What Is Trek Insurance, Why It Is Mandatory On Treks And What It Covers

Adventures in the Himalayas is thrilling, exciting, mesmerizing, and yes, deeply rewarding at the same time. It is unpredictable, and if it’s not well planned, it comes with inherent risks, whether a sudden weather change, altitude sickness, or an unexpected injury. One should keep in mind that nature always tests trekkers in very unforeseen ways.

At Trekup India, we always say that trekkers’ safety is our top priority. Indeed, being the oldest and safest organisation in the adventure field, it’s also our duty and responsibility to adhere to all safety protocols and measures, and Adventure Insurance is one of the essential parts that every trekker must obtain. Trekup India makes it an important and mandatory document for adventuring with Trekup India. We believe that adventure should never compromise safety.

To strengthen our safety responsibility and duties, Trekup India has joined hands with ASC 360 Adventure Insurance providers, a specialist brand in adventure insurance. Together, we bring a new layer of security and safety for all our trekkers with a promise of paying less and getting more. With this, trekkers can step onto the trail with confidence, protection, and peace of mind. Now, Trek worry-free with Team Trekup India.

Understanding Adventure Insurance

What is Adventure Insurance?

Adventure insurance is a special insurance that is designed for high-risk and high-altitude adventure activities, such as trekking, climbing, and expeditions up to 6000 meters. You need to pay exactly for the travel duration from base to base. This insurance will even cover your driving day to/from pickup/drop locations.

How Adventure Insurance is different from Regular Travel Insurance

The regular standard Travel insurance basically covers Trip delay, lost baggage, and it often excludes accidents or emergencies that occur during adventurous activities. Adventure Insurance extends coverage to include medical emergencies, evacuation, and accidents that may arise during trekking expeditions in remote or high-altitude regions.

Why Adventure Insurance is Essential?

It has to be well understood that all trekkers, whether you are a beginner, an experienced, or you are travelling with a top-rated, highly safe organisation, even if you are fully prepared and you have the best preparation, but never forget that mountains can be unpredictable, no risk will come with reminders, every step taken in the mountains can be risky. Risk can be anything, weather, Health, Altitude Sickness, Injury, wild animal attack, fall, etc. Therefore, having Adventure insurance ensures that trekkers are financially and logistically protected in case of any medical emergencies, allowing help and assistance to reach them quickly and with minimal stress. Having Adventure insurance means trekking with confidence, Trekking worry-free, and enjoying every step in the mountains. Every step should be memory and not worried about.

Trekup India Adventure Insurance Plan

Sr. no.	Benefits	Sum Insured
1	Hospitalisation Expenses for Injuries & Illness	INR 1,00,000/-
2	Medical Evacuation (Air or Road)	INR 1,00,000/-
3	Accidental (Death & Disability)	INR 1,00,000/-
4	Repatriation of Remains Extension	INR 15,000/-
	Extension 1: Outpatient Expenses for Injuries & Illness	INR 10,000/-

Total Sum Insured INR 325,000 Premium/ per pax INR 38 per day

What does Adventure Insurance cover?

Let us inform all Trekup India trekkers that the insurance plan under our collaboration is designed and crafted to cover the most common challenges that are faced during the trek.

Medical Emergencies: The insurance will cover all hospitalization, medical Treatment, and related expenses due to injury or illness during the trek.
Medical Evacuations (Air / Road): It covers helicopter evacuation or ground rescue in case of severe Medical emergencies.
Accidental (Death & Disability): This adventure insurance will provide compensation in case of accidental disability or death.
Repatriation of remains Extension: It also provides compensation in case of remains to be sent to the respective location.
Outpatient Expenses for Injuries and Illness: Hospitalization for up to 24 hours will be considered as outpatient.

Who should opt for Adventure Insurance?

Today, some of the treks have made it mandatory for Adventure Insurance and some of the treks are still being conducted without an Adventure Insurance, hence, Trekup India, keeping in mind the safety of all our trekkers, we have made it mandatory for all levels of treks, either Easy, Moderate, or challenging and this is beneficial for trekkers themselves as Trekup India does not earn any extra from the insurance amount, hence its purely benefiting trekkers.

Beginners: For first-time trekkers and those unfamiliar with mountain conditions.
Solo Trekkers: This adds an extra layer of protection while traveling alone.
High Altitude Trekkers: Mandatory for all treks, and this insurance is required for treks of less than 6000 Meters and not above.

How should you register and get insured?

Getting Adventure Insurance is quick and easy through the assistance of Trekup India.

When planning for any trek, our Mountain Experts will assist you in the best possible way to plan your trek and assist you in choosing the right trek as per your experience and knowledge of the mountains.
Once booking is confirmed, our Trek Coordinators from the Operations department shall get in touch with you and fully prepare you for the upcoming trek, and will assist in completing all your documentation, including helping you to issue the Adventure insurance.
For Issuing Insurance, you need to have the following documents, which you will send to the trek coordinators: –

Booking Confirmation and Invoice details
Copy of Identity card (aadhar / Passport)
Copy of Medical / Fitness Certificate
Valid Mobile number and email id
Payment receipt of Insurance Amount

How to Claim, Procedure, and Conditions

The Claim should be intimated within three 3 days of the occurrence of the event, failing to which the company shall not be liable to pay the Claim. The trekkers must also complete all the paperwork within 20 days of the date of the incident, else the Claim will not be admissible.
The Claim Form will be available with our Trek leader, and it will be filled out on the spot.
The Trek leader will record photos and Videos of the incident for proof, and the trekker will ensure it’s being done. Each incident should be recorded for evidence.
The ground team will rush the trekkers to the nearby hospital for examination in a private vehicle or ambulance.
All hospital bills should be kept for evidence.
All evidence, including Photos, videos, and bills, should be submitted to the insurance company ASC 360
After submission of all proof and bills, the Insurance company inspector will inspect all evidence and bills and will make an inspection trip to the respective hospital where the Treatment was done.
After all successful verification within 24 working days, respective amounts shall be reimbursed to the respective trekkers’ bank accounts.

What is Excluded in the Adventure Insurance

The insurance policy will not be able to cover any damage, loss, disability, death, or other expense that results directly or indirectly from these:

Self-inflicted actions, such as attempting to commit suicide or any other self-inflicted injuries, are intentionally inflicted regardless of the mental condition of the person insured.
The mental and psychological disorders – Any mental illness or anxiety condition, depression, stress, or a related condition.
Substance Dependence: A person who is intoxicated by substances such as alcohol, drugs, or hallucinogens during the date of the incident.
Illegal Activities Involvement in, or attempt to participate in, any criminal act, violent civil commotion, riot, or other unlawful activity with criminal motive.
Pregnancy and childbirth death, disability, or medical costs arising due to childbirth, pregnancy, or other related issues.
Age Limit: Minimum 1 Year and Maximum 70 Years
Pre-approvals are a must for medical evacuations.
This Policy is only valid for Indian Nationals.

About Author

Nanda Rawat holds a Master’s degree in Tourism and Hospitality and is a seasoned professional specializing in Adventure and Leisure Travel. As a travel specialist and consultant, his core mission has always been to deliver exceptional service by sharing the full breadth of his experience, ensuring client satisfaction on a global scale.

With over 16 years of experience, Nanda has worked with three well-established tourism companies, gaining deep insight into both inbound and domestic travel operations. He has contributed directly and indirectly to the Adventure Tour Operators Association of India (ATOAI) and has participated in multiple Immediate First Aid Training programs at the Indian Mountaineering Foundation (IMF).

In addition to his fieldwork, Nanda has shared his expertise through guest lectures in tourism and hospitality at various universities. He has independently led numerous expeditions across the Indian Himalayas and was actively involved in the rescue operations during the 2010 Ladakh flash floods.

In recognition of his outstanding coordination skills, he was honored with the Best Travel Coordinator Award by Joy James Educational Trust in 2012. A strong advocate of ethics, sustainability, and eco-tourism, Nanda takes great pride in being an integral part of Trekup India.