Hunting

Hunting and fishing trips usually require a fair bit of preparation, with location, seasonality, equipment, and safety all being important considerations. But you also need to remember hunting-trip insurance when you’re preparing to head out on a hunt.

Nature and wildlife is unpredictable, and travel insurance for hunting and fishing protects your trip investment, including travel, equipment, tours, and guides. More importantly, it provides peace of mind when venturing into remote and potentially dangerous environments.

What You Need to Know About Travel Insurance for Hunting and Fishing
Benefits Covered Under a Hunting and Fishing Trip Travel Insurance Plan
Exclusions to Coverage With Hunting Trip Travel Insurance
The Cost of Hunting Trip Travel Insurance
Tips and Considerations for Hunting Trip Travel Insurance
FAQs
Redpoint Travel Protection has you covered

What You Need to Know About Travel Insurance for Hunting and Fishing

Travel insurance for hunting and fishing provides coverage for outdoor enthusiasts embarking on hunting or fishing trips, both domestically and abroad.

Whether you’re traveling to wilderness areas for big-game hunting or embarking on a deep-sea fishing adventure, these policies are tailored to address the unique risks and challenges involved in such activities. They include specific provisions related to hunting and fishing equipment, the remote nature of hunting locations, and the medical risks associated with outdoor sports.

Benefits Covered Under a Hunting and Fishing Trip Travel Insurance Plan

Not all standard travel insurance plans will cover you for hunting and fishing, as these can be considered high-risk activities. However, a comprehensive plan that does cover these activities — like Redpoint’s Ripcord — will also typically provide the following benefits to protect both you and your personal belongings.

Trip cancellation and interruption

Trip-cancellation and -interruption coverage is a standard benefit that typically covers non-refundable trip costs, including flights, accommodations, and prepaid activities in the event you have to cancel your trip. While you can’t cancel for any reason, trip-cancellation benefits usually cover the most common reasons a hunting or fishing trip needs to be called off.

In addition to the standard roster of covered events, Ripcord offers unique trip-cancellation and -interruption benefits for hunting and fishing, taking your coverage to the next level. For example: If the local government issues a restriction that prohibits the hunting or fishing activity you booked the trip for — i.e., closing the hunting or fishing reserve, declaring your chosen hunting or fishing activity illegal, or banning hunting or fishing altogether — either before your cancellation date or while you’re on your trip, our top-of-the-line plan should have you covered.

Medical coverage

If you suffer an injury while hunting or fishing, medical coverage may reimburse you for hospital visits, surgeries, medications, and other medical expenses. Many policies also include coverage for medical emergencies related to accidents that occur while engaging in risky activities, like hunting, which may not be included in regular travel insurance plans.

Equipment coverage

Hunting and fishing equipment, such as firearms, rods, and specialized clothing, can be costly. If your valuable property is damaged, lost, or stolen during your trip, equipment coverage can help reimburse you for the cost of replacements or repairs. Some policies may even extend this coverage to rented equipment.

Trip delays

Whether it’s a missed flight connection or fluctuating travel plans, travel and flight delays can disrupt your entire schedule. A hunting and fishing insurance plan may cover the additional costs and expenses incurred — i.e., meals, lodging, and transportation — if you encounter weather delays or other unforeseen events.

Medical evacuation

For adventure travel in general, one of the most important benefits of a travel insurance policy is emergency medical evacuation — and it’s crucial for hunting and fishing trips, especially if you’re traveling to remote environments where immediate medical assistance might be unavailable or hard to access.

If you sustain an injury or have an unforeseen accident while deep in the wilderness or on a boat far from shore, medical evacuation services can transport an insured hunter to the nearest appropriate medical facility. For many of our competitors, the nearest appropriate hospital is determined by the attending medical physician — and that’s not suitable for hunters and fishers.

Ripcord, on the other hand, evacuates the injured hunter from the point of injury or illness to their home hospital of choice — yet another example of the standout coverage you’ll receive with our top-of-the-line plan.

Exclusions to Coverage With Hunting Trip Travel Insurance

While hunting-trip travel insurance offers comprehensive protection, some things are exempt from coverage. Common exclusions may include:

Pre-existing medical conditions

Many policies will not cover medical issues related to pre-existing conditions unless a waiver is obtained.

Illegal activities

Any injuries or damages incurred while engaging in illegal activities (such as hunting without a license) will not be covered.

Injuries that occur while intoxicated may not be covered under your policy.

Extreme weather cancellations

While some policies cover canceled hunts and lost hunting time for weather-related reasons, others may exclude certain events, like hurricanes, heatwaves, or droughts, unless explicitly stated.

The Cost of Hunting Trip Travel Insurance

Pricing for a hunting-trip travel insurance premium will vary depending on a variety of factors, including the destination you’re traveling to, the length of your trip, the value of your gear, and the level of risk involved in your trip. As a benchmark, you can expect to spend between 4% and 10% of the total trip cost.

Tips and Considerations for Hunting Trip Travel Insurance

Review coverage limits

Make sure that your policy’s limits for medical evacuation, equipment loss, and trip cancellations are sufficient for your needs.

Declare high-value items

If you’re bringing expensive hunting or fishing equipment, ensure it’s fully declared and covered under the policy.

Understand cancellation policies

Even if you’re an insured hunter, cancellation caused by missed flights, bad weather, hunting consultants’ or guides’ illness, and other trip disruptions may not be covered, so check your plan to determine the details. If you need cancel for any reason (CFAR) coverage, that’s usually an optional add-on for an extra cost.

Buy early

Purchase travel insurance as soon as you book your trip to ensure maximum coverage in case something goes wrong before departure.

Be aware of policy exclusions

Familiarize yourself with exclusions related to high-risk activities, alcohol consumption, and unlicensed hunting.

FAQs

Is travel insurance worth it for hunting and fishing trips?

If you want to protect your significant financial investment in a hunting or fishing trip, then yes — travel insurance is worth it. Travel insurance can protect you against trip cancellations due to unforeseen events, like illness, injury, or bad weather. It can also cover lost or damaged gear, medical emergencies, and even evacuation from remote locations.

Are there limits on baggage coverage for hunting trip travel insurance?

The limits on baggage coverage — especially for high-value items, like firearms, fishing gear, and other specialized equipment — will vary depending on your specific policy. For very high-value items, you may need to purchase additional coverage. Make sure you review the terms of your policy to understand coverage limits, rather than just assuming all your expensive or hard-to-replace gear will be covered.

Redpoint Travel Protection Has You Covered

If you’re looking for comprehensive travel insurance that will give you the total peace of mind you need to enjoy your hunting trip, Redpoint Travel Protection has what you’re looking for. Contact us for a quote today.