Getting The Right Mountain Travel Insurance

Dolomites, Trentino is a stunning mountain destination in Italy.

When buying mountain travel insurance, it’s important to get the right travel insurance for your mountain holiday.

Having specialist cover is essential if you’re thinking of going caving, kayaking, mountain biking, mountaineering, rock climbing, white-water rafting or other mountain pursuits.

The issue of safety is paramount at all times, but if events take a turn for the worst, you want to be safe in the knowledge that you and your mountain traveling companions will be looked after.

Be wary of the pitfalls of investing in a general travel insurance policy as you need to be as specific as possible. No two mountain holidays will be the same, so it’s vital to take the time to think carefully about what mountain activities are scheduled, plan accordingly and always read the small print.

Basic travel insurance may safeguard against losing luggage, but it probably won’t be suitable in the event of having to make a claim to repay any medical bills, which could be astronomically high, depending on which country you’re in.

Do your research.  From extreme sports insurance and hazardous sport insurance to winter sports travel insurance, there’s a range of different policies with different names.

Here’s a general set of travel insurance questions to ask: What exactly will I be covered for? Is medical insurance and personal accident insurance included? Is the cost of any potential treatment plus emergency transport factored into the price? Does dental treatment come as part of the cover? Do I need a particular policy for the mountain range I’m heading to? Is my equipment covered against damage, loss and theft?

If you’re a climber and mountaineer, make sure you know what altitude you’ll reach. What altitude you’ll be reaching needs to be considered as height limits may apply, while some insurance companies will have a maximum age so keep that in mind if applicable.

Or if you’re planning a skiing or snowboarding holiday, you may need to alter the travel insurance policy if you fancy some off-piste action.

Find out the pay-out policy regarding equipment, as you could only be eligible for a fraction of the actual cost of a particular item in the event of making a claim.

Finally, what’s the best way to buy travel insurance? Well, it’s well worth logging all your details into a price comparison website. Searching for worldwide travel insurance at moneysupermarket, for example, will bring up instant results from a range of insurers, making sure you get the best deal possible. With the right mountain travel insurance policy, you can get the most out of your next mountain holiday.

Image courtesy of Italian State Tourist Board.

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