conditions) is that Explore With Spike is not responsible and does not offer refunds for cancellations due to medical emergencies or any other reason. That’s why we strongly encourage you to purchase travel insurance to protect yourself.

Standard travel insurance reimburses fully for certain expenses if your plans are interrupted by unforeseen events. Standard coverage usually costs 4 to 10 percent of your trip’s total amount. 

A typical policy can cover losses resulting from a cancelled trip such as (but not limited to) airfare, lodging, car rental, equipment rental and fees for attending our Explore With Spike adventure tour. Many policies will also cover elements of your trip like lost, stolen and damaged items, cancelled flights, medical emergencies, etc.

As a reference for finding good travel insurance, one of these websites will always be my first stop:

After answering a few questions, these sites will give you multiple insurance quotes side by side so you can compare different policies. The best policy is the “cancel for any reason” policy.

Some companies I’ve used and had a great experience with…

INTERNATIONAL MEDICAL COSTS: For some international adventures, medical insurance may be necessary. Please check with your health insurance plan to ensure that you are covered. Supplemental travel insurance can also cover medical expenses in most foreign countries. (Getting sick or injured in certain foreign countries can be expensive for non-citizens!)
COVID-19 CANCELLATIONS: Most travel insurance policies do not cover COVID-related disruptions so if another variant wave is interrupting our lives, you may want “Cancel for Any Reason” coverage which reimburses for events that standard insurance doesn’t. It generally costs 40 percent more than a standard policy and reimburses up to 75 percent. You can buy standard insurance almost until departure, but you must buy CFAR coverage typically within 14 to 21 days of booking.
Cover your butt then pack your bag!