Zion NP

Insurance information for families traveling full-time

This is a list of helpful insurance resources for families interested in fulltiming or RVing for extended periods.

RV Insurance

When getting auto insurance check carefully to be sure it covers RVs and towed vehicles.

RIS Insurance

RIS Recreation Insurance Specialists

Know you're covered, wherever you choose to roam...

RIS (Recreation Insurance Specialists) has managed the Blue Sky RV Insurance program that was tailored for RV Specialty coverage for 10 years. We can design a policy for you based on the way you use your vehicle. Whether you are a weekender or a full timer, we understand your needs. As an independent agent, we have access to highly rated RV specialty carriers in all states except AL, AK, DE, HI, MD, MA, NY, RI and VT. RIS (Recreation Insurance Specialists) can insure vehicles valued up to $1m.


  • Lease to own vehicles, policy written in the state where registered
  • Full time coverage for those living in their motorhome
  • Golf Cart/Scooter/Moped coverage
  • Total Loss Replacement options (available for original owners of vehicles less than 5 model years old)
  • Valuable Personal Property
  • Agreed Value is an option in most cases Change total loss replacement to Total loss replacement is available to original owners if they have purchased unit within the last year
  • Secured Storage Coverage

Good Sam

Good Sam

Good Sam RV Emergency Road Service is the most comprehensive RV road service available. They provide towing and road service for RVs and all household cars, minivans, SUVs, pickups and boat trailers.

Roadside assistance benefits include:

  • Protection on your RV and all your household vehicles: all cars, trucks, SUVs, vans
  • No matter where you are, we will tow you to the nearest professional service center, regardless of distance and pay nothing out of your pocket
  • 24/7 Toll free dispatch
  • If your trip is cut short due to a disablement with your RV, we will reimburse you for hotel, rental car and the cost of your meals up to $1,200
  • Emergency Medical Referral Service
  • Flat tire service, fuel delivery, lock out service
  • Roadside mechanical repairs
  • Spouse & children protection

"We have Good Sam roadside assistance. We've used it twice and were very pleased. THEY find the tow truck and send it out. They call you back to tell you who is coming and about how long before they get there. Then after that time has elapsed, they call again to be sure someone came."

~Cheryl Longshore

American Adventure Insurance

Adventure Vehicle Insurance Specialists We research many companies to find you the best coverage and price. That's why more than 1,000 people every month select a policy through American Adventure. Motorhome, travel trailer, motorcycle & ATV, boat & personal watercraft owners take advantage of our ability to find great deals on insurance from top insurance companies. Companies such as Progressive Insurance, Nationwide Insurance, Safeco Insurance, Allied Insurance (A Nationwide Ins. Co.), Titan/Victoria Insurance (Nationwide Ins. Co.), Foremost Insurance (A Farmer's Ins. Co.), Blue Sky, National Interstate Insurance, Great American through National Interstate (Explorer Insurance), National General (Formerly GMAC Ins.), Camping World Insurance (Represents National General, and others), Good Sam Insurance (Same as GMAC and National General), Dairyland Insurance (Sentry Insurance), Travelers, and The Hartford. Instead of taking time away from your adventures searching for insurance, put our expertise to work for you. Please explore our site for details on the various insurance coverages and options designed to provide peace of mind for your adventures.

Recreational Vehicle Insurance

  • RV insurance through American Adventure is far superior to typical auto insurance. Your coverage can include Emergency Expenses, Unlimited Towing & Roadside Assistance, Personal Belongings Replacement, and more. Whether you own a Class A or Class C motor home, travel trailer, fifth-wheel trailer, toy hauler or camper, you need special recreational vehicle insurance coverage designed for you.
  • Motorcycle Insurance

    • More and more drivers are riding motorcycles to save gas or enjoy the outdoors. Motorcycle and powersports insurance policies have specialty options such as custom parts & equipment coverage, comprehensive theft coverage, apparel coverage, and more. Whether you ride a cruiser, sport bike, or all terrain vehicle, we have the right coverage for you.
    • Boat and Watercraft Insurance

      • There's nothing like being out on the water enjoying time with the family, wake boarding, chasing that big fish that got away, or just enjoying a quiet sunset. American Adventure Insurance can help you navigate through the various boat and watercraft insurance options such as on-water towing coverage, total loss replacement, and personal watercraft insurance.


If you served in the military you may be eligible for auto or RV insurance through USAA. You may also qualify if your parents or spouse has USAA.

USAA membership is a privilege earned by those in uniform — and it's a privilege that can be handed down to their children and grandchildren. Those eligible to join the association include:

  • Active duty officers and enlisted military personnel.
  • Former spouses and adult children of USAA members.
  • National Guard and Selected Reserve officers and enlisted personnel.
  • Officer candidates in commissioning programs (Academy, ROTC, OCS/OTS).

Medical Insurance

Do you need it? How do you afford it? What options are available?

Time and time again these questions come up when someone starts thinking about touring fulltime. While it is difficult to answer these questions for all traveling families because of the wide variety of financial circumstances and the fluctuating market, in addition to the the legalities involved, we can provide some scenarios and point you to some resources. The bottom line is you have to decide for yourself. Is paying for insurance is worth it? Or is choosing to do without the logical decision for your family?

Your Guide to Travel Insurance Ahead of Your Next Trip"

"We've found health care at Urgent Care clinics across the country, but it's been at least four or five years now since anyone's needed a doctor. We carry a  home how to medical book with us, and consult the Internet for homeopathic remedies if need be. No insurance. It's been working for us for many, many years now."

~Vicki "FuhKaui" (FOTR since 1999)


Health insurance for 3 people with a $5000 deductible runs us about $505 a month.

Good Sam's Quotes

Join the Good Sam's Club, they offer a health plan through regency Blue Cross for about $155.00 a month.

I tried finding health insurance from Good Sam's for myself, my husband and my 4 year old daughter and the quote came back at $912 a month!

We joined Good Sam club and went to benefits and then major medical. There they have different plans by einsurance.com and I was able to insure me and the two kids for about $154.00 a month with a $2500.00 deductible with six doctor visits per year per member. We also have $10.00 generic prescription plan. What a big savings over all the other plans out there.

"We get Specialty Risk International health insurance because we spend 1/2 the year in Mexico. It is really affordable; we pay about $2000 a year for a family of six and we have coverage in the US and Mexico. For prescriptions we simply pick up what we need in Mexico. We've really never used the health insurance even though we've had amoebas, typhoid and hepatitis A. Health care is so incredibly cheap in Mexico."

~Kathy "Hopalog" (FOTR since 2004)
posted 11/1/2006

Discount Providers

Check out Ameriplan for health, dental or vision. It is not insurance but it is a discount of providers services.

Paying for Insurance

If you are keeping your house, consider renting it out for more than the mortgage to cover insurance.


The concern most Canadians visiting the US have is keeping their health insurance. As I understand it, they cannot be absent from Canada for more than 6 months at a time. This would certainly be an important matter to check into before you leave the country for an extended period.

Medical Insurance Resources

To help you decide what is best for your family do more research with healthcare.gov

"The best thing we ever did was to tell the insurance company ahead of time that we were going to be traveling. When we had the mishaps, it saved a lot of time and confusion. We have Aetna Insurance and they were most helpful. It is one of those "see your primary care Dr. before anything happens" types of plans, which, of course, is not helpful when you are on the road. They guided us to Docs that were in the plan when we needed them, handled all the paperwork at the customer service center, paid all the emergency stuff when I broke my ankle until we could get going with a Dr in the plan, etc.

Be sure to check out what your company would do in such cases - make sure you buy a plan that is good anywhere you will be traveling and find out how they will handle both emergencies and non-emergency visits - as well as treatment along the way."

~Carol White "Roadtripdream"