Trip insurance is required for some of our programs and strongly recommended for all others. A trip insurance policy can cover trip cancellation, trip interruption, medical evacuation, rescue services, baggage delay, etc. It is easy to purchase a policy online and inexpensive relative to the cost of your trip. This is the best way to protect your experience, and your investment.
It is important to make sure any policy covers the specific activity you will be participating in, i.e. backcountry skiing (away from resort boundaries), mountaineering, etc. Many general travel insurance policies have exclusions for adventure sports, so we recommend using a company that specializes in these sorts of activities.
Many policies offer "Cancel For Any Reason" for an additional cost. This specific type of coverage usually requires purchasing the policy within 14-21 days of paying your trip deposit. A standard policy can usually be purchased at any time before the trip.
OUR RECOMMENDATION: RIPCORD RESCUE TRAVEL INSURANCE
We have partnered with Ripcord because of their excellent coverage and reputation in the industry. Unlike most companies they handle claims in-house, and their rescue and evacuation services are above and beyond. This is the one we use and recommend. Start here: Ripcord Rescue Travel Insurance
Other options known to work for ski and mountaineering trips include: Global Rescue Travel Insurance and World Nomads. Regardless of which policy you choose, be sure to read the fine print and know how your plan will cover the various life scenarios that can affect your trip (COVID-19 for example).