What your policy should cover
- Emergency medical treatment. Hospital care, doctor visits, and treatment for altitude sickness — the reason most climbers need cover in the first place.
- Evacuation and repatriation. Helicopter or road evacuation off the mountain, and getting you home or to a hospital near family when treatment cannot happen locally.
- Rescue at full altitude. Check the fine print. Uhuru Peak sits at 5,895 m, and many policies quietly cap covered trekking altitude far below that. Yours must reach the height you plan to climb.
- Trip cancellation and interruption. Covers money you have already paid if illness, a family emergency, or a delayed flight stops you travelling. Buy cover when you pay your deposit, not when you pack.
- Baggage, gear, and delays. Lost or delayed luggage, kit that does not arrive with you, and the extra nights a missed connection can cost on the way in or out.
- Personal liability. Small print, but real: cover if you are held responsible for injury or damage while travelling.
Before you fly
- Carry your policy number and the 24/7 assistance number with you, not only in your laptop.
- Make sure the name on the policy matches your passport exactly.
- Share your insurer and policy number with us, so our team has it on the mountain and in the parks.
- Keep your confirmation and receipts — claims start with paperwork, not phone calls.
Questions about your cover?
We are not an insurer — we can tell you what our teams have seen work, but your policy is with your provider.
Ask us about cover