Best Travel Insurance For Nepal Trekking

Last but not the least vital service you need to value while you preparing for a Nepal Trekking, adventure for excursion is Travel Insurance. The developing mountainous country has the boundless possibility of getting problems, sickness or injuries. 

Having the appropriate Nepal Trekking Insurance including of travel coverage, is essential for a reason. This blog post of Himalayan Asia Treks will cover the best travel insurance plans for trekking in Nepal up to 5500 meters, along with tips to help you choose the perfect plan for your needs and types of adventure you choose for.

Along with these, we will address the most common concerns, questions, and bias consideration to review while you choosing the insurance for Nepal Trekking Travel. 

If you are planning a trekking adventure or easy holiday to Nepal, keep reading to discover how to secure the right insurance coverage.

Is there any special insurance for Nepal trekking?

Yes, there is specialized travel insurance require for trekking in Nepal. As Trekking in Nepal can be challenging and sometimes risky. Having the right travel-sport insurance is essential to safeguard against these risks, losses, and securities allowing you to enjoy your trek, natural, mountains with peace of mind.

Here are some of the reasons why you should choose trustworthy, easy processing travel trekking insurance for Nepal:

• Medical Purpose: All trekking activities requires physical effort, that puts all hikers at risk for mishaps or unexpected medical requirements. A good Nepal trekking Insurance can cover all these expenses. In addition you can continue your trekking or hiking adventure to fulfill your dream if not risky ahead.
• Medical costs and Evacuation: A good Travel Insurance including trekking or sport activities coves most of the Medicine, Medical care and evacuation. However you need to check the optimum altitude that covers in the policy. Helicopter evacuation doesn’t automatically cover medical bills, so make sure your insurance includes these costs and services.
• Hospitalization and Medicine: On every travel / trekking insurance you will get the protection against medical care, hospitalization, and medicinal expenses which is raised by accidents, illness or injury during you adventure.
• Unpredictable Weather: All sports activities includes an unexpected weather and natural cause. These may caries the delays, chances of mishaps, and negative incidents. Most of the weather and natural disasters doesn’t covers by insurance however if any impact on insurer or clients can be claimed with good trekking insurance policy.
• Lost / Theft or Stolen: During the adventure journey to the mountainous locations, your valuable possessions could be misplaced or stolen. Himalayan Asia Trek suggest you to check this in the included services.
• Emergency Rescue and Air Evacuation: High altitude hiking and adventure might require emergency evacuation, airlift or rescue in a medical emergency. The common cause is altitude sickness. While purchasing the trekking insurance we suggest you to check the inclusion of evacuation which can be air or land. Similarly make sure it covers Altitude Sickness or not.
• Trip Cancellation / Postpone: If your trip is delayed or canceled, travel / Trekking insurance can assist with rebooking flights, accommodations, and other expenses, helping you recover costs and rearrange your adventure plan without significant financial loss. Please make sure what services it covers on cancellation or postpone including trip extension.

What does Nepal Trekking Insurance not cover?

Although any good travel/trekking insurance is the best way to stabilized the trip mishaps condition, including natural or human errors, without making your pocket light. However there are some exclusion side which does not covers in Nepal Trekking Insurance. Here are some topics you need to know.

- Pre-existing medical and Health conditions: 

Many adventure people and hikers with health conditions trek in Nepal, but most insurance doesn't cover pre-existing conditions medical cases like, high blood pressure, asthma, arthritis or joint problems, diabetes,  Respiratory conditions like COPD, cancer and its history of treatments, It is very important to consult your trip planner and confirm your fitness before finalizing your insurance and trekking itinerary.

- Pregnancy: 

Not a single insurance company covers the pregnancy conditions. With some countries and work health insurance pregnancy is also covered in some extend. However  you have a right to refund or postpone the policy with basis medical report of pregnancy.  Although a good trekking company does not suggest go for hiking trekking adventure during pregnancy period but make sure you about this.

- Injuries resulting from alcohol, intoxication or drug use: 

Any incident medical, provision or emergency if there is any medical reports related with drugs, intoxication or alcohol are not covered in trekking insurance. Although travel is for fun, but don’t forget to enjoy in the limits.

- High risk activities: 

Trekking in Nepal offers an adrenaline rush especially breathtaking and mountains views.  However high  risky activities like higher grade water rating in Himalayas rivers, tree or mountain climbing, base and bunjee jumping,  as  on are not covers. Travel insurance does not cover these risky activities unless you mention it earlier than buying or covers in the type of insurance. so stay cautious and aware and choose the best one. However Base and Bunjee jump has client insurance from their services, you can ask for its coverage and limits.

 Cost of Travel and Nepal Trekking Insurance 

As this is the part of global free market and competition, the cost of Travel-Trekking Insurance are differences. However depending on the length of there trip, nature of trip like basis travel or sports inclusive, ultimate elevation of the coverage, the system of pay and claim or cashless, and the amount of coverage the cost are basically different. 

Basis Nepal Travel Insurance starts with 30 US dollars where sport activities inclusive start from 100 US dollars. In short it cost between 30 to 100 USD for 7 days trip. 

Please note that, this is the basis compression of different available insurance policies for Nepal. The costs are difference with varies policies, coverage range, local agents, season and even group size too.

When choosing travel trekking insurance for Nepal adventure, it is very crucial to review the policy to ensure it meets your needs and covers all possible risks relate to your travel itinerary. Make sure the coverage is perfectly fit for your specific activities like trekking, climbing, rafting or any sports you intended.

Highest Altitude Covers with Nepal Trekking Insurance

The highest elevation trekking insurance inclusive of sport covers  is 5500m or 6000m, unless you buy the mountain climbing policy. As all insurance does not covers the same altitude with same condition, we request you must check with different altitudes covers with different Nepal Trekking Insurance companies. Similarly must tally with your Nepal Trekking Package / Itinerary with the highest altitude your reach.

Here are come most popular trekking destinations with their ultimate height. 

• Everest Base Camp Trek:  5,364 m / 17,598 feet
• Everest Base Camp Trek inclusive of Kalapatthar View Point : 5,550 m / 18,209 feet
• Annapurna Circuit Trek: 5,416 m / 17,769 feet
• Manaslu Circuit Trek : 5,106 m / 16,752 feet
• Mardi Himal Trek: 4,500 m / 14,764 feet
• Poon Hill Trek : 3,210 m / 10,532 feet

Best Nepal Trekking Insurance Companies : An Overview

There is no accurate and fixed answer the best or how many travel / trekking insurance covers Nepal. In general speaking, there are over thousands companies and providers globally. These big numbers are in hundreds when we talking about specialized Travel Insurance providers with sports activities inclusive. 

As per our market research, local updates, claim procedures and more, giving you an overview which helps you to choose the best Nepal trekking insurance. 

Check the day wise Nepal Trekking insurance at the following rates: 

1. 7 Days: USD 95  Learn More
2. 15 Days: USD 105 Learn More
3. 21 Days: USD 120 Learn More
4. 32 Days: USD 135 Learn More
5. 45 Days: USD 145  Learn More
6. 62 Days: USD 155 Learn More
7. 92 Days: USD 180 Learn More

Some Big Names for Nepal Trekking Insurance

• British Mountaineering Council (BMC) – Citizens of the UK
• DogTag – Citizens of the UK
• JS Insurance – Citizens of the UK
• Snow Cards – Citizens of the UK
• HCCMIS – Citizens of the US and Canada
• IMG Global – Citizens of the US and Canada
• Travel Guard – Citizens of the US and Canada
• Travel Lite – Citizens of the US and Canada
• Europe Assistance – Available across the rest of Europe
• RACC Spain and Fedmi Spain – Citizens of Spain
• Hens Merkur – Citizens of Germany
• CoverMore – Citizens of Australia and New Zealand

Conclusion: The Best Nepal Trekking Insurance

Its not easy to conclude the best Insurance for Nepal Trekking from 1000s available in the market off-line or online. However, all these known policies and plans have their own set of feature, price range, and coverage. You are the boss of your own trip, so you can evaluate the risk involved with your program and choose the best fit. Similarly make sure you go through the terms and conditions thoroughly and ask if any concussion there. 

In short, due to the feature of several qualities, affordability and global reach we do recommend Nepal Trekking Insurence for Himalayas trekking adventure.