FAQ: What hikers need to know about volcano trekking insurance

Those planning treks above 6,000m may consider Global Rescue, an international membership-based provider of medical, security and evacuation services. Mr Tong said this can cost up to US$1,000 and is typically suited for high-altitude mountain expeditions where rescue access is critical.

Do I still need specialised coverage if I’m visiting a managed volcano park?

It depends on the nature of the trek and how it is conducted.

Coverage differs between a tourist visiting a managed volcano park and an experienced trekker attempting a more remote or demanding route, said Ms Cherie Wang, CEO of insurance planning app Planner Bee.

Insurers define trekking cover differently, with varying altitude limits and activity conditions.

“One important factor is whether the trek takes place in an area that is open to the general public without restriction, or whether it is organised and supervised within recognised safety parameters,” she said.

Under Income Insurance’s policy, trekking is a general exclusion unless it is for leisure purposes below 6,000m, takes place in a publicly accessible location, is organised by a recognised commercial operator or conducted under licensed guides, and follows proper safety procedures.

At FWD, hiking or trekking above 3,000m is a general exclusion.

For DirectAsia, trekking is covered as an add-on for expeditions up to 4,000m, provided they are organised by a licensed operator and conducted with a licensed guide throughout.