5 INSURANCE CHECKS TREKKERS MUST KNOW

May 05, 2016

5 INSURANCE CHECKS TREKKERS MUST KNOW

Travel insurance is so easily bought through credit cards and online airline bookings that one would have the impression that they are covered for “everything”, whatever that might mean!

Like all other insurances, not all sizes fit all. Especially when we would be attempting something less ordinary like trekking the Himalayas.

CHECK #1 - DOES IT COVER MY TYPE OF TREK?

It will be wise to note that most insurance policies have exclusion on trekking (including mountain trekking) above 3000 meters, unless otherwise stated. AIG Travel Guard® is one that does not have the exclusion if it is an organized trekking (including mountain trekking) that are:

  1. available to the general public without restriction (other than general health and fitness warnings); and
  2. provided by a recognized commercial local tour operator or activity provider; and
  3. provided that you are acting under the guidance and supervision of qualified guides and/or instructors of the tour operator or activity provider and you wear the recommended safety equipment and follow the safety procedures, rules and regulations of the qualified guides and/or instructors; and
  4. the activity takes place below 6,000 meters.

CHECK #2 - BUY INSURANCE ONCE TRIP IS PAID

You never know what can happen right before the trip. You may be able to recover the costs for cancellation of trips due to the following unforeseen circumstances:

  1. death or serious injury or serious sickness
  2. attending to a family member due to a death, serious injury or sickness

Ensure that the limits of coverage is sufficient for the total costs incurred (airline ticket, package tour, hotel etc.)

CHECK #3 - REALIABLE WORLDWIDE ASSISTANCE

Nothing is more terrifying than calling a helpline that does not speak your language. Whether you have an emergency or just need travel advice while overseas, expert help needs to be just a phone call away 24/7.

AIG is the only major travel insurance provider in Singapore with its own worldwide assistance company. Travel Guard® has 7 strategically located global assistance centres and 1,000 multi-lingual staff ready to assist 24/7.

Remember to save the 24-Hour Emergency Assistance Hotline on your phone!

CHECK #4 - POST TRIP MEDICAL EXPENSES INCURRED

We are familiar that medical expenses incurred during the trip, whether inpatient or outpatient can be covered. One should also ensure that the insurance policy is able to cover for follow up costs back in Singapore. Note that pre-existing medical conditions are also largely excluded.

CHECK #5

Last but not least, keep all receipts, ticket stubs, travel itineraries for a smooth claim process!

by Shiyun, ATC Insurance Advisor




Also in News and Promotions

Conquer Your Inner Mountain
Conquer Your Inner Mountain

December 11, 2017

ANJI HALLEWELL is a Strengths Coach, Trainer and Founder of Hidden Lava. 

Anji’s passion is setting people up for success, by connecting them to their virtues and empowering them to transcend. She helps others to find their inner strength to be mentally and emotionally strong in life. 

Here she talks about trekking.... You see physical fitness will get you so far, but when you start to tire it becomes a mental game. The sole object of this game is to not give in to your RESISTANCE....

Read More

THERE ARE FEW THINGS IN LIFE MORE LIBERATING THAN BEING OUTDOORS AND RECONNECTING WITH MOTHER NATURE
THERE ARE FEW THINGS IN LIFE MORE LIBERATING THAN BEING OUTDOORS AND RECONNECTING WITH MOTHER NATURE

August 31, 2017

Hazleen Panayiotou, Founder of Amazing Trekkers Club and CEO of TrekkersAsia talks about the 5 reasons why women should trek, explains the differences between hiking, trekking, mountaineering and rock climbing, and introduces the top 5 mountain treks in Asia suitable for beginners.

Read More

CLIMB LIKE A BUTTERFLY: Parvaneh Kazemi, the first woman ever to scale Everest and Lhotse in a week
CLIMB LIKE A BUTTERFLY: Parvaneh Kazemi, the first woman ever to scale Everest and Lhotse in a week

July 29, 2017

Read More