A mountain accident can involve medical treatment, transport and a search or rescue operation. These are different costs. A policy that covers emergency treatment does not automatically cover every activity or rescue bill.
In this guide+
Name the activity precisely
Tell the insurer whether you will walk marked trails, ski on pistes, ski off-piste, climb, or join a competition. Wizer's visitor terms exclude health costs connected with sports participation and high-risk sport in specified circumstances; Unison's incoming-tourist terms exclude professional sports. The wording and exceptions differ by policy.
Check rescue separately
Look for explicit terms on search, mountain rescue, medical evacuation and transport to a clinic. Wizer's visitor terms describe medical evacuation within policy limits, but that is not a blanket promise to pay for any search or rescue operation.
In an accident
Call 112 if emergency help is needed. Give rescuers your location, then contact the insurer's assistance line when possible. Save the policy, incident details and invoices.
Ready to compare plans?
Open the relevant insurance page, compare options, and apply online in a few minutes.
Get Insurance NowReviewed against the primary sources linked below
Use the issued policy document for exact benefits, limits, dates, exclusions, and insurer terms.
