How mountain trekking travel insurance covers for your risks

If you like mountain trekking, you should definitely consider getting a mountain trekking travel insurance. A mountain trekking travel insurance is designed to cover most of the risks in a trekking trip.

Imagine this:

You enjoy mountain trekking. You enjoy the challenging walk you took. You have been to the top of Mt Kinabalu and Rinjani. You remember how it is like is to be at the top of the mountain. You enjoy the view of blue skies and bright sun at the top of the mountain.

What’s next?

You aim to go to Kilimanjaro or Everest or K2 next. You want to get to the top of these mountains. You want to challenge the limits of your body. You enjoy the thrills of walking up steep slopes. You enjoy the sunrise view at the top of the mountain. You want more.

However, trekking also comes with certain risks. Risks that you cannot avoid.

Mountain Trekking Risks

Here are some potential risks that you might encounter during your trek:

  • Acute Mountain Sickness (AMS): AMS is a common issue during your trek. It can be fatal without immediate descent and treatment. You can read more about AMS here.
  • Injury: Accidents like falls and rock slides do happen. It can range from a simple ankle sprain, to internal bleeding.
  • Dehydration: Your body will lose more water when you are at high altitude. Therefore, you will need more water than your normal intake. Dehydration can lead to headache, dizziness, fatigue and heat injury.
  • Poison: There might be poisonous insects or plants that might infect you during your trek.
  • Theft: You are likely be carrying valuable items like trekking poles, trekking clothings and cameras with you. As you will not be the only one who will be at the mountain, theft might occur when you are not alert.

If you suffer from AMS or injury, at 4000 meters altitude, I am sure you wouldn’t want to make your way down the mountain. You will need a helicopter evacuation. You need to be brought to a top quality hospital for immediate treatment. You also need to return home safely. All these can cost from $10,000 to $50,000, depending on where you are.

For as low as $30, you will be able to insure most of the risks using trekking travel insurance. Most travel insurances cover for:

  • Emergency overseas medical expenses incurred for sickness or injury from your trek;
  • Emergency medical transport, which includes helicopter evacuations from your current location;
  • Repatriation expenses should you need to return home; and
  • Other covers for travel inconveniences.

However, you will have to check the fine prints before you made your purchase of travel insurance policy. Most travel insurance have limitations of the altitude. The limits can range from 3000 metres to 6000 meters. (Height of Everest Base camp is 5,545 meters)

If you are unsure, do ask your insurance agent to clarify!

It is strongly advisable that you keep the emergency repatriation number in hard copy – either writing it down or print it out. Your smart phone might not be able to detect 3G/4G signals when you are high up the mountain.

About Anthola and QBE Singapore’s Mountain Trekking Travel Insurance

Anthola Pte Ltd is an authorized general insurance agent for QBE Insurance (Singapore) Pte Ltd. We help to advise our clients on travel insurance needs.

There are 2 reasons why combining Anthola and QBE Singapore will be your ideal insurance advisor for all your mountain trekking travel insurance needs:

  1. Altitude limitations: QBE’s travel insurance covers up to 6,000 meters in height. Except for a few mountains, the travel insurance covers most of the mountains you are going to climb in the world.
  1. We are trekkers as well: I have personally climbed up to the summit of Mt Kinabalu and Rinjani. Therefore, I know the risks and circumstances of trekking. Combined with my insurance knowledge, I will be able to advise you based on my trekking experience

However, there are some general exclusions by QBE’s travel insurance:

  • Trekking above 6000 meters. Helicopters would not be able to fly that high either.
  • Search and rescue costs
  • The trek must not be part of a professional activity and should be conducted in the presence of a licensed guide. The guide can be the porter who help you carry your stuffs up the mountain.
  • Expenses relating to pre-existing medical conditions before the commencement of your trip

You can find out more about QBE Singapore’s travel insurance over here.

Mountain trekking is a fun and exciting activity. With some preparation, you will be able to enjoy your trek more with a peace of mind.

If you have any questions, please feel free to contact us or leave a comment below.


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