TREKKING & HIKING INSURANCE

Standard travel insurance policies do not always cover hazardous sports. Our Sports Travel Insurance is specifically designed to cover over 500 high risk activities such as paragliding, skateboarding, ski-acrobatics and many more.

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.

Yes, our Trekking 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.

You can purchase our Trekking Insurance online up until 74 years old. Above this age, you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.

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

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.

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.

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.

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

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.

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.

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.

No, our trekking policy 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.

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 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.