Mt Whitney Zone Forums General Discussion Stupid Hikers

You can get rescue coverage with your Spot or InReach subscription for $18/yr. Its not really "insurance" its more like a private rescue service. Here's how they word the "unprepared hiker clause" and some of the other exclusions:

Circumstances which could have reasonably been anticipated at the date the trip began e.g. forecast of adverse weather conditions
• Emergency caused by inadequate provision or training or competence
needed to complete the planned trip
• Cost incurred due to a pre existing or chronic condition or mental disorder of the member including self-harm or suicide attempt.
• Costs arising from any illegal use of a weapon
• Accidents arising from sky diving or sky surfing
• Accidents arising from hang gliding or paragliding
• Where any accident, injury or illness arises from the use of drugs or alcohol
• Costs covered by any other insurance policy of your own or;
• For any incident caused by a third party where costs can be recovered from that third party