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General Climbing Discussion

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Climbing Insurance 5-Jul-2011 At 11:10:11 PM Ben_E

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On 5/07/2011 Wendy wrote:
>I've never understood why anyone uses ihi or insureforless. ihi is not
>a general travel policy, so you still need another one if you want to cover
>lost luggage and such, and neither of them are cheap.
>

Actually, luggage was covered under the insure4less option up to $7,500. You're only partially correct it is not a general travel policy, as essentially you (i.e., I) brought a general travel policy with an extra climbing rider.

All up (including the basal travel insurance) it probably cost just over double your yearly Austrian Alpine Club membership.

The Austrian Alpine Club membership may be a better option, though I'd want to do a very careful side by side comparison of how much each covers. At a glance the Alpine Club seems to only cover medical expenses to 10,000 Euro, which, frankly, a serious accident in the US could clock up pretty quickly. I think I was covered for medical expenses to $5,000,000.

As I said above, though, the ultimate test is how much of a hard time they give you if the poo hits the fan and they need to come up with $. It's possible the Austrian Alpine Club has a much better ethos there, given insurance companies largely make their money by, well, not paying.