Am I covered by Travel Insurance if I'm hiking or trekking?

World Nomads Travel Insurance offers hiking coverage for Canadians travelling abroad or out of province.

  • Coverage for trekking or hiking up to elevations of 3000 metres

  • An upgrade is required for elevations of up to 6000 metres

  • No coverage for more extreme expeditions, mountaineering or hiking and trekking over elevations of 6000 metres

If you’re not sure if we’ll cover your planned adventure or if it requires an upgrade, contact us before you purchase a policy, and we’ll let you know. 

How does it work?

If you become seriously ill or injured while trekking or hiking and need urgent medical assistance, coverage may include:

  • Emergency evacuation. If it’s urgent, medically necessary and pre-approved by the 24/7 Emergency Assistance 

  • Emergency medical expenses. For treatment at the hospital or by a doctor at the local medical centre

  • Ambulance. Should you require transportation to an appropriate medical facility to treat your injury

  • Repatriation. If you’re seriously ill or injured and unable to continue your trip.

Medical procedures must be pre-approved and arranged by the 24/7 Emergency Assistance team. 

What may not be covered?

The plans do not support reckless behaviour. We expect you to act responsibly and not deliberately put yourself in the path of danger. So, if you’re trekking or hiking while under the influence of alcohol or precariously dangling off the edge of a cliff just for laughs, you most likely won’t be covered. Other exclusions include, but are not limited to:

  • Climbing, trekking, hiking or mountaineering at an altitude of more than 6000 metres

  • Multi-day trekking or mountaineering under 6,000 metres that aren’t accompanied by a professional, qualified licensed guide, instructor or operator

  • Unsupported or solo climbing or solo expeditions, free mountaineering or free soloing

  • Expeditions within the Arctic Circle, Antarctic, Greenland, exploratory regions or new routes

  • Any medical transportation or additional expenses that are not authorized by the 24/7 Emergency Assistance team

  • Any costs once you get back home.

  • Search-and-rescue missions

  • Anything else that's listed in the exclusions on the policy.

This is only a summary of coverage and does not include the full terms and conditions of the policy.  It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions.  If you do not understand your coverage or if you have questions, just ask us.

 

 


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