Basic Guidelines for Buying a Trekking Insurance Policy

Trekking in the difficult terrains of the Himalayas or in the continuous steep of Kedarnath is a challenge that involves both thrills and hazards. According to the reports from NASA’s Earth Observatory, the number of trek accidents in these iconic destinations has increased manifold. Annapurna-1 tops the fatality rate with 29% followed by K2 and Mt. Everest with 22% and 4% respectively.

There’s always an element of risk while embarking on a new trekking adventure. Even though you may not be going for such extremely challenging treks, even popular ones such as the Manas Sarovar or Rohtang Pass come with enough risks. Therefore, it is advisable to be prepared for unforeseen circumstances by availing trekking travel insurance policy before setting out.

What is trekking insurance?

This insurance policy ensures that all your setbacks during your trek are financially covered. These policies provide extensive coverage in case you face medical issues, emergency evacuation, loss or theft of valuables, etc. With a minimum amount of premium ranging between Rs. 600-700 per month, one can avail a sum insured of up to Rs. 1, 50,000.

Features of trek Insurance policy that you can’t choose to ignore

There are certain features that every trekking travel insurance policy should have in their list to be touted as one of the best.

  • High altitude climbing often causes loss of breath, dizziness, fluctuation in blood pressure and other discomforts. The best travel insurance for high altitude trekking should provide financial assistance for emergency hospitalization and evacuation of such individuals.
  • Trek insurance must assist with emergency travel assistance if someone is stranded while hiking.
  • In case your wallet is misplaced or stolen, the insurance policy can help you block your debit/credit cards. Additionally, the Wallet Care Pocket Insurance policy offered by Bajaj Finserv can help you block all your lost credit and debit cards with just a single call.
  • When hiking in the steep terrain, you may lose your valuable belongings and documents. Avail a trek or hiking insurance policy which can provide you with the necessary financial coverage in case of such situations.
  • Every trekker must avail a Solo Traveler Insurance cover who travels alone without any companion, to prevent himself / herself from unforeseen occurrences.
  • Hiking or rock climbing at high altitudes exposes the eye to reduced ambient cold and low pressure. Exposure to such conditions for a long duration can lead to various ocular problems. A comprehensive trekking insurance policy must include substantial sum insured to help policy holders in such cases.
  • Policies that provide coverage on loss or damage of essential commodities such as spectacles and keys can also be purchased by a policyholder while planning a trek.

Availing a Trek Cover Pocket Insurance policy is thus an unavoidable part of a proper pre-planned adventure holiday. Top financial institutions provide such insurance policies to trekkers.

The documents required to avail this insurance are –

  • KYC documents, i.e. identity proof and address proof, are required to be submitted.
  • Before availing this insurance policy, you need to present your travel safe membership letter.

It should be your priority to ensure that you are adequately insured for the total duration of your trip. All activities, excursions and destinations in your itinerary should be considered carefully before availing a travel insurance policy.

Refer to leading insurers for the most comprehensive coverage. Further, make sure to read the policy terms and conditions carefully before applying for an insurance policy. Note that Trekking travel insurance policies are supplemental policies with customized and specific points of coverage. They provide substantial coverage against a nominal premium amount which can be paid through multiple channels like net banking, credit cards, mobile wallets, etc.
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