Protect Your Adventure.
My XO Adventures recommends you never leave on a vacation without Travel Insurance and Travel Protection. Below is a Highly Recommended company called Travel Guard, which currently offers Cancel for Any Reason Coverage. If you're asking yourself whether or not you need insurance, the answer is yes.
Why might you need insurance? Well for starters, the experiences we offer take quite a bit of time and marketing, which is why the deposits are non-refundable. Many insurance carriers will cover this non-refundable deposit for covered issues. As with any travel company, each tour operates with a schedule of penalty that increases as time goes on and reaches 100% if cancelled within 120 days of departure.
This is due to the time a guest has occupied a place in on of our small group excursions. Since we typically have a maximum of 10 people on our adventures, each space is highly valued, and can be difficult to fill in case of a cancellation. This is how we protect ourselves.
Insurance Is there for you. We've seen our share of "life events" that come up, and if it weren't for our recommendation to purchase travel insurance, those experiences may be a little more difficult. Travel insurance also covers you if you become sick or injured on one of our tours. It happens on occasion, and you'll be relieved if and unfortunate circumstance arises. I never travel without insurance, and I don't think you should either.
Below Is a company I do business with, and benefit from you purchase. Unfortunately, I've had to use this exact insurance company for a claim with a guest in Costa Rica. She broke her ankle just walking along the side of the road. In this case, she had AIG Travel Guard AND GEOBLUE Health Insurance. The GEOBLUE provided a guarantee of payment to the best hospital in San Jose. This ensured she received timely care. I combine both GEO BLUE and AIG TRAVEL GUARD on all my person trips, and you should too! Should you not chose AIG/Travel Guard please go with another reputable company to give you peace of mind.