Ripcord Travel Insurance – Is It Any Good?

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

When it comes to adventure travel, choosing the right travel insurance is crucial.

Ripcord Travel Insurance is a provider that caters to travelers seeking comprehensive coverage for their adventurous pursuits. In this article, we’ll delve into the offerings of Ripcord Travel Insurance and evaluate whether it’s a suitable choice for your travel insurance needs.

We’ll explore key aspects of their policies to give you a well-rounded understanding of their services.

Overview of Ripcord Travel Insurance

Brief history of the company: Ripcord is a division of Redpoint Resolutions LLC, specializing in providing travel insurance for adventure enthusiasts and remote travelers.

Reputation in the insurance market: Ripcord has a solid reputation for its focus on adventure travel and comprehensive coverage.

Types of policies offered: Ripcord offers single-trip and annual policies, designed to cover both leisure and adventure travel.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Key Coverage Features

Medical expenses and hospitalization: Ripcord policies provide coverage for emergency medical expenses and hospitalization costs up to a specified limit.

Emergency medical evacuation and repatriation: The plans include coverage for emergency medical evacuation, rescue services, and repatriation to your home country.

Trip cancellation, interruption, and delay: Ripcord policies offer compensation for trip cancellation, interruption, and delay due to covered reasons.

Baggage loss or delay: The company provides coverage for lost, stolen, or damaged baggage, as well as baggage delay.

Personal liability: Ripcord policies include personal liability coverage, protecting you against claims arising from accidental injury or property damage.

Optional add-ons: The insurer offers optional add-ons, such as coverage for high-risk activities and extreme sports.

Pre-existing Medical Conditions

Policy on covering pre-existing conditions: Ripcord provides coverage for certain pre-existing medical conditions, subject to eligibility criteria and proper declaration.

Eligibility criteria and declaration process: Travelers must complete a medical screening process to determine if their pre-existing conditions can be covered.

Limitations and exclusions: It’s essential to read the policy documents to understand any limitations or exclusions related to pre-existing medical conditions.

Policy Pricing and Customization

Range of premium options: Ripcord offers various premium levels, allowing travelers to choose the most suitable option based on their budget and coverage needs.

Flexibility in choosing coverage limits: Policyholders can customize their coverage limits for various aspects, such as medical expenses and baggage.

Policy upgrades and additional coverage options: Travelers can enhance their policies with optional add-ons like high-risk activity coverage or extreme sports extensions.

Claims Process and Customer Support

Steps to file a claim: To file a claim, policyholders must notify Ripcord’s claims department, providing necessary documentation and information.

Documentation requirements: Claims typically require supporting documents, such as medical reports, receipts, and travel itineraries.

Customer support availability and responsiveness: Ripcord offers customer support via phone and email, with many users reporting positive experiences with the company’s assistance.

User experiences with claims processing: While individual experiences may vary, many customers appreciate the company’s efficient claims processing and fair settlements.

Pros and Cons of Ripcord Travel Insurance

Advantages: Ripcord Travel Insurance stands out for its focus on adventure travel, comprehensive coverage, and rescue services, making it ideal for adventure seekers and remote travelers.

Disadvantages: Some travelers may find Ripcord’s policies more expensive than other providers, particularly if they do not require specialized adventure travel coverage.

Comparing Ripcord Travel Insurance to Other Providers

Comparison of coverage features, pricing, and customer satisfaction: While Ripcord offers a compelling package for adventure travelers, it’s essential to compare its offerings with other providers to ensure the best fit for your needs.

Recommendations for specific traveler profiles (e.g., adventure seekers, seniors, families): Adventure seekers and remote travelers will likely appreciate Ripcord’s specialized coverage, while seniors and families may want to consider other providers if their travel plans do not involve high-risk activities.


Ripcord Travel Insurance offers a range of policies designed to cater to the needs of adventure travelers and those venturing to remote destinations.

By examining its coverage features, pricing, claims process, and customer experiences, we’ve provided you with a comprehensive understanding of what this insurance provider has to offer.

While it may have its advantages and disadvantages, it’s crucial to weigh these factors against your specific travel requirements and preferences.

In doing so, you can make an informed decision about whether Ripcord Travel Insurance is the right choice for your next journey.

Remember that comparing different providers and plans is an essential step in finding the best travel insurance policy for your unique needs. Safe travels!