{"id":71983,"date":"2025-02-06T18:34:06","date_gmt":"2025-02-06T18:34:06","guid":{"rendered":"https:\/\/som2nypost.com\/adventure\/trekking-and-mountaineering-insurance-for-australians-2025\/"},"modified":"2025-02-06T18:34:06","modified_gmt":"2025-02-06T18:34:06","slug":"trekking-and-mountaineering-insurance-for-australians-2025","status":"publish","type":"post","link":"https:\/\/som2nypost.com\/?p=71983","title":{"rendered":"Trekking and Mountaineering Insurance for Australians 2025"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div id=\"\">\n<p class=\"entry-meta\">Published <time class=\"entry-time\">February 2022<\/time> by <span class=\"entry-author\"><a href=\"https:\/\/www.cutlunchadventures.com\/author\/emma_huffamhotmail-com\/\" class=\"entry-author-link\" rel=\"author\"><span class=\"entry-author-name\">Emma<\/span><\/a><\/span>. Updated <time class=\"entry-modified-time\">February 2025<\/time>.<\/p>\n<\/div>\n<div>\n<p>We wrote this article to cover trekking and mountaineering insurance for Australians, as it\u2019s often hard to find. As we often search for our own needs, we decided to share our findings to help others. You can also check out our other articles on <a href=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance\/\">Trekking and Mountaineering Insurance<\/a> and <a href=\"https:\/\/www.cutlunchadventures.com\/covid-insurance-for-trekking-and-mountaineering\/\">Covid Travel Insurance for Trekking and Mountaineering<\/a>.<\/p>\n<p>Our focus is on insurance for high altitude and also for the use of mountaineering equipment when needed (helmet, crampons, ice axe, ropes, harness etc).<\/p>\n<p>We\u2019ve reviewed over 45 providers, encompassing insurance companies, rescue specialists, alpine clubs, climbing clubs, recommendations from expedition companies, aggregator &amp; comparison websites, blogposts, as well as talking to other trekkers and mountaineers. We update this post every 6 months.<\/p>\n<p class=\"has-small-font-size\"><strong>Disclaimer:<\/strong> This is general information based on our research. As always, you should read the latest policy fine print, online reviews and consider your own personal requirements. While we display Google Ads on this page, we are <span style=\"text-decoration: underline;\"><strong>not<\/strong><\/span> using affiliate links in the content of this article and do <span style=\"text-decoration: underline;\"><strong>not<\/strong><\/span> earn commission from any insurance companies that we mention.<\/p>\n<h2 class=\"wp-block-heading has-vivid-purple-color has-text-color\" id=\"h-the-australian-travel-insurance-market-2025\">The Australian Travel Insurance Market 2025<\/h2>\n<p><em><strong>Update Feb 2025:<\/strong> <a href=\"https:\/\/www.facebook.com\/share\/p\/1962TrBKno\/\">we read that<\/a> if you\u2019re in the UK\/EU and are going trekking in Nepal, that most insurers have a policy excess of \u00a3750\/\u20ac900 if you need to be rescued by helicopter for medical reasons.<\/em> So check the policy fineprint in case this becomes the trend in Australia. So far we\u2019ve only noticed 2 providers (Insure4Less and Flip) that don\u2019t provide insurance to Australians going to Nepal at all. We\u2019ve not seen any, as yet, which have a different excess for Nepal.<\/p>\n<p><strong>Most travel insurers now include some form of Covid cover<\/strong> \u2013 mostly for overseas medical expenses if you get Covid while travelling. So we\u2019re no longer including this in our analysis. If it\u2019s important to you then make sure you read the policy fineprint.<\/p>\n<ul class=\"wp-block-list\">\n<li>You can also read our post on <a href=\"https:\/\/www.cutlunchadventures.com\/covid-insurance-for-trekking-and-mountaineering\/\">Covid insurance and tips for minimising disruption to your expedition<\/a>.<\/li>\n<li>But check the rules as they can be unreasonable e.g. in 2023 we heard of a travel insurer who required a trekker to have a Covid PCR test before helicopter evacuation could be arranged. But of course it\u2019s impossible to get a PCR test when you\u2019re in a remote area!<\/li>\n<\/ul>\n<p><strong>There are some interesting newer providers<\/strong> with more modern websites and easier-to-understand language e.g.<\/p>\n<ul class=\"wp-block-list\">\n<li>Providers offering instant cash payouts:\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.passportcard.com.au\/\">PassportCard<\/a> relaunched in Australia in 2023 (previously TravelCard)<\/li>\n<li><a href=\"https:\/\/www.getflip.com.au\/go\/rock-climbing\">Flip<\/a> (via HCF) is for accident injury only. Just launched in 2021 it has a focus on adventure, has no altitude limits and doesn\u2019t exclude mountaineering and rock climbing. It now has 2 options: <strong>Flip Active<\/strong> for AU\/NZ and <strong>Flip Roaming<\/strong> for a very limited number of countries<\/li>\n<\/ul>\n<\/li>\n<li><a href=\"https:\/\/www.gofreely.com.au\/travel-insurance\">Freely<\/a> (via Cover-More\/Zurich) is a \u2018travel insurance and safety app\u2019<\/li>\n<li><a href=\"https:\/\/www.battleface.com\/en-au\/\">Battleface<\/a> is now available in Australia. It\u2019s OK for trekking (and has no altitude limits) but not mountaineering. However special mention is deserved for their innovative <a href=\"https:\/\/www.battleface.com\/en-au\/space-tourism\/\">Space Travel Insurance<\/a>! Battleface is underwritten by Pacific International, along with <a href=\"https:\/\/www.trippi.com.au\/\">Trippi<\/a>.<\/li>\n<\/ul>\n<p><strong>Some policies just don\u2019t make sense<\/strong> eg NIB policies allow up to 6000m but don\u2019t cover activities on snow and ice!!! (except for their skiing package). Not much help for mountaineering.<\/p>\n<p><strong>We\u2019ve now removed<\/strong> <a href=\"https:\/\/www.aigtravel.com.au\/\">AIG<\/a>, <a href=\"https:\/\/www.itrektravelinsurance.com.au\/\">iTrek<\/a> and <a href=\"https:\/\/virginmoney.com.au\/insurance\/travel-insurance\/additional-options\/adventure-pack\">Virgin Money<\/a> from our analysis because they stopped offering travel insurance during the Covid pandemic and haven\u2019t restarted. Note: <a href=\"https:\/\/www.virginaustralia.com\/au\/en\/book\/partner-offers\/travel-insurance-offers\/\">Virgin Australia<\/a> links you to Cover-More as their insurance partner.<\/p>\n<h2 class=\"wp-block-heading has-vivid-purple-color has-text-color\" id=\"what-to-consider-when-searching-for-trekking-and-mountaineering-insurance\">What to Consider when Searching for Trekking and Mountaineering Insurance<\/h2>\n<p>Read the section in our main article on <a href=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance\/#what-to-consider-when-searching-for-trekking-and-mountaineering-insurance\">Trekking and Mountaineering Insurance \u2013 What to Consider<\/a> which covers:<\/p>\n<ol class=\"wp-block-list\">\n<li>Decide what type of cover you need<\/li>\n<li>Create a shortlist of providers based on your minimum requirements<\/li>\n<li>Check other important factors<\/li>\n<li>Weigh up cost vs risk<\/li>\n<li>Read the fine print of the policy before you purchase it.<\/li>\n<\/ol>\n<h2 class=\"wp-block-heading has-vivid-purple-color has-text-color\" id=\"h-trekking-and-mountaineering-insurance-for-australians\">Trekking and Mountaineering Insurance for Australians<\/h2>\n<p>See the image below, or download it as a <a href=\"https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">free pdf<\/a> (no email required!) for a summary. You may need a combination of providers to get all the cover you need. Links in the image are listed below.<\/p>\n<p>For detailed descriptions of the types of providers, please refer to the section in our main article on <a href=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance\/#h-trekking-and-mountaineering-insurance\">Trekking and Mountaineering Insurance<\/a> that cover:<\/p>\n<ol class=\"wp-block-list\">\n<li>Check with your expedition company first<\/li>\n<li><a href=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance\/#remote-rescue-specialists\">Remote Rescue Specialists<\/a><\/li>\n<li><a href=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance\/#alpine-clubs\">Alpine Clubs<\/a><\/li>\n<li><a href=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance\/#travel-insurers\">Travel Insurers<\/a><\/li>\n<li><a href=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance\/#reciprocal-health-care-agreements-and-nz-acc\">Reciprocal Health Care Agreements and NZ ACC<\/a><\/li>\n<li><a href=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance\/#insurance-aggregators-comparison-websites\">Insurance Aggregators\/Comparison Websites<\/a><\/li>\n<li><a href=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance\/#online-reviews\">Online Reviews<\/a><\/li>\n<li><a href=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance\/#h-nepal-helicopter-rescue-scams\">Nepal Helicopter Rescue Scams<\/a><\/li>\n<\/ol>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><a href=\"https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025.pdf\" target=\"_self\" rel=\"noreferrer noopener\" class=\"custom-link no-lightbox\" title=\"Trekking and Mountaineering Insurance for Australians \u2013 Cut Lunch Adventures v11 \u2013 7 Jan 2025\" onclick=\"event.stopPropagation()\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"724\" data-attachment-id=\"12677\" data-permalink=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance-for-australians-cut-lunch-adventures-v11-7-jan-2025-3\/\" data-orig-file=\"https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1.jpg\" data-orig-size=\"1169,827\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Trekking and Mountaineering Insurance for Australians \u2013 Cut Lunch Adventures v11 \u2013 7 Jan 2025\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1-300x212.jpg\" data-large-file=\"https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1-1024x724.jpg\" src=\"https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_1024,h_724\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1-1024x724.jpg\" alt=\"\" class=\"wp-image-12677\" srcset=\"https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_1024\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1-1024x724.jpg 1024w, https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_300\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1-300x212.jpg 300w, https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_768\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1-768x543.jpg 768w, https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_1169\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1.jpg 1169w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"\/><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"724\" data-attachment-id=\"12677\" data-permalink=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance-for-australians-cut-lunch-adventures-v11-7-jan-2025-3\/\" data-orig-file=\"https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1.jpg\" data-orig-size=\"1169,827\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Trekking and Mountaineering Insurance for Australians \u2013 Cut Lunch Adventures v11 \u2013 7 Jan 2025\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1-300x212.jpg\" data-large-file=\"https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1-1024x724.jpg\" src=\"https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_1024,h_724\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1-1024x724.jpg\" alt=\"\" class=\"lazyload wp-image-12677\" srcset=\"https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_1024\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1-1024x724.jpg 1024w, https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_300\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1-300x212.jpg 300w, https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_768\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1-768x543.jpg 768w, https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_1169\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Trekking-and-Mountaineering-Insurance-for-Australians-Cut-Lunch-Adventures-v11-7-Jan-2025-1.jpg 1169w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\"\/><\/a><\/figure>\n<\/div>\n<p class=\"has-medium-font-size\"><strong><span style=\"text-decoration: underline;\">LINKS INCLUDED IN THE ABOVE IMAGE<\/span><\/strong><\/p>\n<p>We\u2019ve excluded those insurers that have put new policy sales on hold due to Covid: <a href=\"https:\/\/www.aigtravel.com.au\/\">AIG<\/a>, <a href=\"https:\/\/www.itrektravelinsurance.com.au\/\">iTrek<\/a> and <a href=\"https:\/\/virginmoney.com.au\/insurance\/travel-insurance\/additional-options\/adventure-pack\">Virgin Money<\/a> (note: <a href=\"https:\/\/www.virginaustralia.com\/au\/en\/book\/partner-offers\/travel-insurance-offers\/\">Virgin Australia<\/a> links you to Cover-More as their partner)<\/p>\n<p><strong>Rock climbing<\/strong>: some of the providers we reviewed allow for rock climbing even if they don\u2019t allow for the broader definition of mountaineering (with ropes, crampons, ice axe etc). Some have limits on altitude with rock climbing or certain types of rock climbing. We have not done a complete review of rock climbing as our focus is high altitude trekking and mountaineering.<\/p>\n<p id=\"remote-rescue-specialists\"><strong>Remote Rescue Specialists<\/strong><\/p>\n<p>(see main article for description <a href=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance\/#remote-rescue-specialists\">here<\/a>)<\/p>\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.globalrescue.com\/\">Global Rescue<\/a><\/li>\n<li><a href=\"https:\/\/redpointtravelprotection.com\/plan\/ripcord\/\">Ripcord<\/a><\/li>\n<li>if you have a subscription for your satellite communications device, check out any add-on options for search, rescue and medevac e.g..<\/li>\n<\/ul>\n<p id=\"alpine-clubs\"><strong>Alpine Clubs<\/strong><\/p>\n<p>(see main article for description <a href=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance\/#alpine-clubs\">here<\/a>)<\/p>\n<p id=\"travel-insurers-higher-altitudes\"><strong>Travel Insurers \u2013 Higher Altitudes<\/strong><\/p>\n<p><strong>Note:<\/strong> A lot of brands have the same underlying Insurers. However note that each brand is priced differently based on the specific cover they provide \u2013 so read the fine print. We\u2019ve also noticed that the process and service levels are not so good for policies sold by resellers or agents (rather than going direct to the main Insurer) \u2013 both for arranging evacuation and also when making claims.<\/p>\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.insure4less.com.au\/rock-climbing-travel-insurance\/\">Insure4Less<\/a><\/li>\n<li><a href=\"https:\/\/www.getflip.com.au\/\">Flip<\/a><\/li>\n<li>Pacific International-based policies: <a href=\"https:\/\/www.battleface.com\/en-au\/\">Battleface<\/a>, <a href=\"https:\/\/www.trippi.com.au\/\">Trippi<\/a><\/li>\n<li>Cover-More based policies (underwritten by Zurich) are sold by <a href=\"https:\/\/www.covermore.com.au\/\">Cover-More<\/a>, <a href=\"https:\/\/www.medibank.com.au\/travel-insurance\">Medibank<\/a>, <a href=\"https:\/\/ahm.com.au\/travel-insurance\">AHM<\/a>, <a href=\"https:\/\/insurance.webjet.com.au\/\">Webjet<\/a>, <a href=\"https:\/\/www.nrma.com.au\/travel-insurance\/international-travel-insurance\">NRMA<\/a>, <a href=\"https:\/\/www.gofreely.com.au\/travel-insurance\">Freely<\/a>. <a href=\"https:\/\/www.virginaustralia.com\/au\/en\/book\/partner-offers\/travel-insurance-offers\/\">Virgin Australia<\/a> is slightly different in that they link you to Cover-More as their partner.<\/li>\n<li>Allianz-based policies are sold by: <a href=\"https:\/\/www.allianz.com.au\/travel-insurance\/\">Allianz<\/a>, <a href=\"https:\/\/www.worldcare.com.au\/adventure-travel-insurance\/\">WorldCare<\/a>, <a href=\"https:\/\/boomerstravelinsurance.com.au\/\">Boomers<\/a><\/li>\n<li><a href=\"https:\/\/www.worldnomads.com\/au\/\">World Nomads<\/a><\/li>\n<li>Lloyds-based policies: <a href=\"https:\/\/fastcover.com.au\/hiking-trekking-travel-insurance\">FastCover<\/a>, <a href=\"https:\/\/www.zoomtravelinsurance.com.au\/\">Zoom<\/a>\n<ul>\n<li>Zoom allows outdoor rock climbing<\/li>\n<\/ul>\n<\/li>\n<li><a href=\"https:\/\/www.journeyman-services.com\/\">Journeyman<\/a> (via Campbell Irvine)<\/li>\n<li>Mitsui Sumitomo-based policies: <a href=\"https:\/\/www.insureandgo.com.au\/one-trip-travel-insurance\/\">Insure&amp;Go<\/a>, <a href=\"https:\/\/www.tickinsurance.com.au\/\">Tick<\/a><\/li>\n<li><a href=\"https:\/\/www.passportcard.com.au\/\">PassportCard<\/a><\/li>\n<li>NIB-based policies (underwritten by XL Insurance Company SE) are sold by: <a href=\"https:\/\/www.nibtravelinsurance.com.au\/\">NIB<\/a>, <a href=\"https:\/\/insurance.qantas.com\/travel-insurance\">Qantas<\/a>, <a href=\"https:\/\/travelinsurancesaver.com.au\/altitude-travel-insurance\/\">Travel Insurance Saver<\/a>, <a href=\"https:\/\/www.travelinsurancedirect.com.au\/\">Travel Insurance Direct<\/a> and <a href=\"https:\/\/www.cota.com.au\/products\/travel\">Cota<\/a>\n<ul class=\"wp-block-list\">\n<li>note that <a href=\"https:\/\/www.worldnomads.com\/au\/\">World Nomads<\/a> is also an NIB-based insurer but we\u2019ve listed this separately because unlike the other NIB-based policies they don\u2019t exclude activities on snow\/ice and they DO offer insurance for high altitude trekking (but not mountaineering). They also are the only one we\u2019ve seen so far that specifically call out that you\u2019re covered if the travel advisory changes <span style=\"text-decoration: underline;\">after<\/span> you bought the policy and booked arrangements\u2026 not to say that others exclude it though.<\/li>\n<li>also note that for Cota, while they say they provide insurance for senior Australians, there is no age limit for their Comprehensive or Annual plans<\/li>\n<li>if you\u2019re looking at any of the NIB policies (except for World Nomads) and need cover for snow\/ice then check with them and get their response in writing. We experienced conflicting views from Travel Insurance Saver: one trekker was told that they would be covered for trekking on snow\/ice yet when we submitted a query we were told that trekking on snow\/ice would not be covered<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p id=\"travel-insurers-lower-altitudes\"><strong>Travel Insurers \u2013 Lower Altitudes<\/strong><\/p>\n<p class=\"has-medium-font-size\"><strong><span style=\"text-decoration: underline;\">OTHER IDEAS<\/span><\/strong><\/p>\n<p id=\"h-credit-card-travel-insurance\"><strong>Credit Card Travel Insurance<\/strong><\/p>\n<p>Travel insurance that comes with your credit card can sometimes cover you, at least for your basic travel needs, but they are usually more restrictive than the purchased policies e.g.<\/p>\n<ul class=\"wp-block-list\">\n<li>Excluding travel advisories of \u2018reconsider your need to travel\u2019 as well as \u2018do not travel\u2019<\/li>\n<li>Excluding higher altitudes unless you purchase the adventure add-on<\/li>\n<li>The amount of cover you get is often not as much as policies that you buy<\/li>\n<li>Check what you need to do to activate the policy eg register the trip to get a policy, spend a certain amount on your trip using the credit card and have the bank statement to prove it<\/li>\n<li>Check whether the policy is still valid if your credit card has to be replaced<\/li>\n<\/ul>\n<p id=\"h-check-for-discounts\"><strong>Check for Discounts<\/strong><\/p>\n<p>It\u2019s worth checking with your health insurer or any other memberships you have in case they provide discounts on travel insurance.<\/p>\n<p><strong>Annual Policies<\/strong><\/p>\n<p>If you\u2019re doing a lot of travel then an annual policy is often cheaper than buying multiple policies.<\/p>\n<h2 class=\"wp-block-heading has-vivid-purple-color has-text-color\" id=\"h-tips-for-making-a-travel-insurance-claim\">Tips for Making a Travel Insurance Claim<\/h2>\n<p>Read the section in our main article for <a href=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance\/#tips-for-making-a-travel-insurance-claim\">Tips on making a Travel Insurance Claim<\/a> which covers:<\/p>\n<ol class=\"wp-block-list\">\n<li>Know and follow the rules of the policy (although some can be unreasonable e.g. requiring a PCR test in a remote area)<\/li>\n<li>Make every effort to reduce extra costs and document how you did this in your claim<\/li>\n<li>Get all the supporting documentation if something goes wrong<\/li>\n<li>Make your claim easy to read and in the correct format<\/li>\n<\/ol>\n<h2 class=\"wp-block-heading has-vivid-purple-color has-text-color\" id=\"h-useful-links\">Useful links<\/h2>\n<p>Some other good posts on the Australian market for trekking\/mountaineering insurance:<\/p>\n<p>General guides on Australian travel insurance:<\/p>\n<p>For travel to NZ:<\/p>\n<p>Covid Travel planning:<\/p>\n<p>Covid and Travel insurance<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" data-attachment-id=\"11860\" data-permalink=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance-for-australians\/feature-images-trekking-and-mountaineering-insurance-for-australians\/\" data-orig-file=\"https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians.jpg\" data-orig-size=\"800,800\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"Feature Images \u2013 Trekking and Mountaineering Insurance for Australians\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians-300x300.jpg\" data-large-file=\"https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians.jpg\" src=\"https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_800,h_800\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians.jpg\" alt=\"Helicopter Rescue - Trekking and Mountaineering Insurance for Australians\" class=\"wp-image-11860\" srcset=\"https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_800\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians.jpg 800w, https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_300\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians-300x300.jpg 300w, https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_150\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians-150x150.jpg 150w, https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_768\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians-768x768.jpg 768w, https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_600\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians-600x600.jpg 600w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\"\/><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" data-attachment-id=\"11860\" data-permalink=\"https:\/\/www.cutlunchadventures.com\/trekking-and-mountaineering-insurance-for-australians\/feature-images-trekking-and-mountaineering-insurance-for-australians\/\" data-orig-file=\"https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians.jpg\" data-orig-size=\"800,800\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"Feature Images \u2013 Trekking and Mountaineering Insurance for Australians\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians-300x300.jpg\" data-large-file=\"https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians.jpg\" src=\"https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_800,h_800\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians.jpg\" alt=\"Helicopter Rescue - Trekking and Mountaineering Insurance for Australians\" class=\"lazyload wp-image-11860\" srcset=\"https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_800\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians.jpg 800w, https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_300\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians-300x300.jpg 300w, https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_150\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians-150x150.jpg 150w, https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_768\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians-768x768.jpg 768w, https:\/\/sp-ao.shortpixel.ai\/client\/to_auto,q_lossy,ret_img,w_600\/https:\/\/www.cutlunchadventures.com\/wp-content\/uploads\/Feature-Images-Trekking-and-Mountaineering-Insurance-for-Australians-600x600.jpg 600w\" data-sizes=\"(max-width: 800px) 100vw, 800px\"\/><\/figure>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Published February 2022 by Emma. Updated February 2025. We wrote this article to cover trekking and mountaineering insurance for Australians, as it\u2019s often hard to find. As we often search for our own needs, we decided to share our findings to help others. You can also check out our other articles on Trekking and Mountaineering [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":71984,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11760],"tags":[37552,15117,11034,28351,9412],"dealstore":[],"offerexpiration":[],"class_list":["post-71983","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-adventure","tag-australians","tag-high-altitude","tag-insurance","tag-mountaineering","tag-trekking"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Trekking and Mountaineering Insurance for Australians 2025 - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/som2nypost.com\/?p=71983\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Trekking and Mountaineering Insurance for Australians 2025 - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Published February 2022 by Emma. Updated February 2025. We wrote this article to cover trekking and mountaineering insurance for Australians, as it\u2019s often hard to find. As we often search for our own needs, we decided to share our findings to help others. 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Updated February 2025. We wrote this article to cover trekking and mountaineering insurance for Australians, as it\u2019s often hard to find. As we often search for our own needs, we decided to share our findings to help others. 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