Travel Resources for Adventurers
Best Travel Insurance for Tour du Mont Blanc
Written by Antonio Cala
Table of Contents
If you are preparing to tackle the Tour du Mont Blanc, whether you are an experienced mountaineer, an avid nature lover, or in pursuit of a thrilling quest, it’s important to ensure that you’re properly insured. Despite being a very popular trek, the journey around this iconic massif is truly memorable.
I will be totally honest with you. The trek isn’t remote and you pass through many towns along the way in an area that is very well connected. Many people don’t even get insurance to hike this trail while others use their credit card insurance or generic travel insurance to have some coverage if things get bad.
If you prefer to get proper hiking insurance to be fully covered no matter what happens during your hike, this article is for you. I will concentrate on insurance options tailored specifically for the Tour du Mont Blanc. We’ll dive into specific considerations pertinent to this magnificent journey through the varied terrains of the Alps, underscore vital elements for your insurance policy, and present our top insurance picks for 2024.
For a comprehensive exploration of insurance options designed specifically for hikers and mountaineering, be sure to explore both the insurance guide for hiking trips and the insurance guide for mountaineering trips and high altitude trekking.
Finally, for a complete overview of insurance options for adventure travelers, make sure to check out the Ultimate Guide to Adventure Travel Insurance.
Quick Recommendations
If you want some quick recommendations, here is our infographic to help you choose the best insurance for your trip to the Tour du Mont Blanc.
Tour du Mont Blanc Travel Insurance Overview
When seeking travel insurance for the Tour du Mont Blanc, the challenges presented by the varied alpine terrain and the circuit’s expansive nature are crucial considerations. The Tour du Mont Blanc, while not as remote as some treks, still requires careful thought due to its physically demanding routes.
Some standard travel insurance policies might not cover the particular risks associated with alpine hiking across France, Italy, and Switzerland. Thus, it’s wise to select a policy that includes coverage for trekking activities and potential medical emergencies in mountain locations.
Health concerns such as exhaustion and injuries are potential risks when circumnavigating Mont Blanc. Ensuring your policy encompasses provisions for medical evacuation is essential, as reaching medical facilities could take considerable time depending on your location along the route.
For the utmost protection, opting for insurance that is specifically designed for the conditions and the geographical extent of the Tour du Mont Blanc is recommended. This guarantees comprehensive coverage, offering peace of mind in case of emergency medical situations or the need for evacuation.
What Does It Cover?
The majority of insurance policies typically offer the same coverage as a traditional travel insurance policy but specifically extend that coverage to hiking in the mountains. The main four categories are as follows:
Medical Expenses
If you experience an unforeseen injury or illness while undertaking your hike, having specialized adventure insurance is indispensable. It offers coverage for emergency medical costs in the remote and challenging environments you’ll encounter, ensuring that you’re adequately safeguarded throughout your journey.
A thorough policy caters to a range of medical scenarios, from minor health issues to major medical procedures. Whether it’s prompt first aid or complex care, a meticulously designed insurance plan provides the financial support needed to safeguard your well-being amidst the demanding conditions of the Tour du Mont Blanc.
Equipment Coverage
Should your gear endure damage, theft, or loss while on your expedition around the Tour du Mont Blanc, having specialized adventure insurance is essential. Typically, these policies encompass such unfortunate events, covering essential possessions such as electronics and backpacks, with coverage limits often reaching into the thousands of dollars. This safeguard enables you to file a claim, alleviating the financial strain associated with mending or substituting your crucial hiking equipment.
Trip Cancellation or Interruption
If situations emerge that make you cancel or cut short your hike on the Tour du Mont Blanc due to an injury, possessing specialized insurance crafted for these contingencies provides the opportunity to get a reimbursement for the segments of your trip that you’re unable to undertake.
Emergency Evacuation
What Doesn't Cover?
If you’re opting for less-trodden adventures, such as embarking on independent side excursions in the region or climbing some of the peaks in the area rather than the conventional Tour du Mont Blanc route, typical hiking insurance might not provide sufficient coverage. While the standard circuit is frequently covered, partaking in climbing activities could require additional safeguards.
It’s important to thoroughly assess your travel itinerary, especially if it incorporates atypical trails or mountaineering activities. If you are contemplating a particularly unique or extremely isolated adventure, then the best insurance option may be Global Rescue.
Best Travel Insurance for Tour du Mont Blanc
Our Pick For
Best Rescue Services + Any Nationality + Medical/Evacuation Only
Nationalities: all nationalities are covered.
Pre-existing conditions: Yes.
Seniors Over 65: People aged 65-75 are included in the Individual Plan. Extended Plan memberships are available to those age 75-84 and include all services but are contingent upon completion of a medical form and a physician’s medical verification.
Trip Duration: Short term policies (7, 14 or 30-days) and long term policies (1 to 5 years) available.
Groups: Individual, family and student plans available.
Situations covered: It covers civil unrest, natural disasters, government evacuation orders and other security emergencies (when purchasing the Security package).
Reasons To Buy
Remote locations coverage. Coverage available for 65-84. Pre-existing conditions accepted. All nationalities accepted.
Reasons To Avoid
The price is a bit higher than other insurance policies. However, no other company provides the same coverage as Global Rescue. It doesn’t cover trip cancellations or delays. It doesn’t cover equipment.
Worldwide field rescue (up to $500,000) in remote or dangerous environments. Global Rescue’s deployable teams are standing by to rescue their members from the point of illness or injury for any serious medical emergency.
Medical Evacuation. Global Rescue’s fully deployable medical teams have unparalleled capabilities to transport our members back to their home hospital of choice from anywhere in the world. This includes global COVID-19 transport.
Medical & Security Advisory Services. Global Rescue’s operations centers are staffed by experienced nurses, paramedics and military special operations veterans. Global Rescue also has partnerships with the Johns Hopkins Emergency Medicine Division of Special Operations, Elite Medical Group and Partners HealthCare, the Harvard Medical School affiliate.
Security Membership. Global Rescue’s teams of military special operations veterans are available to provide advisory, consultation and evacuation services for events like natural disasters, terror attacks and civil unrest when you are in danger.
Destination Reports & Event Alerts. Destination reports for 215 countries and principalities worldwide include entry requirements, COVID-19 travel status and restrictions, detailed health and security assessments and required immunizations. Keep up to date on health and security events worldwide.
My Global Rescue Mobile App. Access Global Rescue services in one location. Browse destination reports and alerts, activate emergency assistance, real-time virtual health visits and keep track of the people you care about with GPS tracking and messaging.
Security Package. Physical extraction when you are in danger of bodily harm. It includes civil unrest, natural disasters, government evacuation orders and other security emergencies.
High Altitude Evacuation.. This is for individuals traveling above 15,000 ft (4,600 m) during any part of their trip (excluding airplane travel). It also includes emergency physical transport due to injury or illness.
Global Rescue is the most comprehensive travel protection available worldwide. It has the least restrictions and biggest coverage than any other medical insurance.
It’s a medical-only protection designed for adventure travelers planning to go remote in an independent or organized adventure trip. All nationalities are covered and options for people over 75 are available.
While it might be a bit overkill for the Tour du Mont Blanc, there’s no other company with the same rescue capabilities and medical network like Global Rescue.
Global Rescue is our absolute preferred option for anyone planning to do some mountaineering aside the traditional TDMB route.
Our Pick For
Americans + High Medical Coverage + Trip Protection
Nationalities: Only US citizens and residents are eligible.
Pre-existing conditions: Pre-existing conditions can be covered for Trip Cancellations and Interruptions, as long as you purchase your plan within 14 days of your initial trip deposit, and are medically able to travel when you purchase your plan.
Seniors Over 65: There is no maximum age limit.
Trip Duration: All plans cover trips up to 180 days.
Groups: Insurance policies for solo travelers, couples and families are available.
Reasons To Buy
The prices are very competitive.
Plans are very customizable with plenty of extras available and the option of removing items you don’t need.
Pre-existing medical conditions accepted.
24/7 chat available with the Faye Mobile App
Reasons To Avoid
Only available to American residents.
Emergency Medical Expenses: Up to $250,000. If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs, hospitalization and physician costs.
Emergency Evacuation: Up to $500,000. Coverage of transportation in the case of illness or injury that is acute, severe or life threatening when adequate medical treatment is not available in the immediate area.
Trip Cancellation: Up to 100%. If you need to cancel your trip for covered reasons, including if you get sick, contract COVID-19, or a travel provider goes bankrupt. We can cover flights, hotel bookings, tickets & activities, and quarantine accommodation.
Trip Interruption: Up to 150%. When you must unexpectedly cut your trip short or extend it for covered reasons, including if you contract COVID-19.
Trip Delay: Up to $4,500. Up to $300/day, for delays of more than 6 hours. When you’re stranded in transit due to reasons outside of your control such as flight delay or theft of passport.
Lost or damaged Belongings: Up to $2,000. Reimbursement for lost, stolen, or damaged luggage, including clothing, personal items and professional equipment like a phone or laptop.
Cancel for Any Reason: Up to 75% of Trip Cost. The ability to nix your trip for reasons other than those covered in your plan’s trip cancellation coverage, including fear of contracting COVID-19, as long as you purchase this coverage within 14 days of your initial trip deposit and cancel at least 48 hours in advance of your scheduled departure date.
Pet Care: Up to $2,500 in veterinary expenses & $250 for kenneling. Coverage of veterinary expenses if you take your furry friend along (including pet sickness or injury), or kenneling costs if you arrive back home later than expected.
Adventure & Extreme Sports: Up to $250K (international trips) or $50K (domestic trips) for accidental & sickness expenses. Medical and transportation coverage if you become injured while participating in an adventure or extreme sport, like skydiving, bungee jumping, motocross or free diving.
Faye insurance provides American residents one of the biggest medical coverages on the market at a very competitive price.
We recommend Faye for Americans who want to have the trip cancellation/interruption & baggage cover for their Tour du Mont Blanc, that Global Rescue doesn’t provide.
Our Pick For
Non Americans + Budget
Nationalities: Most nationalities can purchase insurance from World Nomads, including residents of the United States, Canada, the United Kingdom, India, Australia, or New Zealand. However, as of the current writing, most European residents are unable to buy a World Nomads policy.
Pre-existing conditions: Not covered.
Seniors Over 65: Travelers aged 70 and over are not covered.
Trip Duration: All plans cover trips up to 365 days.
Groups: Insurance policies for solo travelers, couples and families are available.
Reasons To Buy
The price is competitive.
Reasons To Avoid
Prices and coverage vary greatly by the country of residence.
Some European nationalities are not covered.
Pre-existing medical conditions not covered
Max age is 70 years old.
Emergency Accident & Sickness Medical Expense: Up to $100,000. Coverage is for medical expenses for emergency treatment of an accidental injury that occurs during the trip. Emergency treatment must be medically necessary and performed during the trip. Refer to the certificate / policy for complete details.
Emergency dental treatment: Up to $750. Coverage is for emergency dental treatment for accidental injury to sound, natural teeth. The injury and treatment must occur during the trip.
Emergency Evacuation: Up to $500,000. Coverage is for an accidental injury or sickness occurring during the trip that results in your necessary emergency evacuation. An emergency evacuation must be ordered by a physician who certifies that the severity of your accidental injury or sickness warrants your emergency evacuation. Refer to the certificate / policy for complete details.
Trip Cancellation: Up to $10,000. Reimburses for prepaid, non-refundable cancellation charges if you must cancel your trip (after the effective date) due to covered sickness, accidental injury, or death of you, a family member or traveling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike or other covered reasons. Refer to the certificate / policy for complete details.
Trip Interruption: Up to $10,000. Reimburses for prepaid, non-refundable, unused expenses if you must interrupt your trip (after departure) due to a covered sickness, accidental injury, or death of you, a family member or traveling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike, or other covered reasons. Refer to the certificate / policy for complete details.
Trip Delay: Up to $3,000. Coverage is for unused portion of pre-paid accommodation or additional expenses, on a one-time basis, if you are delayed en route to or from the trip for 6 or more hours due to a defined hazard as explained in the certificate / policy.
Baggage & Personal Effects: Up to $3,000. Reimbursement is for loss, theft or damage during the trip to baggage and personal effects (including sporting equipment) owned by you, provided you have taken all reasonable measures to protect, save and recover the property. Per article limit of $500.
Activities covered based on 4 groups. You pay more for higher group. The Explorer plan includes more activities than the Standard Plan. Extreme activities not covered (cave diving, free soloing, etc)
The World Nomads Explorer Plan is a great option if you’re looking for an affordable travel insurance with good medical coverage and some equipment coverage (up to $3,000) under the same policy.
We recommend World Nomads Explorers plan for the Tour du Mont Blanc if you want the trip & baggage protection that Global Rescue doesn’t provide, and do not live in the United States.
Comparison Table
Company |
Plan |
Medical Expenses |
Emmergency Evacuation |
Trip Cancellation |
Trip Delays |
Equipment Coverage |
|---|---|---|---|---|---|---|
|
|
Travel |
$100,000 |
$500,000 |
None |
None |
None |
|
|
Adv Sports |
$250,000 |
$500,000 |
100% |
150% |
$2,000 |
|
|
Explorer |
$100,000 |
$500,000 |
$10,000 |
$3,000 |
$3,000 |
Conclusion
When searching for insurance for the Tour du Mont Blanc, it’s vital to ensure that the coverage is appropriate for the challenges of hiking through the diverse alpine environments of the European Alps.
For premier rescue services, Global Rescue is a notable provider, offering elite medical evacuation services and comprehensive worldwide coverage, which is important if you are planning some mountaineering activities apart from the classic Tour du Mont Blanc route.
For US residents in need of trip cancellation/interruption and baggage coverage, Faye offers a robust option. It provides substantial medical coverage, accommodates pre-existing conditions, and encompasses adventure sports protection, which is essential for a trek like the Tour du Mont Blanc.
For international trekkers, the Explorer Plan from World Nomads stands as a trustworthy option, offering broad medical coverage that’s well-suited for hiking adventures, along with cost-effective policies that include trip protection and baggage coverage.
Other Hiking Trails
If you would like to read more about insurance options for some of the most popular hiking routes from around the world, you can check out the other trails we’ve written about below:
Himalayas Region
Other Travel Insurance Reviews
If you would like to read more about insurance options for other type of adventure trips, you can check out our other reviews below:
- Skiing & Snowboarding
- Hiking Trips
- Mountaineering & High Altitude Trekking
- Mountain Biking, Bike-touring & Bike-packing
- Rock Climbing, Ice Climbing & Bouldering
- Kayaking, White Water Rafting & Paddle Boarding
- Fishing & Spearfishing
- Diving Liveaboards & Freediving
- Sailing, Kite Surfing & Surfing
- Adventure Cruises
- Adventure Motorcycling
Tour du Mont Blanc Insurance Reviews Online
During your research, you might want to consider checking out articles from various publications that provide insights into insurance options for those who want to hike the Tour du Mont Blanc in the Alps.
Below are a few articles that I thought were interesting.
Tour du Mont Blanc Travel Insurance: What You Need to Know – TMBTENT
TMB Insurance – Reddit.com
About the Author
Antonio was born and raised in Southern Spain, and quit his job in 2013 to travel the world full-time with his wife Amanda for 10 years straight. Their passion for adventure took them to visit 150+ countries.
They cycled 25,000km + from California to Patagonia, sailed over 10,000NM around the Caribbean & Sea of Cortez, rode their motorbikes 30,000 kms+ across West Africa (Spain to South Africa) and visited Antarctica, among many other adventure expeditions. Today, they’re still traveling, currently around the USA with an RV.
Traveling to so many places, remote destinations and by different means taught them a lot about travel insurance, which policies to hold depending on the area and the type of adventure they were doing. Antonio now publishes regular content to help other travelers choose the best travel insurance for adventure trips.
Together, they also run the travel community Summit, the RV site Hitched Up, the boutique accommodation blog Unique Places and the popular newsletter Adventure Fix, where they share their knowledge about the places they’ve visited and the ones still remaining on their list.
Antonio Cala
Co-Founder of Adventure Fix