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TravelingMan81's avatar
TravelingMan81
Explorer
Dec 13, 2025

RV Travel Insurance?

I am inquiring about travel insurance for an RV Trip that we are planning for next summer. Most campgrounds these days require full payment in advance to make a reservation with no refunds possible.  I need insurance that will cover campground fees in case we should have an emergency and have to cancel one site or all of our trip. This will be a self planned series of places to visit in Colorado and New Mexico..  There should be about 8 different campgrounds over a 6 week period.  I expect the total cost of reservations to be around $3,000.  Does anyone know of any travel insurance for this?

6 Replies

  • Grit_dog's avatar
    Grit_dog
    Navigator III
    Dec 15, 2025

    Looking at the OPs info and estimated cost it appears to be the case that they are mostly going to be at private resorts. 

  • Grit_dog's avatar
    Grit_dog
    Navigator III
    Dec 14, 2025

    I literally got a quote from a known insurance/investment broker in less than a minute from Allianz. 
    BTW it was $300ish for the basic which has a bunch of benefits and coincidentally $3k in trip protection. 
    so not sure what the question really is other than wanting someone to do the legwork for you. 

  • Grit_dog's avatar
    Grit_dog
    Navigator III
    Dec 14, 2025

    While there may be some risk, it seems the OP just added a subjective comment about being non refundable. Who knows what RV resorts they’re looking at (based on the cost he says, it’s all rv parks they’re staying at). 
    but like most newb posts here, they’re generally looking for info they could find online almost as easily. 

  • way2roll's avatar
    way2roll
    Trailblazer
    Dec 14, 2025

    A quick Google found quite a few hits for RV travel insurance. That said, in all my years of RV ing, I don't recall a single campground that didn't have a cancellation policy. And not all require full payment up front.

    • StirCrazy's avatar
      StirCrazy
      Moderator
      Dec 15, 2025

       I don't recall a single campground that didn't have a cancellation policy. And not all require full payment up front.

      I have been to a few that there are no refunds once booked and you had to pay up front, they are mostly private resorts.  as for paying up front that seems to be standard for reserved sites up here, the provincial and national sites that are reservation all take your payment at the time fo the booking, but they usaly have a cancelation policy, you never get all your money back as they only refund the camping fee, not the reservation, park or any other fees, and if less than 7 days or you also forfit one night camping fee.  no shows are not refundable in any way.  or national parks are worse as 8 or nmore days you get everything except the reservation fee, 3 to 7 days you forfit the first night and less than three you dont get anything.  mind you I think this is to encourage you to cancel the site early so they can make it available for some one else again.  

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