Choosing the right travel insurance is a critical step before embarking on a trek or climb in Nepal. It is mandatory for most organized high-altitude trips and is a vital safety net against the inherent risks of remote, mountainous environments.

Key Factors to Consider When Choosing Your Policy

1. Emergency Medical Evacuation: This is arguably the most important feature. In remote areas of Nepal, the only way to get a seriously ill or injured person to a hospital is often by helicopter. A helicopter rescue can cost thousands of dollars, so your policy must explicitly cover emergency air ambulance and helicopter rescue services.

2. Altitude Restrictions: Many standard travel insurance policies have altitude limits, often around 3,000 to 4,000 meters. For popular treks like Everest Base Camp or the Annapurna Circuit, which reach altitudes over 5,000 meters, you must ensure your policy covers the specific maximum elevation of your trek. If you are doing a peak climb, the policy should cover the climbing altitude.

3. Level of Activity: High-altitude trekking and climbing are often classified as “adventure sports” or “hazardous activities” by insurance companies. A standard travel policy may not cover these activities. You should confirm that your policy covers the specific activities you plan to undertake, including the use of climbing gear if applicable.

4. Medical Expenses: Your policy should cover medical treatment, hospitalization, and repatriation to your home country. This is especially important for altitude-related illnesses (Acute Mountain Sickness) and injuries that may occur on the trail.

5. Trip Protection: To protect your financial investment, look for coverage that includes trip cancellation, interruption, and delays. This will cover non-refundable expenses like flights, permits, and pre-booked accommodation in case of unforeseen circumstances such as weather delays, illness, or natural disasters.

6. Lost or Delayed Baggage: Most policies will cover a certain amount for lost, stolen, or delayed baggage. Be sure to check the coverage limit, especially if you are traveling with expensive trekking or climbing gear.

7. Pre-existing Medical Conditions: It is crucial to disclose any pre-existing medical conditions when applying for insurance to avoid claim denials.

General Advice

• Read the Fine Print: Carefully read the policy documents to understand the terms, conditions, and exclusions. Look for any specific events or items that are not covered.

• Proof of Insurance: Carry a physical and a digital copy of your insurance certificate, which should include your policy number and the 24/7 emergency assistance number. Leave a copy with a family member or friend at home.

• Consult an Expert: If you are unsure about a policy, consider consulting with an insurance agent who specializes in adventure travel.

• Research and Compare: Thoroughly research different policies and compare their coverage options to find the best fit for your specific trip and needs.

Recommended Providers

Many reputable insurance companies offer coverage suitable for trekking in Nepal. Some of the most frequently recommended ones include:

• For All Nationalities: Global Rescue (often paired with a travel protection plan from another insurer), World Nomads, Ripcord Travel Insurance.

• For U.S./Canada Citizens: Travel Guard, IMGlobal, Tugo.

• For UK/European Citizens: British Mountaineering Council (BMC), DogTag UK, True Traveller.

• For Australian/New Zealand Citizens: Cover-More Travel Insurance, 1 Cover Travel Insurance, Fastcover.

• For Indian Citizens: ASC360, HDFC Ergo.

Disclaimer: The information provided here is for general guidance only. You should always confirm the policy details directly with the insurance provider before making a purchase.