When booking a trip we ask you to acquire TWO types of insurance.

Mountain Rescue Insurance

It is a condition of booking that you are insured against medical expenses, injury, illness, death, mountain rescue, cost of repatriation and personal accident risks. Please 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. Most of our trips have a maximum altitude of 3,000 metres. If you are unsure or are joining a bespoke trip, then please ask us for specific details.

Please bring a copy of your insurance details with you, and carry it at all times. Failure to provide proof of insurance if requested will 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.

Trip Cancellation/Curtailment Insurance

You should also have insurance to cover trip cancellation and curtailment. Please note that your deposit and balance payments are non-refundable, unless it is Tracks and Trails who cancel the trip due to a failure to reach the required minimum numbers. In this case we will offer you a full refund or the option of transferring to another trip if one is available. We also advise that you should have insurance which covers baggage loss/equipment damage as Tracks and Trails will not be held responsible for loss/damage to baggage/equipment.

All of the above is referred to in points 10, 11, 11a, 12 and 22 of 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.

Listed below are some companies which provide appropriate cover for the activities that we offer. Each company has a different set of conditions and different levels of benefit in the event of a claim, so do check the details carefully before making a purchase to ensure that they suit your own personal situation and country of residence. 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.

It is entirely your own 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.

Assur Sport

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. 

Impact Multi Sports Insurance

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. 

Bupa Travel Insurance

Bupa offer international health and travel insurance to both individuals and corporate customers with a wide variety of health and travel insurance plans.

World Nomad Insurance

World Nomad offers simple and flexible insurance cover. 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.

British Mountaineering Council

If you are a member of the BMC they provide insurance for a wide range of mountain activities and many membership benefits.


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.

Austrian Alpine Club

Mountain rescue insurance is included in the annual membership fee.


Provide a range of activity insurance, including cover suitable for our Norwegian cross country ski trips.

Ski Club of Great Britain

They provide insurance cover for all our winter activities, including snowshoeing, cross country skiing and ski touring. They also cover a range of summer sports.