3 Best Trekking Insurance Providers: Climb to New Heights

Trekking, hiking, and mountain climbing can be one of the most exhilarating activities for nature lovers. Climbing to new heights, taking in the mountains that tower above us, and feeling a sense of peace and freedom as we trek into the unknown. However, with anything that is so amazing in life, there are also risks associated with trekking, climbing and mountaineering. That is why it is essential to get insurance for trekking. Trekking insurance will protect yourself and your family in case of an emergency. 

Not everyone is aware of the benefits of getting insurance before you go trekking, however, it can pay huge dividends, if you end up getting hurt unfortunately. Whereas, your insurance policy may cover your accident while hiking if you have trekking insurance. Moreover, some countries, like Nepal, require you to get insurance to go trekking in the Himalayas.

Insurance for your Nepal trekking adventure will help cover you and protect you, before and after your climb. If you are new to the idea, and not sure what trekking insurance is all about, have a look at our blog that covers the ins and out of getting insurance as a trekker.

In this article we are going to provide information for the best travel insurance and review the best policy providers for trekking, climbing and mountaineering insurance!

Insurance for Trekking – Stay covered with your insurance policy

Trekking, hiking and mountaineering insurance provides policies that will keep you covered while trekking and climbing mountains abroad. This is extremely important as depending on where you are climbing you can be at great risk of accident, or medical concerns, like high altitude sickness.

Trekking insurance policies cover individuals that are traveling and trekking in different countries around the world for high altitude trekking. Whereas, normal travel insurance, or health insurance usually does not cover individuals after they surpass a certain elevation. The elevation that an individual is covered to, depends on their particular insurance provider. Many policies however, will not insure the hiker once they climb past 14,000 feet above sea level (4,267 meters above sea level). 

Regular insurance policies for traveling and personal, also tend to not cover trekking and mountaineering at higher elevations. This is because it is such a high risk activity, that they can not afford to cover individuals engaging in such risky activities such as climbing to high elevations. 

Therefore, don’t you think if the insurance providers know how risky trekking and mountaineering is, it would be in your best interest to get trekking insurance to protect yourself?

What does Trekking Insurance Cover?

Trekking insurance will cover an array of different issues while you are climbing. Some of the issues that Mountaineering insurance will cover include:

  • Trekking and mountain climbing injuries
  • Emergency medical evacuation
  • Surgery (resulting from accidents during your mountaineering experience)
  • Emergency hospital visits
  • Repatriation Expenses
  • Personal Liability
  • Baggage and Personal Effects
  • Lost or stolen technology gadgets
  • Legal Expenses
  • Missed Flight Connections

It is important to note that what is included in your trekking insurance depends on which company you decide to get covered by. Therefore, it is imperative that you check your policy and its fine print to understand what it covers and doesn’t. As well as, to what extent it will insure you as a trekker!

For example, some trekking insurance providers will not cover you in certain countries or above certain elevations. Therefore to ensure you won’t get denied coverage after an emergency, make sure to understand your entire policy, and to ask questions if need be.

Why Do You Need Trekking Insurance?

Trekking insurance is important for two main reasons. One, it will protect you from any unforeseen emergencies while trekking that may result in hefty financial implications. The second reason is that some countries make it mandatory to have trekking insurance to be able to hike in certain restricted areas.

Mountaineering insurance will provide you with peace of mind while you are traveling and climbing mountains around the world. Whereas, it will protect you if a medical emergency occurs, if you find your flights delayed or canceled, and if your bags, or belongings go missing or get stolen. Being covered by a trekking policy will help you protect yourself financially, so you don’t have to stress about your climbing trip if something happens.

Best Hiking Insurance Providers

The information below highlights our top three choices for trekking insurance. We must insist that you look through the policies and what they cover before you purchase any trekking insurance. Whereas, it is important that you know 100% that the trekking insurance will cover your climbing trip and all other activities you plan on engaging in before you purchase the insurance.

Our top three choices for trekking insurance are:

1. World Nomads Trekking Insurance:

World nomads insurance

Our first choice of trekking insurance is World Nomads travel insurance. It is one of the best policy providers for travelers looking to get involved with adventure sports, including trekking at high elevations. Whereas they provide coverage up to 22,965 feet (7,000 meters) above sea level, making it perfect for trekkers looking to hike some of the tallest mountains in Nepal and the rest of the world. Moreover, the trekking insurance also covers an array of other adventure sports, making it easy to enjoy all the different activities you love while traveling Nepal and other countries around the world.

Some of the adventure sports and other activities that World Nomads’ hiking insurance covers include:

World Nomads’ Trekking Insurance Covers the Following Adventure Activities:

  • ATVs
  • Backpacking
  • Ballooning
  • Bungee jumping
  • Cage fighting
  • Caving and spelunking
  • Cliff diving
  • Dog sledding
  • Free diving (up to 197 feet)
  • Hang gliding
  • Kiteboarding
  • Mixed martial arts
  • Mountaineering (up to 22,965 feet)
  • Paddle boarding
  • Rappelling (up to 22,965 feet)
  • Rock climbing
  • Rugby
  • Running of the bulls
  • Safari tours
  • Salsa dancing
  • Scuba diving (up to 165 feet with a commercial instructor or guide)
  • Shark cage diving
  • Skateboarding
  • Skiing or snowboarding by helicopter or snowcat
  • Swimming with whales
  • Trampolining
  • Tree climbing (up to 33 feet)
  • Ultimate Frisbee
  • Zip line

World Nomads’ Hiking Insurance Does Not Cover the Following:

Additionally, it is important to know about what their climbing insurance does not cover. It is best to talk directly to World Nomads to understand the exclusions and limitations you may face while using this insurance. It is always best to understand the situation completely, before you find yourself in need of coverage, and your policy not covering your emergency. World Nomads’ insurance for trekking does not cover the following:

  • Pre-existing conditions
  • Non-emergency medical treatment or surgery
  • Routine physical exams
  • Traveling for the purpose of medical treatment
  • Pregnancy or childbirth (except for complications of pregnancy)
  • Participation as an athlete in professional sports
  • Participation in extreme sports
  • Pregnancy or childbirth costs
  • Intentionally harming yourself
  • Piloting or learning to pilot an aircraft
  • Suicide or attempted suicide
  • Cancellations due to war, civil war, acts of foreign enemies, or civil unrest

Pros and Cons of World Nomads’ Travel Insurance:

The following are a list of pros and cons, things that we love and hate about the insurance policy:

Pros:

  • Will covers adventure activities that many of the other insurance providers will not, including trekking, and mountain climbing at high elevations 
  • Provides $500,000 in coverage for approved emergency medical evacuations (Explorer Plan).
  • A hotline for 24/7 travel assistance
  • Will provide coverage for non-medical emergency evacuation up to $25,000. Covering issues including natural disasters and political or security situations.

Cons:

  • They don’t allow you to buy “cancel for any reason” coverage, which restricts the traveler .
  • For travelers 70 or older, they will have to purchase “Silver Nomads” coverage through TripAssure, a partner company.
  • You can find higher policy limits with other travel insurance companies, but they may not cover certain types of dangerous activities, such as rock climbing.

World Nomads’ Mountaineering insurance Plan Types:

There are two different types of travel and hiking insurance plans that are offered by World Nomads. These two plans are Standard and Explorer, they include the following coverage:

World Nomads’ – Standard Plan:

The Standard Plan is best for budget travelers looking to protect themselves on their trekking adventure. The plan covers both pre- and post-departure incidents, including: cancelation of trips, delayed trips, interruption of trips, emergency evacuation, emergency medical assistance, and covers lost or stolen bags and personal effects. Moreover, it will cover emergency evacuation if the traveler is injured during a high-risk activity like trekking and mountaineering. The standard plan however, only covers trekkers up to an elevation of 19,685 feet (6,000 meters) above sea level.

World Nomads’ – Explorer Plan:

The Explorer Plan includes everything that the Standard Plan has, but with higher coverage limite. The main thing with this plan is that it allows trekkers to be covered by the insurance plan up to up to 22,965 feet (7,000 meters). This is an important element if you are looking to make summit pushes on some of the taller mountains.

World Nomads’ Trekking insurance Pricing:

The amount that you will have to pay for your trekking and mountaineering insurance varies depending on your trekking destination, age, country of residence, overall trip cost as well as other factors. Therefore, it is difficult to provide you with a cost to how much the coverage will cost.

That being said, here are a few examples of trips and costs associated with them, so you can get an idea of what you may have to pay for your trekking insurance with World Nomad:

Two travelers age 30, USD $5,000 traveling to Turks and CaicosUSD $195 total cost
Two travelers age 40, USD $5,000 total trip cost and traveling to MexicoUSD $186 total cost
Two Travelers age 65, traveling to Greece, with a total trip cost of USD $7,000USD $211 total cost

2. Travelex Trekking Insurance:

Travelex Trekking insurance

Our second choice of mountaineering insurance is Travelex insurance. It is a great budget friendly travel insurance provider that offers affordable rates and coverage for families. Moreover, they offer plan extensions which will allow you to be insured while trekking to high elevations. They provide coverage on individual bases and will allow you to get trekking insurance up to 20,000 feet (6,000 meters) above sea level. This makes it great for climbers looking to hike up to Everest Base Camp trek in Nepal or other places around the world like: the Alps, the Andes (e.g. Inca Trail treks) or Africa (e.g. climbing Kilimanjaro)! 

Another great aspect that we like about the Travelex’s service, is that they have an app that you can download which will provide important information about the country you are traveling to. It will help keep you safe by providing real-time security alerts, information about food and water safety, as well as ATM locations! 

If you are looking for a budget travel insurance plan that will cover the adventure sports aspect of your vacation, then Travelex climbing insurance will be a great fit for you!

Some of the adventure sports and other activities that Travelex’s trekking insurance covers include:

Travelex’s Trekking Insurance Covers the Following Adventure Activities:

  • Trip cancellation insurance
  • Travel medical insurance
  • Emergency medical evacuation
  • Travel delay insurance
  • Travel interruption insurance
  • Baggage and personal effects
  • Car rental collision coverage of $35,000 (upgradable)
  • Flight accident or death (upgradable)
  • Medical expenses and emergency evacuation (upgradable).
  • Coverage for adventure sports activities (upgradable)

Travelex’s Trekking Insurance Does Not Cover the Following:

Additionally, it is important to know about what their climbing insurance does not cover. It is best to talk directly to Travelex to understand the exclusions and limitations you may face while using this insurance. It is always best to understand the situation completely, before you find yourself in need of coverage, and your policy not covering your emergency. Travelex’s insurance for trekking does not cover the following:

  • Intentionally self-inflicted injury
  • Normal pregnancy or childbirth
  • Mental, nervous or psychological disorders
  • Experimental medical treatments
  • Injuries due to intoxication or drug abuse
  • Routine physical examinations

Pros and Cons of Travelex’s Travel Insurance:

The following are a list of pros and cons, things that we love and hate about the insurance policy:

Travelex’s Trekking Insurance Pros:
  • The travel insurance will include free coverage for children under the age of 17 if they are with an adult that is covered by the insurance policy
  • Offers an adventure sports upgrade, including for high elevation trekking
  • You can upgrade the plan to get a “cancel for any reason”
  • Medical expense coverage is primary, compared to some competitors’ secondary coverage.
  • Provides great  travel delay coverage. Providing USD $2,000 per person after an initial  five-hour delay.
Travelex’s Trekking Insurance Cons:
  • “Cancel for any reason” coverage provides 50% reimbursement of the non-refundable deposits – which is lower than most travel insurance providers, who usually provide 75%
  • The emergency medical expense coverage for the Travel Select plan is $50,000, compared to higher levels from top competitors.
  • Baggage delay benefits  only apply after an initial 12-hour wait – longer than most companies

Travelex’s Trekking insurance Plan Types:

Travelex provides three different trekking insurance plans. However, one is for Americans traveling domestically in the United States. Therefore, we will focus on the two other travel insurance plan types of travel and hiking insurance plans that are offered by Travelex. These two plans are Travel Basic and Travel Select, they include the following coverage:

Travelex’s – Travel Basic Plan:

This climbing insurance plan offers a budget-friendly and family-friendly insurance plan. The plan offers travelers with pre- and post-departure coverage, which will cover cancellations, delays, emergency evacuations, emergency medical coverage, baggage and personal effects if lost or stolen. The basic plans are great travelers looking to stay protected during their trips abroad.

Travelex’s – Travel Select Plan:

The Travel Select Plan is perfect for trekkers looking to climb to higher altitudes as you can get an upgrade to cover adventure sport in order to to cover hiking and mountaineering in high elevation locations 20,000 feet (6,000 meters) above sea level.

Another great aspect of the Travelex coverage plan is it will allow hikers to apply for pre-existing medical condition waivers. This will allow climbers to be covered for pre-existing conditions during their trips if they are approved by Travelex. Which is great to provide even more protection while climbing and trekking in the mountains.

Finally, with the Travel Select Plan, families can have some peace of mind while traveling with their children as children under 17 years of age will be covered if they are accompanied by an adult that has a Travelex coverage plan!

Travelex Trekking insurance Pricing:

The amount that you will have to pay for your trekking and mountaineering insurance varies depending on your trekking destination, age, country of residence, overall trip cost as well as other factors. Therefore, it is difficult to provide you with a cost to how much the coverage will cost.

That being said, here are a few examples of trips and costs associated with them, so you can get an idea of what you may have to pay for your trekking insurance with a Travelex Select Plan:

Two travelers age 30, $5,000 trip cost, traveling to Turks and CaicosUSD $210 total cost
Two travelers age 40, $5,000 trip cost, traveling to MexicoUSD $316 total cost
Two travelers age 65, $7,000 trip cost, traveling to GreeceUSD $566 total cost

3. WorldTrips’ Trekking Insurance:

WorldTrips Hiking Insurance

For our third and final choice, we have chosen WorldTrips travel insurance plan, as it is a very flexible plan that allows travelers to pick and choose which add-on coverage they need. WorldTips, flexible plans include coverage for pets, adventure sports like high altitude climbing and hiking, destination weddings, and even hunting and fishing equipment. If you are someone that loves traveling, trekking and doing everything and anything in the destination country, then WorldTrips trekking insurance is going to be best for you. However, the elevation  coverage is less than the other two plans mentioned above. Whereas, WorldTrips’ only provides mountaineering insurance under 15,000 feet (4,500 meters) above sea level.

Therefore, if you plan on hiking to extreme elevations, you will need to directly speak to WorldTrips’ to see what your options are, or you will have to choose a different trekking insurance provider.

If the elevation issue is not a problem for your vacation, then WorldTrips is a great hiking insurance provider because of the options and upgrades it gives travelers. Some of the adventure sports and other activities that WorldTrips’ hiking insurance covers include:

WorldTrips’ Trekking Insurance Covers the Following Adventure Activities:

  • Indoor and outdoor rock climbing
  • Mountain biking
  • Mountaineering (at elevations under 4,500 meters)
  • Rappelling
  • Rock scrambling
  • Snowboarding (recreational downhill and/or cross country)
  • Snow skiing (recreational downhill and/or cross country)
  • Zip lining
  • Zip trekking
  • Bodyboarding
  • Scuba diving 
  • Surfing
  • Wakeboarding

WorldTrips’ Trekking Insurance Does Not Cover the Following:

Additionally, it is important to know about what their climbing insurance does not cover. It is best to talk directly to WorldTrips to understand the exclusions and limitations you may face while using their trekking insurance plan. It is always best to understand the situation completely, before you find yourself in need of coverage, and your policy not covering your emergency. WorldTrips’ insurance for trekking does not cover the following:

  • Mental, nervous or psychological disorders (unless hospitalized for more than 72 hours)
  • Intoxication
  • Participating in organized or contact sports
  • Traveling against the advice of a physician
  • Elective treatment and procedures
  • Medical tourism
  • Self-inflicted injury

Pros and Cons of WorldTrips Travel Insurance:

The following are a list of pros and cons, things that we love and hate about the insurance policy:

WorldTrips Hiking InsurancePros:
  • You can get a “cancel for any reason” upgrade
  • You can add an upgrade to your policy to get “interruption for any reason” coverage
  • Includes excellent missed connection coverage of $2,000 per person after a three-hour delay.
  • Provides travel delay benefits of $2,000 per person.
  • WorldTrips offers coverage for travel inconveniences
WorldTrips Hiking Insurance Cons:
  • The elevation coverage they offer, up to 15,000 feet (4,500 meters) above sea level, is significantly lower than other trekking insurance providers.
  • Emergency medical expense coverage of $150,000 is quite low when compared to other policy providers
  • You have to wait 12 hours to get baggage delay benefits

WorldTrips’ Trekking insurance Plan Types:

WorldTrips offers three different plan types for trekking insurance. These three plans are Atlas Journey Premier travel Insurance, Atlas Journey Preferred travel Insurance and Atlas Journey Economy travel Insurance.

WorldTrips’ – Atlas Journey Premier travel Insurance:

This trekking plan has the most coverage and the best benefits out of the three options. This plan can come in useful for trekkers that have pre booked their treks with trekking agencies in the destination country. As this plan will cover non-refundable reservations if you miss them for reasons that are allowed in their policy plan. 

Another important component that is great for trekkers, is that it has a USD $1 million emergency helicopter evacuation plan, which will keep you safe during your trips to high elevations and along unstable hiking trails.

Finally, this trekking insurance plan will give you the most freedom when it comes to customizing and adding upgrades to your plan.

WorldTrips’ – Atlas Journey Preferred travel Insurance:

The preferred travel insurance plan offers many of the same benefits as the Premier trekking insurance plan. The main difference is that it provides lower medical expense limits. With lower elevation treks and hiking, the lower medical expense limits may not be an issue though – the insurance policy will still cover USD $100,000. 

This is something you will need to consider and think about before choosing which insurance plan you would like to get with WorldTrips.

WorldTrips’ – Atlas Journey Economy travel Insurance:

The last insurance plan for trekking and adventure sports provides the same coverage, only with even less medical expense limits (USD $25,000). If you have other insurance, this may be a good insurance supplement to ensure you are well insured with both coverages. 

WorldTrips Economy Trekking Insurance plan is a great budget option that will keep you at peace of mind while enjoying lower elevation hikes. However, as a budget plan, it does limit the coverage you will get. Whereas, the Economy plan does not allow you to get cancellation and interruption upgrades.

WorldTrips’ Trekking insurance Pricing:

WorldTrips’ pricing for trekking insurance is broken down by age, and is charged per day. Moreover, depending on the plan you choose, and the amount of medical maximum you are looking for, will also change the overall policy price.

The table below shows the breakdown of costs for traveling outside of the United States. The table is pulled directly from WorldTrips website

Medical Maximum →
Age ↓$50,000$100,000$250,000$500,000$1 Million$2 Million
14 days-29 years0.810.971.221.341.461.52
30-391.021.271.521.641.851.91
40-491.681.872.202.362.602.69
50-592.943.033.513.744.134.25
60-643.643.604.244.544.965.11
65-694.134.55N/AN/AN/AN/A
70-796.727.40N/AN/AN/AN/A
80+*12.31N/AN/AN/AN/AN/A

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