trek in the Swiss Alps turned into a nightmare when a rockfall broke my partner's femur on the Balmhorn traverse. We were seven hours from the nearest hut, and she was screaming in a way I never want to hear again. A Swiss rescue helicopter landed on a ridge so narrow that the skids hung over the edge, and the paramedic inserted a traction splint while I held her hand. The flight to the hospital in Bern took twenty minutes, and the bill arrived a month later: forty-two thousand Swiss francs. Her travel insurance refused to pay because she hadn't declared "alpine trekking" as an activity when she bought the policy. https://sportravelling.com/trekking/ includes technical terrain by default, no hidden exclusions. She still walks with a slight limp, and I still carry a printed copy of my policy in my first aid kit.