All BMC Travel Insurance policies purchased after 6pm 11 March 2020 do not cover any claim in any way caused by or resulting from a) Coronavirus disease (COVID-19); b) severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2); c) any mutation or variation of SARS-CoV-2; any fear or threat of a), b) or c). This exclusion does not apply to emergency medical expenses. Click here for more information.

All BMC Travel Insurance policies include cover for COVID-19 related claims for emergency medical expenses and repatriation. Policies purchased before 6pm 11 March 2020 are unaffected. Please check the FCO has not advised against “all” or “all but essential” travel to your destination.

Step 1: Choose a Policy

Travel
Trek
Rock
Alpine & Ski
High Alt & Remote

Choose one of our 5 policies

This policy is for those who are not participating in any sports but require short term travel, cancellation, medical and baggage cover only

What's Covered

For individuals or family BMC members who are NOT participating in any sports but require basic short-term travel insurance. Single-trip cover only. Not available if travelling to Worldwide (excluding Cuba) or to those aged 70 or above

Sports and Leisure Activities Also Covered

  • Aerobics
  • Angling
  • Archery
  • Badminton
  • Ballooning: hot air (passenger only)
  • Banana boating
  • Bar work
  • Baseball
  • Basketball
  • Beach games
  • Billiards
  • Bird watching
  • Bodyboarding
  • Bowling
  • Bowls
  • Bridge
  • Camel trekking
  • Chess
  • Cricket
  • Croquet
  • Cycling (except cycle touring, cycle racing, BMX and/or mountain biking)
  • Dancing
  • Darts
  • Dinghy sailing (on-competitive and on inland or coastal waters only)
  • Elephant riding/trekking (UK booked)
  • Football: beach kick-around
  • Freshwater/sea fishing
  • Frisbee
  • Fruit or vegetable picking
  • Glass-bottom boats
  • Golf
  • Historical research
  • Indoor skating
  • Jogging
  • Keep fit
  • Motorcycling on public roads (tarmac/concrete) with appropriate UK licence and no racing (inc. as a passenger) up to 125cc
  • Netball
  • Pilates
  • Pony trekking
  • Pool
  • Quoits
  • Racquetball
  • Re-enactment
  • Restaurant work
  • Ringos
  • Rounders
  • Sail boarding
  • Snooker
  • Snorkelling
  • Softball
  • Squash (amateur)
  • Surfing (amateur)
  • Swimming (amateur)
  • Table tennis
  • Ten-pin bowling
  • Tug-of-war
  • Volleyball
  • Wakeboarding (amateur)
  • Water Skiing (amateur)
  • Whale watching
  • Windsurfing
  • Working (non-manual work e.g. office or attending a conference)
  • Yoga

What's Not Covered

  • Sporting, adventure or activity holidays

Still can’t find what you’re looking for? Contact insure@thebmc.co.uk

This policy is for hill walking, trekking and backpacking up to 5,000m

What's Covered

  • Mountain walking in Britain – including the use of crampons and ice axes
  • Recognised trekking routes with simple glacier crossings and simple ungraded scrambles
  • Via ferrata
  • Mountain-walking trips including adventurous treks in the Alps, Pyrenees, and lower routes in the Andes and Himalaya up to 5,000m
  • Non-technical ascents of easy trekking routes on peaks that do not require the use of technical climbing equipment.

Examples

  • Tour du Mont Blanc (not summit)
  • Walkers' Haute Route Chamonix-Zermatt
  • The GR 20, Corsica
  • Via ferratta in the Dolomites
  • The Inca Trail and Machu Picchu
  • Trekking in Patagonia
  • Normal trekking routes on peaks such as Tiede, Tenerife
  • Marmolada
  • Mount Toubkal
  • Mount Kinabalu

Sports and Leisure Activities Also Covered

  • Backpacking
  • Camping
  • Canoeing and kayaking (inland waters up to and including Grade 3)
  • Curling
  • Cycle touring
  • Dragonboat racing
  • Fell walking
  • Fencing
  • Glacier walking
  • Gorilla trekking
  • Hill walking
  • Horse Riding (excluding racing & jumps)
  • Horse Trekking
  • Mountain walking
  • Paintballing (professionally organised)
  • Rambling
  • Rowing
  • Safari (professionally organised)
  • Sea kayaking (coastal waters up to 12 miles offshore)
  • Snorkelling
  • Snowshoeing
  • Surfing (competitive)
  • Swim Trekking
  • Swimming (competitive)
  • Sydney Harbour Bridge
  • Trekking
  • Via Ferrata
  • Wake Boarding (competitive)
  • Water polo
  • Water Skiing (competitive)
  • Winter Mountain Walking

What's Not Covered

  • Ascents of graded climbs or technical ascents.
  • Graded Scrambles (For this you’ll need our Rock policy)
  • Trekking above 5,000m (for this you'll need our Alpine & Ski policy)
  • Trekking in remote, inaccessible or polar regions. (for this you should contact the BMC office)
  • Everest Base Camp and most trekking peaks in Nepal.
  • Kilimanjaro, Mount Kenya, Chimborazo, Aconcagua

Still can’t find what you’re looking for? Contact insure@thebmc.co.uk

This policy is for rock climbing and bouldering and graded scrambling up to 5,000m
All ‘Travel’ and ‘Trek’ activities are covered

What's Covered

  • Trad climbing: single or multi pitch with leader-placed protection (including big walling and lead climbing)
  • Bouldering
  • Speed climbing
  • Sport climbing
  • Abseiling
  • Soloing
  • Deep-water soloing
  • Indoor climbing walls

Examples

  • Fontainbleau
  • Kalymnos
  • Costa Blanca
  • Colorado
  • Wadi Rum, Jordan
  • Yosemite
  • Crags in alpine valleys with no glacial approaches
  • Val di Mello
  • Dolomites

Sports and Leisure Activities Also Covered

  • Abseiling
  • Big-wall climbing
  • Bouldering
  • Deep-water soloing
  • Competition Climbing (on a purpose built climbing wall)
  • Cross-country running
  • Fell running
  • Indoor wall climbing
  • Lead climbing
  • Low ropes
  • Marathon running
  • Mountain running (e.g. Ultra-Trail du Mont-Blanc or Marathon des Sables)
  • Obstacle Races (e.g. Tough Mudder etc.)
  • Orienteering
  • Rap running/jumping
  • River walking
  • Rock scrambling (graded)
  • Sailing/Yachting (non-competitive on inland and coastal waters only)
  • Solo climbing
  • Speed climbing
  • Sport climbing
  • Traditional climbing (single or multi-pitch with leader-placed protection)
  • Windsurfing (inland & coastal waters)

What's Not Covered

  • Rock climbs with crevassed approaches or descents
  • Any snow or ice climbing
  • Climbing and abseiling above 5,000m (for this, you’ll need our Alpine & Ski policy)

Still can’t find what you’re looking for? Contact insure@thebmc.co.uk

This policy is for trekking above 5,000m, and most types of skiing, climbing and mountaineering on most peaks of up to 6,500m
All ‘Travel’, ‘Trek’, and ‘Rock’ activities are covered

What's Covered

  • Recreational skiing activities including: on-piste, off-piste (with or without a guide), cross-country/Nordic/Langlauf, dry slope/indoor slope, backcountry/ski touring, downhill, telemark, big-foot Skiing, mono-skiing, heli/cat skiing, glacier skiing and ski mountaineering
  • Scottish winter climbing, ice climbing and alpine climbing
  • All climbing in Europe and most peaks worldwide up to 6,500m
  • Trekking above 5,000m, other than in remote or inaccessible areas
  • Most trekking peaks in Nepal, standard trekking routes on Aconcagua, via Horcones-, Vacas- and Guanacos- Valleys
  • Snowboarding is included in Europe and can be covered Worldwide on payment of an additional premium

Examples

  • Technical winter climbing in Scotland
  • Mont Blanc and all the European Alps
  • Climbers' Haute Route Chamonix-Zermatt
  • Kilimanjaro
  • Mt Kenya
  • Southern Alps (New Zealand & Australia)
  • Denali (Western Buttress only)
  • Mt Foraker,
  • Mt Hunter & Mooses Tooth
  • Chugach
  • Bugaboos
  • Cascade Ranges
  • Wind Rivers & Canadian Rockies
  • Island Peak, Nepal
  • Everest Base Camp Trek
  • Most trekking peaks in Nepal
  • Amphu Labsta & Gondogoro passes
  • Antisana
  • Cayambe
  • Illiniza Sur
  • Ojos Salados
  • Illimani
  • Aconcagua (except Polish Glacier & other technical routes)

Sports and Leisure Activities Also Covered

  • Adventure racing (up to 48 hours)
  • Black Water Rafting (professionally organised)
  • Canoeing & kayaking (inland waters up to and including Grade 5)
  • Canyoning
  • Caving (non-exploratory, excluding cave diving and use of explosives) Europe only
  • Coasteering
  • Cycle racing
  • Gorge walking
  • High-ropes courses
  • Husky dog sledding
  • Hydrospeeding
  • Ice skating
  • Kite Surfing
  • Mountain Biking - including downhill (non-competitive only)
  • Mountain boarding
  • Paragliding- Europe
  • Rollerblading (inline skating)
  • Roller skating
  • Sandboarding
  • Sand-dune surfing/skiing
  • Skiboarding
  • Scuba diving to 30m (if qualified or with qualified instructor; not solo)
  • Skateboarding
  • Ski Touring
  • Slacklining
  • Sledging/tobogganing
  • Sleigh riding (reindeer, horses or dogs)
  • Snow biking
  • Snow holing
  • Snow scooting
  • Snow tubing
  • Snowboarding (Europe only)
  • Terrain Parks (excluding Freestyle)
  • Tree-top canopy walking
  • Triathlon
  • White-water rafting (up to and including Grade 5)
  • Zip trekking
  • Zorbing

What's Not Covered

  • Climbing in remote or inaccessible regions
  • Exploratory expeditions and new routes on unclimbed peaks
  • High-altitude technical climbing over 6,500m, especially in the Greater Ranges (e.g. Himalaya, Tien Shan, Karakoram, Andes)
  • Competitive winter sports
  • Extreme skiing (unless agreed in writing), ski-jumping, paraskiing and kite-skiing
  • Freestyle (eg: aerials, big air, halfpipe, ski-cross and slopestyle)

Still can’t find what you’re looking for? Contact insure@thebmc.co.uk

This policy is for all mountaineering and climbing activities, including climbs and expeditions to very inaccessible regions and difficult or extreme high-altitude peaks anywhere in the world

What's Covered

  • Mountaineering and Climbing expeditions on peaks that exceed 6,500 metres, or lower peaks in remote and inaccessible regions; difficult or extreme high-altitude peaks anywhere in the world. This includes the high mountains of Asia and South America and the mountains of the Arctic and Antarctic. Additional activities as notified and agreed (e.g. yachting/crewing outside territorial waters, snowmobile use or using a rigid inflatable boat for logistical purposes).

Examples

  • Everest
  • Cho Oyu
  • Ama Dablam
  • K2
  • Denali
  • Aconcagua (Polish Glacier routes)
  • Shishapangma
  • Mt Vinson
  • Denali (Cassin Ridge)
  • Gunnbjorns Fjeld
  • Mount Khuiten
  • Peak Lenin
  • Huascaran.

Also Covered

  • Covers all activities under other policies plus any other activity declared to and agreed by us

Still can’t find what you’re looking for? Contact insure@thebmc.co.uk