Insurance
Activity Insurance It is a condition of booking that you are insured against medical expenses, injury, illness, death, cost of repatriation and personal accident risks whilst taking part in any of the activities we offer. In addition, for all holidays your insurance must also cover mountain rescue. The exception to this is if the trip is taking place in the United Kingdom or Norway where mountain rescue is free of charge. Ensure that your insurance covers you to the maximum altitude given on your trip itinerary. The maximum altitude for any trip can be checked on the 'At A Glance' box on each trip page. When booking insurance for cross-country skiing trips to Norway take extra care on understanding if and how 'ski touring' is categorised by each company.
Trip Cancellation/Baggage Insurance We advise you should have insurance for Trip Cancellation and baggage loss/equipment damage. Tracks and Trails will not be held responsible for loss/damage to baggage/ equipment. To be fully covered you should take out your insurance immediately your trip is confirmed as going ahead.
All of the above insurances are detailed in our Terms and Conditions.
If you are booking on behalf of other people it is important you ensure that appropriate insurance has been arranged by ALL OTHERS included on your Booking Form. Bring a copy of your insurance details with you, and carry it at all times. Failure to provide proof of insurance, if requested, could mean you will be asked to leave the trip. This is entirely for your own financial protection in the event of an injury or an accident.
Listed below are some companies which provide cover for the activities we offer. Each company has a different set of conditions and different levels of benefit in the event of a claim, check the details carefully before making a purchase to ensure they suit your personal situation and country of residence.
Health
Before booking consider whether you expect to be in the appropriate physical condition on the date of your departure to allow you to fully participate in your holiday. If you have any doubts due to an illness or injury it would be advisable to check with your doctor.
For UK residents travelling to an EU country you should obtain and bring with you a free Global Health Insurance Card (GHIC). This card allows you to receive state healthcare in certain European countries at a reduced cost or sometimes for free, but is not a substitute for medical travel insurance.
If you have a UK European Health Insurance Card (EHIC) it will be valid until the expiry date on the card. Once it expires, you should apply for a GHIC. We advise that you always carry your insurance documents with details of the Emergency Medical telephone number for your insurance provider, and your policy number.
It is entirely your responsibility to ensure that any insurance taken out is appropriate for your trip and for the activity you will be undertaking. Tracks and Trails cannot advise on insurance policies and cannot be held responsible if in the event of a claim your insurance is inadequate.
Information provided below is for guidance only and it is your responsibility to check the information is still current.
Assur Sport - for residents of the European Union
AssurSport is a sport insurance specialist in Europe, accessible all over the world. You can purchase insurance for just one day or for longer periods. It covers leisure, amateur competitions, families, off road/extreme sports. This insurance is accessible to European residents.
Austrian Alpine Club - for residents of the European Union & United Kingdom
Mountain rescue insurance is included in the annual Club membership fee.
British Mountaineering Council - for residents of the United Kingdom
If you are a member of the BMC they provide insurance for a wide range of mountain activities and many membership benefits. BMC Travel Insurance includes cover to an area where the Foreign, Commonwealth and Development Office (FCDO) has advised against “all but essential travel”, subject to local government advice. However, EXCLUDES cover if the FCDO advise against ‘all travel’. FCDO advice.
Campbell Irvine - for residents of the United Kingdom
Provide adventure travel insurance that can cover medical expenses, emergency evacuations, and gear replacement. They provide 24/7 assistance worldwide.
Compare the Market - for residents of the United Kingdom
Offers the possibility to search for and compare various sports insurance policies.
Harrison-Beaumont - for residents of the United Kingdom
Provide a range of activity insurance, including cover suitable for our Norwegian cross country ski trips.
Impact Multi Sports Insurance - for residents of the European Union, the United Kingdom and Switzerland
The Multi-sports Impact Card is intended to cover resident amateur athletes from the European Union, Switzerland and the United Kingdom. It covers a wide range of sporting and mountain activities. This includes cross country skiing. It includes repatriation assistance 24 hrs per day, and a guarantee of search and rescue costs including helicopter up to 30,000 euros, and without altitude limit.
Ski Club of Great Britain - for residents of the United Kingdom
Provides insurance cover for all our winter activities, including snowshoeing, cross country skiing and ski touring. They also cover a range of summer sports.
Snowcard - for residents of the United Kingdom
Provides mountain rescue insurance for mountain biking, snowshoeing and cross country skiing as well as many other activities. Snowshoeing falls under Level 2 as does cross country skiing on tracks, Nordic ski touring where you are travelling from hut to hut falls under Level 4. This information is for advice only, please confirm this direct with Snowcard so that YOU are sure the cover is appropriate.
Staysure - for residents of the United Kingdom
Unlimited medical expenses can be available with their travel insurance. They have a 24 hr emergency helpline, and state they have no upper age limit. Policies can be wide ranging covering delays, cancellations, etc.
Trail Finders - for residents of the United Kingdom
Trailfinders offers travel insurance with instant online quotes, online booking, account management, and 365/24/7 emergency contact links. Insurance can be for single or annual multi-trip.
Travel Guard - for residents worldwide, including the United States of American, and Canada
The Travel Guard Plus Plan is for those travelers who want the most comprehensive package of travel insurance coverage and assistance services that includes Adventure Sports coverage.
World Nomad Insurance - for residents worldwide, including the United States of American, and Canada
World Nomad offers simple and flexible insurance cover, including cover for snowshoeing. You can buy online, even after you’ve left home. Extend and claim online while travelling. They offer adventure traveller insurance for over 140 countries.
Updated: 15 September, 2025