Our most comprehensive travel insurance, with evacuation, rescue, and premium coverages.
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About Ripcord
Ripcord takes the worry out of travel by providing 24/7 access to medical and security professionals combined with the best evacuation, rescue and optional travel insurance coverages designed for adventurers.
If you are injured, ill, or caught in a dangerous situation 100 miles or more from home, we will get you home safely. Plus, insure your trip with trip cancellation/interruption, primary medical expense coverage, sporting goods and more.
Features
30 covered reasons for cancellation & interruption, including business reasons and pets
Provides broad protection if your trip is canceled or cut short for a wide range of covered events, including unexpected work obligations or certain pet-related emergencies.
Pandemic coverage that includes cancellation, interruption, and quarantine
Covers eligible losses related to a pandemic, offering protection if you need to cancel, interrupt your trip, or are placed under a required quarantine.
Premium Medical Evacuation Services to your home hospital of choice
Ensures access to high-quality medical evacuation, transporting you to the hospital you prefer when medically necessary.
$100,000 of secondary medical expense coverage
Helps pay for covered medical expenses incurred while traveling, supplementing your primary health insurance.
Pre-existing medical condition waiver if purchase conditions are met
Allows coverage for eligible pre-existing conditions when the plan is purchased within required timeframes and guidelines.
Travel inconvenience benefits
Provides reimbursement for covered delays, missed connections, and other unexpected travel disruptions that add out-of-pocket costs.
Ripcord Benefits
| Benefits | Maximum Benefit Per Person |
|---|---|
Trip Cancellation* |
Up to 100% of the insured trip cost |
Cancellation For Any Reason (CFAR)** |
Up to 75% of Trip Cost – Optional for additional cost |
Trip Interruption*,*** |
150% of the Trip Cost limit |
Trip Delay |
up to $200/day, $1,000 max |
Itinerary Change |
$250 per person |
Single Occupancy Supplement |
up to 100% of Trip Cost |
Missed Connection |
$1000 |
Travel Inconvenience |
$250 per each inconvenience up to a maximum of $750 |
Pet Return |
Up to $1000 |
Baggage & Personal Effects |
$2,500, subject to per item maximum of $300 |
Medical Evacuation & Repatriation of Remains |
included up to $1,000,000 |
Political, Security or Natural Disaster Evacuation |
$125,000 |
Search & Rescue |
$25,000 |
Baggage Delay |
12 hrs min delay, $600 max |
Baggage Delivery |
$100 per trip |
Emergency Accident and Emergency Sickness Medical Expense |
$100,000 per person |
Dental Expense |
$750 per person |
Accidental Death & Dismemberment |
$25,000 |
*Up to the lesser of the Trip Cost paid or the limit of coverage on Your confirmation of coverage
**$1000 Return air ticket cost only if $0 Trip Cost displayed for Trip Cancellation
**$1000 Return air ticket cost only if $0 Trip Cost displayed for Trip Cancellation
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Our most comprehensive travel insurance plan for adventure travelers includes evacuation, rescue, and premium coverage.
Ripcord – Frequently Asked Questions
How does Ripcord's search and rescue coverage work, and what are the limitations?
Travelers can contact Ripcord’s elite evacuation team by mobile phone, satellite phone or messaging device, email, or other means to request a remote rescue. Ripcord has rescued travelers from remote corners of the world including polar regions, remote African savannahs, deep jungles of South America, mountain peaks in Asia and everywhere in between.
Can I customize the coverage limits for specific benefits, such as medical evacuation or trip cancellation?
Travelers can select different plans when purchasing but specific customization of benefits is not an option.
Does the policy cover extreme sports or high-risk activities like mountaineering, skydiving, or scuba diving?
The policy covers many adventure activities. The policy excludes coverage for certain high-risk activities. Excluded activities include BASE jumping, bull riding, bungee jumping, cliff diving, and scuba diving beyond 131 feet (40 meters), among others
What makes Ripcord unique compared to standard travel insurance?
Ripcord Adventure Travel Protection stands out with its adventure-focused coverage, which includes benefits such as emergency medical evacuation, political and natural disaster evacuation, and comprehensive search and rescue services. Unlike standard travel insurance, Ripcord’s benefits are explicitly tailored for high-risk activities, providing support for thrill-seekers and extreme sports enthusiasts who need more than conventional coverage.
How does Ripcord's coverage benefit adventure travelers and extreme sports enthusiasts?
Ripcord is tailored for adventure travelers by offering benefits like search and rescue, medical evacuation to the insured’s home hospital, and political or security evacuation. These coverages provide critical support for travelers engaging in remote or challenging activities.
Can Ripcord assist with both medical emergencies and non-medical evacuations?
Yes, Ripcord covers both medical emergencies and non-medical evacuations. Medical evacuation is provided if the insured suffers a life-threatening injury or illness requiring transportation to the nearest appropriate medical facility. Non-medical evacuation, or political/security evacuation, is available if the insured faces imminent physical danger due to civil or political unrest or a natural disaster.
What types of trip cancellation reasons does Ripcord cover?
Ripcord offers 32 covered reasons for trip cancellation and interruption, encompassing a wide range of unforeseen events. These include injury, illness, or death of the insured or a family member, mandatory evacuation orders, terrorist incidents, quarantine, and even the loss of accommodations due to natural disasters.
How does Ripcord's claims process work, and what support does Redpoint offer during an emergency?
Ripcord's claims process requires the insured to provide itemized receipts and documentation from service providers and submit a claim through our online claims portal. Redpoint, as the designated Travel Assistance Services Provider, offers 24/7 support for emergencies, including pre-authorizing and arranging services like medical evacuation, search and rescue, and repatriation.
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