MOUNTAINEERING INSURANCE: Coverages, Limits, and Buying Guide


Since 1990, Snow Card has been insuring mountaineers and climbers, and it is the most popular mountain sports insurer among non-BMC members (who have their own membership insurance). A Snow card is a popular choice for mountaineering insurance, trekking insurance, and climbing insurance for both non-BMC members and BMC members.

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Most insurers do not understand mountaineering insurance and treat it like ordinary travel insurance. Most general insurers lack the experience or 24/7 capacity to cope with the complications of mountain sports adventure tourists, particularly when it comes to dealing with emergency services and rescues.

Mountaineering Travel Insurance

Mountaineering insurance provides coverage for anyone who’ll be mountain climbing or trekking while overseas. Climbing dangers threaten mountaineers and hikers of all ability levels, especially those traveling abroad to prominent mountaineering areas.

The benefits of mountaineering travel insurance include accidents sustained when mountain climbing. Mountaineering and other adventurous activities are frequently excluded from travel insurance coverage. As a result, it’s critical to get a policy that includes mountain climbing coverage or a hazardous sports rider.

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Mountain climbing trip insurance offers, among other things, emergency medical evacuation coverage, surgery, emergency hospital visits, and repatriation benefits, among other policy advantages.

The maximum elevation covered by mountain climbing and hiking insurance policies is usually specified in the policy. Your claim may be refused if you’re hurt while hiking at 15,000 feet and your policy only covers injuries up to 14,000 feet. Also, when acquiring hiking trip insurance, keep in mind the elevation of your mountaineering trek.

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Top mountaineering locations include:

Who Needs Mountaineering Insurance?

Those planning to engage in any of the following activities should consider purchasing a policy that includes mountain climbing coverage:

  • Mountaineering
  • Climbing in the mountains
  • Hiking
  • Trekking

Why Do You Need Mountaineering Insurance?

  • Injuries sustained while mountaineering are covered.
  • Covers medical and emergency evacuation in the event of an emergency.
  • Provides benefits for AD&D in the event of death
  • Provides coverage for repatriation in the event of death.

Mountaineering Life Insurance

Most amateurs can purchase mountaineering life insurance at standard rates from most insurers. Because mountaineering is a high-insurance sport, your rock climbing life insurance policy may be subject to specific terms or premium loading. Life insurance for rock climbers, mountaineers, and hill walkers will require you to disclose comprehensive information about your climbing activities to insurance underwriters, which may also affect whether you are eligible for regular rates.

What is the cost of mountaineering life insurance?

The amount your mountaineering life insurance will cost you, depends on your climbing activity and the severity of your climbs. During your mountaineering life insurance application, insurance underwriters may ask you the following questions:

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  • How frequently do you go climbing?
  • What kind of climbing do you do (for example, rock climber, mountaineer, or hill walker)?
  • What kind of climbing experience or qualifications do you have?
  • Furthermore, what is the ascent/difficulty level of your climbing activity?
  • Where are your favorite places to climb?

Your premiums for mountaineering life insurance will also depend on:

  • Guaranteed sum (pounds sterling)
  • Coverage period (years)
  • The policy type (e.g. Family, Mortgage, Whole of Life etc.)

Rates and ratings for mountaineering life insurance

A mountaineering life insurance policy should be simple to purchase with conventional conditions for most UK-based recreational climbers. You may have special terms applied to your insurance coverage if you climb outside the UK or if the grade of ascent for your climbing sport is severe.

Percentage (%) loading for Mountaineering life insurance

Your monthly premiums will be enhanced by a certain proportion if a percentage loading is applied to your mountaineering life insurance policy. Insurance underwriters use a risk-based scale to apply percentage loading, so if your climbing activity is considered high-risk, you’ll probably notice some percentage loading. It’s also vital to keep in mind that the amount of permitted loading varies, and you might be able to get high-risk rock climbing life insurance with higher loading elsewhere (e.g., 250 percent or 400 percent).

Mountaineering life insurance per mille loading

As a result, you’re unlikely to see a “per mille loading” applied to your rock climbing life insurance. “Per mille loading” raises premiums by a set amount (e.g. £1, £2) per thousand pounds of life cover. It’s worth noting that “per mille loading” can be very flexible, as insurance underwriters can choose to apply ‘per mille loading’ for a set period.

Travel Insurance Mountaineering Cover

There is a certain amount of risk involved with embarking on a climbing and mountaineering vacation. It is critical to purchase the appropriate travel insurance policy. This is why we created our climbing trip insurance and mountaineering insurance policies. While some climbing and mountaineering adventures are relatively risk-free, ascending to the summit of Mt. Everest, for example, is significantly more dangerous.

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Climbing in the Himalayas, scaling Toubkal, North Africa’s highest peak, mountaineering among the volcanoes of Ecuador, Guatemala, and Iceland, or exploring the Atlas Mountains of Morocco are just a few of the fantastic places to enjoy the sport. Climbers have a plethora of options at their disposal.

Anyone who goes on regular climbing or mountaineering expeditions throughout the year will benefit from purchasing a multi-trip annual package. Choosing a group travel insurance package might save money for groups and families going to the mountains together.

When deciding whether or not to get additional coverage, consider the level of risk associated with your intended activities. You won’t need the add-on if you’re going on a short day hike.

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Another thing to think about is how high you’re going. Many mountaineering insurance policies have a maximum altitude limit. Most only cover up to 15,000 feet, while some only cover up to 11,500 feet. With the inclusion of the hazardous sports insurance plan, USAway Insurance provides coverage for elevations up to 10,000 feet for mountaineering and 20,000 feet for trekking. The Beacon plans are another choice, as they cover mountaineering up to 14,763 feet.

How much cover do I need?

Make sure you account for all of your expenses when deciding how much rock climbing life insurance to apply for. We can’t tell you how much rock climbing life insurance you’ll need, but we can give you some general ideas. It’s crucial to keep in mind that your rock climbing life insurance premiums may go up following underwriting.

Mountaineering life insurance amounts of cover

  • The amount of money you still owe on your mortgage.
  • Any pending debts (e.g. Loans, second charge, credit cards, and others)
  • Relying on Parties
  • Partner or Spouse
  • Annual Earnings (after Tax)
  • Any monetary assets (e.g. car, house, business, etc.)

See the Iam Insured insurance calculator if you’re unsure or need more information to figure out how much rock climbing life insurance you’ll need to protect your family and property.

Critical illness coverage amounts for mountaineering insurance

Applications for rock climbing life insurance critical illness cover will generally be available at standard terms but could feature special terms for high-risk climbing activity. Should you become unable to work, a rock-climbing life insurance critical sickness coverage will pay you a tax-free lump amount. As a result, if insurance underwriters determine that your climbing activity poses a higher risk because of the ascent, specific clauses may be applied to your rock climbing life insurance critical illness protection. Premium loading and/or ‘exclusions’ from climbing activities are examples of special phrases.

Mountaineering income protection levels of cover

Mountaineering life insurance, critical sickness coverage, and income protection both payout if you can’t work. Unlike critical illness insurance, which pays out in one big sum, income protection pays out in monthly installments. Standard terms are usually available for recreational climbers, and more severe ascents will usually lead to special terms being added to your insurance policy.

Insurance for Mountaineering

It’s critical to match your trip intentions to your travel insurance, whether you’re planning a casual trek or an expert-level climb. Only paying for your hospital stay out of your own cash is worse than spending your holiday in the hospital. To ensure peace of mind, Insubuy offers a selection of travel insurance and hazardous sports coverage. Our licensed and experienced representatives will assist you in selecting the best plan for your needs.

Which insurance companies provide life insurance for mountaineers?

Rock climbing life insurance should be available to most recreational climbers at conventional rates. Special words may apply to climbers, mountaineers, and hill walkers who desire to scale greater heights. Iam Insured may be able to assist you if you are having problems obtaining an acceptable insurer owing to your climbing hobby. Iam Insured is a specialist rock climbing life insurance company that can assist you in finding the finest life insurance policy for you.

Frequently Asked Questions

Why do we even need insurance? Especially if we are just walkers.

For many years, Mountaineering Scotland has included liability insurance as part of its membership package, assuring clubs and individuals that they are covered in the case of serious incidents or claims against members and clubs. Many clubs consider insurance coverage to be necessary in order to continue operating as a club.

Can we not just move to another insurance provider?

Our insurance brokers, who are experts in this industry, consulted a number of potential underwriters. The current cover is specialized, and of those who were willing to quote for our business, this was the most cost-effective way to keep our current level of coverage.

Why Use a Specialist Mountaineering Travel Insurance Provider?

Mountaineering activities are connected with substantially more complex hazards, and typical travel insurance will not have policies that cover the broad needs of mountain sports travelers, who will be exposed to scenarios that require skilled claims handlers.

Based on over 30 years of underwriting experience in mountain sports insurance, we have devised what we think to be the greatest mountaineering travel insurance cover.

Snow card plans are of the greatest quality, with the best underwriting security, and are backed by seasoned market leaders who have worked with Snow card clients for many years and understand their need for mountain sports insurance reliability and trust.

As a qualified instructor, do I need insurance?

If you work for a living, you should be covered by insurance. Full members of the Mountain Training Association have access to discounted public liability and professional indemnity insurance.

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