πŸ”’ Licensed & Regulated Insurance Provider

Protect Your Journey.
Focus on the Adventure.

Comprehensive outdoor adventure insurance tailored for trekkers, climbers, and explorers. Coverage that moves at your pace.

Adventure-Ready Coverage

Transparent pricing. No hidden fees. Choose the plan that matches your expedition.

TrailReady
$49/trip

Perfect for day hikes, guided tours, and low-altitude treks.

  • Emergency medical up to $25,000
  • Basic trip cancellation
  • Lost/delayed baggage
  • 24/7 assistance hotline
ExpeditionPro
$249/trip

Built for extreme environments, polar regions, and extended wilderness trips.

  • Emergency medical up to $500,000
  • Helicopter & marine evacuation
  • Gear protection ($15,000 limit)
  • Full trip interruption & delay
  • Dedicated claims coordinator
  • Pre-existing condition waiver
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What's Covered

We've partnered with top-tier medical and logistics providers to ensure you're protected anywhere on the map.

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Emergency Medical

Hospitalization, surgeries, medications, and physician visits while traveling.

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Evacuation & Rescue

Ground, air, or sea transport to the nearest adequate medical facility.

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Gear & Equipment

Reimbursement for damaged, lost, or stolen expedition gear and personal items.

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Trip Cancellation

Full refund for prepaid, non-refundable costs due to covered reasons.

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24/7 Global Support

Multilingual assistance team available any time, any zone.

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Altitude & Weather

Coverage for acute mountain sickness and weather-related delays.

⚠️ Standard Exclusions

  • Activities not explicitly listed in your policy schedule (e.g., technical ice climbing without certification)
  • Injuries sustained while under the influence of alcohol or illegal substances
  • Pre-existing medical conditions unless specifically declared and approved prior to departure
  • Travel to regions under active government travel advisories or war zones
  • Elective cosmetic procedures or routine medical check-ups during travel
  • Loss of cash, tickets, or perishable items

How to File a Claim

Simple, transparent, and fast. We know emergencies don't follow schedules.

1

Report the Incident

Call our 24/7 hotline or use the secure portal. Provide your policy ID and basic details.

2

Submit Documentation

Upload medical reports, receipts, police reports, or incident statements via email or app.

3

Review & Processing

Our claims team reviews your submission within 48 hours and contacts you if clarification is needed.

4

Fast Payout

Approved claims are processed directly to your bank account or credit card within 7-10 business days.

Frequently Asked Questions

Everything you need to know before you hit the trail.

Yes. All plans include worldwide coverage, excluding sanctioned regions or active conflict zones. International emergency assistance is included at no extra cost.
Coverage can only be purchased before your departure date. Once travel begins, policy terms are locked to prevent adverse selection. Please plan ahead.
Technical climbing (above Grade III) requires the ExpeditionPro plan plus a certified guide waiver. Standard plans cover recreational trekking and non-technical hiking up to 15,000 ft.
If you purchase your policy within 14 days of your initial trip deposit and are medically eligible at the time of purchase, you may qualify for a waiver. Documentation from your physician may be required.
Delays of 6+ hours due to severe weather are covered under trip interruption benefits. We'll cover additional accommodation and meals up to your policy limit.

Need a Custom Quote?

Planning a unique expedition, group trek, or commercial adventure? Our underwriting team will tailor coverage to your exact route, duration, and risk profile.

πŸ“ž +1 (800) 784-6489 (TOLL-FREE)
βœ‰οΈ insurance@summitxadv.com
πŸ“ 420 Alpine Way, Denver, CO 80202
πŸ•’ Mon-Fri: 8AM-8PM EST | Claims: 24/7