Hiking & Trekking Insurance

If you experience an emergency, you could be covered for search and rescue, catastrophe, personal accident, medical expenses abroad and more, provided you have followed local advice to avoid unnecessary risks.

No, you are covered for both guided and self-guided treks provided you take reasonable precautions to avoid unnecessary risks and follow local advice.

You are covered for trekking for the duration of your policy period. If you select an annual policy you will need to choose the right level of cover (Bronze, Silver or Gold) if you need insurance for longer trips.

Please refer to our policy documents for a full list of exclusions, but these typically include:

• Travel to a country or region to which the Foreign, Commonwealth & Development Office (FCDO) has advised against all travel or all but essential travel.
• You’re traveling against the advice of a qualified medical practitioner.
• You’re traveling specifically to get medical treatment.
• You’re aware of a pre-existing medical condition that could reasonably be expected to lead to a claim.
• The claim is related to something you knew about when booking the trip and could have reasonably expected to lead to a claim.
• You’re under the influence of alcohol or drugs that weren’t prescribed by a doctor, or you’re abusing prescribed drugs, and there’s enough evidence to show that this contributed to an accident, injury, illness, or a criminal act.
• You’re dealing with mental illness, anxiety, or depression, but aren’t receiving treatment from a medical professional.
• You’re participating in sports or activities at a professional level.
• Exceeding an altitude of 7000m when trekking.

We cannot cover for technical ascents under our Trekking Travel Insurance. Should you plan on using equipment such as ice axes, crampons etc, then you will need to purchase our Mountaineering Insurance. Use of equipment can only be covered for trekking if it is for emergencies only.

For any restrictions you will need to take the advice of local authorities. If they have advised against taking a specific route, for example, you may invalidate your cover for this activity if you ignore this advice.

No, our high altitude hiking insurance covers up to 7000m. Everest Base Camp is 5,364m, while Kilimanjaro’s peak is 5,895m, so if you’re travelling to these, you’ll be covered as part of our policy.

Yes, provided you are within 150km of the nearest habitation and have followed any local advice.

There is no specific altitude that you need high altitude hiking insurance from, however we offer coverage up to 7000m, so unless you’re planning on hiking to higher altitudes, you’ll generally be covered.

If you have a Sports Travel policy, you won’t need to extend the policy unless the extension of a trek delays your departure date.

If you’ve purchased an Activity Top Up policy, then simply call us to extend an existing policy or purchase additional days online.

Yes, our hiking travel insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.

Standard travel insurance policies do not always cover hazardous sports.

Our trekking travel insurance is specifically designed to cover over 500 high risk activities such as paragliding, skateboarding, ski-acrobatics and many more.

If you need to pay for trekking permits and fees for your trekking activity but you experience an illness or injury, which means you can no longer participate, you could be covered under activity fees.

There are no exclusions for using these tools, provided you have taken reasonable precautions to avoid unnecessary risks and follow local advice.

If the travel advice is not to travel to a specific country, this could invalidate your cover. You must follow any advice and updates from the Foreign Office to ensure you are fully covered.

Yes, you are covered for trek training provided the activity is within the data of your policy.

Whilst we can cover you should you deviate from a recognised route, we do advise that you take every precaution necessary to reduce the chances of a claim. If this means staying on a recognised path, then we urge you to do so.

Should a path involve a technical ascent, then you will need to change your cover to include Mountaineering.

We offer cancellation and curtailment cover as part of our policy, which can cover up to £5,000 depending on your level of cover.  This covers the irrecoverable loss of unused transportation and accommodation expenses, and unused activity fees that you incur if forced to cancel, cut short or delay a pre-booked trip as a result of specified causes such as your death, injury, illness or redundancy, or that of your relative, partner, fiancé(e), business colleague or any person with whom you had arranged to travel, or where subsequent to booking your trip the FCDO change their advice to advise against all travel, or against all but essential travel at the commencement of, or during your trip.

It also applies where an airline cancels your flight and alternative travel arrangements are not available which would enable you to arrive at your destination in time for you to attend at least 50% of your planned Activity.

Yes, provided you take reasonable precautions to avoid unnecessary risks during the activity and follow local advice.

Yes, our policy covers you in the event you need search and rescue teams, provided you have taken reasonable precautions. You are covered for up to £10 million for an air ambulance, except in Nepal whereby you are limited up to £5000 for a helicopter call-out, and an applicable excess of £750 will be applied.

Yes, if you need medical attention after suffering from altitude sickness, this can be covered under medical expenses.

No, you are covered for both day hikes versus multi-day expeditions if the activities are within the dates of your policy and provided you take reasonable precautions to avoid unnecessary risks and follow local advice.

Yes, our policy covers you in the event you need search and rescue teams, provided you have taken reasonable precautions. You are covered for up to £10 million for an air ambulance, except in Nepal whereby you are limited up to £5000 for a helicopter call-out, and an applicable excess of £750 will be applied.

Yes, these will be covered with sports equipment for theft, damage and loss.

Our policies will cover anyone up to the age of 74 at the time of purchase. An applicant aged 75 or over cannot be covered.

Yes, you are covered to trek in a charity event for the benefits listed on your policy.

You can select the maximum height level you need for your trip, when you get a quote.

Choose from:

Trekking up to 2500 metres

Trekking up to 4500 metres

Trekking up to 7000 metres

Make sure you select the height that’s suitable for you, different levels will affect the price and your cover, if you need to make a claim.

Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover. This add-on not only protects your own equipment, but also any equipment you hire during your trip. It also covers your trekking equipment in transit to and from your destination.