Introduction
At Cover My Adventure, our mission is to make finding adventure travel insurance simple. We’ve reviewed numerous travel insurance for trekking policies to find those suitable for high altitude treks such as Everest Base Camp, Annapurna Circuit, Mt Kilimanjaro and the Inca Trail. This page contains our curated list of trekking travel insurance policies, detailing their key features and indicative costs. Cover My Adventure may earn a commission from some of the insurance providers featured. This does not affect how policies are selected or compared.
To learn more about why you need specialist travel insurance for trekking, check out our complete guide.
Why Won’t My Standard Travel Insurance Cover Me for High Altitude Trekking?
Most standard travel insurance policies classify high altitude trekking as an extreme activity. While they might cover hiking on marked trails at lower elevations, treks above a stated height ranging from 2,000m to 4,000m are often excluded. Most popular treks exceed this. Many policies also include additional restrictions such as:
- No cover for helicopter rescue or evacuation from remote regions.
- Only covering trekking as an incidental activity rather than as the main purpose of a trip.
- No personal accident or personal liability cover when trekking above a stated elevation. Personal liability cover protects you if you are liable to pay damages due to accidentally injuring someone or causing loss or damage to their property.
Inadequate cover could leave you personally responsible for thousands of pounds of medical evacuation and treatment costs.
✅For more detail, see our complete guide to high altitude trekking insurance.
When reviewing trekking travel insurance policies, we apply a clear methodology. Policies are assessed based on the unique risks faced by high altitude trekkers abroad. Only those meeting all of our criteria are featured on our curated list below.
Travel Insurance for Trekking Policies
The table below sets out the key features of each policy. This includes the price quoted for a 14 day high altitude trek in Nepal (Prices as at October 2025 for a 40 year female traveller with no pre-existing conditions). Some the insurers below offer multiple policies with varying levels of cover and cost. Some links may be affiliate links.
| Insurer | JS Insurance | SportsCover Direct | Big Cat | Adventures Insurance | Covered2Go |
| Policy | – Gold or Platinum – Trekking/Hiking (Nepal) selected as an activity | – Silver or Gold – Sports level 7 and below selected | – Standard or Premier – Nepal trekking activity pack selected | – Standard – Trekking 4,000m – 6,000m selected | – Gold or Platinum – Activity level 4 selected |
| Maximum trekking altitude | 6,000m | 7,000m | – Over 4,600m (outside Nepal) – Up to 7,000m (in Nepal) | 9,000m | 6,000m |
| Medical & repatriation cover limit | £5,000,000 | £10,000,000 | Standard £5,000,000 Premier £10,000,000 | £10,000,000 | £10,000,000 |
| Search & rescue cover limit | £50,000 | Silver £25,000 Gold £50,000 | Not stated | £50,000 | £50,000 |
| Personal accident cover limit | Gold £20,000 Platinum £50,000 | Silver £15,000 Gold £25,000 | Standard £15,000 Premier £25,000 | £5,000 | Gold £25,000 Platinum £40,000 |
| Personal liability cover limit | £2,000,000 | £2,000,000 | £2,000,000 | £2,000,000 | £2,000,000 |
| Trip cancellation cover limit | Gold £3,000 Platinum £7,500 | Silver £2,500 Gold £5,000 | Standard £2,000 Premier £5,000 | £5,000 | Gold £5,500 Platinum £10,000 |
| Other conditions | Must select separate activities for Trekking Kilimanjaro and Trekking Everest Base Camp | If helicopter rescue in Nepal is required, will pay a maximum of £5,000 with an applicable excess of £750 | If helicopter rescue in Nepal is required, all costs must be pre-authorised with an applicable excess of £1,500 | None noted | If helicopter rescue in Nepal is required, a higher excess of £875 is applied |
| Quoted price for a 14 day high altitude trek in Nepal | Gold £284 Platinum £384 | Silver £297 Gold £363 | Standard £317 Premier £337 | Standard £198 | Gold £144 Platinum £236 |
This information was compiled in October 2025, prices and policy details are subject to change. Before you buy, it is important to familiarise yourself with the policy details and conditions. Some links may be affiliate links.
✅ Click on the links below to visit the websites of our featured insurers and receive a tailored quote
Tips for Buying Travel Insurance for Trekking
- Declare all medical conditions. Any omissions could void your policy.
- Buy cover as soon as you book. This ensures you are protected for cancellations or unexpected events before departure. If you are already travelling, Big Cat allows you to purchase insurance after having left the UK and started your trip.
- Consider annual versus single trip cover. If you are planning more than one trip in a year, annual multi-trip insurance may be more cost effective than buying separate single trip policies.
- Once purchased, keep a copy of your policy handy. Then you can easily check cover details.
What If I Already Have a Standard Travel Insurance Policy?
If you already have a standard travel insurance policy which won’t cover you for trekking at altitudes greater than 3,000–4,000m, activity top-up insurance is another option. Offered by a limited number of specialist providers, these policies extend your existing cover for extreme activities such as high altitude trekking.
Activity top-up insurance is an additional policy that works alongside your existing travel insurance. Rather than replacing your main policy, it extends it to include sports or adventure activities not already covered, such as trekking at altitude. It is designed for travellers who already hold a standard or annual travel policy e.g. through their bank or credit card but need extra protection for a specific activity.
✅Learn more about activity top-up insurance in our comprehensive guide