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Best Travel Insurance for Mountaineering & High Altitude Trekking

Written by Antonio Cala.

• Affiliate Disclosure

Table of Contents

Whether you’re a seasoned mountaineer, nature enthusiast, or an avid adventurer, securing the appropriate insurance is crucial. In this article, we will explore the best travel insurance for mountaineering and high-altitude trekking. We’ll delve into the distinctive aspects of insurance for these adventurous pursuits, emphasize important features to take into account, and showcase our top recommendations for 2024.

For a comprehensive exploration of insurance options designed specifically for adventure travelers, be sure to explore the Ultimate Guide to Adventure Travel Insurance .

Quick Recommendations

If you want some quick recommendations, here is our infographic to help you choose the best insurance for your high altitude & mountaineering trips. 

Mountaineering Travel Insurance Overview

What is mountaineering & high altitude trekking insurance.

Many insurance providers incorporate coverage for trekking and mountaineering into their standard policies, often labeling it as regular travel insurance or “adventure travel insurance.” Occasionally, opting for an adventure package may be necessary to ensure coverage at high altitudes.

Nevertheless, the primary limitation of these insurance policies lies in the altitude at which coverage ceases. Most companies impose a cap at 15,000 – 20,000 feet (4,500 – 6,000 meters), although some may not have a cap at all.

In the following section, we will delve into the specifics of what a typical insurance policy for mountaineering trips covers and does not cover.

What Does It Cover?

The majority of insurance policies typically provide coverage for the following four categories:

Medical Expenses

Should an unexpected injury or illness occur during your mountaineering or high-altitude trekking expedition, reliable insurance designed for these specific adventures provides coverage for overseas emergency medical expenses incurred at a hospital or medical center.

This comprehensive coverage caters to various medical needs, from essential treatments to more intricate procedures. Whether it involves immediate first aid or extensive medical care, a well-structured insurance plan ensures financial support for your well-being while navigating the challenging terrains of high altitudes and the great outdoors.

Equipment Coverage

In the unfortunate event of damage, theft, or loss of your mountaineering or trekking equipment, such as trekking poles or backpack, specialized insurance for these adventures typically offers coverage. The coverage amount can vary, ranging from a few hundred dollars to several thousand. This provision allows you to file a claim to offset the costs associated with repairing or replacing your essential mountaineering gear.

Trip Cancellation or Interruption

Should the need arise to cancel or cut short your mountaineering or high-altitude trekking expedition due to injury, specialized insurance for these activities offers the flexibility to claim reimbursement for the missed portions of your adventure.

Emergency Evacuation

Arguably the most crucial coverage for a mountaineering or high-altitude trekking expedition, it facilitates emergency medical evacuation to the most suitable medical facility for treatment or repatriation back to your country of residence.

What Doesn't Cover?

Every insurance provider has its own limitations on what they cover and what they don’t. Here are the most common exclusions:

Very High Altitude: Trekking at an altitude over 19,500 feet (6,000 meters) is normally not covered by some insurance companies, unless you purchase an add-on. If you plan to go higher than that, make sure you choose a company that doesn’t have an altitude limit.

Traveling contrary to government advice: If you choose to travel against the recommendations of the U.S. Department of State, it is unlikely that your policy will provide coverage.

Extreme activities:  Some companies might not cover activities like free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions or opening new routes. Verify if your chosen activities require additional coverage or specialist insurance.

Remote Regions: Activities in remote locations such as Antarctica, the Arctic Circle, or Greenland might not be covered by certain insurance companies.

Best Travel Insurance for Mountaineering in 2024

Our Pick For

Remote Locations + High Altitude + Any Nationality

Global Rescue

Nationalities: all nationalities are covered.

Pre-existing conditions: Yes.

Seniors Over 65: People aged 65-75 are included in the Individual Plan. Extended Plan memberships are available to those age 75-84 and include all services but are contingent upon completion of a medical form and a physician’s medical verification.

Trip Duration: Short term policies (7, 14 or 30-days) and long term policies (1 to 5 years) available.

Groups: Individual, family and student plans available.

Situations covered:  It covers civil unrest, natural disasters, government evacuation orders and other security emergencies (when purchasing the Security package).

• Pros & Cons

Reasons To Buy

Remote locations coverage. Coverage available for 65-84. Pre-existing conditions accepted. All nationalities accepted​.

Reasons To Avoid

The price is a bit higher than other insurance policies. However, no other company provides the same coverage as Global Rescue. It doesn’t cover trip cancellations or delays. It doesn’t cover equipment.

Worldwide field rescue (up to $500,000) in remote or dangerous environments. Global Rescue’s deployable teams are standing by to rescue their members from the point of illness or injury for any serious medical emergency.

Medical Evacuation. Global Rescue’s fully deployable medical teams have unparalleled capabilities to transport our members back to their home hospital of choice from anywhere in the world. This includes global COVID-19 transport.

Medical & Security Advisory Services. Global Rescue’s operations centers are staffed by experienced nurses, paramedics and military special operations veterans. Global Rescue also has partnerships with the Johns Hopkins Emergency Medicine Division of Special Operations, Elite Medical Group and Partners HealthCare, the Harvard Medical School affiliate.

Security Membership. Global Rescue’s teams of military special operations veterans are available to provide advisory, consultation and evacuation services for events like natural disasters, terror attacks and civil unrest when you are in danger.

Destination Reports & Event Alerts. Destination reports for 215 countries and principalities worldwide include entry requirements, COVID-19 travel status and restrictions, detailed health and security assessments and required immunizations. Keep up to date on health and security events worldwide.

My Global Rescue Mobile App. Access Global Rescue services in one location. Browse destination reports and alerts, activate emergency assistance, real-time virtual health visits and keep track of the people you care about with GPS tracking and messaging.

Security Package. Physical extraction when you are in danger of bodily harm. It includes civil unrest, natural disasters, government evacuation orders and other security emergencies.

Global Rescue  is the most comprehensive travel protection available worldwide. It has the least restrictions and biggest coverage than any other medical insurance.

This medical-only protection covers individuals of all nationalities and offers options for individuals aged 75 and above. When purchasing the high altitude evacuation add-on, there’s no altitude limit. 

Global Rescue   is our preferred option for mountaineering and high altitude trekking trips.

Americans + High Medical Coverage + Trip Protection

Nationalities:  Only US citizens and residents are eligible.

Pre-existing conditions:  Pre-existing conditions can be covered for Trip Cancellations and Interruptions, as long as you purchase your plan within 14 days of your initial trip deposit, and are medically able to travel when you purchase your plan.

Seniors Over 65:  There is no maximum age limit.

Trip Duration:  All plans cover trips up to 180 days.

Groups:  Insurance policies for solo travelers, couples and families are available.

The prices are very competitive.

Plans are very customizable with plenty of extras available and the option of removing items you don’t need.

Pre-existing medical conditions accepted.

24/7 chat available with the Faye Mobile App

Only available to American residents.

Emergency Medical Expenses: Up to $250,000. If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs, hospitalization and physician costs.

Emergency Evacuation: Up to $500,000. Coverage of transportation in the case of illness or injury that is acute, severe or life threatening when adequate medical treatment is not available in the immediate area.

Trip Cancellation: Up to 100%. If you need to cancel your trip for covered reasons, including if you get sick, contract COVID-19, or a travel provider goes bankrupt. We can cover flights, hotel bookings, tickets & activities, and quarantine accommodation.

Trip Interruption: Up to 150%. When you must unexpectedly cut your trip short or extend it for covered reasons, including if you contract COVID-19.

Trip Delay: Up to $4,500. Up to $300/day, for delays of more than 6 hours. When you’re stranded in transit due to reasons outside of your control such as flight delay or theft of passport.

Lost or damaged Belongings: Up to $2,000. Reimbursement for lost, stolen, or damaged luggage, including clothing, personal items and professional equipment like a phone or laptop.

Cancel for Any Reason: Up to 75% of Trip Cost. The ability to nix your trip for reasons other than those covered in your plan’s trip cancellation coverage, including fear of contracting COVID-19, as long as you purchase this coverage within 14 days of your initial trip deposit and cancel at least 48 hours in advance of your scheduled departure date.

Pet Care: Up to $2,500 in veterinary expenses & 
$250 for kenneling. Coverage of veterinary expenses if you take your furry friend along (including pet sickness or injury), or kenneling costs if you arrive back home later than expected.

Adventure & Extreme Sports: Up to $250K (international trips) or $50K (domestic trips) for accidental & sickness expenses. Medical and transportation coverage if you become injured while participating in an adventure or extreme sport, like skydiving, bungee jumping, motocross or free diving.

Faye insurance  provides American residents one of the biggest medical coverages on the market at a very competitive price. 

There’s no age limit and, with the Adventure & Extreme Sports Protection, you can get cover for high altitude trekking over 9,000 feet (2,700 meters).

We recommend  Faye  for Americans who  want a complete travel protection for their mountaineering trip in high altitude, including high medical coverage, trip protection cancellation & interruption, and baggage coverage.

Non Americans + Budget

World Nomads

Nationalities:  Most nationalities can purchase insurance from World Nomads, including residents of the United States, Canada, the United Kingdom, India, Australia, or New Zealand. However, as of the current writing, most European residents are unable to buy a World Nomads policy.

Pre-existing conditions:  Not covered.

Seniors Over 65:  Travelers aged 70 and over are not covered.

Trip Duration:  All plans cover trips up to 365 days.

The price is competitive.

Prices and coverage vary greatly by the country of residence.

Some European nationalities are not covered.

Pre-existing medical conditions not covered

Max age is 70 years old.

Emergency Accident & Sickness Medical Expense: Up to $100,000. Coverage is for medical expenses for emergency treatment of an accidental injury that occurs during the trip. Emergency treatment must be medically necessary and performed during the trip. Refer to the certificate / policy for complete details.

Emergency dental treatment: Up to $750. Coverage is for emergency dental treatment for accidental injury to sound, natural teeth. The injury and treatment must occur during the trip.

Emergency Evacuation: Up to $500,000. Coverage is for an accidental injury or sickness occurring during the trip that results in your necessary emergency evacuation. An emergency evacuation must be ordered by a physician who certifies that the severity of your accidental injury or sickness warrants your emergency evacuation. Refer to the certificate / policy for complete details.

Trip Cancellation: Up to $10,000. Reimburses for prepaid, non-refundable cancellation charges if you must cancel your trip (after the effective date) due to covered sickness, accidental injury, or death of you, a family member or traveling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike or other covered reasons. Refer to the certificate / policy for complete details.

Trip Interruption: Up to $10,000. Reimburses for prepaid, non-refundable, unused expenses if you must interrupt your trip (after departure) due to a covered sickness, accidental injury, or death of you, a family member or traveling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike, or other covered reasons. Refer to the certificate / policy for complete details.

Trip Delay: Up to $3,000. Coverage is for unused portion of pre-paid accommodation or additional expenses, on a one-time basis, if you are delayed en route to or from the trip for 6 or more hours due to a defined hazard as explained in the certificate / policy.

Baggage & Personal Effects: Up to $3,000. Reimbursement is for loss, theft or damage during the trip to baggage and personal effects (including sporting equipment) owned by you, provided you have taken all reasonable measures to protect, save and recover the property. Per article limit of $500.

Activities covered based on 4 groups. You pay more for higher group. The Explorer plan includes more activities than the Standard Plan. Extreme activities not covered (cave diving, free soloing, etc)

The  World Nomads Explorer Plan  is a great option if you’re looking for an affordable travel insurance with good medical coverage and some equipment coverage (up to $3,000) under the same policy.

Their altitude limit is 19,500 feet (6,000 meters).

We recommend  World Nomads Explorers plan  for mountaineering and high altitude trekking trips if you are not American, your maximum altitude is below 6,000 meters (19,500 feet) and want the trip & baggage protection that Global Rescue doesn’t provide.

Comparison Table

When it comes to finding insurance for your mountaineering trip, everything boils down to what’s the maximum altitude you plan to go and how remote is the area you’re traveling to.

If you plan to go trekking over 19,000 feet or remote areas, the absolute best choice is Global Rescue . Its robust medical evacuation system is simply unmatched by any other provider. 

If you are not planning to go very remote and you are a US resident, the optimal insurance choice is Faye . It provides high medical coverage, accepts pre-existing conditions, imposes no age limit, and with the adventure sports protection you are covered when trekking at over 9,000 ft. 

For non-US residents who don’t plan to go trekking in remote areas, a good option is the Explorer Plan from World Nomads . It provides a substantial amount of medical coverage, covers you up to 19,500 feet (6,000 meters) and their policies are very affordable.

Insurance for Specific Hiking Trails

If you would like to read about insurance options for some of the most popular hiking routes from around the world, you can check out the other trails we’ve written about below:

Himalayas Region

• Travel Insurance for Annapurna Circuit
• Travel Insurance for Everest Base Camp Trek
• Travel Insurance for K2 Base Camp Trek
• Travel Insurance for Stok Kangri Trek

Andes Region

• Travel Insurance for Inca Trail
• Travel Insurance for Lares Trek
• Travel Insurance for Salkantay Trek
• Travel Insurance for Mount Kilimanjaro Climb
• Travel Insurance for Tour du Mont Blanc
• Travel Insurance for Kokoda Track

Other Travel Insurance Reviews

If you would like to read more about insurance options for other type of adventure trips, you can check out our other reviews below:

• Travel Insurance for Ski Trips
• Travel Insurance for Hiking Trips
• Travel Insurance for Mountaineering & High Altitude Trekking
• Travel Insurance for Mountain Bike Holidays
• Travel Insurance for Adventure Cruises
• Travel Insurance for Diving Liveaboards
• Travel Insurance for Adventure Motorcycle Trips
• Travel Insurance for Seniors Over 65
• Travel Insurance for People with Pre-existing Conditions

Mountaineering & High Altitude Trekking Insurance Reviews Online

During your research, you might want to consider checking out articles from various publications that provide insights into the best insurance companies for mountaineering trips and trekking at high altitude.

Below are a few articles that caught my interest.

3 Best Trekking Travel Insurance Policies for high Altitude Trekking & Expeditions  – We Seek Travel

The Ultimate Guide to Travel Insurance for High Altitude Trekking  – The Bucket List Company

About the Author

Antonio was born and raised in Southern Spain, and quit his job in 2013 to travel the world full-time with his wife Amanda for 10 years straight. Their passion for adventure took them to visit 150+ countries.

They cycled 25,000km + from California to Patagonia, sailed over 10,000NM around the Caribbean & Sea of Cortez, rode their motorbikes 30,000 kms+ across West Africa (Spain to South Africa) and visited Antarctica, among many other adventure expeditions.  Today, they’re still traveling,  currently around the USA with an RV.

Traveling to so many places, remote destinations and by different means taught them a lot about travel insurance, which policies to hold depending on the area and the type of adventure they were doing. Antonio now publishes regular content to help other travelers choose the best travel insurance for adventure trips.

Together, they also run the travel community Summit , the RV site Hitched Up , the boutique accommodation blog  Unique Places  and the popular newsletter Adventure Fix , where they share their knowledge about the places they’ve visited and the ones still remaining on their list.

Antonio Cala

Co-Founder of Adventure Fix

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Best Trekking Insurance: High Altitude Trekking Travel Insurance

• April 3, 2023

Trekking, hiking, and mountain climbing can be one of the most exhilarating activities for nature lovers. Climbing to new heights, taking in the mountains that tower above us, and feeling a sense of peace and freedom as we trek into the unknown. However, it is important to know what trekking insurance is , to make sure you are protected from any risks associated with it. If you already know the basics, then read on, and find out about the 5 best trekking insurance options to protect yourself in case of an emergency. 

In this article, we are going to provide information on the five best trekking and travel insurance and review the best policy providers for trekking, climbing, and mountaineering insurance!

Quick Answer: Best Trekking Insurance

Editors Choice

World Nomads Insurance

• Coverage for Trekkers
• Coverage until 22,965 feet (7,000 meters)
• Up to $500,000 in coverage

2nd Best Choice

Travelex Trekking Insurance

• Coverage until 20,000 feet (6,000 meters)
• Up to $1 million in coverage

3rd Best Choice

WorldTrips’ Insurance

• Coverage until 15,000 feet (4,500 meters)

Best Trekking and Hiking Insurance Providers

The information below highlights our top five choices for trekking insurance. We must insist that you look through the policies and what they cover before you purchase any hiking insurance. Whereas, it is important that you know 100% that the insurance will cover your climbing trip and all other activities you plan on engaging in before you purchase the insurance.

Our top five choices for trekking insurance are:

1. World Nomads Trekking Insurance

As an entity, World Nomads has been recommended by well known companies in the travel industry such as Lonely Planet and National Geographic — add with the thousands of customer reviews from  Trust Pilot  that they have garnished over the years, it is easy to see the great reputation that World Nomads has.

They are also backed by secure, trusted, and specialist underwriters who provide travelers with great cover, 24-hour emergency assistance, and the highest levels of support and claims management!

Let’s first start with who World Nomads is. You can also read my full World Nomads Insurance Review to take a deep dive into the insurance provider.

Who are World Nomads?

Since 2002, World Nomads have been protecting, connecting and inspiring independent travelers.

They offer simple and flexible travel insurance and safety advice to help you travel.

Because they believe in giving back to the places we travel to, World Nomads also enables you to make a difference with a micro-donation when you buy a policy.

And they’ll help you plan your trip with free downloadable guides, travel tips, responsible travel insights and recommendations from their global community.

World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

7 things to know about World Nomads trekking insurance

Below are seven things that you should know about World Nomads trekking insurance while considering to purchase a policy.

1. Internationally recognized underwriters: World Nomads is backed by a suite of specialist travel insurers that provide 24/7 emergency assistance, customer service and claims support.

2. 24/7 emergency assistance: If you need medical assistance or emergency medical evacuation, World Nomads’ multi-lingual team is available 24/7 to connect you with medical treatment and transportation during your trip.

3. Buy and claim on the road: Had a change of plans? You can extend your period of cover or claim online at any point in your journey. You can even buy a policy if you’re already travelling.

4. Adventure activity coverage: Designed by travelers, for travelers, World Nomads covers over 150 adventure sports and activities so you can explore your boundaries.

5. Travel safety tips and alerts: World Nomads provides useful and up-to-date travel insurance information and global travel safety advice to help you plan for your journey and navigate the risks.

6. Donate and make a difference: When you buy travel insurance with World Nomads, you can make a micro-donation to a community development project to help change lives in the destinations that need it most.

7. Travel content to help inspire, educate and plan: Plan your trip with free destination guides, develop your travel storytelling skills and learn how you can be a more responsible traveler with World Nomads as your travel companion.

Main Features:

• Standard Plan until 19,685 feet (6,000 meters)
• $500,000 in coverage
• Trip cancellation insurance
• Standard Plan until 22,965 feet (7,000 meters)
• Emergency medical evacuation

Pros and Cons of World Nomads Insurance:

The following are a list of pros and cons, things that we love and hate about the insurance policy:

• Covers a Lot of Countries Worldwide
• High Coverage for Medical Expenses
• Flexible Prices
• Buy or Extend Anytime, Anywhere
• Perfect for adventure-loving travelers
• 24/7 customer service with online claims option
• Limited age coverage for seniors
• Coverage can differ depending on location and nationality
• Limited COVID coverage

Some of the adventure sports and other activities that World Nomad’s trekking insurance covers include:

World Nomads’ Trekking Insurance Covers the Following Adventure Activities:

• Backpacking
• Bungee jumping
• Cage fighting
• Caving and spelunking
• Cliff diving
• Dog sledding
• Free diving (up to 197 feet)
• Hang gliding
• Kiteboarding
• Mixed martial arts
• Mountaineering/Trekking (up to 22,965 feet)
• Paddle boarding
• Rappelling (up to 22,965 feet)
• Rock climbing
• Running of the bulls
• Safari tours
• Salsa dancing
• Scuba diving (up to 165 feet with a commercial instructor or guide)
• Shark cage diving
• Skateboarding
• Skiing or snowboarding by helicopter or snowcat
• Swimming with whales
• Trampolining
• Tree climbing (up to 33 feet)
• Ultimate Frisbee

World Nomads’ Hiking Insurance Does Not Cover the Following:

Additionally, it is important to know about what the climbing insurance does not cover. It is best to talk directly to World Nomads to understand the exclusions and limitations you may face while using this insurance. World Nomads’ insurance for trekking does not cover the following:

• Pre-existing conditions
• Non-emergency medical treatment or surgery
• Routine physical exams
• Traveling for the purpose of medical treatment
• Pregnancy or childbirth (except for complications of pregnancy)
• Participation as an athlete in professional sports
• Participation in extreme sports
• Pregnancy or childbirth costs
• Intentionally harming yourself
• Piloting or learning to pilot an aircraft
• Suicide or attempted suicide
• Cancellations due to war, civil war, acts of foreign enemies, or civil unrest

World Nomads’ Standard Plan vs. Explorer Plan

Below is a comparison table of World Nomads’ Standard plan and Explorer plan and how much coverage travelers can get.

The amount that you will have to pay for your trekking and mountaineering insurance varies depending on your trekking destination, age, country of residence, overall trip cost as well as other factors.

2. Travelex Trekking Insurance:

Our second choice of mountaineering insurance is Travelex insurance. It is a great budget-friendly travel insurance provider that offers affordable rates and coverage for families. Moreover, they offer plan extensions that will allow you to be insured while trekking at high elevations. They provide coverage on individual bases and will allow you to get trekking insurance up to 20,000 feet (6,000 meters) above sea level. This makes it great for climbers looking to hike up to Everest Base Camp trek in Nepal or other places around the world like the Alps, the Andes or Kilimanjaro! 

Another great aspect that we like about the Travelex’s service, is that they have an app that you can download which will provide important information about the country you are traveling to. It will help keep you safe by providing real-time security alerts, information about food and water safety, as well as ATM locations! 

If you are looking for a budget travel insurance plan that will cover the adventure sports aspect of your vacation, Travelex climbing insurance will be a great fit for you! You can get a free quote from hen Travelex climbing insurance . You can also read our full Travelex Insurance review , to learn more about how they are one of the best trekking insurance providers!

• Coverage up to 20,000 feet (6,000 meters) above sea level
• Free coverage for children under 17
• Can apply for pre-existing medical condition waivers
• Travel delay coverage of $2,000

Pros and Cons of Travelex Trekking Insurance:

• The travel insurance will include free coverage for children under the age of 17 if they are with an adult that is covered by the insurance policy
• Offers an adventure sports upgrade, including for high elevation trekking
• You can upgrade the plan to get a “cancel for any reason”
• Medical expense coverage is primary, compared to some competitors’ secondary coverage.
• Provides great travel delay coverage. Providing USD $2,000 per person after an initial five-hour delay.
• “Cancel for any reason” coverage provides 50% reimbursement of the non-refundable deposits – which is lower than most travel insurance providers, who usually provide 75%
• The emergency medical expense coverage for the Travel Select plan is $50,000, compared to higher levels from top competitors.
• Baggage delay benefits only apply after an initial 12-hour wait – longer than most companies

Some of the adventure sports and other activities that Travelex’s trekking insurance covers include:

Travelex’s Trekking Insurance Covers the Following Adventure Activities:

• Travel medical insurance
• Travel delay insurance
• Travel interruption insurance
• Baggage and personal effects
• Car rental collision coverage of $35,000 (upgradable)
• Flight accident or death (upgradable)
• Medical expenses and emergency evacuation (upgradable).
• Coverage for adventure sports activities (upgradable)

Travelex’s Trekking Insurance Does Not Cover the Following:

Additionally, it is important to know about what their climbing insurance does not cover. It is best to talk directly to Travelex to understand the exclusions and limitations you may face while using this insurance. Travelex’s insurance for trekking does not cover the following:

• Intentionally self-inflicted injury
• Normal pregnancy or childbirth
• Mental, nervous or psychological disorders
• Experimental medical treatments
• Injuries due to intoxication or drug abuse
• Routine physical examinations

Travelex Trekking insurance Pricing:

Here are a few examples of trips and costs associated with them, so you can get an idea of what you may have to pay for your trekking insurance with a Travelex Select Plan:

3. WorldTrips’ Trekking Insurance:

For our third choice, we suggest WorldTrips travel insurance plan, as it is a flexible plan that allows travelers to pick and choose which add-on coverage they need. WorldTrips, flexible plans include coverage for pets, adventure sports like high altitude climbing and hiking, destination weddings, and even hunting and fishing equipment.

For travelers looking to take part in various adventure activities, WorldTrips high altitude travel insurance is going to be best for you. However, the elevation coverage is less than the other two plans mentioned above. Whereas, WorldTrips’ only provides trekking travel insurance under 15,000 feet (4,500 meters) above sea level.

Therefore, if you plan on hiking to extreme elevations, you will have to choose a different trekking insurance provider. If the elevation issue is not a problem for your vacation, then WorldTrips is a great hiking travel insurance provider because of the options and upgrades it gives travelers.

• Coverage up to 15,000 feet (4,500 meters) above sea level
• Up to $150,000 in coverage
• Upgrade to “cancel for any reason”
• Flexible plans – travelers can pick and choose coverages

Pros and Cons of WorldTrips Hiking Insurance:

• You can get a “cancel for any reason” upgrade
• You can add an upgrade to your policy to get “interruption for any reason” coverage
• Includes excellent missed connection coverage of $2,000 per person after a three-hour delay.
• Provides travel delay benefits of $2,000 per person.
• WorldTrips offers coverage for travel inconveniences
• The elevation coverage they offer, up to 15,000 feet (4,500 meters) above sea level, is significantly lower than other trekking insurance providers.
• Emergency medical expense coverage of $150,000 is quite low when compared to other policy providers
• You have to wait 12 hours to get baggage delay benefits

Some of the adventure sports and other activities that WorldTrips’ hiking insurance covers include:

WorldTrips’ Trekking Insurance Covers the Following Adventure Activities:

• Indoor and outdoor rock climbing
• Mountain biking
• Mountaineering (at elevations under 4,500 meters)
• Rock scrambling
• Snowboarding (recreational downhill and/or cross country)
• Snow skiing (recreational downhill and/or cross country)
• Zip trekking
• Bodyboarding
• Scuba diving 
• Wakeboarding

WorldTrips’ Trekking Insurance Does Not Cover the Following:

Additionally, it is important to know about what the climbing insurance does not cover. It is best to talk directly to WorldTrips to understand the exclusions and limitations you may face while using their trekking insurance plan. WorldTrips’ insurance for trekking does not cover the following:

• Mental, nervous or psychological disorders (unless hospitalized for more than 72 hours)
• Intoxication
• Participating in organized or contact sports
• Traveling against the advice of a physician
• Elective treatment and procedures
• Medical tourism
• Self-inflicted injury

WorldTrips’ Trekking insurance Pricing:

WorldTrips’ pricing for trekking insurance is broken down by age, and is charged per day. Moreover, depending on the plan you choose, and the amount of medical maximum you are looking for, will also change the overall policy price.

The table below shows the breakdown of costs for traveling outside of the United States. The table is pulled directly from WorldTrips website

4. Global Rescue Insurance:

Global Rescue Trekking Insurance is a well-known provider of rescue memberships in high-altitude and trekking circles. This plan is highly recommended by many of Nepal’s travel and expedition companies.

The most significant advantage for trekkers with Global Rescue’s rescue and evacuation insurance is no elevation limit. Meaning that this policy covers you even when you decide to go to the summit of Everest!

You can get a membership on long term or even short-term basis (7, 14, or 30 days), making the plan extremely flexible and affordable! However, it is important to note that the Global Rescue membership is different than a traditional travel insurance plan. Their altitude travel insurance does not cover travel cancellations, delays, baggage, or medical and dental expenses.

They do offer add-on travel insurance policy with IMG (IMG Signature Travel Insurance), which provides coverage for all these items in addition to your high-altitude and rescue/evacuation coverage.

Make sure to check out my Global Rescue Insurance review blog, it will go into depth about what the medical Helicopter evacuation coverage offers!

• No limitation on altitude for coverage
• Emergency medical coverage — up to $100,000
• Trip cancellation — up to $100,000
• Lost luggage/baggage delay — up to $2,500
• Up to 150% of trip cost insured for trip interruption

Pros and Cons of WorldTrips Hiking Travel Insurance:

The following are a list of pros and cons, things that we love and hate about the hiking insurance policy:

• Secure the value of your entire trip
• Industry’s most complete travel insurance products
• Field Rescue services from the point of injury or illness
• Face-to-face video consultations and advice about your diagnosis
• Prescriptions, lab work, diagnostic imaging
• Help determining the best possible treatment options
• Can be expensive depending on the trekkers usage of the plan
• Have to buy annual membership
• Emergency medical expense coverage of $100,000 is quite low when compared to other altitude insurance policies

Global Rescue Trekking Insurance Membership Covers the Following:

• Worldwide Field Rescue: teams on standby to rescue members in dangerous or remote locations.
• Medical Evacuation: teams capable of transporting members back to their home country hospitals from anywhere in the world.
• Medical & Security Advisory: on-call paramedics, nurses, and military special operations veterans to provide virtual medical assistance and security advice in emergencies.
• Other Travel Assistance Services: include visa and passport support, hospital referrals when needed, translation services, and even logistics management.

Global Rescue Insurance Policy Pricing

Below are the prices you can expect to pay depending on the length of your trekking trip:

*Additional memberships are available. For members adventuring to higher altitudes, the High-Altitude Evacuation Package provides medical transport services to members who travel above 15,000 feet or 4,600 meters at any point during their trip (excluding airplane travel) and who require emergency transport due to injury or illness.

5. SafetyWing

SafetyWing is a well-known travel insurance provider that offers policies designed specifically for digital nomads and long-term travelers. While they offer coverage for some adventure activities like hiking, trekking, and mountaineering, it is important to carefully review their policy to ensure that it covers the specific activities you plan to undertake.

Unfortunately, they will not cover you while trekking above 4,500 meters. This is still pretty high, and depending on the elevation of your trek, it might be just enough for you to get by with!

Their policies generally provide medical coverage, emergency medical evacuation, trip interruption, and travel delay coverage. However, they may not offer as comprehensive adventure activity coverage as other travel insurance providers. It’s essential to carefully read the policy’s terms and conditions, including any exclusions or limitations.

Ultimately, whether or not SafetyWing is a good insurance provider for trekking depends on your individual needs and the level of coverage you require. If you plan to undertake high-risk activities or travel to remote areas, you may want to consider a policy from a provider specializing in adventure travel insurance.

You can read my entire SafetyWing Insurance review for more information about if their travel and trekking insurance are right for you!

• Up to $250,000 for intense care unit
• Up to $5,000 for trip interruption
• Up to $100 a day for Travel delay after a 12-hour delay
• Up to $100,000 for emergency medical evacuation

Pros and Cons of SafetyWing Hiking Insurance:

• Website is easy to navigate and understand
• Can sign up while abroad and be covered immediately
• Young children included – 2 children under 10 per family (1 per adult)
• Trip interruption – Up to $5,000. No deductible
• Easiest and fastest insurance to sign up for
• Visits to home country are covered – After 90 days abroad, you’re covered for brief visits back home for up to 30 days (15 days for US residents).
• Limitations on the adventure activities you will be covered for
• The maximum altitude trekkers are covered is relatively lower than other providers
• Maximum is lower than other providers and is cumulative amongst the family or group the trekker is traveling with

SafetyWing Insurance Covers the Following:

Here are only some of the things that are covered:

• Emergency medical treatment
• Lost luggage
• Travel delay
• Evacuation in the event of terrorism, political disruption, or medical emergencies
• Accommodation in the event of natural disasters
• Transportation of a family member from your home country to you in case you have to stay in the hospital for an extended duration
• Personal liability for losses or injuries to third-parties

SafetyWing Insurance Does Not Cover the Following:

• Trip cancellation and
• Most adventure sports

SafetyWing insurance Pricing:

Below is a breakdown of how much you can expect to pay for insurance with SafetyWing per month. Please note that the price does not include traveling in the USA.

Best travel insurance for trekking up to 6000m

The best trekking insurance up to 6000 meters, are World Nomads, Travelex or Global Rescue insurance policies.

Global Rescue’s coverage does not have an altitude cap. However, World Nomads and Travelex will void your insurance if you go above 6000 meters. Here are a couple of popular trekking routes below 6000 meters that these plans will cover:

• Everest Base Camp Trek (5,364 m): This iconic trek takes you to the base camp of Mount Everest, offering breathtaking views of the Himalayas, Sherpa culture, and stunning landscapes.
• Annapurna Circuit Trek (5,416 m): Known for its diverse scenery, the Annapurna Circuit is a classic trek that takes you through lush valleys, high mountain passes, and traditional villages in the Annapurna region.
• Inca Trail (4,215 m): The Inca Trail is a historic route that leads to the magnificent ruins of Machu Picchu. This trek combines beautiful Andean landscapes, ancient Inca sites, and rich cultural experiences.
• Kilimanjaro Machame Route (5,895m): Mount Kilimanjaro’s Machame Route is a challenging trek that takes you through diverse ecosystems, including rainforests, moorlands, and alpine deserts, culminating in a summit attempt to the highest peak in Africa.

Best Trekking Insurance for Everest Base Camp in Nepal?

While there is no specific travel insurance exclusively for the Everest Base Camp trek , either of my previous three suggestions will provide coverage for this trek. The highest elevation typically reached on the trek is Kala Patthar at 5,644 meters (18,519 feet).

Key Things To Consider When Looking for High Altitude Trekking Insurance:

Having conducted extensive research on travel insurance for my own high-altitude expeditions and treks, and having personally dealt with making insurance claims during my five years of travel, my top recommendation is to thoroughly review the product disclosure statement (PDS).

Here are three things to look for when purchasing trekking insurance:

• Altitude Limits: Check for hidden altitude limit clauses and special conditions regarding the use of ropes or ice axes in trekking insurance.
• Medical Coverage: Consider if medical expenses, overseas hospitalization, and emergency care are included in the insurance policy. Non-traditional rescue memberships may not cover in-country medical treatment.
• Pre-Existing Medical Conditions: Review insurers’ requirements for pre-existing conditions, as complications from altitude-related illnesses may affect coverage for existing heart, brain, or lung issues.

FAQs: High altitude trekking travel insurance

Below are some of the most frequently asked questions when it comes to high altitude trekking travel insurance in Nepal!

The four best trekking insurance for Nepal are: – World Nomads – Travelex – WorldTrips – Global Rescue Membership – SafetyWing

Yes and no. Travel insurance is not mandatory to visit Nepal. However trekking insurance is mandatory to get a TIMS pass and go trekking in most of the routes in the Himalayas.

Yes you can get travel insurance for Nepal. Many companies offer some form of coverage for tourists visiting Nepal. However, if you are going to engage in adventure activities like trekking, you will need a specialize insurance for high altitude treks.

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Trekking Insurance: Everything You Need to Know

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As you prepare for a trek overseas, understanding your insurance needs is crucial. Knowing the specifics of trekking insurance can make all the difference in managing the risks associated with such adventures.

High altitude treks, especially those reaching up to 6,000 meters, require careful consideration of insurance coverage to ensure that you are protected against the inherent risks of the wilderness and demanding physical activity.

It’s also important to seek policies that cover mountaineering equipment such as ropes, crampons, and ice axes, as these signify activities that standard travel insurance may not cover.

While trekking, the fine details of insurance policies can have significant implications . A specialist insurance provider can give you the peace of mind you need to fully engage with the rugged outdoors.

Quick Verdict: no time to read the whole article? No problemo, here’s my top recommendation for trekking insurance.

Global Rescue

• Truly Global Coverage
• Helicopter Rescue
• Medical Evacuation and Field Rescue
• Destination Reports and Alerts
• 24/7 telehealth staffed by experienced nurses, paramedics and military special operations veterans.
• Membership + Individual Trips - Add-on Tradtional Travel Insurance

What we liked: Extremely good communication, 24/7 help line to address problems that can be solved without full rescue. 

• Visa and passport services
• Translation services in 190 languages
• Legal service location in 160 countries
• Logistics management and coordination

Note: Based in New Hampshire and supports NASA and US Ski Team

• Comprehensive Emergency Services : Members have access to a wide array of emergency services, including medical and security evacuations, field rescues, and telemedicine consultations.
• Global Coverage : Global Rescue operates around the world, offering support and evacuation services in both remote and urban settings, which is particularly beneficial for travelers and adventurers.
• Expertise and Resources : The company is well-regarded for its team of medical and security experts and has a partnership with Johns Hopkins Medicine, ensuring high-quality advice and care.
• Cost Factor : The membership can be expensive, especially for those who travel infrequently or are on a limited budget.
• Membership vs. Per-Trip Insurance : Since the services are membership-based, they may not be as cost-effective for those seeking coverage for a single trip as opposed to regular travelers.
• Limited Traditional Travel Insurance Benefits : The membership focuses on emergency evacuation and rescue, which means it may lack comprehensive trip insurance features like trip cancellation, baggage loss, or delay coverage.

Being informed about the various offerings and the scope of coverage will empower you to make the best choice for your journey.

Keep in mind, the specific terms and conditions of insurance policies are vital, and thoroughly reviewing them is just as important as picking the right trek itself.

Key Takeaways: How to Choose Trekking Insurance

• Evaluating trekking insurance options is vital for overseas treks or high-altitude adventures.
• Specialist insurance may be necessary for activities involving mountaineering gear.
• Careful review of policy details is essential before making an insurance purchase.

Trekking Protection Plans

Important factors to evaluate.

When embarking on high-altitude adventures, several critical elements must be weighed regarding insurance for trekking activities. Here’s a breakdown of major aspects to consider:

• Altitude Limitations : Typical vacation coverage doesn’t extend to the risks encountered in high-altitude treks such as those to Everest Base Camp or Kilimanjaro peak. Ensure your plan explicitly covers heights up to 6,000 meters to mitigate risks like Acute Mountain Sickness, which becomes a significant concern above 2,800 meters.
• Trail Injuries : From minor incidents like sprained ankles to serious accidents, the unpredictability of hiking requires comprehensive coverage that includes costs of both emergency medical services and potential evacuations.
• Unforeseen Sickness : Apart from on-trail injuries, general health issues, notably gastrointestinal ones, are not uncommon. Coverage for these off-trail medical incidents is vital.
• Gear and Baggage : Issues with baggage – such as theft, damage, or loss – can drastically affect your trek. Most insurance plans cover these, but check the coverage limits if you carry expensive gear.
• Comprehensive Travel Issues : Beyond trekking, general travel incidents like flight delays or tour cancellations should also be covered to ensure peace of mind.

Features of Trekking Insurance

Navigating the intricacies of trekking coverage requires careful examination. For any inquiries, your chosen insurance provider is equipped to deliver thorough responses.

Ensure altitude coverage, medical assistance, evacuation services, repatriation expenses, and acute mountain sickness care are included.

Yes, it should encompass specific mountaineering incidents, search and rescue operations, and potentially helicopter rescue.

Common illnesses, especially those linked to travel like gastrointestinal issues, should be covered.

Baggage protection should cover loss, theft, and damage, with options to increase limits for high-value items.

Look for policies that help mitigate financial impacts of travel delays, trip cancellations, and operator defaults.

For tailored guidance and more comprehensive details, always review the terms and conditions of your insurance policy and maintain direct contact with your insurer for 24/7 emergency assistance.

It can cost upwards of $3000,000 to repatriate a body , so this insurance protects your loved ones in case of serious accident.

In case of emergency 👉 Rescue Insurance

Crave the Planet partners with Global Rescue to offer the world’s leading travel protection services. Medical and security emergencies happen. When they do, we rely on Global Rescue to provide our clients with medical, security, travel risk and crisis response services.

Without a membership, an emergency evacuation could cost over $100,000. More than one million members trust Global Rescue to get them home safely when the unexpected happens. Learn more about trekking insurance , but we highly recommend our audience enroll with Global Rescue .

Pros and Cons

Related 👉 review of global rescue travel insurance, final verdict: best trekking insurance.

A combination of rescue and travel insurance is best for adventure travelers. Rescue insurance is to protect yourself and travel insurance is to protect your wallet.

Rescue Insurance [Protect Your Body and Health]

It’s a very good idea to get insurance for this trip just in case you twist an ankle or worse on the trail.  Parts of these trails are totally inaccessible to vehicles so if you did get hurt you would have to get a helicopter rescue. 

Crave the Planet partners with Global Rescue to offer the world’s leading travel protection services.  Medical and security emergencies happen. When they do, we rely on Global Rescue to provide our clients with medical, security, travel risk and crisis response services. Without a membership, an emergency evacuation could cost over $100,000. More than one million members trust Global Rescue to get them home safely when the unexpected happens. 

👉 We highly recommend hikers enroll with Global Rescue for peace of mind.

Travel Insurance [Protect Your Wallet]

| TL;DR From Author

Don’t let unexpected changes derail your travel plans – with travel insurance you can have peace of mind knowing that you’re covered if you need to alter your bookings. Protect your investment and travel with confidence by securing travel insurance today.

Become a European Adventure Travel Insider in Just 5 minutes

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Common Questions

Choosing the right travel insurance for high-altitude hiking.

When selecting insurance for high-altitude hiking, consider these factors:

• Policy Coverage : Ensure the policy covers altitudes beyond your intended trek.
• Medical Coverage : Look for comprehensive medical coverage, including conditions related to altitude sickness.
• Emergency Evacuation : Confirm that your policy includes air evacuation and rescue services.

Trekking Insurance in the Era of COVID-19

How COVID-19 impacts trekking insurance:

• Trip Cancellation : Check if the policy covers cancellations due to pandemic-related restrictions.
• Medical Treatment : Verify if COVID-19 treatment is included if you fall ill during the trek.

Advantages of Hiking-Specific Insurance Compared to General Travel Policies

Reasons to opt for specialized hiking insurance:

• Activity Coverage : Tailored to cover common hiking risks, like trail injury.
• Equipment Protection : Offers protection for specialized hiking gear.

Insurance Distinctions Between Hiking and Trekking

Understanding the nuances in coverage:

• Risk Level : Trekking often requires additional coverage due to increased risks.
• Duration and Distance : Longer treks could necessitate more comprehensive insurance due to extended exposure to elements.

Top Travel Insurance Plans for Treks Up to 6000 Meters

Look for policies with:

• High-altitude coverage
• Medical and emergency services
• Gear and personal belongings protection

Inclusion of Rescue and Medical Evacuation in Trekking Insurance

Most trekking insurance plans include:

• Rescue Services : Availability of mountain rescue services.
• Medical Evacuation : Coverage for transportation to the nearest medical facility.

My Guides to Bucketlist Hikes in Europe (That I’ve personally done and loved.)

• Alta Via 1 Trail in the Dolomites
• Olpererhütte Hike in Austria
• The Fisherman’s Trail in Portugal
• The Tour du Mont Blanc Hike vs the Alta Via 1

We hope this quick guide to trekking insurance helps you plan your next adventure.

Author profile :  Morgan Fielder is a Doctor of Physical Therapy and passionate hiker who believes in exploring the world on foot with good food. Follow her journey as she shares science-based hiking tips and advocates for sustainable tourism.

Where do you live

All persons to be insured must reside at a permanent address within the EEC ( Excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine) to be eligible for cover.

Can I take out this insurance if I am already travelling?

When cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.

There is no 14 Day Cooling off Period and no premium refund will be made if the insured Person has already travelled.

family family 

Definition of a couple

A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.

If you do not qualify as a couple, please select individual(s)

Annual Multi-Trip Durations

Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.

Annual Multi Trip trip limits:

Standard policy - 30 days

Premier policy - 70 days

If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.

One Way Trip

Please note a Single Trip policy can cover travels with no return ticket booked, a One Way policy is intended for:

Emigrating to new country where you intend to permanently live

Returning to your home country permanently

All cover ceases upon arrival at final destination

Select the type of policy most suitable for your needs.

Single Trip: A flexible policy with no limits on how many countries you visit or how long you’re away for. Suitable for all types of travel whether it be short term/long stay or backpacking. No return ticket required and unlimited home visits offered on policies over 4 months long.

One Way Trip: Means you are Emigrating to a new country where you intend to live permanently or, returning to your home country permanently. Cover will end upon arrival at your final destination. Please note: There is no cover for emergency return travel expenses if you do not have an original return ticket.

Annual Multi-Trip: This policy covers an unlimited number of trips throughout the 12 month Period of Insurance. Each trip has a maximum stay validity depending on the type of policy chosen. For example, for Standard Policies, the maximum duration of any trip shall not exceed 30 days and for Premier policies, the maximum duration of any trip must not exceed 70 days. 

If you are already travelling it is not possible to purchase the annual multi-trip policy.

Geographical Areas

Europe: Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean. Australia & New Zealand: a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide excluding North America & Mexico: (North America means the USA, Canada & Mexico.) a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide including North America & Mexico: Worldwide means anywhere in the World including the USA, Canada & Mexico.

Automatic Trip Extension   If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium. In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack. Please ensure you arrange cover for the entire duration of your travel

Where you normally reside

Where do you normally reside? Where do you normally reside? Please use the drop down box to choose your country of residence. Note we can only insure residents of the UK & EEA Countries. Can I take out this Insurance if I’m already abroad? If you are normally a resident of the UK or EEA Countries and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad. Do you have minimum residency requirements? No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.

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Trekking up to 2,500m

Included in all the Policies, The Standard Pack covers you for walking , hiking or trekking up to 2,500 metres. This is serious mountain altitude as our highest peak, Ben Nevis, is just 1,344 metres up .

Trekking up to 4,600m

But if you want to go higher, then our Activity Pack covers you up to 4,600 metres, which would just include reaching the peak of the Matterhorn at 4,478 metres or the highest part of the Inca Trail to Machu Picchu at 4,430 metres.

Trekking over 4,600m

Our Extreme Activity Pack covers above 4,600 metres, with no upper altitude limit and is suited to the most challenging of mountain treks such as Mt Kilimanjaro, Aconcagua, and Mont Blanc.

Medical & Repatriation

Medical Cover is the most important part of your travel insurance. Our Premier policy covers up to £10m for hospitalisation, medical and repatriation expenses, up to £5m for our standard and up to £2m for our budget policies.

Get Cover If Already Travelling

You don't need to be in your Home Country to get cover, you can buy a policy from anywhere in the world, as long as you're residential status is still in the UK or EU. Just follow the Quote form to get a price and complete your purchase.

Gadgets & Valuables

Protect your gadgets (mobile phones, iPods, iPod touch and/or accessories, ),  sports equipment (golf clubs, bicycles) and other valuables such as watches and  jewellery up to £1,000.

Baggage Cover included

24 hour emergency helpline, up to £10m medical cover, extend cover on the go, trekking insurance.

Whether you choose to walk alone, with friends, or as part of an organised group, you need to have the right insurance in place to give you peace of mind and to cover any mishaps along the way. Don’t forget that trekking is often undertaken in remote areas where medical or other assistance is not always close at hand. What could be a relatively minor complication in normal circumstances, such as a sprained ankle or fractured bone, could necessitate a helicopter rescue if such an accident occurs in mountainous or isolated terrain. Add the costs of any hospital treatment or if repatriation to the UK is medically necessary, makes it essential that you have suitable insurance to cover all of these eventualities.

Key benefits of our Trekking Insurance include:

• Emergency Medical and Repatriation Expenses up to £10 million.
• Helicopter emergency rescue
• Emergency Dental Cover.
• Cover duration of up to 24 months.
• Baggage Cover
• Gadgets & Valuable Cover
• No altitude limits with our extreme activity pack. (For trekking in Nepal the Nepal Trekking Pack add-on will need to be included. A 7,000m altitude limit is applied to this.)
• One Way Travel.
• No return ticket requirement.
• Free Home visits.
• 156+ Sports and Activities.
• Winter Sports Cover.
• Loss of Passport & Visa replacement costs.
• Facility to arrange or extend Insurance when already travelling.

Frequently asked questions:

To add any of our Activity Packs, just follow the Quote form - to stage 3 - there you will find all of the optional extras.

The Additional Mountain Rescue section of cover is a specific level of cover that takes effect when helicopter rescue is deemed necessary by the local Rescue Authorities due to a non-medical emergency such as natural disasters or adverse weather conditions.

This section of cover does not apply to Medically Necessary helicopter evacuations - these costs are covered under the Medical & Repatriation section of cover.

It is recommended that when travelling to any remote areas, you go in a group of at least 3 people with a 2 way working communications device, a navigation device, you let someone(s) know your route and when you should arrive, as Search and Rescue costs are not covered.

We have no upper altitude limit with our Extreme Activity Pack Add-on. Otherwise, with the Activity Pack you can trek up to 4,600m. And if you're only trekking up to 2,500m, there's no need to add anything on - Trekking up to 2,500m is one of the 64 activities we cover for free.

Please note for trekking in Nepal the Nepal Trekking Pack add-on will need to be included. A 7,000m altitude limit is applied to this.

How do you include these Add-ons? See question below.

Yes, Helicopter Rescue is covered.

Helicopter rescue is classed as a necessary Medical Expense, so is covered by the Medical & Repatriation expenses section of cover (limit of either £2m, £5m or £10m depending on the policy)

To get a quote, please visit our Trekking Insurance page by following this link .

Some popular Trails:

Everest base camp.

While only the very few ever get to scale the mighty 8,848m peak of Everest, the next best thing for the seasoned adventurer is the classic route to Everest Base Camp.

Read more..

Annapurna Circuit

The Annapurna Circuit, a 15 to 20 day trek within the Annapurna mountain range of central Nepal, is prized as one of the best treks in the world. The route encompasses a rich mix of terrain from jungle to paddy fields, waterfalls to canyons, as well as a cultural variety from Hindu villages

Read more...

Trekking to the lost Inca city of Machu Picchu, with its spectacular mountain-top location in the Andes, is one of the world’s most iconic hikes. Machu Picchu was named one of the New Seven Wonders of the World in 2007 and is classed a UNESCO World Heritage Site .

Mount Kilimanjaro

Mount Kilimanjaro, at 5,895 metres (19,341 ft) above sea level, is the highest mountain on the African continent. It is one of the Seven Summits – the highest mountain peaks of each of the seven continents – that requires no technical climbing skills since all of its trekking routes are pure hiking paths.

Mount Aconcagua

Aconcagua, at 6,961 metres, is the highest mountain in the Southern Hemisphere. It is located in Argentina within the Andes mountain range, close to the border with Chile. It is one of the Seven Summits - the highest mountains of each of the seven continents - and the second highest peak in the world outside of the Himalayas.

Pacific Crest Trail

The Pacific Crest Trail is a spectacularly scenic long-distance hiking trail stretching from Mexico via the USA to Canada through California, Oregon, and Washington. It follows the highest section of the Sierra Nevada and Cascade mountain ranges and, along the way,

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)   is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk  or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services.  All rights reserved.

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List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.

Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.

What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).

b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.

c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.

Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.

Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.

If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.

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Best Trekking Travel Insurance: Ultimate Guide

If you are planning to do a big trek or climb, probably on of the first questions you should be asking yourself is what kind of trekking travel insurance should I get?

Trekking or climbing comes with inherent risks and in the event of injury, the potential cost of medical treatment in a foreign country is massive. The point being, you want to have insurance that will leave you feeling fully covered before you depart on your next big adventure. 

Finding the best trekking travel insurance is not easy though. Once you start reading the fine print of many common travel insurance providers, you will immediately notice that high-altitude trekking or climbing is not covered or prompts some question marks about what is covered and what is not. 

Well, we have taken the hard work and guessing game out of the equation by providing you with honest advice and tips for selecting the best trekking travel insurance that best suits your needs. Let’s jump right in…

Why Choose Trekking Travel Insurance?

Engaging in high-risk activities like trekking and mountaineering means that at some point during a lifetime of big adventures, there will come a point when an injury occurs and you will need to be protected from the exorbitant costs that come with emergency medical attention and helicopter evacuations. 

For perspective, getting a helicopter in Pakistan can cost as much as $25,000. The treatment of a broken bone can cost thousands too, especially if you need emergency surgery. 

Whether you are looking for  Everest Base Camp insurance or insurance for trekking up to 6000m – one thing is for sure, you must have adequate trekking travel insurance. 

Best Trekking Insurance Quick Answer: Global Rescue

If you want to just get straight to the point without having to scroll any further, we understand.  Our staff’s top pick for the best trekking insurance: Global Rescue

The Overall Best Trekking Travel Insurance: Global Rescue

Being someone who has organized trekking and adventure trips around the world for the last seven years, I can tell you that I have not found a better travel insurance option for trekking activities than Global Rescue. 

These guys specialize in helicopter rescue and extraction as well, and in most situations, you can count on them to come through for you with a helicopter evaluation when you need it most. 

There are two different products that Global Rescue offers and you should understand the difference between both. 

Global Rescue Membership : Cover is provided for emergency helicopter evacuations pretty much anywhere in the world. GR pioneered worldwide field rescue for their members in remote or dangerous countries. They literally have deployable teams standing by to rescue their clients in case of a remote illness or injury for any serious medical emergency. It is worth noting that the GR membership only includes the helicopter or emergency evacuation and it not medical insurance.

Here is what is covered with a Global Rescue Membership: 

• Global Rescue emergency staff operators on call 24 hours a day, seven days a week. 
• No limit on altitude. Even if you are planning on climbing Mount Everest, you will be covered. 
• Fast Deployment: If you are injured, the last thing you want to do is need to haggle with insurance companies or to have delays with your helicopter coming. 
• Destination reports: for 215 countries and principalities worldwide including entry requirements, COVID-19 travel status and restrictions, detailed health and security assessments and required immunizations.

Global Rescue IMG Signature Travel Insurance : This is the medical insurance part of what Global Rescue offers. The travel insurance is essentially an add-on to the Global Rescue membership outlined above, though it is also possible to get the insurance without having a membership too. 

The best part about the Global Rescue travel insurance is that there are no exclusions for trekking-based activities or being at high altitudes; a common exclusion for other travel insurance companies. 

The policy also covers things like lost or stolen baggage, search and rescue operations costs,  and rental car damage. 

The main downside we can find for Global Rescue is that it is expensive – but like most things in life, you get what you pay for and that certainly rings true when it comes to the best trekking travel insurance. 

If you are going to climb a mountain higher than 6000m – like Island Peak in Nepal as an example – then this is the right insurance for you. 

Here are some of the key features of the  Global Rescue IMG Signature Travel Insurance:

A Story of First Hand Experience with Global Rescue in Pakistan

There is a first time for everything! The following event proved to be a good test of Global Rescue’s services when the time came to call in an emergency helicopter evacuation.  This is how our first experience actually needing to use Global Rescue went down…

Basically, we had one elderly client on the K2 Base Camp Trek trip who was struggling with the hike and was sick from a combination of the altitude and something he ate. I made the decision as the trip leader to end his trek on the third day of the trip, more as a preventative measure for something worse happening in the future at an even higher altitude. The client agreed with my judgment call and we called Global Rescue from the satellite phone. They were extremely helpful and responsive.

They arranged for a helicopter to meet us at our camp the next day. Right on time, the helicopter showed up 45 minutes before it was supposed to and the client was air-lifted to a hospital in Skardu for treatment of his stomach bug. 

Organizing heli rescues in Pakistan is much more complicated than in Nepal or other adventure destinations around the world because on must go through the army to get the helicopter. Global Rescue handled everything from start to finish and even did wellness checks on the client during the days ahead. After that experience, Global Rescue now has my full confidence as is a major reason why we recommend them to all of our clients. 

For the best high altitude trekking travel insurance, Global Rescue seems ticks most of the boxes in our book – and it is fair to say that our clients feel the same way. 

Runner Up for the Best Trekking Travel Insurance: Garmin SAR Travel Insurance

That’s right! The company known for making beautiful fitness tracking watches and GPS devices now offers search and rescue travel insurance. 

It should be clear that the Garmin SAR (search and rescue) does NOT cover any medical costs, so you would need to book additional travel insurance, to cover medical stuff and you need a compatible Garmin device to use it. 

The main function of Garmin SAR insurance is that it covers evacuation and search and rescue incidents.  There are two insurance categories to know about: SAR 100 insurance and SAR High-Risk insurance. 

The SAR 100 insurance has an exclusion if you plan on mountain climbing – (with intent to go above 5,000M) – so you will need to step up the coverage to the high-risk plan if you know your itinerary has you going above 500 meters – and there is a significant price increase too for the high-risk coverage. 

Depending on the length and duration of your trip, the Garmin SAR High Risk policy is one of the best travel insurance for trekking up to 6000m from a costs standpoint. 

Both Garmin SAR policies cover up to 100,000 for search and rescue/helicopter evacuation situations. 

Here are some of the key features of the  Garmin SAR Trekking Travel Insurance:

To use this insurance, you need the Garmin In-Reach or Garmin In-Reach Mini . We have used these devices extensively on Epic Expeditions trips and they function pretty much anywhere in the world including in the middle of the ocean or Antartica.

The story of the helicopter evacuation I mentioned above was mostly done through messages I exchanged with Global Rescue via a Garmin In-Reach Mini before we broke out the sat-phone. 

The Garmin satellite messenger devices also have an SMS button that immediately triggers emergency response communications directly with Garmin.  

#3. World Nomads Standard and Explorer Insurance

World Nomads has been an industry leader for basic travel insurance for a long time. I have used World Nomads for many of my solo travels in the past. For your standard backpacker’s insurance, they are one of the most popular options and they generally have a good reputation within the backpacker/traveler community. 

When it comes to trekking travel insurance, World Nomads is a good overall option as they offer medical coverage, rescue services, and coverage for lost or stolen baggage. 

The major downside to going with the World Nomads Standard (and cheapest) plan is their lack of coverage due to high-altitude exclusions above 6,000 meters. The World Nomads Explorer policy covers mountaineering expeditions up to 7,000 meters – which is a new feature as of this year. 

For the standard policy, if you are using ropes or other climbing equipment, then you might not be covered. As with any insurance, it is best to read the fine print before choosing one based on what your itinerary and plan are. 

You can check the different activity coverages between the Standard and Explorers policies here . 

Here are some of the key features of the two World Nomads insurance policies (Standard policy coverage is on the left, Explorers coverage is on the right):

4. Safety Wing

The cheapest travel insurance you will find on this list is offered by Safety Wing, 

Safety Wing is known for being “digital nomad” insurance more than adventure sports insurance, but they still do provide some decent coverage. If you are visiting Europe or the USA, going with more basic trekking travel insurance is all you probably need.

 If you are trekking or mountaineering at elevations of 4,500 meters or lower then you are fully covered. Their base price is around $42 USD – which is a steal of a deal for basic medical coverage. Note that Safety Wing insurance does not cover helicopter medical evacuation. 

Here are some of the key features of the Saftey Wing Nomad insurance policy:

How to Choose the Best High Altitude Trekking Insurance

Choosing the right high-altitude trekking insurance is not a decision that should be taken lightly. There are major financial and safety implications to consider if you choose the wrong insurance for your desired itinerary.  This is why we recommend Global Rescue! From what we have observed, GR comes with no BS – which is exactly what you want in your hour of need. 

Here are six things you should consider before pressing the “buy” button for your next trekking travel insurance policy. 

• Look at the maximum altitude you plan to reach on your next trip. Travel insurance policies really start to differ when we are talking about 5000 meters or higher. 
• Know whether or not you will be using any ropes or climbing tools during your trip. 
• Check with the insurance company if coverage is possible for a high-risk destination country with an active war zone, sanctions, or other factors that the insurance company might deem ineligible for coverage. 
• See if there is a “cancel for any reason” add-on. Having insurance for trip cancellation is important if you want to protect your investment (ie a trip booking payment) in the case of an unexpected emergency that prevents you from traveling, 
• Make sure the travel insurance company you are leaning towards covers your specific nationality for the country you plan on going to. For example, not all insurance companies will cover Americans traveling to Iran . 
• Read over ALL of the exclusions and benefits. Understand the policy before you buy it. 

The Best Insurance for Everest Base Camp Trek or K2 Base Camp?

Choosing trekking insurance for Everest Base Camp trek or another long-distance high-altitude trek like K2 Base Camp should be pretty straightforward. Since in both cases, you will be going above 5,000m, you should have the appropriate coverage for that altitude. 

The K2 Base Camp with the add-on to do Gondogoro La (5600m) might also affect which policy you choose because the descent of the mountain pass known as Gondogoro La involves using a fixed rope line, crampons, and the like. 

From our list above, the best insurance for Everest Base Camp trek or K2 Base Camp that our clients have used has been the Global Rescue travel insurance . 

World Nomads would be a close second for total medical and emergency evacuation coverage. 

Wrap Up: The Best Trekking Travel Insurance for High-Altitude

There you go, guys! I know reading about trekking insurance is the least fun part about going on a big adventure. That says, if you have learned one thing from this article, then you should now know that having the best trekking insurance for your specific project is very important. 

Thinking about insurance is just one of those things we must do to ensure we are protected in a worst-case event sort of scenario. 

Once you have your trekking travel insurance sorted, you can start to focus on preparing your fitness and the gear you need for the adventure that lies ahead. 

If you have not already, be sure to check out Global Rescue travel insurance for one of the most comprehensive policies out there. 

Note: We are not insurance professionals or experts. All we can do is provide advice based on the type of trekking insurance our own clients have used and our own previous experience with using these insurance products. We NEVER recommend insurance products our team members have not used themselves. 

To be fully transparent, some of the links provided in this article are affiliate links that provide Epic Expeditions with a small commission at no extra costs to you. 

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Welcome to our journal.

Here at Epic Expeditions, adventure is constantly on our minds. 

Our blog – or Journal as we like to call it – contains epic trip stories, photo diaries, and news about new tours. 

Thanks for checking it out! 

What's new in the journal?

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Privacy Overview

Clark Tyler 🇨🇦

Adventure Guide

Hailing from the Toronto region of Eastern Canada, with a background as a former standout athlete (hockey of course) and a  love of mountain adventure, Clark is a welcomed addition to the Epic team.

In addition to being a keen photographer and adventurer, Clark brings his brilliant sense of humor, leadership skills, and positive attitude to everything he puts his mind to.  When he is not leading trips, he is working on taking over the hard apple cider game in Canada as a skilled craft brewer. 

Meet him during : K2 Base Camp Trek

Noemi Liebi 🇨🇭

Noemi grew up in the mountains of German-Speaking Switzerland where she naturally developed a deep love and respect for mountain environments.

She is a talented photographer, aspiring climber, and speaks at least 5 languages fluently including Arabic (and probably a few more that we don’t know about), which she taught herself in a matter of months by watching YouTube videos. 

Noemi has spent the last several years traveling, hiking, and photographing her way around many different countries in the Middle East, South and Central Asia, and Europe, and we could not be more stoked to welcome her to the Epic team! 

Meet her during : Discover the Celestial Mountains | Island Peak Climbing Expedition

Syerik Manap 🇲🇳

As our man on the ground in Mongolia, there is not much this legend can’t do. As a native the Bayan-Ölgii province of the Western Mongolia Altai, Syerik has been working as a guide and tourism entrepreneur…

for the past several years and is one of the rising stars in Mongolia adventure travel industry. 

He is currently building a beautiful Ger (Yurt) camp near his hometown where he will host Epic Mongolia team members on our trip as well as other travelers from around the world! 

He is the perfect guide for your trip to Mongolia. Serik did an amazing job giving us a well rounded experience in the Altai NP region and down in the Gobi… The food was fantastic and Serik gave us many opportunities to learn about the Kazakh culture in that region including traditional meals. (I can’t recommend enjoying the milk tea enough!)

– Coastal

Head of canine operations

Choriza started off life as a care-free vagabond on the streets of Madeira Island without any place to call home. From the moment we met her, we knew this dog was just different, and it was pretty much love at first sight. 

She gave up the dog street life in favor of joining her new dad Chris to become a full-time member of the Epic family towards the end of 2022.

These days she can be found listening in on the fringes of important Epic business meetings while half-asleep on the couch. She is a keen hiker, lover of mud, rare steak, and might just be the sweetest little dog we have ever seen. 

Andrew Golovachevn 🇷🇺

An experienced trek leader and IFMGA aspirant ski guide, avid alpine climber, devoted adventure photographer.

Organized and guided trekking expeditions, climbs and ski tours in Tajikistan’s Pamirs, Patagonia, Peru, Morocco, Nepal, Kyrgyzstan, Georgian and Russian Caucasus and Kamchatka. A full member and meets the organiser of the British Alpine Club. Visited over 40 countries, lived in the UK for four years. Certified first-aider.

We joined Andrew on a fantastic trip to the Fann Mountains in Tajikistan, pure nature and magnificent scenery! Andrey was super prepared and led us safely up and down numerous passes and through some rough and icy cold rivers. Thank you for a very memorable trip, your planning and prep was excellent!

– Monika Steinlechner

Meet him during : Trekking in the Fann Mountains

Sandip Dhungana 🇳🇵

Our man in Nepal, Sandip is what we like to call a “Swiss Army Knife”. There is not much Sandip can’t do when it comes to helping Epic to run our expeditions smoothly in Nepal.

His tireless work ethic, passion for all things trekking in the Himalayas, and smart decision-making mean that Sandip is a truly invaluable member of our team.

Sandip is passionate about showing visitors to his country an amazing time, and he goes above and beyond to make sure that happens. 

His company Himalayan Masters is Epic’s trusted partner in Nepal and one of the country’s top new tour agencies.

We really enjoyed the entire journey, and I would like to say that Sandip is truly professional. He guided us and he is a hardworking person, providing us with the best service and taking care of each one of us. Plus, he is super funny! The kind of professionnal you always want to find on your path for your explorations! 

– Alexandra Ruth

Fairy Meadows

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Our Favorite Experiences

#1 sunrise from reflection lake.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

#2 Hiking to Nanga Parbat Base Camp

#3 playing cricket with the locals, trips where we visit fairy meadows.

Our flagship Pakistani adventure tour.  Road trip with some  hiking and cultural immersion.

Intermediate

Trekking Among Giants

A trekking-style tour that features some very remote locations, inlcuding a K2 viewpoint.

João Frietas 🇵🇹

João has born in the mountains of Madeira Islands in Portugal. Nature lover, writer, musician, guide, for him, a day without contact with outdoor vibes is a nightmare. 

With a degree in Cultural Studies in Portugal and a Master of Arts in Global Cultures and Creativity in the U.K.

João found out what really matters in life can be found on the trails, and in the contact with people from different backgrounds and cultures.

Guiding, crazy trekking missions, and sharing observations about the natural world, – these are some of João’s passions. 

After trekking to K2 Base Camp and exploring all over Northern Pakistan, he fell in love with the country and the local people. His experiences resulted in his desire to share these feelings with the world.

João is one of the most experienced guides at Epic and his skillset and positive mindset in the mountains is second to none

When not in Pakistan, João is  guiding and exploring in the Madeira Islands trails –  discovering some of the hidden treasures on his Portuguese Island.

João I can not thank you enough for the off the beaten paths and views you keep giving. Definitely one of the most challenging and amazing hikes we did 1200m meters all the way up to Fanal forest and circling back to the hidden village. Wow!

– Jeffery 

Meet him during : Lost World of Europe | Discover the Hunza Valley   | K2 Base Camp Trek

Sohail Sakhi 🇵🇰

Sohail is the newest addition to the Epic team and we are beyond stoked to have him on board. As a veteran of the Karakoram and a native of Karimabad in Hunza, there is not much Sohail can’t do in the mountains. 

Besides having the ability to speak more languages than we can count, Sohail has explored every corner of Gilgit Baltistan and logs more trekking miles 

in a year than most people will do in a lifetime. As of the summer of 2022, Sohail has summited Gasherbrum 1, Gasherbrum 2, and K2 – three of Pakistan’s five 8000-meter peaks. Sohail guides several trips including our annual bespoke expeditions but specializes in Hunza Valley tours.

Chris and Sohail, and the team at Epic are FANTASTIC! Highly recommend anyone to do a tour with ‘Epic’. They have the perfect balance of fun, excitement and wild adventures, tied in with being super professional and ensuring your safety/health in a foreign environment. Don’t waste a moment and book a tour with these guys as the value for money is UNREAL!

– Borgan

Meet him during : Discover the Hunza Valley

Pedro Ricardo Dias 🇵🇹

Pedro’s been traveling all around the globe since 2009. His keen interests in documentary photography, rural life, and local people from different ethnic groups have been the focus of many of his professional projects. Since 2012, he has developed his passion for travel and awesome shared experiences into a full-time adventure photography tour leader position.

Pedro has found himself continuously going back to the Middle East, with his likely favorite destination being Iran. Pedro lead his 11th tour in Iran with Epic in spring 2020

When Pedro’s not traveling the world with Epic Expeditions, you’ll find him based in the western south of Portugal planning he’s next adventure missions, logistics and working out his photos in local exhibitions.

 I loved the combination of hiking, camping around breathtaking scenery mixed with the cultural aspects. The guide (Pedro) is knowledgeable and work very hard to make the trip as memorable as possible. All in all an epic adventure with some extremely epic individuals! Go for it, you won’t regret it!

Diane Bouvet 🇫🇷

Adventure Admin / Marketing

After fleeing from the corporate fashion world in Paris towards the start of 2020, Diane has been working as a web developer and graphic designer remotely from various bases across the globe

She brings all of her incredible design and organizational power to Epic Expeditions and is responsible for many of the beautiful behind-the-scenes design elements. 

Diane has been to Iran and to Pakistan twice including all over Gilgit Baltistan and KPK.

Ralph Cope 🇺🇸

Head of Operations | Guide

A veteran of Pakistan travel, Ralph is an experienced guide, photographer and writer who specializes in documenting remote locations. 

Not one to simply go where everyone else does, he insists on exploring new and lesser-known areas.

Together with Epic Expeditions, he shows people parts of Pakistan that most other operators don’t even know about. He is particularly fond of the village of Barah, which he believes will become just as famous as Hunza one day.

Just got back from EBT’s Trekking Amongst Giants 15 day tour. The experience was first class. Ralph, our head guide, ensured that the entire trip ran smoothly and relatively on time (a bonus for anyone travelling in Pakistan). We had so many unforgettable days on the tour and the trekking was well-planned, safe but also a rewarding challenge. 

– Calvin

Traveling to a non-tourist destination can be a little intimidating but EBT takes all of the worry and trepidation away. From the pre-trip call to meeting the wonderful staff in person you can tell that you are dealing with a company that has a passion for what they do each and every day. Ralph, Zahid, and Khan were supportive, kind, and always willing to go the extra mile to make sure that everyone on the trip was getting what they wanted out of the experience.

– Katrina 

Meet him during : Trekking Amongst Giants | Discover the Celestial Mountains | K2 Base Camp Trek

Chris Lininger 🇺🇸

Founder | Adventure Guide | Director

Since he started exploring the world, Chris has been seeking out every shade of adventure in various parts of the globe and had visited more than 70 countries along the way. 

Over the last 10 years, Chris has logged more than 7000 trail miles across five continents and climbed multiple 6000 + 7000 meter peaks in Pakistan and Nepal.

A few years back, a distant dream and a deep passion for the mountains and the people of Pakistan led Chris to co-found Epic Expeditions at a time when foreign adventure tourism in Pakistan was almost nonexistent. Since then, Chris has guided more than 20 expeditions to various parts of Northern Pakistan.

Chris believes in using photography and powerful adventure experiences to dismantle negative stereotypes regarding what mainstream media considers “dangerous” countries while facilitating unique and meaningful memories in the mountains for countless people from around the globe. 

For him, an ideal start to the day begins with a steaming cup of good coffee, the beam of a headlamp, alpine boots, and a camera in hand.

He lives in Madeira Island when not leading expeditions in far-flung lands. 

Chris also works as a writer and photographer on his blog Off the Atlas  –  an adventure travel blog all about Pakistan.   

Read this interview our staff did with Chris to learn more about him!

Chris believes in Pakistan and its people, and he believes in the value of journeys shared with others and family cultivated on the road. Honesty and integrity are at the heart of what he does, and this really shines through in his work as a guide. He also makes great coffee – whether at 5am in an empty guesthouse or half way up a Himalayan peak.”

– Will De Villers

Pakistan is a magical country!  Had 3 of the best weeks of my life thanks to Epic Backpacking Tours with owner, and one of our awesome guides, Chris. From detailed itinerary, preparation with an equipment list, and visa assistance. To amazing food, great porters, helpful guides, and great accommodations. Epic really hit home run after home run. […]

Their desire for adventure and amazing trip is just as high as yours. Bring a good pound of coffee for the trip. French press coffee every morning and no average tin coffee, plus you’ll be in your guides good books.

– Clark Tyler

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Trekking Insurance – Better Prepared Than Sorry!

News and Views , Resources

In this article we provide detailed information on travel and trekking insurance .

If you plan to trek at high altitude (up to 6,000 meters) then this article will provide accurate information on key hiking insurance considerations.

Anyone looking to undertake mountaineering activities (i.e. climbing with ropes, crampons or ice axes) should seek specialist insurance like that offered by the British Mountaineering Club . Please remember to read the small print on all policies before purchasing.

Disclaimer : We are not trekking insurance experts. The information provided below is based on our personal experience as well as from recommendations from other trekkers. Please seek professional insurance advice if you are uncertain of any policy wording or limitations.

Hiking Travel Insurance

Key considerations.

Below we have highlighted the five main trekking insurance considerations.

You can get a quote from World Nomads or SafetyWing .

1: High Altitude

Trekking in mountainous regions usually involves going to high altitudes. For example, if you plan to do an Everest Base Camp trek  or reach the summit of Kilimanjaro you will trek to an altitude above 5,500 meters. Many other popular treks get up to 4,500 – 5,000 meters.

At these altitudes, traditional travel insurance just doesn’t cut it. Some insurance providers will cover you up to 3,000 meters, which is great for the alps, but not the Himalayas , Kilimanjaro or Aconcagua .

Why do standard insurance packages not cover high altitude trekking?

The answer is simple: the risk of Acute Mountain Sickness (AMS), and its severe forms of cerebral and pulmonary edema, increase dramatically above 2,800 meters, as do the costs of emergency medical services and evacuation.

This means that you have to specifically select a trekking insurance package that will cover you at high altitudes. For places such as Nepal, Alps, Andes (e.g. Inca Trail treks ) or Africa (e.g. Kilimanjaro), we recommend you get cover up to 6,000 meters .

2: Hiking Accidents

It’s not nice to think about, but accidents do happen regularly on trekking expeditions. Mountains, even when not being climbed, can be dangerous. Falls, rock slides and health complications (e.g. a pre-existing heart condition) can result in serious injury or death.

Even basic injuries like a twisted ankle, can create complications in terms of evacuation at high altitude.

You should ensure that your travel and trekking insurance covers the cost of emergency evacuation or medical assistance should you need one or both on a mountain trek, as well as hospitalisation in whichever country you are hiking in.

3: Off Mountain Accidents and Illnesses

Off mountain accidents and illnesses are of course a risk – the most common being illness associated with gastro issues (hygiene standards are not great in many countries).

Your travel and trekking insurance should cover any accidents and illnesses that can occur whilst abroad.

4: Stolen, Delayed, Damaged or Lost Baggage

There is nothing worse than arriving in a new country only to discover that your baggage has been lost, delayed or damaged. This can be a particularly costly and irritating issue if you are carrying loads of expensive and much needed trekking equipment .

Thankfully, travel insurance policies now cover stolen, damage, delayed and lost baggage as standard. All you need to be aware of is the limit of cover should you be carrying very expensive items like specialist cameras and gear.

It is worth noting that if you are carrying very expensive items that the standard limit can be raised at a small additional cost.

5: General Travel Insurance Cover

Another major point when considering hiking insurance relates to the smooth running of your travel / tour. If for example your flight is delayed or cancelled, or worse, your tour is cancelled due to financial default of your tour operator, then you want to make sure your policy covers these issues.

Like lost, stolen, damaged and delayed baggage, it is pretty standard nowadays for a travel insurance policy to provide cover for flight delays, interruptions or cancellations, as well as curtailment, financial tour operator default and in some cases public liability, should you be involved in an accident and a claim is made against you (this often doesn’t include third party cover).

If you have any further questions or queries regarding trekking insurance, then please don’t hesitate to contact us. We will respond as soon as possible.

Tags : Trekking Insurance, Nepal Insurance, Kilimanjaro insurance, Trekking Insurance Nepal, Travel Insurance Nepal, Nepal Travel Insurance, Travel Insurance Trekking Nepal, high altitude trekking insurance, Machu Picchu trekking insurance, altitude trek insurance

See more hiking resources .

About the author 

Mark Whitman

Mark has trekked extensively in Asia, Europe, South America and Africa. He founded Mountain IQ in 2014 with the sole aim to be the best online information portal to some of the most popular mountain destinations around the world. When not writing for Mountain IQ, Mark is out exploring the outdoors with his wife!

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I am looking for trekking ins above 6000m and for a quote but would like to read policy coverage/excursions before purchasing and can’t figure out how to do so.

Hi Ashley, we are not an insurance provider. The article above is for information purposes only. For insurance coverage over 6000m I recommend contacting your national mountaineering society. For example, in the UK you would contact the British Mountaineering Association (BMA). They will be able to help direct you to a specialist insurance provider for high altitude mountaineering.

on 22.2.2019 I have my friend evacuated from Dengboche, due to HAPE – however, the insurance company decline to provide coverage due to my friend Diabetic Medical History.

My friend and 8 other members from Brunei were on their way to EBC – leaving lukla on the 16.2.2019. on the day of the evacuation, I coordinate the medivac. However, could not provide medical report to support for medivac by insurance preferred company or agencey – but, accept for alternative to use other helicopter services as suggested by Trekking Agent.

Today, we received a letter from the insurance company that they will not cover the medivac due to his Diabetic medical history and current treatment received at CIWEC referring to several clauses in the insurance policy.

Anyone familiar with insurance claim in High Altitude Medical Evacuation in association with current patient’s prevailing conditions. Your advice will be very much appreciated.

The evac was not due to a diabetic condition. So they can deny the claim if any pre-existing conditions exist? I have read a lot of reviews that World Nomads is a scam. I am heading to Annapurna Circuit in a few day and am also a diabetic but pretty healthy. Thanks for the tips. I will review the coverage/terms before buying a travel insurance.

Hi Alan, World Nomads is definitely not a scam. They are one of the largest travel insurance companies in the world. Nepal is a challenging insurance market due to the combination of high risks associated with high altitude hiking, and rampant corruption on the part of some dubious guides and helicopter companies. Effectively, some guides work in partnership with helicopter companies to arrange emergency evacs in situations that don’t warrant an emergency evac. The average evac cost is around $5000. The guide gets a kick back from the helicopter company for every evac they arrange. The issue has really effected genuine emergency evacuation situations as insurance companies are now constantly concerned that they are getting scammed. The lomng and short is that premiums have been driven up across the board and in some cases travel insurance companies have pulled out of Nepal completely.

We work with local guides to offer great value adventures at unbeatable prices

Hiking gears and review

10 Best Trekking Insurance That Covers Above 4000m

Life is an oblivious journey, and we never know what our fate awaits. But this doesn’t mean we should stop living our life to fullest. In this expedition of living life to fullest and quenching your passion, you have to make smart decisions. So it is always a wise decision to have your travel insured by insurance companies before you hit the trails.

Getting your trek covered and insured by insurance companies becomes more important when you are trekking in high altitude region. There are various threats and health challenges which come your way while hiking in high altitudes. These challenges don’t let you continue your journey further and sometimes cost you a fortune of the amount.

Most common risks faced by trekkers include sprains and broken bones. But there are many other unpredictable risks and conditions, which include altitude sickness, theft of belongings, food poisoning, attack by poisonous animals, allergy due to certain plants, appendicitis, and many other unwanted conditions, under which trekkers need emergency treatment and helicopter evacuation.

Relying on insurance companies lets the insurance companies carry your risks. When you are injured or ill in a remote location and cannot be on your feet, getting evacuated by helicopter is the only option.

There won’t be any excellent medical facilities and means of transport, other than a helicopter, available when you require it. And all of us know that hiring a helicopter costs fortune of the amount. So if you have the right travel insurance, they will cover your bills and also arrange for the emergency evacuation.

I have listed ten best trekking insurance that covers above 5000 meters. But before that let’s talk about the risks, you would want your insurance companies to cover.

Table of Content

Medical Insurance

Emergency evacuation, travel protection, baggage insurance, 10. world nomads, 8. columbus direct, 7. cover more, 5. simply travel insurance, 4. travel insurance direct, 2. travel insurance saver, 1. js travel insurance, the verdict, categories of risks covered by insurance companies.

Medical insurance covers any bills you might have from going to hospital abroad. Emergency medical conditions could run you thousands of dollars out of your pocket if you don’t have medical insurance covered. So this medical insurance acts as your financial backup against accidents.

This insurance policy pays if on an emergency condition you need to be airlifted to a hospital or have to be flown back home. These emergency conditions may be severe health issues, political situations or accidents.

This insurance policy reimburses the cost of your trip if for some reason your plan is canceled at the last moment. This policy covers the reservations you have made. Buy this insurance if you are someone who books everything earlier.

This insurance policy covers things you lost within the limits of the policy.

Considering the above categories, I have listed ten best trekking insurance that covers above 5000 meters:

• World Nomads
• Columbus direct
• Simply travel insurance
• Travel insurance direct
• Travel insurance saver
• JS travel insurance

World Nomad is one of the most trustworthy travel insurance available, which covers high altitude up to 6000 meters. It is simple and flexible travel insurance which you can buy from anywhere around the world.

World Nomads is designed by travelers for travelers; therefore their policies are very traveler friendly. They have a multi-lingual team which helps when you need it most by connecting travelers with medical treatment and transportation.

World nomads allow you to buy cover while traveling. They provide 24/7 emergency assistance with their multi-lingual team. Their policies also cover for 150 plus adventure activities which adds to more reason for adventurers to buy their insurance.

World nomads help connect their customers to projects run by established charities so that the travelers can donate to local communities if they wish to.

What is covered?

• World nomads covers for emergency medical transport by road or by helicopter (if available and medically necessary) to transfer you to hospital, suitable place of treatment or back to your country of residence.
• In case of repatriation, there’s the cover for reasonable additional travel expenses to get you home and further travel, accommodation, transportation and meal expenses for your fellow traveler to support you during your repatriation home if your condition is severe.
• In case of death, while on the trip, the repatriation cover includes either transportation of your remains home or the shipment of your ashes home.
• World Nomads covers for more than 150 adventure sports mentioned in their policies.
• World Nomads also cover for delayed and missed flights only if you have upgraded and paid an additional premium.
• High-value items are also covered, as per their conditions, if you have paid extra to increase the cover.

Travel guard, travel insurance offered by AIG, is another reliable and affordable insurance. Be it a two-day getaway, adventurous vacation or long international trips, travel guard fits the needs and budget of every traveler. Millions of travelers trust travel guard because of their reliable and helpful insurance service. One can buy insurance from anywhere online.

Travel guards insurance plan includes help with navigating canceled flights, coverage for lost bags, health emergencies, and medical treatments. One interesting thing about travel guard is that you can claim for the refund of the cost if you are not completely satisfied with their service. For this, the request must be submitted in writing by the travelers within 15 days of the effective date of coverage. But this service does not apply to the residents of New York.

Travel Guard offers three levels of coverage to their travelers. These three vary with the coverage levels and pricing. These three coverage categories are named as gold, platinum and silver level.

This one is ideal for family summer vacations. This category of insurance provides coverage for trip cancellation, medical and health expenses, lost luggage, delay in travel, severe weather, trip cancellation, strike, and medical evacuations. Children under 17 are covered at no additional coverage charge (excludes residents of New York).

• Platinum level

This package is ideal to the travelers who are looking for the package that includes the highest level of medical expenses coverage. This package includes cover for trip cancellation and delay, missed connections, lost baggage, medical expenses, emergency evacuation and repatriation of remains, accidental death, and dismemberment.

• Silver level

This package is ideal for general coverage for budget conscious travelers as well as business travelers. This insurance covers for trip cancellation, trip delay, lost baggage, medical expenses, emergency evacuation and repatriation of remains.

Columbus Direct is another leading insurance company which offers the best insurance deals to travelers. It was established in 1988 and has gained niche recognition and customer base in its service.

Columbus Direct covers over 150 sports and activities under their insurance deal. Another highlighting feature provided by this company is free airport lounge access in case your flight is delayed for more than 2 hours Columbus direct offers tailor-made and best policies to meet the needs of travelers.

The award-winning team of Columbus Direct provides 24-hour emergency medical assistance if travelers require it. Additionally, the claim process is also simple and straightforward.

Columbus Direct has also been voted ITIJ Insurance broker of the year in the year 2016.

• Their insurance covers free airport lounge access if the flight is delayed for more than two hours.
• Emergency medical and health expenses and hospital benefit in case anyone from your family gets hospitalized. It also provides physiotherapy benefits to travelers who need recuperation following an accident.
• Baggage and belongings are covered if lost, stolen or delayed in arrival.
• Compensation for missed departure and airline failure.
• Covers 150 plus activities, including scuba diving and more.
• Loss of passport and cash up to a certain price range.
• Unexpected cancellation of your holiday.
• Personal liability protection up to a certain value range.

Cover more is also another good choice you can make when it comes to travel insurance companies. They protect you if anything wrong happens during your trip. With over 30 years of experience in this sector, covering more is trusted by millions.

They provide high-quality travel insurance at an affordable price. The claiming process of cover more is easy and straight forward to handle without unnecessary hassles.

Cover more has a global team of travel experts who focus on the safety and well-being of travelers. They provide 24-hour emergency assistance as per the need of travelers.

Cover more offers various types of travel insurance. They include international, existing medical conditions, cruise, annual multi-trip policy, domestic, for seniors, adventure sports, cheap and ski & winter sports.

• Travel documents and luggage cover for valuable items such as laptops, cameras, mobile items, and other specified items.
• It provides medical coverage for overseas hospital, medical, surgical and emergency dental expenses. Cover more provides 24-hour medical assistance provided by their in-house medical team as per the need of policyholders.
• They cover travel delay and cancellation and also for additional accommodation.
• Covers for the expenses caused by accidents occurred while on the trip.
• Cover-More also provides coverage for rental car insurance.

‘Travel insurance for travelers, not for tourists’ is the motto of Itrek. They offer the best service at a competitive price range. They operate online and not through travel agents.

Itrek has quick and easy operation method. You can get covered via phone in less than five minutes. The claiming process is also straightforward in case any unexpected hazards and problems arise. Some small insurance claims are approved and paid even through a simple phone conversation.

Itrek provides cover for a longer duration, unlike other insurance companies. They can offer policies for up to 18 months. Additionally, Itrek covers many sports oriented and adventurous activities including scuba diving, camel riding, hot air ballooning,

Itrek provides 24-hour medical services as per their policies. They also offer emergency evacuation depending upon the gravity of the situation. Overall, Itrek makes its place in one of the brilliant insurance company by providing excellent service, price range, and efficient claiming process.

Itrek has 4 types of coverage policies, namely, Wanderer, trekker, adventurer, and pioneer.

This policy is targeted to serve budget-conscious travelers. It covers all the essentials like unlimited overseas emergency medical assistance, unlimited hospital expenses as well as personal liability.

This policy is suitable for those who need unlimited overseas emergency and hospital cover plus a little more protection. This policy also covers personal liability and cancellations.

This policy cover is excellent for travelers who want a high-level cover protecting them in most circumstances. This policy provides coverage for medical emergency assistance, unlimited hospital expenses, luggage and personal liability, cancellation fees, travel accommodation expenses as well as a family emergency.

This policy provides the highest level of coverage. It gives all unlimited medical benefits, returns airfare, coverage for luggage and personal items and more.

Simply Travel insurance is an independent Australian company based out of Brisbane. This travel insurance provides great options for travelers with the great price range. The policies of Simply travel insurance is split into different categories to serve and fit the requirement of various types of travelers. Some travelers need more coverage on medical expenses whereas there may be some who need coverage on adventure sports. So, simply travel insurance serves wide preference of customers.

Simply travel insurance also provides money back guarantee. Their policy is backed by 14 days cooling period.

Simply travel insurance has three simple categories of policies. They are comprehensive, budget and frequent traveler.

• Comprehensive

This category fits in for those travelers concerned with the highest level of coverage. The benefits of this policy include coverage for cancellation, luggage, medical and more.

The budget category is ideal for the travelers who are concerned only about medical incidents like accidents and illness. The budget category provides unlimited medical coverage as well as emergency evacuation.

• Frequent Traveler

This range of policy is designed especially for the people who travel frequently, more than once a year. This policy provides unlimited coverage for journeys of up to 90 days.

Travel insurance direct is another leading travel insurance company owned by Australian. Millions of Aussies trust it because of its service and policies. Travel insurance direct is CHOICE recommended because of their comprehensive cover policy.

The policies of Travel Insurance Direct provide timely medical help as per the need of travelers. They provide coverage for both domestic and international trips. Their policy is suitable both for business and leisure trips. They also offer flexible policies whether you are traveling single or without a partner.

Travel insurance direct provides ideal service to the people who want to explore the world and feel safe in the trip. We never know what may happen further in our journey to make a smart decision by buying travel insurance.

• Travel insurance direct provides coverage for 43 existing medical conditions.
• Above 100 sports activities are covered by the policy of Travel insurance direct.
• They also provide coverage for travelers going on a cruise.
• Your personal assets like phone, laptops, and cameras are also covered. Additionally, motorbikes and scooters rented on the go are also covered.
• Children traveling their parents or grandparents are also covered for free.

youGo is another great Aussie travel insurance which fits the needs of any categories of travelers. Whether you are planning to travel as a student, backpacker, individual, business traveler, boater, senior citizen, patient, family or a couple, youGo meets the need of all categories of travelers.

youGo offers high-quality travel insurance at a low-cost fitting with most itineraries. You can travel far and wide if you rely on this travel insurance. Whether you are traveling domestically or internationally, youGo provides worldwide cover.

youGo provides 24/7 assistance with their medical and another service team. Additionally, youGo offers medical benefits, emergency evacuation, cancellation options as well as luggage add-ons.

• youGo covers for your medical and dental expenses overseas. If you have to go through medical, surgical, nursing and ambulance expenses, youGo has a team of approved doctors who provide you with necessary treatment and medical evacuation.
• They also cover for the amendment and cancellation costs which may include non-refundable expenses, unused pre-paid tickets, hotels, tours, and other non-refundable expenses.
• youGo provides coverage for your luggage, travel documents and money. You can claim if any of these items get lost or stolen.
• youGo covers you in case of unexpected natural disasters like a volcano, tsunami, earthquake or other calamities. You need emergency accommodation, transport or evacuation in such cases to return back safely.

Travel insurance saver is also another great option of insurance to choose from. It is an Australian based company which provides 24/7 worldwide medical and emergency assistance. They have a team of trained medical experts and insurance specialists who offer help anytime as per the need of situation.

Travel insurance saves to offer a range of QBE products which displays when you enter your travel details. You can choose the appropriate policy which meets all your needs and budget range. They offer ranges of policies which includes comprehensive, backpacker travel insurance, value conscious and annual multi-trip policies.

The annual travel insurance policies of Travel insurance saver is available if you are a frequent traveler or if you are traveling for 12 months. Travel insurance saver serves to meet the needs and budget of their customers.

• The policies of Travel insurance saver automatically cover 32 medical conditions for free.
• They cover for the emergency assistance which provides 24/7 and 365 days. They coordinate emergency assistance to the travelers holding their policy if the policyholder becomes ill or injured.
• Cruises are covered for free by Travel insurance saver.
• They also provide a range of option to choose from which covers motorcycling overseas.
• Their policy covers dependent children for free.
• Travel insurance saver also provides the option to include snow and ski cove on your policy.
• They also cover you for the rental vehicle. It covers the cost of repairing for damage caused by accident, storm, fire or theft.

JS travel insurance is insurance company based on UK. It provides cover for the residents of United Kingdom, the Channel Island and the Republic of Ireland. This insurance is authorized and regulated by the Financial conduct authority.

Js travel insurance is good option for the travelers seeking to travel on the high altitudes. They cover treks up to 6000 meters of altitude. Higher the altitude, more risky it is to accomplish journey safely. So get yourself a back up in the form of insurance company.

JS travel insurance provides 4 categories of policies which fit into the wide range of travelers. They are standard, essential, essential plus and superior. All these categories vary in the range of coverage they provide.

This category of the policy provides coverage for the medical emergencies and personal liability of the traveler.

This category provides more coverage than the standard one. They include a medical emergency, personal liability, cancellation and curtailment, hospital benefits, delayed departure, missed departure and legal expenses.

• Essential Plus

This category of policy covers all the elements mentioned in the essential range. Additionally, it also covers for baggage and personal money.

This category provides the maximum amount and range of coverage. It covers for a medical emergency, personal liability, cancellation and curtailment, hospital benefits, delayed departure, missed departure, legal expenses, baggage, personal money plus the failure of the carrier.

When trekking in altitude we have to make sure that our insurance company provides all the emergency services when we require it.

My personal preference when it comes to the list of the travel insurance company which covers high altitude is World Nomads. They are one of the most trustworthy insurance companies providing the best and timely services when travelers require it. They provide timely emergency services and coverage for travelers seeking to trek in high altitude region.

Trekking in high altitude region calls for numerous risks. Therefore, having your trek insured becomes mandatory to cope with the risks that may arise during your journey. And that’s one job you can leave for the travel insurance companies to handle.

They ensure your safety during the emergency and risky situations that arise in your trek. There are numerous travel insurance companies around the world providing you cover during various risky situations. But, choosing the one that covers all the possible risks you could face during a high altitude trek is a must. So, you must take your time to decide the best because a wise decision now could save you a fortune of the amount later on.

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• Comprehensive coverage includes trip cancellation, trip interruption, and post-departure travel benefits
• Plan includes sports equipment rental, search and rescue, and non-medical evacuation
• Valid for US residents
• Coverage for 450+ sports and activities
• Emergency medical coverage
• Available for travelers up to age 65 at the time of purchase
• For high-altitude climbing (4,000' and above), guide services must be vetted and approved by Trawick International. This helps keep you safe by making sure your guide is licensed and knowledgeable about climbing. If your guide is not listed, please contact us at 800-661-0924 for a guide application.

This plan is only available U.S. Residents

Plan Highlights

• Trip Cancellation and Interruption for adventure travel
• Coverage for 450+ sports and activities.
• For high-altitude climbing (4,000' and above), guide services must be vetted and approved by Trawick International.
• Includes sports equipment rental, search and rescue, and non-medical evacuation
• Emergency Medical
• 10 Day Free Look Period

Benefits of Coverage

Plan definitions.

Provides reimbursement of insured, non-refundable, pre-paid trip costs if a trip is cancelled or interrupted for a covered reason*.

Coverage if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a covered reason* Covered Trip Delay Expenses include: (a) Any pre-paid, unused, non-refundable land and water accommodations; (b) Any Reasonable Expenses incurred; (c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip; (d) A one-way Economy Fare to return You to Your originally scheduled return destination trip is delayed for a covered reason*.

Provides reimbursement for lost and stolen personal items, as well as costs incurred due to baggage delay.

Any competitive team sport in which players or participants may have direct physical contact with an opponent. Bodily Contact Sports include but are not limited to: football, soccer, baseball, wrestling, ice hockey, rugby and lacrosse. Bodily Contact Sports do not include Extreme Sports, Interscholastic Sports, Organized Sports or Mountaineering.

Any athletic contest or competition between accredited educational institutions if the participants are sponsored by the educational institution and are under the direct and immediate supervision of an employee of the educational institution. Interscholastic Sports includes the practice or training for the competition and the travel to or from such practice or competition in a vehicle designated by the educational institution, both while under the direct and immediate supervision of an employee of the educational institution. Interscholastic Sports do not include Bodily Contact Sports, Extreme Sports, Intramural Sports, club sports or Mountaineering.

Any high-risk non-team sport or recreation activity that is dangerous and if performed optimally, even by the highly skilled, risks loss of life or limb. Extreme Sports often involve speed, height, a high level of physical exertion and/or highly specialized gear. Extreme Sports include but are not limited to: skydiving, BASE jumping, hang gliding, Parachuting, bungee jumping, caving, rappelling, spelunking, white or black water rafting above Grade 3, Skiing or snowboarding outside marked trails or in an area accessed by helicopter, Rock Climbing, any high‐altitude activity, personal combat or fighting sports, rodeo, racing or practicing to race any motorized vehicle, bicycle or watercraft, free diving, and scuba diving at a depth greater than sixty (60) feet or without a dive master. Extreme Sports do not include Bodily Contact Sports, Interscholastic Sports, Organized Sports or Mountaineering.

Winter recreation of snow skiing, snowboarding, or telemarking on Trail systems as accessed by a pre-paid use ticket for lifts and/or use or admission, but does not include cross country skiing, back country skiing, heli-skiing, extreme skiing, snowcat skiing, ski-jumping, off-piste skiing, tubing, luging, half-pipes, terrain parks, or other snow play activities either on or off Trails.

The sport, hobby or profession of walking, hiking, climbing and Rock Climbing up mountains that requires the use of ropes, harnesses, crampons or ice axes, or involves ascending beyond an altitude of four thousand five hundred (4,500) meters. Mountaineering is not a Bodily Contact Sport, Extreme Sport, Organized Sport or Interscholastic Sport.

The activity of climbing up, down or across artificial rock walls or natural rock formations under the supervision of a guide and utilizing approved safety equipment.

You may cancel this plan for refund by giving notice of cancellation to us, during the free look period. Most states have a 10 day free look period beginning the date the policy was purchased, but the State Certificate ultimately determines the timeframe of the free look period, if any.

• 60-day look back for Pre-Existing conditions
• Max Trip Length - 60 days
• Purchase to Departure - 18 months
• Bodily Contact Sports automatically covered under plan
• Interscholastic Sports automatically covered under plan
• Adventure Sports and Recreational activities are automatically covered under this plan

* Refer to the plan document for a list of covered reasons.

Benefits listed describe all of the travel insurance benefits, underwritten by Nationwide Mutual Insurance Company, Columbus, Ohio. In WA, coverage is underwritten by Nationwide Life Insurance Company, Columbus, Ohio and Nationwide Mutual Insurance Company, Columbus, Ohio. There are certain restrictions, exclusions and limitations that apply to all services and coverages. Plan benefits, limits, and provisions may vary by state. To review full plan details online, visit www.safetreker.com . You will receive your State specific Plan Document which describes the benefits and limitations in detail including available 24-hour non-insurance emergency assistance services.

Privacy Policy

Trawick International’s Privacy Policy

Welcome to our website.  We appreciate your interest in us.  We take the privacy of our customers very seriously and are committed to protecting your privacy. This policy explains how we collect, use, and transfer your personal data, and your rights in relation to the personal data stored by us when you use our website or otherwise engage with our services.

Effective October 3, 2023

This policy sets out the following:

• What personal data we collect about you and how;
• How the data is used;
• Our legal basis for collecting your information;
• Who we share your data with;
• Where we transfer your information;
• How long we retain your information for;
• Your rights and choices in relation to the data held by us;
• How to make a complaint in relation to the data held by us;
• How to contact us with any queries in relation to this notice, or the personal data held by us.

Who is Trawick International?

Trawick International (“we,” “us,” or “our”) provides worldwide travel medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance, and many other products designed specifically for those traveling.  Our travel insurance programs are designed for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.  We offer an extensive worldwide network of quality physicians, hospitals, and pharmacies.  We cover employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips, and just the casual vacation traveler.  Our individually customized plans can cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay, and lost baggage.   

For the purposes of European data protection laws, if you are visiting our  website www.trawickinternational.com (or otherwise engaging with our services from the European Economic Area (or "EEA"), the data controller of your information is Trawick International.

What is personal data?

In this privacy policy, references to "personal information" or "personal data" are references to information that relates to an identified or identifiable individual. Some examples of personal data are your name, address, email, and telephone number, but it may also include information such as your IP address and location in certain jurisdictions.

What personal data do we collect?

We collect personal data that you provide to us when you sign up for our services, such as your contact information and financial information. We may also collect commercial information based on how you interact with our services, such as the products or services you’ve purchased or other Internet or network activity, such as your website browsing history or mobile device information.

Below are some more details on the type of personal data we collect.

Information that is provided by you:

In order to provide services to you we may ask you to provide personal information. This may include, amongst other things, your name, email address, postal address, telephone number, gender, date of birth, passport number, bank account details, credit history and claims history, citizenship status, marital status depending on the service you are seeking. The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point at which we ask you for it or upon request.

Some of the information that you provide may be “special category” (or “sensitive”) personal data. Sensitive personal data relates to your racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation, and can sometimes be inferred from other, non-sensitive, information that you have provided.

Information that we collect on our website:

When you visit our website, we will seek your consent to collect certain information from your device. In some countries, including countries in the EEA, this information may be considered personal information under applicable data protection laws.

Specifically, the information we are seeking to collect includes information like your IP address, device type, unique device identification numbers, browser type, broad geographic location ( e.g., country or city-level location) and other technical information. We may also collect information about how your device has interacted with our website, including the pages accessed and links clicked.

Collecting this information enables us to better understand visitors to our website, where they come from, and what content on our website is of interest to them. We use this information for our internal analytics purposes and to improve the quality and relevance of our website to our visitors.

Some of this information may be collected using cookies and similar tracking technology, as explained further under the heading “Cookies" below.

Information that we obtain from third party sources:

From time to time, we may receive personal information about you from third party sources but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us.

For information about a third party’s usage and/or sharing of your personal data, please refer to the third party’s own privacy statement.

We may, where we are legally permitted to, also collect personal data from the following sources in order to provide services to you:

• Credit reference agencies;
• Anti-fraud and other databases;
• Government agencies;
• Electoral register;
• Court judgments;
• Sanctions lists;
• Family members; and
• In the event of an insurance claim: the other party to the claim, witnesses, experts, loss adjusters, solicitors, and claims handlers.

How is personal data used?

We may need to use your personal data in order to carry out the following activities:

• To set you up as a new client (including carrying out “know your customer” checks);
• To provide you with an insurance quote;
• To provide our products and services to you;
• To respond to your inquiries;
• To accept payments from you;
• To communicate with you about your policy;
• To renew your policy;
• To obtain reinsurance for your policy;
• To process insurance and reinsurance claims;
• For general insurance administration purposes;
• To comply with our legal and regulatory obligations;
• To model our risks;
• To defend or prosecute legal claims;
• To investigate or prosecute fraud;
• To respond to your enquiries; or
• To secure our network and our website, debug the website and repair errors;
• To conduct audits related to our interactions with you;
• To make our products and services better and to develop new products and services;
• To send you notices and information regarding our products or services, including notifying you about special promotions or offers, where we are legally permitted to do so; and
• Enforce our Terms and other usage policies and comply with legal requirements.

Our legal basis for collecting your information:

Our legal basis for collecting and using your personal data will depend on the personal data concerned and the specific context in which we collect it.

We will normally collect personal data where we need the information to provide you with our services / perform a contract with you, where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms, or with your consent.

In some cases, we may use your personal data for a legal obligation, e.g., in order to complete “know your customer” and money laundering checks before taking you on as a new client.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory (as well as of the possible consequences if you do not provide your personal information). You are under no obligation to provide personal data to us. However, if you should choose to withhold requested data, we may not be able to provide you with certain services.

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are.

If you are a UK resident, we may collect and use your personal information, including sensitive personal information, on the basis of the insurance derogation in the UK Data Protection Act 2018.

If you are an EU resident, we may collect and use your personal information, including sensitive personal information, on the basis of the substantial public interest of insurance purposes, as regulated in the General Data Protection Regulation (GDPR).

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information, please contact us using the contact details provided under the “Contact Us" section below.

Who is your personal data shared with?

We may disclose your personal information with the following categories of recipients.

• To our group companies, third party service providers and partners who provide data processing services (for example data hosting and storage companies, email marketing affiliates, and payment and claims processing companies) or who otherwise process personal information for purposes that are described in this Privacy Policy (see “How is personal data used?”).
• To any competent law enforcement body, regulatory, government agency, court or other third party where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person;
• To a potential buyer (and its agents and advisers) in connection with any proposed purchase, merger or acquisition of any part of our business, provided that we inform the buyer it must use your personal information only for the purposes disclosed in this privacy policy;
• To any other person with your consent to the disclosure.

We do not sell (or exchange) your personal information for monetary compensation.

If you are a US resident, from time to time we may share your personal information with third parties for a third party’s own direct benefit and this type of sharing may be considered a sale under certain applicable laws. For more information on the type of information we may share in this manner, please contact us.

International Transfers

Your personal data may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different to the laws of your country.

Specifically, the servers of Trawick International are located in the United States. Trawick International partners with many other international companies.  This means that when we collect your information, we may process it in other countries.

We have taken appropriate safeguards to require that your personal data will remain protected in accordance with this privacy policy. We have also taken appropriate  safeguards with our third party service providers and partners.

How long is personal information retained?

We will keep your personal data on our records for as long as we have an ongoing legitimate business need to do so. This includes providing you with a service you have requested from us or to comply with applicable legal, tax or accounting requirements. It also includes keeping your data for so long as there is any possibility that you or we may wish to bring a legal claim concerning our services, or where we are required to keep your data for legal or regulatory reasons. Please contact us using the contact details provided under the “Contact Us" section below should you require further information on our record retention procedures.

We may also retain your personal data where such retention is necessary in order to protect your vital interests or the vital interests of another natural person.

Your Rights as a Data Subject

You have the right to opt out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are an EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

Similarly, if we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information that was lawfully collected on grounds other than consent.

You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

You may exercise any of your rights in relation to your personal data by contacting us using the details set out in the “Contact us” section at the bottom of this page.

If you are resident in the UK or EU, your principal rights under data protection law are as follows:

• the right to access;
• the right to rectification;
• the right to erasure;
• the right to restrict processing;
• the right to object to processing;
• the right to data portability;
• the right to complain to a supervisory authority; and
• the right to withdraw consent.

If you wish to access, correct, update or request deletion of your personal information, we will ask you to provide us with a copy of any two of the following documents: Driver’s license; Passport; Birth certificate; Bank statement (from the last 3 months); or Utility bill (from the last 3 months). With regards to your right of access, the first access request will be complied with free of charge, but additional copies may be subject to a reasonable fee.

In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information.

If we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

Contact details for other data protection authorities in the European Economic Area, Switzerland and certain non-European countries (including the US and Canada) are available  here .

If you are based in the UK or EU, you may exercise any of your rights in relation to your personal data by contacting us using email or you can use the details set out in the “Contact Us” section at the bottom of this page.

If you are resident in the US, applicable law may entitle you, upon verifiable request, to receive disclosures relating to:

• The categories and specific pieces of information we have collected;
• The categories of sources from which the personal information is collected;
• The business or commercial purpose for collecting personal information; and
• The categories of third parties with whom we share personal information.

If you wish to exercise any of the rights described above, we will ask you to verify your identity. We generally will not charge to reply to your request, but we may charge a reasonable fee or refuse your request if the request is unjustified or excessive.

Automated decision making

In some instances, our use of your personal information may result in automated decisions being taken (including profiling) that legally affect you or similarly significantly affect you.

Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review. For example, in certain instances we may use automated decisions to establish whether we will propose insurance coverage to a prospective insured. We have implemented measures to safeguard the rights and interests of individuals whose personal information is subject to automated decision-making.

When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision.

As mentioned above, we may use your personal data to send you marketing materials.

If you are a UK or EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are resident in the US, you do not need to opt-in to receive marketing materials from us, and you have the right to opt-out of receiving such communications. If you would like to stop receiving marketing information from us, please unsubscribe by clicking the “unsubscribe” link in the relevant marketing email or contacting us.

Trawick International is committed to keeping our customers’ data safe. We have security measures in place designed to protect against the loss, misuse, and/or alteration of personal data under our control. Although we cannot ensure or guarantee that loss, misuse, or alteration of data will not occur, we use our best efforts to prevent this. If you have any concerns that your Trawick International account or personal data has been put at risk, please contact us.

Our sites use cookies (a small piece of information that is placed on your computer when you visit certain websites) to distinguish you from other users, to track your browsing pattern and to build a profile of how you and other users use our sites. This helps us to provide you with a good experience when you browse any of our sites and also allows us to improve our sites. If you have an online account with us, we also use cookies to recognize you to pre-fill forms to save you time. Trawick International does not mandate cookies for you to access our sites and you may freely set your browser to reject all cookies or prompt you to accept or reject them. Some of the cookies we use are session cookies and only last until you close your browser, others are persistent cookies which are stored on your computer for longer. We may collect information through web beacons about your web browsing activities such as the address of the page you are visiting, the address of the referrer page you had previously visited, the time you are viewing the page, your browsing environment, and your display settings. We do this in order to optimize your browsing experience, the use of web-based services and provide you with relevant information on Trawick International products and services when you have opted-in to receiving such correspondence.

We will not respond to Web browser “do not track” signals. If you would like additional information about online tracking and various opt-out mechanisms, please see https://youradchoices.com/

Because we may link to social media sites, and from time to time may include third-party advertisements, other parties may collect your personally identifiable information about your online activities over time and across different web sites when you visit this Site.

Please note that not all tracking will stop even if you delete cookies.

Children's Data

Our websites and applications are not directed to children under 16 and we do not knowingly collect any personal information directly from children under 16. If you believe that we are processing personal information pertaining to a child inappropriately, we ask you to contact us using the information provided under the “Contact Us” section.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws.

You can see when this Privacy Policy was last updated by checking the “effective date” displayed at the top of this Privacy Policy.

Any changes will be effective only after the effective date of the change and will not affect any dispute arising prior to the effective date of the change.

If you have any questions about this Privacy Policy, please contact us using the following contact details:

Post Office Box 2284

Fairhope, Alabama USA 36533

Toll Free Telephone Number: +1 (888) 301-9289

Terms and Conditions of Use

Important information.

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by Trawick International Inc., in any jurisdiction where such an offer or solicitation would be unlawful or in which Trawick International, Inc., is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times.

All products contain certain conditions, restrictions, limitations and eligibility requirements. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services. For complete terms, exclusions and conditions applicable to the products offered please contact Trawick International .

By using this website, you agree to the terms of its use. If you do not agree to these terms, PLEASE DO NOT USE THIS WEBSITE. For additional information or questions, please contact Trawick International or your independent insurance broker or agent.

TERMS & CONDITIONS OF USE

Effective Date: October 6, 2023

INTRODUCTION

THESE TERMS & CONDITIONS OF USE (“T&C”) GOVERN YOUR USE OF TRAWICK INTERNATIONAL, INC.’S (“COMPANY”, “WE”, “OUR”, OR “US”) WEBSITE LOCATED AT WWW.TRAWICKINTERNATIONAL.COM OR OTHER WEBSITES CONTROLLED BY COMPANY AND ITS AFFILIATES AS WELL AS ANY DOCUMENTS EXPRESSLY INCORPORATED BY REFERENCE AND ANY RULES AND POLICIES PUBLISHED ON THIS WEBSITE (THE “WEBSITE”).

BY ACCESSING THIS WEBSITE, YOU AGREE TO THE T&C, REVISIONS, AND MODIFICATIONS. ALL CHANGES ARE EFFECTIVE IMMEDIATELY UPON POSTING, AND APPLY TO ALL ACCESS TO AND USE OF THE WEBSITE THEREAFTER. ANY CHANGES WILL NOT EFFECT ANY DISPUTES ARISING PRIOR TO THE EFFECTIVE DATE OF THE CHANGE. WE MAY SEND YOU NOTICES WITH RESPECT TO THE WEBSITE IN VARIOUS MEDIUMS, INCLUDING BY EMAIL ADDRESS, POSTAL MAIL, AND/OR BY POSTING ON THE WEBSITE.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE “ARBITRATION AND CLASS ACTION WAIVER” SECTION BELOW, AND IF YOU DO NOT OPT-OUT AS SET FORTH IN THAT SAME SECTION, YOU AGREE THAT DISPUTES BETWEEN YOU AND COMPANY OR ITS AFFILIATES WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR ARBITRATION.

ACCESS TO THIS WEBSITE

To access the Website or some of its resources, you may be asked to provide certain personal details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete.

In addition, certain other services of the Website, such as applying for coverage, may be governed by additional or different terms and conditions. You should carefully review those terms and conditions as they are referenced and/or presented to you.

We reserve the right to withdraw, amend, disable or suspend this Website, and any service or material we provide on the Website, in our sole discretion with or without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of the T&C.

Your privacy matters to us. Your use of the Website is also subject to our Privacy Policy that is available online here (“Privacy Policy”) and is incorporated into and made a part of these Terms of Use. The Privacy Policy is subject to change, and you are encouraged to review the Privacy Policy whenever you supply the Website with any information because you agree that Company can collect, use, and share your information consistent with that policy.

RESTRICTIONS ON USE

You may use this Website only for your internal, non-commercial purposes. You agree not to use this Website in any way that violates any applicable federal, state, local or international law or regulation. You further agree to maintain and update your registration data as needed to keep it accurate, current and complete. You may not use this Website or any of the content, defined below, contained on it for any other purpose, including any unpermitted commercial purpose, unless we provide our prior written consent to such use.

Uses requiring our prior written consent include the following, without limitation:

• Co-branding this Website;
• Framing this Website;
• Using any robots, scrapers, spiders, data mining tools, or any similar device, tool, software, or process;
• Hyper-linking to specific product or coverage information; or
• Reselling or remarketing the content, as defined below.

"Co-branding" means displaying a name, logo, trademark or other means of attribution or identification of any party in a manner reasonably likely to give a user the impression that the other party has the right to display, publish or distribute this Website or its content. You will cooperate fully with Company and its affiliates in causing any unpermitted or unauthorized activity of yours or a third party authorized by you to cease immediately. To the extent that such unpermitted or unauthorized use continues after notice from Company or its affiliates, you agree to pay or reimburse us for any and all costs (including attorney fees if applicable) associated with ending or terminating such use.

You agree not to impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).

PROHIBITED USES AND ACTIONS

Additionally, you specifically agree not to:

• decompile, reverse engineer, disassemble, modify, reduce the Website to human perceivable form or create derivative works based upon the Website or any part thereof;
• disable any licensing or control features of the Website;
• “frame” the Website or any portion thereof or otherwise cause the Website or its contents to appear to be provided by anyone except Company and its affiliates;
• merge the Website or materials with another program or create derivative works based on the Website or materials;
• remove, obscure, or alter any notice of the copyright or other proprietary legends on the Website or materials;
• sublicense, assign, translate, rent, lease, lend, resell for profit, distribute or otherwise assign or transfer the materials or access to the Website to others;
• use the Website by means of any automated program, expert system, electronic agent or “bot,” and shall not give any person or entity access to the Website;
• utilize any “scraping,” copying, republishing, licensing, or selling the data or information on the Website.

PURCHASES AND PAYMENT

Company accepts a variety of payment methods as reflected on the Website. Before you can submit a request for purchase using the Website, you may be required to provide a valid card number and associated information for a payment card that you are authorized to use, including any of or all of the following: (i) your name as it appears on the card; (ii) the credit or debit card type, (iii) the card’s expiration date; (iv) any activation numbers or codes needed to charge your card; and (v) the billing address or zip code or postal codes associated with your card. You authorize Company and/or its affiliates, payment processor to use information you submit to charge your card or other payment method for the price of purchase requested, in addition to any taxes, fees, and charges as described in the T&C, at our convenience, including as early as at the time of the purchase request is submitted.

PROPRIETARY INFORMATION & TRADE SECRETS

The material and content accessible from this Website and any other website Company or its affiliates owns, operates, licenses or controls (the “content”) is the proprietary information of Company and its affiliates or the party that provided the Content to us, and Company and its affiliates or such party retains all right, title and interest in the content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, rented, leased, distributed, modified or transmitted in any way without the prior written consent of Company and its affiliates, except that you may print out a copy of the content solely for your own personal use. In doing so, you may not remove or alter, or cause the removal or alteration of, any copyright, trademark, trade name, service mark or any other proprietary notice or legend appearing on any of the content. Modification or use of the content, except as expressly provided herein, may violate Company’s and its affiliates’ intellectual property rights or a third party’s rights. Neither title nor intellectual property rights in the content are transferred or licensed to you by these Terms or your access of this Website.

Certain information provided to you by Company or its affiliates through non-public portions of the Website may be confidential or trade secret information. You may use or disclose such information only to the extent necessary for the purposes it was disclosed to you. You may not use the Website to circumvent the terms of any referral agreement or in any other manner that is not consistent with the business purpose of the Website. When reasonable, you must return or destroy such information when you have fulfilled such purpose.

INTELLECTUAL PROPERTY

Company and its affiliates (or the party that provided to Company) are the owner or licensee of all intellectual property rights on the Website (including trademarks, service marks and logos) and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved, and we or those parties retain all rights with respect to such respective marks. In accessing the Website you agree that you will access its contents and use it solely for your personal, non-commercial use. The Website, including its contents, may not be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

The Company’s name and logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Website, without prior written permission. You are not authorized to use our logo as a hyperlink to this Website unless you obtain our written permission in advance, although we permit you to use certain designated features of the Website to use our logo as a hyperlink for designated purposes. You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

Except as provided below, none of the materials of the Website may be copied, distributed, displayed, downloaded, or transmitted in any form or by any means without the prior written permission of Company and its affiliates or the intellectual property right owner. Unauthorized use of any materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and/or other regulations and statutes. If you believe that any of the materials infringe on any of your intellectual property rights or rights of others, please contact us immediately at the address provided below. Except as expressly provided herein, Company and its affiliates and the third parties reserve all rights with respect to the Materials, and may pursue all legally available options under both civil and criminal laws (and may cooperate with law enforcement agencies) in the event of any violations, including but not limited to the right to terminate accounts of any user who has infringed a third party’s copyright. Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to the Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL NOT RECEIVE A RESPONSE.

HYPER-LINKS

We may hyper-link from the Website to other websites that are not maintained by, or related to, Company or its affiliates. Such hyper-links are provided as a service to you, and the other websites may not be officially sponsored by or affiliated with this Website or Company and its affiliates. Such other websites are solely responsible for their content. We are under no obligation to maintain any link on this Website and may remove any such link at any time in its sole discretion for any reason whatsoever. Access hyper-links and third party websites at your own risk.

COMPANY AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE CONTENT OF HYPER-LINKED OR THIRD-PARTY WEBSITES. SUCH HYPER-LINKS ARE PROVIDED TO YOU “AS-IS” “WHERE IS,” AND WE SPECIFICALLY DISCLAIM ANY WARRANTIES WITH REGARD TO COMPLETENESS OR ACCURACY OF THESE HYPER-LINKS OR THE WEBSITES THAT ARE HYPER-LINKED TO THIS WEBSITE. THE INCLUSION OF ANY HYPER-LINK TO A THIRD-PARTY WEBSITE DOES NOT NECESSARILY IMPLY ENDORSEMENT BY OR AFFILIATION WITH COMPANY AND ITS AFFILIATES OF THAT WEBSITE.

SOCIAL MEDIA FEATURES

This Website may provide certain social media features that enable you to:

• link from your own or certain third-party websites to certain content on this Website.
• send e-mails or other communications with certain content, or links to certain content, on this Website.
• cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us and solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

• establish a link from any website that is not owned by you.
• cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
• link to any part of the Website other than the homepage.
• otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.

SUBMISSIONS

You hereby grant to Company and its affiliates the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display all stories, anecdotes, “Similes,” content, remarks, suggestions, ideas, graphics, inventions, methods, process, algorithms or other information communicated to us through this Website (collectively, the “Submission”), and to incorporate any Submission into other works in any form, media or technology now known or later developed. We may use any submission in our business (including without limitation, for products or advertising) without incurring any liability for royalties or any other additional consideration of any kind, and will not incur any liability as a result of any similarities to the submission that may appear in our future operations. By providing a Submission, you warrant that you have the right to provide the Submission and that all moral rights in the Submission have been waived.

COMPANY AND ITS AFFILIATES CANNOT AND DOES NOT GUARANTEE OR WARRANT THAT ANY FILES AVAILABLE FOR DOWNLOADING FROM THE INTERNET ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MAY HAVE CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR REQUIREMENTS FOR SECURITY, FOR ACCURACY OF DATA INPUT AND OUTPUT, AND FOR MAINTAINING A MEANS EXTERNAL TO THIS WEBSITE FOR RECONSTRUCTING LOST DATA. WE DO NOT ASSUME ANY RESPONSIBILITY OR RISK FOR YOUR USE OF THE INTERNET OR THE WEBSITE.

USE THIS WEBSITE AT YOUR OWN RISK. EXCEPT AS MAY BE EXPRESSLY STATED IN OTHER APPLICABLE TERMS AND CONDITIONS OR SIMILAR AGREEMENT, THE CONTENT IS PROVIDED “AS IS” AND "AS AVAILABLE" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY FUNCTIONS OR CONTENT CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE OF THE CONTENT OR RESULTS THEREOF IN TERMS OF ACCURACY, RELIABILITY OR OTHERWISE EXCEPT FOR THE PERSON AND/OR FOR THE USE INTENDED. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT COMPANY AND ITS AFFILIATES, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR THE CONTENT. WE MAKE NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

BY ACCESSING THIS WEBSITE, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES AS FOLLOWS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR."

The descriptions of products and services contained on this Website are intended to provide a reference guide to the types of products and services offered by Company and its affiliates and are not intended to be relied upon by clients or business partners. Some products and services referenced on this Website may not be available in all areas. Please contact us directly if you wish to obtain specific information concerning the products and services referenced on this Website. All of the information in this Website, whether historical in nature or forward-looking, speaks only as of the date the information was posted on this Website, and we do not undertake any obligation to update such information or to remove such information from this Website, if it is not or is no longer accurate or complete.

LIMITATION ON LIABILITY

TO THE EXTENT PERMITTED BY LAW OR REGULATION, COMPANY AND ITS AFFILIATES, ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER DAMAGES, INCLUDING LOSS OF USE, REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES THAT RELATES IN ANY WAY TO THE USE OF OUR WEBSITE OR WHICH MAY ARISE OUT OF ANY PERSON'S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS AFFILIATES AND ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO COMPANY OR ITS AFFILIATES FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, COMPANY’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH STATE OR JURISDICTION WHICH YOU HEREBY CONSENT TO.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Company and its affiliates, its subsidiaries, licensors, content providers, service providers, employees, agents, officers, directors and contractors (the “Indemnified Parties”) from any breach of these T&C by you, including any use of the content other than as expressly authorized herein, and any claim that your submission violates a third party’s intellectual property or other rights, including the rights of publicity and privacy, or defames a third party. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the content and this Website.

INFORMATION YOU PROVIDE

You may not post, send, submit, publish or transmit in connection with the Website any material that:

• you do not have the right to post, send, submit, publish or transmit, including any proprietary material of a third party;
• advocates illegal activity or discusses an intent to commit an illegal act;
• is vulgar, obscene, pornographic or indecent;
• does not pertain directly to the Website;
• threatens or abuses others; or libels, defames, invades privacy or stalks; or is racist, harassing, threatening or offensive;
• seeks to exploit or harm minors or older adults by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
• infringes any intellectual property right or other right of any entity or person, including violating anyone’s copyrights or trademarks, or their rights of privacy or publicity;
• violates any law or may be considered to violate any law;
• impersonates or misrepresents your connection to any other entity or person, or otherwise manipulates headers or identifiers to disguise the origin of the content;
• advertises any commercial endeavor (e.g., products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners or soliciting goods or services, or any combination thereof) except as may be specifically authorized on this Website;
• solicits funds, advertisers or sponsors;
• includes programs that contain viruses, worms, Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications or any combination thereof;
• amounts to a "pyramid" or similar scheme;
• disobeys any policy or regulations established from time to time regarding use of this Website or any networks connected to this Website; or
• contains hyper-links to other websites that contain content that falls within any description set forth above.

WE RESERVE THE RIGHT TO MONITOR USE OF THIS WEBSITE IN ORDER TO DETERMINE COMPLIANCE WITH THESE TERMS OF USE, AND RESERVES THE RIGHT TO REMOVE OR REFUSE ANY INFORMATION FOR ANY REASON. NOTWITHSTANDING THESE RIGHTS, YOU REMAIN RESPONSIBLE SOLELY FOR THE CONTENT OF YOUR SUBMISSIONS. YOU ACKNOWLEDGE AND AGREE THAT NEITHER COMPANY AND ITS AFFILIATES NOR ANY THIRD PARTY THAT PROVIDES CONTENT TO US WILL ASSUME OR HAVE ANY LIABILITY FOR ANY ACTION OR INACTION BY US OR SUCH THIRD PARTY WITH RESPECT TO ANY SUBMISSION OF YOURS. EXCEPT AS EXPRESSLY PROVIDED HEREIN, COMPANY AND ITS AFFILIATES AND THE THIRD PARTIES RESERVE ALL RIGHTS WITH RESPECT TO THE WEBSITE, AND MAY PURSUE ALL LEGALLY AVAILABLE OPTIONS UNDER BOTH CIVIL AND CRIMINAL LAWS (AND MAY COOPERATE WITH LAW ENFORCEMENT AGENCIES) IN THE EVENT OF ANY VIOLATIONS.

ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM COMPANY. Excluding claims for injunctive or other equitable relief, for all other claims related to the Website, including any goods or services purchased through the Website, any dispute or controversy arising out of or relating to this Agreement, including without limitation, any and all disputes, claims (whether in tort, contract, statutory or otherwise) or disagreements concerning the existence, breach, interpretation, application or termination of this Agreement shall be resolved by final and binding arbitration pursuant to the Federal Arbitration Act and in accordance with the JAMS Inc. Comprehensive Arbitration Rules & Procedures then in effect. There shall be no right or authority for any claims to be arbitrated on a class action basis. The arbitration shall take place in Fairhope, Alabama or at the option of the party seeking relief, by telephone, online, or via written submissions alone; however such election shall not prohibit Company from attending such an arbitration in person. Said arbitration shall be administered by JAMS. The arbitral tribunal (“Tribunal”) shall be composed of one arbitrator, who shall be independent and impartial. If the parties fail to agree on the arbitrator within twenty (20) calendar days after the initiation of an arbitration hereunder, JAMS shall appoint the arbitrator. The arbitration shall be conducted in the English language. The decision of the arbitrator will be final and binding on the parties, subject to all rights of appeal allowed by JAMS. Judgment on any award(s) rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have the authority to determine arbitrability of any disputes arising out of or relating to this Agreement. Nothing in this Section shall prevent either party from seeking immediate injunctive relief from any court of competent jurisdiction, and any such request shall not be deemed incompatible with the agreement to arbitrate or a waiver of the right to arbitrate. The parties undertake to keep confidential all awards in their arbitration, together with all confidential information, all materials in the proceedings created for the purpose of the arbitration and all other documents produced by the other party in the proceedings and not otherwise in the public domain, save and to the extent that disclosure may be required of a party by legal duty, to protect or pursue a legal right or to enforce or challenge an award in legal proceedings before a court or other judicial authority. The arbitrator shall award all fees and expenses, including reasonable attorney’s fees, to the prevailing party. Any judgment rendered by the arbitrator may be entered in any court of competent jurisdiction.

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If you are a consumer, the provisions in these T&C are intended to be only as broad and inclusive as is permitted by the laws of your State of residence. If you are a New Jersey consumer, the terms of “Disclaimer” and “Limitation of Liability” sections above do not limit or waive your rights as a consumer under New Jersey law and the provisions in this Agreement are intended to be only as broad and inclusive as is permitted by the laws of the State of New Jersey. In any event, we reserve all rights, defenses and permissible limitations under the law of your State of residence.

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The information contained on this Website is not an offer to sell or a solicitation to buy any security. No security is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.

SEVERABILITY

If any part of the T&C is unlawful, void or unenforceable, that part will be deemed deleted and will not affect the validity and enforceability of any remaining provisions. The waiver of a breach of any provision of the T&C by a party will not operate or be construed as such party’s waiver of any other or subsequent breach. The T&C constitute the entire agreement between you and Company and its affiliates relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Website will govern the items to which they pertain.

EMPLOYMENT OPPORTUNITIES

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For further information, or inquiries about the T&C, please contact:

Trawick International, Inc. Attn: General Counsel Post Office Box 2284 Fairhope, Alabama USA 36533 Toll Free: (888) 301-9289

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

NOTE: THE FOLLOWING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING THE SERVICE PROVIDERS REFERENCED BELOW THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

Pursuant to Title 17, U.S. Code, Section 512(c)(2), written notification must be submitted to the following Designated Agent/Service Provider:

Trawick International, Inc. Fairhope, Alabama USA 36533

Name of Agent Designated to Receive Notification of Claimed Infringement: Daryl Trawick

Full Address of Designated Agent to Which Notification Should be Sent: Post Office Box 2284 Fairhope, Alabama USA 36533

Telephone Number of Designated Agent: (888) 301-9289

To Be Effective, the Notification Must Include the Following:

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Kilimanjaro Travel Insurance – Do I Need it?

Yes, it’s mandatory to have travel insurance that covers you for high altitude trekking up to 6,000 meters if you plan to climb Kilimanjaro.

Due to the high altitude, remote location, and demanding conditions of a Kilimanjaro trek , travel insurance is compulsory for all participants. Anyone taking part in a Kilimanjaro climb will be required to show proof of insurance before the start of the trek.

A trip to Africa is a significant investment and having the right insurance policy can

help mitigate the risk you face should something go wrong.

Travel insurance may cover you in case of:

• unexpected trip cancellation
• trip interruption
• missed flight connections
• travel delays
• lost baggage
• other unforeseen circumstances, such as injury or family illness or emergency medical evacuation

When you take part in adventure activities, you may need specialized insurance.

Your travel insurance will need to cover medical expenses that could arise while traveling abroad. In the case of a Kilimanjaro climb, you’ll need to make sure that it covers you for medical evacuation too.

Unexpected injuries and doctor visits need to be covered, and emergency evacuation expenses should you need to be airlifted off the mountain. Those situations are rare, but they do occur and you need the proper insurance.

When purchasing travel insurance it is important you understand exactly what it does, and doesn’t cover. Most basic plans will offer basic protection for trip cancellation, lost bags, and delayed flights.

However, if you need coverage beyond that (medical expenses, evacuation, etc.) then you’ll likely have to purchase a higher-tier policy.

It’s important that whatever policy you choose also covers high altitude activities. That isn’t the case with every insurance plan, so be sure to ask for it specifically.

For climbing Kilimanjaro, explain to your insurance company that you are not taking part in technical mountaineering, but that you are high altitude trekking up to 6,000m.

We suggest you look at Global Rescue and see if their policies are right for you.

Disclaimer: we are not insurance experts. We do not give insurance advice, please consider your own situation carefully when you purchase insurance.

Kilimanjaro Medical Evacuation Coverage

To ensure you are covered for medical evacuation to your home country, you might consider a stand-alone medical evacuation plan.

This is in addition to your standard travel policy, that covers you for high altitude trekking.

Companies such as Global Rescue or Ripcord specialize in disaster recovery in the case of a medical emergency if you needed an airlift evacuation home.

Supplemental medical evacuation coverage is not mandatory, and you should consider what’s right for your unique circumstances, and what’s covered in your travel policy.

Does Health Insurance cover me for Kilimanjaro?

Most standard health insurance policies do not cover you for adventure activities abroad. It certainly w

on’t cover you for lost baggage or abandonment of your trip or cancellations.

Read the small print!

Take some time to read through exactly what your policy covers, and where you might have liability. Don’t wait until you need to make a claim, make sure you’re clear about what’s covered – and what’s excluded.

Make sure you disclose any pre-existing medical conditions, or it may void your policy.

Global Rescue for Kilimanjaro Travel Insurance

A lot of our clients use Global Rescue travel insurance. You can buy and claim online, even after you’ve left home.

Available to people from 140 countries, it’s designed for adventurous travelers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities.

9 things you should know about travel insurance from Global Rescue

[source: Global Rescue ]

GLOBAL RESCUE TRAVEL INSURANCE FREQUENTLY ASKED QUESTIONS

1. does global rescue have any restrictions.

Global Rescue offers one of the most comprehensive travel protection memberships on the market.

Membership benefits are not restricted by any activity, country of residence, or mileage-from-home limits. Our services go with you anywhere you travel except U.S. State Department war zones and Polar Region travel above the 80th Parallel North or below the 60th Parallel South.

For those adventuring to higher altitudes, our High-Altitude Evacuation Package provides medical transport services to members who travel above 15,000 feet or 4,600 meters at any point during their trip (excluding airplane travel) and who require emergency transport due to injury or illness.

2. What is field rescue, and do I need it?

When you are unable to get help on your own, emergency field rescue is assistance from the point of illness or injury to the nearest medical facility. Anyone venturing into the backcountry should have this critical service. Worldwide field rescue was pioneered by Global Rescue .

3. How do I contact Global Rescue in an emergency?

No matter your situation – emergency or not – you call just one number and one number only: +1 617-459-4200. This is the number you should program into your cell or satellite phone, but you can also contact us through the messaging feature on the My Global Rescue app.

4. If I need to be rescued, should I arrange my own evacuation?

No. Please call Global Rescue at the time of an incident and we will provide the necessary services from start to finish (if you are incapacitated, you can have a member of your team contact us). When Global Rescue organizes and/or performs the rescue and the Member Services Agreement criteria are met, there is no cost to the member up to $500,000. If you arrange for your own rescue, we are unable to reimburse members.

5. Will Global Rescue get me home if I’m hurt or injured?

Global Rescue membership services include medical transport to your home hospital of choice if you’re hospitalized as an in-patient 100+ miles from home and require additional hospital care.

6. What if my insurance offers medical evacuation services?

With a typical insurance company, you are burdened with arranging your own medical transport and submitting the bill later for reimbursement. As a member of Global Rescue , you simply need to contact our team of medical and security professionals, and, if an evacuation is needed, all transport arrangements and costs would be covered by us (medical up to $500,000, security up to $100,000).

7. Do Global Rescue’s services include COVID-19?

Yes. If members have questions related to COVID-19 or contract the virus while traveling, our services apply. We treat COVID like any other disease.

8. Is Global Rescue only for emergencies?

No. While Global Rescue provides a wide variety of emergency services, we also provide services for non-emergency situations such as: 24/7/365 medical advisory services, visa and passport issues, translation, legal locators, real-time event alerts and telehealth.

Disclaimer: Climbing Kilimanjaro staff are not insurance experts. We do not give insurance advice, please consider your own situation carefully when you purchase insurance.

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Trekking Travel Insurance

£10m emergency medical expenses - search and rescue included and £2m personal liability standard on ALL policies.

A GUIDE TO OBTAINING A QUOTE and PRE QUOTE INFORMATION -  questions answered

please ensure you select the correct activity level  for the sports you are insuring and that you insure the full duration of your trip from the UK including departure and return dates on your Snowcard policy - for downhill skiing you will need at least Adventure Plus or Max Adventure for snowboarding

If you have any questions or need guidance on selecting your policy - email [email protected]

N.B. Insurance policies available from this website can only be used by UK, Channel Islands and Isle of Man residents.

Levels of cover

Please start typing your activity in the box below. You are covered for all activities in the level you select and those in lower levels. If you are taking part in multiple activities, make sure you select the highest level that will cover all of your activities.

What is your most extreme activity?

Please check our full activity levels information table - if you cant find a match for your activity - let us know so we can add it.

IMPORTANT - for downhill skiing , you will need at least the Adventure Plus level of cover, do not select Adventure Basic for on and off piste skiing or snowboarding.

If you are taking part in an activity that might be considered out of the ordinary or you are travelling to unusual or remote destinations , please refer full details before proceeding and we will confirm if your trip can be covered.

Annual multi-trip insurance

Cancellation cover (if selected) starts when you book each trip or on the start date entered here and shown on your Insurance Schedule, if this is later. Cover under all other sections of the policy begins when you leave home to go on a trip and ends when you return home from that trip.  The start and finish dates of the trip must fall within the 12 month period of insurance. For trips booked during the 12 month period and that start after the end of the 12 month period, we will provide cancellation cover until the policy ends. Please note that annual multi-trip policies can not be purchased more than 2 months in advance of the policy start date and must be purchased in the UK before departure of your first trip. Cancellation cover commences from the policy start date you specify here.

Single trip limits

Winter sports limits on annual multi-trip policies

Single trip policies

You must insure the full duration of your trip and purchase your insurance before departing from the UK. If you have an annual policy with another insurer and you require higher risk cover with Snowcard for a short duration only, we CANNOT help topping up another insurers policy. You must insure your full trip duration with Snowcard for your policy to be valid.

If you select cancellation cover, it takes effect from the date of policy purchase until your departure date. The insurance for personal belongings, equipment and techno pack (if shown on your Insurance Schedule) is only valid if you have insured the whole duration of each individual trip and starts when you depart from the UK. If you have a Snowcard annual multi trip policy at a lower level of cover, you can purchase single trip top up cover  (medical and emergency expenses only) at a higher level for short durations.

The age band selected must be that of the person who is the lead insured name or the oldest person in the family or group. If a group member is older than 56+, it will be cheaper for the group if the older traveller is insured seperately. For persons aged over 75 contact  https://www.biba.org.uk  for advice.

For annual multi trip policies, use the age band applicable on the policy start date. For single trip policies, use the age band applicable on the date of departure.

Please note a family is 1 or 2 adults and up to 4 children up to the age of 18 – a couple is 2 persons married or living together as married – a group is 2 or more persons travelling together on the same holiday. 

To insure a minor <18 travelling alone, the parent must register their details but insert the name and age of the child when prompted to enter the name of the person to be insured.

Trekking and Hiking Insurance

Snowcard, are able to offer specialist trekking travel insurance for global worldwide destinations, discover our trekking holiday insurance today!

When it comes to buying trekking holiday insurance it is a constant and confusing challenge to find the specialist cover you need. General travel policies or insurances provided free with bank accounts or credit cards do not cover trekking at altitude or the associated search and rescue insurance needed for peace of mind and security in the mountains. Snowcard has been providing specialist activity holiday insurance and altitude trekking insurance since 1990 and is a market leader and first choice of cover for trekkers and hill walkers. Unlike other trekking travel insurers, Snowcard do not charge a higher fixed excess for heli-rescue.

Trekking and Altitude trekking insurance is not properly understood by most insurers who treat it like standard travel insurance.  At Snowcard we understand your complex and diverse needs and provide you with the ability to tailor your own trekking travel insurance policy allowing you to customise and choose your own cover limits for;

• Sports Equipment
• Techno Pack – Cameras and electronic equipment
• Cancellation cover
• Policy excess

As a leading specialist provider of trekking and altitude trekking insurance and unlike most standard insurers, we provide cover for a wide range of hill walking and trekking activities, which include;

• Fell running   
• Glacial crossing/trekking
• Hill walking
• Trekking up to 4000m in the greater ranges (e.g. Nepal, South America)
• Trekking up to 6000m in the greater ranges (eg, Everest base camp, Inca Trail, Kilimanjaro)
• Trekking peaks up to 7000m (as designated in the Himalaya, e.g. Island Peak, Mera Peak etc)
• Via ferrata     

Why take out Trekking and Hill Walking Insurance with Snowcard?

Trekking is testing both physically and mentally as well as being incredibly rewarding but sometimes things go wrong. Over the past 30 years Snowcard has assisted thousands of trekkers and hillwalkers with claims involving altitude sickness, broken limbs and illnesses brought on by being in remote mountainous areas around the world. We are one of the most experienced insurance providers of trekking holiday insurance in the UK.

Trekking adventures have many associated risks and with many year's of experience insuring trekkers, Snowcard has developed what we believe to be the best  trekking travel insurance  cover available in the UK. If you're trekking or hill walking then you can rest assured that Snowcard policies are tailor-made for you and are of the highest quality underwritten by specialist travel insurers, with many years of experience dealing with emergency rescue situations across the globe for trekkers and mountaineers.

We know that you may never need us, however, if you do it’s good to know we’re on hand should something go wrong with access to a 24/7 emergency assistance helpline regardless of where you are in the world.

At Snowcard we offer a personalised and tailored service, which we feel makes our trekking and altitude trekking insurance one of the best insurances you can purchase.

Staying safe whilst trekking

Even with specialist trekking travel insurance, it is understood that you should always adhere to mountain safety tips for a safe, challenging, and enjoyable trek. 

For more information on trekking and rock climbing safety -   10 Tips for Safe Trekking  - whether you're climbing, trekking, walking, or mountaineering enjoy your adventure holiday with the reassurance that you're covered with a specialist Snowcard policy.

If you would like to find out further information about our trekking holiday insurance then please get in touch with us by using our contact form or by email. Purchase your trekking travel insurance with Snowcard today!

Enjoy Your Adventure!

What does trekking travel insurance cover.

By purchasing Snowcard trekking travel insurance you will receive cover for the types of situations you are likely to encounter in the mountains. Snowcard insurance comes in 5 levels of cover, each covering progressively higher risk mountain sports and activities.

With Snowcard travel insurance, as standard you will receive medical and liability cover, £10 million for emergency medical expenses and £2 million for personal liability. All policies include search and rescue. You can also customise your insurance to cover personal belongings, sports equipment, electronics (techno pack), cancellation and travel interruption.

What Trekking Travel Insurance Do I Need?

Depending on the altitudes you are trekking to, you will need to select the appropriate level of cover. Here at Snowcard  we offer 5 levels of cover:

• Adventure Basic
• Adventure Plus
• Max Adventure
• Extreme Adventure
• Pro Adventure

Each option covers progressively higher risk trekking or climbing activities, the higher levels cover the higher altitudes. You can find out about the levels and activities they cover on the activities covered page.

What does Trekking Insurance cover?

see all activities covered

• 1300 409 322 Australian Based Call Centre

Hiking and Trekking Travel Insurance

The following information applies to policies purchased from 30th October 2023 onwards. For policies purchased prior to 30th October 2023: you can find the PDS relevant to you in your policy confirmation email, by logging into MyPolicy , or you can contact us for assistance.

Why do I need travel insurance for hiking and trekking?

Trekking to Everest Base Camp, Machu Pichu, Mont Blanc or Mount Kilimanjaro, tramping the Routeburn Track in NZ or taking on the Kokoda trail? Whatever your opinion is on what the best treks in the world are, you should consider taking out hiking travel insurance to cover you just in case your trekking expedition doesn’t go to plan.

While you can be as meticulous as you can in your preparations for your trek, there are situations you may not be able to control, including:

• Getting sick or injured before you leave for your hike.
• Getting sick or injured during your trek, including sprains, cuts, hypothermia, dehydration and altitude sickness.
• Bad weather or natural disasters preventing you from going on your trek.
• Your hiking gear and equipment being lost, stolen or damaged.

And that’s where travel insurance for hiking may be able to reimburse you for any out of pocket expenses that you incur in the event of an emergency.

Heads Up: While we appreciate the differences between trekking, hiking and tramping, to make things simple, we’ll be using the words “hike” and “trek” interchangeably on this page.

5 Things you should know about travel insurance for trekking

• Cover for repatriation: Travel insurance for overseas trekking includes cover for evacuation or repatriation , if required, in a medical emergency.
• Travel insurance for medical cover: Medical and hospitalisation cover can reimburse you for your medical expenses in case you’re unexpectedly sick or injured during your hike.
• Cover if you have to cancel your trek: Cancellation cover can be included in your travel insurance for your trekking trip and can protect the payments that you’ve already paid.
• High altitude cover: Cover  is available to hike up to 3000m. If that’s not enough, you can take out the Adventure Pack  for cover up to 6000m.
• 24/7 Emergency Assistance: Our Emergency Assistance team includes fully trained doctors and nurses who are here to help you 24 hours a day, 7 days a week.

Can I get trekking travel insurance with helicopter rescue?

For overseas treks, if you have a serious medical or life threatening emergency, your trekking travel insurance can cover for you to be evacuated to a hospital or safer location.

In these types of situations, you should contact the Emergency Assistance team to assist you and they will organise your evacuation if it’s required.

Helicopter rescue or evacuation is not covered if you’re hiking in Australia.

What is included in travel insurance for hiking?

Depending on the type of travel insurance and the add-ons you choose for your trek, you can have cover for:

Evacuation and repatriation in a medical emergency

If you’re seriously injured or sick while on your overseas hike, you can be covered to be evacuated to a hospital for treatment, or repatriated back to Australia if it’s deemed necessary.

Medical and hospital expenses cover

Getting sick or injured on your overseas trekking holiday is definitely not on anyone’s agenda. If you’re struck down unexpectedly, you can claim for the medical and hospital expenses that you incur.

Check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply*.

Cancellation of your trek due to unexpected and unforeseen events

The Cancellation benefit can reimburse you for the payments or deposits you’ve already made towards your trip, not just for the trekking tour itself, but also any flights and accommodation.

This means that you’ll have cover if you’re unexpectedly sick and not able to go on your trek, or if you must cut your trek short because you’re in an accident or become sick.

• High altitude trekking

We like a bit of adventure too, that’s why our policies  cover you to trek up to 3000m. But if you’re planning on trekking over 3000m or doing the Kokoda trail, the Adventure Pack Add-on can cover you to do high altitude trekking up to a maximum of 6000m.

You should be aware that this cover is available provided the trek you’re doing doesn’t require you to use specialist climbing equipment .

Luggage and personal belongings

You can have cover for the trekking accessories that you need for your trek (but not while you’re using them), including your hiking  backpack, sleeping bag and trekking poles up to $750 each, and your phone or camera to capture that all important selfie on the summit.

Disruptions to your trip

If you have to return home because you, your travelling companion or a family member back home is seriously sick or injured or natural disaster prevents you from continuing your trek, you can claim for the additional transport and accommodation expenses that you incur.

Valuable items

We know that hiking and trekking gear doesn’t come cheap. If you want to increase the cover on some of your hiking essentials, you can pay an additional premium to specify the value for them.

Theft of cash

If your cash of up to $250 is stolen from you while you’re on your hike or from a secure locked compartment, you can claim to be reimbursed for this loss.

Travel delay expenses

If your planned transport is delayed for more than 6 hours from the scheduled departure time, the travel delay benefit provides cover for your additional expenses including accommodation, food and taxi fares that may arise as a result of the delay.

Special event transport expenses

If you’ve booked to go with a trekking company and your booked transport is delayed or cancelled, which means that you’ll miss the start of your trek, you can be reimbursed for the cost of another mode of transport to get you there on time.

Loss of travel documents

If your passport, credit or debit card is lost, stolen or damaged, you can claim for the expenses that you incur to replace them.

You can also have cover for the extra travel and accommodation expenses that may arise if you’re prevented from continuing your travels because you needed to recover your travel documents.

Return ticket not required

Not sure how long you’re going to be trekking and travelling for? As long as you’re intending to return to Australia after that hike, you don’t need to have already booked a return ticket.

You can extend your policy and trek the world up to a maximum of 2 years!

What isn’t included in travel insurance for my trek?

Travel insurance for trekking can’t cover you for:

Professional hiking or trekking

We can only provide cover if you’re hiking or trekking as an amateur. If you’re hiking or trekking professionally or in a competition, our travel insurance for hiking may not be the right one for you. You should look to get cover from a specialist trekking company to provide you with cover.

Trekking or hiking with specialist climbing equipment

There’s no cover if you need to use specialist climbing equipment for your hike or trek, even if you’re bringing the equipment “just in case”.

Rental Equipment

There’s no cover for any equipment that you rent for your trek – you should check with your rental company if they’re able to provide cover for the rental equipment.

Mountaineering

Climbing mountains requires specialist climbing equipment, which isn’t something that we can provide cover for. You should look for cover for this type of trip with a specialist company.

Pre-existing medical conditions

If you don't complete a medical screening for your existing medical condition  at the time that you purchase your policy, or for new medical conditions or for changes to your health after you buy your policy and before you depart for your trip, there's no cover for your pre-existing medical condition.

Hiking over the altitude that you’re covered for

We cover you to hike or trek up to 3000m, and with the Adventure Pack , for trekking up to 6000m.

If you need travel insurance for hiking up to 4500m, and don’t take out the Adventure Pack, there’s no cover for any claims that may arise from you trekking between 3000m and 4500m.

There’s absolutely no cover if you go trekking over 6000m, as the maximum altitude that you’re covered for with the Adventure Pack is 6000m.

Not being able to hike because you don’t have a permit

Many popular trekking routes require you to have a permit to be able to participate, including trekking in Nepal , the Inca Trail (Machu Pichu) and the Kokoda Track .

If you’re turned away from your planned trek because you didn’t get a permit, there’s no cover for any expenses you’ve outlaid for the trip. A limited number of permits are released each year for some treks, so make sure you’ve secured one before you go!

Domestic policies only: medical and evacuation cover

If you’re hiking or trekking in Australia and you’re sick or injured during your hike, you’ll be able to use your Medicare and private health insurance. There’s no medical or evacuation cover under our Domestic Plus policies.

Am I covered if I need to use specialist climbing equipment for my trek?

No, trekking insurance can only provide you with cover if your trek doesn’t involve the use of specialist climbing equipment for any altitude level, even if you’ve taken out the Adventure Pack Add-on.

If you’ll be using specialist climbing equipment, you should look for a specialist company to provide you with the cover that you need for your hiking holiday.

Can I get travel insurance for hiking up to 3000m?

Yes you can! We cover you for hiking up to 3000m.

Is there trekking insurance over 4000m?

Trekking over 4000m requires the Adventure Pack to be added to your trekking travel insurance policy.

You can then have cover for trekking over 4000m and up to a maximum of 6000m.

Can I get trekking insurance up to 5000m?

Again, yes! Add the Adventure Pack to your trekking travel insurance for an additional premium and you can have cover to trek up to 5000m in altitude.  

How can I buy travel insurance for hiking up to 6000m?

Buying travel insurance for hiking up to an altitude of 6000m is easy: simply add the Adventure Pack to your hiking travel insurance policy.

When getting a quote online , you can add the Adventure Pack in the “Add Extras” section of the quote.

If you need help, send us an email to  [email protected] or call us on  1300 409 322 .

What type of high altitude travel insurance do I need for my trek?

There are many different hiking and trekking options around the world to suit any type of hiker. Before you embark on your trek, make sure that you do the necessary research to ensure that you’re physically and mentally fit to take it on.

Here are a few popular trekking destinations that you can consider, if our policies can cover you, or if the Adventure Pack is required:

Regardless of the level of high altitude trekking that you’re covered for, you can only have cover if the trek doesn’t involve the use of specialist climbing equipment, even if you’ve taken out the Adventure Pack.

Can I get hiking travel insurance in Australia?

We provide cover for hiking in Australia! With our highest peak of 2228m being Mount Kosciuszko, you won’t need the Adventure Pack (unless you want to do other activities like outdoor rock climbing). So, if you’re looking for travel insurance for trekking Mount Kosciuszko, hiking in Tasmania, the Blue Mountains, Snowy Mountains or any other hikes in Australia, our Domestic Plus policies can provide you with cover.

Travel insurance for hiking or trekking in Australia can cover you for:

• Cancellation costs you incur if you’re unexpectedly sick or injured and you’re unable to go on your hike.
• Disruptions to your hike because a family member back home is seriously sick and is hospitalised, or severe weather prevents you from continuing your hike.
• Rental vehicle insurance excess is covered up to $5000 if you’re hiring a rental car during your hiking trip.
• Travel delays of more than 6 hours
• Expenses to get you to a special event on time if your planned transport is unable to get you there.
• Your luggage, including hiking accessories.

Travel insurance for hiking in Australia does not provide medical or evacuation cover. If you’re injured or sick during your hike, you can use your Medicare or private health insurance.

Can I get travel insurance to do the Kokoda trek?

If you’re planning on hiking the Kokoda track, travel insurance for the Kokoda trek can provide you with cover if something goes wrong. While the altitude of the Kokoda Trail is under 3000m, it does still require the Adventure Pack Add-on.

Hiking the 96km Kokoda terrain is extremely challenging: you’ll be trekking in a rugged and remote location, ascending and descending very narrow jungle trails in high humidity, with very swift running rivers and streams. With that in mind, you should look for the best travel insurance for the Kokoda trek that suits you. You could also consider looking into the Kokoda trail tour companies which do the best Kokoda track tours for your situation, and the best time to do the Kokoda trail.

Can I get travel insurance for hiking Machu Picchu?

While hiking to Machu Picchu is undoubtedly the ultimate destination, the Inca Trail itself, with its ancient Incan ruins, settlements, tunnels, cloud forest and alpine tundra, certainly won’t disappoint.  

Whether you need travel insurance for trekking the Inca Trail or Machu Picchu, trekking insurance with the Adventure Pack Add-on can cover you for hiking the amazing Inca Trail to Machu Picchu.

What is the best travel insurance for Nepal Trekking?

If you’re looking for the best travel insurance for trekking to Everest Base Camp or the Annapurna Circuit, you should consider if the travel insurance policy for trekking in Nepal will be able to cover you for the type of Nepal trek that you’ll be doing.

Some things that you may want to be covered for include:

• Medical cover should you become unexpectedly sick or injured while on your Nepal trek
• Cancellation cover in case you’re not able to go on your Nepal hike due to sickness or injury
• Cover for your trekking gear
• 24/7 emergency medical assistance

Can I get travel insurance for trekking in Bhutan?

While a trek in Bhutan may not have the facilities as the more popular hikes around the world like Everest Bast Camp, treks in Bhutan can be a life changing experience with its scenic panoramas, unspoilt landscape and fewer hikers. Provided you take out a policy that will cover you for the altitude that you’re trekking to, you can have cover under your Bhutan trekking holiday insurance.

What is the best travel insurance for hiking Mont Blanc?

You’ll need to take out travel insurance for hiking over 4000m whether you’re planning to do a “glamp” trek up Mont Blanc in hotels or mountain huts (you can even opt for some vehicular support!), or toughing it out by camping. Mont Blanc has an elevation of 4808m, so the Adventure Pack is required to be added to your Mont Blanc trek travel insurance to ensure that you’re covered if something goes wrong.

Can I get travel insurance for climbing Kilimanjaro?

Yes, but with Mount Kilimanjaro soaring at an altitude of 5895m, make sure to add the Adventure Pack to your trekking insurance policy! Your cover gives you access to our emergency assistance team 24/7 just in case you’re sick or injured during your trek.

What is the best travel insurance for high altitude trekking?

All trekking holidays will be different for each traveller. The best trekking insurance for you is one which suits the type of trek that you’re planning on doing, including cover for high altitude trekking.

Some things to consider when looking for the best high altitude trekking travel insurance are:

• What the trek will involve, including altitude and distance
• What your particular circumstances are, including any pre-existing medical conditions
• The things that you think are important to have cover for, and may include medical, evacuation and cancellation cover

How can I compare trekking insurance?

When you compare travel insurance for trekking, you shouldn’t just look at the price of the trekking travel insurance, as the cover that they provide may differ between insurance providers.

To find the best value travel insurance for your trekking holiday, you should also check:

• The benefits that the trekking travel insurance policy can provide you
• If you need to complete a medical screening for your pre-existing medical conditions
• What can’t be covered on your travel insurance for trekking
• If the travel insurance for trekking is able to cover you for the type of trekking and other activities that you’re planning on doing
• If evacuation cover is provided when you do your trek overseas

It’s always a good idea to read the Product Disclosure Statement (PDS) so you understand what your policy can offer you.

When should I buy my travel insurance for high altitude trekking?

You can purchase your hiking or trekking travel insurance cover:

• Up to 12 months before you leave for your trek
• Up to the day that you board your plane to travel to your trekking destination

However, an important consideration is: what will happen to the payments that you’ve already made for your hiking trip if you can’t make the hike, or you have to cut it short due to an unexpected emergency? You may lose the cost of your hiking tour (if you’re joining one), airfares and accommodation if you don’t have cancellation cover on your trekking insurance.

So if you are unexpectedly sick or injured and you need to cancel the trek, you could be left out of pocket if you don’t already have your trekking travel insurance policy with cancellation cover in place.

You may wish to consider purchasing your hiking travel insurance with cancellation cover as soon as you book and pay for your flights, accommodation and tours to get the full advantage of the cancellation cover on your trek travel insurance policy.

Can I buy trek travel insurance direct from Fast Cover?

Yes you can! You can get a trek travel insurance quote by:

• Going to our website to get a quote
• Sending us an email to  [email protected]  with your enquiry
• Calling our friendly and helpful team to put together a quote for you on  1300 409 322 .

Hiking & Trekking Travel Insurance FAQs

I am hiking above 3000m, do i need to have a guide.

You do not need to have a guide even if you are hiking above 3000m .

However, to be covered for hiking above 3000m and up to a maximum of 6000m, you will need to add the Adventure Pack to your policy for an additional premium.

• Hiking at any altitude is only covered if specialist climbing equipment is not required.
• The Adventure Pack is NOT available with the Basics policy
• Benefit 10: Permanent Disability
• Benefit 11: Loss of Income
• Benefit 18: Personal Liability

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS) .

I am not hiking but my destination is more than 3000m in altitude. Am I covered?

As the location is more than 3000m in altitude , you would need to take out the Adventure pack for an additional premium to be covered for travel to this destination, up to a maximum of 6000m.

If I go hiking and can't get back, am I covered to be evacuated to a safer location?

If you are overseas and not able to get back from your hike due to a medical or life threatening situation, you would be covered to be evacuated to a hospital or safer location. Please contact the Emergency Assistance team, who will be able to assist you and organise evacuation if required.

If your circumstances are not due to a medical or life threatening condition, the Emergency Assistance team will review your situation and determine whether evacuation is necessary.

All claims are assessed on a case by case basis and will depend on your particular circumstances.

Cover is subject to the policy terms, conditions, limits and exclusions.in the Product Disclosure Statement (PDS) .

Are crampons considered 'specialist climbing equipment'?

Yes, the use of crampons for hiking and trekking would be considered specialist climbing equipment.

There would be no cover if you will be going on a hike or trek which requires the use of crampons.

For more information, refer to our Product Disclosure Statement (PDS) .

Am I covered for hiking up to Everest Base Camp?

You are NOT automatically covered. To obtain cover for hiking up to Everest Base Camp , up to a maximum of 6000 m, you will need to buy the Adventure Pack Add-on . This includes cover for altitude sickness and medical evacuation from the mountain if required.

Cover is subject to the policy terms, conditions, limits and exclusions.in the Product Disclosure Statement (PDS) ..

• Adventure Pack
• What we cover - Activities

What is considered specialist climbing equipment?

Specialised climbing equipment can include (but is not limited to) the following items:

• Crampons to walk over snow or ice
• Mountaineering helmet
• Mountaineering boots
• Gloves (other than cold weather protection gloves)
• Avalanche beacons
• Climbing using guides or ropes or rock climbing equipment
• Use of oxygen
• Carabiner - locking and non-locking types
• Belay device
• Rappel devices (descenders)
• Ice axe 
• Spinner leashes (minimise the consequences of accidentally dropping a tool) 
• Climbing Harness 

Our policies provide cover for hiking, trekking and tramping is automatically covered up to 3000 m, and up to 6000 m with the Adventure Pack , where specialist climbing equipment is NOT required.

What is the Adventure Pack?

The Adventure Pack provides certain cover for additional sports and leisure activities as listed below, which are not on our list of covered sports and activities. An additional premium applies.

• From time to time we  may add additional covered activities, if you cannot see the activity you  want cover for in this list, check the list on our website .
• Activities are not covered by your policy unless listed here or listed in the Covered Sports and Activities or on our website .
• Animal conservation and handling (under appropriate supervision)
• Animal / Sealife encounters (in a controlled, enclosed environment with a licensed operator, no killer whales and no free diving)
• Battle re-enactment (not with firearms)
• Boxing (basic training only, no sparring, no competition)
• Cave/river tubing
• Caving/potholing 
• Contact sports: basketball, rugby, Australian Rules football, American football, dodgeball, field hockey, water polo, hurling, Gaelic football, lacrosse, roller derby, and squash.
• Deep sea fishing with a licensed commercial operator up to 15 nautical miles off any land mass (for 1 or more overnight stays in Australia or 4 or more nights overseas, you must specify cruise cover)
• Diving underwater using an artificial breathing apparatus at a depth no greater than 30 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities; for 1 or more overnight stays in Australia or 4 or more nights overseas, you must specify cruise cover)
• Expeditions to or on the Kokoda Track/Trail
• Flying fox/zip lining
• Hiking, trekking or tramping, peaking at altitudes between 3,000 metres up to 6,000 metres (not higher) but only where specialist climbing equipment is not required
• Martial arts (basic training only, no sparring, no competition)
• Outdoor rock climbing (only with a licensed commercial operator and ropes and appropriate safety gear but not free solo climbing)
• Quad biking & recreational all-terrain vehicles (only single rider and no jumping, racing or competition)
• Rafting or kayaking in rivers or rapids graded IV or V under the International Scale of River Difficulty (but no competition or racing)
• Sandboarding
• Sailing from 10 to 15 nautical miles off any land mass (but not competition or racing)
• Segway tours
• Shooting moving targets, such as clay pigeons, only at a licensed commercially operated shooting range (not including any live targets, game hunting or safaris)
• Tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (you must be in tandem with an instructor licensed for these activities)
• Water skiing, jet skiing, speedboating, wakeboarding & tubing (must be with a licensed operator; no competition or racing; no stunts or jumping off ramps)

As each individual’s circumstances are different, our claims team will assess each claim on a case by case basis.

If I hike up to altitudes over 6000m, but have an accident below 6000m. Am I covered?

There is NO cover for hiking over 6000m, even if you have taken out the Adventure Pack .

You are automatically covered to hike up to 3000m only. To be covered to hike up to 6000m , you will need to take out the Adventure pack and pay the additional premium.

Whether or not you are covered for your accident depends on the altitude where the accident occurred:

• Accident occurred at an altitude over 6000m: If you have the Adventure Pack and the accident occurs at an altitude of over 6000m, this would not be covered as the accident occurred when you were at an altitude of over 6000m.
• Accident occurred at an altitude under 6000m and over 3000m: If you have the Adventure Pack, you would have provision to claim. If you do not have the Adventure Pack, you would not have provision to claim.
• Accident occurred at an altitude under 3000m: You would have provision to claim if you have an accident.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS)

^ Price as at 20/03/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

† Fast Cover has a referral arrangement with this company.

The entity that referred you does not act for Fast Cover and may receive remuneration from us. You can ask them or us for more details. Make sure any information listed in any quote provided remains accurate and if not, please change it on our website.

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Trekking (up to 6,000 metres) Travel Insurance

If you are planning a trip that includes the great challenge of Trekking (up to 6,000 metres), you must have a Travel Insurance Policy before you leave your home and start the Trek. Please Note: If you are going to be Trekking Kilimanjaro or

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If you are planning a trip that includes the great challenge of Trekking (up to 6,000 metres) , you must have a Travel Insurance Policy before you leave your home and start the Trek.

Please Note: If you are going to be Trekking Kilimanjaro or Trekking to Everest Base Camp , you must select these Activities on the quote page.

To contact us by telephone or email,  0800 043 0020 / 01273 092 757 [email protected]

• Summary of Cover

Top 10 Trekking (up to 6,000 metres) Travel Insurance FAQs

• Common Injuries

Pre-Existing Medical Conditions

Useful websites, summary of cover (per person).

* Excess  payable does vary depending on the claim benefit.

Please read the  Policy Wording  for the complete list of Benefits.

Healix Insurance Services Ltd, on behalf of Hamilton Insurance DAC, arranges this Travel Insurance policy for Jade Stanley Ltd. Healix Insurance Ltd is registered in England and Wales under No. 5484190 and authorized and regulated by the Financial Conduct Authority under No. 437248. Hamilton Insurance DAC is registered in Ireland No. 484148, authorized by the Central Bank of Ireland, and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in connection with their UK branch. Jade Stanley Ltd is registered in England and Wales under No. 03570857 and authorized and regulated by the Financial Conduct Authority under No. 306205.

1. Is this Policy covered by Search and Rescue, including Helicopter evacuation?

You will be Helicopter evacuated from the mountain under the Search and Rescue Cover of the Policy if it is medically necessary.

You will be covered for Medical Emergency Expenses up to £5,000,000 Once you have been evacuated from the scene and are treated in a hospital or clinic. 

2. Will I be covered for Repatriation if I must be returned to my home country due to illness or an accident?

Yes, all of our policies cover Repatriation costs if you need to be brought back to your Home Country, if the medical treatment locally is insufficient or if you cannot travel as a regular passenger on a commercial flight. This must be authorised by the  Medical Assistance Company beforehand.

3. Can I cover myself for my Trekking days if I already have a Single Trip or Annual Travel Insurance policy?

Yes, you can cover just the Trekking days of your trip. So, from the day you start trekking to the day you stop, not from when you depart the UK to when you return (this will often work out cheaper for you).

You must select Adventures Part A Only . This is popular for those who already have another basic Travel Insurance policy in place.

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You will be covered for Medical and Repatriation Expenses and Search and Rescue. This you should have on an existing policy. However, you will not be eligible for additional benefits such as Cancellation or Baggage. 

If you are already away and decide to go Trekking (up to 6,000 metres), you can buy Travel Insurance from us again. You must confirm in writing that you have no claims pending and the days you will be Trekking, and we can provide a policy for you.

4. Does this cover include Trekking to Everest Base Camp or Trekking Kilimanjaro?

No, this will not cover you for Trekking Everest Base Camp or Trekking Kilimanjaro even if you are Trekking (up to 6,000 metres); this is because both of these treks must be tour operated with a repeatable Trekking Company and must be stated on your policy. If you plan on Trekking either of these mountains, please select them in the list of activities so that you are fully covered.

See the list of Treks we have covered under this Policy: 

• Yala Peak (5,520 m) 
• Pokhalde Peak (5,806 m) 
• Annapurna Circuit (5,416 m)
• Manaslu Circuit (5,115 m)
• Langtang Valley Trek (4,984 m)
• Kanchanjunga Base Camp (5,160 m)
• Gokyo Ri (5,357 m)
• Upper Dolpo (5,250 m)
• Jabel Toubkal (4,167 m)
• Ouanoukrim (4,089 m 
• M'Goun (4,071 m)
• Inca Trail (4200 m)
• Baltoro Glacier - K2 - (3500 m)

5. Does this cover me to Trek above 6,000 metres?

This Policy would not cover trekking above 6,000 metres. However, our provider, Adventures, can cover up to  9,000 metres for treks like the Mera Peak .

When getting a quote, please select  Trekking 6,000 to 9,000m in the quote process.

6. Do you have to be Guided when Trekking up to 6,000 metres? 

You can Trek unguided on this Policy if you stick to known Trekking routes and are in a group; this  Policy will be invalid if you trek off the beaten path alone.

7. Am I covered for using ropes or crampons on this Policy?

No, this Policy will not cover you  if you use ropes and crampons; this would fall under Mountaineering, where you must use both equipment pieces. We can cover Mountaineering up to 4,500 metres . 

8. Do I need to provide any information to my Trekking tour operator?

Most reputable Trekking Tour Operators will ask for the following details listed before you start your Trekking adventure:

Once you have obtained a policy, you should share these details with the company immediately; if they forget to ask you, you know you have provided it to them early.

Please Note: If a Trekking company does not ask for insurance details, I would be a little suspicious of them; it is a prerequisite. 

9. What happens if I book my Travel Insurance and the Foreign and Commonwealth Office advises me not to travel to my destination?

When booking your trip or Travel Insurance (whichever is later), there must be no warnings against travel issued by the Foreign and Commonwealth Office (FCO).

You should stay updated with FCO advice whilst travelling, especially if you're moving between Regions or travelling to more than one country, since your Policy may be invalidated if you travel against FCO advice.

10. How can I avoid Altitude Sickness?

On the first day that you are at a high altitude, it is recommended that you keep excursions to a minimum.

Drinking up to 3 litres of water a day is also recommended.

If symptoms of Altitude Sickness appear, you may want to consider moving to a lower altitude.

Ask your doctor for more advice and information about Altitude Sickness Medication.

Top 10 Tips for Avoiding Altitude Sickness

11. When does Trekking become Mountaineering?

Usually, when you start crossing glaciers, use crampons and ice axes and climb steep faces. It's essential to know the difference when trekking ends and Mountaineering begins.  

Common Injuries 

Trekking up to 6,000 metres is a fantastic experience, but you should be aware that air becomes thinner and oxygen becomes less available, which can lead to Altitude Sickness.

Dehydration and Muscle Injuries can happen, and you should always trek at your own pace and not over-exert yourself.

If you have a pre-existing medical condition and wish to have this included in the Policy for Trekking to 6,000 metres, we can provide you with a policy.

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Related Pages

• Trekking Kilimanjaro Travel Insurance | JS Insurance
• Trekking Everest Base Camp Travel Insurance | JS Insurance
• Trekking Morocco Travel Insurance | JS Insurance
• Trekking Nepal Travel Insurance | JS Insurance

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JS Travel Insurance is the trading name of Jade Stanley Limited, 5 Chapel Mews, Waterloo Street,Hove, East Sussex, BN3 1AR, Telephone: 0800 043 0020 . Jade Stanley Ltd is authorised and regulated by the Financial Conduct Authority. FCA Registration number is 306205

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Avoiding Altitude Sickness: How to Enjoy the Mountains Safely

By Megan McCrea

At last, you’ve arrived in Cuzco, Peru — you’re ready for your dream trek to Machu Picchu. There’s just one problem: You can barely catch your breath, your stomach is churning and, in the morning, your head is throbbing.

The culprit? Altitude sickness, or in medical terms, acute mountain sickness — the various symptoms tied to your body’s response to the higher altitude. As elevation increases, air pressure drops, meaning you get less oxygen from each full breath. It is temporarily uncomfortable for most people, but in extreme cases, severe altitude sickness can even be fatal.

It sounds scary, but as Paul Nicolazzo, the president of Wilderness Medicine Training Center said, “There’s really no reason to be afraid of going to altitude, as long as you understand what you’re up against, and you obey some very, very basic rules.”

Know the symptoms

A.M.S. has four general symptoms: headache, gastrointestinal discomfort (nausea and lack of appetite), fatigue/weakness, and dizziness/lightheadedness.

Many people experience the morning altitude headache, in which “your skull feels too small for the pulse that’s coming,” said Steve House, the founder of Uphill Athlete , a company that offers high-altitude endurance coaching.

It is also common to struggle with sleep at high altitudes. This occurs partly because the part of your nervous system responsible for keeping you awake has kicked in to increase your respiratory rate, Mr. Nicolazzo said.

Pay attention to elevation

The two main drivers of A.M.S. are how high you’re going and how fast you’re getting there. People with a higher altitude sensitivity might start experiencing challenges not far above 5,000 feet, say in places like Denver and Johannesburg. Anyone traveling above 8,000 feet may be at risk for altitude sickness, according to the Centers for Disease Control and Prevention .

Serious adventure travelers — say, those trekking in the Himalayas, or climbing Mount Kilimanjaro — usually know they’re headed for high altitudes. But the elevation of destinations like Mexico City (about 8,000 feet), the summit of Haleakala on Maui (10,023 feet), Cuzco (about 11,150 feet), or even Santa Fe, N.M. (6,996 feet), might come as a surprise. To set expectations, check your destination’s altitude in advance on Google Earth or the U.S. Geological Survey national map viewer .

Listen to your body

If you have a condition like heart disease, heart failure, high blood pressure, high cholesterol, atrial fibrillation, lung disease, C.O.P.D., asthma or sleep apnea, you’ll want to start paying close attention to how you’re feeling at around 5,000 feet.

If you have a pre-existing condition or have had trouble with high altitudes before — or if you’ll be going above 10,000 feet — consider visiting a specialist, who can help you prepare and may be able to advise you about the main drugs used to prevent and treat altitude sickness, Diamox (acetazolamide) and dexamethasone.

Sleep your way up

Traveling to high altitudes is a little like running a marathon: It will go better if you build up to it.

Say you’re headed to a high-altitude ski resort. Consider working your way up from a lower sleeping elevation to a higher one, since the critical factor — for altitude purposes — is where you spend the night.

If you’re traveling from sea level to Breckenridge, a Colorado ski town that sits at about 9,600 feet, first spend a night in Denver, at 5,280 feet, advised Dr. Peter Hackett, the founder of the Denali Medical Research Project and a high-altitude specialist. By doing so, he explained, “you drop the incidence of headache by almost half. So that little bit of extra time that you take to get to 9,000 feet to sleep can make a big difference.”

Skip that fatty steak

When Mr. Nicolazzo worked as a ski patroller, there was a behavior so common — and certain to exacerbate altitude illness — he remembers that local lodges posted warnings about it. People would fly in from sea level, he recalled, drive to the ski areas around Taos, N.M. (which is itself at 6,969 feet), “have a big steak, baked potato with sour cream and a lot of butter,” along with several cocktails. Then, they would feel terrible the next day, he said.

To avoid that feeling, trade the steak and extra butter for something with more carbohydrates, as fats and proteins take more oxygen for your body to metabolize.

And if you’re having a cocktail, keep it to one: Alcohol and other depressants can decrease your oxygen level, particularly while you’re sleeping, Dr. Hackett said.

Above all, drink plenty of water. Staying hydrated will help your kidneys work better, Mr. Nicolazzo explained, which can help you adjust to the altitude and, hopefully, avoid the headache.

Watch for red flags

A mild case of A.M.S. can become moderate or severe if someone ascends too high or too fast. Most — but not all — people progress through the mild symptoms before reaching this level, which includes symptoms like dizziness, disorientation, severe nausea and extreme shortness of breath.

To guard against severe A.M.S., monitor how you feel, and if you’re experiencing a persistent headache, trouble sleeping or other A.M.S. symptoms, tell your companions and don’t ascend any higher.

At the severe end of the continuum, if not treated, A.M.S. could progress into high altitude pulmonary edema , in which fluid builds up in the lungs, or more rarely, high altitude cerebral edema , where fluid builds up in the brain. Both conditions can be fatal.

“There are three cures for altitude illness,” Mr. House said, “descent, descent and descent.” Anyone who appears confused, is coughing up fluid or seems to have trouble breathing or walking — symptoms of severe conditions like HAPE or HACE — needs to be taken down immediately, Dr. Hackett said. “Just a thousand feet is all they have to go. And that could save their life.”

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