Hiking & Trekking Travel Insurance
Whether you’re planning a leisurely day-walk in the countryside or a multi-day trek across rugged terrain, having the correct travel insurance gives you peace of mind. This guide explains the difference between hiking and trekking, what you need to check in your policy, and how to choose cover that’s right for your trip.
What Is Hiking VS Trekking?
Hiking generally refers to walking on marked trails or footpaths, often as a day trip or a short walk close to civilisation. It involves minimal risk, no overnight stays, and requires only standard outdoor footwear and clothing.
Trekking usually involves longer, multi-day journeys through remote or mountainous terrain, often with overnight stops (camping or lodges), potentially changing weather, and greater physical demands. Trekking may also involve higher altitudes or harder terrain.
Ask yourself two questions about your current travel insurance –
Am I covered on a standard policy for altitude or guided treks?
Many policies exclude altitude
Does standard travel insurance cover a trip where trekking is the main purpose?
No. Not usually
Tailored Travel Insurance for Hiking and Trekking— with Real Protection Where You Need It
Hiking and Trekking Travel Insurance vs Standard Travel Insurance
Most generic travel insurance is designed for city breaks and sun loungers. It rarely stretches far enough for hikers or trekkers. High altitude routes, remote areas, lost technical gear and missed summit attempts often sit firmly on the exclusions list. That is why specialist hiking and trekking cover exists, and why it makes such a difference once you step away from everyday holiday territory.What our specialist hiking and trekking insurance includes
- Equipment protection for the important stuff, whether that is hiking boots, poles or technical climbing kit
- Trip interruption cover when injury, altitude or rough weather forces you to change plans
- Altitude medical support including rescue and emergency treatment when the thin air hits harder than expected
- Route ready cover for popular trekking and hiking destinations from Kilimanjaro to the Alps and beyond
- Gear delay compensation when your bag takes its own holiday and leaves you without essential kit
- Personal liability and medical cover for the slips, trips and surprises that come with exploring rugged terrain
Annual or Short Term
A Travel lots, pay less
Committing to an annual policy can often work out better value than buying cover for each trip, while still keeping you protected for every weekend adventure or week-long holiday abroad.
Plus, our policies can cover multiple sports, so you could be set for your summer hiking adventures and still have cover ready for your winter skiing trip; no last-minute insurance scramble required.
B No commitment
Not travelling all the time, or not ready to sign up for a full year? No worries. Our short-term, single-trip policies might cost a little more per trip, but they give you all the flexibility you need and the same handy suite of covers as our annual travellers.
Discounts
Heading off with your other half or the whole gang? We think that should be fun, not a headache for your wallet. That’s why couples get a break on the second traveller. One policy covers you both, and let’s be honest, one set of claims is usually enough drama for anyone.
Families get an even sweeter deal. Extra kids are added at a lower rate, so a family of four ends up paying just a little more than two adults. Single parents, don’t worry, the same clever scaling applies. Basically, we won’t charge you double just because there are more of you.
It all makes sense: more people on one policy doesn’t mean double the risk, and it certainly doesn’t mean double the paperwork. So grab your crew, pack your bags, and enjoy the trip. We’ve got the cover sorted at a fair price, no fuss, no nonsense.
Hiking and Trekking Travel Insurance Cover summary
Travel Insurance benefits |
Limit |
| Emergency Medical Expenses | £10,000,000 |
| Emergency Repatriation | £10,000,000 |
| Trip Cancellation | £2,500 to £10,000 |
| Dental Treatment | £250 |
| Hospital Benefit | £500 |
| Baggage | £2,500 |
| Travel Documents | £500 |
| Delayed Baggage | £250 |
| Personal Money | £500 |
| Departure Delay | £250 |
| Holiday Abandonment | £5,000 |
| Missed Departure | £1,000 |
| Missed Connections | £20,000 |
| Personal Accident | £20,000 |
| Death Benefit | £10,000 |
| Personal Liability | £2,000,000 |
| Car Hire Excess Protection (optional) | £5,000 |
Sports covers | Limit |
| Owned or Hired Sports Equipment | £500 |
| Sports Equipment Upgrade (optional) | £2500 to £5,000 |
| Sports Equipment Emergency Hire | £500 |
| Sports Equipment Repatriation | £250 |
| Sports Activity Interruption | £500 |
| Race/Event Entry Fees | £750 |
| Gadget Cover | £2,000 |
Welcome to our Hiking and Trekking Travel Insurance FAQs
We can answer all your questions related to our Hiking and Trekking Travel Insurance. If you can’t find the answer you are looking for after looking through the FAQs, you can call us Monday through Friday from 9 a.m. to 5 p.m. We typically answer the phone in under 30 seconds
Our policy is built for climbers, whether you’re tackling trad routes, sport climbs, or indoor walls abroad. You must be part of an organised group or with a qualified guide on recognised routes.
Yes, we include up to £500 cover as standard with an option to extend up to £10,000 to cover your boots, crampons, axes, harnesses and anything other sports equipment you might be travelling with.
Our policy includes emergency medical cover, evacuation, and repatriation—even from remote locations.
We include trip cancellation cover for unexpected illness or injury, so you won’t lose out financially.
Usually not. Most standard policies only cover hiking or trekking when it is incidental to your holiday. If the whole trip is built around the trail, you normally need specialist cover.
Rarely. Many policies set strict altitude limits or exclude altitude illness entirely. Specialist trekking insurance is designed for routes where the air gets thin.
Usually, only basic baggage rules apply, which often fall short for technical kit. Our specialist cover includes protection for trekking boots, poles, climbing equipment and essential gear.
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About Us
Our love for Sport runs deep and is ingrained in every aspect of our organisation. We understand the exhilaration, challenges, and joys that come with every adventure. This passion has fuelled our dedication for more than 10 years to provide the best insurance solutions tailored specifically for sport.
