Hiking and Trekking Travel Insurance

You do not need to have a guide even if you are hiking above 3000m.

However, to be covered for hiking above 3000m and up to a maximum of 6000m, you will need to add the Adventure Pack to your policy for an additional premium.

• Hiking at any altitude is only covered if specialist climbing equipment is not required.
• The Adventure Pack is NOT available with the Basics policy
• You are NOT covered under the following benefits if you have the Adventure Pack:
  • Benefit 10: Permanent Disability
  • Benefit 11: Loss of Income
  • Benefit 18: Personal Liability

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

As the location is more than 3000m in altitude, you would need to take out the Adventure pack for an additional premium to be covered for travel to this destination, up to a maximum of 6000m.

• The Adventure Pack is NOT available with the Basics policy
• You are NOT covered under the following benefits if you have the Adventure Pack:
  • Benefit 10: Permanent Disability
  • Benefit 11: Loss of Income
  • Benefit 18: Personal Liability

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

If you are overseas and not able to get back from your hike due to a medical or life threatening situation, you would be covered to be evacuated to a hospital or safer location. Please contact the Emergency Assistance team, who will be able to assist you and organise evacuation if required.

If your circumstances are not due to a medical or life threatening condition, the Emergency Assistance team will review your situation and determine whether evacuation is necessary.

All claims are assessed on a case by case basis and will depend on your particular circumstances.

Cover is subject to the policy terms, conditions, limits and exclusions.in the Product Disclosure Statement (PDS).

Yes, the use of crampons for hiking and trekking would be considered specialist climbing equipment.

There would be no cover if you will be going on a hike or trek which requires the use of crampons.

For more information, refer to our Product Disclosure Statement (PDS).

You are NOT automatically covered.
To obtain cover for hiking up to Everest Base Camp, up to a maximum of 6000 m, you will need to buy the Adventure Pack Add-on. This includes cover for altitude sickness and medical evacuation from the mountain if required.

Cover is subject to the policy terms, conditions, limits and exclusions.in the Product Disclosure Statement (PDS)..

• Adventure Pack
• What we cover - Activities

Specialised climbing equipment can include (but is not limited to) the following items:

• Crampons to walk over snow or ice
• Mountaineering helmet
• Mountaineering boots
• Gloves (other than cold weather protection gloves)
• Avalanche beacons
• Climbing using guides or ropes or rock climbing equipment
• Use of oxygen
• Carabiner - locking and non-locking types
• Belay device
• Rappel devices (descenders)
• Ice axe 
• Spinner leashes (minimise the consequences of accidentally dropping a tool) 
• Anchor
• Climbing Harness 
• Probe

Our policies provide cover for hiking, trekking and tramping is automatically covered up to 3000 m, and up to 6000 m with the Adventure Pack, where specialist climbing equipment is NOT required.

• What we cover - Activities

The Adventure Pack provides certain cover for additional sports and leisure activities as listed below, which are not on our list of covered sports and activities. An additional premium applies.

• Note:
• The Adventure Pack is NOT available with the Basics policy
• From time to time we  may add additional covered activities, if you cannot see the activity you  want cover for in this list, check the list on our website.
• Activities are not covered by your policy unless listed here or listed in the Covered Sports and Activities or on our website.
• You are NOT covered under the following benefits if you have the Adventure Pack:
  • Benefit 11: Loss of Income
  • Benefit 18: Personal Liability
  • Benefit 10: Permanent Disability

• Abseiling
• Animal conservation and handling (under appropriate supervision)
• Animal / Sealife encounters (in a controlled, enclosed environment with a licensed operator, no killer whales and no free diving)
• Battle re-enactment (not with firearms)
• Boxing (basic training only, no sparring, no competition)
• Cave/river tubing
• Caving/potholing 
• Contact sports: basketball, rugby, Australian Rules football, American football, dodgeball, field hockey, water polo, hurling, Gaelic football, lacrosse, roller derby, and squash.
• Deep sea fishing with a licensed commercial operator up to 15 nautical miles off any land mass (for 1 or more overnight stays in Australia or 4 or more nights overseas, you must specify cruise cover)
• Diving underwater using an artificial breathing apparatus at a depth no greater than 30 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities; for 1 or more overnight stays in Australia or 4 or more nights overseas, you must specify cruise cover)
• Expeditions to or on the Kokoda Track/Trail
• Flying fox/zip lining
• Hiking, trekking or tramping, peaking at altitudes between 3,000 metres up to 6,000 metres (not higher) but only where specialist climbing equipment is not required
• Martial arts (basic training only, no sparring, no competition)
• Outdoor rock climbing (only with a licensed commercial operator and ropes and appropriate safety gear but not free solo climbing)
• Quad biking & recreational all-terrain vehicles (only single rider and no jumping, racing or competition)
• Rafting or kayaking in rivers or rapids graded IV or V under the International Scale of River Difficulty (but no competition or racing)
• Sandboarding
• Sailing from 10 to 15 nautical miles off any land mass (but not competition or racing)
• Segway tours
• Shooting moving targets, such as clay pigeons, only at a licensed commercially operated shooting range (not including any live targets, game hunting or safaris)
• Tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (you must be in tandem with an instructor licensed for these activities)
• Water skiing, jet skiing, speedboating, wakeboarding & tubing (must be with a licensed operator; no competition or racing; no stunts or jumping off ramps)

As each individual’s circumstances are different, our claims team will assess each claim on a case by case basis.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

There is NO cover for hiking over 6000m, even if you have taken out the Adventure Pack.

You are automatically covered to hike up to 3000m only. To be covered to hike up to 6000m, you will need to take out the Adventure pack and pay the additional premium.

Whether or not you are covered for your accident depends on the altitude where the accident occurred:

• Accident occurred at an altitude over 6000m: If you have the Adventure Pack and the accident occurs at an altitude of over 6000m, this would not be covered as the accident occurred when you were at an altitude of over 6000m.
• Accident occurred at an altitude under 6000m and over 3000m: If you have the Adventure Pack, you would have provision to claim. If you do not have the Adventure Pack, you would not have provision to claim.
• Accident occurred at an altitude under 3000m: You would have provision to claim if you have an accident.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS)