Travel insurance

It is your responsibility to arrange suitable personal travel insurance for the trip you are joining.

You should have your insurance in place as soon as you book your place. This helps protect you if something unexpected happens before departure, such as illness, injury, family circumstances, or another issue that means you are no longer able to travel.

Standard travel insurance is not always enough for active or remote trips. Walking, trekking, scrambling, climbing, mountaineering, skiing, snowshoeing and expedition-style travel are often treated differently by insurers, so it is important to check exactly what your policy covers.

Before buying a policy, make sure you check:

• the exact activity you are doing

• the country or region you are travelling to

• any altitude or remoteness limits

• search and rescue cover

• helicopter evacuation if relevant

• emergency medical treatment and repatriation

• cancellation and curtailment

• baggage and equipment cover

• any exclusions relating to pre-existing medical conditions or government travel advice

Some providers our clients often look at include BMC Travel Insurance, SportsCover Direct and Snowcard.

We do not arrange insurance and cannot advise on the suitability of a particular policy. You should always read the policy wording carefully and make sure the insurer is aware of the exact trip, destination and activity. Where there is any doubt, ask the insurer to confirm cover in writing before you travel.

If you want it slightly firmer, I’d change the second paragraph to this:

You should arrange your insurance immediately after booking so that you are protected if you need to cancel before the trip begins.