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A policy feature that provides coverage for medical issues you had before buying the policy. It's important because it ensures travelers can receive treatment for sudden flare-ups of pre-existing conditions while traveling.

This covers the cost of transportation to a medical facility in case of an emergency. It's crucial for adventure travel where access to medical facilities may be limited.

Reimburses non-refundable expenses if you have to cancel your trip for a covered reason. It's important because it protects your financial investment in your trip.

Provides coverage for trip expenses if you have to cut your adventure short due to an emergency. It's important to recover some of the costs of ending your trip early.

A policy addition that covers activities typically excluded by standard policies, such as skydiving or scuba diving. It's important because many adventure travelers engage in high-risk activities.

Provides benefits for death or loss of limb as the result of an accidental injury. It is important as it provides financial support to the traveler or their beneficiaries.

The amount you must pay out-of-pocket before the insurance coverage kicks in. Important because it affects the overall cost of making a claim.

Annual policies cover multiple trips within a year while single-trip covers one specific journey. Important to choose based on travel frequency to save money.

Covers loss, damage, or theft of personal gear and luggage. Important because adventure travel often involves expensive equipment that can be lost or damaged.

Services provided by the insurer to assist in the event of an emergency, such as medical referrals or replacement of lost travel documents. It's important for obtaining immediate help.

Reimbursement for expenses due to a covered delay in your travel plans. It's important to help mitigate the costs of unexpected overnight stays and meals.

A clause in the policy that excludes coverage for activities deemed dangerous, such as mountain climbing or bungee jumping. It's important to know what activities are not covered.

Similar to a deductible, it's the amount deducted from your claim payout. Important as a lower excess can result in a higher premium but less out-of-pocket costs after a claim.

The person designated to receive benefits from an AD&D or life insurance policy. Important for ensuring support for your loved ones in case of a tragedy.

An optional upgrade that allows you to cancel your trip for any reason not listed in the standard cancellation policy. It's important for ultimate flexibility and peace of mind.

Primary coverage means the insurance pays first, secondary means it pays after other policies. Important because it affects how you file claims and receive payouts.

The timeframe insurers look at pre-existing conditions prior to policy purchase. Important since conditions during this period may not be covered.

Covers the cost of returning a deceased traveler's body back home. It is important because it relieves the family of a potentially huge expense and complex logistics.

The maximum amount the insurance will pay for a covered loss. Important to ensure adequate protection against potential costs associated with adventure travel.