Frequently Asked Questions
Have Questions About Travel Insurance?
Learn about the key aspects of SAR24 coverage before starting your trip, trek, or expedition.
What is travel insurance, and why do I need it?
Travel insurance provides protection against unexpected situations while you explore the world.
Depending on the plan purchased, it may provide financial protection and assistance for covered events such as medical emergencies, trip cancellation or interruption, baggage loss, search, rescue, evacuation, and repatriation.
For those undertaking trekking, mountaineering, or expeditions in remote and high-altitude areas, having appropriate coverage is especially important, as an emergency may require specialized resources.
What does a SAR24 travel insurance policy cover?
Depending on the plan purchased, a SAR24 policy may include:
Specific limits and benefits depend on the plan purchased. Always review your policy terms, conditions, and exclusions.
What is not covered by travel insurance?
Although coverage is designed to provide broad protection, certain situations may be excluded.
Can I purchase coverage after my trip has already started?
Whether you can purchase coverage while already traveling depends on the plan, country of residence, destination, and applicable purchase conditions.
This allows you to verify in advance that your destination, activity, route, and maximum altitude are properly included.
How do I choose the right coverage for my trip?
The right coverage depends on the specific characteristics of your trip.
Understand Your Coverage Before Traveling
Learn about the differences between plans, medical conditions, deductibles, and coverage changes.
What is the difference between single-trip insurance and annual multi-trip coverage?
Single Trip
Designed for one specific trip, with defined start and end dates.
Ideal for occasional travel, treks, or individual expeditions.Annual Multi-Trip
Designed for people who take multiple trips throughout the year, subject to the established limits.
Useful for frequent travelers, mountaineers, guides, and adventurers.Does my policy cover pre-existing medical conditions?
Pre-existing medical conditions may be subject to disclosure, assessment, acceptance, or exclusion, depending on the policy terms and conditions.
During the purchase process, it is important to provide accurate medical information when requested.
What does “deductible” mean?
A deductible is the amount the insured person must pay before the applicable coverage pays the remaining eligible expenses.
If you incur a covered expense of USD 1,000 and have a USD 100 deductible, you would pay the first USD 100, and the coverage would apply to the remaining USD 900, subject to the policy terms and conditions.
Can I expand my coverage to include additional activities?
Yes, when permitted by the plan and the applicable purchase conditions.
If your plans change and you decide to add new activities, destinations, or a higher-altitude expedition, contact our team to review your coverage.
Need to File a Claim?
Learn about the steps and documents that may be required, depending on the type of incident.
Complete
Complete the applicable claim form.
Provide Details
Provide the date, location, and a precise description of the incident.
Attach
Include invoices, medical reports, and related documents.
Submit
Submit the documentation and include your policy number.
How can I file a claim?
Filing a claim with SAR24 | Search & Rescue 24/7 requires gathering the information and documentation related to the incident.
Search, Rescue, and Evacuation Claim
Clearly indicate your policy or coverage number, full name, and type of claim. Our team can guide you through the different stages of the process.
What documents do I need to submit with my claim?
How long does it take to process a claim?
The aim is to review claims as quickly as possible once all the required documentation has been received.
Processing times may vary depending on the complexity of the case, particularly when it involves search and rescue operations, air evacuations, or international emergencies.
Our team will keep the insured person informed about the status of the case throughout the process.
What happens if my claim is denied?
If a claim cannot be approved, the relevant reasons will be communicated.
Every Adventure Is Different
Learn about common situations involving activities, flights, documentation, and luggage.
Does my policy cover adventure activities?
Coverage includes various eligible adventure activities, trekking, hiking, and mountain activities.
Some higher-risk activities may require a specific coverage category.
Options are available for eligible high-altitude activities, subject to the terms and conditions of the coverage.
Before traveling, confirm that the exact activity you plan to undertake is included in your coverage.
Am I covered if my flight is delayed or canceled?
Coverage may include protection against delays, cancellations, or missed departures when the circumstances are covered by your policy.
What happens if I lose my passport while traveling?
What Should You Do in an Emergency?
Emergencies can occur, particularly during activities in mountainous, high-altitude, or remote areas.
What Should I Do?
If a hospital, clinic, or local emergency service is accessible, seek medical attention immediately.
Contact the 24/7 Emergency Assistance Center as soon as possible.
Send your GPS coordinates, location, altitude, route, or last known position.
Save medical reports, invoices, receipts, rescue reports, and related documentation.
What Should I Do If I Need Search and Rescue Assistance?
Contact SAR24 immediately and, whenever possible, provide all available information about the person and their location.
What Should I Do If I Need a Helicopter Evacuation?
Contact the 24/7 Emergency Assistance Center immediately. When appropriate, SAR24 may coordinate an authorized air evacuation, subject to coverage terms and the operational feasibility of the mission.
How Can I Contact SAR24?
For urgent situations, use the available 24/7 emergency channels. For administrative or non-urgent inquiries, use the official contact channels.
Your guide, tour operator, family member, or expedition companion can also contact SAR24 on your behalf.
Emergency Medical Transportation
Information about emergency evacuation and repatriation to your country of residence or a suitable medical facility.
Does my policy cover emergency repatriation to my home country?
Yes, when it is included in your selected plan and is medically necessary.
Coverage may include the coordination of emergency medical evacuation and repatriation to your country of residence or a suitable medical facility, depending on the circumstances of the case and the terms of the policy.
In an emergency, contact SAR24 as soon as possible to assess the situation and coordinate the necessary assistance.
Manage Your Coverage
Information about payments, activation, cancellation, and refunds.
How do I pay for my policy?
You can purchase your SAR24 coverage through the payment methods available during the purchase process.
Can I cancel my policy and request a refund?
Yes, you can request to cancel your policy. Eligibility for a refund and the amount refundable will depend on the terms of your selected plan, the date of your request, the start of coverage, and whether any claims have been made or services have been used.
Our team will review your request and inform you of the applicable terms and conditions.
When does my coverage become active?
Your coverage becomes active according to the start date specified in your policy and the terms of your selected plan.