Are you planning to go to Nepal for any kind of trekking, peak climbing, or other outdoor activities?
If the answer is yes, make sure you have your travel insurance with you. Trekking Plus recommends to all our clients who want to travel to Nepal to get travel insurance. However, the travel insurance you are considering must pay for medical expenses and emergency helicopter evacuation if you are going out on high Himalayas and mountain climbing. We recommend our valued clients ensure their insurance coverage is worth as much as possible.
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 adventurous activity, especially at high altitudes. Altitude sickness is common during 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 mountains and passes. In case of such emergencies, 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.
There are various reasonably priced travel and medical insurance options available for different adventure activities in Nepal that will cover emergency rescues and medical assistance for policyholders. Insurance policies can cover just the time of the trip or an entire year, and some will cover altitudes up to 6,000 meters while others will cover high-altitude mountaineering. Trekking Plus suggests taking out the right insurance policy for the activities they will be doing – factoring in altitude and remoteness. Some also choose to add more traditional components of travel insurance to their policy, such as coverage for lost luggage and cancelled flights.
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 costs if in case of emergency. There are many insurance companies that offer travel insurance services. You can choose from a wide variety of insurance companies as per your convenience. Especially when it comes to trekking and peak climbing 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).
Is Travel Insurance compulsory for trekking, climbing, or expeditions in Nepal? or What should be covered on a travel insurance policy when we are on an advneture ?
The personal travel insurance is a must when you are travelling to Nepal and doing trekking, climbing, expedition or any other adventure activities in Nepal. 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 be very clear about what is covered and not covered on the policy that you are going to buy, and we have given some idea about what an insurance policy should 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 covers high altitude sickness and you should know where you are trekking or climbing and how high the trekking routes are, and the policy should cover the evacuation by helicopter in an emergency.
Accidents
No one wants to have accidents while they are on travel however it happens even when we do not want it, and there is always a rick of accidents on Nepal mountain trekking and climbing, so the policy should cover those accidents and when the emergency evacuation is needed.
Illness
Travelling in places like Nepal always has a 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 you in case of illness while you trek and need to evacuate for further treatment.
Stolen, Lost or Delayed Baggage
It is familiar to all the travelers that sometimes the arrival of your baggage is delayed and you will not find it on your arrival at airports, or it can be lost sometimes and even stolen, so your travel insurance should cover these losses.
Other General subjects
There are delays or even cancelations 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 sometimes we even need to take private helicopter flights, and it is not cheap in Nepal, and the policy should cover these costs. And in case your travel to Nepal needs to be canceled because of some reason that is beyond our control, such as a natural disaster or political unrest, etc. Your travel policy should cover your trip cost that you would have already paid as well.
Trekking Plus is a certified provider for our field crews to cover their travel insurance while they are on a trip.
Some of the Recommended Travel insurance companies
Trekking Plus listed some insurance companies that we found reliable and with better services based on our previous client’s feedback and experiences. We recommend you use them as your insurance partner while traveling to Nepal or any other country.
For Travelers from the USA and Canada
- Online Global Health Insurance
- Travel Guard
- Mondial Assistance
- Access America
- HCC Medical Insurance Services
- Good Neighbor Insurance (International Health)
- International Health
- Multinational Underwriters
- World Nomad
- TIC Travel Insurance Coordinators Ltd
- Travel Assist
- Travel Safe Insurance
- Blue Cross Blue Shield
- Seven Corner
- RBC Travel Insurance
- TuGo Travel Insurance
- Allianz Canada
For Travelers from England
- Specialty Group (UK) Limited
- Harrison Beaumont
- Buy cheap travel insurance.
- First Assist Services Limited
For Travelers from Europe
- IHI Bupa
- Assistance CORIS
- Fedmi Spain
- Europ Assistance (All European)
- Allianz Travel Insurance (Germany, Switzerland)
- Hens Merkur (Germany)
- Uniqa Insurance (Austria)
- Alpineverein (Austria, Germany)
- British Mountaineering Council (BMC)
For Travelers from Australia and New Zealand
- Cover-More Travel Insurance
- Cover Travel Insurance
- International SOS
- CGU Insurance Limited
- Budget Direct Travel Insurance
- 1 Cover Travel Insurance (New Zealand)
- Aussie Travel Cover
- Fast Cover New Zealand
For Travelers from South Africa
- Travel Insurance Consultants Pty. Ltd
For Asia and the Middle East
- Clal Insurance (Israel)
- Mitsui Sumitomo Insurance (Japan)
- Life Card Travel Insurance (Japan)
- Sompo Insurance (Japan)
NOTE
During such extreme cases of an emergency evacuation, a helicopter service is the only way out of the mountains, so we require your travel insurance 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.
The above suggested insurance companies are just for recommendation for your kind knowledge, which is recommended by our previous travelers. You could review their updated insurance policy by contacting them directly, and if you buy the insurance with them, you are responsible for checking the policy and coverage by yourself. Trekking Plus does not take any responsibility for any of their policies and the coverage. We recommend our valuable customers choose the best travel insurance policy according to their travel plans. Planning better insurance for your peace of mind can save lives and savings.