About the author

Tim Moss

Tim Moss has supported over 100 expeditions across all seven continents. He has climbed new mountains, crossed a desert on foot and recently cycled 13,000 miles around the world. He is a Fellow of the Royal Geographical Society London and a Guinness World Record Holder. He aims to encourage more people to live adventurously. Read more...


  1. 1

    Greg Annandale

    Handy post Tim – agreed insurance is getting harder (and certainly pricier) these days.

    Might be worth mentioning GEOS, who supply the SAR insurance for the SPOT Messenger devices & also do ‘standalone’ SAR insurance it seems: http://www.geosalliance.com/medivac-cost.html

  2. 2

    Scotty Johnson

    Hey Tim,

    Great article (as ever!)

    These folks do good dedicated sailing trip insurance which includes crewing and amateur racing.


  3. 3

    Liam Wilton

    For search and rescue in the GEOS have a $100,000 SAR package available. Only around $200 to so quite the bargin, it is capped at $50,000 per incident though.

    1. 3.1

      Nigel Brevitt

      GEOS Doesn’t cover Paragliding or other air sports….. just when you need it!

  4. 4

    Lizzy Maskey

    Really useful article! Thanks!
    I was looking for travel insurance to cover a months 4×4 driving round europe, any hill walking I might do in the next year and scuba diving in egypt. I looked at Dog Tag and BMC, but ended up with columbus, they only let you walk to 4000m which is a bit of a shame, but have a really good cover system that allows you to add on sports you want. The website is clunky, but the price was cheeper than dog tag, and the BMC do not understand you going underwater!

  5. 5

    Najeeb Ahmed Khan

    Thanks Tim, great help, I am writing to most of them based in the UK for representation in Pakistan. although it’s very difficult to convince people to cover Pakistan but let’s see how it goes.
    Thanks and Best Wishes Najeeb Ahmed Khan
    Himalayan Holidays (Pvt) Ltd

  6. 6

    Tim Moss

    Glad it’s helpful Najeeb. Good luck finding a provider.

    Do come back and let us know how you get on.

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  8. 7


    This is great. We have an unusual one which is we are skateboarding 500 miles in 14 days across 5 countries for the charity Skate-aid. We are new to ‘adventures’ and getting insurance is something we are currently looking at and have struggled to find anything of the sort. A very helpful link, thank you ever so much!!
    Gareth (www.thegreateuroskate.com)

    1. 7.1

      Tim Moss

      Thanks Gareth. That’s a lovely comment to receive and I’m glad it was of some help. Just shout if you get stuck otherwise, best of luck with the skate!

  9. 8


    Hi Tim
    I wonder if you could advise on finding insurance for a team of biologists who will be conducting research on an isolated island in the Southern Ocean. I.e. we are not travelling for leisure but will be working. Much of it could be classed as manual labour.
    Thanks Greg

    1. 8.1

      Tim Moss

      Interesting question Greg. Before I do any digging, have you deduced that the fact you will be working prohibits you from taking travel insurance? I would have thought you could still get standard travel insurance. If so, the first step would just be a quick check if any the providers above would cover travel to your island. If you don’t need the cheapest then you should try Adventures Insurance as they reckon they’ll cover most things.

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  11. 9

    Neil Davis

    Hi Tim

    This has been extremely useful to me Tim. I’m walking, unsupported, across America next year, to raise awareness/funds for Combat Stress (UK) and The Wounded Warrior Project (USA) and I’m just not sure that regular Travel Insurance will give me sufficient enough cover.

    Although, I’m not going to be completely “off the grid”, there will be days when I’ll be “medically” isolated (when I’m walking through the desert areas of New Mexico, Arizona and California). Heli and even road CASEVAC can be costly in the US.

    I’m camping out every night during my walk, which opens the door to a more bizarre range of risks (bear attack, flash flood, tornado, snake bite) as well as the more routine risks (medical emergency, lower limb injury, road traffic accident) and although some of these risks can be mitigated by me through planning, awareness and avoidance, I just need medical insurance that will cover all eventualities.

    I’ve had a look at the companies listed and have made a note of the ones that I think might be able to cover me. You’ve saved me hours of shopping around time.

    Sincere Thanks


    1. 9.1

      Tim Moss

      Neil, that sounds like a great undertaking. Thanks for taking the time to add your comment.

      We just cycled through the NM/AZ deserts and dreamed about hiking off into the desert. Looks fantastic.

      Let me know if there’s anything else I can help with for your expedition. You might like: ’10 Tips for your first Walking Expedition’.

  12. 10

    Steven Smith

    Worth trying “mainstream” insurers. The AA do single trip cover with a bolt on that covers cycle touring. Premium for 2 people for travel in Europe excluding Spain (including Balearic & Canary Islands), Cyprus, Turkey and Malta was £106.87

    In response to my email to clarify the terms, I got this reply from the AA: “I am pleased to confirm that you would be covered for Cycle Touring throughout the duration of your trip (providing you wear a helmet) from 07/04/2015 to 14/08/2015 as you have purchased the relevant upgrade (Hazardous Activities Grade 2).”.

    1. 10.1

      Tim Moss

      Brilliant. Thanks for adding that Steven.

  13. 11


    Thanks tim, struggled to get a reasonably priced quote to cover me for this latest adventure.

    Sports Cover which you have listed, have all the critical options in the included section rather than not included or cannot insure or ring to see if we can help, at a reasonable price as well when compared against BMC and Snowcard and some of the others all of which required a plethora of info before quoating.
    One interesting one I came across which I notice you don’t have for emergency rescue is below.


    1. 11.1

      Tim Moss

      Thanks for sharing that Roy. Really useful. Battle Face look interesting too. Glad you got it sorted in the end.

  14. Pingback: How to Actually Plan an ExpeditionThe Next Challenge | The Next Challenge

  15. 12


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