I have been going on different kinds of outdoor adventures for decades now and I always make it a point to take out trekking insurance. This is because I ran into some trouble at the top of a mountain about 10 years a go and trekking insurance was instrumental in getting me out of it.
Here is what happened. I was hiking in the Appalachians with a friend of mine when a huge storm blew in. We were very disoriented and the winds were really high and I ended up falling and breaking my leg. My friend was hurt at the same time, not as badly but badly enough that he could not get to me to treat the injury. He was able to contact help bu the only way they could reach me is by helicopter. I was flown off the mountain and taken to the nearest hospital which was a significant distance away.
As you can imagine a trip in a helicopter is not cheap. The bill with my medical expenses ran to 10s of thousands of dollars. Luckily I had trekking insurance which covered the entire cost. There was not even any hassles. I would have been in financial ruin without it. Now I never set out on a trip into the outdoors without making sure that my policy is up to date.