A walking holiday may take you to a different country and you may require travel insurance while hiking.
While a walking holiday is a safe activity situations can happen and it is essential you protect yourself with travel insurance.
A few years ago I was on a walking holiday in Zermatt, Switzerland. We had taken the funicular to the trailhead and walking across a wooden platform on the trail slipped on black ice and fell. Although a minor accident, I hurt my ankle to the extent where I could barely walk and it really hurt. I saw a doctor and paid the bill for the X-rays and the small cast. I had travel insurance and was reimbursed by the insurance company upon my return.
Travel Insurance while hiking coverage you need:
• Medical coverage – when hiking outside your home country and have an accident medical costs can add up. It is important that you have a plan with a worldwide emergency contact which can advance funds to pay upfront if necessary. Most travel insurance plans require you to call the insurance company immediately if you have an accident.
• Baggage coverage – some of your hiking gear can be expensive and if lost while traveling can ruin your walking holiday. Baggage coverage, although usually limited can help.
• Cancellation coverage – While in Germany in September 2001 our group had our flights unexpectedly delayed for four days and incurred hotel, train, meal and phone call bills. Our insurance plan covered 50% of the cost upon presentation of receipts.
Important lessons regarding travel insurance when on a walking holiday:
• Always have travel insurance when leaving the country
• Report any medical situations immediately
• Always ensure you have a worldwide contact will advance funds if necessary
• Coverage should include at least medical and cancellation coverage
• Do not judge the coverage by price alone
• Check with the insurance company or travel agent regarding pre-existing conditions if applicable
• Nondisclosure of medical information can void your coverage even if the non-disclosed conditions or symptoms have nothing to do with the conditions causing your claim
• Carry the policy number and contact information with you during your holiday
A lot of people when traveling assume they are covered office plans or their credit card plans. Review these carefully as there may be limitations and exclusions on the coverage.
Interesting reading on hiking safety is The Worst Case Scenario Almanac: The Great Outdoors
The best benefit of travel insurance while hiking is the peace of mind it provides, knowing that you are protected if something unforeseen does happen.
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