All participants need to have sufficient personal medical insurance, but as part of the registration fee for your trip, Lifetree Adventures purchases a group travel insurance policy through ACE’s Europ Assistance USA that acts secondary to your personal insurance policy. It will cover up to $25,000 toward medical assistance as a result of accident or sickness while traveling with Lifetree Adventures, and will provide up to a $10,000 hospital admission deposit advance. For a complete list of benefits, please refer to the Travel Insurance document.
If you do not have an existing personal health insurance policy, we HIGHLY recommend that you purchase Travel Medical Insurance for your trip, since Ace's Travel Insurance does not cover medical treatment costs, only costs that ensure you get to a facility where care can be provided.
Please consider the following in your travel and insurance planning:
All of your Lifetree Adventures’ trip fees are non-refundable once you are within 60 days of the trip, unless Lifetree Adventures cancels the trip. It is highly recommended that you purchase your own trip cancellation insurance. Your personal trip cancellation insurance would cover your expenses if you needed to cancel your trip at any time due to your own emergency or a family member’s emergency or any other unforeseen circumstance. If you do not purchase your own trip cancellation insurance, please note that Lifetree Adventures will not reimburse any of your trip fees.
There are many options for trip cancellation insurance. You may want to start with the website www.insuremytrip.com to compare several different plans at once. Remember, you do have international medical insurance with Lifetree Adventures, so you do not need to purchase additional coverage there.