In a different thread, I had recommended calling them for insurance that covers climbing Kilimanjaro because their policy did not cover them. Then I was looking into it for friends, and while every policy said "mountain climbing excluded", I called them, and they were able to recommend two policies, and back it up in writing, that only climbs that actually use pulles and ropes, etc. are considered mountain climbing, but as Kilimanjaro is NOT a technical climb, but simply a high altitude trek, the "mountain climbing exclusion" did NOT apply. - I just want to emphasize that you should call them if you don't see what you are looking for. Don't judge the book by the cover, so to speak.
Posts: 125 | Location: San Jose, CA | Registered: 09 May 2008
It's like any insurance. It's only necessary if you need it.
I wouldn't travel without insurance, because the consequences of a medical emergency could be financially disastrous, while the cost of insurance is very affordable.
That said, many take their chances, and you might get away with it. My only visit to a foreign hospital cost too little to bother making a claim (indeed, they seemed a bit confused when I asked about how much it would be, and I wouldn't be totally surprised if they ended up pocketing the cash.) But for the cost of insurance, I'm very much of the opinion that you're far better to be safe than sorry.
