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Glacier walking in Iceland, I stepped onto what looked like solid ice but was actually a thin bridge over a hidden crevasse. The drop was only four meters, but the landing was a frozen underground river that soaked me to the chest within seconds. My guide threw down a rope and yelled instructions that I couldn't hear over the sound of water rushing somewhere beneath my feet. The extraction took an hour, and by the time they pulled me out, I had the early stages of hypothermia—violent shivering, confused speech, and fingers that had turned a worrying shade of white. The rescue team wrapped me in heated blankets and drove me to a clinic in Reykjavik, where a doctor said I was lucky to be alive because the water temperature was just above freezing. My credit card insurance denied the claim because glacier walking required a guide, and their policy excluded "guided adventure activities" as "assumed risk." https://sportravelling.com/winter-sports... not only covered the entire rescue and clinic stay but also reimbursed me for the ruined boots and crampons. I still have a video of that crevasse on my phone, and I watch it every time I'm tempted to buy cheap insurance.