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Trekking and hiking travel insurance

Planning a trekking or hiking adventure? While these types of trips offer breathtaking views, they're not always covered by standard travel insurance. But don't worry! There's still plenty of options to keep you protected on your journey. Whether you're tackling a challenging trek or enjoying a leisurely hike, we've got the info you need to ensure you're covered.

Get a quote today to see you options, or keep reading to learn more about what trekking and hiking travel insurance can offer you.

Alvaro Iturmendi - Confused.com travel insurance expert

Reviewed by Alvaro Iturmendi Travel insurance expert 4 min read | Published 02/09/2024

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Does travel insurance cover trekking and hiking?

When it comes to travel insurance, trekking and hiking are often considered riskier activities. That means your standard travel insurance might not cover you if you're planning to head off the beaten path, and you may need specialist high-risk travel insurance. Whether or not you're covered can depend on the altitude you plan to climb to or the distance you'll be trekking. It's important to check your policy details before you buy.

If your current plan doesn't cover these activities, don't worry - you can always opt for specialist activity travel insurance. This will give you peace of mind while you're exploring the great outdoors.

What's the difference between trekking and hiking?

Hiking and trekking - aren't they the same? Well, not quite.

While the terms are often used interchangeably, there's a slight difference.

Hiking usually refers to shorter walks on marked trails, perfect for a day out.
Trekking, on the other hand, tends to be more challenging. It usually involves longer distances, more time, and often ventures off the well-worn path, which can make it a bit more dangerous.

So, if you're planning an adventure into the wild, make sure you know the difference - and that your insurance does, too!

What does trekking travel insurance cover?

To help you plan your next trek, here's a quick overview of what's usually covered:

High altitude incidents: Most policies cover incidents at high altitudes, but be sure to check the height limits outlined in your policy.
Medical cover: It includes treatment for injuries or altitude sickness. This is if you stay within the policy's height limits.
Repatriation: Covers costs if you need to be flown home due to a serious injury or illness.
Cancellation or curtailment: Protects against non-refundable costs if your trip is cancelled or cut short. This could include if you're camping and need to cancel due to bad weather. It's always best to check exactly what's covered with your insurer before you travel.
Baggage cover: Covers your belongings if it's lost, damaged, or stolen.

What does trekking travel insurance not cover?

While trekking and hiking travel insurance provides essential protection, there are some things it typically won't cover:

Heights or altitudes beyond policy limits: If you trek higher than the altitude allowed by your policy, you won't be covered.
Accidents under the influence: Any accidents that happen while you're under the influence of alcohol or drugs won't be covered.
Excluded equipment or gadgets: If something isn't listed on your policy, it's not covered. Travel insurance with gadget cover should protect any tech you're taking with you.
Carelessness: Losing items due to carelessness, like leaving your backpack unattended, generally isn't covered.
Rock climbing and similar activities: Extreme or dangerous activities aren't usually covered under trekking insurance. Specialist travel insurance for rock climbing is usually needed.
FCDO-advised destinations: Travelling against Foreign, Commonwealth and Development Office (FCDO) advice to places that are considered dangerous or high-risk won't be covered.
Natural disasters and known events: Incidents related to natural disasters or other known events are typically excluded.

Can I get travel insurance for trekking if I have a pre-existing medical condition?

Yes, you can still get travel insurance for trekking with a pre-existing medical condition, but it might take a bit more searching. When you compare quotes, expect to see fewer options and possibly higher prices due to the added risk.

If you're finding it hard to get the right cover, you can use the Money and Pensions Service (MaPS) Medical Travel Insurance Directory. This directory is designed to help those with serious medical conditions find specialist insurers who can offer suitable cover. Even if other providers have added higher premiums or excluded certain conditions. You can also call them for free, impartial advice on 0800 138 7777.

How do I get the best travel insurance for trekking or hiking?

Compare quotes and shop around: Don't settle for the first policy you find. Comparing quotes from different providers can help you find the best deal with the right cover.
Read policy details: Always read the fine print. Make sure the policy covers the specific activities you'll be doing, including trekking at the altitudes you plan to reach.
Consider other policy types: Depending on your travel plans, you might benefit from a single-trip, multi-trip, group, couples or individual policy. Choose the one that best fits your needs.

Check equipment cover limits: If you're bringing expensive equipment, ensure your policy offers adequate cover in case of loss, theft or damage.
Look at other included activities: If you're planning to do more than just trekking, check whether those activities are covered, too.
Ensure appropriate medical cover: Make sure the policy provides sufficient medical cover for the country you're travelling to. Especially if you're heading somewhere remote or high-altitude.

What our travel insurance expert says

"When you're hiking or trekking, there's always a chance of the unexpected. A twisted ankle, altitude sickness, or bad weather can stop you in your tracks. Preparing for the unexpected is where travel insurance might come in handy before you put your walking boots on."

Alvaro Iturmendi Travel insurance expert

How do I compare travel insurance quotes?

Fill out our quote form

First, we'll need some information from you, such as your name, medical history, and any other travellers you wish to include.

Let us know what cover you need

Once you've given us the information we need, you'll need to specify whether you want any policy add-ons. You can do this in the 'Extras' section.

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We'll show you quotes from up to 44 travel insurers¹. Compare prices & policies to find the best policy for you. Sorted!

¹Correct as of October 2024

Frequently asked questions

Do you have any tips for trekking and hiking?

Of course we do - here's our top tips:

Know your own limits: Don't push yourself too hard. It's important to recognise when to take breaks or turn back if conditions become too challenging.
Check the weather beforehand: Always check the forecast before setting out. Weather can change quickly, so be prepared for all possibilities.
Pack the right equipment: Bring essentials like maps (in case your GPS loses signal), a first-aid kit, and enough food and water to keep you going.
Wear the right clothing and shoes: Dress for the conditions - layers are great for changing weather, and sturdy, comfortable shoes are a must.
Let people know where you're going: Always inform someone about your plans, including your route and expected return time.
Acclimatise to the altitude: If you're trekking at high altitudes, give yourself time to adjust to avoid altitude sickness.
Use a group or tour guide: If you're new to the area, consider trekking with a group or guide. Also, research your routes thoroughly in advance.

Need more help with your trekking and hiking trip?

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