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Trekking Travel Insurance

If you are an adventurous traveller who likes the challenge of trekking in new places, you’ll understand the importance of your safety. Trekking travel insurance gives specialised coverage you don’t get with basic travel insurance policies, to make sure you are protected no matter where you are.

When you are in remote and unfamiliar areas a simple slip or injury can become dangerous quickly without the right help. But trekking insurance can offer assistance with medical costs and even helicopter rescue coverage so you can adventure with confidence and peace of mind. 

Compare with us and get a travel insurance trekking policy that covers all your needs.

Trekking Travel Insurance UK

When it comes to trekking, there are a few key things that mark the difference between low risk walking or hiking that is covered on standard travel insurance, and what activities require specialised trekking travel insurance UK coverage. 

You’ll usually require specialist cover for:

  • Trekking, touring or mountaineering – These are distinguished by their remoteness, altitude and the strenuousness of the activity.
  • Altitudes over 2,000 meters (6,562 feet) – More specifically, trekking is considered by most insurers to be over these altitudes.
  • Multi day treks – If your journey requires overnight stays in accommodation or camping.
  • Organised high altitude treks – Treks are more often taken by guides and in groups.
  • Using specialist equipment – If you need this you probably need trekking travel insurance.

Cheap Trekking Travel Insurance

Travel insurance trekking policies are usually more expensive than basic travel insurance. But this cost reflects the real increased risks to you, your health and your personal safety when you are trekking.

No one wants to overpay for insurance when you could be spending the money on your travels. But while it might be tempting to downplay your trek to get cheaper insurance, honesty is key.

Being honest with your insurer not only makes sure you get comprehensive coverage and accurate quotes, but also saves you from the possibility of being solely responsible for medical bills, personal liability, and even legal expenses in the event of an accident.

Factors influencing the cost of your trekking travel insurance

Several factors can affect the cost of your trekking insurance premium, including:

  • Your travel destination – Insurers will look at the likelihood of accidents and claims in the area you are travelling to. 
  • Your age – Older individuals typically pay higher premiums as they are more likely to claim. 
  • Any pre-existing medical conditions – Specific medical conditions can increase insurance costs.
  • The coverage type you need – Choose between single trip or annual travel insurance based on your travel frequency and activity involvement.
  • The altitude of your trek – Ensure your policy covers the altitude you plan to reach.
  • If your trek is on recognised routes – Some insurers limit coverage to recognised routes, so make sure to review the policy wording.
  • If you need search and rescue cover – Check if helicopter rescue is included and under what conditions it’s available.
  • If you’ll be in company or alone – Some insurers only cover trekking as part of an organised group trek.

As with any insurance, comparing quotes is a smart approach to save money on your trekking travel insurance. Comparing trekking travel insurance with us can help you find coverage that matches your activities and budget.

Is trekking covered by standard travel insurance policies?

Standard travel insurance usually doesn’t cover trekking if it is going to be the primary purpose of your travels. They generally only cover low risk leisure activities like camping, sightseeing, or swimming. So even your hiking might be limited to particular distances or altitudes on these policies.

What altitude is covered by trekking insurance?

Trekking insurance often comes with altitude restrictions, and it’s crucial to be aware of and adhere to these limitations or you could invalidate your insurance policy completely.

Specific elevation restrictions vary between different insurers. But as a general guide, these are commonly sold as:

  1. Low altitude trekking travel insurance up to 2,000 meters (6,561 feet) – Examples would include the Cotswold Way in England.
  2. Moderate altitude trekking travel insurance from 2,000 to 4,000 meters (6,561 to 13,123 feet) – This could cover the Tour du Mont Blanc in the Alps. 
  3. High altitude travel insurance for trekking up to 6000m (19,685 feet) – Examples would be the Inca trail to Machu Picchu in Peru, the Everest base camp in Nepal or the Kilimanjaro summit in Tanzania.
  1. Extreme altitude trekking travel insurance beyond 6,000 meters (19,685 feet) – This could cover the Aconcagua trek in Argentina or even the Mount Everest summit. 
What is covered under trekking travel insurance?

A hiking travel insurance policy has the benefit of covering all the standard travel insurance benefits while addressing the elevated risks of trekking. Specialised trekking coverage also commonly offers options for add-ons like cover for your trekking equipment or helicopter rescue.

Hiking travel insurance UK policies usually cover:

Travel concerns
  • Cancellation and curtailment – Safeguards non refundable expenses in case of trip cancellations or needing to cut your journey short. 
  • Delayed baggage – Provides for essential items if luggage is delayed over 12 hours.
  • Missed and delayed travels – Offers compensation for expenses involved with these.
Health coverage
  • Medical expenses – Assists with emergency medical treatment and related costs.
  • Repatriation – Ensures return to the UK for medical needs or in case of death.
  • Personal accident – Covers injuries leading to death, limb or sight loss, or disability.
Financial and possession protection
  • Personal liability – Covers third party damages you’re responsible for.
  • Lost documents – Includes expenses for replacing lost vital documents.
  • Property and money loss or theft – Covers against lost or stolen luggage, belongings or cash.

Your adventure should begin with finding the right trekking insurance cover. We’re here to simplify the process by quickly comparing over 30 UK travel insurers so you can explore with peace of mind.

Get a quote now at Quotezone.co.uk and kick off your trekking travels with confidence and security.