Nepal is a popular destination in the world for adventure trekking, climbing, and expeditions, and Those areas are in a remote part of Nepal. Being a great travel destination, Nepal attracts many travelers every year. We receive many questions from many travelers, and the question is:
Is travel insurance compulsory for Nepal?
Personal travel insurance is compulsory when you travel to Nepal to do trekking, climbing, expeditions, or any other adventure activities. 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 about what is covered and not covered when you buy a policy. We have given some ideas about what the policy should cover.
What the insurance policy should cover
High Altitude Sickness
Most of the trekking in Nepal includes the Everest Base Camp Trek, the Annapurna Circuit Trek, or any climbing or expedition involving a high mountain trek, and there is always a risk of high-altitude sickness while on those treks or expeditions. You must ask your insurance company for a policy covering high altitude sickness. You should also know where you are trekking or climbing and how high the trekking routes are. Insurance should cover the evacuation by Helicopter in an emergency.
Accidents
No one wants to have accidents while traveling. However, accidents happen sometimes, and there is always a risk of accidents while trekking and climbing in Nepal. So, the policy should cover those accidents and when an emergency evacuation is needed.
Illness
Traveling to places like Nepal always involves 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 covers illness while you trek and need to evacuate for further treatment.
Stolen, Lost, or Delayed Baggage
It is familiar to all travelers 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 this loss.
Other General subjects
There are delays or cancellations on Nepal domestic flights, mostly in the mountain parts such as Lukla, while 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. Sometimes, you need to take private helicopter flights, and they are not cheap in Nepal.
Trip Cancelation
Trips can sometimes be canceled for reasons beyond our control. These reasons include natural disasters, flight cancellations, the 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
- https://www.travelguard.com
- https://www.worldnomads.com
- https://www.travelex-insurance.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.jsinsurance.co.uk
- 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 - Sports Cover)
For Europe
- https://www.europ-assistance.com/en
For South-Africa
- https://www.europ-assistance.com/en