Hiking and mountaineering insurance provides coverage for people who'll be mountain climbing or hiking while abroad. Mountaineers and hikers of all skill levels are at risk to the dangers of climbing, especially those traveling overseas to famous mountaineering destinations.
Mountaineering travel insurance benefits cover injuries incurred from mountain climbing. Many travel insurance policies exclude mountaineering and other adventurous activities from the plan benefits. Because of this, it's important to select a policy with mountain climbing coverage or one that has a hazardous sport rider.
In addition to mountain climbing injuries, mountain climbing travel insurance also includes emergency medical evacuation coverage, surgery, emergency hospital visits, and repatriation benefits, among other policy benefits.
Mountain climbing insurance and hiking insurance policies usually specify the maximum elevation the plan will cover. For example, if you're 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 travel insurance for hiking.
Top Mountaineering and Hiking Destinations:
Who Needs Mountaineering & Hiking Insurance?
People who will be partaking in any of the following activities should purchase a policy with mountain climbing coverage:
- Mountain climbing
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