Many customers find that standard travel insurance is sufficient when traveling in mountainous areas.However, this is not always the case.For activities such as mountain trekking, skiing, mountaineering or off-road cycling, special insurance coverage is required.The difference between ordinary tourist and special mountain insurance is significant not only in the price, but also in the actual protection in the event of an accident.🛡️

What does regular travel insurance cover?

Standard travel insurance is designed primarily for low to moderate risk travel and includes medical assistance in the event of accident or illness, repatriation to home country, accident in populated areas, lost or damaged luggage and trip cancellation.It does not include rescue operations in the mountains, skiing, climbing, mountain biking, diving and other sports that insurers define as risky.

What does special mountain insurance include?

Mountain insurance has been developed for tourists and sportsmen who practice activities in natural and risky environments:

Rescue actions by the Mountain Rescue Service;
Helicopter evacuation;
Medical expenses as a result of a sports accident;
Coverage for activities above 2,000 m above sea level;
Search and transport costs from hard-to-reach areas;
Option to add risk sports.

This policy is mandatory if you move outside an urbanized area or practice active sports in the mountains.See here for mountain insurance!

📊Main differences between tourist and mountain insurance

Coverage	Travel insurance	Mountain insurance
Medical expenses in populated areas	Yes.	Yes.
Accidents in the mountains	No.	Yes.
Helicopter evacuation	No.	Yes.
Mountain rescue actions	No.	Yes.
Medium and high risk sports	No.	Yes (with clause).
Searching in hard-to-reach areas	No.	Yes.
24/7 activity coverage	Partially.	Yes.
Required to access mountains	No.	Yes (in many areas).

What to check when choosing between the two?

The activities you will practice;
The location - urban tourism or high mountain trekking;
Will you be leaving marked trails?;
Route altitude;
Individual or group travel;
Length of stay.

If you are only planning a walk in a park or a tour of cities, a standard tourist policy is sufficient.If you are going to go out in the mountains, even on marked trails, it is wise to choose mountain insurance - the cost is small, but it saves significant amounts in case of an accident.

How to combine the two?

Some insurers offer combined products: tourist policy + mountain clause.This provides flexibility when changing the route, wide coverage (urban tourism + active mountain sports) and only one contract and one activation.It is recommended to issue the policy before the trip, keep it in the phone and carry a copy during the trek or ride.

Frequently asked questions

What is the main difference between travel and mountain insurance?

Answer: Travel insurance is designed for travel in urban and low-risk environments.Mountain insurance covers accidents in hard-to-reach and risky terrains.It includes rescue operations and evacuation.The difference is in the scope and level of protection.

Does travel insurance cover accidents during mountain trekking?

Answer: In most cases, no.Standard travel insurance excludes activities such as mountain trekking, mountaineering and skiing.Even an injury on a marked trail may not be covered.That is why mountain insurance is mandatory.

What else does mountain insurance provide?

Answer: It covers search, rescue and transport from the mountain.Includes helicopter evacuation and assistance from specialized services.Provides medical expenses related to a sports accident.This is an advanced cover designed for extreme environments.

Can travel and mountain insurance be combined?

Answer: Yes, some insurers offer combined packages.They cover urban tourism and mountain activities with one policy.This is convenient for mixed trips.The customer receives full protection without the need for additional contracts.

When is standard travel insurance sufficient?

Answer: It is suitable for urban tourism or organized excursions.If you do not leave populated areas and do not practice sports, it is sufficient.But with any activity in the mountains, it becomes inadequate.In such a case, specialized insurance is required.

What is the difference between regular travel insurance and special mountain insurance?

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