{"id":37134,"date":"2024-11-03T13:40:18","date_gmt":"2024-11-03T10:40:18","guid":{"rendered":"https:\/\/mountainguides.pro\/?page_id=37134"},"modified":"2026-09-10T16:50:48","modified_gmt":"2026-09-10T13:50:48","slug":"mountaineering-insurance","status":"publish","type":"page","link":"https:\/\/mountainguides.pro\/de\/mountaineering-insurance\/","title":{"rendered":"Insurance for mountaineering, climbing and trekking"},"content":{"rendered":"<p><strong>Insurance for mountaineering has to cover your actual route, not the word &#8222;travel&#8220;.<\/strong> The country, the maximum altitude, mountaineering or trekking, search and rescue, evacuation, medical care and repatriation are each checked separately. If the marketing blurb says &#8222;active holidays&#8220; while the exclusions say mountaineering, the insurer is under no obligation to guess that you meant Elbrus.<\/p>\n<p>Mountain Guide has worked on Elbrus since 2001 and runs programmes worldwide. Policy requirements differ: you cannot use one checklist for walks around the Elbrus region, Elbrus from the south, the self-sufficient western route and an 8000-metre peak, simply changing the name of the country.<\/p>\n<h2 class=\"wp-block-heading\" id=\"quick-check\">Checking a policy in two minutes<\/h2>\n<ul class=\"wp-block-list\">\n<li>The policy is valid in every country on the route and in transit.<\/li>\n<li>The dates cover the whole period from departure to return, not only the days on the mountain.<\/li>\n<li>The activity named expressly includes trekking, mountaineering, ski touring or whatever else the programme involves.<\/li>\n<li>The maximum permitted altitude is no lower than the highest point of the route.<\/li>\n<li>Medical care and hospital treatment are covered.<\/li>\n<li>Search and rescue is covered, if the route lies beyond quick evacuation by road.<\/li>\n<li>Ground evacuation is covered, and helicopter evacuation where that is relevant.<\/li>\n<li>The limit for rescue work and for the helicopter is not buried inside the overall sum at a much lower level.<\/li>\n<li>Medical repatriation and repatriation of remains are covered.<\/li>\n<li>Chronic conditions and any other circumstances the insurer requires you to disclose have been declared.<\/li>\n<li>There is a round-the-clock assistance line and a clear procedure for approving costs.<\/li>\n<\/ul>\n<p>If even one of these points cannot be confirmed by the text of the policy or by a written answer from the insurer, treat it as unconfirmed. A spoken &#8222;yes, it all covers you&#8220; sounds fine in the office and markedly worse to an evacuation controller.<\/p>\n<h2 class=\"wp-block-heading\" id=\"activity\">What the activity has to be called<\/h2>\n<p>The name of the programme on the website and the insurer&#8217;s own classification may differ. One insurer files the route under &#8222;mountaineering&#8220;, another under &#8222;high-altitude trekking&#8220;, a third creates a separate category for ascents without technical climbing. What matters is not the argument about terms but written confirmation covering your route specifically.<\/p>\n<div style=\"overflow-x:auto;margin:24px 0;\">\n<table style=\"width:100%;min-width:820px;border-collapse:collapse;\">\n<thead>\n<tr>\n<th style=\"padding:10px;border:1px solid #d9d9d9;text-align:left;\">Programme<\/th>\n<th style=\"padding:10px;border:1px solid #d9d9d9;text-align:left;\">What has to appear in the policy<\/th>\n<th style=\"padding:10px;border:1px solid #d9d9d9;text-align:left;\">What to check in addition<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding:10px;border:1px solid #d9d9d9;\"><strong>Trekking<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #d9d9d9;\">Trekking, and the maximum altitude of the route<\/td>\n<td style=\"padding:10px;border:1px solid #d9d9d9;\">Remoteness, rescue work, evacuation<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px;border:1px solid #d9d9d9;\"><strong>Elbrus<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #d9d9d9;\">Mountaineering, or a mountain ascent to 5642 m confirmed in writing<\/td>\n<td style=\"padding:10px;border:1px solid #d9d9d9;\">Search and rescue, and evacuation<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px;border:1px solid #d9d9d9;\"><strong>Ski touring<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #d9d9d9;\">Ski touring, off-piste skiing, or the insurer&#8217;s exact category<\/td>\n<td style=\"padding:10px;border:1px solid #d9d9d9;\">Avalanche exclusions and requirements about a guide<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px;border:1px solid #d9d9d9;\"><strong>A technical ascent<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #d9d9d9;\">Mountaineering, the altitude, and the grade of the route if the insurer restricts it<\/td>\n<td style=\"padding:10px;border:1px solid #d9d9d9;\">Use of a rope, a glacier and specialist equipment<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px;border:1px solid #d9d9d9;\"><strong>An expedition of 7000-8000 m<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #d9d9d9;\">The exact peak, the maximum altitude, mountaineering, and the whole duration of the expedition<\/td>\n<td style=\"padding:10px;border:1px solid #d9d9d9;\">The altitude limit on evacuation, search work, an advance guarantee of payment<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 class=\"wp-block-heading\" id=\"elbrus\">Insurance for climbing Elbrus<\/h2>\n<p>For any programme that goes to the summit, the policy has to be valid in Russia and cover an altitude of no less than 5642 m. The document must expressly permit mountaineering or the corresponding mountain ascent, search and rescue, and evacuation. On the self-sufficient routes from the north and the west, the arrangements for organising rescue matter especially, because transport access and infrastructure differ from the classic south.<\/p>\n<p>The word &#8222;helicopter&#8220; appearing in a policy does not mean a helicopter will be able to fly in any weather and to any altitude. Insurance pays for the service provided for; whether the flight is physically possible is decided by the weather, the landing site, the availability of an aircraft and the rescue service.<\/p>\n<h2 class=\"wp-block-heading\" id=\"limits\">The overall sum insured and the individual limits<\/h2>\n<p>A policy can look impressive on the headline sum while capping the helicopter, search work, dentistry, outpatient care or a flare-up of a chronic condition with separate sub-limits. It is the table of limits and exclusions that determines the real cover.<\/p>\n<ul class=\"wp-block-list\">\n<li>the overall medical sum;<\/li>\n<li>search and rescue;<\/li>\n<li>the helicopter and other evacuation;<\/li>\n<li>in-patient treatment;<\/li>\n<li>transport to a suitable medical facility;<\/li>\n<li>the journey home after treatment;<\/li>\n<li>repatriation of remains;<\/li>\n<li>the excess, and the costs you have to pay yourself first.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"assistance\">Why the assistance service matters<\/h2>\n<p>Insurers are often chosen on the price of the policy, but in an incident what you deal with first is the service company: the assistance provider. It takes the call, checks the cover, and arranges the clinic, the transport and the guarantee of payment. You need to know in advance:<\/p>\n<ul class=\"wp-block-list\">\n<li>whether the line operates round the clock;<\/li>\n<li>whether you can reach it by phone and over the internet;<\/li>\n<li>whether approval is needed before a helicopter is called;<\/li>\n<li>who issues the guarantee of payment;<\/li>\n<li>what to do if there is no signal or help is needed immediately;<\/li>\n<li>which documents and medical reports will be required.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"exclusions\">The exclusions people miss most often<\/h2>\n<ul class=\"wp-block-list\">\n<li>sport or mountaineering is not included in the basic tariff;<\/li>\n<li>the route goes above the permitted altitude;<\/li>\n<li>off-piste skiing or ski touring is excluded;<\/li>\n<li>search work is not covered if the person&#8217;s whereabouts are unknown;<\/li>\n<li>rescue is paid for only where there is a threat to life on medical grounds;<\/li>\n<li>there are restrictions for competitions, unguided routes or the absence of a licensed guide;<\/li>\n<li>chronic conditions have not been declared;<\/li>\n<li>the claim involves alcohol or a breach of the law;<\/li>\n<li>the policy was bought after departure and carries a waiting period.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"documents\">What to keep before the trip<\/h2>\n<ul class=\"wp-block-list\">\n<li>the full text of the policy, not just the smart-looking card;<\/li>\n<li>the table of cover and exclusions;<\/li>\n<li>the insurer&#8217;s written confirmation of the route and the altitude;<\/li>\n<li>the policy number and the assistance contacts;<\/li>\n<li>copies of the documents on your phone and in the cloud;<\/li>\n<li>a next-of-kin contact;<\/li>\n<li>a list of diagnoses, allergies and medicines you take regularly.<\/li>\n<\/ul>\n<p>The policy and phone numbers must be available offline. An email link that only works with a good internet connection is of little use in the mountains.<\/p>\n<h2 class=\"wp-block-heading\" id=\"incident\">What to do if something happens<\/h2>\n<ol class=\"wp-block-list\">\n<li>Tell your guide and do whatever immediate safety requires.<\/li>\n<li>Contact the assistance service at the first safe opportunity.<\/li>\n<li>Give the policy number, your location, the condition of the casualty and the evacuation options available.<\/li>\n<li>Get a case number and write down names, times and decisions.<\/li>\n<li>Confirm the clinic and costs with the assistance service if the situation allows you to wait for approval.<\/li>\n<li>Keep receipts, medical documents, transport invoices and correspondence.<\/li>\n<\/ol>\n<p>Where life is in immediate danger, the first task is help and evacuation, not perfect paperwork. But as soon as things are stable the assistance service has to be brought in: approval obtained late can complicate reimbursement.<\/p>\n<h2 class=\"wp-block-heading\" id=\"official-guidance\">What this checklist rests on<\/h2>\n<p>For organised treks and expeditions the UIAA Medical Commission recommends comprehensive cover including search and rescue, a helicopter where necessary, medical care and repatriation, taking account of the particular country, the altitude and the risks. Official advice for travellers also stresses that ordinary medical insurance and evacuation cover are two different things.<\/p>\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.theuiaa.org\/documents\/mountainmedicine\/English_UIAA_MedCom_Rec_No_7_Check_Organization_2012_V2-3.pdf\">UIAA: Quality of Organized Treks or Expeditions<\/a><\/li>\n<li><a href=\"https:\/\/travel.state.gov\/en\/international-travel\/planning\/guidance\/insurance.html\">Travel.State.gov: Travel Insurance<\/a><\/li>\n<li><a href=\"https:\/\/www.gov.uk\/guidance\/foreign-travel-insurance\">GOV.UK: Foreign Travel Insurance<\/a><\/li>\n<\/ul>\n<p><em>This page helps you work out what to ask an insurer; it does not interpret any particular contract. Where this article, a marketing description and the policy disagree, it is the full text of the contract and the insurer&#8217;s written explanations that carry legal weight.<\/em><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Step-by-step instructions and practical experience<\/h2>\n<figure class=\"wp-block-image aligncenter size-large\"><a href=\"https:\/\/mountainguide.ru\/wp-content\/uploads\/2016\/01\/voshozhdenie-na-elbrus-0085.jpg\"><img decoding=\"async\" src=\"https:\/\/mountainguide.ru\/wp-content\/uploads\/2016\/01\/voshozhdenie-na-elbrus-0085-1024x768.jpg\" alt=\"Insurance for the mountains\" class=\"wp-image-26424\"\/><\/a><\/figure>\n<p>We work with the online aggregator Save Pro Life.<br \/>If you are already abroad, tick the box &#8222;Already travelling&#8220;.<br \/>How to arrange the insurance:<br \/>1. Choose the country you are travelling to<br \/>2. Enter the start and end dates<br \/>3. Choose the activity (mountaineering, trekking >3500 m and so on)<br \/>4. Enter the ages of the participants<br \/>Press &#8222;Search&#8220; and the system will find the best options.<br \/>Once you have entered your details, the policy reaches your email within a few minutes.<\/p>\n<p>The things we tell ourselves:<\/p>\n<ul class=\"wp-block-list\">\n<li>&#8222;nothing will ever happen to us&#8220;, <\/li>\n<li>&#8222;we are going with good people&#8220;, <\/li>\n<li>&#8222;we have been training for a hundred years&#8220;, <\/li>\n<li>&#8222;we never get ill&#8220;, <\/li>\n<li>&#8222;we never make mistakes&#8220;, <\/li>\n<li>&#8222;we have good karma&#8220;, <\/li>\n<li>&#8222;we do not need the extra expense of insurance&#8220;, <\/li>\n<li>&#8222;it is all a formality&#8220;, and so on.<\/li>\n<\/ul>\n<p>And in my own practice since 2001, people have broken something only in the bar after a climb, and once a man jumped off the cable car without unclipping his chain. But then there is a clot, or an inflamed gall bladder or appendix, or a stray rock, or an unlucky trip on the trail, pulmonary oedema, cerebral oedema, or simply a bad chill caught at altitude. <\/p>\n<p>And then comes the moment to get acquainted with the medical system of the country you are in. Better to do that at the insurer&#8217;s expense than out of your own hard-earned money, quite apart from the fact that going through the insurer is many times faster, and time is often measured in hours. And, of course, no serious company, Mountain Guide included, will take you anywhere without proper insurance; we do not need adventures of that kind.<\/p>\n<p><strong>DO NOT ECONOMISE ON INSURANCE!<\/strong> For climbs on serious peaks I would not set a limit below 100,000, and for treks below 50,000. In 2024, for example, the rates in Nepal were as follows:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>medical<\/strong> helicopter evacuation in Pakistan from 5000 m &#8211; from 27000 dollars<\/li>\n<li><strong>medical<\/strong> helicopter evacuation in Nepal from 6800 m &#8211; 23000 dollars<\/li>\n<li><strong>medical<\/strong> helicopter evacuation in Nepal from 4000 m, the Kanchenjunga area &#8211; 9500 dollars<\/li>\n<li><strong>medical<\/strong> helicopter evacuation in Nepal from 5000 m, the Everest area &#8211; more than 5000 dollars<\/li>\n<li>a day in hospital &#8211; 2800 dollars, without serious procedures or operations.<\/li>\n<li>a single search flight around a mountain by helicopter, a few minutes &#8211; 10000 dollars<\/li>\n<li>evacuation of the bodies of dead climbers from 7000 m, not counting the search work, plus repatriation &#8211; from 36000.<\/li>\n<\/ul>\n<p>The limit on helicopter payments deserves particular attention. Often a policy for 50,000 includes the helicopter for only 5000. In the Everest area that will just about do; in other regions it will not. And although you can often get out from below Annapurna by jeep, on very bad roads, acute appendicitis gives you only a few hours to reach a hospital. <\/p>\n<p>On climbs of serious peaks it is also worth checking carefully whether search and rescue is in your policy at all: often it is not.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\" id=\"h-\u043d\u0435\u043f\u0430\u043b\"><strong>Nepal<\/strong><\/h3>\n<p><strong>Instructions for arranging insurance through the online service <a href=\"http:\/\/www.saveprolife.ru\">www.saveprolife.ru<\/a> for trekking or mountaineering in Nepal<\/strong>. When you pay, you can use the discount promo code mg2022.<\/p>\n<ol class=\"wp-block-list\">\n<li>Press &#8222;Sport\/Extreme&#8220; if you are planning an active holiday.<\/li>\n<li>Choose the country: Nepal.<\/li>\n<li>Enter the dates of the trip.<\/li>\n<li>Enter the age.<\/li>\n<\/ol>\n<ul class=\"wp-block-list\">\n<li>If you are travelling as a group, press <strong>&#8222;Add&#8220;<\/strong> and enter the ages of everyone in it.<\/li>\n<li>A group policy can cover up to 5 people.<\/li>\n<\/ul>\n<ol class=\"wp-block-list\">\n<li>Choose the sport: <strong>Trekking above 3500 metres<\/strong> or <strong>mountaineering<\/strong>.<\/li>\n<li>Press &#8222;Search&#8220;.<\/li>\n<li>At the second stage choose the Euroins Sports Package insurance programme:<\/li>\n<\/ol>\n<ul class=\"wp-block-list\">\n<li>Sum insured &#8211; 40,000 to 100,000 conventional units<\/li>\n<\/ul>\n<p><strong>In addition:<\/strong><\/p>\n<ul class=\"wp-block-list\">\n<li><strong>We arrange the insurance before departure from Russia<\/strong> for the whole period of the programme.<\/li>\n<li>The policy has to cover the entire stay in Nepal, in line with the dates on the tickets, arrival and departure.<\/li>\n<\/ul>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<p><strong>Kilimanjaro<\/strong><\/p>\n<p><strong>Instructions for arranging insurance through the online service <a href=\"http:\/\/www.saveprolife.ru\">www.saveprolife.ru<\/a> for mountaineering in Tanzania<\/strong>. When you pay, you can use the discount promo code mg2022.<\/p>\n<ol class=\"wp-block-list\">\n<li>Press <strong>&#8222;Sport\/Extreme&#8220;<\/strong>, if you are planning an active holiday.<\/li>\n<li>Choose the country: <strong>Tanzania<\/strong>.<\/li>\n<li>Enter the <strong>dates of the trip<\/strong>.<\/li>\n<li>Enter the <strong>age<\/strong>:<\/li>\n<\/ol>\n<ul class=\"wp-block-list\">\n<li>If you are travelling as a group, press <strong>&#8222;Add&#8220;<\/strong> and enter the ages of everyone in it.<\/li>\n<li>A group policy can cover up to 5 people.<\/li>\n<\/ul>\n<ol class=\"wp-block-list\">\n<li>Choose the sport: <strong>mountaineering<\/strong>.<\/li>\n<li>Press <strong>&#8222;Search&#8220;<\/strong>.<\/li>\n<li>At the second stage choose the insurance programme <strong>D &#8222;Sovcombank Insurance&#8220;<\/strong>:<\/li>\n<\/ol>\n<ul class=\"wp-block-list\">\n<li>Sum insured &#8211; <strong>50,000 conventional units<\/strong><\/li>\n<li>Transport and helicopter evacuation &#8211; <strong>5,000 conventional units<\/strong><\/li>\n<li>Search work &#8211; <strong>5,000 conventional units<\/strong><\/li>\n<\/ul>\n<p>There is more about rescue in Tanzania here: <a href=\"https:\/\/saveprolife.ru\/best-suggestion\/tanzania-insurance\">saveprolife.ru\/best-suggestion\/tanzania-insurance<\/a>.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\"><strong>Argentina<\/strong><\/h3>\n<p><strong>Instructions for arranging insurance through the online service <a href=\"http:\/\/www.saveprolife.ru\">www.saveprolife.ru<\/a> for mountaineering in Argentina<\/strong>. When you pay, you can use the discount promo code mg2022.<\/p>\n<ol class=\"wp-block-list\">\n<li>Press <strong>&#8222;Sport\/Extreme&#8220;<\/strong>, if you are planning an active holiday.<\/li>\n<li>Choose the country: <strong>Argentina<\/strong>.<\/li>\n<li>Enter the <strong>dates of the trip<\/strong>.<\/li>\n<li>Enter the <strong>age<\/strong>:<\/li>\n<\/ol>\n<ul class=\"wp-block-list\">\n<li>If you are travelling as a group, press <strong>&#8222;Add&#8220;<\/strong> and enter the ages of everyone in it.<\/li>\n<li>A group policy can cover up to 5 people.<\/li>\n<\/ul>\n<ol class=\"wp-block-list\">\n<li>Choose the sport: <strong>mountaineering<\/strong>.<\/li>\n<li>Press <strong>&#8222;Search&#8220;<\/strong>.<\/li>\n<li>At the second stage choose the insurance programme <strong>D &#8222;Sovcombank Insurance&#8220;<\/strong>:<\/li>\n<\/ol>\n<ul class=\"wp-block-list\">\n<li>Sum insured &#8211; <strong>50,000 conventional units<\/strong><\/li>\n<li>Transport and helicopter evacuation &#8211; <strong>5,000 conventional units<\/strong><\/li>\n<li>Search work &#8211; <strong>5,000 conventional units<\/strong><\/li>\n<\/ul>\n<p><strong>In addition:<\/strong><\/p>\n<ul class=\"wp-block-list\">\n<li><strong>We arrange the insurance before departure from Russia<\/strong> for the whole period of the programme.<\/li>\n<li>Evacuation is agreed with the national park. Normally the service used is <strong>Helicopters. Ar. S.A.<\/strong><\/li>\n<li>The cost of evacuation from <strong>Nido de Condores<\/strong> starts at <strong>4000 US dollars<\/strong>.<\/li>\n<\/ul>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<p><strong>Insurance for climbers: what you need to know<\/strong><\/p>\n<p>Mountaineering is not only an absorbing pastime but a high-risk activity. Standard travel policies often exclude dangerous sports, so climbers need specialist insurance. A policy like that helps you deal with the consequences of injuries, emergencies in the mountains and unforeseen events.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-\u0447\u0442\u043e-\u0432\u043a\u043b\u044e\u0447\u0430\u0435\u0442-\u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0430-\u0434\u043b\u044f-\u0430\u043b\u044c\u043f\u0438\u043d\u0438\u0441\u0442\u043e\u0432\"><strong>What insurance for climbers includes<\/strong><\/h3>\n<ol class=\"wp-block-list\">\n<li><strong>Medical care:<\/strong> cover for the cost of emergency help, treatment, hospital admission and buying medicines.<\/li>\n<li><strong>Search and rescue operations:<\/strong> payment for the rescuers&#8216; work, including the use of helicopters for evacuation.<\/li>\n<li><strong>Transport of the casualty:<\/strong> delivery to the nearest hospital, or home if that is needed.<\/li>\n<li><strong>Accidents:<\/strong> cash payments in the event of injury, disability or death.<\/li>\n<\/ol>\n<h3 class=\"wp-block-heading\" id=\"h-\u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0435-\u043e\u043f\u0446\u0438\u0438\"><strong>Additional options<\/strong><\/h3>\n<ul class=\"wp-block-list\">\n<li><strong>Insurance for mountaineering equipment:<\/strong> compensation if kit is damaged or lost.<\/li>\n<li><strong>Public liability:<\/strong> cover for damage caused to other people or their property.<\/li>\n<li><strong>Trip protection:<\/strong> reimbursement of costs if flights are cancelled or delayed.<\/li>\n<\/ul>\n<h3 class=\"wp-block-heading\" id=\"h-\u043a\u0430\u043a-\u0432\u044b\u0431\u0440\u0430\u0442\u044c-\u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0443\"><strong>How to choose a policy<\/strong><\/h3>\n<ol class=\"wp-block-list\">\n<li><strong>Take the route and the altitude of the climb into account.<\/strong> Some policies carry restrictions by region or by altitude.<\/li>\n<li><strong>Weigh up the risks.<\/strong> Demanding routes and remoteness from settlements call for more expensive cover.<\/li>\n<li><strong>Choose a suitable sum insured.<\/strong> For serious expeditions a sum insured of at least 50,000 euros is recommended.<\/li>\n<li><strong>Pay attention to rescue work.<\/strong> That service may be an extra and may have to be paid for separately.<\/li>\n<\/ol>\n<h3 class=\"wp-block-heading\" id=\"h-\u0433\u0434\u0435-\u043e\u0444\u043e\u0440\u043c\u0438\u0442\u044c-\u043f\u043e\u043b\u0438\u0441\"><strong>Where to buy a policy<\/strong><\/h3>\n<p>Many insurers offer special programmes for climbers. Online insurance services, for instance, let you compare prices and conditions and find the best options. Look for companies that offer a wide choice of policies for extreme sports. <\/p>\n<p>Save pro life is a convenient aggregator of insurance for mountaineering and trekking, and the information there is always current. Promo code mg2022<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-\u0441\u043a\u043e\u043b\u044c\u043a\u043e-\u0441\u0442\u043e\u0438\u0442-\u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0430\"><strong>What insurance costs<\/strong><\/h3>\n<p>The price depends on:<\/p>\n<ul class=\"wp-block-list\">\n<li>The length of the trip.<\/li>\n<li>Where the trek or climb takes place.<\/li>\n<li>The ages of the participants.<\/li>\n<li>The number of people insured.<\/li>\n<li>Additional services and the level of cover.<\/li>\n<\/ul>\n<p><strong>A tip:<\/strong> before you buy, read the terms of the contract carefully, paying particular attention to the sections on restrictions and exclusions. The policy has to match the trip you are planning and protect you against every risk it can involve.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How to choose insurance for mountaineering, Elbrus and trekking: altitude, search and rescue, helicopter evacuation, assistance, limits and policy exclusions.<\/p>\n","protected":false},"author":14084,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-37134","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance for mountaineering and climbing Elbrus<\/title>\n<meta name=\"description\" content=\"How to choose insurance for mountaineering, Elbrus and trekking: altitude, search and rescue, helicopter evacuation, assistance, limits and exclusions.\" \/>\n<meta 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