Things To Know While Buying A Trek Insurance Cover?

Apart from white water rafting and bungee jumping, trekking is gradually becoming one of the most widely popular adventure sports in India. The Roopkund trail alone sees more than 10,000 hikers every year during the summer. Other famous trails in India include Dzongri & Goecha-La, Zanskar Frozen River, Pin Parvati Pass, etc.

Himachal Pradesh, Sikkim, Uttarakhand are one of the most beautiful and common trekking destinations in India. Tourists from all over the world come to experience the beauty of these states.

However, for beginners who do not have much trekking experience, it can be a daunting challenge. High altitudes and steep terrains can be a great challenge for beginners and veterans as well. Trekkers should take precautionary measures while travelling like doing proper research, ensuring fitness, packing all the essentials etc. To maximize safety, experts recommend having trekking travel insurance.

Reputed insurance providers deliver several features on their products that enhance safety and financial security. If you are planning a trek this holiday season, you must have trekking insurance.

Another important thing that you must do is to ensure that your insurance company provides you with the following benefits:

  1. Emergency assistance: Besides the beauty, people are attracted for the sheer adrenaline rush of high-altitude treks. There is a certain degree of risk involved in this activity.

Hence, emergency travel assistance is not just crucial for trekkers. They are also necessary assistance for casual tourists as well. Your trekking travel insurance must provide you with support in case you are stranded. Coverage of up to Rs. 1 Lakh is a beneficial feature to take care of your travel and hotel expenses in case you go off-trail. Reputed insurance companies will provide with a higher coverage limit in case you are trekking abroad.

  1. High-altitude trekking cover: Most insurance providers put a cap on their coverage with increasing altitude. Make sure to check your hike altitude and choose the best travel insurance for high altitude trekking cover accordingly.
  2. Wallet loss assistance: NBFCs like Bajaj Finserv offers Pocket Insurance policies like trek cover, which provides convenient facilities like wallet loss assistance. Besides cash, you will probably lose your debit and credit cards as well. If you lose your wallet, give a call to your insurance company, and they will take care of blocking all your cards.  
  3. Complimentary coverage: A good trekking travel insurance plan must provide with complimentary insurance. It will cover medical charges in case of accidents and other similar crises. It is almost imperative that you have specific medical coverage on your trek cover. A medical emergency can occur in many ways while trekking. High altitudes have a significant effect on health. Besides, leading insurance providers deliver a cover of up to Rs. 1.5 Lakh as a complimentary benefit.

A medical cover will also act as a rock climbing insurance for all the adrenaline junkies out there. If you are into rock climbing as a profession, you must opt for one.

Consider these features when you opt for a trekking insurance cover. Make sure to compare the features offered by a financial institution before you opt for one.

Also, make sure to avail a road trip cover, if your vacation includes the same. Bajaj Finserv provides such Pocket Insurance schemes with similar features like complimentary coverage, and card blocking services. You also avail roadside assistance at more than 700 locations in India with emergency hotel and travel assistance.