{"id":25583,"date":"2026-10-10T19:16:35","date_gmt":"2026-10-10T10:16:35","guid":{"rendered":"https:\/\/mongol-jyouba-gakkou.com\/?page_id=25583"},"modified":"2026-10-23T21:13:19","modified_gmt":"2026-10-23T12:13:19","slug":"mongolia-horseback-insurance","status":"publish","type":"page","link":"https:\/\/mongol-jyouba-gakkou.com\/en\/mongolia-horseback-insurance","title":{"rendered":"Do You Need Insurance for a Horse Riding Tour in Mongolia? How to Choose Travel Insurance That Covers Falls and Medical Evacuation"},"content":{"rendered":"
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\"Horse<\/p>\r\n

Sain baina uu! I’m Sugi from Tsogto Mongolia Horse Riding Tour.<\/p>\r\n

Travel insurance is mandatory for everyone who joins our tours and rides across Mongolia’s vast steppe.<\/p>\r\n

In this article I’ve put together, as simply as possible, the minimum you need to know about travel insurance to be prepared for the “what ifs” \u2014 a fall, a hospital visit or an emergency trip home. Please read it before your tour!<\/p>\r\n

Travel insurance is required to join a Tsogto tour<\/h2>\r\n

\"Steppe<\/p>\r\n

So that you can enjoy Mongolia’s open skies and steppe to the fullest, travel insurance is mandatory on all Tsogto tours as protection against the unexpected. It’s not a recommendation \u2014 you cannot join the tour without it.<\/p>\r\n

Horse riding is an activity with risk<\/h3>\r\n

Tsogto’s horses are well raised and cared for by nomad families, but horses are still living animals. They can be startled by the sound of the wind, suddenly start running, or react in unexpected ways.<\/p>\r\n

In fact, foreign embassies in Mongolia have issued warnings about serious injuries from falls on horse riding tours.<\/p>\r\n

Tsogto takes every possible precaution for your safety, but we cannot guarantee that no one will ever fall. In the event of an accident, we cannot provide compensation, so you will rely on your own travel insurance.<\/p>\r\n

That’s exactly why it’s important to have insurance as “one more layer of reassurance.”<\/p>\r\n

Local medical care and evacuation can be very expensive<\/h3>\r\n

If you get injured and need to see a doctor, your home health insurance usually won’t work in Mongolia. You will have to pay for treatment, tests, interpreters, extra nights of accommodation, vehicles and more yourself.<\/p>\r\n

What people often overlook is that evacuation from a remote area costs far more than the treatment itself.<\/strong><\/p>\r\n

If a Mongolian hospital can’t provide the care you need, you’ll be evacuated by a chartered air ambulance with a doctor and nurse on board. One medical evacuation from Mongolia to Japan cost about US$100,000 (\u00a516 million), and there have been overseas evacuation claims exceeding US$270,000 (\u00a540 million).<\/p>\r\n

You may be thinking “that won’t happen to me,” but insurance isn’t for what “shouldn’t” happen \u2014 it’s for when it does.<\/p>\r\n

The amounts are on a completely different scale, so this is the one place we ask you not to cut corners.<\/p>\r\n

How much cover? Our requirement<\/h2>\r\n

The Embassy of Japan in Mongolia, in its warning about riding tours, recommends “medical treatment and rescue\/evacuation cover of at least \u00a530 million” (roughly US$200,000), and specifically advises people relying on credit-card insurance to check that the cover is sufficient. We use the same guideline.<\/p>\r\n

Tsogto’s requirement: medical treatment + evacuation\/repatriation cover of at least US$200,000 (about \u00a530 million).<\/strong><\/p>\r\n

What kind of insurance should you choose? 3 points<\/h2>\r\n

\"Horse<\/p>\r\n

You are free to choose any insurance company for a Tsogto tour. However, your policy must meet the following three conditions to join the tour.<\/p>\r\n

Please check before you leave, so that you don’t find out too late that “it didn’t cover this.”<\/p>\r\n

\u2460 Medical treatment + evacuation cover totaling at least the amount above<\/h3>\r\n

One tip when checking your policy: insurers show the cover in two different ways.<\/p>\r\n