The sharp end is no place for a coverage gap.
Get a QuoteStandard travel insurance covers 'hiking' and quietly excludes 'mountaineering' and 'technical climbing' — usually defined as roped climbing, glacier travel, or anything requiring specialized equipment. The line is vague on purpose, which is exactly how claims get denied. If you're leading a pitch or crossing a glacier, you need a policy that names the activity.
Add TuGo's Sports & Activities Coverage at quote time and rock climbing & mountaineering is covered — not excluded.
Lead-fall injuries mean complex fractures, head and spinal trauma — multi-day ICU stays can exceed $14,000 per night for a non-resident.
Parks Canada rescue is often free within national parks, but rescues on provincial Crown land or private crags can be billed — and air-evac always is.
AMS, HAPE, and HACE on alpine routes need immediate descent and often medevac — not covered by a hiking-tier policy.
Cost figures are illustrative ranges for non-resident care in Canadian hospitals. Actual costs vary by province, facility, and treatment.
Most insurers exclude rock climbing & mountaineering. TuGo doesn't have to. Add the Sports & Activities Coverage at quote time.
Get a Quote See all covered activitiesOne night in a Canadian ICU can top $14,000 — without coverage, that's on you.
Cost reality