Trekking in the Himalayas is exciting, rewarding, and unforgettable. However, mountain travel can also involve uncertainties such as sudden weather changes, altitude-related sickness, injuries, evacuation requirements, or travel delays.

To help travellers stay financially protected during unforeseen situations, optional Travel Safety Insurance plans are available through TATA AIG General Insurance.

These plans are designed to provide basic travel and emergency protection during domestic travel and trekking journeys within India.

Important: This insurance policy is issued and managed entirely by TATA AIG General Insurance Company Limited. Trekup India is not the insurer and does not process, approve, or reject insurance claims.

What is Adventure Insurance?

Adventure insurance is a special insurance that is designed for high-risk and high-altitude adventure activities, such as trekking, climbing, and expeditions up to 6000 meters. You need to pay exactly for the travel duration from base to base. This insurance will even cover your driving day to/from pickup/drop locations.

How Adventure Insurance is different from Regular Travel Insurance

The regular standard Travel insurance basically covers Trip delay, lost baggage, and it often excludes accidents or emergencies that occur during adventurous activities. Adventure Insurance extends coverage to include medical emergencies, evacuation, and accidents that may arise during trekking expeditions in remote or high-altitude regions.

Why Adventure Insurance is Essential?

It has to be well understood that all trekkers, whether you are a beginner, an experienced, or you are travelling with a top-rated, highly safe organisation, even if you are fully prepared and you have the best preparation, but never forget that mountains can be unpredictable, no risk will come with reminders, every step taken in the mountains can be risky. Risk can be anything, weather, Health, Altitude Sickness, Injury, wild animal attack, fall, etc. Therefore, having Adventure insurance ensures that trekkers are financially and logistically protected in case of any medical emergencies, allowing help and assistance to reach them quickly and with minimal stress. Having Adventure insurance means trekking with confidence, Trekking worry-free, and enjoying every step in the mountains. Every step should be memory and not worried about.

*Per-day pricing is approximate and depends on trip duration and insurer pricing.

Which Plan Should You Choose?

Basic Safety Cover – Starting from ₹22/Day

Suitable for:

-Easy to Moderate treks

-Weekend treks

-Beginner trekkers

-Budget travellers

Enhanced Safety Cover – ₹69/Day

Suitable for:

-Moderate treks

-Remote Himalayan treks

-Longer-duration journeys

-Experienced trekkers

Premium Safety Cover – ₹115/Day

Suitable for:

-High-altitude treks

-Premium trekking experiences

-Senior travellers

-Maximum available protection

Depending on the selected plan, the policy may provide financial support for:

• Accidental medical emergencies
• Hospitalization expenses
• Emergency medical evacuation
• Accidental death coverage
• Travel inconvenience support
• Trip delays and missed departures
• Ticket loss assistance
• Personal liability coverage

Coverage is always subject to insurer approval and policy terms.

Today, some of the treks have made it mandatory for Adventure Insurance and some of the treks are still being conducted without an Adventure Insurance, hence, Trekup India, keeping in mind the safety of all our trekkers, we have made it mandatory for all levels of treks, either Easy, Moderate, or challenging and this is beneficial for trekkers themselves as Trekup India does not earn any extra from the insurance amount, hence its purely benefiting trekkers.

• Beginners: For first-time trekkers and those unfamiliar with mountain conditions.
• Solo Trekkers: This adds an extra layer of protection while traveling alone.
• High Altitude Trekkers: Mandatory for all treks, and this insurance is required for treks of less than 6000 Meters and not above.

Step 1 – Select Your Trek

Choose your preferred trek and complete your booking process.

Step 2 – Choose Insurance Plan

Select the preferred Travel Safety Insurance plan during booking.

Step 3 – Submit Required Details

The insurer may require:

• Full Name
• Mobile Number
• Email Address
• Address & PIN Code
• PAN Card
• Nominee Details
• Government ID Proof

Step 4 – Complete Payment

Complete the insurance premium payment.

Step 5 – Receive Policy

After verification, the insurance company issues the policy document directly to the traveller.

Step 1 – Inform Immediately

Inform the insurance company immediately after the incident or emergency.

Step 2 – Seek Medical Assistance

Visit the nearest hospital or medical center for treatment.

Step 3 – Collect Documents

Keep copies of:

• Medical reports
• Hospital bills
• Prescriptions
• Discharge summary
• Pharmacy invoices
• Travel proof
• Policy copy
• Supporting photos/videos if available

Step 4 – Submit Claim

Submit all required documents directly to TATA AIG through their official claims process.

Step 5 – Claim Verification & Settlement

The insurer verifies all submitted documents and processes the claim according to policy terms and conditions.

Approved claim amounts are transferred directly by the insurer to the insured traveller’s bank account.

• Coverage is subject to insurer approval.
• Pre-existing diseases may not be covered.
• Alcohol or intoxication-related incidents are excluded.
• Certain adventure activities may not be covered.
• Deductibles may apply as per policy wording.
• Incorrect or incomplete information may result in claim rejection.

The policy may not cover:

• Pre-existing illnesses
• Technical mountaineering
• Rope-assisted climbing
• Hazardous adventure activities
• Professional sports
• Alcohol/drug-related incidents
• Self-inflicted injuries
• Illegal activities
• Pregnancy-related complications