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Vacation adventures that won't scare your budget
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"My first precaution is, you want to make sure you work with a good vendor, one who has been in business for a while and is going to be in business for a while," Lierman says.

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"We want to please our clients as far as price is concerned, but we want them to be with a reputable vendor so that when they get there it's not a total rip-off."

Tame planning, thrilling destination
Then there's the competency factor. After all, you're setting out to do something on the edge and perhaps even life threatening, such as ice climbing or diving with sharks.

"For specialized types of trips, you want to deal with people who know what they're doing," Lierman says. "A trip to Europe is a whole other thing. People can go off and do that by themselves, and they're not going to get hurt, regardless."

The trick is to take the adventure out of the trip planning, so you can actually get there to experience the rush.

Because adventure vendors tend to be small, they are unlikely to offer packages with air fare included; in most cases, they're simply not large enough to negotiate price breaks with an airline. If air is included, the price may be inflated; if such is the case, don't hesitate to ask if they will sell you the adventure portion separately.

If you book your flight through a travel agent, tell them about your grand designs, even if you're arranging the adventure portion yourself. They may volunteer to contact their affiliate at your destination who can steer you to a competent local adventure vendor (or away from a questionable one) merely for the privilege of serving you again.

Piecemeal or package plan?
The biggest dilemma is, should you piece the trip together yourself or simply find a package plan that fits the bill?

"I think it depends a great deal upon your plans," says Mark Kahler, the Budget Travel Guide on About.com. "It's usually cheaper to make your own arrangements on relatively simple excursions like a white-water rafting trip. Packages might include extras you don't want. The key is to do the research."

That has never been easier. Thanks to Web sites, such as Budget Travel, Orbitz, Expedia, Travelocity and Cheap Tickets, you can quickly find the best available rates on flights and lodging, add on the cost of the adventure portion and then compare your total to the price of the package plans.

"Such an effort won't take more than an hour or so, and it could save you hundreds of dollars," Kahler says.

You get what you pay for
For more involved trips, it may well be worth spending the extra money that a tour operator tacks on to make sure you get the adventure, and not the disappointment, of a lifetime.

"If you're doing something complicated like an African safari or a trip to Tibet, it's almost impossible to have a safe, complete experience without hiring a guide or using a travel agent. In cases such as this, it's best to find a reliable travel agent who will shop for the best tour price. Not all do," Kahler says.

"From what I've seen, there are some excellent travel agents who specialize in adventure travel. I'd find one who does little or nothing else. They have the best connections. There's no substitute for a specialist."

Once you've narrowed the field of available package plans, it's no time to let your miserly side ruin your rush.

"Don't just shop by price for packages," Kahler warns. "The better-established companies and tours might be a little more expensive, but often they'll provide a better value. If they've been around for a while, chances are they are very reliable.

"Exchanging reliability for a lower price is not budget travel. It is a mistake."

Jay MacDonald is a contributing editor based in Mississippi

Bankrate.com's corrections policy -- Updated: February 29, 2008
 
 
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