Trekking in mountainous regions usually involves going to high altitudes. For example, if you plan to do an Everest Base Camp trek or reach the summit of Kilimanjaro you will trek to an altitude of well above 5,500 meters. Many other popular treks get up to 4,500 – 5,000 meters.
At these altitudes, traditional travel insurance just doesn’t cut it. Some insurance providers will cover you up to 3,000 meters, which is great for the alps, but not the Himalayas, Kilimanjaro or Aconcagua.
Why do standard insurance packages not cover high altitude trekking? The answer is simple: the risk of Acute Mountain Sickness (AMS), and its severe forms of cerebral and pulmonary edema, increase dramatically above 2,800 meters, as do the costs of emergency medical services and evacuation.
This means that you have to specifically select a trekking insurance package that will cover you at high altitudes. For places such as Nepal, Alps, Andes (e.g. Inca Trail treks) or Africa (e.g. Kilimanjaro), we recommend you get cover up to 6,000 meters.