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Travel Insurance For Trekking In Nepal – What You Need (And What You Need To Know)
No one likes to play ‘worst case scenario’, but when it comes to hiking, there are certain risks involved. Taking out good travel insurance for trekking in Nepal is a small price to pay for peace of mind.
Unlike standard travel insurance. Trekking insurance is a specific type of cover for people who are exposed to high altitudes, avalanches, and adventure-related mishaps in a foreign country.
In this guide, I’ll talk about why you need trekking insurance and what it should cover. I’ll also put you on to some of the best international trekking covers as trusted by adventurers around the world.
Do You Need Travel Insurance For Hiking In Nepal?
Travel insurance is not mandatory, but many Nepal trekking companies will request that you have hiking insurance to join their tours. Most agencies recommend that you are covered for a minimum of $100,000 plus emergency medical evacuation.
It might seem like an unnecessary use of precious travel funds but insurance is one of those things it’s better to ‘have and not need' than to 'need and not have’. Even if it’s not strictly required, I wouldn’t leave home without at least a basic cover policy.
Risks While Trekking In Nepal
High altitude sickness, also known as acute mountain sickness (AMS), is a common condition that can affect trekkers and climbers. It is hard to say exactly who will be affected by AMS but its usually seen in those who ascend to high altitudes too quickly without proper acclimatization .
Many trekking routes in Nepal involve hiking to high elevations with a risk of altitude sickness. Hikes in Nepal that pose a risk of high altitude sickness include Everest Base Camp , Annapurna Circuit trek , Langtang Valley hike and Manaslu Circuit . All of these have passes and viewpoints 5000m (16, 400 ft) or above.
Symptoms of altitude sickness can range from mild to severe. These may include headaches, nausea and shortness of breath. In severe cases, altitude sickness can lead to life threatening cerebral or pulmonary edema .
It’s not worth over-stressing about it but accidents in the mountains and on hiking routes can and do happen. Even small injuries like a sprain or pulled muscle can be a big problem on a trek.
High altitudes can cause you to feel dizzy and disorientated, this increased the risk of accidents. The high altitudes also worsen existing health problems including any heart or respiratory issues.
Also keep in mind that you will be in a foreign country and the healthcare system may be a little different to what you are used to. It’s better to have insurance that will cover the best possible hospital care and relocation back to your own country if necessary.
Although the risk of an avalanche or landslide is rare, these do happen on hiking routes in Nepal. During the cold months (December to February) the risk of avalanches is typically highest. Avalanches are also frequent in the spring (March to May) as ice packs start to melt.
According to the Nepal National Mountain Guide Association (NNMGA), avalanches in Nepal cause an average of 12 deaths per year. In 2015, a massive earthquake triggered an avalanche on Mount Everest. This freak accident killed 19 people at the Everest Base Camp (admittedly all of them were climbers, not hikers).
What Should Your Trekking Insurance Cover?
As previously mentioned, accidents are always a risk while hiking. This is even more so at high altitudes. Your Nepal trekking insurance should be enough to cover hospitalization and treatment in a worst-case-scenario.
Evacuation By Helicopter
If something does go wrong in the mountains, your only exit option is by air. If you have to pay out of pocket, a helicopter evacuation will cost anywhere from $2000.
According to a 2020 published paper , between 2016 & 2017, a single hospital in Nepal (CIWEC hospital) received 1,354 helicopter evacuated patients. The vast majority of these patients were from the Everest region. Some of these evacuations were probably an over-reaction. Still, its obviously a risk worth considering.
Cover for helicopter rescue is especially vital for peak climbing. It is an important factor when calculating the cost of climbing Everest and other 8000ers.
Baggage Loss Or Theft
Imagine getting to Nepal only to find your trekking boots did not make the trip. Stolen, lost or delayed gear could ruin your whole adventure. Make sure your insurance covers baggage (and will pay out fairly quickly) so that you can afford to replace what you need and get going again.
Expenses For Delayed And Cancelled Flights
Natural disasters and weather are beyond our control. This doesn’t mean you can’t plan ahead for unwanted situations. Flights in Nepal can be canceled or delayed for days (even weeks) due to bad weather. Good travel insurance should cover unforeseen expenses including accommodation while you wait for rescheduled flights.
General Health Cover
Insurance is not only for trekking. For one thing, Asia's local food does not agree with everyone! A good plan should cover doctors' appointments and prescribed medicine (whether for flu, COVID or an upset stomach). Most travel insurance will also cover limited dentistry work.
Why Is Travel Insurance For Nepal So Expensive?
There are a lot of travel insurance products on the market at an equally wide range of prices. It’s tempting to go with a cheap option. Although there are some decent choices available, the low-budget insurance plans will not cover what you need for high-altitude trekking in Nepal.
Over recent years, Nepal has seen a steep increase in tourist numbers. There has also been an exponential increase in the number of claims for helicopter rescues. Not all of these claims have been legit. There have been several scams where rescue companies paid travelers to claim for unnecessary (or non-existent) helicopter services.
Understandably, this has made many travel insurers hesitant to include air rescue in their cover. Those that do, price their policies accordingly.
Best Travel Insurance For Trekking In Nepal
I am by no means an insurance expert. These recommendations are based on my own experience with insurance companies and those of travelers I’ve met along the way. You should always read the policy fine print and ask a ton of ‘what if’ questions before signing up for insurance.
1. World Nomads
For years, World Nomads has been our number-one pick for travel insurance. They offer emergency evacuation and medical assistance for trekking in Nepal. This insurer provides all aspects of cover including baggage and repatriation in the event of an accident and trip delay cover (including weather-related delays). World Nomads is also an excellent choice for remote workers as they cover equipment including cameras and laptops.
2. Allianz Travel Insurance
Allianz has been around for years. They are professionals in all types of insurance including travel cover. Alianz Travel sells a range of plans depending on what type of benefits you want to include.
3. Travelex Insurance Services
Travelex is another reliable insurer. They cover all types of international trips and have specific packages for backpacking and long term travel. You can select from different, upgradable cover plans so you will only pay for what you need. Most of their plans cover emergency medical evacuation and travel delays.
About the author
With a degree in Nature Conservation and experience working with wildlife including the Big 5, Alison used to work as a guide for a 5-star safari reserve in South Africa. Today she is a full time traveller and editor for Mountain IQ. She has travelled and hiked extensively in South America, including many solo hikes in Patagonia, the Cusco region of Peru, Ecuador and Chile.
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Travel Insurance for Trekking in Nepal
We need travel insurance to travel from one country to another. You’ll also need travel insurance for trekking in Nepal . We all know that for travelers visiting Nepal travel insurance is mandatory for adventure activities such as trekking, peak climbing , etc.
Please note that there is no need travel insurance for short treks in Nepal that will only go on lower elevations such as Poon Hill Trek , Sundarijal, Chisapani Nagarkot Trek . Before trekking in Nepal, being insured gives you extra enjoyment. Here below we give you the list of our recommended best travel insurance for trekking in Nepal. Nepal is known for activities such as trekking, climbing peaks, expeditions, etc.
Nepal is known for activities such as trekking, climbing peaks, expeditions, etc. Usually, most individuals go to Nepal for trekking in the Himalayas of Nepal. Wherever you travel, it doesn’t matter. Usually, everybody knows about it nowadays after booking a journey packing thing like the bag, clothes, jacket, equipment, trekking shoes. Similarly, travel insurance for trekking in Nepal is also essential nowadays.
Trekking Agency in Nepal will sell you an all-inclusive trek package (food, accommodation, guide, porter, etc.) to save your time. But none of the organizations will give you a trekking tour in Nepal with travel insurance.
Keep in mind that both the medical and emergency evacuation costs must be covered by your travel insurance. We suggest a minimum value of USD 10,000 for your travel insurance.
You need to choose an insurance policy that covers the expense of mountain helicopter rescue if you get sick from high altitude and other significant mountain accidents. In such extreme cases of emergency evacuation, a helicopter flight is the only way out of the mountains that includes a rescue team, which is the main reason why you need your travel insurance to cover the costs of helicopter services, evacuation from the Himalayas and the most expensive medical expenses in Nepal hospitals.
An evacuation of a helicopter in Nepal costs at least USD 4,000. We recommend that you choose a policy that pays directly to doctors or hospitals and helicopter charter services rather than settling on the spot and later claiming. If your travel insurance company does not provide an upfront payment, be sure to receive receipts from each location so that you can later reclaim bills without the travel insurance.
Travel Insurance for Trekking in Nepal: Coverage
You now know what travel insurance is. In addition, each travel insurance is different based on the incidents they cover and the price of the packages you choose. It is better to buy travel insurance covering the following area.
Trip Cancelation Insurance
Trip cancelation insurance will cover you if you or your traveling companions are required to cancel, interrupt or delay your trip. In easy words, you will be covered by travel cancelation insurance when you experience a travel disruption.
Travel Medical Insurance
Travel Medical Insurance will cover you when you get sick or wounded while trekking. If you get sick or wounded during the journey, this insurance should also assist you to find physicians, hospitals, and health care facilities. Depending on the duration of your journey, you will want to choose insurance.
Emergency Medical Evacuation
Insurance Emergency Medical Evacuation Insurance is one of the most important insurance covers that you need. It provides coverage for medically necessary evacuation and transportation to medical facilities.
Check out for an insurance company that offers this service even at 6,000 meters above sea level. Treks like Everest Base Camp , Annapurna Base Camp , and Everest Gokyo Ri Trek is about 4000 meters above sea level.
5 Best Travel Insurance for Trekking in Nepal
- Europ Assistance (For Europeans)
- World Nomads (For Canadians, American and even Asians)
- Insure and Go (For British)
- Travel insurance consultants (For South Africans)
- 1Cover Travel Insurance (Australians and New Zealanders)
Why Travel Insurance for Trekking in Nepal is Important?
Travel Insurance, popularly known as traveler’s insurance, is the insurance covering unexpected expenses such as trip cancellation, flight accident, medical insurance, lost luggage and other losses incurred while traveling. Also, some travel policies cover personal property damage.
There is no doubt that without travel insurance you can travel anywhere. But the thing you have to understand is that if you get sick, lose something or miss your flight, you’ll pay your bills. Before traveling, travel insurance allows you to travel with peace of mind without fear.
Before doing travel insurance for trekking in Nepal do not forget to check your policy and make sure that you are covered for adventure activities such as trekking over a certain altitude. Many travel insurance policies don’t cover people over 4,000 m. Considering popular treks like Everest Base camp trek, Manaslu circuit trek has all passed over 5,000 meters (Larkya La Pass at 5,160 m and Kalapatthar at 5,545 m) this is something you have to make sure. The best way is to call your insurance company and ask if you are covered for trekking in Nepal up to the altitude to which you will be trekking or not.
How Can Heli Rescue Scam Avoid These Insurances?
These five best travel insurances that we suggested for trekking in Nepal are the ones with their agent and offices in Nepal because they are large brands and have a lot of customers.
These insurance companies are also conscious of the fake trekking businesses that will rescue you by making you ill because there will be a significant inquiry after your rescue while the insurance company pays a bill. Moreover, those who earn money through fake rescue and fake bills cannot present these insurance companies with
Moreover, those who earn money through fake rescue and fake bills cannot present these insurance companies with the huge quantity of bills because they understand the market and price in Nepal. They ( Fake Rescue Companies) also know that, so when you are insured with these travel insurances while trekking in Nepal there will be a low chance of fake rescue.
Note: If you really got sick in the mountains and the companies did the rescue and submit the reasonable amount for the claim, there will be no trouble when these insurance companies pay the bill.
So, What is the Solution in Nepal for Avoiding Fake Rescue?
The only way to avoid fake rescue is to plan & book a holiday with Sherpa owned Nepal trekking companies with good knowledge and the best customer experience.
The travel business is all about recommendation; you will obviously recommend the agency to your friends, family and others when you get the best service. The famous brands are never going to do such cheap behavior to make money.
Indeed, there are many things that might bother you, particularly when you’re traveling away from home.
Please note: This is not a sponsored post or a post aimed at a specific brand for any reason. And Nepal insurance companies/we do not offer or sell insurance for trekkers.
Planning, scheduling, arrangement, packaging, and much more. Craving the time to comb through the huge number of travel insurers is another workload you’d like to avoid, right?
With this list, we have tried to unload some of your stress to ours. You now have less and safer choice to choose from. We have given you our reasons why we think these travel insurers should be picked. Nevertheless, you want to focus on the travel insurance details you own.
Now that you have the best travel insurance for trekking in Nepal, you can really just focus on the destination. Let you be impressed by the Himalayas, the trail, the people, the weather and a new country. Please feel free to contact us if you need more information. Let us plan your trip of a lifetime.
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Hi I have been planning to do the Annapurna circuit 3 years and then everywhere went into lockdown .I have got my flights for the end of September but i cannot get insurance for over 4000 m .the age limit is 65 and was 66 in June i have been training hard and in no doubt that I’m fit for the treck apart from the altitude ? Is there any thing you can suggest .Thanks mick
Hi Mick, please check World Nomads or Europ Assistance. Thank you
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“I was born and raised in Nepal, nearby Everest region. I am proud to be a native Sherpa, and I have been a Mountain guide over a decade now. Following my passion, I decided to start helping travelers with their travel plans! I think life is a journey, a trip where you collect experiences when you share with other people and with nature.”
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10 Best Travel Insurance For Trekking In Nepal
To travel from one country to another, we will need travel insurance. Likewise, you will also require travel insurance for trekking in Nepal. But which is the best travel insurance company?
This article will provide a list of trusted and popular insurance companies who sell travel insurance for Nepal, both for trekking and tours and other mountain activities such as peak climbing and expeditions.
We all know that Travel insurance is mandatory for travellers visiting Nepal for adventure activities such as trekking, peak climbing, etc.
Keep in mind that, it’s not necessary to have travel insurance for short treks in Nepal which will go only on lower elevations like Poon Hill trek , Sundarijal Chisapani Nagarkot trek .
Being insured before while trekking gives you extra enjoyment. Here we are providing you with the list of our recommended best travel insurance for trekking in Nepal.
Why do you need travel insurance for trekking in Nepal?
It doesn’t matter wherever you are travelling. After booking a trip packing things like the bag, clothes, jacket, gear, trekking shoes are ordinary nowadays everybody knows about it. Likewise, nowadays it is also essential to have travel insurance for trekking in Nepal.
Local trekking Agency in Nepal will sell you a trip with everything included( foods, accommodations, guide, porter, etc.) on your trekking packages to save your time. But none of the agencies will offer you a trip with travel insurance for trekking in Nepal.
Travel Insurance, popularly known as traveller’s insurance is the insurance that covers the unexpected expenses like trip cancellation, flight accident, medical insurance, luggage lost and other losses incurred while travelling. Also, some travel policies cover damage to personal property.
There is no doubt that, You can travel anywhere without travel insurance. But the thing you have to understand is, you will be paying your bills in case you get sick, lose something or miss your flight. Doing Travel Insurance before while travelling allows you to travel with peace of mind without any fear.
Before doing the travel insurance for trekking in Nepal don’t forget to check your policy and make sure that you are covered for adventure activities like trekking over a certain altitude.
Many travel insurance policies do not cover people over 4,000 m. Considering popular treks like Everest Base camp trek , Manaslu circuit trek all have passed over 5,000 meters( Larkya La Pass at 5,160 m & Kala Patthar at 5,545 m) this is something you have to make sure.
The best way is to call up your insurance company and ask whether you are covered for trekking in Nepal up to the elevation you will be trekking to or not.
These all companies I mentioned above, are the best travel insurance for Everest base camp trek, including best travel insurance for Annapurna base camp trek and obviously for all treks of Nepal.
Things to Keep in Mind before buying Travel Insurance for trekking in Nepal
- Your travel Insurance must cover both the medical expenses and emergency evacuation cost. We recommend that your travel insurance is worth a minimum of $10,000.
- It is necessary that you need to choose an insurance policy which covers the cost of the helicopter rescue from the mountain, in case if you got sick by high altitude and other major accidents in the mountains. During such extreme cases of an emergency evacuation, a helicopter flight is the only way out of the mountains which includes a rescue team which is the main reason to require your travel insurances to cover the cost of helicopter services, evacuation from the Himalayas and medical expenses on most costly hospitals in Nepal.
- A helicopter evacuation in Nepal costs a minimum of $4,000. We recommend you to choose a policy that pays doctors or hospitals and helicopter charter services directly rather than you having to settle on the spot and claim later.
- If your travel insurance company does not provide an upfront payment, be sure to obtain receipts from each place so that you can reclaim later without the travel insurance it’s hard to pay bills later.
Recommended best travel insurance for trekking in Nepal
These below ten best travel insurances for trekking in Nepal I recommended are the ones who have their agent & offices in Nepal because they are big brands and have many customers. Just visit their website and buy a suitable insurance policy for you.
World Nomads(For Canadians, Americans & even Asians)
Insure and go(for british), 1cover travel insurance(for australians and new zealanders), europ assistance(for europeans), travel insurance consultants(for south africans), travel guard(for canadians, and americans), direct travel insurance(for british), british mountaineering council(for british), cover-more travel insurance(for australians and new zealanders), itrek travel insurance(for australians and new zealanders), why you need to choose them.
Probably you heard about Heli rescue scam in Nepal. The fake trekking companies who will do rescue by making you sick are also aware of these insurance companies because there will be a significant investigation after your rescue while paying a bill by the insurance company.
Furthermore, Those who are earning money by fake rescue, and fake bills they can’t submit the huge amount of bills to these insurance companies because they know the Nepali market and price. If they(Fake rescue trekking companies) can’t earn money then why they will do your rescue by making you sick in the mountains.
They(Fake Rescue Companies) also know that, so there will be a low chance of fake rescue when you be insured with these travel insurances while trekking in Nepal.
Note: There will be no hassle while paying the bill by these insurance companies if you really got sick in the mountains and the companies did the rescue and submit the reasonable amount for the claim.
So what is the solution to avoid fake rescue in Nepal?
The only solution to avoid fake rescue is to plan & Book a holiday with an experienced and well-known trekking company in Nepal who have good reviews and best customer experience.
The travel business is all about recommendation; when you get the best service, you will obviously recommend the company to your friends, family & other. The famous brands will never do such kinds of cheap behaviour to earn money.
Sudeep is a co-founder of Up To Himalaya . He has trekked almost all mountains in Nepal including Everest, Annapurna, Langtang, Manaslu, Kanchenjunga & many more. He would love to help people to make their holiday unforgettable by sharing his own experiences on the Himalayas of Nepal . If you want any information related to different trekking trails of Nepal while planning your trip, You can directly contact him on +977-9817223143 .
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Best Travel Insurance for Nepal Trekking and Peak Climbing
- Last Updated on Dec 8, 2022
So, you've just booked a Nepal trip to trekking and climbing packages. Congratulations! This is a fantastic opportunity to explore one of the world's most beautiful and culturally rich countries. As you finalize your plans, include travel insurance on your list of priorities. Insurance is essential for any trip, but it's necessary when traveling to a country like Nepal. Due to the country's location and infrastructure, medical care can be expensive and difficult to find. And if something goes wrong—a medical emergency, for example—you'll be glad you have travel insurance to help cover the costs.
Trekking in Nepal is a favored activity for tourists and adventure seekers. However, taking travel insurance for your safety while in the country is essential. Several companies offer travel insurance policies for Nepal treks . You can choose a company that provides a flexible approach to suit your needs. The guidelines usually cover emergency medical expenses incurred during the trip and evacuation of the insured person to the nearest medical facility. They also cover the cost of accommodation and food for the patient during an accident or illness—Trekking Insurance in Himalayan Country. Most insurance companies will not cover expenses associated with mountaineering activities. It is essential to check whether your policy covers this. Some insurers provide riders to cover certain activities, so checking whether you are covered for these before you plan your trip is necessary. Insurance coverage for mountaineering and trekking often states the highest altitude they will cover. Your claim can be rejected if you have an injury while hiking at 15,000 feet, but your insurance only covers accidents up to 14,000 feet. Therefore, the altitude of your Mountaineering Expedition should be considered when buying travel insurance for trekking. You must also read the insurance policy carefully before buying it. You will have to pay an insurance premium based on the sum guaranteed and the duration for which you need it. The amount is usually decided when you apply for the policy. You will need to pay the total amount at the start of the policy period.
This article will examine some of the best travel insurance options for exploring Nepal. We'll help you find the right policy, so you can rest assured knowing you're covered in an emergency.
Note:- All these are our recommendations. Before buying this, you can make sure it is Covered. If it Does not, we are not responsible for it.
Table of Contents
Understanding the necessity of travel insurance.
No one sets out on a trekking or mountain-climbing expedition expecting something to go wrong, but the fact is that accidents can and do happen. That's why it's essential to have travel insurance in place before you even leave for Nepal. Travel insurance can give you peace of mind during unexpected incidents or emergencies . It can cover everything from medical expenses to trip cancelations so that you don't have to worry about finances if something goes wrong. There are various travel insurance options available, so it's essential to research and find the policy that best suits your needs. Make sure to read the fine print and know what is and isn't covered by your policy.
Traveling without insurance is a risk that not many people are willing to take. Make sure you're covered for the worst-case scenario before you embark on your next adventure.
What Does Travel Insurance Cover?
Before you purchase travel insurance, it's essential to understand what it covers. Typically, travel insurance will compensate you for the cost of your trip if you need to cancel for a covered reason. This includes illness, injury, a family member, or the death of you or a traveling companion .
Some policies also cover baggage loss or delay, trip interruption, and medical evacuation. It's essential to read the details of your approach to understand what is and isn't covered. Counting on the level of coverage you choose, travel insurance can cover a variety of possible losses and damages, including:
- Injury or sickness:- Your regular health insurance may not protect you from medical costs incurred while traveling, but travel insurance can. Most health insurance policies do not provide comprehensive coverage abroad, and some, including Medicare, do not give any coverage.
- Lost Luggage:- Travel insurance may cover some of the lost or stolen luggage costs. Getting an airline to compensate for lost Luggage can be challenging, so this is especially useful if your bags are misplaced.
- Last-minute cancellations:- Costs associated with trip cancellations may be covered with travel insurance. In most cases, cancellations won't result in a complete reimbursement from hotels or cruise lines. Most resorts will at least charge a cancellation fee if you cancel two weeks or more before your vacation. You want to be protected in case there are any unforeseen occurrences.
- Coverage beyond your credit card:- Some credit cards only provide a certain amount of coverage, such as annual caps and limitations on interruptions and cancellations. However, few credit cards offer protection against the most costly travel risks, such as medical costs or emergency airlifts, which travel insurance can.
- Emergencies Evacuation:- Emergency evacuation costs, such as airlifts, medically prepared flights back home, and transportation to and from the hospital of your choice, will be covered by emergency evacuation coverage.
- Phone assistance:- This coverage focuses on having a "lifeline" number to call in an emergency. Medical issues, lost or stolen belongings, missed flights, and lost or stolen passports. Some travel insurance provider provides round-the-clock assistance for all of these needs. If you are experiencing a medical issue, this service is exceptionally crucial.
- Travel Assistance Services:- You can do the following things with the help of travel assistance services: Frontier/Medex is offering this coverage without charge. Find the closest suitable hospital if necessary.
- Plan medical transportation
- Make treatment arrangements and get around any language barriers
- Arrange for home transportation
- In an emergency, replace prescriptions
What Does Travel Insurance Not Cover?
Travel insurance is vital for any journey - big or small - that you take, but it's essential to know that it doesn't cover everything. Travel insurance has a list of exclusions that might surprise you like any other insurance policy. With travel becoming increasingly complicated in recent years, it's more vital than ever to know what your policy doesn't cover. Here are some of the significant exclusions of travel insurance to keep in mind.
Pandemic Or Outbreak Coverage:- Unfortunately, standard travel insurance plans will not cover you if you're worried about cancelation fees and lost expenses due to a pandemic or outbreak. To protect your costs, you must be canceled for a reason listed in your policy, such as the death of a family member. So if you're feeling uneasy about your upcoming travel plans, check your policy to see if you're covered before making any decisions.
- Last-Minute Changes Coverage:- If your itinerary changes and you no longer want to go on a trip, your travel insurance policy will not be able to assist you.
- Pre-existing Medical Conditions and Travel Insurance:- This is a significant issue for many adult travelers with pre-existing medical problems. If you don't have a pre-existing medical condition exclusion waiver and your asthma flares up while traveling, your travel medical insurance might not cover you. That could mean big trouble if you need medical care while away from home.
- Travel Insurance does not cover normal Pregnancy:- However, if you get pregnant after buying a travel insurance policy, you may be able to cancel your trip for pregnancy-related reasons. But for your trip cancellation insurance to reimburse you, you will need to provide medical records that show the Pregnancy started after the policy was purchased.
- Drinking or Drug Use Activity: Most travel insurance policies don't cover accidents or injuries sustained while under the influence of alcohol or drugs. Thus, your travel medical insurance will not pay for your medical expenses if you take a beer bike tour and drink too many beers, causing you to tumble into the street.
- Excluded Risky Activities and Sports:- Surprisingly, many travel insurance providers don't offer coverage for dangerous recreations like deep-sea scuba diving, mountain climbing, jet skiing, and skiing. Before making a purchase, it's essential to read the policy's tiny print to know what is and isn't covered. Otherwise, you risk being caught off guard and unable to utilize the coverage you assumed you had.
- Illegal or Dangerous Activities:- If you are harmed while participating in an activity deemed dangerous, such as flying in a private plane, your travel insurance policy won't provide coverage.
How Does Travel Insurance Work?
Purchasing travel insurance is to safeguard yourself against any financial risks and losses. These losses can be small, like late luggage, or significant, like a last-minute vacation cancellation or a medical emergency abroad. Benefits differ depending on the plan. Selecting a plan that meets your requirements, budget, and travel plans is necessary.
In addition to financial protection, another great benefit of travel insurance is that it gives you access to assistance services no matter where you are in the world. So, if you run into any trouble while traveling, you can call your insurance company, and they'll help you. There are a variety of travel insurance policies you can purchase to cover different needs you may have while traveling. You can buy policies that cover a single reservation, your entire trip, or a specific period. Policies can cover a single person or family as a whole, but prices vary depending on age, the items you want to protect, coverage limits, and length of coverage.
Most people think of travel insurance as something that will pay you back if an illness, injury, or death in the family prevents you from taking a trip. However, travel insurance covers many other potential issues that can prevent you from traveling or force you to shorten your trip. Such cases, which are frequently covered by travel insurance policies, include things like natural disasters, misplaced baggage, and even airline or hotel financial default. For example, your travel insurance might pay for the remaining expenses if you become sick or hurt eight days into a 12-day trip to Everest Base Camp and can't finish it. The Everest Base Camp Trek is one of the most amazing treks a person can do. Your incredible experiences make it the best walk you can do in Nepal. Other scenarios in which insurance will protect you and reimburse your non-refundable expenses include.
- Severe weather-related flight cancellations or damage at your travel destination
- Job loss or being forced to work during the time of your trip
- Being summoned for jury duty and unable to evade it and your travel company going bankrupt
Please be aware that coverage varies by plan and provider.
Best Travel Insurance For Asian Travellers in Nepal trekking and Peak climbing
Asian Travel Health Insurance is a flexible and comprehensive medical insurance policy that gives travelers access to top-tier emergency medical services when needed. Save up to 3 times more on travel insurance premiums by customizing the procedure compared to standard products. Many companies offer travel insurance for Nepal trekking and Peak climbing, but it is essential to find out which company provides the best coverage at an affordable price. It will help if you compare prices before making a final decision on which company to go with so that you can save money while still being covered in case anything happens during your trip.
Recommended Travel Insurance for Asian travelers in Nepal are
- asc360.com: This company provides Insurance policies for Indian citizens departing from India.
- Clal Insurance (Israel)
- Mitsui Sumitomo Insurance (Japan)
- Life Card Travel Insurance (Japan)
- Sompo Insurance (Japan)
Coverage Above 5000 Meters and Below 5000 Meters
That's why you must ensure your insurance policy covers up to at least 5000 meters. Most policies have a cutoff point at about 4000 or 4500 meters, so if you're planning on going above that altitude, you'll need to find a policy that specifically caters to travelers in high altitudes. Some guidelines might also have a lower coverage limit for medical expenses incurred while traveling, so it's essential to check and see what your policy covers. In most cases, it's best to go with an approach with unlimited coverage for medical expenses and trip cancellations. This will give you the peace of mind you need while traveling in an unfamiliar place.
Are you trekking below 5000 meters in Nepal? In that case, there are certain travel insurance plans for Asian travelers specific to trekking below this elevation. Many of these plans provide coverage for emergency medical expenses, lost bags and documents, trip cancelations and interruptions, and more. Many plans also come with additional benefits, such as accident insurance coverage for specific activities like scuba diving and skiing. Below is a chart comparing the coverage for select plans for Asian travelers trekking below 5000 meters in Nepal:
Best Travel Insurance For British, Canadian, and American Travelers
When trekking in Nepal without insurance, you risk losing your life, not to mention the financial and physical expenses. Trekking-related conditions like a sprained ankle or even a fractured bone are the most evident ones. While hiking, you will see a lot of these. However, the less apparent illnesses include appendix ruptures, food poisoning, hypothermia, altitude sickness, skin infections, and respiratory infections. For varied adventure activities in Nepal, several affordable travels and medical insurance choices will cover emergency rescues and medical aid for policyholders.
Travel insurance for Americans is essential when traveling to any foreign country, as no country is entirely safe. However, travel insurance for Americans can be costly and difficult to find.
Recommended Travel Insurance for British, American, and Canadian travelers in Nepal are
- World Nomads
- Travel Guard
- Insure and Go
- Direct Travel Insurance
- BMC (British Mountaineering Council)
Note:- Coverage Above 5000 Meters and Below 5000 Meters
Regarding travel insurance, many companies only cover people over 4,000 meters. The limit of your insurance for altitude coverage is critical to consider if you're planning on doing any popular treks like the Everest Base camp or The Annapurna Circuit, which all have passed over 5,000 meters. Do note that most credit card travel insurance companies or cheaper policies also don't cover you for trekking at altitude. And with COVID-19 still a concern in 2022, you'll need to ensure that your policy covers you for that. Many visitors come to Nepal to trek because the country offers some of the most popular Treks in the world, such as the Everest Base Camp Trek , the Annapurna Circuit, the Langtang Valley , and the Kanchenjunga Base Camp Trek . These treks are widely known for their dramatic deep gorges, desolate high mountain passes, fantastic viewpoints, hot springs, Buddhist and Hindu temples, delightful farming villages, and stunning views of Annapurna summits and Everest Peaks.
Likewise, These treks feature routes that are over 4,900 meters and take travelers through remote areas where rescue and assistance are difficult to find. If someone becomes sick or injured, it often takes a helicopter to repatriate them to a safer altitude. Due to the policyholder's increased risk of Acute Mountain Sickness (AMS) , which is more likely to occur above 2,800 meters, insurance companies are generally reluctant to cover high altitudes. Because it frequently necessitates a helicopter airlift rescue, medical treatment at high altitudes can be expensive. Given the risks, it makes sense why companies are hesitant to cover such heights.
Best Travel Insurance For Australians and New Zealanders
There are many reasons why Australians and New Zealanders travel. Some of them have been here so long that they are much more familiar with the culture and the nuances of their own countries than people from other places. Others might be interested in visiting other countries, though. For those interested in seeing different parts of the world, you can get the best travel insurance for Australians and New Zealanders. Nepal is a trekker's paradise, but there are plenty of other reasons to visit this culturally diverse and prosperous country. Nepal is a popular destination for both adventure and culture seekers. The unique characteristics of Nepal, as well as the altitude and remoteness of many of the locations you will visit, present challenges that require specific travel insurance requirements. Many trekkers will need trekking insurance if they attempt any of the famous treks, and there are some particular requirements for high-altitude travel insurance too. Travel insurance can be expensive, so you may be tempted to skip it. However, some types of travel insurance can help protect you against the most common risks. Traveling is a big part of our lives, so we want to ensure that we can protect ourselves from the most common threats. Some of recommended Travel Insurance for Australians and New Zealanders in Nepal trekking and peak climbing are.
- 1Cover Travel Insurance
- Cover-More Travel Insurance
- Itrek Travel Insurance
- Big Cat Travel Insurance
Note:-Coverage Above 5000 Meters and Below 5000 Meters
Regarding trekking in the Himalayas, altitude is a significant factor to consider. Trekking at altitudes above 5000 meters (16,400 feet) can be dangerous. Therefore, your insurance policy must cover the activities you plan to do while trekking in the Himalayas. Your travel insurance should be comprehensive enough to cover your medical expenses and the costs of any emergency evacuation that you may need. Here are some things to remember when choosing a policy: First, ensuring your policy covers you for high altitudes is essential. Many standard policies do not cover treks at altitudes above 5000 meters, which means you could find yourself uninsured if caught in a situation where you have to trek at such elevations. Even if your policy covers these high elevations, read the fine print to ensure it covers exactly what you need it to. Some policies require you to stay in a guest house at an altitude of more than 2500 meters to be protected, which can restrict your options of where to stay during your trek.
Consider trekking packages like Langtang Trek , Ghorepani Poonhill Trek , Manang Trek , and Mt Everest Sunrise View trek if you want to trek below 5000m in Nepal. However, you can choose Everest Base Camp Helicopter Tour if you're going to avoid trekking. It is an excellent opportunity for those who cannot trek but wish to experience the thrill of standing on Mt. Everest's lap. The Everest Base Camp Helicopter Day Tour is also great because it is suitable for people of all ages. By taking in the breathtaking scenery and magnificent snow-capped mountains, you can experience the freedom of the Himalayas. To be insured while trekking below 5000 meters, you must purchase a policy that covers trekking at high altitudes. This type of policy is typically more expensive than a standard policy, but it is worth the investment to protect yourself in case of an accident or illness while on the trail. Be sure to read your policy's fine print carefully to ensure that you are adequately covered.
Best Travel Insurance For Europe and South Africa
Anyone contemplating a trekking trip to Nepal should ensure they have the best travel insurance available.
A trekking trip to Nepal is dangerous and can quickly become a nightmare if something goes seriously wrong. Many things could derail your expedition, including illness, injury, theft, or bankruptcy. When you travel internationally, you will need to be covered against various risks. The best travel insurance will cover you for any emergency that may arise and provide you with financial protection in the event of a mishap while you are traveling. Many different companies provide travel insurance for trekkers. However, not all of them will offer the same level of coverage. Therefore, it is recommended that you research to find the most appropriate policy for your needs. Adventure Junkies has the best travel insurance for Europe and South Africa. They have a wide range of approaches to suit the needs of different types of travelers and will provide you with all the coverage you need to ensure your trip runs smoothly.
Here are some of the best options for travel insurance when traveling to Europe and South Africa:
There are a few different options when choosing a travel insurance policy for travel to Europe and South Africa. You can choose between single-trip policies and annual multi-trip policies. Single-trip policies are purchased for a specific trip only, whereas multi-trip yearly policies cover unlimited trips throughout the year. If you are planning to travel more than once this year, an annual multi-trip approach will significantly reduce the cost of your insurance compared to single-trip policies.
Recommended Travel Insurance for Europe and South Africa in Nepal are:-
- Fedmi Spain
- Europ Assistance (All European)
- Allianz Travel Insurance (Germany, Switzerland)
- Hens Merkur ( Germany )
- Uniqa Insurance (Austria)
- Dog Tag (UK)
- Alpineverein ( Austria, Germany)
- British Mountaineering Council (BMC)
- Travel Insurance Consultants Pty. Ltd.
Numerous businesses provide an Insurance policy for trekking or hiking, but they're not necessarily too fond of altitude. Make sure that the highest point of your journey is lower than the highest point of the cover by checking very carefully. While other treks in Nepal should have a cover of at least 5000m for Everest Region Trekking, you should search for coverage up to at least 6000m. However, you should check your specific trip to make sure. Nepal has a large number of mountains, with roughly 1500 of them rising above 5000 meters. Some famous mountain peaks in Nepal are Yala Peak (5,520m) in the Langtang region, and Kala Patthar (5,545m), in the Khumbu region. Likewise, Gokyo Ri (5,357m) and Tharpu Chuli (5,663m) are in the heart of the Annapurna and are also trekking peaks. If you intend to climb mountains professionally, we advise starting your ascent from a peak above 5000 meters. Nepal, as one of the world's most popular destinations for trekking, has a lot to offer to outdoor enthusiasts and those who love the mountains. There are eight well-known trekking locations in Nepal, which will compel you to travel there. While trekking to one of the most well-known base camps, such as Everest Base Camp or Annapurna Base Camp, can take you to the majestic Himalayas. Numerous variables, such as your origin, age, and destination, impact your insurance rates. A two-week journey to Nepal below 6,000 meters typically costs about $75.
The fine print is the most crucial component of travel insurance. Regardless of who you approach, examine them for better policies. For the Himalayas, make sure the insurance policies cover up to 6,000 meters because that is the highest altitude in the region. Furthermore, it must include helicopter evacuations as the top priority. The hospitals in Kathmandu have all the amenities you'll require, so air ambulance service is not needed outside of the city.
Everywhere you go, travel insurance and health insurance are a must. But Nepal has unique situations like avalanches, abruptly shifting weather patterns, high mountain trekking trails, difficult Himalayan passes, high altitude treks, peak climbing, mountaineering, and high altitude sickness, which makes travel insurance more necessary for travelers. It's exciting to go across a hilly nation like Nepal. There may be risks involved when traveling. Therefore, before you start your trekking trips, you must purchase a trustworthy travel insurance policy.
You can cover the majority of the dangers involved in Nepalese trekking with travel insurance. Travel insurance protects you against the risks of traveling to any location , making your trip to Nepal stress-free. Insurance companies offer various help options if you run into issues when traveling. Their advice can assist you in adequately submitting your claims and in locating a network hospital where you can receive treatment. The insurance provider is required to assist you in times of need as long as your insurance policy is active.
Consider the hazards that a travel insurance policy covers if you still need to figure out why you should buy it. Your coverage keeps you protected while traveling and guards you against various threats.
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Best Insurance for Trekking in Nepal: Don’t Trek Without it!
- July 15, 2023
- Travel resources
Planning a trekking trip to Nepal? While the stunning scenery and exhilarating experience might be on your mind, it’s important not to overlook the importance of insurance for trekking in Nepal. Trekking can be a physically demanding activity, and accidents can happen even to the most experienced trekkers. That’s why having proper insurance coverage is crucial.
In this blog, we’ll explore the top insurance options for trekking in Nepal, so you can enjoy your trekking experience to the fullest. From medical emergencies to trip cancellations, we’ve got you covered. Read on to learn about the best insurance options for your trekking adventure in Nepal.
Best Insurance Options for Trekking in Nepal:
If you are planning on trekking in Nepal, you will have to get trekking insurance to get the required trekking permits and passes. Here are the three best insurance for trekking in Nepal providers (if you want our full roundup, check out our Best Trekking Travel Insurance ):
Quick Answer: Top 3 Insurance for Trekking in Nepal
World Nomads Insurance
Coverage for Trekking in Nepal
Coverage until 22,965 feet (7,000 meters)
Up to $500,000 in coverage
2nd Best Choice
Travelex Trekking Insurance
Coverage until 20,000 feet (6,000 meters)
Up to $1 million in coverage
3rd Best Choice
SafetyWing Trekking Insurance
Coverage until 15,000 feet (4,500 meters)
Up to $100,000 in coverage
1. World Nomads Insurance for Trekking in Nepal
As an entity, World Nomads has been recommended by well known companies in the travel industry such as Lonely Planet and National Geographic — add with the thousands of customer reviews from Trust Pilot that they have garnished over the years, it is easy to see the great reputation that World Nomads has.
They are also backed by secure, trusted, and specialist underwriters who provide travelers with great cover, 24-hour emergency assistance, and the highest levels of support and claims management!
Let’s first start with who World Nomads is. You can also read my full World Nomads Insurance Review to take a deep dive into the insurance provider.
Who are World Nomads?
Since 2002, World Nomads have been protecting, connecting and inspiring independent travelers.
They offer simple and flexible travel insurance and safety advice to help you travel.
Because they believe in giving back to the places we travel to, World Nomads also enables you to make a difference with a micro-donation when you buy a policy.
And they’ll help you plan your trip with free downloadable guides, travel tips, responsible travel insights and recommendations from their global community.
World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.
Coverage for Trekkers
Standard Plan until 19,685 feet (6,000 meters)
$500,000 in coverage
- Trip cancellation insurance
Standard Plan until 22,965 feet (7,000 meters)
- Emergency medical evacuation
Pros and Cons of World Nomads Insurance:
The following are a list of pros and cons, things that we love and hate about the insurance policy:
- Covers a Lot of Countries Worldwide
- High Coverage for Medical Expenses
- Flexible Prices
- Buy or Extend Anytime, Anywhere
- Perfect for adventure-loving travelers
- 24/7 customer service with online claims option
- Limited age coverage for seniors
- Coverage can differ depending on location and nationality
- Limited COVID coverage
Some of the adventure sports and other activities that Travelex’s trekking insurance covers include:
World Nomads’ Trekking Insurance Covers the Following Adventure Activities:
- Bungee jumping
- Cage fighting
- Caving and spelunking
- Cliff diving
- Dog sledding
- Free diving (up to 197 feet)
- Hang gliding
- Mixed martial arts
- Mountaineering/Trekking (up to 22,965 feet)
- Paddle boarding
- Rappelling (up to 22,965 feet)
- Rock climbing
- Running of the bulls
- Safari tours
- Salsa dancing
- Scuba diving (up to 165 feet with a commercial instructor or guide)
- Shark cage diving
- Skiing or snowboarding by helicopter or snowcat
- Swimming with whales
- Tree climbing (up to 33 feet)
- Ultimate Frisbee
World Nomads’ Hiking Insurance Does Not Cover the Following:
Additionally, it is important to know about what the climbing insurance does not cover. It is best to talk directly to World Nomads to understand the exclusions and limitations you may face while using this insurance. World Nomads’ insurance for trekking does not cover the following:
- Pre-existing conditions
- Non-emergency medical treatment or surgery
- Routine physical exams
- Traveling for the purpose of medical treatment
- Pregnancy or childbirth (except for complications of pregnancy)
- Participation as an athlete in professional sports
- Participation in extreme sports
- Pregnancy or childbirth costs
- Intentionally harming yourself
- Piloting or learning to pilot an aircraft
- Suicide or attempted suicide
- Cancellations due to war, civil war, acts of foreign enemies, or civil unrest
Want to learn more about World Nomads insurance for trekking in Nepal? You can also read my full World Nomads Insurance Review here.
2. Travelex Trekking Insurance for Trekking in Nepal
Our second choice of mountaineering insurance is Travelex insurance. It is a great budget-friendly travel insurance provider that offers affordable rates and coverage for families. Moreover, they offer plan extensions that will allow you to be insured while trekking at high elevations. They provide coverage on individual bases and will allow you to get trekking insurance up to 20,000 feet (6,000 meters) above sea level. This makes it great for climbers looking to hike up to Everest Base Camp trek in Nepal or other places around the world like the Alps, the Andes or Kilimanjaro!
Another great aspect that we like about the Travelex’s service, is that they have an app that you can download which will provide important information about the country you are traveling to. It will help keep you safe by providing real-time security alerts, information about food and water safety, as well as ATM locations!
If you are looking for a budget travel insurance plan that will cover the adventure sports aspect of your vacation, Travelex climbing insurance will be a great fit for you! You can get a free quote from hen Travelex climbing insurance . You can also read our full Travelex Insurance review , to learn more about how they are one of the best trekking insurance providers!
Coverage upto 20,000 feet (6,000 meters) above sea level
Free coverage for children under 17
Can apply for pre-existing medical condition waivers
Travel delay coverage of $2,000
Pros and Cons of Travelex Trekking Insurance:
- Children under 17 will receive complimentary coverage if they are accompanied by an adult who is included in the insurance policy.
- Upgrade available to get a “cancel for any reason” clause
- Medical expense coverage is primary, compared to some competitors’ secondary coverage.
- Offers coverage for travel delays, granting each individual $2,000 in compensation following an initial delay of five hours.
- “Cancel for any reason” coverage provides 50% reimbursement of the non-refundable deposits – which is lower than most travel insurance providers, who usually provide 75%
- The Travel Select plan provides emergency medical expense coverage of $50,000, which is higher than competitors.
- Baggage delay benefits only apply after an initial 12-hour wait – longer than most companies
Travelex’s Trekking Insurance Covers the Following Adventure Activities:
- Travel medical insurance
- Travel delay insurance
- Travel interruption insurance
- Baggage and personal effects
- Car rental collision coverage of $35,000 (upgradable)
- Flight accident or death (upgradable)
- Medical expenses and emergency evacuation (upgradable).
- Coverage for adventure sports activities (upgradable)
Travelex’s Trekking Insurance in Nepal Does Not:
Additionally, it is important to know about what the climbing insurance does not cover. It is best to talk directly to Travelex to understand the exclusions and limitations you may face while using this insurance. Travelex’s insurance for trekking does not cover the following:
- Intentionally self-inflicted injury
- Normal pregnancy or childbirth
- Mental, nervous or psychological disorders
- Experimental medical treatments
- Injuries due to intoxication or drug abuse
- Routine physical examinations
Want to learn more about Travelex insurance for trekking in Nepal? You can also read our full Travelex Insurance review here!
5. SafetyWing Insurance for Trekking in Nepal
SafetyWing is a well-known travel insurance provider that offers policies designed specifically for digital nomads and long-term travelers. While they offer coverage for some adventure activities like hiking, trekking, and mountaineering, it is important to carefully review their policy to ensure that it covers the specific activities you plan to undertake.
Unfortunately, they will not cover you while trekking above 4,500 meters. This is still pretty high, and depending on the elevation of your trek, it might be just enough for you to get by with!
Their policies generally provide medical coverage, emergency medical evacuation, trip interruption, and travel delay coverage. However, they may not offer as comprehensive adventure activity coverage as other travel insurance providers. It’s essential to carefully read the policy’s terms and conditions, including any exclusions or limitations.
Ultimately, whether or not SafetyWing is a good insurance provider for trekking depends on your individual needs and the level of coverage you require. If you plan to undertake high-risk activities or travel to remote areas, you may want to consider a policy from a provider specializing in adventure travel insurance.
You can read my entire SafetyWing Insurance review for more information about if their travel and trekking insurance are right for you!
Coverage up to 15,000 feet (4,500 meters) above sea level
Up to $250,000 for intense care unit
Up to $5,000 for trip interruption
$100 a day for Travel delay after a 12-hour delay
$100,000 for emergency medical evacuation
Pros and Cons of SafetyWings Hiking Insurance:
- Website is easy to navigate and understand
- Can sign up while abroad and be covered immediately
- Young children included – 2 children under 10 per family (1 per adult)
- Trip interruption – Up to $5,000. No deductible
- Easiest and fastest insurance to sign up for
- Visits to home country are covered – After 90 days abroad, you’re covered for brief visits back home for up to 30 days (15 days for US residents).
- Limitations on the adventure activities you will be covered for
- The maximum altitude trekkers are covered is relatively lower than other providers
- Maximum is lower than other providers and is cumulative amongst the family or group the trekker is traveling with
SafetyWing Insurance Covers the Following:
Here are only some of the things that are covered:
- Emergency medical treatment
- Lost luggage
- Travel delay
- Evacuation in the event of terrorism, political disruption, or medical emergencies
- Accommodation in the event of natural disasters
- Transportation of a family member from your home country to you in case you have to stay in the hospital for an extended duration
- Personal liability for losses or injuries to third-parties
SafetyWing Insurance Does Not Cover the Following:
- Trip cancellation and
- Most adventure sports
Want to learn more about SafetyWing insurance for trekking in Nepal? You can also read our full SafetyWing Insurance review here!
Types of Insurance for Trekking in Nepal:
First and foremost, you will require travel insurance that covers medical emergencies. This type of insurance will provide coverage for medical bills, hospitalization, and emergency medical evacuation, should the need arise.
Trekking insurance varies in terms of coverage and price based on the incidents it covers and the chosen packages. Therefore it is important to know what trekking insurance is exactly.
Finally, it is advisable to obtain a policy that includes the following areas of coverage:
1. Travel Medical Insurance
Travel medical insurance provides coverage if you become ill or injured during your trekking adventure. In the event of sickness or injury, this insurance can assist you in locating doctors, hospitals, and healthcare facilities.
2. Emergency Medical Evacuation Insurance
Emergency medical evacuation insurance is a crucial coverage to have. It offers protection for necessary medical evacuation and transportation to appropriate medical facilities.
Why Insurance is Important for Trekking in Nepal
Trekking in Nepal can be a physically demanding activity that involves walking for several hours a day, often in remote regions with limited access to medical facilities. Accidents can happen, and medical emergencies can arise, which is why having insurance coverage is crucial. If you want to learn more about why travel insurance is important , check out our full blog!
Here are three reasons why insurance is important for trekking in Nepal:
1. Altitude Sickness
High altitude sickness , also referred to as acute mountain sickness (AMS), is a prevalent condition that can impact individuals engaged in trekking and climbing activities. The occurrence of AMS is difficult to predict accurately, but it is commonly observed in those who ascend to high altitudes too rapidly without adequate acclimatization.
2. Trekking Accidents
While it’s unnecessary to excessively worry, it is important to acknowledge that accidents can occur in mountainous areas and hiking routes. Even minor injuries like sprains or pulled muscles can pose significant challenges during high elevation treks. High altitudes can induce dizziness, exhaustion and disorientation, thereby increasing the risk of accidents.
3. Avalanches, Snowstorms
While the occurrence of avalanches, snowstorms or landslides on hiking routes in Nepal is rare, they can indeed happen. The highest risk of avalanches is usually during the cold months (December to February), while springtime (March to May) also sees an increased likelihood as ice packs begin to melt.
According to the Nepal National Mountain Guide Association (NNMGA), avalanches in Nepal result in an average of 12 deaths annually. In 2015, a massive earthquake triggered an avalanche at Mount Everest, leading to the unfortunate loss of 19 lives at the Everest Base Camp.
Is Trekking Insurance Mandatory in Nepal?
Yes, trekking insurance is mandatory in Nepal. It is required to get the proper passes for trekking in the Himalayas – such as the TIMS card and the trekking permits, such as those for the Annapurna and Everest regions. You can read more about this in our extensive guide – is trekking insurance mandatory in Nepal .
Why is Mountaineering Insurance For Nepal So Expensive?
The travel insurance industry has been overwhelmed by an exceptionally high volume of claims in Nepal, posing significant challenges to the sustainability of providing coverage.
Here are five reasons why trekking insurance for Nepal can be relatively expensive:
1. High-Risk Activities: Nepal is a popular destination for adventurous activities such as high-altitude trekking, mountaineering, and extreme sports. These activities come with inherent risks, including altitude sickness, accidents, and emergency medical evacuations. Insurers consider these activities to be high-risk, which leads to higher premiums.
2. Geographical Factors: Nepal’s challenging and diverse terrain, including its mountainous regions and remote areas, can make it more difficult and costly to provide emergency medical services and evacuation. Insurers factor in the costs associated with reaching and transporting individuals in such locations.
3. Helicopter Rescues: Nepal has experienced a rise in claims for helicopter rescues, some of which have been fraudulent. This has increased insurers’ caution and made them more selective in providing coverage for air rescue. Those insurers that do include it in their policies often charge higher premiums to account for the associated risks and potential fraudulent claims.
4. Limited Medical Facilities: While Nepal has healthcare facilities, remote areas may have limited access to quality medical care. In case of a serious illness or injury, individuals may need to be transported to a neighboring country or back to their home country for appropriate treatment. The potential costs of such medical evacuations contribute to the higher insurance prices.
5. Demand and Competition: The increasing popularity of Nepal as a travel destination has led to a surge in tourist numbers. Higher demand for travel insurance, combined with a limited number of insurers providing comprehensive coverage for high-risk activities, can drive up the prices due to increased competition.
Common Mistakes to Avoid When Buying Trekking Insurance for Nepal:
When purchasing trekking insurance, it is essential to avoid common mistakes that can lead to inadequate coverage or unnecessary expenses. Here are some mistakes to avoid:
- Not Reading the Policy Details: One of the most common mistakes is failing to thoroughly read and understand the policy details. It’s important to review the coverage limits, exclusions, deductibles, and any specific conditions related to trekking activities.
- Ignoring Adventure Activity Coverage: Some standard travel insurance policies may not automatically cover adventure activities like trekking or mountaineering. Avoid the mistake of assuming you are covered and check whether the policy explicitly includes coverage for these high-risk activities.
- Overlooking Medical Coverage: Trekking in remote areas can pose unique health risks, including altitude sickness or accidents. Make sure your insurance policy includes sufficient medical coverage, including emergency medical evacuation if necessary.
- Neglecting Trip Cancellation/Interruption Coverage: Unforeseen circumstances, such as illness, natural disasters, or flight cancellations, can disrupt your trekking plans. Neglecting trip cancellation or interruption coverage may result in financial losses if you need to cancel or cut short your trip.
- Not Disclosing Pre-Existing Conditions: Failing to disclose pre-existing medical conditions can result in denied claims or limited coverage. It’s crucial to provide accurate information about your health to the insurance provider during the application process.
By avoiding these common mistakes, you can secure appropriate trekking insurance that provides peace of mind and financial protection during your adventure.
Best Insurance for Trekking in Nepal
Trekking in Nepal is an exhilarating experience that offers stunning scenery and a chance to explore remote regions of the country. However, it’s important not to overlook the importance of insurance for trekking in Nepal.
Accidents can happen, and medical emergencies can arise, which is why having proper insurance coverage on your trek in the Himalayas is crucial. In this guide we covered three different insurance options for your trek. If you want to see our full recommendation, check out our blog: best trekking insurance .
FAQs: Insurance for Trekking in Nepal
Below are some of the most frequently asked question for getting mountaineering insurance for trekking in Nepal.
World Nomads, Travelex, and SafetyWings are the best travel insurance for Nepal trekking. Each insurance provider offers coverage for high altitude treks in Nepal.
Travel insurance is not required to visit Nepal. However, trekking insurance will be required to get trekking permits and passes.
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Best insurance for trekking in nepal everest and manaslu 2023.
Nepal is among the most popular destinations globally for Himalayan Adventure Trekking, Peak Climbing, and Mountain expeditions. Most of those areas are in the remote mountainous part of Nepal in the Himalayas. Being a great travel destination, Every year, thousands of travelers and trekkers are attracted to travel to Nepal and trek in the Himalayas. However, a significant question comes to the surface before the planning of the adventure.
Get the Best Price Short Manaslu Circuit Trek 12 Days Just at US$ 999 Nov 24-Dec 5, 2023. Book Now
Trekking Trail Nepal Pvt Ltd does not sell or organize any insurance program for our guests, except for local staff. Yet personal travel insurance is a must-have when traveling to Nepal and doing High-altitude trekking, peak climbing, expeditions, and other thrilling Himalayan adventures such as Paragliding, River Rafting, Bungee jumping, and Canyoning. Yet Travel Insurance is strongly recommended for strenuous and high-altitude adventure and trekking in Nepal, like Everest Base Camp Trek 2023 , Annapurna Circuit Trekking, Everest Three Pass Trekking, etc.
The Best Insurance For Everest and Nepal Trekking is Alpha Global Solution . According to certified time, Hassel free processing, and special support team for Himalayas Trekking including Annapurna, Manaslu, Everest, and Dhauligiri. Even AGS is cheap and reliable and can be customized according to your plan. Nepal Tours and Travel. [ Please Note : This insurance only offers up to the height of 5500m High.] You can get Nepal Trekking insurance with following rate: 1. 7 Days: USD 65 2. 15 Days: USD 75 3. 21 Days: USD 90 4. 32 Days: USD 105 5. 45 Days: USD 115 6. 62 Days: USD 125 7. 92 Days: USD 150 Policy Excess USD 500 Nearest Medical Facility incase you use Helicopter for evacuation. Mandatory NRMA activation. Contact Us for Nepal Trekking Insurance . This is the cheepest Nepal Trekking Insurance in Nepalese market .
Best Insurance for Nepal Trekking 2023: Everest Trekking, Manaslu Trekking, and Adventure Tours
Travel Insurance is not mandatory to join our Trekking Trail in Nepal. But you should insure for total expenses that may arise from the trekking for your safety. Your travel insurance plan must cover all medical / Travel issues as we as unforeseen accidents that may occur on the trekking trail. In such a case, you may take the facility like an air ambulance, helicopter rescue, Clinical attention, and so on. You can give us your insurance details at the meeting for all official procedures with our Trekking Trail Nepal Representative, Probably on arrival day or a day before our trekking starts.
- Travel insurance is compulsory for travel and trekking, climbing, or expedition in Nepal.
- What should be covered on the travel insurance plan?
In short, and best answer to these above questions is YES! YOU NEED TRAVEL INSURANCE for adventure travel trekking in Nepal. Although not compulsory for accessible holiday tours.
Personal travel insurance is a must when traveling to Nepal and trekking, Peak climbing any other adventure activities in Nepal, so you need to have travel insurance. However, there are many plans of travel insurance policies available in the international markets. Unfortunately, they all come with unmatchable prices and reliability, so you need to be very clear about what is covered and not covered in the insurance plan you buy. Here is some idea about what your travel insurance should be policy cover.
HIGH ALTITUDE SICKNESS
Most trekking in Nepal, including Everest Base Camp Trek, Everest Three Passes Trekking, Annapurna Circuit Trekking, or any Peak Climbing and Expedition, involves high altitudes creating an increased risk of altitude sickness. While you are on those treks, you need to ask your insurance company to provide a policy covering High Altitude Sickness. You should know where you are trekking or climbing. And how high the trekking trail The Insurance policy should cover the evacuation by Helicopter in the case of an emergency.
Accidents do not come with a warning. Not a single traveler wants to get into accidents while they are on adventure holidays. However, it happens even if we do not wish to. There is always a risk of accidents in Himalayan trekking and adventure so, the policy should cover all these possible accidents and when an emergency evacuation is needed.
Traveling in places like Nepal always has an illness probability as your body is usually not adapted to the food or hygiene levels. Hence, you need to ensure that your insurance policy covers the case of hazardous health and illness. At the same time, you trek and needed to evacuate for further treatment.
STOLEN, LOST, DAMAGED, OR DELAYED OF BAGGAGE
It is familiar to all travelers sometimes. The arrival of your baggage may be delayed or Damaged, and you will not find it on your arrival at airports. They can be lost, occasionally, and even stolen somewhere, so; your travel insurance should cover on these losses of your luggage and baggage.
There a delays or even cancellations for several days on Nepal domestic flights, mainly in the mountain parts such as Lukla Airport. Lukla is the entry point of the Everest Base Camp Trek, similar to Jomsom for the Upper Mustang Trek. Western Nepal and other mountain flights due to unflyable weather so, your travel insurance policy must cover these expenses raised by delays, or even sometimes we need to take charter helicopter flights, and it is not cheap in Nepal. So the policy should cover all these costs if you are traveling to Nepal. It needs to cover all flight cancellations and the cause of some reason beyond our control. Such as natural disasters or any other unforeseen, and your travel policy should cover the trip cost that you would have paid already.
THE BEST INSURANCE FOR NEPAL TREKKING including Everest, Manaslu, Annapurna, Dhaulagiri, Makalu, and more.
NOTE FOR INDIAN CITIZEN INSURANCE:
Suppose you want to buy any insurance with Indian Insurance for your Nepal Trekking or Adventure Holidays. Please Be aware!!! Insurance from Indian companies like COVER MORE, UNITED INDIA INSURANCE, and HERITAGE HEALTH INSURANCE have not been good in their claim history. The Nepalese evacuation company already sent us a circular that they will not be liable to work with this insurance as mentioned above while Trekking or Climbing in Nepal.
Here is our Recommended Insurance from India
- ISA Insurance.
- Bharati AXA Travel Insurance,
- ICICI Lombard
- HDFC Ergo Travel Insurance
- Reliance Travel Insurance
- Bajaj Allianz Travel insurance
In conclusion, the best answer to the above question is YES! YOU NEED TRAVEL INSURANCE for adventure travel to Nepal. Although not compulsory for accessible holiday tours .
If you have not yet arranged any Insurance, here we have some recommended Travel Insurance Companies:
Travelex Insurance Services www.travelexinsurance.com - Highly Recommended for Kilimanjaro Trek and Climb and K2 Base Camp Trekking.
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For New Zealand and Australia
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- Annapurna Vs Manaslu
- Best 50 Hiking Trails in Nepal
- Ultimate Guide Mohare Trek
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Travel Insurance for Trekking in Nepal
Last Updated on February 3, 2023 by Alpha Adventure Treks
Nepal is one of the most popular Himalayan adventur e trekking, peak climbing, and mountain expedition destinations in the world. Without adequate travel insurance, a pleasant journey is impossible. While trekking in Nepal , it is critical for international visitors to obtain insurance coverage. Trekking is a physically demanding and often dangerous activity, especially at high altitudes, in Nepal, despite the fact that the country is typically safe. Altitude sickness is prevalent during trekking in Nepal , especially among foreign trekkers who haven’t had enough time to acclimate, and physical damage is a possibility on the steep trails. Foreign trekkers are rescued by helicopter and flown to hospitals in Kathmandu in the event of such crises. These rescue operations and following medical treatments are costly, and passengers who do not have insurance coverage will have to pay for them out of pocket. Even if there are numerous Tips for Trekking and Packing List , we cannot prevent emergencies. The reimbursement policies of travel insurance are often more lenient than those of travel providers. Although you will almost always be required to present supporting evidence, the minor expense of purchasing a policy is well worth the possible reward.
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Table of Contents
Why Do you need Travel Insurance for trekking?
If you don’t have insurance when trekking in Nepal, not only is your life in jeopardy, but your health and money account will suffer as well. When traveling to Nepal and participating in activities such as trekking, peak climbing, or other adventure activities, you must have travel insurance. However, in the foreign market, there are a variety of travel insurance coverage to choose from. Unfortunately, they all come with unbeatable costs and dependability, so be sure to understand exactly what is and is not covered in the insurance plan you choose. Here’s an example of what your travel insurance policy should cover.
- High Altitude Sickness : Altitude sickness is caused by a shortage of oxygen in your body while you are at a high altitude. Your body can adapt if you ascend slowly enough; however, if you ascend too quickly, you may become unwell. A headache and vomiting are the initial symptoms. It worsens from there, and death is a possibility. You should ask your insurance company for a policy that covers High Altitude Sickness while you’re on those trips. You should be aware of your surroundings when trekking or climbing. What is the height of the trekking trail? In the event of an emergency, should the insurance policy include helicopter evacuation?
- Accidents : Accidents do not give you a heads-up. Accidents are the last thing any adventure traveler wants to happen while on vacation. Even if we don’t want it to, it happens. Accidents are always a possibility on Himalayan trekking and adventure, thus the policy should cover all of these scenarios, as well as when an emergency evacuation is required.
- Sickness : Traveling to areas like Nepal carries the risk of illness because your body is not accustomed to the cuisine or cleanliness standards. As a result, you must ensure that your insurance coverage covers you in the event of a serious illness or injury. You were trekking and needed to evacuate for further treatment at the same time.
- Lost or Stolen Luggage : Every tourist knows that this happens from time to time. Your baggage may arrive late or damaged, and you may not find it when you arrive at airports. They can be misplaced or stolen at any time, so your travel insurance should cover these losses of bags and Luggage.
- General Problems : Domestic flights in Nepal might be delayed or even canceled for several days, primarily in mountainous areas such as Lukla Airport. Lukla, like Jomsom for the Upper Mustang Trek, is the starting point for the Everest Base Camp Trek. Due to unflyable weather in Western Nepal and other mountain areas, your travel insurance coverage must cover these fees incurred as a result of delays, otherwise we may need to take charter helicopter flights, which are not inexpensive in Nepal. If you’re going to Nepal, your insurance should cover all of these expenses. It must cover all flight cancellations as well as those caused by circumstances beyond our control.
Things to know before buying insurance policy:
We can’t stress this one sentence enough, regardless of whatever insurance company you choose. Before purchasing, please read the entire policy. If you do need to file a claim, you’ll need a lot of evidence to prove that you’re entitled to reimbursement. Putting everything on your credit card is a good idea. This is the most effective technique to demonstrate that you have paid. Make a habit of keeping receipts for everything. Also, before you do anything, attempt to call your insurance company. It is critical that you study your policy thoroughly before purchasing it.
How much is travel insurance for trekking in Nepal?
Insurance quotes are influenced by a number of factors, including where you’re from, how old you are, and where you’re going. Going to Nepal for a two-week trip below 6,000 meters’ costs roughly $75 on average.
How Do Travel Insurance Scams Like Heli Rescue Avoid Them?
Because they are big businesses with lots of consumers, the five best travel insurances we recommended for trekking in Nepal are the ones with an agent and offices there. Because there will be a significant investigation after your rescue and the insurance company will be paying a bill, these insurance companies are also aware of the bogus trekking businesses that will rescue you by making you unwell. Additionally, people who profit from bogus rescues and fake bills are unable to provide these insurance companies with Furthermore, because they are familiar with the market and price in Nepal, people who profit from phony rescue operations and fake currency are unable to present these insurance firms with large quantities of bills. They (Fake Rescue Companies) are aware of this, thus the likelihood of a fake rescue will be low if you have one of these travel insurance policies when hiking in Nepal. There won’t be any issues when these insurance companies pay the price if you truly fell ill in the mountains and the firms provided the rescue and submitted a suitable amount for the claim.
How high can I trek in Nepal while having travel insurance?
You can hike as high as 6,000 meters (19,685 feet). This elevation is not reached by all treks, though.
- 5,368 m Everest Base Camp (17,598 feet)
- With Kala Patthar at 5,644.5 meters, Everest Base Camp (18,519 feet)
- 5,416 meters long Annapurna Circuit (17,769 feet)
- 3,210 meters up Ghorepani Poon Hill (10532 feet)
- 5,000 meters in the Langtang Valley Trek (16,347 feet)
- 5.554 meter Gokyo Ri Trek (18,222 feet)
- Walk the Manaslu Circuit 5,213 meters (17,103 feet)
- 5,550 meters for the Upper Dolpo Trek (18,209 feet)
- 5,732 meters high Yala Peak Trek (18,806 feet)
- Trek to Mardi Himal 4,500 meters (14,764 feet)
- 3.8000 m Upper Mustang Trek (12468 feet)
Make sure your policy covers you up to the highest altitude of your trek when choosing your trekking insurance.
What Does Travel Insurance Not Cover?
It is important to keep in mind that every policy has exclusions for specific terms and conditions. Pre-existing medical illnesses are often not covered, as well as coverage for incidents that take place in areas experiencing political upheaval where you were aware of the danger beforehand and, in some situations, problems with tour operators, such as those that unexpectedly go out of business. Verify that you will be covered for your unique wants and requirements by reading the fine print.
5 Best Travel Insurance for Trekking in Nepal:
- Europ Assistance (For Europeans)
- World Nomads (For Canadians, American and even Asians)
- Insure and Go (For British)
- Travel insurance consultants (For South Africans)
- 1Cover Travel Insurance (Australians and New Zealanders)
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Author: Alpha Adventure Treks
You might want to explore the highest and coolest Himalayas of Nepal, explore Nepali cultures, and visit many beautiful places of Nepal. We are here to make your travel dream come true. There are so many thing you can do in Nepal. You can enroll in trekking, mountaineering, hiking, rafting, and jungle safari. We create best itinerary for our customers according to their travel plans. Our agents are very cooperative and they will contact you beforehand so that you can tell what to include in your travel itinerary. We have highly experienced and very professional team in our Company. They make sure about your safety and other travel things. With us, it will be easy for you to travel to your favorite destination. View all posts by Alpha Adventure Treks
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Things to know about travel insurance for treks in Nepal:
Travel insurance for treks in Nepal:
Almost all trekking companies in Nepal and your home country will REQUIRE proof of travel insurance for a trek in Nepal, and they should. While trekking is generally a safe activity, as with all outdoor activities, there is some risk. Most importantly, your insurance should include coverage for emergency medical and repatriation including helicopter evacuation. Crystal Mountain Treks strongly encourages you to call your insurance company and check specifics before you arrive in Nepal. Do check that trekking and hiking in Nepal is covered, and to what elevation. Also, if your trek involves a climb of a peak, with ropes and crampons, make sure that such climbing is covered. We have worked with Travelex Insurance and found them to be responsive with claims. Unfortunately, Travelex Insurance will only insure American nationals.
Sadly, over the past decade, there has been a rise in insurance scams in Nepal. Essentially, some less-scrupulous trekking companies have been working together with helicopter companies to book unnecessary helicopter rescues, share the exorbitant helicopter fees, and thus defraud insurance companies.
They do this by offering cut-rate budget treks, and then use various tricks to ensure that the trekkers must be evacuated. In some cases, the trekking companies create itineraries that climb too high, too fast, all but ensuring altitude sickness. In others, they immediately demand that trekkers take a helicopter down at the slightest hint of headache or nausea, instead of simply descending and waiting, which is the normal procedure for light cases of altitude sickness. Sometimes the trekkers themselves are complicit in the scam; they’re offered a free helicopter ride and other complimentary services and even cash to claim illness.
Here are some articles on the subject:
New York Times: Nepal Everest Rescue Fraud
The Guardian: Nepal cracks down on lucrative helicopter fraud
The Independent: Nepal helicopter rescue scams…
Sadly, this has been a huge issue for legitimate trekking companies, who must deal with the backlash of these scams. Insurance premiums are up, many insurance companies simply will not insure trekking trips to Nepal, and most now require that all evacuations be pre-approved. This is time consuming and can be dangerous in emergency situations. Additionally, many of these companies are offering treks at costs that would lose money without the scams, cutting into the business of reputable companies.
How to avoid scams:
If you want to help keep trekking a safe experience for everyone, it’s important that you help shut down these scams, and protect yourself from them when trekking in Nepal. Here’s some things you can do:
1) Make sure your trek itinerary allows for enough time to acclimatize.
If your trek involves several days of ascent of more than 300 meters (1,000 feet) without a few acclimatization days included in the program, that is probably too much. Remember, unless you plan to fly out on a helicopter from Gorakshep to Lukla/Kathmandu, there is NO way you can complete the Everest Base Camp trek in under 12 days without severely risking altitude sickness. If your guide or trekking company insists you can, they are putting your health at risk, and you should reconsider trekking with them.
2) If your trip price is too cheap to be true, it probably is.
On the Everest trek, the Lukla – Kathmandu – Lukla airfare is around US$ 390. Daily lodging and meals cost around US$ 40 – US$ 50. Permits cost US$50. Add to these the guide and porter wages, ground transfers, hotels, sightseeing etc. If anyone offers you an ALL INCLUSIVE TREK 15-day trekking package to Everest Base Camp for under US$ 1,500, again, you should reconsider trekking with them. They will need to make that money back somehow, and it’s likely through such a scam..
3) You are your best judge .
A slight headache is common. And so are slight stomach ailments, coughing and sore throat. These probably don’t warrant a helicopter evacuation. While for most first-time trekkers it would be difficult to judge the severity of altitude sickness, you can still tell when your guide is being pushy and insistent on a helicopter evacuation. In most cases of moderate altitude sickness, taking an extra acclimatization day or descending on foot is normal, and should be the first course of action, not an expensive helicopter ride. You should insist on a helicopter evacuation only if you have a combination of symptoms listed in our article on altitude sickness .
List of insurance companies:
Most travel insurance companies will only insure travelers from a particular country. See list of insurance companies that will provide travel insurance for a trek in Nepal below:
Travelex Insurance: https://www.travelexinsurance.com/
Atlas Travel Insurance: https://www.internationalinsurance.com/worldtrips/atlas/
IM Global – https://www.imglobal.com/travel-medical-insurance/patriot-adventure/
Travel Insured – https://www.travelinsured.com/
Travel Guard: https://www.travelguard.com/
TuGo – travel insurance for trekking and mountaineering
UK companies will only cover residents of UK-Ireland.
Big Cat Travel Insurance: https://www.bigcattravelinsurance.com/
Campbell Irvine Direct: https://www.campbellirvinedirect.com/CIDirect/
JS Insurance: https://www.jsinsurance.co.uk/travel_insurance/trekking-6000-metres-travel-insurance.html
New Zealand and Australia citizens
World Nomads: https://www.worldnomads.com.au
Global Rescue: https://globalrescue.com
World Nomads: https://www.worldnomads.com/travel-insurance/nepal-travel-insurance
(Note: World nomads will not insure anyone 65 years or older)
Europe Assistance: https://www.europ-assistance.com/
A special note about Travelex Insurance:
For Americans, we highly recommend Travelex Insurance . We’ve used them in the past for many years and they have been the most responsive. We notify Travelex prior to an evacuation. After evacuation, the evacuee must pay for his/her helicopter evacuation and hospital bills prior to departure to their home country. We will then help provide all necessary documents for the reimbursement claims.
When buying insurance for a trip with us, you should only need helicopter evacuation and medical coverage. For this use $0 in trip cost. If you include the value of your trek, it will also cover trip cancellation and interruption but the premium will be expensive. It’s worth remembering that CMT will credit your deposit to a future trek if you decide to cancel your trek a month prior to the start of your trek for any reason. You can book another trek with us with the same deposit to begin within a year of cancellation. If there is another lock-down, we will honor your payment for whenever you decide to book a trek in the future.
Pam Perry works as an agent for Travelex Insurance. Pam and I worked together at a US travel company for about 10 years, and I highly recommend working with her for your insurance needs.
Some key things to remember about buying trekking insurance from Travelex:
- Travel insurance must be purchased within 15 days of making the first trip payment in order to convert pre-existing conditions
- Travelex insurance will cover Covid just like it would cover any other sickness. So if someone gets sick before traveling and cannot travel, insurance kicks in. Or, conversely if they are traveling and get sick and need to quarantine it will pay for hotel and other expenses.
- You could insure the trip cost plus the flight cost. Basically all pre-paid expenses.
- Insurance will cover medical expenses up to $50,000 (can upgrade to $100,000 for a minimal extra cost after pushing “purchase”.)
- It will cover lost luggage
- It will also cover repatriation – that is getting you back home if something catastrophic should happen while traveling (think broken back or even death)
- People can choose to NOT get trip cancellation and interruption coverage and the cost of the insurance goes down pretty dramatically. If they do that, it will provide medical coverage, baggage coverage, but not any trip or flight expenses.
To purchase insurance please use this link:
Or, go to Travelex insurance and use “Location #47-0333” (that’s Pam’s code)
Also, do note, for international travel, always choose Travel Select and not Travel Basic.
Pam is available to speak with clients on the phone on Sundays/Mondays or most evenings if you have questions. Email is a great option for communication as well, and she always try to get back to folks within 24 hours. Text also works! Pam Perry (206)-617-0102.
Written by Jwalant Gurung on July 27, 2022
World Nomads DOES insure folks 65+ as I just took out a policy with them for my trip to Nepal in October 2022.
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Nepal Travel Insurance
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Nepal Travel Insurance - Nepal Trekking Insurance
Nepal is a popular destination in the world for adventure trekking, climbing, and expeditions, and Those areas are in a remote part of Nepal. Being a great travel destination, Nepal attracts many travellers every year. We receive many questions from many travellers, and the question is:
Tamang Heritage Trail Trek
Everest Cho La Pass Trek
Annapurna Circuit Trek
Table of contents, is travel insurance compulsory to travel to nepal.
Personal travel insurance is a must when you travel to Nepal to do trekking, climbing, expedition, or any other adventure activities in Nepal. So, travel insurance is compulsory.
There are many types of travel insurance policies, and they all come with an incredible amount of fine print so, you need to be clear that what is covered and not covered that you are buying. We have given some ideas about what should the insurance policy cover.
What the insurance policy should cover
High altitude sickness.
Most of the trekking in Nepal include Everest Base Camp Trek , Annapurna Circuit Trek , or any climbing and expedition involved high mountain trek, and there is always a risk of high-altitude sickness while you are on those treks or expedition.
You need to ask your insurance company to provide the policy that covers High Altitude Sickness , and you should know where you are trekking or climbing and how high are the trekking routes are? Insurance should cover the evacuation by Helicopter in an emergency.
No one wants to have accidents while they are on travel However, it happens sometimes, and there is always a risk of accidents on Nepal mountain trekking and climbing so, the policy should cover those accidents and when an emergency evacuation is needed.
Traveling in places like Nepal always has a probability of illness as your body is usually not adapted to the food or hygiene levels. You need to make sure that your insurance policy should cover the case of illness while you trek and needed to evacuate for further treatment.
Stolen, Lost, or Delayed Baggage
It is familiar to all travellers that the arrival of your baggage is delayed sometimes, and you do not find it on your arrival at airports. They can be lost sometimes and even stolen. So, your travel insurance should cover on this loss.
Other General subjects
There is a delay or even cancelation on Nepal domestic flights mostly in the mountain parts such as Lukla while going for trekking in Everest and other mountain flights due to bad weather even by a day more. Your travel insurance policy should cover the expenses raised by these delays, or even sometimes, you need to take private helicopter flights, and it is not cheap in Nepal, and the policy should cover these costs.
The trips cancel sometimes cause of some reasons that are beyond our control. The reasons are natural disasters, flight cancellation, consequences of strikes, industrial action, wars, riots, sickness, quarantine, government intervention, weather conditions, or other untoward occurrences. The travel insurance policy should cover the trip cost that has already been paid and is not refundable.
Recommended Travel insurance companies
For canadians and americans.
For Australians and New Zealanders
- https://www.thebmc.co.uk (British Mountaineering Council)
- https://www.essentialtravel.co.uk (Select Grade 4 cover - Sports Cover)
Hello, Hi & Namaste from the Himalayas !!!
I am Arjun Rijal, Founder Director of the Outfitter Himalaya Holidays P. Ltd & working as a travel planner/consultant for Nepal, Bhutan, and Tibet Travel. I love hiking, trekking, and traveling.
I have been in most of the trekking regions in Nepal, that include Everest Base Camp , Annapurna Base camp , Annapurna Circuit , Manaslu , and Langtang . I also have travelled to Bhutan , India & planning further travel to many other countries in the world.
Find my writing on traveling, trekking, tours, travel news, and updates about the tourism activities of Nepal, Tibet & Bhutan.
You can also follow me on social media to receive regular news and updates.
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Where do you live
All persons to be insured must reside at a permanent address within the EEC ( Excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine) to be eligible for cover.
Can I take out this insurance if I am already travelling?
If cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. For cover to apply the Already Travelling extension must be shown on your Booking Invoice or Validation Certificate (as applicable). Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.
There is no 14 Day Cooling off Period and no premium refund will be made if the insured Person has already travelled.
Definition of a couple
A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.
If you do not qualify as a couple, please select individual(s)
Annual Multi-Trip Durations
Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.
Annual Multi Trip trip limits:
Standard policy - 30 days
Premier policy - 70 days
If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.
One Way Trip
Please note a Single Trip policy can cover travels with no return ticket booked, a One Way policy is intended for:
Emigrating to new country where you intend to permanently live
Returning to your home country permanently
All cover ceases upon arrival at final destination
Select the type of policy most suitable for your needs.
Single Trip: A flexible policy with no limits on how many countries you visit or how long you’re away for. Suitable for all types of travel whether it be short term/long stay or backpacking. No return ticket required and unlimited home visits offered on policies over 4 months long.
One Way Trip: Means you are Emigrating to a new country where you intend to live permanently or, returning to your home country permanently. Cover will end upon arrival at your final destination.
Annual Multi-Trip: This policy covers an unlimited number of trips throughout the 12 month Period of Insurance. Each trip has a maximum stay validity depending on the type of policy chosen. For example, for Standard Policies, the maximum duration of any trip shall not exceed 30 days and for Premier policies, the maximum duration of any trip must not exceed 70 days.
If you are already travelling it is not possible to purchase the annual multi-trip policy.
Europe: Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean. Australia & New Zealand: a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide excluding North America & Mexico: (North America means the USA, Canada & Mexico.) a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide including North America & Mexico: Worldwide means anywhere in the World including the USA, Canada & Mexico.
Automatic Trip Extension If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium. In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack. Please ensure you arrange cover for the entire duration of your travel
Where you normally reside
Where do you normally reside? Where do you normally reside? Please use the drop down box to choose your country of residence. Note we can only insure residents of the UK & EEA Countries. Can I take out this Insurance if I’m already abroad? If you are normally a resident of the UK or EEA Countries and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad. Do you have minimum residency requirements? No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.
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Get a Quote
Medical & Repatriation
Medical Cover is the most important part of your travel insurance. Our Premier policy covers up to £10m for hospitalisation, medical and repatriation expenses, up to £5m for our standard and up to £2m for our budget policies.
Get Cover If Already Travelling
You don't need to be in your Home Country to get cover, you can buy a policy from anywhere in the world, as long as you're residential status is still in the UK or EU. Just follow the Quote form to get a price and complete your purchase.
Missed Flight Connections
Specially designed for when flights from Lukla to Khatmandu are cancelled due to bad weather. Cover up to £1,000 for the cost of reasonable extra accommodation and travel expenses to allow you to carry on with your trip if you arrive at your international or final departure point too late to board your booked scheduled public transport.
Cancellation & Baggage Cover
24 hour emergency helpline, up to £10m medical cover, claim while you're travelling, travel insurance for trekking in nepal.
Getting cover through our Nepal Trekking Activity pack will ensure that in the event that you sustain an injury which requires hospitalisation or you suffer acute mountain sickness (AMS) which cannot be remedied by descending to a lower level, then you will receive the prompt attention of a helicopter rescue and any necessary hospital treatment as a consequence. Big Cat wants you to enjoy the incredible experiences that Nepal offers the trekker. And with our Nepal Trekking Activity pack, you can rest assured that you're fully covered.
Key Features of our Nepal Trekking Insurance Cover.
- Worldwide cover for trips up to 24 months.
- Emergency Medical and Repatriation Expenses up to £10 million.
- Personal Liability up to £2 million.
- Cancellations up to £5,000.
- Baggage & Personal Effects up to £2,000.
- Gadgets & Valuables up to £1,000.
- Legal Expenses up to £15,000.
- Personal Money up to £500.
- Tickets up to £1,000.
- Passport and Visa up to £300.
- Missed Flight Connections up to £1000.
- Cover if you wish to undertake light-manual or volunteer work.
- Facility to arrange or extend Insurance when already travelling.
- Money-back 14-day cooling off period if you decide to cancel prior to departure.
Always book your trek through a reputable company.
Ensure that your trekking itinerary gains altitude slowly
Do not exceed 300m per day, with a rest day for every 1000m of ascent.
Never ignore the onset of altitude sickness.
Always descend 500m or, if not possible, stay put.
Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388) is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services. All rights reserved.
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List of automatically covered medical conditions that do not need to be declared
Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.
If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.
What is classed as a medical condition?
a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).
b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.
c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.
Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.
Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.
If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.
Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.
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- Travel Guide
- Nepal Travel Guide
It is important for foreign travelers to get insurance coverage while Trekking in Nepal. Although Nepal is generally a very safe country, trekking is a physically challenging and sometimes dangerous activity, especially at high altitudes trekking and adventures. Altitude sickness is common during the trekking in Nepal, particularly among foreign trekkers who may not have taken the proper time to acclimatize and physical injury is possible out on the high mountain trails. In case of such emergencies, foreign trekkers are rescued by helicopter and evacuated to hospitals in Kathmandu. These rescue operations and the subsequent medical treatments are expensive, and travelers will have to pay out of pocket for these treatments if they do not get insurance coverage.
Travel Insurance is mandatory for all customers looking to travel in Nepal with Trekking Plus. The Travel Insurance must cover both the medical and emergency evacuation cost if incase of emergency. We recommend that your insurance is worth a minimum of USD 100,000 .There are many insurance companies that offer travel insurance services over the internet. You can choose from a wide variety of insurance companies as per your convenience. Especially when it comes to trekking in Nepal, there is always a narrow chance of minor health issues, injuries and most importantly high altitude sickness. It is crucial that you choose an insurance policy that covers the cost of the helicopter rescue from the mountains in case of major accidents and acute mountain sickness (AMS).
Recommended Travel Insurance Companies from our previous travellers
For Travelers from USA and CANADA
- Online Global Health Insurance
- Insure My Trip.com (Online Insurance Aggregator)
- Mondial Assistance
- Access America
- HCC Medical Insurance Services
- Good Neighbor Insurance (International Health)
- International Health
- Insuremytrip dot com
- MultiNational Underwriters
- TIC Travel Insurance Coordinators Ltd
- Travel Assist
For Travelers from England
- Specialty Group (UK) Limited
- FirstAssist Services Limited
- Harrison Beaumont
- Buy cheap travel insurance
- For Travellers from EUROPE and SLOVENIA
- Assistance CORIS
For Travellers from AUSTRALIA and NEW ZEALAND
- Cover More Travel Insurance
- CGU Insurance Limited
For Travellers from SOUTH AFRICA
- Travel insurance Consultants Pty. Ltd.
During such extreme cases of an emergency evacuation, a helicopter service is the only way out of the mountains so that we require your travel insurances to cover the cost of helicopter services and evacuation from the Himalayas of Nepal, Tibet and Bhutan. Before you plan your trip with us, do make sure that your travel insurance covers all the costs mentioned above from a reliable company.
Trekking Plus Team
Mr. Durga KC
Mr. Sudin Khadka
Mr. Kumar Bogati
Dil Raj Giri
Shahadev thapa, kumod adhikari, keshar jung thapa, hari pandey, client reviews, read reviews on.
Diana Diaz, Spain
My experience in the Annapurnas trekking has been very good. The guide had a knowledge of the environment and a psychologist to take the group. Thank you for your assistance…
Joanna Lacher, Poland
Very professional and helpful company.
Durga (the owner) is amazing and energetic person and he helped me to organize Mardi Himal Trek. That was very short, but such amazing trek! Thanks to him my lonely…
Sansawat Messy Sunny, Thailand
If you are looking for a trip which is not too tried and suitable for everyone, I highly recommend this one. Don't hesitate to contact Durga, a man with beard…
Lupa Adventures, Germany
I recently did this trip with Trekking Plus for me and my group, all I can say is "truly amazing". We were in a group ( 10 pax ) went…
Andrea Biegler, Germany
Der aufenthalt in tibet und nepal war unglaublich schön.
Der Aufenthalt in Tibet und Nepal war unglaublich schön. Das Land und die Menschen sind super angenehm und wohltuend. Alles war gut organisiert und hat super geklappt. Vielen Dank an…
Koong Chantima, Thailand
The memorable trip.
This trip is one of the most incredible travel that I ever experience. The host was very genuinely and welcoming throughout the trip. If I have a chance to go…
Marcela Storani, Argentina
Tuvimos una experiencia fantàstica con Durga Lo recomiendo no solo para realizar la escalada .también te cuenta de las costumbres locales. Excelente guía sabe mucho y pasas un fantástico momento.…
Ashley, United States
Durga is an exceptional host as well as tour operator for Bandipur Homestay. He is punctual, attentive, and extremely helpful. He is very knowledgeable about the area and happy to…
Suzy Kim, Korea
Helpful and excellent local experts.
I made a book for rafting through Trekking Plus which was a good deal. I could know when I met other travelers during the rafting. They paid much more than I…
Joy Tao Liu, Hong Kong
The best memory of nepal.
I was travel alone at Nepal but I never felt lonely there! Durga gave me a wonderful itenery of 10~15days but I'm too lazy only took 3 days trekking tour of…
Wonderful experience in bandipur.
I had an awesome time with Durga. I cannot say a lot about the place in Bandipur, because we stayed at Durgas family in a small village because of a…
Leonard Hammar, Israel
Amazing gosaikunda trek with trekking plus.
I have visited Nepal six times. This is my second visit with my three sons.The first, Annapurna Circuit.Both treks were organised by Durga who I found through Viator.What can I…
Patyco Lilly, Spain
Epic everest base camp trek.
I travelled to Nepal to volunteer while working remote, and I didn´t have too much time to do the Everest Base Camp within the recommendable timing (12 days including Kala…
Ya Ju Yang, Taiwan
第一次去尼泊爾就遇到充滿熱情的年輕導遊, 非常敬責任, 也很友善, 不管是單獨去或是一群朋友, 介紹的旅遊配套都還算合理, 大大推薦 Recommend this private tour service with Durga. Nice tour guide. Spoke good English. Recommend suitable tour package with reasonable price.
Brian R, Australia
“don't know where to start start here.”.
We suspected that the trip would be more expensive if we made any arrangements at our home location. It is daunting to go overseas and not be prepared. We were…
Emily, United States
Epic bandipur homestay.
Thanks for our stay and the Bandipur homestay. It was lovely and very small and quaint, so limited options for accommodation in bandipur but we are lucky to find Bandipur homestay…
Certifications & Affiliations
Registered with: Company Registration Office, Government of Nepal
Licensed by: Nepal Tourism Board & Department of Tourism
Proud Member of Trekking Agency's Association of Nepal
General Member of Nepal Mountaineering Association
You may ask “Is Travel Insurance compulsory for Travelling in Nepal?” the answer is yes, it’s a must.
Why Travel Insurance for Nepal?
1. Emergency Medical Coverage: Altitude sickness is more likely during the majority of trekking in Nepal, including Everest Base Camp Trek, Annapurna Circuit Trek, and any Peak Climbing and Expedition . All medical and travel-related issues, as well as unforeseen accidents that could happen on the trekking trail, must be covered by your travel insurance policy. You can use services like an air ambulance, helicopter rescue, clinical attention, and so forth in such a situation. Travel insurance guarantees that you will get immediate medical care and, if necessary, be evacuated.
2. Flight Cancellation: Domestic flights within Nepal are frequently delayed or even cancelled for several days, particularly in mountainous areas like Lukla Airport. Mishaps and delays may occur as a result of unforeseen weather changes. In this situation, travel insurance offers coverage.
3. Lost or Stolen Belongings: Petty theft can occur, especially in crowded tourist areas. Travel insurance can cover the loss or theft of your belongings, including passports and valuable items.
4. Trip Cancellation: Travelers who get extremely sick or injured in Nepal may not be able to continue with their trip. Cancellations due to illness or injury may be covered by trip cancellation Insurance.
While exploring Nepal's captivating landscapes and culture, travel insurance is your safety net. It assures you that you'll be cared for in the event of unforeseen circumstances. Put money into a comprehensive travel insurance plan that meets your needs instead of letting unforeseen circumstances ruin your adventure. If you have the right insurance, you can travel to Nepal with assurance, knowing that you'll be ready for whatever lies ahead.
Let our Expert & Enthusiastic team to assist you to make one of the most memorable holidays with your interests.
Travel Insurance for Nepal Trekking
Travel insurance is mandatory when you want to go hiking in nepal. it is recommended you choose a good insurance cover. you can also compare travel insurance before considering one for yourself..
A happy trip is not possible without good travel insurance. In the event of any sickness or injury, the cost of emergency treatment and evacuation is shocking. Therefore, Travel Insurance for Nepal Trekking is strongly recommended for everyone who signs up with any trekking agencies in Nepal.
It is important for foreign travelers to get insurance coverage while Nepal Trekking . Nepal is generally a very safe country. Altitude sickness is common during the trekking in Nepal, particularly among foreign trekkers who may not have taken the proper time to acclimatize, and physical injury is possible out on the high trails.
If any of the above happens to you at 4,900 feet up a mountain then there’s a strong chance you won’t want to be spending days or weeks trekking back to Kathmandu to a hospital. You’ll need a helicopter to get you down.
Travel insurance typically has more lenient reimbursement policies than travel provider policies. Although you still need to submit supporting documentation in most cases, the small cost of buying a policy is worth the potential payout.
Expect the same kind of cover as with standard travel insurance – medical cover, personal accident, cancellation and baggae cover. But critically, worldwide search and rescue is usually included as standard, with a high level of cover per person.
How to choose the best travel insurance company . Finding a top insurer that meets your travel needs comes down to your own coverage.
World Nomads: Travel Insurance
Allianz Travel Insurance
You’ll also get benefits such as baggage delay and loss coverage, travel delay coverage, and more. It’s also possible for pre-existing conditions to be covered provided you were medically able to travel on your trip, you’re a U.S. resident, you insured the full non-refundable cost of your trip, and you purchased your travel insurance plan within 14 days of making your first payment on your vacation.
Amex Assurance: Travel Insurance
Travelex: Travel Insurance
All Travelex leisure plans include coverage for trip cancellation, trip interruption, trip delay, medical expense benefits, medical evacuation, lost or delayed baggage and more.
If you want to waste your time and money then Travelex is the perfect service provider. I have always rated Travelex quite highly for convenience, good airport location and easy of use.
IMG: Travel Insurance
While IMG offers a variety of travel insurance plans, they offer popular medical insurance plans that work well for families who plan to travel abroad, immigrants, and business travelers. With their Patriot Travel Medical Insurance plan, for example, you can purchase medical insurance for individuals, groups, or families.
Travel Guard: Travel Insurance
Travel Guard’s insurance plans can include flight accident coverage and flight cancellation coverage for when you travel. Plans may include enhanced medical expense coverage, trip cancellation/interruption coverage due to work reasons and involuntary job loss, 24/7 emergency travel, health services and more.
Seven Corners : Travel Insurance
Seven Corners offers individual travel insurance plans, but they also offer a Wander Frequent Traveler plan that covers all trips you take during the year. They also offer high levels of coverage in some areas where travelers may feel vulnerable.
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- Insurance for Trekking in Nepal.
Insurance for Trekking in Nepal
Personal travel insurance is a must when traveling to Nepal for trekking, Peak climbing any other adventure activities in Nepal, so you need to have travel insurance.
Your travel insurance plan must cover all medical/travel/Trekking issues as unforeseen accidents that may occur on the trekking trail in Himalayas of Nepal, i n such a case, you may take the facility like an air ambulance, helicopter rescue, Clinical attention, and so on.
Read more at: https://www.trekkingtrail.com/nepal-travel-insurance.html
All visitors to Nepal are required to have travel insurance that covers emergency medical treatment including COVID-19 and medical repatriation (a service to return a traveler to their home country for health reasons).
In addition to COVID-19 and repatriation, the U.S. Department of State highly recommends coverage for emergency medical evacuation in Nepal and flight insurance for travelers flying on Nepali airlines.
A comprehensive travel insurance policy is recommended for most travelers visiting Nepal as these plans can meet coverage requirements and include additional travel-related benefits. Many situations, such as delays in transportation, lost or damaged luggage, and trip cancellation may be covered by a comprehensive travel insurance plan.
However, there are many plans of travel insurance policies available in the international markets. Unfortunately, they all come with unmatchable prices and reliability, so you need to be very clear about what is covered and not covered in the insurance plan you will buy. Here is some idea about what your travel insurance should be policy cover.
HIGH ALTITUDE SICKNESS
Most trekking in Nepal, including Everest Base Camp Trek, Everest Three Passes Trekking, Annapurna Circuit Trekking, or any Peak Climbing and Expedition, involved high altitudes creating an increased risk of altitude sickness. While you are on those treks, you need to ask your insurance company to provide a policy covering High Altitude Sickness. You should know where you are trekking or climbing. And how high the trekking trail The Insurance policy should cover the evacuation by Helicopter in the case of emergency.
Accidents do not come with a warning. Not a single traveler wants to get into accidents while they are on adventure holidays. However, it happens even if we do not wish to. There is always a risk of accidents in Himalayan trekking and adventure so, the policy should cover all these possible accidents and when an emergency evacuation is needed.
Traveling in places like Himalaya of Nepal might have an illness probability as your body might be usually not adapted to the food or hygiene levels. Hence, you need to make sure that your insurance policy covers the case of hazardous health and illness. At the same time, you trek in Himalaya and might need to evacuate for further treatment in Hospital.
STOLEN, LOST, DAMAGED, OR DELAYED OF BAGGAGE
It is familiar to all travelers sometimes. The arrival of your baggage may delay or Damage, and you will not find it on your arrival at airports. They can be lost, occasionally, and even stolen somewhere, so; your travel insurance should cover on your these losses of your luggage and baggage.
There is delay or even cancellation for several days on Nepal domestic flights, mainly in the mountain parts such as Lukla Airport. Lukla is the entry point of Everest Base Camp Trek, similar to Jomsom for Upper Mustang Trek. Western Nepal and other mountain flights due to unflyable weather so, your travel insurance policy must cover these expenses raised by delays, or even sometimes we need to take charter helicopter flights, and it is not cheap in Nepal. So the policy should cover all these costs if you are traveling to Nepal. It needs to cover all flight cancellations and the cause of some reason beyond our control. Such as natural disasters or any other unforeseen, and your travel policy should cover the trip cost that you would be paid in already.
How Much Does Nepal Travel Insurance Cost?
Travel insurance prices for Nepal are variable, as several distinct factors will influence the cost of each policy :
- Duration of the trip
- Number of travelers
- Age of the travelers
- Benefits included in the plan
In general, as risk involved with your Nepal trip increases, the price of travel insurance may also increase.
What Does Travel Health Insurance for Nepal Cover?
Travel medical insurance for a trip to Nepal can be purchased as a standalone plan or as part of a comprehensive travel insurance plan. Alone, Nepal travel health insurance often covers emergency medical treatment, visits to a doctor, dental care, and more, depending on the details of the plan.
Additional travel-related benefits such as assistance with luggage loss, trip cancellations, delays due to weather or mechanical issues, and more may be added to these medical benefits in a comprehensive plan.
At the very least, your travel health insurance for Nepal must include coverage for COVID-19 and repatriation services. Emergency medical evacuation and flight insurance are also highly recommended by the U.S. Department of State.
Additional coverages to consider may include:
Treatment related to pre-existing health conditions is not covered by all travel insurance plans. A traveler with health conditions prior to the trip may obtain a waiver for the conditions to ensure that related expenses can be paid for by their Nepal trip insurance. Coverage for pre-existing conditions is a time-sensitive benefit, so please be sure to review the details of this benefit before purchasing.
Trekking in Nepal
Travelers considering Himalayan trekking in Nepal may consider a hazardous sports rider for high-risk activities such as trekking, plus emergency medical evacuation. Thorough medical insurance to cover instances of injury, extreme fatigue, and acute mountain sickness (AMS) is recommended, as the high-altitude mountains of Nepal may expose travelers to frostbite and AMS. Hospitality employees along trekking routes may be able to connect travelers with helicopter evacuation services, which some travel health insurance policies may offer coverage for. Be sure to keep your travel insurance information with you while trekking in Nepal as some services, like helicopter rescue, may expect payment or proof of adequate Nepal travel insurance before treatment or services can be administered.
Travelers who get extremely sick or injured in Nepal may not be able to continue with their trip. Cancellations due to illness or injury may be covered by a trip cancellation benefit. Be sure to review the details of your plan carefully before purchasing, as this benefit covers certain reasons for cancellation.
Cancel For Any Reason (CFAR)
Travelers concerned about cancellations for their Nepal trip that may not be covered by other travel insurance benefits may consider the Cancel For Any Reason (CFAR) coverage. This coverage can reimburse 50%-75% of insured prepaid, nonrefundable trip costs to the traveler in the event of the trip's cancellation prior to departure. CFAR has certain eligibility requirements , so not all travelers will qualify for this benefit.
Overall, being covered by travel medical insurance in Nepal may help protect visitors from many unforeseen expenses abroad.
What is the Best Travel Insurance for Nepal Trips?
Every traveler is unique, and the best Nepal travel insurance policy for you depends on your specific travel detail and concerns. InsureMyTrip recommends entering those details to start a quote where you can review and compare policies and provider to find the right coverage for your trip to Nepal.
Travel Tips & Safety for Nepal
Money & currency exchange.
Nepal’s official currency is the Nepalese rupee (currency code: NPR). Travelers can expect to see prices in the country denoted by the symbols ₨ or NRs. Nepal’s banknotes are available in values of 5, 10, 20, 50, 500, and 1,000, varying in size according to their value. Rarely-used rupee notes of 1, 2, 25, and 250 also exist, but you may not come across these. Rupee coins are valued at 1, 2, 5, or 10 rupees, though the 5- and 10-rupee coins are also uncommon. One rupee can be divided into 100 paisa (p), represented by coins of 1, 5, 10, 25, and 50 paisa.
Though you may be able to use credit cards at some major hotels, stores, and restaurants, many businesses in Nepal won’t accept payment by card. It’s wise to keep cash on hand for day-to-day purchases. Unlike other destinations, exchange rates don't vary much from one money exchange service to another in Nepal. For that reason, it generally doesn't make much of a difference where you change your money in Nepal (ATM, hotel, money exchanger, etc). However, Nepalese rupees generally can not be exchanged outside the country, so do your best to spend your rupees or exchange them back to your local currency before leaving the country. One simple trick is to use your leftover rupees to pay part of your hotel bill when checking out and put the rest on your card.
Buses are the most prevalent and affordable means of transportation in Nepal, frequented by travelers and locals alike. Some of Nepal's buses have compartments for storing luggage, but when these compartments are full you may need to lock your belongings and secure them onto the roof. Local city buses serve short, busy routes while longer distance rides between major destinations may be fulfilled by tourist buses. Tourist buses are typically more comfortable and offer lunch or tea for the long ride. Or for more privacy, you can opt to take a taxi. Taxi rides are usually considerably more expensive than buses whether you use the meter or negotiate a price before the ride. However, taxis are a comparatively safer option on some of Nepal's poorly maintained roads. Some travelers choose to hire a private car and driver or rent their own wheels if confident about biking on uneven roads. Both bicycles and motorbikes/motorcycles can be rented in Nepal. To quickly travel longer distances, you can also take a domestic flight between Nepal's 40+ airports.
Risk & Crime
Nepal's crime rate is quite low, but like most countries, there are rare instances of pickpocketing and bag snatching. To lessen the chance of theft, keep your personal items hidden and always stay vigilant. Whenever possible, stay in bright, public places, but avoid political demonstrations as they can sometimes become unruly.
The main risk travelers face when visiting Nepal has less to do with crime and more to do with nature. Nepal's unique geography holds 8 of the world's 10 highest peaks — including Mount Everest, the world's tallest peak. The same rugged terrain that offers excitement and attractions for adventurous travelers also equals risk when it comes to road safety. Nepal's roads, stations, and even airports include some of the most unpredictable in the world, surrounded by mountains and relatively short, thin, and windy lanes. Due to the country's position in the Himalayas, Nepal sits in a high-risk earthquake zone. This setting also means that floods, landslides, and storms are somewhat common occurrences in Nepal. For this reason, never trek alone in Nepal. The U.S. State Department strongly recommends emergency medical evacuation and repatriation coverage for Nepal trips. For the most up-to-date weather information, refer to Nepal's local news outlets or the Government of Nepal's Meteorological Forecasting Division .
Recommended Travel Insurance Companies' website links are listed as below:
For travelers from canada and america.
For Travellers from New Zealand and Australia
For Travellers from United Kingdom
For Travellers from Europe
- Complete list of Embassy and Consulate in Nepal: https://www.nepaltrekkinginhimalaya.com/pages/complete-list-of-foreign-embassies-in-nepal
- Embassy of NEPAL in Abroad: https://mofa.gov.np/embassy-of-nepal
- High Alitude Sickness: https://www.nepaltrekkinginhimalaya.com/pages/altitude-sickness
Helicopter company in Nepal: https://www.nepaltrekkinginhimalaya.com/pages/list-of-helicopter-company-in-nepal
For Your Kind information: All of our Himalayan Sherpa Trekking Guides and Assistant Trekking Guides (Porters) at Nepal Everest Himalaya Hiking Company are fully covered by Travel/Trekking Insurance.
Nepal Everest Himalaya Hiking - A Nepal Trekking Company is Female Sherpa Trekking Guide Owned and Operated Registered Trekking Organizer Company based in Nepal & Official member of Trekking Agencies' Association of Nepal (TAAN) that works together for woman empowerment providing employment opportunities to female trekking guide to make their better life in Himalaya. We team of experienced Sherpa Guides from Everest Himalaya are dedicated in providing with you Best Trekking for the year 2023 and 2024. Copyright ©2023- Nepal Everest Himalaya Hiking -A Nepal Trekking Company
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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.
If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.
Worldwide means anywhere in the world
Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean
Europe means all European countries, including UK
Middle East refers to the area from Syria to Yemen; Egypt to Iran
Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*
Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters
New Zealand means domestic travel within New Zealand only
*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.
Nepal Travel Insurance
An adrenaline junkie's dream, Nepal lays claim to eight of the world's ten highest peaks. Whether you're there to trek the Himalayas, visit the golden temples, or see jungle wildlife there really is something for everyone at this must-see destination. No matter which kind of Nepalese experience you're planning, n eglecting travel insurance on your trip could be both hazardous to your health and your finances. Keep reading to find out what you need to consider when getting travel insurance for Nepal.
Understand Nepal travel insurance
When trekking in Nepal, you may find yourself in inaccessible locations. If you fall ill or get injured, you'll likely need a helicopter to get you down which isn't cheap. A helicopter evacuation in Nepal costs a minimum of $7,000.
Check Altitude Limits
You may only be covered to a specific altitude limit for trekking and hiking. The altitude restrictions vary between insurers, so be sure to check that you're covered for the heights you're planning to reach.
Some insurers automatically cover trekking under their policy as standard. Others may provide cover with a sports & adventure pack add-on . Check your activities are covered before you buy.
Although some insurers cover you up to 6,000m, some of these exclude travel to Nepal altogether. So if you're headed to Nepal, you'll need to go through the policy documentation carefully or contact the insurer directly if in doubt.
Each insurer has different terms and conditions when it comes to climbing equipment, using ropes and hiking with guides and whether or not you need to be with a licenced tour guide, so pay close attention to the details.
Cover your stuff
Loss or damage to your prized possessions can be a gut-wrenching experience whilst on an adventure. Make sure you find a policy that will adequately cover your hiking gear as some insurers don't cover equipment whilst in use.
Compare Altitude Limits
Not all travel insurers in Australia will cover you for trekking the altitudes you will be climbing to in the Himalayas. So wise up to ensure you're buying a policy that will adequately cover you. The following table compares the various insurers' altitude limits.
The information provided is of a general nature only and does not take into account any particular personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal objectives, needs and circumstances. Cover levels could change at any time. I MPORTANT NOTE ON TRAVEL: A ban on overseas travel from Australia remains in place. You can’t leave Australia unless you get an exemption from the Department of Home Affairs. Due to COVID-19, the resultant travel restrictions and the uncertainty surrounding travel, not all insurers noted above are issuing policies. Some travel insurers have started to sell international travel insurance to Australians again. However, the policies may not cover COVID-19-related claims. A ban on overseas travel from Australia remains in place. You can’t leave Australia unless you get an exemption from the Department of Home Affairs.
Most standard policies also won't cover you for 'Do not travel' destinations. Check with your travel insurance provider.
other handy Tips
What adventure activities are covered?
Are you a self-confessed adrenaline junkie? If you’re planning on doing some risky activities on your trip make sure you know if they’re covered, as not all of them are!
Pre-existing medical conditions
Having pre-existing medical conditions doesn't mean you can't get cover or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.
Ski Insurance Guide
The nature of a winter sports holiday is risky, so if you don't want to wipe out your savings with a fall on the slopes, get covered in snow!
NEPAL TRAVEL INSURANCE FAQS
Will i be covered to trek to everest base camp in nepal.
Everest Base is at an altitude of 5,364 metres, and most standard travel insurance policies will not cover you for trekking at that altitude. There are, however, several insurers that will cover you up to 6,000 metres and some that have no altitude restrictions. However, some may have limits on certain countries and trails. So if you're headed to Nepal, you'll need to go through your choices very carefully. Check out our guide on trekking insurance altitude limits .
Does travel insurance cover helicopter rescue?
The health and safety of travellers is always the first priority for travel insurers and if it is necessary for you to be evacuated from Mount Everest or any other mountain, you're likely to be covered under your travel insurance policy. This of course is subject to the terms of any altitude limits or adventure activities outlined in your policy. All travel insurers have an Emergency Assistance Team on call 24/7 to assist in providing health and safety advice, so in the event of injury or illness on a mountain you should try to get in touch. Calling your insurer first means that they can pay for any medical services upfront so that you aren't out of pocket. They have trained medical staff that can provide advice, have access to trusted local partners who can arrange the evacuation and can provide messages to your family. Learn more about helicopter rescues and altitude limits when trekking.
Does travel insurance cover altitude sickness?
Provided you're hiking or trekking within the terms of your policy, you're likely to be covered for altitude sickness, commonly known as Acute Mountain Sickness (AMS). Not every insurer provides covers for high altitudes though, so make sure you check any altitude limits and read the product disclosure statements before you decide on your final product. Exclusions often apply for the use of support ropes and for any trek which includes a rock-climbing component. Under these circumstances, you may not be covered. High altitudes come with some risks and can have adverse effects on certain medical conditions, so it is important to be transparent with your insurer and declare any pre-existing medical conditions to ensure that you're properly covered. Before trekking in the mountains in Nepal, make sure you know the symptoms of AMS and if AMS is suspected or you're unsure, don't wait, descend and get medical advice. It's a good idea to register your travel insurance details with your guide so that they know who to contact in an emergency. Would I be covered for pickpocketing in Nepal?
Bag snatching and pickpocketing in Nepal is common, particularly in the tourist areas of Kathmandu’s Thamel, the city of Pokhara, and the Annapurna region. Comprehensive travel insurance will usually cover pickpocketing and muggings, provided of course you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a bag snatch or pickpocket incident, make sure you report the incident to the police or appropriate authority where practicable so that you have documentation to support any claims with your travel insurer. Tourists are often targets due to their perceived wealth and possible lack of area expertise and security awareness. It's a good idea to leave valuables behind and not flash the cash.
Am I covered for cancellation if I can't continue my trek?
Twisted ankles and altitude sickness are among the most common trekking and climbing complaints that can quickly put an end to your trek. Should an unforeseen injury stop you from continuing your hike your travel insurance may reimburse you for any pre-paid expenses for unused portions of your holiday.
Is my camera covered if it gets damaged while trekking?
It's natural to want to take some cool pics of the awe-inspiring views when travelling amongst the higher peaks of the planet. Most insurers will cover damage to camera equipment up to a certain limit (usually ~$3,000) and in the event of a claim, depreciation is likely to apply. So, if you're taking some fancy photographic equipment to capture the magic of the Himalayas, make sure you check your insurers' per item limits on luggage. You should consider the value of your equipment and the level of cover you require as you may want to cover your camera or other high-value items separately.
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Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.
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Nepal Travel Insurance
Personal travel insurance is must have when you are travelling to Nepal and doing trekking, climbing and expedition. In most of those areas are and some activities such as rafting, Bunjy and paragliding are restricted without having insurance.
Nepal is one of the most popular destinations in the world for the Adventure trekking, climbing and expeditions, and most of those areas are located in Remote part of Nepal in the Himalayas.
Being a great travel destination, Nepal attract many travelers every year and thousands of people travel Nepal every year and we have many questions from many travelers and the most of the questions are:
Is Travel insurance compulsory to travel Nepal?
The personal travel insurance is must when you are travelling to Nepal and doing trekking, climbing and Expedition or any other adventure activities in Nepal so, it is vital that you need to have travel insurance however there are many types of travel insurance policies and they all come with an incredible amount of fine print so, you need to very clearly that what is covered and not covered on the policy that you are going to buy and we have given some idea about what should the insurance policy cover.
High Altitude Sickness
Most of the trekking in Nepal including Everest Base Camp Trek , Annapurna Circuit Trek or any climbing and Expedition involved high mountain trek and there is always rick of high altitude sickness while you are on those treks or expeditions so, you need to ask your insurance company to provide the policy that cover High Altitude Sickness and you should know that where you are trekking or climbing and how high are the trekking routes are and the policy should cover the evacuation by the Helicopter in emergency.
No one want to have accidents while they are on travel however it happens even we do not want and there is always rick of accidents on Nepal mountain trekking and climbing so, the policy should cover those accidents and when the emergency evacuation is needed.
Travelling in places like Nepal always have probability of illness as your body is usually not adapted to the food or hygiene levels, so, you need to make sure that your insurance policy covers in the case of illness while you trek and needed to evacuate for the further treatment.
Stolen, Lost or Delayed Baggage
It is familiar to all the travelers that some times, the arrival of your baggage is delay and you will not find it on your arrival at airports, or they can be lost some times and even stolen so, your travel insurance should cover on your these loss.
Other General subjects
There is delay or even cancelation on Nepal domestic flights mostly in the mountain parts such as Lukla while going for Everest Base Camp Trek or Jomsom and other mountain flights due to bad weather even by a day or 2 so, your travel insurance should cover the expenses raised by these delays or even some times we need to take private helicopter flights and it is not cheap in Nepal and the policy should cover these cost and if in case your travel to Nepal need to cancel cause of some reason that are beyond our control such as natural disaster or political unrest etc.. and your travel policy should cover your trip cost that you would have been already paid as well.
Some of the Remomended Travel insurance companies are
For canadians and americans.
For Australians and New Zealanders
- https://www.jsinsurance.co.uk (Everest Base Camp)
- https://www.thebmc.co.uk (British Mountaineering Council)
- https://www.essentialtravel.co.uk (Select Grade 4 cover - Sport Cover)