Is Insurance required to trek in Nepal Himalayas?
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 White Water Rafting, Mountain Biking Tour, Wildlife Jungle Safari, Mountain Flight, Bungy Jumping in Nepal 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 attracts 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? Is Travel insurance compulsory to do trekking, climbing or expedition in Nepal? Or what should be covered on travel insurance policy?
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.
Accidents:
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.
Illness:
Traveling 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 sometimes, 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 cancellation 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 Recommended Travel insurance companies are:
For Canadians and Americans:
- https://www.travelguard.com
- https://www.worldnomads.com
- https://www.mondial-assistance.ca
- https://www.travelassistnetwork.com/
- https://www.travelex-insurance.com/
- https://www.travelite.com/
- https://www.tugo.com
- https://www.hccmis.com/atlas-travel-insurance
For Australians and New Zealanders:
- https://www.covermore.com.au
- https://www.allianz.com.au
- https://www.worldnomads.com.au
- https://www.bupa.com.au
- https://www.itrektravelinsurance.com.au
- https://www.1cover.com.au
For British:
- https://www.travel-guard.co.uk
- https://www.worldnomads.co.uk
- https://www.thebmc.co.uk (British Mountaineering Council)
- https://www.direct-travel.co.uk
- https://www.essentialtravel.co.uk (Select Grade 4 cover – Sport Cover)
For Europe:
- https://www.europ-assistance.com/en
For South-Africa:
- https://www.europ-assistance.com/en