Trekking and hiking travel insurance

When it comes to travel insurance, trekking and hiking are often considered high-risk activities. That means your standard holiday insurance might not cover them. Instead, you might need a policy add-on, or specialist cover.

Whether or not you're covered can depend on the altitude you're planning to hike, or the distance you'll be trekking. It's important to check your policy documents to make sure you're getting an appropriate policy. This will give you peace of mind while you're exploring the great outdoors.

Are trekking and hiking the same?

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

• Hiking usually refers to shorter walks on marked trails
• Trekking tends to involve longer distances and often ventures off the beaten path

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

• Compare quotes and shop around: Don't settle for the first policy you find. Comparing policies from different providers can help you find the best deal with the right cover.
• Read the policy details: Always read the fine print. Make sure your policy covers the activities you'll be doing, including trekking at the altitudes you plan to reach.
• Consider other policy types: Depending on your plans, it might be worth comparing annual travel insurance to see if it works out cheaper than multiple single-trip travel insurance policies.

• Check cover limits: If you're bringing expensive equipment, ensure your policy offers adequate cover in case of loss, theft or damage.
• Check what activities you're covered for: If you're planning to do more than just trekking or hiking, make sure your policy covers all the activities you want to do.
• Ensure there's 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.