Detour

Detour entered the market in 2021 specifically to cover adventure travelers and nomads, and they've packed their plans with what those groups actually need. They cover 400+ sports and activities, include primary medical benefits rather than supplemental coverage, and specifically list search and rescue as a protected cost. The average cost runs about 2 to 3 percent of your total trip budget, making it affordable for longer journeys.

Detour's the pick for travelers who spend time outdoors doing things other insurers usually exclude or limit. If you're rock climbing, paragliding, mountaineering, or doing anything in remote terrain, you'll appreciate coverage that doesn't treat you like you're reckless. The inclusion of search and rescue is especially valuable if you're hiking or backcountry camping in areas where extraction costs tens of thousands.