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How Travel Insurance Can Protect Your Camping Trip

father and son camping
Allianz - father and son camping

Crisp air, starry skies, a flickering fire…  camping is the perfect no-stress fall getaway. But even when you’re away from it all, unexpected mishaps can mess with your plans.

That’s why travel insurance is a must for your camping trip. A simple insurance plan gives you perfect peace of mind, no matter where you wander, because you know help’s just a phone call away. Here are five reasons to protect your next expedition with travel insurance.

Travel insurance can protect your campground fees and other prepaid costs.

Just like hotels, campgrounds often have strict cancellation policies. This means you could lose some or all of the money you’ve paid for your campsite if you must cancel your trip unexpectedly.

Trip cancellation benefits can reimburse you for unused, pre-paid, nonrefundable trip costs if you must cancel your trip for a covered reason. These costs can include not only lodging and transportation costs, such as RV rental fees, but any activities, tours, etc. for which you pre-paid.

“But camping’s not too expensive,” you might say. “Why should I bother insuring my trip if I’m only spending $50 per night?” The price of single-trip travel insurance is based, in part, on trip cost. So if your vacation is affordable, your insurance plan will be, too. See for yourself! Get a quote for a low-priced insurance plan like OneTrip Cancellation Plus.

Travel insurance can guard your camping gear.

If you’re new to camping, the first thing you learn is that you need a lot of stuff. And that stuff isn’t cheap. If you invest in mid-level gear — e.g. a tent that will last several seasons, but isn’t intended as a Himalayan base camp — you may spend north of $600 for everything you need.1

Travel insurance with baggage benefits can safeguard that investment! Baggage loss/damage benefits can reimburse you for the loss, damage or theft of baggage and personal effects. Baggage delay benefits can reimburse the reasonable additional purchase of essential items during your trip if your baggage is delayed by a common carrier for 12 hours or more. Imagine you’re flying to Alaska for a once-in-a-lifetime Denali camping trip, and your tent gets torn in transit. With travel insurance, your loss can be covered.

If your plan includes SmartBenefitsSM, you can opt to receive a fixed inconvenience payment of $100 per insured person, per day, for a covered travel delay or baggage delay. No receipts required — just proof of a covered delay!

Travel insurance can evacuate you in a covered medical emergency.

Camping lets you flee crowds and civilization, but that also means you may be far from help if you need it. If you get hurt or fall ill while you’re in a remote area, emergency medical benefits can be a lifesaver.

Most air ambulances are not covered in-network by health insurance. A medical evacuation by helicopter within the United States can often cost $30,000- $40,000, according to recent data.2

If you suffer a covered medical emergency during your trip and our medical team determines that the local medical facilities are unable to provide appropriate medical treatment, emergency medical transportation benefits can pay for you to be transported to the nearest appropriate facility. Please note that in order to receive these benefits, you or your representative must contact Allianz Travel Insurance  to make transportation arrangements in advance.

Travel insurance can save you from costly rental car fees.

Renting a car for your big camping trip? There are two hazards to look out for. One is getting overcharged at the rental counter, when you may feel pressured to spend a ton on optional insurance. The other is accidentally scraping or denting your rental car, then getting a huge bill for the damage.

Here’s one solution to both problems: the Rental Car Damage Protector from Allianz Travel Insurance. This super-affordable rental car insurance provides primary coverage for covered collision, loss and damage up to $40,000, along with trip interruption and baggage coverage, for only $9 per calendar day (cost for FL residents $7 per calendar day).

Travel insurance can be there when you really, really need some help.

If you’re an experienced camper,  you know that sometimes, things happen that you could never predict. Maybe bad weather strands you on an uninhabited island. Maybe you dropped your car keys somewhere on the trail, and the nearest Lyft is 50 miles away.

If you’re facing a situation that you just don’t know how to handle, call 24-Hour Hotline Assistance. This benefit, included with every plan from Allianz Travel Insurance, connects you with an elite team of travel experts who can help you solve all kinds of travel dilemmas. They can assist with new travel arrangements, help you replace travel documents, connect you with loved ones back home, and much more.

Make sure you download the TravelSmart app from Allianz Travel Insurance before you go. This free app lets you contact emergency assistance, manage your policy, get coverage details and file a claim, among other uses.

Wherever your wanderlust takes you, we’re right there with you. Happy trails!

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Sep 14, 2020