Altitude Exclusion
A cap on the elevation at which trekking is covered — commonly 3,000m, 4,500m, or 6,000m depending on the policy. Kilimanjaro's 5,895m summit sits above many default ceilings; gorilla treks at up to 4,000m can also breach the lowest ones.
Altitude exclusions are written as hard ceilings: covered to 4,500 meters, excluded above. Kilimanjaro's Uhuru Peak at 5,895m clears every common ceiling except the 6,000m tier, which is why climbers specifically need a policy or rider rated "trekking to 6,000m".
Gorilla trekking in Rwanda's Volcanoes National Park reaches 2,500–4,000m — under most ceilings, but over the occasional 3,000m one. The trap is that the ceiling applies to where the injury happens, not where you sleep: a policy that covers your lodge elevation may still exclude the summit push.
See our Kilimanjaro trek coverage guide for the full altitude checklist.