Activity 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 whilst taking part in any of the activities we offer e.g. walking in the mountains, cross country skiing, snowshoeing and trail running etc. 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.

This does not apply to trips taking place in the United Kingdom as mountain rescue in these countries is free of charge.

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 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.

COVID-19 Insurance

As well as medical cover, we recommend that you have appropriate travel insurance so that if you fall ill and test positive for COVID-19 prior to (or during) your trip, you will be financially covered for cancelling your trip. You should also consider booking a policy that covers you if you have to cancel or curtail your holiday because you have to self-isolate. If you choose to cancel, cancellation charges will be payable, but if the reason for your cancellation is covered under the terms of your insurance policy, you may be able to reclaim these charges. Please read the clauses below detailing trip cancellation and curtailment.

Travel Insurance covering COVID-19 is now available from a number of suppliers; BMC, Campbell Irvine, Trailfinders and Staysure. Please check their websites for the latest information on what is and isn't covered. It is likely that more companies will offer COVID related cover in the future.

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.

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.

Listed below are some companies who 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. This insurance is accessible to European residents. 

Austrian Alpine Club

Mountain rescue insurance is included in the annual membership fee.

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.

BMC Travel Insurance INCLUDES cover to an area where the 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

BMC Travel Insurance INCLUDES cover for COVID-19 related claims for emergency medical expenses and repatriation. However, EXCLUDES any cancellation and Journey Disruption claims in any way caused by or resulting from a) Coronavirus disease (COVID-19); b) severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2); c) any mutation or variation of SARS-CoV-2; any fear or threat of a), b) or c). More info

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.

Campbell Irvine

Campbell Irvine Direct have been arranging travel insurance to some of the most adventurous and challenging locations around the world for over 45 years, and will also cover insurance for COVID-19.

Compare the Market

Offers the possibility to search for and compare various sports insurance policies. 


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

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. 

Ski Club of Great Britain

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


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.


Offer enhanced protection against COVID-19 related cancellations, medical expenses and repatriation as well as FCDO 'Non Essential' destinations cover.

Trail Finders

Trail Finders offer for adventurous activities and Covid-19 cover including; cancellation prior to travel, curtailment of your trip, quarantine, and medical expenses whilst overseas.

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.

Updated: 26th March 2021