Travel Alert: Cover is excluded for COVID-19 or countries with "Do Not Travel" or "Reconsider Your Need To Travel" overall advice levels.

Hiking and Trekking Travel Insurance

Hiking and trekking travel insurance provides cover for emergency medical and hospitalisation, repatriation, evacuation, cancellation and more. Find out why you need travel insurance for your hike or trek.
Mountain peak hiking

Why do I need travel insurance for hiking and trekking?

Trekking to Everest Base Camp, Machu Pichu, Mont Blanc or Mount Kilimanjaro, tramping the Routeburn Track in NZ or taking on the Kokoda trail? Whatever your opinion is on what the best treks in the world are, you should consider taking out hiking travel insurance to cover you just in case your trekking expedition doesn’t go to plan.

While you can be as meticulous as you can in your preparations for your trek, there are situations you may not be able to control, including:

  • Getting sick or injured before you leave for your hike.
  • Getting sick or injured during your trek, including sprains, cuts, hypothermia, dehydration and altitude sickness.
  • Bad weather or natural disasters preventing you from going on your trek.
  • Your hiking gear and equipment being lost, stolen or damaged.

And that’s where travel insurance for hiking may be able to reimburse you for any out of pocket expenses that you incur in the event of an emergency.

Heads Up: While we appreciate the differences between trekking, hiking and tramping, to make things simple, we’ll be using the words “hike” and “trek” interchangeably on this page.

5 Things you should know about travel insurance for trekking

  1. Cover for repatriation: Travel insurance for trekking includes cover for evacuation or repatriation, if required, in a medical emergency.
  2. Travel insurance for medical cover: Medical and hospitalisation cover can reimburse you for your medical expenses in case you’re unexpectedly sick or injured during your hike.
  3. Cover if you have to cancel your trek: Cancellation cover can be included in your travel insurance for your trekking trip and can protect the payments that you’ve already paid.
  4. High altitude cover: You’re automatically covered to hike up to 3000m. If that’s not enough, you can take out the Adventure Pack to be covered up to 6000m.
  5. 24/7 Emergency Assistance: Our Emergency Assistance team includes fully trained doctors and nurses who are here to help you 24 hours a day, 7 days a week.
Guy backpack
Helicopter

Can I get trekking travel insurance with helicopter rescue?

For overseas treks, if you have a serious medical or life threatening emergency, your trekking travel insurance can cover for you to be evacuated to a hospital or safer location.

In these types of situations, you should contact the Emergency Assistance team to assist you and they will organise your evacuation if it’s required.

Helicopter rescue or evacuation is not covered if you’re hiking in Australia.

What is included in travel insurance for hiking?

Depending on the type of travel insurance and the add-ons you choose for your trek, you can have cover for:

Evacuation and repatriation in a medical emergency

If you’re seriously injured or sick while on your hike, you can be covered to be evacuated to a hospital for treatment, or repatriated back to Australia if it’s deemed necessary.

Medical and hospital expenses cover

Getting sick or injured on your trekking holiday is definitely not on anyone’s agenda. If you’re struck down unexpectedly, you can claim for the medical and hospital expenses that you incur.

Cancellation of your trek due to unexpected and unforeseen events

The Cancellation benefit can reimburse you for the payments or deposits you’ve already made towards your trip, not just for the trekking tour itself, but also any flights and accommodation.

This means that you’ll have cover if you’re unexpectedly sick and not able to go on your trek, or if you must cut your trek short because you’re in an accident or become sick.

High altitude trekking

We like a bit of adventure too, that’s why our policies automatically cover you to trek up to 3000m. But if you’re planning on trekking over 3000m or doing the Kokoda trail, the Adventure Pack Add-on can cover you to do high altitude trekking up to a maximum of 6000m.

You should be aware that this cover is available provided the trek you’re doing doesn’t require you to use specialist climbing equipment.

Luggage and personal belongings

You can have cover for the trekking accessories that you need for your trek (but not while you’re using them), including your hiking  backpack, sleeping bag and trekking poles up to $750 each, and your phone or camera to capture that all important selfie on the summit.

Disruptions to your trip

If you have to return home because you, your travelling companion or a family member back home is seriously sick or injured or natural disaster prevents you from continuing your trek, you can claim for the additional transport and accommodation expenses that you incur.

Valuable items

We know that hiking and trekking gear doesn’t come cheap. If you want to increase the cover on some of your hiking essentials, you can pay an additional premium to specify the value for them.

Theft of cash

If your cash of up to $250 is stolen from you while you’re on your hike or from a secure locked compartment, you can claim to be reimbursed for this loss.

Travel delay expenses

If your planned transport is delayed for more than 6 hours from the scheduled departure time, the travel delay benefit provides cover for your additional expenses including accommodation, food and taxi fares that may arise as a result of the delay.

Special event transport expenses

If you’ve booked to go with a trekking company and your booked transport is delayed or cancelled, which means that you’ll miss the start of your trek, you can be reimbursed for the cost of another mode of transport to get you there on time.

Loss of travel documents

If your passport, credit or debit card is lost, stolen or damaged, you can claim for the expenses that you incur to replace them.

You can also have cover for the extra travel and accommodation expenses that may arise if you’re prevented from continuing your travels because you needed to recover your travel documents.

Return ticket not required

Not sure how long you’re going to be trekking and travelling for? As long as you’re intending to return to Australia after that hike, you don’t need to have already booked a return ticket.

You can extend your policy and trek the world up to a maximum of 2 years!

What isn’t included in travel insurance for my trek?

Travel insurance for trekking can’t cover you for:

We can only provide cover if you’re hiking or trekking as an amateur. If you’re hiking or trekking professionally or in a competition, our travel insurance for hiking may not be the right one for you. You should look to get cover from a specialist trekking company to provide you with cover.

There’s no cover if you need to use specialist climbing equipment for your hike or trek, even if you’re bringing the equipment “just in case”.

There’s no cover for any equipment that you rent for your trek – you should check with your rental company if they’re able to provide cover for the rental equipment.

Climbing mountains requires specialist climbing equipment, which isn’t something that we can provide cover for. You should look for cover for this type of trip with a specialist company.

We automatically cover 43 pre-existing medical conditions. If you have a pre-existing medical condition which isn’t on our list, including previous surgery or broken leg, there’s no cover for any claims directly or indirectly arising from your pre-existing medical condition. This includes any out of pocket medical or cancellation expenses.

We automatically cover you to hike or trek up to 3000m, and with the Adventure Pack, for trekking up to 6000m.

If you need travel insurance for hiking up to 4500m, and don’t take out the Adventure Pack, there’s no cover for any claims that may arise from you trekking between 3000m and 4500m.

There’s absolutely no cover if you go trekking over 6000m, as the maximum altitude that you’re covered for with the Adventure Pack is 6000m.

Many popular trekking routes require you to have a permit to be able to participate, including trekking in Nepal, the Inca Trail (Machu Pichu) and the Kokoda Track.

If you’re turned away from your planned trek because you didn’t get a permit, there’s no cover for any expenses you’ve outlaid for the trip. A limited number of permits are released each year for some treks, so make sure you’ve secured one before you go!

If you’re hiking or trekking in Australia and you’re sick or injured during your hike, you’ll be able to use your Medicare and private health insurance. There’s no medical or evacuation cover under our Domestic Plus policies.

Will the Coronavirus pandemic affect my hike or trek?

The conditions around the Coronavirus pandemic will evolve and change over time.

You should keep an eye on developments surrounding the COVID-19 pandemic situation before and during your hike or trek, even if it’s only in Australia. These developments may affect the cover on your hiking travel insurance.

Useful resources to keep an eye on include:

Please note there is a General Exclusion for Pandemics and Epidemics, which means there is no cover for SARS-CoV-2 virus, the COVID-19 disease or any mutation of either.

Am I covered if I need to use specialist climbing equipment for my trek?

No, trekking insurance can only provide you with cover if your trek doesn’t involve the use of specialist climbing equipment for any altitude level, even if you’ve taken out the Adventure Pack Add-on.

If you’ll be using specialist climbing equipment, you should look for a specialist company to provide you with the cover that you need for your hiking holiday.

Young couple with trekking gear
Can I get travel insurance for hiking up to 3000m?

Yes you can! We automatically cover you for hiking up to 3000m.

Is there trekking insurance over 4000m?

Trekking over 4000m requires the Adventure Pack to be added to your trekking travel insurance policy.

You can then have cover for trekking over 4000m and up to a maximum of 6000m.

 

Can I get trekking insurance up to 5000m?

Again, yes! Add the Adventure Pack to your trekking travel insurance for an additional premium and you’ll have cover to trek up to 5000m in altitude.  

How can I buy travel insurance for hiking up to 6000m?

Buying travel insurance for hiking up to an altitude of 6000m is easy: simply add the Adventure Pack to your hiking travel insurance policy.

When getting a quote online, you can add the Adventure Pack in the “Add Extras” section of the quote.

If you need help, send us an email to info@fastcover.com.au or call us on 1300 409 322.

What type of high altitude travel insurance do I need for my trek?

There are many different hiking and trekking options around the world to suit any type of hiker. Before you embark on your trek, make sure that you do the necessary research to ensure that you’re physically and mentally fit to take it on.

Here are a few popular trekking destinations that you can consider, if our policies can automatically cover you, or if the Adventure Pack is required:

Destination

Altitude

Policy cover

Appalachian Trail, USA

2037m

Green tick

Camino de Santiago, Spain

1530m

Green tick

Everest Base Camp, Nepal

5600m

adventure activities skydiving

Inca Trail, Macchu Picchu, Peru

2430m

Green tick

Inca Trail, Dead Woman’s Pass, Peru

4215m

adventure activities skydiving

Kokoda trail, Papua New Guinea

2190m

adventure activities skydiving

Mount Kosciusko, Australia

2228m

 Green tick

Mount Kilimanjiro, Tanzania

5895m

adventure activities skydiving

Overland Track, Australia

1617m

Green tick

Routeburn Track, New Zealand

1300m

Green tick

Tongariro Trail, New Zealand

1886m

Green tick

Torres del Paine, Chile

2884m

Green tick

Tour du Mont Blanc, France, Italy and Switzerland

4810m

adventure activities skydiving

Yosemite National Park, USA

3997m

adventure activities skydiving

 

Regardless of the level of high altitude trekking that you’re covered for, you can only have cover if the trek doesn’t involve the use of specialist climbing equipment, even if you’ve taken out the Adventure Pack.

 Legend:

Green tick   Automatically covered
adventure activities skydiving   Need Adventure Pack Add-on
Australia
Can I get hiking travel insurance in Australia?

You’re automatically covered for hiking in Australia! With our highest peak of 2228m being Mount Kosciuszko, you won’t need the Adventure Pack (unless you want to do other activities like outdoor rock climbing). So, if you’re looking for travel insurance for trekking Mount Kosciuszko, hiking in Tasmania, the Blue Mountains, Snowy Mountains or any other hikes in Australia, our Domestic Plus policies can automatically provide you with cover.

Travel insurance for hiking or trekking in Australia can cover you for:

  • Cancellation costs you incur if you’re unexpectedly sick or injured and you’re unable to go on your hike.
  • Disruptions to your hike because a family member back home is seriously sick and is hospitalised, or severe weather prevents you from continuing your hike.
  • Rental vehicle insurance excess is covered up to $5000 if you’re hiring a rental car during your hiking trip.
  • Travel delays of more than 6 hours
  • Expenses to get you to a special event on time if your planned transport is unable to get you there.
  • Your luggage, including hiking accessories.

Travel insurance for hiking in Australia does not provide medical or evacuation cover. If you’re injured or sick during your hike, you can use your Medicare or private health insurance.

Can I get travel insurance to do the Kokoda trek?

If you’re planning on hiking the Kokoda track, travel insurance for the Kokoda trek can provide you with cover if something goes wrong. While the altitude of the Kokoda Trail is under 3000m, it does still require the Adventure Pack Add-on.

Hiking the 96km Kokoda terrain is extremely challenging: you’ll be trekking in a rugged and remote location, ascending and descending very narrow jungle trails in high humidity, with very swift running rivers and streams. With that in mind, you should look for the best travel insurance for the Kokoda trek that suits you. You could also consider looking into the Kokoda trail tour companies which do the best Kokoda track tours for your situation, and the best time to do the Kokoda trail.

Can I get travel insurance for hiking Machu Picchu?

While hiking to Machu Picchu is undoubtedly the ultimate destination, the Inca Trail itself, with its ancient Incan ruins, settlements, tunnels, cloud forest and alpine tundra, certainly won’t disappoint.  

Whether you need travel insurance for trekking the Inca Trail or Machu Picchu, trekking insurance with the Adventure Pack Add-on can cover you for hiking the amazing Inca Trail to Machu Picchu.

Camping tent

What is the best travel insurance for Nepal Trekking?

If you’re looking for the best travel insurance for trekking to Everest Base Camp or the Annapurna Circuit, you should consider if the travel insurance policy for trekking in Nepal will be able to cover you for the type of Nepal trek that you’ll be doing.

Some things that you may want to be covered for include:

  • Medical cover should you become sick or injured while on your Nepal trek
  • Cancellation cover in case you’re not able to go on your Nepal hike due to sickness or injury
  • Cover for your trekking gear
  • 24/7 emergency medical assistance
  • High altitude trekking

Can I get travel insurance for trekking in Bhutan?

While a trek in Bhutan may not have the facilities as the more popular hikes around the world like Everest Bast Camp, treks in Bhutan can be a life changing experience with its scenic panoramas, unspoilt landscape and fewer hikers. Provided you take out a policy that will cover you for the altitude that you’re trekking to, you can have cover under your Bhutan trekking holiday insurance.

What is the best travel insurance for hiking Mont Blanc?

You’ll need to take out travel insurance for hiking over 4000m whether you’re planning to do a “glamp” trek up Mont Blanc in hotels or mountain huts (you can even opt for some vehicular support!), or toughing it out by camping. Mont Blanc has an elevation of 4808m, so the Adventure Pack is required to be added to your Mont Blanc trek travel insurance to ensure that you’re covered if something goes wrong.

Can I get travel insurance for climbing Kilimanjaro?

Yes, but with Mount Kilimanjaro soaring at an altitude of 5895m, make sure to add the Adventure Pack to your trekking insurance policy! Your cover gives you access to our emergency assistance team 24/7 just in case you’re sick or injured during your trek.

Star ranking
What is the best travel insurance for high altitude trekking?

All trekking holidays will be different for each traveller. The best trekking insurance for you is one which suits the type of trek that you’re planning on doing, including cover for high altitude trekking.

Some things to consider when looking for the best high altitude trekking travel insurance are:

  • What the trek will involve, including altitude and distance
  • What your particular circumstances are, including any pre-existing medical conditions
  • The things that you think are important to have cover for, and may include medical, evacuation and cancellation cover
Faq question mark
How can I compare trekking insurance?

When you compare travel insurance for trekking, you shouldn’t just look at the price of the trekking travel insurance, as the cover that they provide may differ between insurance providers.

To find the best value travel insurance for your trekking holiday, you should also check:

  • The benefits that the trekking travel insurance policy can provide you
  • What can’t be covered on your travel insurance for trekking
  • If the travel insurance for trekking is able to cover you for the type of trekking and other activities that you’re planning on doing
  • If evacuation cover is provided when you do your trek overseas

It’s always a good idea to read the Product Disclosure Statement (PDS) so you understand what your policy can offer you.

When should I buy my travel insurance for high altitude trekking?

You can purchase your hiking or trekking travel insurance cover:

  • Up to 12 months before you leave for your trek
  • Up to the day that you board your plane to travel to your trekking destination

However, an important consideration is: what will happen to the payments that you’ve already made for your hiking trip if you can’t make the hike, or you have to cut it short due to an unexpected emergency? You may lose the cost of your hiking tour (if you’re joining one), airfares and accommodation if you don’t have cancellation cover on your trekking insurance.

So if you become sick or injured and you need to cancel the trek, you could be left out of pocket if you don’t already have your trekking travel insurance policy with cancellation cover in place.

You may wish to consider purchasing your hiking travel insurance with cancellation cover as soon as you book and pay for your flights, accommodation and tours to get the full advantage of the cancellation cover on your trek travel insurance policy.

Can I buy trek travel insurance direct from Fast Cover?

Yes you can! You can get a trek travel insurance quote by:

  1. Going to our website to get a quote
  2. Sending us an email to info@fastcover.com.au with your enquiry
  3. Calling our friendly and helpful team to put together a quote for you on 1300 409 322.
FAQ guy

Hiking & Trekking Travel Insurance FAQs

You do not need to have a guide even if you are hiking above 3000m.

However, to be covered for hiking above 3000m and up to a maximum of 6000m, you will need to add the Adventure Pack to your policy for an additional premium.

Note:
  • Hiking at any altitude is only covered if specialist climbing equipment is not required.
  • The Adventure Pack is NOT available with the Basics policy
  • You are NOT covered under the following benefits if you have the Adventure Pack:
    • Benefit 10: Permanent Disability
    • Benefit 11: Loss of Income
    • Benefit 18: Personal Liability

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

As the location is more than 3000m in altitude, you would need to take out the Adventure pack for an additional premium to be covered for travel to this destination.

Note:
  • The Adventure Pack is NOT available with the Basics policy
  • You are NOT covered under the following benefits if you have the Adventure Pack:
    • Benefit 10: Permanent Disability
    • Benefit 11: Loss of Income
    • Benefit 18: Personal Liability

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

If you are not able to get back from your hike due to a medical or life threatening situation, you would be covered to be evacuated to a hospital or safer location. Please contact the Emergency Assistance team, who will be able to assist you and organise evacuation if required.

If your circumstances are not due to a medical or life threatening condition, the Emergency Assistance team will review your situation and determine whether evacuation is necessary.

All claims are assessed on a case by case basis and will depend on your particular circumstances.

Cover is subject to the policy terms, conditions, limits and exclusions.in the Product Disclosure Statement (PDS).

Yes, the use of crampons for hiking and trekking would be considered specialist climbing equipment.

There would be no cover if you will be going on a hike or trek which requires the use of crampons.

For more information, refer to our Product Disclosure Statement (PDS).

You are NOT automatically covered.
To obtain cover for hiking up to Everest Base Camp, up to a maximum of 6000 m, you will need to buy the Adventure Pack Add-on. This includes cover for altitude sickness and medical evacuation from the mountain if required.

Cover is subject to the policy terms, conditions, limits and exclusions.in the Product Disclosure Statement (PDS)..

Read more about the activities that we can provide cover for:

Specialised climbing equipment can include (but is not limited to) the following items:

  • Crampons to walk over snow or ice, 
  • Mountaineering helmet
  • Mountaineering boots
  • Gloves (other than cold weather protection gloves)
  • Avalanche beacons
  • Climbing using guides or ropes or rock climbing equipment
  • Use of oxygen
  • Carabiner - locking and non-locking types
  • Belay device
  • Rappel devices (descenders)
  • Ice axe 
  • Spinner leashes (minimise the consequences of accidentally dropping a tool) 
  • Anchor
  • Climbing Harness 
  • Probe

Our policies provide cover for hiking, trekking and tramping is automatically covered up to 3000 m, and up to 6000 m with the Adventure Pack, where specialist climbing equipment is not required.

Read about the activities that we can provide cover for:

The Adventure Pack provides cover for additional sports and leisure activities as listed below, which are not automatically covered. An additional premium applies.

    Note:
  • The Adventure Pack is NOT available with the Basics policy
  • From time to time we  may add additional covered activities, if you cannot see the activity you  want cover for in this list, check the list on our website.
  • Activities are not covered by your policy unless listed here or listed in the Automatically Covered Sports and Activities or on our website.
  • You are NOT covered under the following benefits if you have the Adventure Pack:
    • Benefit 11: Loss of Income
    • Benefit 18: Personal Liability
    • Benefit 10: Permanent Disability
Additional activities covered by the Adventure Pack
  • Abseiling
  • Animal conservation and handling (under appropriate supervision)
  • Animal / Sealife encounters (in a controlled, enclosed environment with a licensed operator, no killer whales and no free diving)
  • Battle re-enactment (not with firearms)
  • Boxing (basic training only, no sparring, no competition)
  • Cave/river tubing
  • Caving/potholing 
  • Contact sports: basketball, rugby, Australian Rules football, American football, dodgeball, field hockey, water polo, hurling, Gaelic football, lacrosse, roller derby, and squash.
  • Deep sea fishing
  • Diving underwater using an artificial breathing apparatus at a depth no greater than 30 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities)
  • Expeditions to or on the Kokoda Track/Trail
  • Flying fox/zip lining
  • Hiking, trekking or tramping, peaking at altitudes between 3,000 metres up to 6,000 metres (not higher) but only where specialist climbing equipment is not required
  • Martial arts (basic training only, no sparring, no competition)
  • Outdoor rock climbing (with ropes and appropriate safety gear; but not free climbing)
  • Quad biking & recreational all-terrain vehicles (only single rider and no jumping, racing or competition)
  • Rafting or kayaking in rivers or rapids graded IV or V under the International Scale of River Difficulty (but no competition or racing)
  • Sandboarding
  • Sailing from 11 to 15 nautical miles off any land mass (but not competition or racing)
  • Segway tours
  • Shooting moving targets, (e.g. clay pigeons) \
  • Tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (you must be in tandem with an instructor licensed for these activities)
  • Water skiing, jet skiing, speedboating, wakeboarding & tubing (must be with a licensed operator; no competition or racing; no stunts or jumping off ramps)

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

There is NO cover for hiking over 6000m, even if you have taken out the Adventure Pack.

You are automatically covered to hike up to 3000m only. To be covered to hike up to 6000m, you will need to take out the Adventure pack and pay the additional premium.

Whether or not you are covered for your accident depends on the altitude where the accident occurred:

  • Accident occurred at an altitude over 6000m: If you have the Adventure Pack and the accident occurs at an altitude of over 6000m, this would not be covered as the accident occurred when you were at an altitude of over 6000m.
  • Accident occurred at an altitude under 6000m and over 3000m: If you have the Adventure Pack, you would have provision to claim. If you do not have the Adventure Pack, you would not have provision to claim.
  • Accident occurred at an altitude under 3000m: You would have provision to claim in you have an accident.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS)

Things you need to know

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply. For travellers aged 80 and over, additional terms and conditions, limits and excesses apply.