Every trip can include comprehensive coverage
Trip Cancellation & Interruption
Full reimbursement for covered cancellations — illness, weather, airline failures, and more.
Emergency Medical & Evacuation
Hospital care and emergency evacuation to the nearest appropriate facility, anywhere on earth.
Baggage & Personal Effects
Lost, stolen, or damaged luggage — including high-value items when declared in advance.
Travel Delay & Missed Connections
Meals, hotels, and rebooking costs when your journey hits an unexpected delay.
24/7 Global Assistance
One number to call, any time zone — concierge support for any issue mid-journey.
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Get a Travel Insurance QuoteWe don't just plan adventures — we live them
A few moments from trips we've taken ourselves — running with the bulls at San Fermín, staying in a Highland castle, waking to howler monkeys in Costa Rica, summiting Kilimanjaro. When we recommend a level of coverage for an adventure, it's because we've lived that adventure and know exactly what can go wrong, what standard policies exclude, and what protection it really takes.
Because we've lived it
Every recommendation we make comes from real experience. Here are a few stories from trips our own family has taken — and, where it mattered, what travel insurance actually did for us along the way.
Face to face with mountain gorillas
We trekked through dense bamboo forest in Volcanoes National Park, climbing for hours through thick vegetation before our guide held up a hand — and there they were. A silverback and his family, close enough to hear them breathing, completely unbothered by our presence. It's one of maybe a thousand mountain gorillas left on Earth, and we sat with them for a full, humbling hour. This is exactly the kind of bucket-list, once-in-a-lifetime experience we now help our clients protect — travel insurance options that can make a physically demanding trip into true wilderness feel a little less daunting.
Leopards, chimps, and a guide who knew exactly where to look
Between the gorilla trek we also went chimpanzee tracking and spent days on game drives spotting leopards draped over tree branches, weaver birds building their nests, and penguins on a beach that doesn't look like it belongs on the same continent as a savanna. None of it would have come together without an experienced local guide who knew the terrain, the animal behavior, and exactly when to stop the vehicle and go quiet. The difference between a good trip and an extraordinary one is almost always the person leading it.
Straddling the equator, and a stop that stayed with us
Somewhere between wildlife stops we pulled over at the Uganda Equator line — one foot in each hemisphere, the kind of silly tourist photo everyone has to take. It's a small moment, but it captures what this whole trip was: constant motion between countries, ecosystems, and experiences, all of it made possible by a well-planned itinerary and a guide who knew the route.
Chimpanzee tracking through the forest canopy
Before the gorillas, we spent a morning chimpanzee tracking — following the sound of hooting and rustling branches deep into the forest until we found a troop moving through the canopy overhead. They're faster and more unpredictable than gorillas, which makes the tracking itself half the adventure. It's exactly the kind of multi-day, real-immersion trip where having the right travel insurance in place actually matters.
Learning from the people who know the land best
Some of our favorite moments weren't with wildlife at all — they were with our guides, who took the time to show us how traditional baskets are woven from papyrus reeds harvested right along the wetlands we were walking through. The right protection doesn't just keep a trip safe and on schedule, it gives you the freedom to actually be present for moments like this one.
Running with the bulls — and reading the fine print first
We flew into Barcelona and spent a few days walking the Gothic Quarter, standing under the Sagrada Família, and wandering Park Güell — then rented a van and drove up through the mountains to Pamplona for the San Fermín Festival, where David ran the second encierro of 2025 (watch the run). From there we traveled south to Córdoba for five unforgettable nights, and on to Toledo and the famous Don Quixote windmills. Here's the part most travelers never think about: running with the bulls is exactly the kind of high-risk activity many standard travel insurance policies exclude. We knew what our coverage did and didn't include before we set foot on Estafeta Street — if your trip includes anything with real adrenaline in it, that's a conversation to have before you go, not after.
A night in a castle, a rental car, and a week in the Highlands
We flew into Edinburgh and bookended the trip with nights in that great city, then rented a car and spent a week working our way up into the Highlands — the ancient ruins of Buchanan Castle, Loch Ness and Castle Urquhart, hiking in Cairngorms National Park, and a stop at Uilebheist Distillery in Inverness. The night we'll never forget was the Oak Suite at Tulloch Castle: wood-paneled walls, a copper tub by the window, and our kids playing on a floor that's been there for centuries. Two coverage lessons from a trip like this: your U.S. auto policy generally does not follow you overseas, so rental vehicle coverage abroad has to be arranged deliberately — and when your accommodations include castles and one-of-a-kind stays, trip cancellation protection is what keeps a missed connection from turning into an expensive empty room.
Howler monkeys at sunrise, and a driver who made it all easy
For Costa Rica we hired a private chauffeur for the whole journey — airport to Manuel Antonio and back, with a stop at the famous crocodile bridge over the Tárcoles River along the way. We spent a full week waking to howler monkeys every morning, watching squirrel monkeys visit the hotel every single day, and splitting our time between the beach and Manuel Antonio National Park. Traveling internationally with two young kids sharpens your thinking about coverage: emergency medical and evacuation protection matter most precisely in the places worth going — beautiful, remote, and a long way from a major hospital — and pre-paid private drivers, tours, and boutique hotels are exactly the kind of reimbursable trip costs that cancellation coverage is built to protect.
Class 5 rapids on the Nile, and a genuinely airborne raft
Not every part of this trip was quiet wildlife viewing. Near the source of the Nile, we spent a full day running Class 5 whitewater with Nile River Explorers — the highest commercially raftable grade, complete with a moment where the entire raft launched off a rapid and went briefly airborne with everyone still inside. It's adrenaline travel at its best, and a great reminder that the trips we help plan aren't always slow and reflective. Sometimes the best travel insurance question isn't "what if I get sick" — it's "what if my raft becomes a small boat-shaped projectile," and yes, we can help make sure that's an option worth considering too.
A nation that chose to remember, and to rebuild
One of the most important stops on this trip was the Kigali Genocide Memorial. It's a solemn and humbling place — a museum that honors the memory of those who lost their lives in the 1994 genocide against the Tutsi, and one that also broadens its scope to other genocides around the world, treating remembrance as something universal rather than singular. It is one of the most informative, moving, and frankly transformative experiences we've had while traveling, and it left a lasting impression that has stayed with us long after the trip ended.
What struck us just as much as the memorial itself was Rwanda today. This is a country that has, in just over two decades, rebuilt itself into one of the safest, cleanest, and most welcoming nations we've traveled to anywhere in the world. Rwanda hasn't hidden from its history — it has built a museum to honor it — but it also hasn't let that history define its present.
Where we stayed: Hôtel des Mille Collines
Many people know this hotel by its nickname — "Hotel Rwanda" — for the role it played sheltering refugees during the genocide. Today, you would never guess that history just from staying there. It's considered one of the finest hotels in the East African region: an excellent on-site chef and restaurant, a beautiful pool, and a handful of genuinely wonderful restaurants within easy walking distance. Staying there after visiting the memorial felt like the right way to experience Kigali fully — the history, honored and remembered, alongside the present, warm and thriving.
Planning a trip like one of these?
Whatever the destination — built around your dates, your budget, and the people you're traveling with — we can help you make sure it's properly covered from the moment you leave home.
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