Working and playing in the backcountry poses inherent risks. In case you or one of your fellow adventurers is injured or stranded, do you have the resources to coordinate a safe and effective rescue? Even with careful planning, accidents can happen. From sprained ankles to broken bones, mild hypothermia to life-threatening situations, backcountry accidents are a risk that every hiker must be prepared for. Backcountry rescue insurance protects against the financial burden of search and rescue operations as well as medical bills associated with an unexpected accident in the backcountry. Backcountry rescue insurance
What is Backcountry Rescue Insurance?
Backcountry rescue insurance protects against the financial burden of search and rescue operations as well as medical bills associated with an unexpected accident in the backcountry. Backcountry rescuers are volunteers who are called upon by authorities when people are injured or stranded in the wilderness. Volunteers are often called in during extreme weather conditions, at night, and on weekends and holidays when fewer professional rescue services are available.
The expenses associated with such calls are often covered by taxpayers, and insurance companies can use this coverage as leverage to keep costs low. Backcountry rescue insurance is an optional coverage that protects the policyholder from paying for these expenses. Backcountry rescue insurance policies also cover expenses incurred by the policyholder when assisting others in need.
While no one can prevent injuries and accidents from happening, there are ways to reduce the risk of injury and help others when they need it most.
Why is Backcountry Rescue Insurance Important?
Backcountry rescues can be expensive. Some estimates put the average cost per operation at $5,000. It’s important to have a plan in place with backcountry rescue insurance in case an emergency arises. Having the resources to call for help and dealing with the aftermath of an accident can be overwhelming and financially burdensome.
If you or a member of your team is injured or stranded, the last thing you want to be thinking about is how you are going to pay for the rescue operation. This can be a daunting process, and even with insurance, it can be difficult to find the right provider and file the correct paperwork. It is important to know that there are companies that can help assist if it is needed.
How Much Does Backcountry Rescue Insurance Cost?
Rates vary depending on the provider and the type of coverage. Annual premiums usually range between $50 and $200. Policyholders can often save money by purchasing a multi-year plan or adding additional members to the policy. Backcountry rescue insurance is often sold as an add-on to an existing travel insurance policy.
While this means you will have to pay for two policies, it also means that you have double the coverage. Travel insurance policies often include medical insurance as well as cancellation or interruption coverage. These can be helpful in the event of an accident, but they may not offer enough protection for backcountry rescue. Backcountry rescue insurance is a specific type of coverage that provides a higher level of protection than medical insurance.
Things to Consider When Buying Backcountry Rescue Insurance
The first thing to consider when purchasing backcountry rescue insurance is what exactly is covered. Policies often cover search and rescue operations as well as evacuation, treatment, and transportation to a medical facility. Keep in mind that rescue operations are generally covered only when a person is injured or stranded due to a covered event.
Evacuation and transportation costs are only covered when the cause of the event is not within the policyholder’s control. There are a few other things to keep in mind when purchasing a backcountry rescue insurance policy. First, make sure the policy includes coverage for medical expenses.
This is often a separate premium. Second, determine how the policy covers the people you are hiking with. If you are hiking in a group, are all members required to purchase coverage? Finally, read the policy carefully to make sure that you understand what is and is not covered.
3 Recommended Providers For Backcountry Rescuers
Backcountry Rescue Funding – BRF is a non-profit organization that offers high-risk adventure insurance. BRF members receive discounted rates and are protected by a $1 million liability policy.
Adventure Risk Solutions – ARS offers a wide variety of adventure sports and travel insurance policies for backpackers, skiers, and adventurers worldwide.
Adventuridge specializes in high-risk sports and adventure travel insurance. Adventure is available to adventurers in the United States, Canada, Australia, and New Zealand. Adventure insurers require that applicants participate in high-risk outdoor activities, be under 40 years of age, have a clean medical history, and complete a detailed application.
Backcountry rescue insurance protects against the financial burden of search and rescue operations as well as medical bills associated with an unexpected accident in the backcountry. Having the resources to call for help and dealing with the aftermath of an accident can be overwhelming and financially burdensome.
The first step to protecting against these expenses is to purchase a policy. There are a few things to consider when purchasing a policy to make sure you get the coverage you need. With insurance in place, adventurers can focus on enjoying the outdoors and knowing that help is available when they need it most.