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)
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.
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:
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.
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.
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.
The Standard Plan and the Explorer Plan can cover you to go trekking or hiking up to 6000 metres.
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:
- emergency overseas medical expenses for treatment at the hospital or local medical centre
- emergency medical transport by the most suitable mode of transport (eg helicopter or ground transport) depending on the location and your medical situation
- repatriation expenses if you need to return home.
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.