Most policies exclude "Roped Excursions". This is usually the terminology I've seen while reviewing insurance and suplemental coverate plans for employees. Aflac also has a clause about excluding these so called "Roped Excursions". Seemingly, if you are soloing something then you are covered. Not sure about all the legal loopholes, but this is what I was told by the salepersonel from Aflac while I was reviewing their policies in my last job.