Types of Coverage

SafeTreker has Four Types of Coverage offering varying levels of benefit and sports coverage depending on your budget and travel needs.

Please Note If you’re taking a Couple or Family policy, these coverage types are per person:

  • Base Plan: It covers an extensive range of sports and activities.
  • Extreme Sports Upgrade: Coverage for many high-risk non-team sports or recreation activities that are dangerous and if performed optimally, even by the highly skilled, risks loss of life of limb.
  • Mountaineering Upgrade: Coverage for the sport, hobby or profession of walking, hiking, climbing and Rock Climbing up mountains that requires the use of ropes, harnesses, crampons or ice axes, or involves ascending beyond an altitude of four thousand five hundred (4,500) meters.
  • Both Extreme Sports and Mountaineering Upgrades: For travelers who will be participating in both an Extreme Sport and a Mountaineering sport during their trip.

Note: this is only a summary of coverage. To view the full policy wording, click HERE.

If you want to know about the sports we cover, simply check the Sports & Activites List.

SafeTreker Schedule of Benefits

Coverages are shown in U.S. Dollar amounts and are per person and per Period of Coverage unless stated otherwise.

Standard Benefits
Trip Cancellation
100% of Insured Trip Cost up to $50,000 Maximum
Trip Interruption
125% of Insured Trip Cost up to $62,500 Maximum
Reasonable Expenses per Day $200
Trip Delay
12 Hours - $1,000 maximum
$200 Max Benefit per Day
Includes quarantine accommodations/lodging expenses.
Inconvenience Benefits
Up to $500 per trip - Will not pay out more than $500 per trip for all Inconvenience Benefits combined
Lost Golf Rounds
Up to $500 (Not available for purchase in OR)
Lost Diving Days
Up to $500 (Not available in MN, MO, MT or OR)
Lost Recreational Days
Up to $500 (Not available in MN, MO, MT or OR)
Lost Skier Days
Up to $500 (Not available for purchase in OR)
Accidental Death & Dismemberment
Up to $10,000 Principal Sum
Medical Coverage - Trip Only Excess
Up to $100,000
Bodily Contact Sports
Interscholastic Sports
Optional Mountaineering
Optional Extreme Sports
Dental Coverage
Up to $500
Emergency Medical Evacuation / Repatriation - Hospital of Choice
Up to $1,000,000
Hospital Companion $50,000
Repatriation of Mortal Remains
Up to $50,000
Search & Rescue
Up to $10,000
Baggage & Personal Effects
Up to $3,000
Per Article Limit $300
Combined Article Limit $500
Baggage Delay (12 hours)
Up to $750
Sports Equipment Rental
Up to $5,000
Non Insurance Assistance Services
Optional Benefits
Medical Coverage for Mountaineering
up to $50,000 Trip Only Excess Maximum
Not available in NH. Available in NY and WA up to the amount listed in the schedule.
Residents of IL are covered for any sport - that is not excluded-without purchase of this upgrade.
Medical Coverage for Extreme Sports
Up to $25,000 Trip Only Excess Maximum for Extreme Sports as listed
Not available in NH. Available in NY and WA up to the amount listed in the schedule.
Residents of IL are covered for any sport, that is not excluded-without purchase of this upgrade.

Exclusions - Please review your plan document for a full list of exclusions.

Description of Benefits

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Lost Golf Rounds, Lost Diving Days, Lost Recreation Days, Accidental Death & Dismemberment, Emergency Accident and Sickness Medical Expense.

Loss caused by or resulting from:

  1. Pre-Existing Conditions, as defined in the Definitions section;
  2. suicide, attempted suicide or any intentionally self-inflicted injury while sane or insane;
  3. war, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war. This exclusion does not apply if You are an innocent bystander to these events;
  4. participation in any military maneuver or training exercise, or any Loss starting while You are in the service of the armed forces of any country. Orders to active military service for training purposes of two months or less will not constitute service in the armed forces. Upon notice to the Company of entering the armed forces, the Company will return to You pro-rata any premium paid, less any benefits paid, for any period during which You are in such service;
  5. piloting or learning to pilot or acting as a member of the crew of any aircraft;
  6. mental or emotional disorders, unless Hospitalized;
  7. participation as an athlete in professional sports;
  8. being under the influence of drugs or intoxicants, unless prescribed and used in accordance with the instructions provided by a Physician;
  9. intentional commission of or the attempt to commit any dishonest or fraudulent act, or criminal activity (as defined in the jurisdiction where the loss occurred);
  10. dental treatment except as a result of an injury to Sound Natural Teeth except as explicitly offered under Emergency Accident and Sickness Medical Expense;
  11. any non-emergency treatment or surgery, routine physical examinations, hearing aids, eye glasses or contact lenses;
  12. pregnancy and childbirth (except for Complications of Pregnancy) except if Hospitalized;
  13. traveling for the purpose of securing medical treatment;
  14. services not shown as covered;
  15. directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive material, gas, matter or contamination;
  16. confinement or treatment in a government Hospital; however, the United States government may recover or collect benefits under certain conditions;
  17. services and/or supplies that do not meet the definition of Necessary Treatment;
  18. care or treatment for which compensation is payable under Worker’s Compensation Law, any Occupational Disease law; the 4800 Time Benefit plan or similar legislation;
  19. care or treatment that is payable under any Other Insurance policy;
  20. Accidental Injury or Sickness when traveling against the advice of a Physician;
  21. cosmetic surgery or reconstructive surgery;
  22. a Loss that results from an illness, disease, or other condition, event or circumstance that occurs at a time when Your coverage is not in effect