Climbing Insurance

By: EconomyWatch   Date: 8 September 2009

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Climbing insurance offers accident benefits and medical cover for loss or injury sustained by the policyholder while engaged in a climbing activity. One can purchase an insurance policy for mountain climbing, rock climbing and wall climbing. The range of cover and the policy premium differs according to the risk involved. Also, sports enthusiasts can purchase a single trip insurance policy to cover climbing trips of short duration. However, professional climbers prefer a comprehensive climbing insurance policy spanning several years.

Climbing Insurance: Coverage

The basic coverage plan for climbing insurance should offer:

  • Accident benefits: Climbing is a dangerous sport, which sometimes exposes the climber to life-threatening situations. One can easily slip and fall while climbing, resulting in fatal injuries. Thus, accident cover is a must buy for every climbing enthusiast.

  • Medical cover: This pays for the medical and nursing bills for the treatment of injuries sustained during an insured climbing event.

One can also buy liability insurance to cover loss or damage to a third-party during the climbing activity.

Climbing Insurance Essential Tips 

Here are some essential tips for buying a climbing insurance policy:

  • For single-trip climbing insurance, the insurer will ask for the details of the trip, with complete specifications.

  • One has to inform the insurer about the date of the journey, the destination, the equipment and number of other escorting people.

  • For mountain climbing, one has to give details about the route to the summit and the availability of a guide during the trip. The insurance company will consider the policyholder's experience in mountain climbing and the risk factors involved while deciding on the policy premium. Insurance companies may turn down climbing insurance applications from amateurs.

  • If you are planning to go to a foreign destination for climbing, make sure that the climbing insurance policy covers events on foreign land as well.

  • Ensure that the company is able to reimburse medical bills while in a foreign country or whether you will have to wait till you reach the homeland.

  • Ensure that the climbing insurance policy covers emergency medial treatment and repatriation in case of a serious accident.

Climbing insurance is a specialized insurance product, not offered by general insurance companies. You can search over the Internet to find specialized sports insurance companies in your area.


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