The Hiker’s Guide to Getting Travel Insurance

The Hiker’s Guide to Getting Travel Insurance
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Some people travel to relax. Others get away to try new foods or visit historic sites. But thrill seekers travel in search of their next adrenaline rush. Adventure activities get your heart racing and the world has plenty to satisfy even the bravest, with things like mountain climbing, skiing, skydiving, motorsports, bungee jumping, white water rafting, and rock climbing to try.

But injuries sustained during such activities can quickly kill the thrill if you’re hit with the cost of emergency medical help, evacuations, flights and accommodation cancellations. That’s why it’s so important to get travel insurance – even more so than when you’re relaxing on a beach.

But what do you need to know about getting travel insurance as a thrill seeker? Bear these things in mind:

1. What activities will be covered

Before you purchase your insurance, you should find out what’s covered. While recreational sports (list below) are normally included, other more pulse-pounding activities vary slightly in the fine-print.

Be sure to compare travel insurance – including that most insurers won’t cover you for a solo dive, but may cover a tandem dive, provided it is with a licensed commercial provider.

Recreational activities generally covered:

  • Trekking
  • Surfing
  • Fishing
  • Horse riding
  • Kayaking
  • Basketball
  • Soccer
  • Tennis
  • Paintballing
  • Rowing
  • Cycling
  • Windsurfing
  • Golfing
  • Ice-skating
  • Swimming

2. What emergency costs will be covered

Will your insurance cover you for cancellations, lost baggage, or getting home after an accident? Make sure you check the small print. The main purpose of travel insurance is to cover the potentially high cost of medical treatment if an emergency happens abroad. According to, a policy should include the following medical coverage:

  • Emergency medical treatment costs, including hospital charges and ambulance fees
  • Returning you home following medical treatment abroad if you cannot use your original ticket
  • Reasonable additional transport and/or accommodation expenses for a close relative or friend to stay with you or travel to escort you if required
  • Temporary emergency dental treatment for the relief of immediate pain
  • 24-hour assistance helplines to offer support and advice about appropriate treatment

3. Whether personal liability will be covered

According to the Money Advice Service, a good travel insurance policy will give you personal liability cover for claims of $2 million or more. This covers you if you’re liable to pay damages due to accidental bodily injury to someone else, or for damage to someone’s property.

Do you normally buy travel insurance? Share your experiences and tips with us.