When purchasing insurance for climbing Mount Kilimanjaro you clearly state to the insurer about the size of the mountain, how tall it is in terms of elevation as they are categorized differently. There are different insurance covers for different heights but also there is a limit for which the insurer cannot go beyond and cover you. Prices also differ depending on many factors and risks.
If you don’t clarify correctly and proceed to buy insurance without stating everything clearly, when something happens and you make a claim, you may find that the type of insurance that you bought cannot cover you, unfortunately.
Normally, the insurance should cover a few aspects, among them, trip cancellation and trip interruption, for example when you need to cancel your Kilimanjaro tour due to unavoidable circumstances like training injuries or sickness, or unforeseeable emergencies.
Insurance cover all over the world is crystal clear. They cover what you exactly requested. It is a good idea to declare everything so that your insurer covers what is within the required specification.
Read the Insurance Small print
Always remember to read the small print of any insurance policy thoroughly before buying your insurance cover, shop and compare too. You can also need to check out different reviews about different insurance companies as each has different policies and differs too.
Details to consider include:
- How much is the deductible if you have to make a claim on your insurance for Mount Kilimanjaro?
- Is the insurance company able to cover your hospital bills and other emergencies immediately, while you are still in Tanzania or does it do so only when you are in your home country?
- What is the waiting time when you make a claim what evidence in the documentation do you have to produce (hospital bills, police reports, etc)?
- Does your policy include mountain rescue services, air evacuation helicopters, etc.? If it doesn’t, don’t buy it!
Best Insurance Cover for Mount Kilimanjaro
Before paying for your Kilimanjaro insurance, verify that the policy will cover you for evacuation up to 6,000 meters above sea level without any approval required or delay. Kilimanjaro is a few meters short of 6000m, 5,875m to be precise.