Spitsbergen Ski Touring Insurance — Buyer's Guide

If you're booked on Mountain Spirit's Spitsbergen ski-touring trip — or any guided alpine ski tour above 70°N — your default travel insurance almost certainly doesn't cover the only thing you're actually doing on the trip.

This buyer's guide breaks down:

• The four insurance categories every German alpine operator references — and where each one falls short for Arctic ski touring.
• The exact day-by-day activity profile of a typical 9-day Svalbard ski tour, with vertical metres per day.
• Eleven specific gaps in standard travel insurance, mapped to this trip.
• How Rise & Shield Elite + Winter Sports + Adventure Plus covers it — and the two grey-area items to confirm with the underwriter before you book.
• A 12-question checklist to vet any policy you're considering.

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