Does travel insurance cover trekking and hiking?

We do not currently show quotes for specialised trekking and hiking insurance at MoneySuperMarket, but some of our travel insurers may cover it as standard or as an add-on.

Key takeaways

• Standard travel insurance might cover you for hiking up to a certain distance or altitude, but longer treks might require specialist insurance

• A specialist trekking and hiking policy can extend cover for multi-day treks, high-altitude climbs and the cost of equipment that gets lost or damaged

• You can still get cover if you have a pre-existing medical condition, but you’ll likely face higher premiums

Does standard travel insurance cover trekking and hiking?

If you’re planning a holiday that includes hiking or trekking, a standard travel insurance policy might cover you up to certain distances or altitudes. However, it’s unlikely to extend cover if you’re planning to go on any arduous or lengthy journeys, or if hiking and trekking is the main purpose of your holiday.

This is because trekking can be a high-risk activity that can result in injuries as well as lost or damaged belongings. Additionally, high-altitude hikes might also result in you needing to be rescued via helicopter, which can be extremely pricey.

Do I need specialist trekking and hiking insurance?

You might need to look into specialist insurance for hiking and trekking you’re going to:

• Trek at an altitude of over 2,000 meters

• Go on multi-day treks involving camping overnight

• Require specialist equipment and an experienced instructor

What types of trekking and hiking insurance do I need?

If you’re planning to hit altitudes of between 4,000 and 6,000 metres you’ll need a high-altitude insurance, while altitudes above 6,000 metres will require a mountaineering insurance policy. They’ll include accident and cancellation cover as well as useful things like worldwide search and rescue and high levels of cover for equipment.

What does trekking and hiking insurance cover?

Specialist travel insurance can offer cover for areas that might be excluded from a standard policy. These include:

• Rescue costs

• Medical emergencies

• Repatriation

• Lost or damaged equipment

• Tour cancellations

• Worldwide search and rescue

Most insurers also offer a 24-hour emergency assistance helpline for policyholders

What isn’t covered by trekking and hiking insurance?

While trekking and hiking insurance policies offer more comprehensive cover than standard travel insurance, they will still often come with the following exclusions:

• Being under the influence: Injuries resulting from you being under the influence of alcohol or drugs will likely not be covered for medical treatment

• Being careless: If you’re injured or lose your belongings because of carelessness or negligence, like leaving your things unattended, you won’t be able to claim

• Taking part in uninsured activities: Even with a trekking and hiking policy, you’ll still need extra cover for other activities like climbing, skiing or watersports

• Expensive belongings: Your policy will have single item value limit, and items that exceed this will likely need extra protection

• Travelling against advice: If you travel against medical or official government advice, your insurer will likely void your policy

Will I be covered for trekking with a pre-existing medical condition?

Yes, you should still be able to find cover for trekking and hiking even with a pre-existing medical condition. Just keep in mind that this is likely to increase your total cost of cover.

Things to consider for trekking and hiking holidays

Hiking and trekking are fantastic ways to enjoy the outdoors, be healthy and active and appreciate the beauty of nature. But to stay safe and have peace of mind for your trip, we’d recommend considering the following:

• Distance and altitude: Make sure your policy covers you to hike or trek at the altitude you’re planning for your trip

• Recognised trails and routes: It’s better to stick to recognised trails and routes, and some insurers will insist on this before covering you

• Search and rescue: A good policy will include search and rescue cover, which pays out for helicopter rescue in the event of bad weather or if you get lost. This may not be covered by standard medical cover

• Organised treks: Your insurer might also only cover you if you’re hiking as part of a group or organised activity, so be sure to check this if you’re planning a solo trip

• Keep an eye on weather reports: If there are reports or forecasts of adverse weather it might be wise to skip the hike or plan an alternate route - poor weather can be hazardous during treks

• Let others know where you are: Share your location and planned route with family and friends as well as people at the place you’re staying

• Get the right equipment: Be sure you have the right shoes, clothes and equipment for where you’re hiking, and that it’s all covered by your policy

Compare travel insurance

The world is full of stunning landscapes waiting to be explored on foot. However, it's essential to ensure that you're adequately covered before embarking on a hiking or trekking adventure. By comparing travel insurance policies from a range of leading UK providers, you can find cheaper single-trip and annual cover that suits your needs.

Remember, an adventure is only as good as how well you're prepared for it. So, lace up your hiking boots, pack your gear, ensure you're using the proper equipment, follow your instructor's guidance, and secure your specialist travel insurance. The trails are waiting for you!