When you buy insurance for a mountain trek, you deserve to know exactly what you are paying for. No vague promises, no fine print surprises, no discovering mid-rescue that helicopter evacuation "isn't included."
Here is a complete, transparent breakdown of every benefit in our Adventure Insurance, underwritten by SIGAL Insurance Group.
The Three Tiers
We offer three cover styles. Adventure and Adventure+ share the same underlying insurance policy — the difference is in the service level and retail price, not the insurance benefits. Essential is a different, more limited policy.
| Essential | Adventure | Adventure+ | |
|---|---|---|---|
| Target use | Day trips, ferry rides | Multi-day treks | Multi-day treks |
| Search & Rescue | ❌ Not included | ✅ Up to €10,000 | ✅ Up to €10,000 |
| Medical Evacuation | ❌ Not included | ✅ Up to €30,000 | ✅ Up to €30,000 |
| Max Coverage Limit | €10,000 | €30,000 | €30,000 |
| Emergency Medical | ✅ Covered | ✅ 100% | ✅ 100% |
| Emergency Dental | ✅ Covered | ✅ Covered | ✅ Covered |
| Repatriation of Remains | ❌ Not included | ✅ Up to €10,000 | ✅ Up to €10,000 |
| Accidental Death | ❌ Not included | ✅ Up to €4,000 | ✅ Up to €5,000 |
| Permanent Disability | ❌ Not included | ✅ Up to €4,000 | ✅ Up to €5,000 |
| Trip Curtailment | ❌ Not included | ✅ 100% | ✅ 100% |
| Baggage Loss | ❌ Not included | ✅ Up to €150 | ✅ Up to €150 |
| Baggage Delay | ❌ Not included | ✅ Up to €100 | ✅ Up to €100 |
| 24/7 Assistance | ✅ Basic | ✅ Priority | ✅ Enhanced |
| Service Level | Standard | Priority trip support | Enhanced service package |
Benefit-by-Benefit Explanation
Mountain Search & Rescue — Up to €10,000
What it covers: The cost of professional search and rescue operations to locate and extract you from a remote location. This includes ground teams, mule transport, and helicopter dispatch.
Why it matters: In Albania and the surrounding countries, search and rescue is not government-funded. A ground rescue operation costs €800–€2,500. A helicopter from Tirana costs €3,000–€8,000. Without this coverage, you pay out of pocket.
Excluded from: Essential tier.
Medical Evacuation / Repatriation — Up to €30,000
What it covers: Transport from the site of your injury/illness to a hospital, and if needed, medical repatriation to your home country. This includes ambulance transfers, medical flights, and accompanying medical personnel.
Why it matters: A medical repatriation flight from Albania to Western Europe costs €8,000–€25,000 depending on the patient's condition and destination. This single benefit alone justifies the Adventure tier.
Excluded from: Essential tier.
Emergency Medical & Dental — 100%
What it covers: All costs related to emergency medical treatment and emergency dental treatment during your insured trip. No deductible, no percentage co-pay — 100% of costs.
Why it matters: Even with Albania's relatively low medical costs, a hospital stay with imaging, surgery, and medication can quickly reach €2,000–€5,000. This benefit ensures you receive treatment without worrying about the bill.
Included in: All tiers (with different maximum limits).
Repatriation of Mortal Remains — Up to €10,000
What it covers: In the tragic event of death during the insured trip, this covers the cost of transporting the deceased to their home country.
Why it matters: International repatriation of remains is extremely expensive — typically €5,000–€15,000 depending on the country. Without insurance, the family bears this cost.
Excluded from: Essential tier.
Accidental Death & Permanent Disability — Up to €4,000 / €5,000
What it covers: A lump-sum payment in the event of accidental death or permanent disability resulting from an incident during the insured trip.
Adventure: Up to €4,000
Adventure+: Up to €5,000
Trip Curtailment — 100%
What it covers: If your trip is cut short due to a covered event (injury, illness, family emergency), you are reimbursed 100% for the unused, non-refundable portion of your trip costs.
Baggage Loss — Up to €150
What it covers: Replacement value of personal belongings that are lost, stolen, or damaged during the insured trip.
Baggage Delay — Up to €100
What it covers: Essential purchases (clothing, toiletries) if your checked baggage is delayed for more than the policy's specified number of hours.
24/7 Emergency Assistance Line
What it covers: Round-the-clock access to a telephone helpline for emergency coordination, medical advice, and claims assistance.
Adventure tier gets priority handling. Adventure+ gets enhanced service with faster response coordination.
Policy Periods
Policies are available in three durations:
- 7 days — ideal for Valbona-Theth or Koman Lake trips
- 15 days — ideal for the full Peaks of the Balkans loop
- 30 days — ideal for extended Balkan travel
Your actual travel dates are mapped to the nearest policy period in the quote builder.
Covered Activities
The following activities are explicitly covered under Adventure and Adventure+ policies:
- ✅ Hiking / trekking (no altitude limit)
- ✅ Boat / ferry travel (including Koman Lake)
- ✅ Cycling (road and recreational)
- ✅ Rafting / kayaking
Additional activities may be confirmed on request.
Countries Covered
A single policy covers travel in:
- 🇦🇱 Albania
- 🇽🇰 Kosovo
- 🇲🇪 Montenegro
You can also add custom countries for tailored trips.
Important Notes
- This page summarises coverage for planning purposes. Exact wording, deductible options, and exclusions are confirmed on your policy documents issued by SIGAL Insurance Group.
- Adventure Insurance is a Store & Go Shkoder product. Cover is underwritten by SIGAL.
- No age limit to qualify for coverage.