Am I covered by Travel Insurance if I'm hiking or trekking?

This information is for residents of Helpdesk Global only.

As we've recently changed our insurer, please select the date you bought your policy:

Policies purchased on or after 2 December 2018 (GMT)
Policies purchased before 2 December 2018 (GMT)


 

For policies purchased on or after 2 December 2018

Crossing the landscape on foot is the classic nomadic experience. World Nomads travel insurance may help if there’s an emergency, excluding search and rescue.
Whether you’re strolling, trekking, hiking, hillwalking, backpacking, rambling or scrambling, World Nomads Standard Plan and Explorer Plan include cover for up to 4500 meters above sea level.
Want to go higher? An optional upgrade extends the policy’s cover to hikes up to 6000 meters.
Just remember, to be covered, please stick to recognized routes that don’t need ropes, picks or other specialist climbing equipment.
And choose carefully when you buy, as you can’t upgrade your policy after it is issued. If you do need to upgrade during your trip, you can always buy a new policy while travelling.
Please note that emergency medical evacuation by air ambulance or helicopter in Nepal is subject to an excess, and must be pre-approved by our 24/7 Emergency Assistance team.

What’s covered for hiking and trekking?

The beauty of nature combined with that cardiovascular buzz – hiking is popular for good reason. But mountains and trails also have special risks, such as altitude sickness, or unstable or uneven ground. If you experience a sudden illness or injury while hiking, there is cover for:

  • Emergency overseas medical expenses for treatment.

  • Emergency medical transport by the most suitable mode of transport (for example, helicopter or ground transport) depending on the location and your medical situation, as determined by our 24/7 Emergency Assistance team.

  • Evacuation and repatriation expenses if our 24/7 Emergency Assistance team deems it medically necessary.

What should I do if there’s an emergency?

If you’re hiking and need emergency medical treatment, medical evacuation or repatriation, you must contact our 24/7 Emergency Assistance team as soon as possible. They will contact a suitable assistance or ambulance company and arrange medical care.
If you are unable to contact us before arranging emergency transport or medical treatment, this may impact your cover.

What’s not covered for hiking and trekking?

Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the policy wording, so there are no surprises if you do need to use it.
Here are a few of the things that are not covered:

  • You hike above the height limits of your policy.

  • Hiking where you require picks or other specialist climbing equipment.

  • Free mountaineering.

  • Mountaineering expeditions.

  • Climbing in remote or inaccessible regions.

  • Exploratory expeditions and new routes.

  • Expeditions and activities in Antarctica, the Arctic Circle or Greenland.

  • Search and rescue if you’re lost up there in the mountains, or at any other time.

  • Any expenses related to pre-existing medical conditions.

  • Medical treatment that can wait until you return home.

  • Any expenses incurred once you return home.

 

This is only a summary of cover and does not include the full terms and conditions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

European customers (excluding Irish residents):
For policies purchased on or after 1 August 2019: Your policy is underwritten by XL Insurance Company SE. For policies purchased between 17 January 2019 and 31 July 2019: Your policy is underwritten by Lloyd’s Insurance Company SA. For policies purchased between 2 December 2018 and 16 January 2019: Your policy is underwritten by certain underwriters at Lloyd’s.

All other customers (excluding residents of Australia, Brazil, Canada, China, EEA, Ireland, New Zealand, Philippines, UK and USA):
For policies purchased on or after 1 August 2019, your policy is underwritten by nib Travel Services Limited. For policies purchased between 2 December 2018 and 31 July 2019: Your policy is underwritten by nib Travel Services Limited, formerly known as Nomadic Insurance Limited.

For policies purchased before 2 December 2018


The Standard Plan and the Explorer Plan can cover you to go trekking or hiking up to 6000 metres.

What’s covered?

If you suffer a sudden and unexpected illness that requires immediate treatment or if you are in an accident and you suffer an acute serious injury while you are trekking, there’s cover for:

For expenses to be covered, the evacuation and/or repatriation due to sudden illness or injury must be determined as medically necessary by an attending physician and agreed by your insurer, Bupa Global

If something goes wrong:

If you’re trekking and need emergency medical treatment, evacuation or repatriation, you (or someone with you) must contact the emergency assistance team immediately. They will then make contact with a suitable assistance/ambulance company close to your location / base camp to arrange for suitable treatment or transport, depending on your situation.

We also suggest you inform a local assistance company before starting the trip of your policy details and trekking route, so 1) they are aware when and where you are in the mountains, and 2) you are covered by Bupa Global in case of any problems. This intermediary can then contact the emergency assistance team if necessary for pre-approval of expenses to send a helicopter to assist you.

If you are unable to contact the emergency assistance team before arranging emergency transport or medical treatment, then cover may be limited to the cost had they been contacted and ihi Bupa arranged the transportation/treatment.

What’s not covered

Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the product guide (policy wording), particularly Sections 6, 7 & 9, so there are no surprises if you do need to use it.
Here are a few of the things that are not covered:

  • you trek over 6000 metres
  • search and rescue if you’re lost up there in the mountains or at any other time.
  • any expenses related to a pre-existing medical conditions suffered before the commencement of your trip.
  • medical treatment that can wait until you return home
  • any expenses incurred once you return home.

 

For policies purchased before 2 December 2018, your policy is underwritten by Bupa.

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Last Updated: Aug 05, 2019 02:02PM AEST