Stay Safe: Why You Should Bother With Rock Climbing Insurance

Is rock climbing insurance really important? Read this post and learn how extra insurance coverage for rock climbing can help you!

RELATED: 7 Thrilling Rock Climbing Destinations In The U.S.

Reasons Why Rock Climbing Insurance Is A Must

Better to Be Safe Than Sorry

You might think you don’t need rock climbing insurance because you’re sure you’ll be safe. Remember, anything can happen while you’re doing it.

One wrong move can potentially cause a series of disasters, which can get you seriously injured. This is where rock climbing insurance comes in really handy—it’s your leverage against a very bad scenario.

1. Extra Protection

The best climbing harness and belay device won’t stop bad situations. There’s always a possibility of you falling during the climb—no matter how good you are at slab climbing, crack climbing, or whatever climbing technique you are an expert in.

But with insurance equipped, you can protect yourself even after you fall.

2. Life Insurance Does Not Cover Everything

You might be thinking twice about getting rock climbing insurance because you already have life insurance. However, your current life, health, or even travel insurance may not cover injuries caused by high-risk activities and extreme sports like rock climbing.

Before you do this sport, make sure you clarify matters with your insurance provider first. You can upgrade the insurance coverage or you can get another package specifically for rock climbing.

3. Medical Coverage

A rock climbing insurance may cover medical costs in case of an injury, which is not normally covered by an average life or health insurance. Accidents in extreme sports can rack up a hospital bill amounting to a whopping $500,000.

If you do get injured, you would want to recover in peace and not worry so much about how to pay your medical fees.

4. Makes Physical Therapy Budget-Friendly

When you upgrade your current travel insurance or get rock climbing insurance, you might want to also include physical therapy as part of the coverage.

Physical therapy can be a long process, which in turn can be costly. Coverage of physical therapy might just diminish the cost.

RELATED: Rock Climbing For Beginners Part 2: Footwork And Foot Placement

5. Emergency Medical Evacuation Coverage

Coverage on medical evacuation may help diminish the cost of having to be airlifted from a specific location. This may or may not be part of a rock climbing insurance, however. It would have to depend on the insurance company.

If you’re getting this coverage at the insurance company of your choice, well and good.

6. Less Cost on Prescription Meds

Some rock climbing insurance policies may include coverage on prescription meds. Depending on your injury, the cost of your prescription meds may reach a staggering amount.

You might want to be covered in this area as well, just in case.

7. Makes You Less of a Burden

You don’t want to be a burden to your family and friends, in case you get injured. Having rock climbing insurance can help spare them from stress.

They can focus on helping you recover, instead of worrying about how to pay your medical bills.

Check out the world’s hardest rock climb in this video by REEL ROCK:

Your climbing skills and gear can reduce rock climbing risks. You can prepare all you want and know many survival hacks and skills. But remember, there are still dangers out there that are unpredictable.

That’s why you must not skimp on a rock climbing insurance. This safety net is something you can turn to, should the worst happen.

Did this post help you understand the importance of rock climbing insurance? Let us know what you think by writing a comment below!

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Editor’s Note – This post was originally published in December 2019 and has been updated for quality and relevancy.