Trekking between 3,000–6,000m above sea level is covered when Adventure Activities Trip Extra added at an additional cost to the base policy.
From the majestic stratovolcano that is Tanzania's Mount Kilimanjaro to the spectacular Nepali Himalayas, the world is bursting with peaks to trek.
Not all expeditions or destinations are covered by our plans though, so if you're heading up to between 3,000–6,000m above sea level, you should consider adding our Adventure Activities Trip Extra.
To be covered for trekking at heights between 3,000 and 6,000m above sea level on a trek that takes more than two days to complete but doesn’t require specialist climbing equipment, you need to our Adventure Activities Trip Extra. Treks at heights of under 3 above sea level are automatically covered by our plans.
Most Kokoda tours require you to have personal travel insurance prior to departure. We offer cover for this famously gnarly trek with our Adventure Activities Trip Extra.
With our Adventure Activities Trip Extra, we may reimburse you for medical bills incurred from treks at heights between 3,000-6,000m above sea level, provided they take don’t require specialist climbing equipment and if your claim is approved.
Only applies to overseas plans.
Heading to altitude? All our overseas plans include medical expenses cover, your choice for trip cancellation cover and varying luggage cover limits as standard.
~ Medical and dental cover will not exceed 12 months from onset of the illness or injury.
#The level of cover applies per policy.
^Limits, sub‑limits, conditions and exclusions apply.
*Liability collectively for Sections 12. Accidental Death, and 13. Disability is $25,000 on the Explorer plan, and $30,000 on the Explorer Pro plan.
ΔItem limit applies for any one item, set, or pair of items including attached and unattached accessories.
Trip Extras let you build on your base policy, before you go or while you're away. Whether you want increased limits for your valuable items, extra cancellation cover, or pay-per-day cover for activities like skiing, motorcycle riding or cruising - just add what you need.
Trekking overseas opens up a world of adventure, with countless breathtaking trails to explore.
In Nepal, the Annapurna Circuit offers a stunning mix of lush valleys, quaint villages and Himalayan views, all without exceeding 6,000m altitude (the maximum altitude that we cover under our Adventure Boost).
For those drawn to Europe, Spain’s Camino de Santiago provides a historic pilgrimage route, blending beautiful landscapes with cultural experiences.
Closer to home, New Zealand’s Milford Track in Fiordland National Park is renowned for its dramatic scenery, from serene lakes to majestic waterfalls.
In South America, Peru’s Inca Trail leads you through cloud forests and ancient ruins to the awe-inspiring Machu Picchu.
For a more tropical setting, Indonesia’s Mount Rinjani Trek on Lombok offers a challenging but rewarding journey with stunning crater lakes and panoramic views.
Wherever your trekking adventure takes you, it’s a good idea to consider travel insurance that covers trekking. Our overseas plans includes cover for treks up to 3,000m above sea level, while our Adventure Activities Trip Extra offers cover for treks at heights of 4,000–6,000m above sea level, for treks that take more than two days to complete and don't require specialist equipment.
For more detail, be sure to read our PDS.
The Australian Government’s Smartraveller website recommends travellers get travel insurance for adventure activities overseas: “even a minor injury can leave you with 1000s of dollars’ worth of medical bills” abroad.
When trekking overseas, travel insurance can provide a layer of financial protection against unexpected injuries, illnesses or accidents that can happen on the trail, especially in remote areas where medical help can be costly or hard to access.
Additionally, if you’re trekking in areas with limited infrastructure, travel insurance can cover things like medical evacuations and emergency transport to the nearest medical facility.
Cover for trekking under 3,000m above sea level is included in our overseas plans, while those trekking at heights of 3,000–6,000m above sea level will need to add our Adventure Activities Trip Extra to their policy (at an additional cost) for all the days they’re trekking, if the trek takes more than two days to complete.
Freely provides cover for trekking as long as it isn’t being undertaken in a professional capacity, reasonable care is taken and specialist equipment and oxygen are not being used.
For more details, be sure to read the PDS.
Here are some helpful tips to consider ...
Learn about the trail, weather conditions and difficulty level before you go. Check if permits are required and research local customs, emergency contacts and nearby medical facilities. Being informed helps you prepare better.
Carry weather-appropriate clothing, sturdy footwear, navigation tools, a first-aid kit and sufficient food and water. Always pack a charged phone, power bank and whistle for emergencies.
For treks you’re unfamiliar with, consider hiring a certified local guide or join a reputable trekking group. They’ll provide expert navigation, local insights and added safety in unfamiliar terrain. Avoid trekking solo in remote areas.
Only pay for the extra cover you need on the days you actually need it.
Update your policy on your trip so you can embrace travel spontaneity.
Get 24/7 access to our medical and emergency specialists.
