Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Fancy two weeks sunning yourself on a beach? How about a fortnight by the pool of a posh hotel complex? Thought not.
If you’re the kind that finds this kind of lazy beach holiday a little boring, you’re not alone. Increasing numbers of people are opting to ditch the lazy beach-side holidays in favour of walking, trekking or climbing. Statistics show that a third of visitors to New South Wales are hikers, trekkers and climbers, while, in 2013, trekking and mountaineering hotspot Nepal was found to be the fastest growing travel destination for Australians overseas.
Do you yearn for adventure? Do you laugh in the face of vertigo? Trekking and climbing holidays could be for you, just remember to take out the proper adventure holiday travel insurance before you go!
While most travel insurance providers will insure you for holidays that go off the beaten track, as well as activities such as abseiling, moderate climbing and scrambling, there are general exclusions you need to pay attention to when going on an adventure holiday.
|Insurer||Underwriter||Altitude limit||Restrictions||Buy Now|
|1300 Insurance||Allianz Australia Insurance Limited||3000m||No cover for use of ropes or climbing equipment|
|1Cover||Certain underwriters at LLoyd's||3500m||No cover for use of ropes or climbing equipment. Excluding trekking in Antarctica, Greenland or North Pole.|
|AIG||AIG Australia Limited||No altitude restrictions||No cover for use of ropes or climbing equipment (other than for hiking).|
|Allianz||Allianz Australia Insurance Limited||6000m||No cover for use of ropes or climbing equipment. With Adventure pack add on.|
|Amex||Chubb Insurance Australia Limited||No altitude restrictions||No cover for ropes and guides.|
|Boomers||Allianz Australia Insurance Limited||6000m||No cover for use of ropes or climbing equipment. With adventure pack add on.|
|Budget Direct||Auto & General Services Pty Ltd||5000m||Must be available to the general public, conducted by a commercial operator, not be considered extreme risk, and not require special skills or a high level of fitness to undertake.|
|Columbus Direct||Certain underwriters at LLoyd's||6000m||If Sports & Adventure pack B is purchased. No cover for use of ropes or guides.|
|Cover-More||Zurich Australian Insurance Limited||No altitude restrictions||No cover for mountaineering or rock climbing using ropes.|
|Downunder||Certain underwriters at LLoyd's||No altitude restrictions||No cover for use of ropes or climbing equipment (other than for hiking). Excluding trekking in Antarctica, Greenland or North Pole.|
|Fast Cover||Hollard Insurance Company Pty Ltd||6000m||No cover for specialist climbing equipment or expeditions to or on the Kokoda Track/Trail. / Add-on Adventure Pack; No cover for specialist climbing equipment. With add-on Adventure Pack.|
|Go insurance||Certain underwriters at LLoyd's||4000m||Must be conducted by a commercial operator, no cover for use of ropes or climbing equipment.|
|Insure4Less*||Certain underwriters at LLoyd's||6500m||Includes climbing with ropes, picks or other specialist climbing equipment. There is no cover whatsoever for activities in the Antarctic/Arctic/Nepal. There is no cover for Mountaineering, trekking or trad climbing in the USA or Canada.|
|InsureandGo"||Mitsui Sumitomo Insurance Company Limited||5000m||Must be available to the general public and conducted with a commercial operator|
|Itrek||Certain underwriters at LLoyd's||6000m||Must be with a professional and licenced guide or operator. Must wear/use appropriate and recommended safety equipment and follow safety guidelines. No cover for professional trekking or hiking.|
|No Worries Insurance||Chubb Insurance Australia Limited||No altitude restrictions||No cover for use of ropes or guides|
|Priceline||Chubb Insurance Australia Limited||No altitude restrictions||No cover for use of ropes or guides.|
|SCTI||Southern Cross Benefits Limited||3000m||No cover for use of ropes, climbing equipment or oxygen. No cover between altitudes of 1,500 and 3,000 metres if you are, or intend to ascend more than 500 metres per day.|
|Simply Travel Insurance||Certain underwriters at LLoyd's||3500m||No cover for use of ropes or climbing equipment (other than for hiking). Excluding trekking in Antarctica, Greenland or North Pole.|
|STA Travel||Allianz Australia Insurance Limited||6000m||No cover for use of ropes or guides.|
|Tick||Mitsui Sumitomo Insurance Company Limited||5000m||Must be available to the general public, conducted by a commercial operator, not be considered extreme risk, and not require special skills or a high level of fitness to undertake|
|Travel insurance direct||Certain underwriters at LLoyd's||No altitude restrictions||No cover for use of ropes or climbing equipment.
Ice/glacier walking (up to 3,000 metres), only when on a guided tour with a licensed tour operator. With snow sports &actviity option.
|Travel Insurance Saver||QBE Insurance Limited||No altitude restrictions||No cover for use of ropes or climbing equipment.|
Travel With Kit
|Certain underwriters at LLoyd's||5000m||Where specialist climbing equipment not required; with adventure pack add-on.|
|Virgin Money||Allianz Australia Insurance Limited||3000m||No cover for use of ropes or climbing equipment or expeditions to or on the Kokoda Track/Trail.|
|Webjet||Allianz Australia Insurance Limited||
|No cover for use of ropes or climbing equipment or expeditions to or on the Kokoda Track/Trail. With adventure pack add on.|
|World nomads||Certain underwriters at LLoyd's||6000m||No cover for search and rescue if you get lost in the mountains or at any other time. May need to add on sports and activity cover.|
|Zoom Travel Insurance||Certain underwriters at LLoyd's||6000m||No cover for specialist climbing equipment or expeditions to or on the Kokoda Track/Trail. With add-on Adventure Pack.|
Trekking holidays need trekking travel insurance! Make sure you don’t start your trip without appropriate cover.
Insure4Less rock climbing or alpine travel insurance is a good option for independent climbing parties. They cover for trekking with the use of ropes up to a max of 6,500 metres. You are unable to buy a policy if you are already overseas or are over 65 years of age.
World Nomads cover for climbing with use of ropes – but you must be with a professional, qualified and licensed guide or operator for it to be covered. 6,000 altitude limits may apply.
Insure and Go do not have any specific exclusions regarding the use of ropes. However you are not covered for hikes over 5,000m in altitude.
Allianz Australia Insurance Limited new “Adventure Pack” add on now includes cover for outdoor rock climbing with use of ropes and appropriate safety gear.
(Whilst insurers such as 1Cover, AIG, Budget Direct, Citibank, Covermore, First For Women, itrek, Virgin Money, TID, SureSave, etc may NOT cover you for climbing when you need to use ropes, they do cover trekking, hiking, moutaineering in general.)
The million dollar question! Most tour guides will name the trek based on the degree of fitness needed, the amount of walking each day and type of terrain you’ll cover.
Mountaineering generally requires you to use ropes, crampons and other equipment, so these treks require specialist cover that not all travel insurers cover as standard.
Whether it is a gentle stroll in the foothills of Australia's Blue Mountains you are after, or a multi-pitch leviathan of an ice climb in the Himalayas of Nepal, there's no end of trekking and climbing options at your disposal!
Kathmandu Valley, Nepal: Perfect for relative trekking novices and hardcore veterans alike, the Kathmandu Valley is the gateway to the Himalayas.
Yunnan, China: China’s mountainous province of Yunnan is famous for its Tiger Leaping Gorge, maybe the most well known trek in southern China.
Inca Trail, Peru: Peru’s Inca Trail combines stunning scenery with fascinating history to provide an unforgettable experience to visitors.
Picos de Europa, Spain: The Picos National Park in Asturias, Spain provides a wealth of fantastic trekking options and is well worth a visit.
Himachal Pradesh, India: On the Indian side of the Himalayas is the Himachal Pradesh, home to some of the most rewarding terrain anywhere in the world.
Routeburn Track, New Zealand: Lord of the Ring’s fans rejoice; this trail winds its way through NZ’s Southern Alps, taking in breathtaking vistas along the way.
The Haute Route, France and Switzerland: There are few more stunning trekking locations anywhere in the world than the French and Swiss Alps.
Cradle Mountain, Australia: Take an unbelievable trip through Tasmania’s highlands on one of the trekking paths that criss-cross this region.
Trekking is generally a safe activity but, like all the best things in life, it is not without its dangers. Here are a few tips on how to avoid them.
Invest in High-sided Hiking Boots: Twisted ankles are among the most common trekking and climbing injuries. Make sure your hiking boots provide support to your ankles on uneven terrain and remember to watch your step.
Acclimatise Slowly: Altitude sickness is no joke and can seriously derail your trekking adventure. Do your research before you go and take the necessary precautions as you familiarise yourself with your surroundings.
Know Your Own Level: Only experienced trekkers should try to tackle high mountain routes alone. Know your level and stay within that level at all times to ensure a safe, thrilling and rewarding trip.
Stay with the Group and Heed Warnings: If you’re travelling with a group, don’t be tempted to wander off. Always heed warnings about local dangers. Stay attentive and alert and keep yourself safe.
Before you head off on the adventure trail it’s vital to read the policy wording (PDS) to ensure you understand what is and isn’t covered. Remember the level of cover and exclusions varies between insurers, so check it out to suss out what’s the deal with your chosen cover. And if there’s something you don’t understand you can contact the provider directly.
Carolina has been working exclusively in the travel insurance industry for over two years. With a customer consultancy background and currently studying law, she is a fine-print wizard who loves helping travellers find a policy that actually works for them. Speaking two languages and having travelled all over the world, Carolina discovered that she is not cut out for working holidays after a stint on her grandparents’ southern Vietnam farm, and is definitely a lounge-by-the-pool kind of lady.