Insurance for climbing Mount Kilimanjaro

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.

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What risks need to be covered by my Insurance?

There is a probability of risk to happen off the mountain than on Mount Kilimanjaro.

Malaria: It is virtually impossible to contract malaria on the mountain, you will begin trekking at an altitude of at least 1500m above sea level while the anopheles mosquito which is responsible for causing malaria cannot go beyond 1200m above sea level

Theft: You are more likely to lose things at the airport or off the mountain than on the mountain itself.

This means that the most treasured thing while on the mountain is your health and personal safety.

Below are some of the companies that can provide Kilimanjaro Insurance cover in the United States of America and the United Kingdom in Europe.

USA insurance providers for Kilimanjaro

As for American countries offering insurance cover for Mount Kilimanjaro, policies differ according to States. They could be the same company but not every state sells the same insurance cover for Mount Kilimanjaro but just to be 100% sure, please double-check the contract and go through the small print

UK companies currently offering insurance for Kilimanjaro

The British Mountaineering Council They offer affordable insurance but for members only, you need to sign up. BMC offers comprehensive insurance that comes with lots of benefits and discounts. Mount Kilimanjaro Insurance falls under the “Alpine and Ski cover.

Do I Need Travel Insurance for Kilimanjaro?

It is important to have insurance for your Mount Kilimanjaro climb. for you to safeguard against trip cancellation, interruption, delays, and expenses caused by unavoidable circumstances. Standard travel insurance caters for:

Trip cancellation
Trip interruption
Missed connection
Travel delay
Baggage delay and loss of personal items
Natural Disasters
Employment layoff
Pre-existing medical conditions
Medical emergencies
Medical evacuation and repatriation
Financial default
Terrorism

Kilimanjaro Search and Rescue (SAR)

For Kilimanjaro Search and Rescue eligibility, your insurance must cover a high altitude of up to 6,00 meters or 19685 feet above sea level.

Kilimanjaro Search and Rescue is a private company in Tanzania, which specializes in helicopter evacuation and medical support.

Clients seeking Kilimanjaro Search and Rescue services will need an actually verified insurance plan that covers helicopter rescue operations on the mountain, not just mountain climbing.

Recommended Insurance Plans for Kilimanjaro Helicopter Rescue

For American clients from the USA, these are the recommended insurance plans that cover high altitude trekking, trip cancellation, interruption and delay; lost, stolen and damaged baggage; medical expenses and most importantly emergency medical evacuation; and luggage delay, at an affordable price from Travel Guard Insurance Company.