Home > Travel Insurance Reviews > Lindblad Expeditions Travel Insurance - 2021 Review

Lindblad Expeditions Travel Insurance - 2021 Review

Lindblad Travel Insurance Review

Lindblad Travel Insurance Review
7
Insurance Partner
7/10
Coverage Options
4/10
Price
4/10

Strengths

  • Reputable insurer
  • Cancel For Any Reason

Weaknesses

  • No Pre-existing Condition Waiver
  • Expensive
  • Low Medical Insurance and Evacuation Limits
  • Cancel For Any Reason only gives you vouchers

In this review, we cover the features and drawbacks of the Lindblad travel insurance plan. Lindblad Expeditions is a travel partner of National Geographic Expeditions.

Lindblad-Travel-Insurance-Review-Ice-Door

Overall, Lindblad trip insurance is overpriced and underperforms. It is deficient in critical coverage areas like Medical Insurance and Medical Evacuation. However, they ask for a sky-high premium for scant protection.

Travelers planning cruises and expedition tours with Lindblad can find better travel insurance for less on the Travel Insurance Marketplace.

This article starts with a brief overview of Lindblad travel insurance. Then, we illustrate a sample trip and dive into how Lindblad insurance would perform. Finally, we offer alternative insurance plans.

Lindblad Expeditions Travel Insurance

TripMate administers Lindblad travel insurance, and United States Fire Insurance Company underwrites the plan.

Lindblad bases premiums on a percentage of trip costs: a 9.5% surcharge. Lindblad adds the premium to your invoice, so you do not need to contact TripMate to enroll.

The problem with Lindblad trip insurance is that the plan has a high price but low value. It provides harmfully low Medical Insurance ($25,000) and unacceptably sparse Emergency Medical Evacuation ($50,000).

Lindblad's built-in Cancel For Any Reason coverage is part of why the insurance premium is so high. Unfortunately, their CFAR benefit does not pay a cash refund. Instead, your refund comes in the form of vouchers, only good with Lindblad. By contrast, standard CFAR plans pay a cash benefit, not credit.

Lindblad's CFAR seems potentially misleading if marketed as a 100% Cancel For Any Reason benefit.

Lindblad Penguin

Sample Lindblad Trip: Best of Chilean Patagonia

Our 16-day sample trip runs from Torres Del Paine to Cape Horn in Chile. For two adult travelers, ages 55 and 60, the all-inclusive trip costs $35,850 in total.

Lindblad Expeditions charges $3,150 for trip insurance covering both seniors.

Therefore, the total cost of the Lindblad trip and travel insurance is $39,000. For comparison trip insurance quotes, we use the $35,850 amount.

Lindblad Map

Lindblad Travel Insurance Comparison

Next, we compare Lindblad's travel insurance benefits to two plans found on the broader Travel Insurance Marketplace.

First, we look for the least expensive policy that offers at least $100,000 Medical Insurance, $500,000 Medical Evacuation, and a Waiver of Pre-existing Conditions.

AARDY recommends these coverage levels because you want enough financial protection for a worst-case scenario in an emergency overseas.

The least expensive plan for this trip is Seven Corners RoundTrip Choice.

Then, we seek the least expensive policy with Cancel For Any Reason benefits. In this case, it is the Seven Corners RoundTrip Choice with 75% CFAR.

Let's look at all three plans side-by-side:

Page Title

Benefit Per Person

Lindblad
Travel Insurance

Seven Corners RoundTrip Choice

Seven Corners RoundTrip Choice CFAR 75%

Trip Cancellation

100% Trip Cost

100% Trip Cost

100% Trip Cost

Trip Interruption

150% Trip Cost

150% Trip Cost

150% Trip Cost

Medical Insurance

$25,000

$100,000

$100,000

Medical Evacuation

$50,000

$500,000

$500,000

Baggage Loss/Damage

$1,500

$1,500

$1,500

Baggage Delay

$250

$300 (After 12hr delay)

$300 (After 12hr delay)

Travel Delay

$750

$600 (Up to $300/day)

$600 (Up to $300/day)

Missed Connection

$750

$1,000

$1,000

Pre-existing Condition Waiver

No

Yes, if purchased within 20 days of initial trip deposit

Yes, if purchased within 20 days of initial trip deposit

Cancel For Work Reason

No

No

No

Cancel For Any Reason

Voucher only

No

Yes, 75% Cash Refund

Accidental Death & Dismemberment

$25,000

$10,000

$10,000

Cost of Policy

$3,150

$2,132

$2,984.80

Lindblad Travel Insurance – Price and Value

Clearly, the Lindblad travel insurance is exceptionally high. For $1,000 less than Lindblad, Seven Corners RoundTrip Choice provides superior Medical Insurance and Emergency Evacuation. It also includes protection for Pre-existing Conditions.

For less than the cost of Lindblad trip insurance, you can even have a robust Cancel For Any Reason insurance plan that pays cash refunds.

Most troubling is that Lindblad insurance does not offer a Waiver for Pre-existing Medical Conditions. Consequently, your Pre-existing Medical Condition would be excluded from Trip Cancellation, Trip Interruption, and Medical Insurance.

Lindblad Expeditions Medical Insurance Is Low

No matter how remotely you travel, you cannot evade all trouble. If something goes wrong during your cruise or excursions, you need adequate Medical Insurance.

Imagine that you are enjoying a stroll through the picturesque landscape when you stumble, twist your knee, and land hard on your shoulder.

Your knee and upper arm radiate pulses of intense pain. Who will treat your injury? How will you reach medical treatment?

Medicare does not extend coverage outside of the United States. Some Medicare supplements have minimal protection, but they cap a $50,000 lifetime limit with a 20% copay. Plus, you have to pay and request reimbursement.

With these limits and copays, you face a massive bill for a medical emergency. You end up forced to spend money you saved for future trips, retirement, and your family. Adequate Medical Insurance protects your life's savings.

Sadly, Trip Insurance with Lindblad falls short and only offers $25,000 Medical Insurance coverage. This is not enough during a medical emergency.

AARDY always recommends taking at least $100,000 in Medical Insurance, particularly for seniors, when traveling outside of the United States. Seven Corners RoundTrip Choice and many other plans offer $100,000 or more travel Medical Insurance.

Lindblad-Travel-Insurance-Review-Ice-Port

Lindblad Emergency Medical Evacuation Will Not Help Much

Lindblad travel insurance includes a mere $50,000 Medical Evacuation coverage. This amount falls dangerously short of our $500,000 recommendation for Medical Evacuation Insurance when traveling to remote areas or expedition travel.

Without Emergency Medical Evacuation insurance, you would face devastating charges of $15,000 to $25,000 per flight hour. A medical flight home from Cape Horn could easily cost $300,000. Neither Medicare nor the State Department will pay for your transportation in a medical emergency.

For travel to remote locations, AARDY recommends a minimum of $500,000 Medical Evacuation, especially for seniors.

First, you must receive evacuation from a remote location to a hospital. Then, you may require transfer to a more suitable hospital. Finally, a private medical jet outfitted as an ICU is very costly but can bring you home safely.

If your travel insurance plan lacks adequate Medical Insurance or Medical Evacuation protection, your finances, desire to spoil your grandchildren, or your dream to travel throughout the world could be washed away by a single unfortunate event.

Lindblad Does Not Waive Pre-Existing Medical Conditions Exclusions

Pre-existing Medical Conditions can be as simple as a recent ear infection to something as serious as a cancer diagnosis.

Regarding travel insurance, Pre-existing Medical Conditions are:

  • An older condition that has worsened or has new symptoms
  • New health concern that developed recently
  • Tests or treatment recommended by a physician
  • Medication changes or needing acute treatment

Lindblad trip insurance excludes any Pre-existing Conditions in the past 60 days before you bought the travel insurance policy. Therefore, if you cancel your trip for a medical reason, the policy does not cover it unless the insurer determines it is not a Pre-existing Condition.

Furthermore, suppose your Pre-existing Medical Condition requires you to seek treatment during your trip. In that case, the policy pays for no medical care nor reimburses you for Trip Interruption.

Robust travel insurance plans include a Waiver covering Pre-existing Medical Conditions, even if they just came up a week ago. AARDY always recommends buying travel insurance with a Pre-existing Condition Waiver, regardless of your health history or age.

Most plans at AARDY include a Waiver when you buy the program within 14-21 days of paying the initial deposit or payment. For Seven Corners RoundTrip Choice and RoundTrip Choice with CFAR, you must enroll within 20 days.

Lindblad-Travel-Insurance-Review-Ship

Lindblad's Cancel For Any Reason Only Pays Vouchers

Cancel For Any Reason provides the highest level of travel insurance you can get. You can cancel your trip for any reason and receive reimbursement.

Suppose one week before your cruise, your spouse's anxiety flares up in full force. They no longer feel comfortable or have the desire to travel so far from home. Their previous excitement for the long-planned trip has drained from their heart and been replaced by dread and anxiety.

Unfortunately, standard travel insurance policies do not cover cancellations due to mental health unless the insured is hospitalized.

However, with a Cancel For Any Reason policy, you can cancel for mental health concerns and receive a 75% cash reimbursement. This is true for Seven Corners RoundTrip Choice with 75% CFAR and most of AARDY's CFAR plans.

Although Lindblad travel insurance has a Cancel For Any Reason provision, it is limited. It only provides vouchers that must be used within 1 year of issue. The certificate is non-transferable, non-refundable, and cannot be redeemed for cash.

While we applaud Lindblad for offering the option to receive some compensation, it is not ideal. It is expensive, and the limiting terms detract from its convenience.

Lindblad-Travel-Insurance-Review-Whale-Tail

Lindblad Has Limited Trip Cancellation Benefits

Although Lindblad travel insurance offers Cancel For Any Reason, there are a few situations when they pay a cash refund for Trip Cancellation.

These are the covered cancellation reasons for Lindblad trip insurance:

  • Unforeseen illness, accidental injury, or death
  • Quarantine, hijacking, jury duty, subpoena
  • Your home or destination inaccessible or uninhabitable by a natural disaster
  • Place of employment damaged by a natural disaster
  • A documented theft of passport or visa
  • Employer-initiated transfer
  • Involved in a traffic accident en route to departure
  • Strike, inclement weather, mechanical breakdown of common carrier
  • Airport or air traffic control shutdown
  • Called to military service to aid a natural disaster
  • Military leave revoked
  • Involuntary layoff

Although the plan offers reimbursement if you, your traveling companion, or a family member have an unexpected illness or injury, the policy excludes Pre-existing Conditions. Consequently, you might not have a covered cancellation and only receive vouchers from Lindblad.

By contrast, most plans at AARDY cover Pre-existing Conditions if you buy it within 14-21 days of paying the initial deposit.

Notably, this list does not include common cancellation reasons like terrorism and a common carrier's bankruptcy. Every policy at AARDY provides cancellation for terrorism at your destination and if the common carrier (in this case, Lindblad) goes bankrupt.

With adequate Trip Cancellation insurance, you don't have to add losing money spent on your vacation to your list of concerns.

Lindblad Provides Trip Interruption Reimbursement

Trip Interruption insurance is similar to Trip Cancellation. It offers the same covered reasons as Cancellation but occurs during your trip.

If you end your trip early for a covered reason and return home, Trip Interruption coverage reimburses you for the unused prepaid travel arrangements. It can also cover transportation costs to get you back home promptly.

Suppose you are three days into your cruise to Chile. While enjoying an evening stroll on the ship, you slip on the deck and hit your head.

The injury appears minor at first, but your symptoms show you have a concussion.

Lacking the ability to walk in a straight line, you need to cut your trip short to stay in the hospital and recover at home. That is where Trip Interruption insurance comes into play.

Lindblad travel insurance includes a 150% benefit. You would receive up to a 100% refund for your unused travel arrangements and up to an additional 50% for transport home. Seven Corners RoundTrip Choice with and without Cancel For Any Reason, like most plans at AARDY, also offers a 150% Trip Cancellation reimbursement.

Travelers gain peace of mind knowing they can receive a refund if they have a family emergency and must return home early. Sure, it is not fun to cut a trip short, but at least you have the funds to plan your next adventure!

Lindblad Travel Insurance Is Expensive But Limited

Lindblad Expeditions Travel Insurance does not offer adequate financial protection, particularly for seniors traveling outside of the United States.

Its low limits for Travel Medical Insurance and Medical Evacuation coverage will not be enough in the event of a medical emergency during international travel, especially to remote regions.

Do not buy the first Trip Insurance policy that you come across or your trip provider offers. When you shop with AARDY Travel Insurance Marketplace, you will find over 30 policy options and more coverage for less money.

AARDY will always provide the lowest possible prices on travel insurance; we guarantee it. Travel insurance prices are regulated, so not even the insurance company can sell the same policy for less.

All policies at AARDY provide comprehensive Travel Insurance protection, including:

  • Trip Cancellation and Interruption
  • Medical Insurance, Medical Evacuation
  • Baggage
  • Travel Delay
  • Missed Connection
  • Travel Assistance

AARDY's friendly licensed agents are here to help you choose the right travel insurance plan with no pressure.

Please stop by and chat with us, send an email, or give us a call at 650-492-6298.

Safe travels!

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