Allianz Partners
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Allianz Partners bundles ski, scuba diving, and hiking coverage into their main adventure travel plans rather than making them optional add-ons. The $2M emergency evacuation limit is one of the highest in the market, which directly translates to more thorough rescue and transport coverage if you're injured climbing in the Himalayas or diving in remote reefs.
This appeals to backpackers who want predictable coverage without shopping for multiple riders. The main trade-off is that their base premiums tend to be higher than competitors, so compare total cost if you're doing simpler backpacking without major adventure sports.