Couples floating on a euphoric cloud after pulling off their dream wedding may not give much thought to the potential risks of choosing to honeymoon in an exotic locale, other than the need for coverage from flight delays or cancelations – which might be covered by the credit card you used to purchase your tickets. But, is that enough? Are there other scenarios lurking that might impact your dream honeymoon?
Exotic locales come with risk
Snorkeling on gorgeous reefs or zip lining over a jungle may be intoxicating, but reefs have coral that can cause serious injury, jungles are crawling with poisonous creatures and even the most trusted zip line operator cannot guarantee 100 percent safety when you’re flying over that gorgeous green canopy at 35 miles per hour or more [Source: HeadrushTech.com].
From hiking to volcanoes and breathtaking waterfalls to zip lining over lush jungle canopies, active, healthy honeymooners flock to Costa Rica for its adventure, adrenaline and aesthetic. Its proximity to the US, affordable flights and accommodations are attractive to many couples who may have ‘broke the bank’ after staging their dream wedding.
Costa Rica Ziplines: sailing over a jungle at 35 miles per hour
All the beauty of Costa Rica may come at a cost for the unlucky few. A recent Trip Advisor post detailed an incident involving a Tarzan swing at a zip line attraction in Manuel Antonio earlier this year that left one adventurer with bruises and cuts after being drug over the jungle following a cable mishap.
The operation was located somewhat across from a hospital – miraculously, he did not break any bones nor suffer a head injury, but what if the incident were miles from medical care, deep in a jungle? What if he did suffer head trauma, cuts or had multiple broken bones?
Getting George out of the jungle
Let’s call this lucky, unnamed man from the Trip Advisor post ‘George.’ When purchasing airfare, George and his fiancé paid an additional one hundred dollars per ticket for flight insurance, which covered trip cancellations, delays and lost luggage.
In a fictitious scenario, let’s say George was seriously injured and needed to be airlifted out of a remote location. Transport by ambulance would take too long, and over rugged terrain, would not be best for transporting someone with his injuries.
Healthy, fit adventure-seeking honeymooners like George and his bride – who never once dreamed of needing to be airlifted out of the jungle – risk ruining their honeymoon and finances if they don’t consider taking out a comprehensive travel insurance policy when booking their dream honeymoon. Not only can the travel insurance policy provide coverage for emergency evacuation, it can also help to cover any medical bills George may incur while abroad.
Spending about 10 percent of your trip cost allows you to travel with comprehensive coverage.
Your travel insurance policy should include:
– Medical airlift
– Repatriation coverage
In the event of a catastrophic injury, immediate transport back to the US for treatment and recovery is critical. If you plan on parasailing or engaging in more dangerous sports, you may need a hazardous sports rider added to your policy.
Why adventure-seeking honeymooners need comprehensive travel insurance
Medical evacuation services begin in the tens of thousands of dollars, and climb higher with nurse accompaniment, overseas transfer and what is known as ‘bed to bed’ service for serious illness or injury. For example, simple overseas medical air transport typically begins at $25,000 – evacuation from a remote location such as Costa Rica may involve ground transport to an airport where you will be airlifted home. These methods of transportation can be expensive.
Even if you sustain an injury that does not require ambulance transport, most domestic health insurance policies will not cover you outside of your home country. Travel insurance can help to pay the medical bills in the event of an accident or emergency overseas.
Volcanoes and earthquakes: Coverage goes beyond trip cancelation and medical
Unless you have a black American Express, which does cover medical repatriation, you still need to purchase additional travel insurance for other unexpected incidents.
A comprehensive travel insurance policy can also include coverage for lost or stolen passports, pick-pocketed wallets and catastrophic global incidents such as the Kilauea volcanic eruption or the recent Lombok earthquake near Bali.
A Caveat: Buy your travel insurance when booking your trip
Only travelers who purchased travel insurance to Hawaii or Indonesia before the recent volcanic eruption and earthquakes transpired were covered for reimbursement.
Once an incident begins, it’s too late to purchase coverage.
Take your dream honeymoon in that exotic locale. Seek all the thrilling adventures you have time for, but don’t risk injury or bankruptcy just before your blissful life together begins.
About the Author
Kristi Myllenbeck is a travel insurance expert and content specialist at VisitorsCoverage whose mission is to keep travelers updated with the latest and most relevant travel insurance information.