One of the downsides to any sport are the injuries and with mountaineering or climbing, potential death too. Having medical and emergency evacuation insurance is not only mandatory for most major expeditions but very smart too.
Injuries sustained while mountaineering are not covered by regular insurance plans (while climbing in Canada, the Canadian government insurance does cover injuries but not emergency evacuation). Furthermore, any life insurance coverage you may have is also likely not applicable while mountaineering.
Finally, you may have paid a lot of money to not only purchase a guided ascent, but also your flights and gear among many other things. You may also want to purchase additional trip interruption and cancellation insurance. For example, delayed and/or lost baggage can be difficult to manage when your trip schedule is tight. Additionally, falling sick or a family challenge prior to your trip may force you to cancel the expedition entirely.
Listed below are various insurance providers that I have used to cover my needs while mountaineering.
- Global Rescue, for field rescue and medical evacuations. https://www.globalrescue.com/personal/travelservices.html
- Global Underwriters, for trip interruptions and cancellations, expedition life insurance, field rescue and medical evacuations. https://www.globalunderwriters.com/products/individual/
- Ingle International, for trip interruptions and cancellations, field rescue and medical evacuations. Ensure the adventure sports rider or extreme sports rider is applied to your policy (altitude limitations). https://www.ingleinternational.com/en/travel-insurance/canadian-travellers/compare