When a carefully planned trip starts tumbling out of control, your best bet is to pull the Ripcord. Available now, Ripcord Rescue Travel Insurance covers everything from lost passports to life-threatening emergencies.

Last winter during a motorcycle tour of southern Patagonia, one of my travel companions suffered a serious crash. After tending to his broken bones and deploying the SOS signal on our Garmin inReach, a rescue helicopter arrived on the scene. Only hours after impact, he was in a hospital bed and on the road to recovery. He was lucky.

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