Mountaineering and Hiking Insurance

Mountaineering and Hiking Insurance

Mountaineering and Hiking Insurance provides insurance coverage for people who will be mountain climbing or hiking abroad. Mountaineers of all skill levels are at risk to the dangers of climbing, especially those traveling overseas to famous mountaineering destinations such as Kilimanjaro, the Andes Mountains, and Mount Everest.

Travel insurance with mountaineering benefits covers injuries incurred from mountain climbing. Many travel insurance policies strictly exclude mountaineering and other adventurous activities from the plan benefits, which is why it is important to select a policy with mountain climbing coverage or a hazardous sport rider to ensure that you're covered in the case of a mountaineering accident. In addition to mountain climbing injuries, travel insurance for mountaineers also includes emergency medical evacuation coverage, surgery, emergency hospital visits, and repatriation benefits, among other policy benefits.

Travel insurance policies usually specify the maximum elevation the plan will cover. For example, if you are injured while hiking at 15,000 feet, and your policy only covers hiking injuries up to 14,000 feet, your claim may be denied. Be sure to consider the elevation of your mountaineering trek when purchasing a travel medical insurance policy.

Who Needs Mountaineering & Hiking Insurance?

People who will be partaking in any of the following activities should purchase a policy with mountain climbing coverage.

  • Mountaineering
  • Mountain climbing
  • Hiking
  • Trekking

Why Do You Need Mountaineering Insurance?

  • Covers mountaineering injuries
  • Covers medical & emergency evacuation in case rescue is needed
  • Provides AD&D benefits in case of death
  • Offers repatriation coverage in case of death

AI Atlas International Insurance

Underwriter: Lloyd's
Eligibility
  • For US and non-US citizens traveling outside their home country (excluding USA and Australia)
  • Up to 364 days of coverage
Plan Highlights
  • Covers mountaineering injuries that occur below 7,000 meters
  • Up to $1,000,000 policy maximum
  • Covers up to $1,000,000 for emergency medical evacuation
  • Covers up to $50,000 for AD&D
  • Covers up to $1,000,000 for acute onset of pre-existing conditions

AA Atlas America Insurance

Underwriter: Lloyd's
Eligibility
  • For non-US citizens traveling outside their home country
    (excluding Australia)
  • Up to 364 days of coverage
Plan Highlights
  • Covers mountaineering injuries that occur below 7,000 meters
  • Up to $1,000,000 policy maximum
  • Covers up to $1,000,000 for emergency medical evacuation
  • Covers up to $50,000 for AD&D
  • Covers up to $1,000,000 for acute onset of pre-existing conditions coverage
  • Covers up to $5,000 for trip interruption

DA Diplomat America with Adventure & Hazardous Sports Rider

Underwriters: United States Fire Insurance Company
Eligibility
  • For non-US citizens traveling to the United States
  • Up to 1 year of coverage
Plan Highlights
  • Covers up to $500,000 for emergency medical evacuation
  • Covers up to $50,000 for return of remains
  • Covers up to $1,000,000 for AD&D (with optional enhanced benefit)
  • Covers up to $5,000 for trip interruption
Optional Benefits:
  • Low and high coverage options (under or over 14,000 feet) for mountain climbing
  • Enhanced AD&D benefit rates
  • Enhanced political and natural disaster evacuation benefit