Berkshire Hathaway Travel Protection has introduced a new travel insurance product specifically designed for adventure travelers. Named AdrenalineCare, the plan expands traditional travel coverage to address the unique risks faced by people who pursue high-intensity outdoor activities, travel to remote locations, or carry costly specialized equipment.
The introduction reflects findings from the brand’s annual State of Travel Insurance report, which notes that adventure travelers typically take roughly one more trip per year than average road trippers and frequently participate in physically demanding or high-risk sports. These travelers often bring expensive gear—such as skis, mountain bikes, or diving equipment—and may venture into areas where medical help and logistics support are limited. AdrenalineCare aims to close gaps left by standard travel insurance by offering higher medical limits, enhanced baggage protections, and explicit coverage for many extreme activities.
Key benefits highlighted in the AdrenalineCare plan include:
- Medical evacuation coverage up to $750,000, intended to help cover the cost of emergency transport from remote or hard-to-reach locations to appropriate medical facilities.
- Emergency travel medical insurance up to $50,000, which provides higher limits than many standard travel policies and can help cover urgent treatment costs while abroad.
- Equipment delay coverage up to $500 for delays of six hours or more, offering reimbursement to keep an adventure on track when essential gear is late.
- Baggage protection up to $1,500 for lost, stolen, or damaged luggage, reflecting the higher value of specialized adventure equipment.
- A fixed benefit of $150 for baggage delays of 12 or more hours to compensate for the immediate inconvenience and expenses caused by not having belongings on arrival.
- A $200 reimbursement for hunting and fishing license fees if a trip is canceled, recognizing that some adventure travelers incur non-refundable permit or licensing costs as part of trip planning.
By targeting the particular needs of adrenaline-seeking travelers, AdrenalineCare emphasizes both safety and convenience. The higher medical evacuation and emergency medical limits are especially relevant for trips in regions where local healthcare facilities may lack resources or where transportation to a better-equipped center can be costly. Similarly, enhanced baggage and equipment provisions acknowledge that replacing high-value sporting gear quickly can be difficult and expensive, and that delays can derail planned activities.
Dean Sivley, president of Berkshire Hathaway Travel Protection, commented on the product launch, noting the company’s research into traveler behavior and preferences. He observed that adventure travel continues to grow in popularity and that those travelers are not only eager to explore the world but also aware of the heightened risks their itineraries can present. AdrenalineCare was developed to allow these travelers to pursue more ambitious trips while minimizing the financial and logistical stress that can come with medical emergencies, lost equipment, or other interruptions.
Beyond the headline limits, specific terms, exclusions, and eligibility criteria will determine how coverage applies in particular situations. Consumers considering AdrenalineCare should review policy details, including which activities are classified as covered “extreme” or high-risk pursuits, any required documentation for claims, and any geographic or preexisting condition limitations. This is particularly important for travelers planning expeditions, backcountry sports, or activities like heli-skiing, technical climbing, or deep-water diving, where both the level of risk and the potential costs of emergency response can be significant.
AdrenalineCare’s baggage and equipment provisions aim to address two common pain points for active travelers: delays and loss. Equipment delay coverage provides immediate relief by reimbursing necessary purchases when essential gear is temporarily unavailable, while the higher baggage limits help recover the cost of replacing items that are permanently lost or damaged. The fixed benefit for lengthy baggage delays also helps offset incidental expenses such as clothing and toiletries that travelers must buy while waiting for their luggage.
Ultimately, AdrenalineCare represents a targeted approach to travel protection that responds to evolving traveler habits. As adventure travel continues to expand, insurers are adapting products to meet demand for more comprehensive medical coverage, specific reimbursements for activity-related costs, and protections that reflect the value of specialized equipment. Travelers interested in the new plan should compare policy features, limits, and exclusions against their planned activities and personal risk tolerance to determine whether AdrenalineCare offers the appropriate balance of coverage and cost for their next adventure.