How to choose international mountain insurance, mostly for Europe?

6/24/2016 7:36:58 PM

The best I can recommend to you is to become a member of the German Alpine Club (Deutscher Alpenverein, DAV) or the Austrian Alpine Club (ÖAV, all links in German). Membership costs varies depending on the “Sektion” you choose to become a member of (you can choose freely and I know many people who choose one purely based on cost) but is in the range of EUR50 and comes with worldwide insurance for mountain sports (through ASS for the DAV).

@Relaxed suggests in this excellent answer that the ÖAV should be your first try, as they have a Britannia Sektion and some info in English as well as less restrictions in their terms and conditions. I second that advice! What you get is

  • Search and rescue costs up to € 25,000

  • Repatriation with no upper cost limit

  • Reimbursement of expenses due to hospitalisation after accidents occurring in the course of leisure activities or business as well as illness, up to € 10,000

  • Third party liability insurance within Europe for many sporting activities, up to € 3,000,000

  • Legal expenses insurance within Europe for many sporting activities, up to € 35,000

Here is a table comparing the cost of all the German sections (in German, you guessed it). You will want to look to the “A” column (full member) which you can sort. Currently it seems the “Alpenfreunde Euskirchen” are the cheapest at EUR40 annually. At first search I could not find a homepage for them so you might be happier at another, more internet-affine “Sektion”.
In Austria the fees seem to be the same across sections and can be found here, currently you pay EUR61 per annum to be a full member, but they mention extra charges for members from abroad due to higher processing expenses.

Credit:stackoverflow.com‘

About me

Hello,My name is Aparna Patel,I’m a Travel Blogger and Photographer who travel the world full-time with my hubby.I like to share my travel experience.

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