Ali in Madagascan hospital

INSURANCE

Insurance is compulsory

Travel insurance that provides cover for emergency repatriation in case of a medical emergency is compulsory for all expeditions. Secret Compass cannot legally provide insurance advice nor confirm whether a given policy is adequate. What we can do is point you in the direction of some insurers from whom teammates have purchased insurance in the past. Further information about insurance requirements is outlined in each expedition’s Handbook. If in doubt about your purchased or potential policy, contact your supplier directly.

Travel insurance checklist

Ensure that your insurance covers you for the following.

  • Emergency medical repatriation (to home country): including any associated expenses abroad of at least $500,000.
  • Activities: ensure that any activities carried out on the expedition are included (trekking at altitude, rafting etc).
  • Geographical region: check the place you’re going is insured on your policy (often the USA and Canada or areas such as Afghanistan are not insured on general policies).
  • FCO/Foreign Ministry advice: check your insurance is not sensitive to any travel warnings issued by your foreign ministry. In the UK, many insurers will not provide insurance if the FCO advises against travel. FCO advice does not necessarily mean that Secret Compass will cancel an expedition or avoid a certain area.
  • Dates: make sure the period of cover begins at the departure and ends at the return to your home country. Many flights take a day or two and time zones vary. Insurance companies may prejudice claims due to this.
  • Pre-existing medical conditions: disclose to your insurance company.

Suggested insurance providers

  • World Nomads. Often provide suitable insurance policies for Secret Compass expeditions.
  • Campbell Irvine. Where relevant Foreign Ministries advise against travel, they have successfully arranged specialist travel insurance for team members in the past. Call 0207 368 1141 or email Matt and mention Secret Compass. As a broker, quotes may take a few days so attend to insurance matters as early as possible.
  • Battleface. They provide specialist Medical Emergency and Evacuation Insurance for all areas of the globe. This niche policy may not cover other more traditional elements you might expect in a travel insurance policy. Always read the small print and Ts and Cs before purchasing any policy.
  • Safe Passage International. If you are not a UK citizen and you are travelling to an area where the relevant foreign ministry advises against travel, try SPI Brokers and ask for Tina O’Brien, mentioning Secret Compass. They have insured many of our non-UK team members in the past.

Recognised routes

Some insurance companies have a clause regarding ‘recognised routes’, something it’s hard to define. If your insurance policy has this clause, speak to your insurers about the trip to ensure the policy you are considering does indeed cover your Secret Compass expedition. We would suggest that our routes are recognised for the following reasons, although your insurer or their underwriter will have the ultimate say. Perhaps forward the below on to them when discussing or attempting to ascertain if the policy you are considering indeed covers you.

  • The expedition is run by a UK-based company which has researched, planned and developed the route.
  • The appropriate local support, permissions and permits are in place so it is ‘recognised’ locally.
  • It is mapped and there is a fixed start and finish point. The itinerary and route is held by a UK-based operations room and there are regular communication check-ins.
  • The expedition is led by a professional Secret Compass expedition guide.
  • There are detailed contingency, medical and communication plans in place.

Safeguarding your payments to Secret Compass

Your booking with Secret Compass is insured by International Passenger Protection (IPP) Ltd and its panel of insurers. This insurance is only valid for passengers who book and pay Secret Compass directly.

The Journal

Terms and Conditions
  1. One entry per person.
  2. Closing date for entries is 12:00 AUG 3.
  3. Entrants must be at least 18 years old.
  4. The prize includes: two weekend tickets to attend The Adventure Travel Film Festival in North London The prize does not include: meals, paying workshops, camping equipment or travel expenses.
  5. Getting to the venue in London is the responsibility of the winner.
  6. The prize is only available from 11th – 13th August 2017.
  7. The prize cannot be exchanged for a cash alternative.
  8. The prize cannot be sold or used by anyone other than the winner.
  9. The prize winner can choose who they will give the second ticket to and all of the terms and conditions here apply to that person.
  10. The promoter reserves the right to provide an alternative prize of similar value should the specified prize become unavailable for any reason.
  11. Neither the Promoter nor any other person or party associated with this promotion shall be liable for any loss or damage whatsoever suffered (including, but not limited to, indirect or consequential loss or damage) or personal injury or death suffered or sustained in connection with either participation in this promotion or with any prizes offered.
  12. The promoter reserves the right to cancel or amend the terms of this prize and without notice in the unlikely event of a major catastrophe, war, earthquake or any anticipated or alleged breach of any applicable law or regulation or any similar event or if circumstances arise outside of its control.
  13. The winner will be selected randomly by Secret Compass on 04 AUG 2017.
  14. Attempts will be made to notify the winner using the email address provided at the time of entry. If the promoter, having used reasonable efforts, is unable to contact the winner, then the prize is forfeited and further draw(s) may be conducted.
  15. The winner may be required to take part in reasonable publicity as specified by the Promoter.
  16. The Promoter cannot be held liable for IT system failures or delays or loss of entries.
  17. The organiser reserves the right to cancel this competition, or to change any condition of this competition, without notice.
  18. Acceptance of these terms and conditions is a condition of entry.
  19. No purchase necessary.