Though dangerous, fun adventures like white water rafting in Costa Rica and the like are truly worth it. Now, certain travel risks can be avoided even sacrificing a huge amount of money due to the cancellation of a Costa Rica flight thanks to motor problems or missing the start of the rafting trip. The secret in avoiding such predicaments and ultimately have yourself some peace of mind is by spending a little bit more.

With the growth of the adventure travel phenomenon comes the demand for travelers to learn further than just what they wear such as lightweight travel boots or capilene clothes. They must learn to contend with travel insurance be it a most unadventurous topic. The hefty price tag in most travel insurance packages for those who aim to go Zambezi rafting, or inn to inn cycling in the Vermont countryside can only be covered if it is proven that the outfitter is guilty for the untoward incident.

But there is a catch for the outfitter must have liability insurance. Some certainly don’t when this should even the very first step they take prior to heading out and booking their exciting travel tours. Isn’t it just awful that once something goes wrong, it’s the client who will be stuck with the tab if the outfitter does not have any liability insurance coverage on his sleeve. Attending to the medical and emergency needs of the traveler during unwanted accidents just takes a phone call to his insurance provider for it will be his insurance company that will shoulder it.

But then there certainly is a catch since the client has to pay first if he is traveling abroad and he has to wait to come home first before he can get reimbursed. Everything else that could possibly happen before, during and after a trip is the traveler’s responsibility, including missing a plane, losing luggage or canceling a trip because an ankle twisted during an overly ambitious workout in preparation for the journey.

Travel insurance is the only answer to this unexpected malaise. Even as travel insurance can be perceived as a curse to thrill seeking travelers, as this also comes in with some level of risk, it’s still a cheap safety wall. Going to such trips without any travel coverage can be likened to going to the Grand Canyon without even a paddle in hand.

Driven insurance agents from the most reputable insurance companies are able to sell a lot of these insurance policies easily off the shelves. This certain travel agency gives a policy known as the customized passenger travel protection plan which covers mountain travel related concerns and is worth 189 dollars for trips that cost up to 3,500 dollars. It covers the traveler on the following. A few perks of travel insurance covers the following $ 20,000 if there occurs and emergency evacuation via helicopter or aircraft, $ 200 for any trip delays plus refunding all the necessary expenses when a trip is canceled or delayed. Apart from these, it also gives an accident medical coverage and sickness medical insurance worth $ 3,000 each, another $ 1,000 for the chances of lost or stolen baggage and finally, $ 200 more for accidental expenses if the insured traveler’s bags get lost due to the negligence of airline personnel.