Travel Insurance for Trekking in Nepal

Nepal is one of the most popular Himalayan adventure 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.

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.

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)

Feel Free To Contact Us.