Hiking Holiday Insurance
Travel Insurance for hiking holidays including cover for hundreds of pre-existing medical conditions.
Travel Insurance for Hiking and Walking Holidays
Hiking offers a fantastic way for keen adventurers to see the world on their travels. From alpine European trails and volcanic Pacific crossings, to iconic summits like Mount Everest in Asia, Mera Peak in Nepal, and Mount Fuji in Japan. Offering a huge sense of accomplishment, hiking abroad allows travellers to make lasting memories, fulfill bucket-list goals, and combine a love of walking with that of nature. Whatever route you’re planning to take, it’s important to make sure that any hiking activities are properly covered with dedicated Hiking Travel Insurance, if required.
Hiking Holiday Insurance: Good To Knows
The question of whether you’ll require hiking Travel Insurance depends on a couple of factors such as the length and altitude of the journey, and if hiking is the main purpose of your trip. If you’re going on an easy hike up to no more than 2,000 metres, this is covered as standard under hazardous activities Category A. However, if you plan on tackling a particularly challenging route, taking a multi-day hike involving overnight stays, or will be hiking between 2,001 – 4,000 metres, you’ll need to add on specialist cover under hazardous activities Category B.
Note that some insurers will require you to stick to recognised trails or routes in order to cover you. Some may only cover you provided you’ll be hiking as part of a group or an organised activity, which is important to note for solo travellers. If you’re planning a hiking holiday and are unsure what cover you need, get in touch with us on 0800 294 2969 and one of our insurance experts will be happy to help.
What’s covered with Hiking Travel Insurance?
Travel Insurance for hiking policies combine standard travel benefits with hiking-specific cover, to help you prepare for any unexpected events on your travels. Standard cover includes:
Emergency medical and repatriation expenses
Up to £10m cover for medical emergencies abroad, or repatriation home if necessary for you to receive the right treatment in an emergency.
Cancellation or curtilament
If you experience unexpected circumstances such as illness or bereavement and have to cancel or cut short your trip. Up to £50,000 available per person upon referral with our top-up cover.
Treatment for Pre-Existing Medical Conditions
Provided these are declared initially when taking out your policy.
Up to £3,500 baggage cover (per person)
Covering your luggage and personal possessions should these become lost, stolen, or damaged.
What’s not covered with Travel Insurance for Hiking?
Please note that Travel Insurance for Hiking will not cover the following:
- Accidents or injuries resulting in you being under the influence of drugs or alcohol
- Loss or damage of belongings due to carelessness (i.e. leaving them unattended)
- Participating in uninsured activities such as climbing, skiing, or watersports
- Expensive belongings, that value of which exceeds the single-item value limit
- Hiking against official government or medical advice
Terms and conditions vary by insurer. Always read the policy wording carefully for your chosen insurer to confirm you understand what is and isn’t covered under your insurance.
Travel Insurance for Hiking FAQs
Do I need Travel Insurance for a hiking holiday?
Yes, if you are planning to hike between 2,001 – 4,000 metres’ altitude, or are participating in more challenging, high-risk routes. Normal hiking under 2,000 metres is usually covered as standard, but it’s important to make sure you declare any other hiking activities you plan to undertake to ensure you are covered. Hiking comes with additional risks such as accidents or injuries, so it’s important to make sure you have adequate protection, as search and rescue costs can be expensive abroad.
Is hiking covered under my Travel Insurance as standard?
Only if it is below 2,000 metres in altitude. Anything over this limit will need to be declared on your policy and the necessary add-on cover arranged to make sure you are insured. If you need to add additional cover onto an existing policy, just get in touch with us on 0800 294 2969 and we can help.
It is imperative that you check the wording of your Travel Insurance including winter sports cover to ensure that you have appropriate protection for each activity you wish to partake in.
What does Travel Insurance for hiking abroad include?
Travel Insurance for hiking abroad typically includes:
- Up to £10m emergency medical and repatriation expenses – covering the costs for medical treatment abroad or repatriation home in a medical emergency.
- Cancellation or curtailment cover – protecting the value of your holiday in the event you have to cancel or cut short your trip unexpectedly.
- Pre-existing medical conditions – including essential treatments or medications should your symptoms flare up suddenly.
- Baggage cover – protecting your luggage and other personal belongings in the event of loss, theft, or damage.
- Search and rescue – should you get lost on your hike or encounter any difficulties and require assistance.
- Hiking equipment – such as hiking poles, headlamps and other items used for your journey.
- Tour cancellations – covering pre-paid events if you are unable to participate due to illness, injury, or sudden cancellation.
Please note cover is subject to acceptance criteria and varies by insurer. Always check the policy wording for what is and isn’t included.
What is the best Travel Insurance for hiking?
The best Travel Insurance for hiking policy will cover not just any specific hiking activities you plan on doing, but also your individual needs. It should be tailored to your age, destination, trip duration, and any pre-existing medical conditions to prevent you from paying costly medical bills abroad in an emergency. When looking for the best Travel Insurance for Hiking, do not compromise on quality or omit any important information to get a cheaper price. Failing to declare any pre-existing medical conditions on your insurance means you’ll be responsible for paying any expenses incurred abroad as the result of accident, injury, or medical emergencies.
Is there an upper-age limit for hiking holiday insurance?
For hiking under 2,000m altitude, there is no-upper age limit. However, please note that for hiking between 2,001-4,000m altitude, the maximum age limit is 64.
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