Buying travel insurance for a cruise or a week-long jaunt to France is pretty easy.  Just hit up WorldNomads or any of the other great a travel insurers that are out there, and you should be on your way in no time.  Buying insurance for something like TME, on the other hand, requires quite a deal more consideration.  Here are just a few of the things that make everything a little more complicated:

• I will be carrying thousands of dollars worth of equipment.
• I will be traveling in a country where pretty much any moderate injury requires a medevac.
• I will be riding horses for 90+% of the trip, an activity that carries a reasonable risk of injury.
• I’m unsure as to how long the project will actually last.  I could be there only 3 months, or I could be there for 6 or more.

Insuring TME is more like insuring an expedition than a family holiday, and I need to make sure that whatever insurer I choose to go with understands that and won’t try to nickel and dime me on everything.  I also need to find an insurer that has experience with SAR (search and rescue) insurance.

How you can help:

If you have any recommendations of insurers to look at, questions I should ask, or policy terms I should look for, I would love to hear them.  I really would love any advice at all on travel insurance, as I have never actually purchased it before.  If you’re an insurer and you’re reading this and you think that your company would be a good fit, please get in contact with me.

[Photo by Bearden]