BHTP AdrenalineCare Adventure Travel Insurance
Extreme sports travel insurance covering adventure activities, emergency medical care, evacuation, and trip protection.What is AdrenalineCare Adventure Travel Insurance?
BHTP AdrenalineCare® is a comprehensive travel insurance plan from Berkshire Hathaway Travel Protection, specifically designed for travelers who participate in adventurous and high-risk activities. Unlike standard travel insurance which typically excludes extreme sports Adrenaline Care includes an Adventure Sports Exclusion Waiver, so your coverage doesn't stop where your adventure begins.
From trip cancellation and medical emergencies to sporting equipment delay and emergency evacuation, Adrenaline Care is built to handle the unexpected when you're living on the edge. It also covers pre-existing medical conditions and financial default by travel suppliers when purchased within 15 days of your initial trip deposit.
Key Highlights:- Adventure-focused coverage designed for travelers participating in outdoor and extreme sports activities.
- Trip cancellation coverage reimburses prepaid, non-refundable trip costs for covered reasons.
- Trip interruption coverage pays up to 150% of the trip cost if the trip is cut short.
- Emergency medical coverage helps pay for treatment if you become sick or injured during your adventure trip.
- Emergency medical evacuation coverage provides transportation to the nearest adequate medical facility.
- Sports equipment delay coverage helps reimburse rental costs if your gear is delayed.
- Baggage protection covers lost, stolen, or delayed luggage during travel.
- 24/7 travel assistance provides worldwide emergency support throughout your trip.
Berkshire Hathaway AdrenalineCare Insurance Reviews
Why Choose BHTP AdrenalineCare Travel Insurance?
BHTP AdrenalineCare is designed specifically for travelers who participate in adventure activities and extreme sports. Unlike many standard travel insurance plans that exclude high-risk activities, Adrenaline Care provides specialized protection for travelers exploring the outdoors, remote destinations, and adrenaline-filled experiences.
Here are some key reasons why adventure travelers choose Adrenaline Care:
- Adventure sports coverage: Designed for travelers participating in activities such as skiing, trekking, scuba diving, cycling tours, and other adventure sports that may not be covered by regular travel insurance plans.
- Comprehensive trip protection: Covers 100% of trip cancellation and up to 150% of trip interruption, helping reimburse prepaid, non-refundable trip expenses if your adventure trip is canceled or interrupted due to a covered reason.
- Emergency medical coverage: Provides up to $50,000 in emergency medical coverage for injuries or illnesses that occur during your trip.
- High emergency evacuation coverage: Includes up to $750,000 for emergency medical evacuation, which is essential for travelers visiting remote mountains, forests, or international adventure destinations.
- Sports equipment protection: Includes sporting equipment delay coverage, allowing travelers to rent equipment if their gear is delayed during travel.
- 24/7 global travel assistance: Access to worldwide travel assistance services that help travelers handle medical emergencies, travel disruptions, and unexpected situations during their adventure trips.
Adventure Activities Covered by BHTP Adrenaline Care
AdrenalineCare is purpose built for travelers who pursue high-risk activities that standard travel insurance refuses to cover.
Free-fall adventures covered, including parachuting, tandem jumps, and BASE jumping at destinations worldwide.
Covers free diving and scuba diving beyond 60 feet, and diving without a dive master often excluded elsewhere.
Technical climbing requiring picks, crampons, carabiners, and lead/top-rope anchoring is fully covered.
Off-piste skiing, snowboarding in backcountry, and high-altitude winter sports adventures are protected.
Aerial adventure sports including zip lines, hang gliding, paragliding, and bungee jumping are not excluded.
Motor racing, motorsports events, and training or practice for motor sports are included in the adventure waiver.
Underground adventures including free climbing and spelunking requiring specialized equipment are covered.
Sports expeditions including hunting and fishing trips are protected with dedicated Expeditions Rider coverage.
Adventure water sports, big wave surfing, whitewater rafting, and kayaking in remote destinations covered.
What Are the Benefits of Adrenaline Care Insurance?
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Trip Cancellation help 100% of Trip Cost up to $50,000 Trip Interruption help 150% of Trip Cost up to $75,000 Trip Delay (5 hours) help $600 Missed Connection (3 Hours) help $500 Medical Expense help $50,000 Emergency Evacuation & Repatriation of Remains help $750,000 Lost Baggage help $1,500 Baggage Delay help $200 Accidental Death & Dismemberment help $10,000 Sporting Equipment Delay (6 Hours) $500 Adventure Sports Coverage Included Pre-existing Medical Condition Exclusion Waiver Covered if purchased within 15 days of the Initial Trip Deposit Date. Dental $500 Car Rental Collision Coverage $35,000 Non Insurance Service: Worldwide Travel Assistance Included Financial Default Included Cancel for Work Reasons Included
Unlock Extra Protection When You Buy AdrenalineCare Early
Purchase Adrenaline Care within 15 days of your initial trip deposit to access powerful early purchase benefits.
1. Pre-existing Condition Waiver
Get coverage for pre-existing medical conditions completely waived when you purchase within 15 days of your initial trip deposit and you're medically able to travel at time of purchase.
2. Financial Default Protection
If your travel supplier (airline, cruise line, hotel) goes bankrupt or ceases operations after you've paid, you're reimbursed for forfeited trip costs up to 100% of insured trip cost.
3. Cancel for Work Reasons
If your employer requires you to work during your trip, or your company undergoes a merger, acquisition, or disaster recovery event, you can cancel and receive reimbursement.
Note: These valuable benefits are available only when you purchase Adrenaline Care travel insurance within 15 days of your initial trip deposit.
How Do I File a Claim With Adrenaline Care Insurance?
To file a claim with AdrenalineCare Insurance, follow these steps:
Download Form
Get claim form online
Call Support
855-487-1745
Submit Documents
Mail to Berkshire Hathaway Specialty Insurance Company, 1265 Main Street, Suite 301, Stevens Point, WI, 54481. NAIC# 22276.
Email Help
travel.claims@bhspecialty.com
What Is Not Covered Under BHTP AdrenalineCare Travel Insurance?
While AdrenalineCare travel insurance provides strong protection for adventure travelers, certain exclusions apply. The policy generally does not cover the following situations:
- War or acts of war: Including declared or undeclared war, civil disorder, riots, or insurrection.
- Intentional self-inflicted injuries: Any losses resulting from deliberate self-harm.
- Drug or alcohol influence: Losses occurring while under the influence of drugs or alcohol, unless the drugs were prescribed by a physician.
- Normal pregnancy and childbirth: Routine pregnancy or childbirth is not covered unless there are covered medical complications.
- Elective or experimental treatments: Medical procedures that are elective, cosmetic, or experimental.
- Routine medical or dental care Regular physical exams, dental check-ups, or preventive treatments.
- Mental or psychological disorders Losses related to mental health conditions unless specifically covered by the policy.
- Government restrictions: Travel disruptions caused by government regulations, prohibitions, or restrictions.
- Travel for medical treatment: Trips taken specifically to obtain medical care or treatment.
- Trips under 100 miles: Coverage does not apply to trips less than 100 miles from your primary residence.
- Incomplete travel documentation Travel documents must include specific departure and return dates.
- Voluntary trip changes: Trip cancellation or interruption due to voluntary plan changes, business obligations, or airline/tour operator cancellations unless otherwise covered in the policy.
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BHTP AdrenalineCare Insurance – Frequently Asked Questions
AdrenalineCare is a comprehensive travel insurance plan from Berkshire Hathaway Travel Protection (BHTP) specifically built for travelers who plan adventurous or high-risk activities during their trips. Unlike standard travel insurance that commonly excludes "adventure sports," AdrenalineCare includes a built-in Adventure Sports Exclusion Waiver, so activities like skydiving, BASE jumping, scuba diving beyond 60 feet, mountain climbing with technical equipment, motor racing, and more are all covered. It's ideal for thrill-seekers, outdoor adventurers, extreme sports enthusiasts, and anyone whose trip revolves around high-adrenaline activities.
AdrenalineCare includes an Adventure Sports Exclusion Waiver that covers activities typically excluded by standard travel insurance, including: skydiving, BASE jumping, bungee jumping, hang gliding, parachuting, zip-lining, free diving or scuba diving at depths greater than 60 feet, motor racing and motor sport (including training/practice), technical mountain climbing requiring specialized equipment (pick-axes, crampons, carabiners, etc.), caving and spelunking, free climbing, and operating or learning to operate aircraft as a student, pilot, or crew.
AdrenalineCare provides up to $50,000 in emergency medical expenses (with a $500 dental sub-limit) and up to $750,000 in emergency evacuation and repatriation of remains coverage (with a $25,000 escort sub-limit). These apply to injuries or sicknesses that occur during your trip, including injuries sustained while participating in covered adventure sports. Emergency medical extends to physician services, hospital charges, X-rays, local ambulance, and prosthetic devices. The $750,000 evacuation limit is particularly important for remote adventure destinations where medical transport can be extremely costly.
The early purchase window is the 15-day period following your initial trip payment (your first deposit to an airline, hotel, cruise line, or tour operator). If you purchase AdrenalineCare within this 15-day window, you unlock three additional benefits at no extra cost: (1) a Pre-existing Medical Condition Exclusion Waiver - meaning conditions you had before purchase are covered, provided you're medically able to travel at purchase and insure all trip costs; (2) Financial Default coverage - if your travel supplier goes bankrupt, you're reimbursed for forfeited prepaid trip costs; and (3) Cancel for Work Reasons- if your employer requires you to work during your trip or your company undergoes a major event, you can cancel and be reimbursed. Buy early to lock in these protections.
Yes, provided you purchase the policy within 15 days of your initial trip deposit. To qualify for the Pre-existing Medical Condition Exclusion Waiver, you must: (1) purchase within the 15-day early purchase window; (2) insure the full amount of all prepaid, nonrefundable trip costs at the time of purchase; and (3) be medically able to travel when the policy is purchased. If these conditions are met, pre-existing conditions are covered up to 100% of your insured trip cost (up to $50,000). Without the early purchase, pre-existing conditions are excluded.
Note: The pre-existing condition lookback period is 180 days prior to the policy effective date.
Yes. AdrenalineCare includes a Sporting & Golf Equipment Delay benefit that reimburses up to $500 if your sporting or golf equipment is delayed or misdirected by the common carrier for more than 6 consecutive hours. The benefit covers the rental or purchase of replacement equipment so your adventure isn't derailed. Additionally, the Baggage & Personal Effects benefit provides up to $1,500 for loss, theft, or damage to your baggage (including sporting equipment) during your trip $500 for the first item and $250 per additional item. The Expeditions Rider also covers trip cancellation if your necessary personal sporting equipment is delayed by the carrier for a hunting or fishing expedition.
Yes. You may cancel AdrenalineCare for any reason within 15 days of purchase, provided your trip has not yet started and no claim has been filed. BHTP will refund your full premium within 10 days of receiving your cancellation notice. After this period, the premium is non-refundable.
Yes. The Car Rental Collision Upgrade Endorsement is an optional add-on available for an additional premium. It covers up to $35,000 per policy for damage due to collision, vandalism, windstorm, fire, hail, or flood subject to a $100 deductible. Coverage applies to standard rental vehicles used during the trip and does not cover motorcycles, ATVs, vehicles over 10 years old, or vehicles valued over $75,000 MSRP.