Is Travel insurance compulsory to travel to Nepal?
Personal travel insurance is a must when you travel to Nepal to do trekking, climbing, expedition, or any other adventure activities in Nepal. So, travel insurance is compulsory.
There are many types of travel insurance policies, and they all come with an incredible amount of fine print so, you need to be clear that what is covered and not covered that you are buying. We have given some ideas about what should the insurance policy cover.
What the insurance policy should cover
High Altitude Sickness
Most of the trekking in Nepal include Everest Base Camp Trek, Annapurna Circuit Trek, or any climbing and expedition involved high mountain trek, and there is always a risk of high-altitude sickness while you are on those treks or expedition.
You need to ask your insurance company to provide the policy that covers High Altitude Sickness, and you should know where you are trekking or climbing and how high are the trekking routes are? Insurance should cover the evacuation by Helicopter in an emergency.
No one wants to have accidents while they are on travel However, it happens sometimes, and there is always a risk of accidents on Nepal mountain trekking and climbing so, the policy should cover those accidents and when an emergency evacuation is needed.
Traveling in places like Nepal always has a probability of illness as your body is usually not adapted to the food or hygiene levels. You need to make sure that your insurance policy should cover the case of illness while you trek and needed to evacuate for further treatment.
Stolen, Lost, or Delayed Baggage
It is familiar to all travellers that the arrival of your baggage is delayed sometimes, and you do not find it on your arrival at airports. They can be lost sometimes and even stolen. So, your travel insurance should cover on this loss.
Other General subjects
There is a delay or even cancelation on Nepal domestic flights mostly in the mountain parts such as Lukla while going for trekking in Everest and other mountain flights due to bad weather even by a day more. Your travel insurance policy should cover the expenses raised by these delays, or even sometimes, you need to take private helicopter flights, and it is not cheap in Nepal, and the policy should cover these costs.
The trips cancel sometimes cause of some reasons that are beyond our control. The reasons are natural disasters, flight cancellation, consequences of strikes, industrial action, wars, riots, sickness, quarantine, government intervention, weather conditions, or other untoward occurrences. The travel insurance policy should cover the trip cost that has already been paid and is not refundable.
Recommended Travel insurance companies
For Canadians and Americans
For Australians and New Zealanders
- https://www.thebmc.co.uk (British Mountaineering Council)
- https://www.essentialtravel.co.uk (Select Grade 4 cover - Sports Cover)