Trekking travel insurance

Compare trekking travel insurance

It's really important to understand that while many insurers will cover trekking, you'll want to pay close attention to any restrictions or exclusions.

Brand	Altitude limit	Must use a licensed operator?	Other conditions	Apply
Freely	3,000m Adventure Activities Trip Extra can be purchased to get cover up to 6,000m, Everest Base Camp (fully organised tours) and the Kokoda Track	No	Trekking above 3,000m is only covered with the Adventure Activities Trip Extra, if the trek takes more than 2 days and specialist climbing equipment is not required.	Get quote
Zoom	3,500m Adventure & Sports Pack can be purchased to get cover for Kokoda Track expeditions	No	Does not cover trekking on the Kokoda trail.	Get quote
Fast Cover	3,000m Adventure pack can be purchased to get cover up to 6,000m and for Kokoda expeditions	No	Cover is included if specialist equipment is not required.	Get quote
Insure4less	4,000m	No	Does not cover any trekking in Nepal	Get quote
Travel Insuranz	4,000m	No	Does not cover any trekking in Nepal	Get quote
InsureandGo	5,000m Activities Plus can be purchased to get cover up to 5,500m and for multi-day treks over 8 days, such as the Kokoda Track	Yes (between 3,000 and 5,000m)	Only covers treks that are available to the general public and do not require special fitness levels or skills	Get quote
Tick	5,000m	Yes (between 3,000 and 5,000m)	Trekking up to 3,000m is covered with the standard $200 excess, but if you trek between 3,000m and 5,000m a higher $250 excess applies if you make a claim.	Get quote
World2cover	3,000m	Yes (unless on established paths with no specialist equipment needed)	N/A	More info
Cover-More	3,000m Adventure+ pack can be purchased to get cover up to 6,000m and for Kokoda expeditions	No	Cover is included if specialist equipment is not required.	Get quote
Southern Cross	3,000m	N/A	N/A
1cover	3,500m	N/A	N/A	More info
World Care	3,000m Adventure pack can be purchased to get cover up to 6,000m and for Kokoda expeditions	No	Does not cover trekking on the Kokoda trail

* Insurers will each have different limitations around mountaineering, climbing and/or abseiling activities that require specialised equipment like support ropes. This table was last updated October 2026

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What does travel insurance for trekking cover?

Trekking insurance covers many of the same situations as standard travel insurance, along with added protection for adventure-related activities:

You get injured on the trail

You'll be covered for any medical and/or hospital treatment you need, up to any stated limit as outlined in your travel policy.

You need to be evacuated via helicopter

Trekking travel insurance with helicopter rescue means that if you desperately need to get to a hospital, and there's no other way to get you there, your helicopter rescue will be covered.

Your equipment gets lost or stolen

Trekking travel insurance policies ​​will usually offer added protection for expensive gear that gets stolen or is lost, for example, by your airline.

Your trip gets cancelled

If you're forced to cancel your trek for unexpected reasons like bad weather, if it's listed as a claimable event it can cover the cost of trip expenses.

Are there any limits to what trekking and hiking insurance will cover?

Adventurous doesn't mean reckless, so each insurer will have a different set of conditions you must follow if you want your claims to succeed. Here are some of the most common conditions you'll find:

• You may only be covered to a specific altitude limit. Most trekking policies set a maximum altitude, usually between 3,000m and 4,000m as standard. Some insurers let you pay extra for an adventure pack that extends cover to 6,000m.
• You may only be covered if you go through a licensed operator. Some brands will only insure your trek if it's organised by a licensed commercial operator.
• You may not be covered if your trek requires specialised equipment. Most policies only cover basic trekking or hiking holidays, not mountaineering. If you need support ropes or abseiling gear, you probably won't be covered.
• You may have to disclose your plans. Some policies will require you to describe your plans before they'll sell you a policy.
• You have to take reasonable care. Almost every policy will contain language saying you won't be covered if you act negligently, and some trekking policies (especially ones that cover higher altitudes) will make this particularly clear – keep a close eye on your policy wording.
• You may have to buy an insurance add-on. Some insurers offer trekking cover as an add-on to their normal travel insurance policies. If you go through one of these, you'll need to buy the travel insurance policy and add trekking cover on top of that.

Our expert says

"You should be covered while trekking with most travel insurance, but watch the number of drinks you consume while camping. Alcohol can invalidate your claim if you have an accident."

Graham Cooke

Head of Consumer Research

How does hiking insurance cover helicopter rescue?

As a trekker, you'll often find yourself in inaccessible locations under often treacherous conditions. This makes helicopter rescue cover one of the most important features of trekkers and hikers insurance, and it's why every insurer offers it.

Your insurer will likely place some conditions around helicopter evacuation, so it pays to understand these before you go so you're not caught off-guard by a denied claim.

Here are the two conditions most insurers apply to helicopter rescue:

• It must be medically necessary. This means a licensed medical professional or licensed tour guide must determine that the rescue is the only way you can get the treatment you need.
• You must alert your insurer about your need for rescue. They will have medical assistance teams that can help organise the evacuation and guarantee payment with the hospital and medics.

Are you covered if you get lost?

We have identified two insurers that offer search and rescue cover: Insure4Less and Travel Insuranz. However, most insurers consider search and rescue to be a different beast from medical evacuation, where your location is known. This means that you will pay out of your own pocket for any search and rescue operation that's launched on your behalf.

The best way to avoid this situation is to organise your trek through a licensed tour operator. They may be liable for damages if it's their fault you get lost. Plus, they will have the means and expertise to conduct a search and rescue operation if it's needed.

Will you pay more for trekking cover?

On average, trekking insurance will be slightly more expensive than normal travel insurance but not all insurers work out their prices in the same way. For example, if you have a policy with Travel Insurance Direct you are automatically covered for trekking with the cost of specialised cover factored in.

On the other hand, if you take out a policy with World Nomads then you're only covered for treks up to 2,000m in altitude. For treks over this height, you will need to upgrade your plan and pay an additional premium on top of what you're paying for the normal policy.

At the end of the day, it's up to you to find or build a few policies that cover you for what you need them to and then compare whatever the final costs turn out to be.

Tips for staying safe when trekking overseas

• Get familiar with your equipment. Learn how to use your equipment before setting off on your trip, especially maps and GPS units.
• Plan your course. Selecting a trekking course starts with being realistic about your fitness levels, safety and accessibility in case of an emergency. If you're considering a course overseas, it might be a good idea to join a group tour. Group operators always insist that your policy makes provision for medical emergencies and evacuation.
• Check the weather. Be sure to check the weather forecast for the dates and location you're planning to visit.
• Find a guide. A guide will accommodate your pace and most likely will know the ins and outs of the trail.
• Know your limits. Go at your own pace, and don't be afraid to take a rest. Fatigue on tricky walking surfaces can easily result in injuries.
• Pack light (where possible). Take only the important essentials and you'll save yourself some of the hard graft.

What to do if you injure yourself on your hike

Here's what to do if you find yourself in a medical emergency overseas.

1. Contact your insurer. You must let your insurer know as soon as possible. A good policy will provide for immediate assistance in a medical emergency and arrange for hospital expenses to be covered. You'll also have to download, complete and send a claims form to the insurer, along with all the required documentation.
2. Provide supporting information to make the claim. You'll be asked to provide information to help the insurer better process your claim. This can include medical and police reports, statements from travel providers, original receipts and proof of ownership. Foreign-language documents must be translated into English.
3. Be accurate. Be as honest and forthcoming as possible when providing information and evidence.

Frequently asked questions

• What is the difference between trekking, hiking and mountaineering for insurance purposes?

  Trekking and hiking generally refer to walking on established trails that do not require specialist equipment like ropes, crampons or ice axes. Mountaineering usually involves climbing mountains where technical skills, ropes and specialist gear are essential. Most standard trekking policies cover hiking and trekking up to a certain altitude but exclude mountaineering. Always check your Product Disclosure Statement (PDS) for exact definitions and exclusions.

• Does trekking travel insurance cover pre-existing medical conditions?

  Like standard travel insurance policies, cover for pre-existing medical conditions is generally not automatically included. You will usually need to declare any pre-existing conditions during the application process and may need to pay an additional premium or accept an exclusion. Some conditions may not be covered at all. Read the PDS carefully and disclose all relevant medical history to your insurer.

• Is altitude sickness covered by trekking travel insurance?

  Yes, if your policy covers trekking to the altitude where you experience altitude sickness, then medical treatment for it should be covered under your emergency medical expenses. However if you trek higher than your policy's stated altitude limit and develop altitude sickness, your claim may be denied. Always adhere to your policy's altitude restrictions.

• Can I get travel insurance for domestic treks within Australia?

  Yes, you can purchase domestic travel insurance that includes cover for trekking within Australia. While the medical component might be less critical due to Medicare, domestic policies can still cover trip cancellation, lost luggage, personal liability and emergency evacuation if medically necessary. Always check the specific activity coverage and altitude limits for Australian treks.

• What should I do if my trek is unexpectedly interrupted or curtailed?

  If you need to cut your trek short due to an unforeseen event covered by your policy, you should contact your insurer as soon as possible. They can guide you on the next steps, advise on covered expenses and help arrange necessary travel changes. Keep all receipts and documentation related to your original trip and any new expenses incurred.

• What type of specialist equipment might void my trekking insurance cover?

  Insurers typically consider specialist equipment to include items like climbing ropes, crampons, ice axes, harnesses and other technical gear required for rock climbing, ice climbing or glaciated terrain. If your trek requires the use of such equipment, it may be classified as mountaineering or a higher risk activity and excluded from standard trekking cover. Check the specific exclusions in your policy's PDS.

Written by

James Martin

Journalist

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James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, Insurance News, 7NEWS and The Guardian. An experienced journalist, James' work has featured in publications including The Irish Times, Companies100 and In Business. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

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Cristal Dyer

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Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio