Trekking can be an exhilarating adventure with breathtaking landscapes and thrilling experiences, but there are some risks involved that might put your journey at risk. These could range from unexpected injuries or cancellation of trips altogether; therefore, trek insurance comes into play. But is it really necessary? Here we explore its significance as well as whether or not this decision should be considered when making decisions for your future.
Trek insurance provides protection from the various dangers associated with trekking trips, such as emergency medical situations, evacuations and lost equipment, trip cancellations as well as cancellation fees - depending on which company and policy type is selected.
When we purchase insurance policies, most of us protect our vehicles, homes and other important assets; but few people consider trekking insurance when purchasing policies. If you love trekking regularly up mountains then now may be a good time to consider trekking insurance - even though trekking might not seem as significant an investment than buying homes but can present risks that need protecting from.
As with any mountain climbing expedition, climbing is fraught with risks that are impossible to anticipate. Accidents could occur that leave you injured or sick, including more serious types of AMS which require treatment and removal costs of thousands. You could even encounter an avalanche, flood or other danger from weather extremes which you are completely powerless against - trekking insurance provides much-needed coverage here! Even with life and medical policies in place, accidents occurring on trek may not be covered and trekking insurance provides that protection.
Why is trekking insurance essential for your adventure?
Trekking insurance provides financial security in case something unexpected should go wrong during your trek. In case of natural disaster, emergency evacuation, or medical treatment requirements arising during the expedition, trekking insurance provides coverage. Policies generally only last up until your trek ends - protecting you against unexpected events during and after its conclusion is what trekking insurance provides protection for.
Covers trekking injuries
Also provides for medical and emergency evacuation (AMS, HAPE and HACO) evacuation in case rescue assistance is required in an event of death.
In some policies they also offer Travel Insurance policies - please check policy terms.
No matter how experienced or well-prepared your team members or you are for trekking, mountains can always surprise us. Anything can happen at any time; that is part of what makes this sport exciting and mysterious; climbing the same mountain may lead to many different experiences each time! Naturally, the danger is reduced on treks with less altitude gain whereas as height increases so does danger; therefore insurance is always recommended!
Trek insurance will cover some medical expenses related to evacuation and hospital treatment costs. It also protects items lost on trek, and in cases such as earthquakes or landslides that hinder travel plans, the insurance provider will cover a substantial part of flight or train cost costs.
Which insurance provider is the best choice for you?
Note that India does not have an established market for Trekking and Adventure Insurance. Bajaj Allianz was introduced as an interim measure, but unfortunately only applies in limited circumstances. ASC360 offers adventure sports-specific policies depending on hike or expedition height and policy type; please read their guidelines prior to applying if interested. For our Nepal treks we highly recommend ASC360; they're reputable insurers with whom we work closely.
Trekking insurance will ensure a relaxing expedition. By protecting yourself against unexpected expenses during your trek, trekking insurance allows you to relax while making sure you enjoy every moment.
