Travel Insurance for Trekking in Nepal
Nepal is renowned for high-altitude trekking and hiking; trekking in Nepal takes you deep into the Himalayas. Both trekking and hiking in the high Himalayas are adventurous and beautiful; however, there will also be difficulties and unforeseen circumstances. Natural disasters, altitude sickness, avalanches, and accidental incidents are the main hurdles faced during trekking in Nepal. In some cases, trekkers may require emergency evacuation, and there could be medical emergencies. However, if you need emergency helicopter evacuation or medical assistance, travel insurance will cover all your expenses. Therefore, trekkers should obtain travel insurance for their trek in the Himalayas of Nepal. Travel insurance secures your journey to the high-altitude Himalayas. Your life is far more important than anything else. Trekking travel insurance for trekking will prevent health emergencies and help cover your high medical treatment bills in the hospital.
Trekking in Nepal is a thrilling adventure; the high altitude, remote and off-the-beaten paths, and unpredictable weather make travel insurance essential. Popular trekking destinations in Nepal include the Everest Base Camp trek, the Annapurna Circuit trek, and the Manaslu trek. Additionally, the Langtang trek, Mardi Himal trek, Kanchenjunga trek, Mustang trek, Dolpo trek, and many others also require travel insurance in Nepal. Basically, trekkers can opt for adventure travel insurance in Nepal, which includes trekking in the Himalayas. Thus, travel insurance for Nepal trekking is highly recommended.
Trekking Travel Insurance Highlights
- High altitude coverage up to 6000 meters above sea level.
- Medical expenses coverage: Trekkers will have treatment for injuries, illness, and altitude sickness.
- Trip cancellation or interruption due to any illness, strike, political unrest, or weather; cancellation of the trip
- Stolen or lost property coverage
- Emergency evacuation and rescue coverage
- Helicopter evacuation during the emergency trekking in Nepal.
- Hassle-free and safe travel during the Nepal trip
Overview of Travel Insurance trekking in Nepal
Insurance is better for a secure life; travel insurance will provide you with health care, emergency rescue, and medical coverage. However, travel insurance during trekking in Nepal is recommended. You will have a hassle-free, safe trip in the Himalayas. Trekking in Nepal offers beautiful, world-class trekking destinations. Likewise, Everest, Annapurna, Manaslu, Langtang, Dolpo, Mustang, Kanchenjunga, Mardi Himal, and many other routes. Most of these treks are above 4000 meters, where you will do amazing Himalaya trekking. Make sure, before traveling, to opt for travel insurance and, most importantly, know all your coverage and policies. Hence, travel insurance is essential for high-altitude trekking; we highly recommend you opt for it. But it is not mandatory by law; you can go for altitude trekking at your own risk. Especially those who are first-time trekkers, please have travel insurance before you go trekking in Nepal.
However, city tours, jungle safaris, short day hikes, and easy low-altitude trekking are optional for travel insurance; having insurance is advisable. Indeed, travel insurance is not very expensive; depending on the company and coverage, it generally costs 5 to 12% of your travel cost. Here, altitude sickness (AMS) can occur at elevations of 3,500 meters and above. In some cases, it may affect lower altitudes as well, depending on the trekkers and weather conditions. Emergency helicopter rescue is necessary above 4,000 meters, and the cost of such a rescue may reach up to USD 10,000. Thus, having travel insurance is wise for safe and secure travel. We follow safety measures during the adventure in the Himalayas, but accidents can happen at any time. Even on normal days, a home accident can occur, and insurance can provide you with urgent and free treatment.
Travel Insurance vs Travel Medical Insurance
Comprehensive travel insurance that covers robust medical and evacuation coverage in emergencies is usually the best choice. Trekking like Everest,Annapurna, Manaslu, andLangtang, often involves the altitude risk for first-time trekkers. The remote landscapes and unpredictable weather conditions make the need for proper travel insurance. However, the travel insurance vs. medical insurance has varied services and coverages. Medical insurance with emergency rescue will be best for trekking in Nepal. Some travel insurance companies might be costly; we advise making sure your trekking destination and altitude details are correct, and you can upgrade the insurance policies accordingly. Touch Planet Treks will provide all the trekking-related queries, and we will organize the online briefing session after your booking.
Ordinary Travel Insurance
The normal travel insurance will have coverage for trip delays, cancellations, lost property, and some medical emergencies abroad. However, you need to check the specific terms, policies, and coverages. In general, there will be no high-altitude (4,000 m and above) trekking coverage. Usually, there will be no coverage of helicopter rescue and high-altitude sickness. In these cases, you need to add the policies to the extra payment. There will be basic coverage for hospitalization care and surgery in ordinary travel insurance.
Travel Medical Insurance
Often, travel medical insurance is the best option for high-altitude trekking in Nepal, including the Everest, Annapurna, Manaslu, and Langtang regions. This type of insurance covers full medical emergencies, high altitudes up to 6,000 meters, helicopter rescue, hospitalization abroad, and surgery. Travelers should always check the policies and coverage details before trekking in Nepal. Additionally, trip cancellations, lost or stolen property, and pre-existing medical conditions are typically not covered. However, if trekkers plan to climb peaks above 6,000 m, they need to add policies that include extra coverage.
What You Require for Trekking in Nepal
- Medical treatment in Nepal.
- Emergency assistance support during trekking in Nepal.
- High-altitude trekking coverage up to 6,000 meters.
- Flight and trip delay coverage.
- Helicopter evacuation in unforeseen circumstances.
- Trip cancellation and interruption are optional but useful.
What is the Best Travel Insurance
The travel insurance that covers travel abroad medical insurance with emergency helicopter rescue and medical treatment in Nepal is the best travel insurance. However, the best travel insurance for trekking in Nepal is for those with the best policies, and that travel insurance online will be better. Frequent travelers can have long-term travel insurance, which covers all countries during their trips abroad or local trips. Here are some examples of the best travel insurance companies.
- Global Rescue
- Allianz
- Europe assistance
- World Nomads
- Safety wings
- IMG Global
Insurance Coverage of Altitude Trekking in Nepal
Generally, altitude sickness will start at 3,500 m above sea level. The general high-altitude trekking travel insurance will cover up to 6,000 meters above sea level. Higher than 6,000 m, it will be considered a peak climbing and expedition, so the insurance cost will be higher. The travel insurance will be high risk and high cost, and it will be segregated the age group and trekking altitude. The Everest base camp trek will reach 5,644 meters, and other treks in Nepal will be up to 6,000 meters. Thus, the travel insurance trekking in Nepal will be covered below 6,000 m. altitude.
Medical Coverages
Medical coverage for the trek in Nepal and the Himalayas will be offered for medical treatment, altitude sickness, wounds, or injuries during the trek in Nepal.
Helicopter Evacuation
Travel insurance will cover the emergency helicopter evacuation during the trek in Nepal. Trekkers might have emergency circumstances during the Himalayas Trek, so your travel insurance will cover the cost of helicopter evacuation. Some policies may have to add extra fees themselves, depending on the policies and conditions.
Trip Cancellation and Interruption
In some cases, you might have trip cancellation and interruption due to unforeseen circumstances; in this case, your travel insurance will cover the expenses. Trekkers have to know the terms and conditions of the insurance company. We will be recommending that you mention each policy and mention the higher altitude while availing of your insurance.
Popular Travel Insurance Companies Cost
- Global Rescue: USD 200 to USD 600
- True Traveller: USD 150 to USD 400
- InsureandGo USD 100 to 300
- Allianz USD 200 to USD 1000
- World Nomads USD 100 to USD 600
- IMG Global USD 150 to USD 300
- Safety wings USD 50 to USD 250
- Garmin SA- High Risk: Covering high-risk altitude trekking, costs up to USD 10,000.
Hence, the travel and trekking insurance cost will depend on the altitude, number of days, age of travelers, and many other requirements. So, during the time that you opt for the insurance, let them know all your needs and read the terms and policies genuinely. Nepal trekking insurance in the UK will be a bit more expensive compared to the others. However, the insurance cost of Nepal trekking insurance in the UK will be approximately USD 100 to USD 700, depending on the coverage and the conditions. Indeed, the travel insurance cost for trekking in Nepal is between USD 50 and USD 700 each. However, the average cost of travel insurance for trekking in Nepal will be USD 50 to 150 for each traveler.
High Altitude Treks in Nepal That Require Travel Insurance
Nepal has lots of trekking and hiking trails that give you a beautiful exploration of the Himalayas and nature. Usually, trekking in Nepal will be 2,000 meters to 6,000 meters. Whereas the peak climbing and expedition will be from 5,600 meters to 8,848.86 meters in Nepal. For the peak climbing, those above 6,000 meters will be different for the insurance’s costs, coverages, and policies. Indeed, Touch Planet Treks will recommend having travel trekking insurance above 4000 meters in altitude. However, the high-altitude treks that require travel insurance in Nepal are as follows:
- Everest Base Camp Trek
- Everest Base Camp with Island Peak climbing
- Everest Base Camp with Gokyo trek
- Short Everest base camp trek
- Mera Peak climbing
- Manaslu Base Camp Trek
- Manaslu Circuit Trek
- Manaslu and Annapurna circuit trek
- Tsum Valley trek
- Ganesh Himal trek
- Annapurna Circuit Trek
- Annapurna Base Camp Trek
- Langtang Gosaikunda trek
- Upper Dolpo Trek
Conclusion of Travel Insurance for Trekking in Nepal
Travel insurance is essential for trekking in Nepal, which provides hassle-free and secure travel. Especially for those who are climbing high-altitude trekking in the Himalayas, peak climbing, and expeditions in Nepal, travel insurance is a crucial element. Nepal has difficult terrain and off-beaten paths during trekking in Nepal. Trekking in Everest Base Camp, the Manaslu circuit, the Annapurna circuit, Langtang trekking, and Ganesh Himal trekking are the higher-altitude treks. During the adventure treks in Nepal, you will have full health emergency coverage, and helicopter evacuation will be covered by the travel insurance. Trekkers will have safer travel and enjoy the adventure in the Himalayas. Free rescue and medical treatment, including major surgery, will be the best security for your precious life. If you go trekking without travel insurance in an emergency, your hospital and rescue bill will be costly.
However, good travel insurance will cover all sudden incidents during the trek and travel. You will escape from the financial burden, have better healthcare, and have an urgent emergency rescue. Thus, travel insurance is an essential element for trekking in Nepal and the Himalayas.
FAQs of Travel Insurance in Nepal
What are the Nepal trek insurance companies?
- Allianz
- Europe assistance
- World Nomads
- Safety wings
- IMG Global
- Global Rescue
- True Traveller
Is insurance for trekking in Nepal mandatory?
Trekking and travel in Nepal are not mandatory for travel insurance; however, trekking in higher altitudes like Everest, Annapurna, Manaslu, and Langtang requires travel insurance. We advise you to have travel insurance during the trek in Nepal for your secure travel.
How do I get travel insurance for the EBC trek?
Travel insurance for the EBC trek can be obtained online through your credit card, or you can get it from the insurance office or agent. If you are traveling to Nepal better to get it before going to travel in Nepal. You can get travel insurance from your home country online, from an insurance agent, or by visiting the office.
Is trekking in Nepal safe without travel insurance?
Trekking in Nepal is safe, and there will be adventure, exploration, and more fun traveling in Nepal. However, trekking in Nepal without travel insurance might have hurdles, especially trekking in the Himalayas. High-altitude trekking in Nepal requires having travel insurance.
Why does Nepal trekking need travel insurance?
Nepal is a Himalayan country, where you will be experiencing difficult terrain, high landscapes, mountains, and off-the-beaten-path trekking trails. So, to ensure safe travel from sudden emergencies and rescues, you need to have travel insurance for trekking in Nepal.
What travel insurance for the Everest base camp trek?
The travel insurance for the Everest base camp trek is Allianz, Global Rescue, World Nomads, True Traveller, etc. However, trekkers can choose their own insurance agencies, which cover emergency rescue and health care in high altitudes up to 6,000 meters.
How is Allianz travel insurance?
The Allianz insurance is a reputed German insurance company. Allianz provides better services and good customer support. Hence, the insurance company Allianz is one of the best insurance companies.
What is the best travel insurance?
The best travel insurance company depends on its service, coverage, cost, and other factors. Many authentic and licensed travel insurance policies will be the best. Hence, the best travel insurance companies are Global Rescue, Allianz, Europe Assistance, World Nomads, IMG Global, Garmin SA, etc.
Does travel insurance cover delayed flights?
Yes, travel insurance will cover delayed flights, trip cancellations, interruptions, and theft and loss of property. However, the coverage of insurance will depend on the company and policies; check before you opt for the travel insurance.
Does the travel insurance health only cover the Everest base camp trek?
The travel insurance health only can go to the Everest base camp trek. Please check whether it’s covering the emergency rescue and high-altitude sickness, which is required during the Everest trek.
