online travel insurance nepal

7 Best Nepal Travel Insurance Plans for US Citizens in 2024

Updated on January 10, 2024 by Matthew H. Nash – Licensed Insurance Agent

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Nepal travelers. Learn more at the end of this page.

STARTING PRICE FOR 2-WEEK TRIP TO THE NEPAL

CAN YOU CANCEL YOUR TRIP FOR ANY REASON? 

BEST  WEBSITE FOR

Comparing Policies

• Compare dozens of the best Nepal travel insurance policies from all the major providers in one place
• Easily filter for the features you want and get support from their award-winning customer service team
• Founded in 2013, TravelInsurance.com has helped hundreds of thousands of travelers find affordable insurance coverage

BEST POLICY FOR

Fast Claims

• Super fast claims via their 100% digital platform with a helpful mobile app
• Faye makes it easy to add-on coverage for vacation rentals, adventure/extreme sports, pet emergencies, and “cancel for any reason” at competitive prices
• Underwritten by Crum & Forster, Faye is known for its exceptional customer support, with 4.8/5 stars on Trustpilot

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

Travelers Aged 55+

• Pre-existing medical conditions are covered for a reasonable fee and they offer “cancel for any reason” as an add-on
• $2,000 COVID quarantine coverage available w/ Safe Travels Voyager plan
• Founded in 1998 and underwritten by Nationwide and GBG Insurance

BEST WEBSITE FOR

Filtering Plans

• This comparison website has the most comprehensive filters especially for Covid-19 which helps you search for the specific benefits you need
• They have “Zero Complaint Guarantee” which promises a fair claims process
• Established in 2003, Squaremouth has consistently been recognized for it’s exceptional customer service

BEST POLICY FROM

An Established Brand

• Well rounded, inexpensive travel insurance plans from an established and top rated global insurance company
• AXA has plans that cover pre-existing conditions and their “Platinum” plan covers “cancel for any reason” with an optional add-on. They also offer helpful 24/7 Worldwide Travel Assistance Services
• Founded in 1959 and underwritten by Nationwide

Family Travel

• Their “Trip Interruption for any Reason” feature allows you to get a 75% reimbursement for any additional expenses if you decide to go home early from your trip
• They have a variety of insurance products to suit any travel needs
• Founded in 1993 and underwritten by Nationwide Insurance

Long-term Travel

• Ideal for digital nomads and long-term travel, available to anyone anywhere
• Scored lower because short-term travel coverage isn’t as robust as competitors
• Founded in 2018 and is underwritten by Lloyds of London

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

Nepal travel insurance FAQs

Is it worth buying travel insurance for trekking in nepal.

Nepal travel insurance protects you financially against lost or stolen luggage, medical emergencies and evacuations, and trip cancellations or interruptions. You can even opt for “Cancel for Any Reason” coverage, or CFAR, to guarantee more flexibility. With travel being expensive these days, having the right policy can reimburse your travel costs should an unforeseen event interfere with your vacation, saving you from a significant financial loss. In medical emergencies, trip insurance provides crucial assistance, including coordinating medical evacuations and airlifts and admitting you to hospitals meeting US standards. The best travel insurance policy gives you peace of mind and will prove worthwhile for Nepal. In addition, depending on your age, most plans only cost approximately 2-3% of your total trip cost, making it highly affordable.

When should I buy Nepal travel insurance?

To get the most from your coverage, we recommend purchasing Nepal travel insurance, especially a Trip Cancellation plan, immediately after you book your vacation. This will ensure that you and any of your insured travel companions are protected against unexpected events prior to and during your trip. Remember that if you want a “Cancel for Any Reason” (CFAR) or Pre-Existing Condition optional upgrade, you must buy them within 14-21 days of paying the deposit on your vacation. Please verify with your preferred insurance provider for their specific requirements.

How many people can my Nepal travel insurance cover?

This depends on several factors, but all travelers wishing to be insured on the same plan must have the same travel dates and itineraries and reside in the same US state. The maximum number of people for Single Trip policies is 10. Any one of your travel companions who has a different travel itinerary to you or lives in another state must get their own policy. If 8 or more of you are traveling together, consider looking into group policies, as they are often cheaper and do not require that all travelers have the same itinerary or live in the same state. The only stipulation is that everyone must be US residents, and you still get the same dynamic coverage that you would get with a standard travel insurance plan.

Where can I find the cheapest Nepal travel insurance?

Instead of seeking the cheapest Nepal travel insurance, look for the one that best meets your coverage needs. First, use a comparison site like WithFaye.com to narrow down all policies that fit your criteria. Then, you can click the option to sort by price and choose the most affordable policy.

Do Nepal travel insurance plans cover a relative’s death?

This varies between policies. Many cheaper Nepal travel insurance plans will not offer bereavement benefits if your relative passes away from a pre-existing medical condition or commits suicide. However, some plans with higher premiums may reimburse you no matter your relative’s cause of death. Lastly, you’ll want to find out what each provider considers a “relative” to be. Does that include your siblings? Aunts and uncles? Grandparents? Cousins? Pets? Every insurer has different terms, so to be on the safe side, read the full details of any policy before buying it and follow up with the insurer should you have any lingering questions.

How do insurers define baggage loss? What does that benefit cover?

Baggage loss coverage is a complex topic. Baggage loss benefits ensure that if your baggage or personal effects get stolen, damaged, lost or destroyed during your time in Nepal or traveling to and from there, your provider will reimburse you up to the Maximum Benefit Amount listed in your policy. This even covers when your bags are checked with a hotel, common carrier or travel supplier. Of course, in such instances, the amount your travel insurance provider would reimburse you would be reduced by the amount the responsible party owes you. All travel insurance plans state Maximum Benefit Limits on a per-person basis, and it denotes the highest total your insurer will reimburse you for stolen, lost or damaged luggage. The total per-person reimbursement is also calculated based on the Per Article Benefit. This is the maximum amount your provider will reimburse you for each lost, stolen or damaged item during your travels. However, there is something called a Combined Article Limit for items such as watches, furs, jewelry, electronic devices and more. Therefore, should you lose one or more of these specific items, the most your insurer will reimburse you for all of them is the amount stated in your policy as the Combined Article Limit, even if their value exceeds it. The good news is that depending on your state of residence, your Nepal travel insurance plan may not have such restrictions. To better understand this, let’s imagine that your policy has a $2,500 Maximum Benefit Limit, a $500 Per Article Benefit and a $750 Per Article Limit. If your suitcase gets lost, your insurer will reimburse you depending on each item’s real value, but never more than your $500 Per Article Benefit. So, as a result, if there was a $1,000 coat in your lost suitcase, you will only get back $500, even if you haven’t reached your policy’s Maximum Benefit Limit. Let’s imagine you lose 2 items listed in your policy’s Combined Articles Limit section. The most you will get in return is $750, no matter how much greater their individual or combined value may be. Total reimbursements for all items cannot exceed your policy’s $2,500 Maximum Benefit Limit. Keep in mind that your Nepal trip insurance provided will require documentation to support your claim of possession and loss before they reimburse you. Proof of ownership can include police reports, original receipts, photographs, and letters from the responsible party (i.e., your travel carrier, hotel, etc.). Review the full details of your travel plan to ensure you know the different limits of your baggage loss coverage.

Will my Nepal travel insurance plan cover extreme sports and adventure activities such as trekking?

Most travelers to Nepal are there to experience world-class trekking, including Annapurna and Mt. Everest, and other adventure sports. With a high risk of injury, securing a travel insurance plan that covers these activities is essential. To find an insurance provider for this level of coverage, I suggest using SquareMouth.com and selecting their “Sports & Activities” filter. Doing so will allow you to enter the specific activities you plan to participate in while on vacation in Nepal. Once you submit your query, it will show you all of the available plans that provide your requested coverage. Remember to read all of a policy’s details before buying.

Will my travel insurance plan cover the inherent costs that come with canceled flights?

The vast majority of the time, trip insurance will cover canceled flights. For example, you can expect to be eligible for benefits if your flight gets canceled at least 24 hours before departure due to inclement weather, an employee strike or a natural disaster. However, if you need to cancel your flight, there are some circumstances under which you could be reimbursed. These include the illness, injury or death of an insured travel companion or your own medical emergency. Additional approved reasons include civil unrest in your location or destination, a jury duty summons or unexpected military deployment.

Most common problems while traveling in Nepal and how to avoid them:

Altitude sickness is a typical illness that travelers in Nepal experience, especially those who insist on trekking without a local guide or sherpa and don’t appropriately pace their ascents and descents. Travelers Diarrhea is another illness that plagues those who visit Nepal. TD, a stomach and intestinal condition, also manifests with several other symptoms, including fever, headache, abdominal cramps, bloating and more. Make sure you eat food that has been cooked properly–piping hot!–or raw produce that has been washed well. Other health risks include dengue fever and malaria. Should you lose your appetite, get dizzy and nauseous and develop a high fever, consult a doctor immediately. If left untreated, both of these can be fatal, especially if you allow yourself to become dehydrated.

When people think of Nepal, they often think of mountains–8 of the 10 world’s largest! And when it comes to accidents and injuries, most are the result of trekking expeditions throughout the country. Twisted ankles and frostbite are among the most common injuries among travelers in Nepal. Falling victim to natural disasters such as earthquakes, landslides and blizzards are also possible. Another potential for accidents is tied to riding buses. Buses in Nepal are old and often poorly maintained, as are the country’s treacherous mountain roads.

Pickpockets and muggers are particularly active in busy transportation hubs, the Thamel area of Kathmandu and other busy areas packed with tourists. Money belts are a smart choice as long as you wear them correctly–under your shirt and the waistband of your pants. Also, if you must take a bus anywhere within the country and hand over your luggage to be stowed away, keep all of your valuables in a small backpack that you carry onboard so that they don’t get stolen during stops along the way.

Emergency resources for the United Kingdom 

Phone numbers.

To contact the police, dial 100 from any phone or 101 for the fire department.

US embassy or consulate details

The US Embassy is located in Nepal’s capital city of Kathmandu. Please consult the website for their hours, phone number, address and information about citizen services. To be on the safe side, you can register your trip to Nepal with the Department of State via their Smart Traveler Enrollment Program . Whenever you list your travel plans with STEP, the State Department will send you special travel alerts for your destination. It also makes it simpler for the US Embassy in Nepal to communicate with you and your family in an emergency.

Other local knowledge that is helpful for travelers

Accommodations.

Nepal offers a wide range of accommodations catering to all budgets, ranging from backpacker hostels and small family-run guesthouses to 5-star hotels and luxury resorts. While your accommodation is covered during your treks, you will still need to book a place to stay in Kathmandu or the surrounding areas for the night of your arrival in Nepal and any additional time you wish. In Kathmandu, most travelers stay in Thamel, the historic part of the city, which is packed with restaurants, shops, and cafés. Pokhara, a lakeside town, is the other most popular destination for tourists in Nepal, which abounds with comfortable guesthouses and restaurants. Avoid staying anywhere called a lodge (or “hotel and lodge”) and is excessively cheap. These places are often stark and uncomfortable, with unsanitary bathrooms and cold water showers. However, in the mountains, lodges can be pretty comfortable and primitive with hospitable owners.

The national currency is the Nepalese rupee (NPR). Note that the NPR is not exchanged anywhere else in the world. In fact, it is illegal to take Nepalese rupees out of the country. Therefore, you must exchange your NPRs for another currency before departing. You can do so at the airport or usually in Kathmandu. The Nepalese rupee comes in 1, 2, 5, 10, 20, 25, 50, 100, 250, 500, and 1000 NPR notes, along with NPR 1, 2, 5, and 10 coins. Since Nepal is primarily a cash-based society, always keep plenty of cash on hand. While this is not the norm in other countries, you will get the best exchange rates at the airport. Also, ATMs are available in touristy areas, but they are far less prevalent than you are used to in the States. Having US dollars of larger denominations ($100 or $50) will simplify your life since Foreign Currency Exchanges are available in places like Kathmandu, Pokhara, and Lumbini. You will need to show your passport to exchange currencies, and always remember to save your receipts from these exchanges. Should you use ATMs in Nepal to withdraw funds, you must notify your US bank of your travel dates and destination, so they do not block your card due to “suspicious activity.” You will need your PIN, so be sure to have it committed to memory before leaving home.

Eating in Nepal can be an absolute pleasure, as Tibet and India have highly influenced their cuisine. Nepali dishes are loaded with vegetables, meats, spices, lentils and chickpeas. The most popular dish among locals is dal bhat, which, if you get the complete Nepali khana set, usually includes rice, a small serving of lentil soup, curried vegetables, pickles, some raw vegetables and a dairy sauce or yogurt. Dal bhat is healthy and filling. Another comparable meal to the Nepali khana set mentioned above is the Takhali Thali, which hails from the Mustang region of the country. Like the khana, the thali comes with rice, buckwheat, maize, millet, dal, pickles and vegetables. Nepali people also love their momos! These are steamed dumplings filled with spices and vegetables or meat that are served with chutney. Almost as popular as momos, but not quite, are samosas, also found throughout the Indian subcontinent. These are fried savory pastries filled with spices, potatoes and other vegetables that are served with chutney. While there are several other much-loved snacks and dishes in Nepal, these are the best. Just don’t forget to try a piping hot cup of Nepali masala chia at least once, particularly if you go trekking. It’s comparable to Indian masala chai (tea). Lastly, do not waste food. Nepalis waste nothing and will polish their plates. Wasting is not only an insult to the chef, but it symbolizes a lack of respect for the abundance you are given. After all, Nepal is an impoverished country and people value what they have. On the other hand, asking for seconds is a great compliment to the chef.

Getting Around

How you get around Nepal may vary based on where you go and what you plan to do. Whether you go by bicycle, motorbike, bus, mini-bus, or airplane, traveling throughout this mountainous country requires some planning due to the poor condition of the vehicles and roads. Whenever you’re in any Nepali city, tuk-tuks, taxis and your own feet are the most reliable options for getting around. For tuk-tuks, ensure that you establish a fare for your destination before you set off. You may have to do the same with taxis if you can’t find a driver willing to use the meter. While bus travel seems to be the most popular mode of transport, it’s important to point out that it comes with significant risks and is quite dangerous. Thousands of bus accidents occur yearly, resulting in many deaths and injuries. Avoid Local and Regular buses if possible since there is little comfort, and people travel on the roofs and floors. Instead, purchase tickets for Tourist, Express or Deluxe buses where you will enjoy a reasonable amount of comfort. Even though Tourist Buses are the most expensive, they are still very budget-friendly. Mountain biking trips throughout Nepal have become incredibly popular in recent years. You can take one-day or multi-day cycling trips on the Annapurna Circuit, to remote villages, from Kathmandu to Pokhara and beyond. The longest trips on offer last approximately 16 days. Always seek a reputable company to take your mountain biking trips with, as they can supply you with appropriate gear and bikes and provide an abundance of cultural and trail knowledge. This is the best way to minimize injuries and maximize your overall experience of Nepal. Should you choose to rent a motorbike to explore the country, only do so if you’re used to riding motorbikes or motorcycles back home, as the rough roads in Nepal can pose a real threat to your safety. Also, to drive in Nepal, even a motorbike, you will need an International Driver’s Permit (available through AAA online/mail or in-person) and your US driver’s license. Finally, if you decide to rent/hire a car, it’s probably best to hire a driver since they know the roads well. Flying is another option for moving around Nepal, as small airports and airstrips are scattered throughout this Himalayan country. The three airlines you can book tickets with are Nepal Airlines (government-run), Yeti Airlines and Buddha Air–the latter two are privately owned air carriers with better performance and safety records. The most common flights people take are from Kathmandu to Pokhara, particularly among those who plan to trek the Annapurna Circuit and Lukla for those who want to do an Everest Base Camp trek. While flying can save you a tremendous amount of time and score you some breathtaking views of the Himalayas, please note that Nepal does not have the best air safety record.

Local Customs & Etiquette

Knowing how to greet people is an important aspect of life in Nepal. In Nepal, people greet one another with “Namaste” and put their hands in a prayer position. Namaste means “the light in me honors the light in you.” The more respect you intend to show, the higher you hold your hands. For example, if you meet elders or monks, you might want to raise your prayer hands in front of your face. Whereas with others, you can place your hands in prayer at the center of your chest. Groups of men tend to greet one another individually with handshakes instead. When in doubt, follow the lead of the locals with whom you’re interacting. Nepal is a “right-handed” community like many countries in the region. This means that Nepali people view the left hand as dirty. It is the hand people wipe themselves with when using the bathroom. And since most Nepalis do not use toilet paper, you can imagine the disgust they might experience if you pay for your meal by handing them cash with your left hand. In short, if you shake hands or give something to someone, always use your right hand. If you receive an invitation to a Nepali home, remember to remove your shoes before entering. You may see shoes outside the front door or just inside it, so act accordingly. This keeps outside dirt and “bad energy” from spreading throughout the home. Unlike in the US, people in Nepal do not touch one another’s heads. The head is sacred for them as they perceive it to be their connection to divine energy or spirit. Respect this custom completely, even with babies. Furthermore, dress modestly while you’re in Nepal. This is a very traditional country, and it’s important to respect their customs around clothing, especially when visiting a temple or a stupa. Appropriate attire includes pants or skirts that cover the knees and reach your ankles as well as tops that cover your shoulders. Tops that reveal cleavage or show one’s knees is not acceptable. Also, remember to remove your shoes before entering a temple and refrain from taking photos, as most temples prohibit it. While in Nepal, you may see men and women walking separately by gender. It’s typical to see men walking with their arms around one another or holding hands; the same goes for women. Since PDAs are frowned upon in Nepal, these tactile gestures between people of the same gender have nothing to do with sexuality. Instead, it is a form of acceptable affection between friends. Another quirk about the people of Nepal is their laid-back attitude towards time. While most adventure sports and activities usually take place relatively as planned, most meetings do not. So relax and get on Nepali time! Lastly, do not be caught off-guard by the Nepali habit of spitting. Nepalis spit frequently and everywhere, so watch out you don’t end up in the line of fire.

Public bathrooms, or “toilets” as they are known in Nepal, are in major shortage, even in the capital of Kathmandu. So it’s always best to grab a drink at a café or a meal in a restaurant and use their bathroom instead. Many businesses catering to tourists will have Western-style toilets, while smaller businesses may have squat toilets. Should you end up using a public toilet, expect to pay a minimal fee and don’t be surprised if you get asked, “Short toilet or long toilet?” This does not mean what you probably think it does. You declare “short toilet” if you need to pee and “long toilet” if your bowels need to move. It may seem odd or embarrassing to say your intentions for the toilet publicly, but it’s the norm in Nepal. A “long toilet” will cost you slightly more. If you cannot find the lever and it comes time to flush, look to see if there is a bucket and a water tap in your stall. If so, you’ll have to manually flush the toilet by filling up the bucket and pouring the water into the toilet.

First and foremost, always tip in Nepalese rupees, not dollars. Tipping is expected in restaurants, hotels and businesses that cater to tourists. You may see a 10% service charge on your restaurant bills. While this fee supposedly goes to the servers, many contend it may not. Therefore, leaving a cash tip for your server of 10-15% of your bill for good service is always appreciated. Casual food stands or shops that do not employ servers will not expect tips, though leaving behind your coins or rounding up to the next rupee note is polite. Many hotels have tip boxes at their front desks for the cleaning staff. If they do not, you can leave it in your room. The suggested tip is $1/night for hotels that cost up to $25/night. Increase your tip to a maximum of US $4-$5 for more expensive accommodations. An appropriate tip for bellhops is $1 per bag in most hotels, but if you’re staying at a resort or luxury hotel, $2 is good. When requesting concierge assistance, tipping $2-$3 will go a long way in ensuring you get good service. Should you order room service, always tip a minimum of 10%. However, if your order is small, like a coffee and toast, then tip a minimum of $0.50. Only tip taxi drivers who use their meter when shuttling you from one place to another. We say this because it reinforces honesty. You can round up to the nearest NPR note or give them an extra $1-$2 tip. It depends on the quality of service you receive. Lastly, be sure to tip your trekking guide and porters. A standard tip for guides is 10% of your total trek costs–a minimum of $5/day for solo trekkers; $10/day for group trekkers. Of course, you can always tip more if you have the time of your life and really want to thank them for the experience and memories. Don’t forget to tip your porters $3-5/day. The heavier your bag, the more you should tip. If you trek in a group instead of hiring a guide for just you and your friends or family, then tipping will be on a group basis. Ask your trekking company how to handle this best. You will also want to tip any guides you may have for city or cultural tours, approximately $3-5 for the day.

Trekking in Nepal is a dream come true for many Americans, and the great thing is that there are treks for all types. So whether you want to go for a day hike, a 5-day trek or an arduous 21-day trek, you have plenty of choices, from Everest Base Camp and Annapurna Circuit to the Tamang Heritage Trail and the less crowded Upper Mustang trail. Many experienced trekkers and mountain climbers assume they’ll be fine trekking on their own, but this sort of hubris often leads to serious injury and can threaten a person’s safety. Professional guides and porters from Nepal-based companies know every detail of these trails, understand how to pace trekkers to prevent altitude sickness and can lead people out of dangerous circumstances. Speaking from experience, save yourself the money and hassle of bringing all your fancy trekking gear from home. You can rent or buy everything you need in Nepal for a fraction of the price, but do bring your own boots, rain poncho, antibiotics for stomach or respiratory illnesses, bandages, face cloth, travel towel, headlamp and batteries. Also, be sure to bring 2-4 extra passport photos–check with your tour operator–with you as your trekking guide/company will need them to apply for your trekking permit, also known as TIMS. Keep this permit with you at all times. This permit is like a passport, but it is also Nepal’s way of keeping track of trekkers to ensure no one goes missing. Most treks will specify whether your accommodations will be with local families, tents or teahouses. Teahouses are family-run mountain inns. They vary quite a bit with respect to size and comfort. Some have hot showers and heated rooms, while others don’t. The good news is that Nepal makes the warmest blankets you’ve ever seen! Furthermore, most teahouses offer all-day food and chia/chai (tea). Dal bhat is a typical lunch meal, though many teahouses offer Western-style foods, including sandwiches, pasta, eggs, pies and more.

A typical scam, primarily in Kathmandu, is conducted by men who dress as if they are holy men, also known as sadhus. The scam starts by beckoning tourists to them to take photographs with them. Once the pictures are taken, the “sadhus” demand payment, leaving unsuspecting tourists caught off-guard and feeling cheated. Just avoid them altogether. Credit card skimming is particularly common at nightclubs in Nepal. So unless you want to spend part of your vacation on the phone with your credit card company dealing with fraudulent charges, steer clear of them or pay cash. If you decide to go to bars or clubs in Kathmandu or Pokhara, drink-spiking is common, especially among tourists. Taxi drivers have a terrible reputation in Nepal for scamming tourists. Most will refuse to use the meter, charging tourists double or triple the regular fare. You can decide to wait until you find a taxi that will use the meter or attempt to set a fixed price with a driver who refuses to use their meter. Many scams involve children, particularly the “buy milk for baby” scam. Do your best to avoid these situations at all costs. If you feel sorry for a child, you can buy them food or a small carton of milk and open it for them to consume immediately, but do not do so at the store they’re trying to lure you into because the shopkeeper will charge you an excessive amount of money.

Nepal is generally a very safe country, even for solo female travelers. That said, using common sense and exercising your street smarts never hurts. Never leave your valuables unattended. Don’t flash around large sums of cash, fancy jewelry or expensive camera gear. Avoid walking alone at night, particularly in desolate or dark areas. Petty theft, such as pickpocketing or muggings, is the most common but not more than in most American cities. If you are trekking, never go alone. Always employ the services of a guide and be sure to heed their advice to minimize your risk of injury or illness while in the mountains. Unfortunately, there have been instances of sexual assault against solo female trekkers by their male guides. While it is certainly not the norm, if you want to put your mind at ease, hire a female guide (yes, there are a few!) if you’re solo trekking or join a group trek. Avoid nightclubs in Nepal. After countless scams of having vast sums of money charged to their credit cards and their drinks spiked, there is no real incentive to go. Instead, stick to your hotel bar if you need a drink.

What to pack for Trekking in Nepal

Apart from Travel Insurance, we recommend you bring the following items for maximum health, safety and enjoyment of your trip to Nepal

A final note about travel insurance for the Nepal

I have spent dozens of hours researching travel insurance, including getting quotes and comparing coverage from all the most popular brands. Regardless of where you’re going I am confident that you will also find that WithFaye.com offers the best way to compare policies with the ideal combo of coverage and price.

I wish you and yours an incredible journey.

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Auras: your globally trusted international insurance provider

We make insurance simple. It is very well established among clients and has received a lot of positive feedback. World famous newspapers, TV channels, bloggers write about us

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Frequently asked questions

What is a deductible, is travel insurance required, can i buy an insurance policy when i am already in another country, when does the insurance policy take effect, in what language should i write the information when buying, what should i do if the data is entered incorrectly, how to buy insurance for a child, how to issue an insurance policy for another person, which country should be indicated in the policy if i plan to travel to two or more countries in a row, what should i do if the payment has not gone through, how long does it take to receive the insurance policy after payment, how will the policy be sent, i have not received my policy. what should i do, what to do if an insured event occurs, how is monetary compensation after an insured event carried out, can i buy insurance for one day, is it necessary to buy insurance when flying on a transit flight, select a country and language, write to the director, type of travel.

Please select the type of travel that covers the majority of risks during your trip.

• Running and walking;
• Fitness, yoga and pilates
• Aerobics and aqua aerobic;
• Fishing (except underwater fishing);
• Descent into the cave with an excursion;
• Snorkeling;
• Organized animal riding tours;
• Billiards and bowling;
• Swimming (except diving).
• Weightlifting and bodybuilding;
• Cycling (except road cycling, cycling motocross, cycling track, cycling triathlon, and mountain biking);
• Military and historical reenactments;
• Rowing (kayaking and canoeing);
• Ice skating (except figure skating), sledding (except bobsledding, tobogganing, and skeleton), tubing, snow skates;
• Ball games (football, basketball, American football, rugby, volleyball, and others);
• Tennis (any);
• Roller skating (except rollerblading), scooters, segways (and other self-balancing personal transporter devices);
• Travel as a driver or passenger on ATVs, scooters, mopeds, scooters and motorcycles, snowmobiles;
• Visiting water parks, amusement parks, jumping on a trampoline;
• Water activities (other than those explicitly mentioned in the riskier options), including the use of water bicycles (except aquabikes and jet skis), towed inflatables and parachutes (parasailing), boats and watercraft;
• Recreational organized shooting at specially equipped sites (including archery);
• Water skiing, water motorcycles (aquabike), water tourism including yachting and participation in regattas;
• Alpine skiing and snowboarding on specially equipped or marked tracks (except freestyle);
• Trekking (cross-country hiking without mountaineering equipment) up to 3000 meters above sea level;
• Jeep safari;
• Surfing (including windsurfing and wakesurfing, except skysurfing);
• Sandboarding;
• Unaccompanied animal riding (including horseback riding);
• Sports and ballroom dancing.
• Motor sports on special tracks;
• Arm wrestling;
• Bungee jumping, rope jumping, and other types of bungee jumping;
• Bobsledding and Luge;
• Wakeboarding;
• Cycling (including motocross, road, BMX, track, mountain biking, trials);
• Alpine skiing and snowboarding (including freeride and heliskiing);
• Martial Arts (including all types of boxing and wrestling: boxing, MMA, Muay Thai, kickboxing, and others);
• Paragliding;
• Hot Air Balloon;
• Cliff diving;
• Mountaineering (mountain hiking, rock climbing, mountain biking, trekking (climbing) in mountains above 3,000 meters);
• Participation in any flight and parachuting;
• Hunting with any type of weapon;
• Hang Gliding;
• Parkour and freerunning;
• Rodeo (bull riding);
• Rollerblading;
• Trolley rappelling;
• Street luge racing;
• Flyboarding;
• Freestyle (skiing and snowboarding);
• Pogo-stick;
• Rock and ice climbing;
• Figure skating;
• Kiting (including kitesurfing and snowkiting);
• Scuba diving;
• Underwater fishing;
• Mountainboarding.
• Exacerbation of chronic diseases
• Coverage of the diagnosis of COVID-19
• Compulsory observation for up to 15 days
• Amount of compensation in case of an accident
• Return of adults
• Returning home minor children
• Standart loss of baggage
• Flight delay over 4 hours
• Loss of documents
• Expenses for staying abroad
• Payment of attorney's services
• Payment of interpreter services
• Reimbursement of costs for the preparation of documents necessary for returning to the country of permanent residence
• Reimbursement of losses that led to breakdown or damage of rented / rental sports equipment
• Payment of the cost of telephone communication
• Car transportation to the nearest service station
• Return of the driver and passengers to the country of permanent residence
• Sudden technical breakdown or damage due to a road accident

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, nepal travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

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Before you choose a travel insurance policy for your trip to Nepal, make sure you’re buying the right level of cover for what you need. Have a think about:

• The cost of your trip or holiday – Unfortunately things can happen outside of your control, meaning you have to cancel your holiday; if that’s the case, it is good to know that you can cover costs
• The total cost of your baggage – After all, no one just nips to Nepal!
• The activities you’re likely to be doing – If you’re planning anything really extreme, we can offer you extra cover if needed
• Also, don’t forget to check the  latest travel advice for Nepal from the FCDO

Our Coronavirus Travel Insurance is rated Superior by a leading UK Consumer Champion. All of our policies will cover you if you catch Coronavirus.

What is covered with our Nepal travel insurance?

As standard, our policies cover for over 50 sports and activities , so you can get up to more on your holiday. We also offer a range of benefits, some of which include:

• Medical expenses and hospital benefit
• Personal accident and liability
• Cancelling and cutting short your holiday
• Abandoning your trip
• Delayed departure
• Accommodation cover
• Personal belongings and baggage
• Personal money, passport and travel documents
• Legal expenses

For more information about what’s covered with travel insurance for Nepal, have a read of our policy documents here .

What should you know about Nepal?

If you’re wondering what to expect from your trip to Nepal, it might be helpful to have a read of some facts and other important information that we’ve put together here:

Do you need a visa for Nepal?

Yes, you do need a visa to travel to Nepal as a British citizen. You can apply for a visa by contacting the Embassy of Nepal , or on arrival at Tribhuvan International Airport (or some other land borders). If you’re planning on getting a visa on arrival, you’ll be asked to fill out an application form and provide a passport photo. Make sure your visa is valid for the entire length of your stay, as overstaying your visa could result in you being detained or refused permission to leave until you’ve paid a fine.

More information about vists and entry requirements for Nepal can be found here .

Healthcare in Nepal

The best healthcare services of a very good standard in Nepal are in the capital, Kathmandu. However, the standard of the healthcare begins to lower the further out and more remote you travel. Be prepared and know your options, as sometimes there are no facilities at all.

If you’re going on holiday to Nepal it’s important to make sure you have adequate travel insurance that ideally includes repatriation, especially if you’re planning on going hiking in the mountains. You can find more information about healthcare in Nepal here .

Medical & Emergency Assistance in Nepal

If something happens while you’re in Nepal and you need emergency treatment for an illness or injury, we’re here to help. All travel insurance policyholders have access to our 24-hour medical assistance team .

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

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• Clients Reviews
• Ghorepani Poon Hill Trek: Poon Hill Trek 3 Days From Pokhara
• Ghorepani Poon Hill with Mardi Himal Trek
• Short Annapurna Base Camp Trek
• Annapurna Base Camp Trek 6 Days
• 7 Days Annapurna Base Camp Trek
• Annapurna Base Camp with Poon Hill Trek 10 Days
• Annapurna Circuit Trek 10 Days
• Annapurna Base Camp Trek
• Annapurna Circuit Trek 12 Days
• Mardi Himal Trek
• Khair Lake and Khopra Ridge Trek
• Mohare Danda Trek
• Jomsom Muktinath Trek
• Annapurna Circuit Trek: Explore the world’s longest Thorong La Pass
• Annapurna Tilicho Lake Trek
• Ghale Gaun Trek
• Nar Phu Valley Trek
• Poon Hill Trek 3 Days
• Langtang Trek
• Langtang Valley Trek
• Short Langtang Trek 5 Days
• Langtang Gosainkunda Trek
• Langtang Tamang Heritage Trek
• Gosainkunda Pass Trek
• Helambu Trek
• Langtang Valley and Ganja La Pass Trek
• Everest View Trek
• Everest Base Camp Trek 9 Days
• Everest Short Trek
• Everest Base Camp Trek 10 Days
• Everest Base Camp Trek 12 Days: Everest Base Camp Short Trek
• Everest Base Camp Trek: Experience Nature’s Majesty at Its Peak
• 14 Days Everest Base Camp Trek
• Gokyo Lake Trek
• Gokyo Chola Pass Trek
• Everest Base Camp Trekking
• Everest Three Pass Trek: Three High Passes Trekking in Nepal
• Everest Base Camp Trek Cost
• Ama Lapcha Pass Trek
• Pike Peak Trek
• Everest Base Camp Luxury Trek
• Everest Base Camp Trek Guide Cost
• Manaslu Circuit Trek
• Manaslu Trek
• Manaslu Circuit Trek 10 Days
• Manaslu Tsum Valley Trek
• Lower Dolpo Trekking
• Lower Manaslu Scenic Trek
• Rara Lake Trekking
• Rupina La Pass Trek
• Upper Dolpo Trekking
• Upper Mustang Trek: Discover the Hidden Nature & Culture of Mustang
• Chepang Hill Trek
• Ganga Jamuna Trek
• Kathmandu Valley Tour
• Kathmandu Chitwan Tour
• Kathmandu Chitwan Pokhara Package Tour
• Kathmandu Chitwan Lumbini Via Pokhara Tour
• Bandipur Pokhara Tour
• Bungy Jump in Nepal
• Helicopter Tour In Nepal
• Mountain Flight in Nepal
• Paragliding in Nepal
• Island Peak Climbing: Popular Trekking Peak Climb in Nepal
• Lobuche Peak Climbing:
• Mera Peak Climbing
• Pisang Peak Climbing
• Yala Peak Climbing
• Amadablam Expedition in Nepal
• Chulu West Peak Climbing
• Trekking in Nepal
• Packages Tour in Nepal
• Peak Climbing in Nepal
• Expedition in Nepal
• Rafting in Nepal
• Chitwan Jungle Safari
• Paraglading in Nepal
• Mount Kailash Tour
• Cho Oyu Expedition in Nepal
• Bhutan Tour
• Bhutan Cultural Tour
• Compulsory Equipment List
• Nepal Visa Information
• Currency & Payments

Travel Insurance

“Feel Confidence, Take the Journey” When planning a trip to Nepal, including any type of activity, it is highly recommended to have travel insurance before traveling to Nepal. However, Nepal High Trek has been informing our client before heading to Nepal. We recommend that your insurance is worth a minimum of USD 100,000. Travel insurance provides coverage for unforeseen events, such as trip cancellations, medical emergencies, evacuation, loss or theft of belongings, and other travel-related risks. Here are some essential points to consider when purchasing travel insurance for your Nepal trip.

• Medical Coverage: Ensure that your travel insurance provides comprehensive medical coverage, including emergency medical expenses, hospitalization, and emergency medical evacuation if needed. Medical treatment in remote areas or at high altitudes can be expensive, so having adequate coverage is crucial.
• Emergency Evacuation: Look for insurance that covers emergency evacuation by helicopter or other means in case of a medical emergency or severe altitude sickness. The Upper Mustang region is remote, and access to medical facilities may be limited, so emergency evacuation coverage is essential.
• Adventure Activities Coverage: Confirm that your insurance policy covers trekking activities and any other adventure activities you plan to engage in during your Nepal trip. Some insurance policies may have specific exclusions for certain activities or altitudes, so make sure you read the policy details carefully.
• Trip Cancellation and Interruption: Choose a policy that covers trip cancellation or interruption due to unforeseen circumstances, such as illness, injury, or natural disasters. This will protect your investment in case you need to cancel or cut short your trip.
• Lost or Stolen Belongings: Ensure that your travel insurance covers the loss or theft of your belongings, including luggage, personal items, and equipment. This coverage can be valuable, especially when traveling in unfamiliar environments.
• Policy Limits and Exclusions: Read the policy terms and conditions thoroughly, including any coverage limits, deductibles, and exclusions. Pay attention to any pre-existing conditions exclusions and understand the claim process and documentation requirements.
• Duration of Coverage: Make sure your travel insurance covers the entire duration of your trip, including any pre- and post-trekking activities. It is advisable to have insurance coverage for a few days before and after the trek to account for any unforeseen circumstances or delays.
• Compare Multiple Policies: Shop around and compare different insurance policies to find the one that best suits your needs. Consider factors such as coverage, price, reputation of the insurance company, and customer reviews.
• Declare Pre-Existing Medical Conditions: If you have any pre-existing medical conditions, make sure to declare them when purchasing travel insurance. Failure to disclose pre-existing conditions may lead to denial of coverage when making a claim.

Remember to keep a copy of your travel insurance policy and emergency contact numbers with you during your trip. It is also advisable to inform your travel companions or family members about your insurance coverage and how to contact the insurance provider in case of an emergency.

Recommended Travel Insurance Companies by our valuable clients:

For Travelers from USA and Canada

• Online Global Health Insurance
• Insure My Trip.com (Online Insurance Aggregator)
• Mondial Assistance
• Access America
• HCC Medical Insurance Services
• Good Neighbor Insurance (International Health)
• International Health
• Insuremytrip dot com
• Multinational Underwriters
• World Nomad
• TIC Travel Insurance Coordinators Ltd
• Travel Assist

For Travelers from England

• Specialty Group (UK) Limited
• FirstAssist Services Limited
• Harrison Beaumont
• Buy cheap travel insurance

For Travellers from EUROPE

• Assistance CORIS

For Travellers from Australia and New Zealand

• Cover-More Travel Insurance
• CGU Insurance Limited

Announcement : These mentioned travel companies were recommended by our previous travelers and are for recommendation purposes only.

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Top Travel Insurances For Nepal You Should Know in 2024

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Known the world over among travel enthusiasts and mountaineers, Nepal is known for its stunning high-altitude landscapes like Mount Everest and Kanchenjunga, as well as its rich cultural heritage and beautiful temples like Pashupatinath Temple. Although travelling to Nepal can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Nepal and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Planning to trek or climb? Then this article isn't for you; we only cover options for casual tourism to Nepal. For high-altitude climbing, hiking, or trekking, you'll need to find specialist insurance without altitude limits.

Nepal Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Nepal:

Best Travel Insurances for Nepal

• 01. Do I need travel insurance for Nepal? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Nepal scroll down

Heading to Nepal soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory in Nepal?

Yes, travel insurance is mandatory for travel to Nepal. This means that as a traveller to Nepal, you must provide valid travel insurance coverage for the entire duration of your stay. If you don't arrive with travel insurance, you risk being denied entry into Nepal, or even deported in certain cases.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Nepal or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Nepal:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Nepal, no matter whether you're on safari in the Chitwan National Park or exploring the back alleys of Kathmandu.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to Nepal, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Nepal:

• Policy Names: Varies
• Medical Coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip Coverage: Excellent - but only available for US residents.
• Customer Support: FAQ, live chat and phone support
• Pricing Range: USD 25 to USD 150 /traveller /month
• Insurance Underwriter: Lloyd's, Petersen, and others
• Best For: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option for Nepal, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy Names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical Coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip Coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer Support: FAQ, live chat, phone support
• Pricing Range: USD 80 to USD 420 /traveller /month
• Insurance Underwriter: David Shield Insurance Company Ltd.
• Best For: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads in Nepal because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy Names: Nomad Insurance, Remote Health
• Medical Coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip Coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing Range: USD 45 to USD 160 /traveller /month
• Insurance Underwriter: Tokyo Marine HCC
• Best For: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Nepal? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Nepal

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, travel insurance is mandatory for travel to Egypt. This means that as a traveller to Egypt, you must provide valid travel insurance coverage for the entire duration of your stay. If you don't arrive with travel insurance, you risk being denied entry into Egypt, or even deported in certain cases.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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The Ultimate Guide to Travel Insurance in Nepal

Table of Contents

The Ultimate Guide to Travel Insurance in Nepal: Everything You Need to Know

Are you planning a trip to Nepal ? Exploring the breathtaking landscapes, immersing yourself in the rich culture, and trekking in the majestic Himalayas are experiences you’ll never forget. But before you embark on your adventure, there’s one essential thing you need to consider: travel insurance. In this ultimate guide , we will walk you through everything you need to know about travel insurance in Nepal. From understanding the importance of having adequate coverage to selecting the right policy for your specific needs, we’ve got you covered.

We’ll delve into the types of coverage available, such as medical expenses, trip cancellation, and emergency evacuation, ensuring you have a comprehensive understanding of what to look for. Additionally, we’ll provide you with valuable tips and insights, including how to compare quotes and find the best insurance provider. So, whether you’re planning a solo expedition or a family vacation, let’s navigate the world of travel insurance together and ensure you have a worry-free and unforgettable experience in Nepal.

Why you need travel insurance in Nepal

Nepal is a beautiful country that offers a wide range of experiences for travelers. However, it’s important to recognize the potential risks and uncertainties that come with traveling to a foreign country. From unexpected medical emergencies to trip cancellations or delays, travel insurance provides you with the necessary financial protection and peace of mind.

Having travel insurance in Nepal is crucial because the cost of medical treatment can be exorbitant, especially in remote areas. In the event of an accident or illness, having insurance coverage will ensure that you receive the necessary medical attention without incurring substantial expenses. Additionally, travel insurance can cover emergency medical evacuation, which may be necessary if you find yourself in a remote location with limited medical facilities.

Types of travel insurance coverage in Nepal

When it comes to travel insurance in Nepal, there are several types of coverage that you should consider. The most basic coverage includes medical expenses, trip cancellation or interruption, and personal liability. Medical expenses coverage will take care of any medical treatment you may require during your trip, ensuring that you don’t have to worry about paying hefty medical bills out of pocket.

Trip cancellation or interruption coverage provides financial protection in case you have to cancel or cut short your trip due to unforeseen circumstances such as illness, natural disasters, or political unrest. This coverage can reimburse you for non-refundable expenses such as flights, accommodation, and tour packages.

Personal liability coverage is essential in case you accidentally cause injury or damage to someone else’s property during your trip. It can cover legal expenses and compensation if you are held responsible for such incidents.

There are many different types of travel insurance coverage available in Nepal, but some of the most common types include:

• Medical coverage:  This type of coverage typically covers the cost of medical treatment, including doctor’s visits, hospital stays, and emergency evacuation. It is important to note that the level of medical coverage offered by different insurers varies, so it is important to read the policy carefully before you purchase it.
• Trip cancellation or interruption coverage:  This type of coverage will reimburse you for the cost of your trip if you have to cancel or interrupt your trip for a covered reason, such as illness, injury, or death of a family member.
• Baggage and personal effects coverage:  This type of coverage will reimburse you for the cost of your lost, stolen, or damaged baggage and personal effects.
• Delay coverage:  This type of coverage will reimburse you for the cost of your expenses if your trip is delayed due to weather, mechanical problems, or other unforeseen circumstances.
• Accidental death and dismemberment coverage:  This type of coverage will pay out a lump sum if you are killed or injured in an accident while you are traveling.

Understanding the cost of travel insurance in Nepal

Here are some factors that can affect the cost of travel insurance in Nepal:

• Length of your trip:  The longer your trip, the more expensive your travel insurance will be.
• Your age:  Younger travelers typically pay less for travel insurance than older travelers.
• Your health:  If you have any pre-existing medical conditions, you may have to pay more for travel insurance.
• The level of coverage you choose:  The more comprehensive your coverage, the more expensive your travel insurance will be.
• The insurer you choose:  Different insurers offer different levels of coverage and prices, so it is important to compare prices from different insurers before you purchase a policy.

To get an accurate quote, it’s important to provide detailed information about your trip, including the countries you plan to visit, the activities you will be engaging in, and any pre-existing medical conditions. This will help insurance providers assess the level of risk involved and provide you with a tailored policy that meets your specific needs.

How to choose the right travel insurance plan for your trip to Nepal

Selecting the right travel insurance plan for your trip to Nepal requires careful consideration of your individual needs and priorities. Here are some factors to consider when choosing a policy:

1. Coverage: Ensure that the policy covers all the essential aspects such as medical expenses, emergency evacuation, trip cancellation, and personal liability. Evaluate the coverage limits and exclusions to ensure they align with your requirements.

2. Pre-existing medical conditions: If you have any pre-existing medical conditions, check if they are covered by the policy. Some insurance providers offer coverage for pre-existing conditions, while others may require additional premiums or exclusions.

3. Adventure activities and trekking coverage: If you’re planning to engage in adventure activities or trekking in Nepal, make sure the policy covers these activities. Some policies may exclude certain high-risk activities, so it’s important to read the fine print to avoid any surprises.

4. Deductibles and excess: Consider the deductibles and excess amounts associated with the policy. A higher deductible may lower the premium but could result in higher out-of-pocket expenses in the event of a claim.

5. Reputation and customer reviews: Research insurance companies and read customer reviews to gauge their reputation and level of customer service. Look for insurance providers with a track record of efficient claims processing and good customer support.

By considering these factors and comparing quotes from multiple insurance providers, you can choose a policy that offers the right balance of coverage and affordability for your trip to Nepal.

Common exclusions and limitations in travel insurance policies in Nepal

While travel insurance provides valuable coverage, it’s important to be aware of the common exclusions and limitations that may apply. Some common exclusions in travel insurance policies in Nepal include:

1. Pre-existing medical conditions: Many policies exclude coverage for pre-existing medical conditions, unless specifically stated otherwise or an additional premium is paid. It’s important to disclose any pre-existing conditions to the insurance provider and understand the terms of coverage.

2. High-risk activities: Adventure activities such as mountaineering, paragliding, and bungee jumping may be excluded from standard policies. If you plan to participate in these activities, ensure that your policy covers them or consider purchasing additional coverage.

3. Alcohol or drug-related incidents: Policies may exclude coverage for any accidents or incidents that occur due to the influence of alcohol or drugs. It’s important to act responsibly and avoid engaging in risky behavior while traveling.

4. Acts of terrorism or war: Some policies may exclude coverage for incidents related to acts of terrorism or war. It’s advisable to check the policy wording and understand the extent of coverage in such situations.

It’s crucial to thoroughly read the policy wording and ask the insurance provider about any specific exclusions or limitations that may apply. Being aware of these exclusions will help you make informed decisions and avoid any surprises when it comes to filing a claim.

Tips for filing a travel insurance claim in Nepal

In the unfortunate event that you need to file a travel insurance claim in Nepal, following these tips can help streamline the process and ensure a smooth experience:

1. Contact your insurance provider immediately: Notify your insurance provider as soon as possible after an incident or injury. They will guide you through the claims process and provide you with the necessary forms and documentation requirements.

2. Keep all relevant documents: It’s essential to keep all relevant documents, such as medical reports, police reports, and receipts for expenses incurred. These documents will be required to support your claim.

3. Follow the claims process: Familiarize yourself with the claims process outlined by your insurance provider and ensure that you provide all the necessary information and documentation within the specified timeframe.

4. Maintain detailed records: Keep a record of all communication with your insurance provider, including dates, names of representatives spoken to, and a summary of the conversation. This will help you keep track of the progress of your claim.

5. Seek assistance if needed: If you encounter any difficulties during the claims process, don’t hesitate to seek assistance from a professional, such as a travel insurance ombudsman or legal advisor.

By following these tips and being proactive throughout the claims process, you can increase the chances of a successful claim and a timely resolution of your travel insurance claim in Nepal.

Recommended travel insurance providers in Nepal

Choosing a reliable and reputable travel insurance provider is essential to ensure that you receive the necessary coverage and support. While there are several insurance providers in Nepal, here are some recommended options:

1. Nepal Insurance Company: This is one of the largest insurance companies in Nepal and offers a range of travel insurance plans tailored to different needs. They have a good track record of claims settlement and provide 24/7 customer support.

2. Sagarmatha Insurance Company: With a strong presence in Nepal, Sagarmatha Insurance offers comprehensive travel insurance plans with competitive premiums. They provide coverage for both individuals and families and have a network of hospitals and medical facilities across the country.

3. Shikhar Insurance Company: Shikhar Insurance is known for its customer-centric approach and efficient claims settlement process. They offer a variety of travel insurance plans that cater to different travel durations and requirements.

It’s important to compare quotes, read reviews, and consider the reputation and reliability of insurance providers before making a decision. Additionally, consult with a travel agent or seek recommendations from fellow travelers who have previously visited Nepal.

Additional considerations for adventure activities and trekking in Nepal

Nepal is a popular destination for adventure enthusiasts and trekkers. If you’re planning to engage in adventure activities or trekking, there are a few additional considerations to keep in mind:

1. Specialized coverage: Some insurance providers offer specialized adventure sports or trekking insurance policies that provide coverage for high-risk activities. These policies may include emergency rescue, helicopter evacuation, and coverage for mountaineering expeditions.

2. Altitude sickness coverage: Altitude sickness is a common concern for trekkers in Nepal. Check if your travel insurance policy covers medical expenses related to altitude sickness, as treatment and evacuation in such cases can be expensive.

3. Guide and porter insurance: If you’re hiring a guide or porter for your trek, ensure that they have adequate insurance coverage. This will provide an extra layer of protection in case of any accidents or emergencies during the trek.

4. Read the fine print: Carefully read the policy wording to understand any limitations or conditions associated with adventure activities or trekking. Some policies may have altitude restrictions, time limits, or specific requirements for coverage.

By considering these additional factors and obtaining the necessary coverage for adventure activities and trekking, you can enjoy your experience in Nepal with peace of mind.

Conclusion: The importance of travel insurance and peace of mind while traveling to Nepal

As you embark on your journey to Nepal, it’s crucial to prioritize your safety and well-being by having adequate travel insurance coverage. The unpredictable nature of travel and the potential risks involved make travel insurance an essential investment.

By understanding the types of coverage available, comparing quotes from reputable insurance providers, and being aware of common exclusions and limitations, you can choose a policy that suits your needs. Additionally, following the tips for filing a travel insurance claim and considering specialized coverage for adventure activities and trekking will ensure a worry-free experience in Nepal.

Remember, travel insurance provides not only financial protection but also peace of mind. With the right coverage, you can fully immerse yourself in the beauty of Nepal, explore its diverse landscapes, and create unforgettable memories, knowing that you’re prepared for any unforeseen circumstances that may arise.

So, pack your bags, secure your travel insurance, and get ready for an adventure of a lifetime in Nepal!

Recommended Travel Insurance for Nepal Tour, Trek and Climbing

Arjun pandey.

• Last Updated on Nov 21, 2023

An effective form of protection for overseas travel is travel insurance, which insures against monetary losses related to travel. When unanticipated events like illness, injury, accidents, delayed flights or other forms of transportation, and other problems arise, travel insurance can help cover the financial losses. 4%–10% of the cost of a trip is spent on this insurance. Thus, the cost of trip insurance for a $10,000 vacation could range from $400 to $1,000.

For everyone wishing to travel to Nepal with Green Valley Nepal Treks, travel insurance is necessary. Both emergency medical evacuation and medical costs must be covered by the travel insurance. It is recommended that the minimum value of your insurance be USD 100,000.

The Himalayas are breathtaking, but there are serious risks involved. When traveling, it's vital to be prepared for any unforeseen risks that can arise. Travel insurance services are available online from a number of insurance providers. At your convenience, you have access to a large selection of insurance providers. The risk of minor health problems, accidents, and—above all—altitude sickness is always present, especially when trekking in Nepal .

In the event of serious accidents or severe alpine sickness, you must select an insurance plan that includes the expense of a helicopter rescue from the mountains. The only means of escape from the highlands in such dire situations involving an emergency evacuation is via a helicopter service. This comprises a rescue squad for both aerial rescue and land evacuation. For this reason, in order to pay for the cost of helicopter services and your evacuation from the Himalayas, we need proof of travel insurance.

Therefore, before you book your trip with Green Valley Nepal Treks, confirm that your travel insurance from a reputable insurance provider covers all of the expenses listed above.

Table of Contents

How travel insurance works in nepal.

When you book your trip, lodging, or vehicle, travel agencies, travel suppliers (airlines, cruise lines), private insurance firms, or insurance brokers may all sell travel insurance online.

Usually, you'll buy coverage soon after making your first reservations for activities, hotels, flights, and other modes of transportation. You might have to comply with certain policies in order to continue receiving full coverage. These are some terminology related to travel insurance that you should understand.

Primary and Secondary Coverage of Travel Insurance

Purchasing travel insurance may result in concurrent insurance coverage, which entitles you to coverage under multiple policies. When travel insurance is primary, it pays out first, eliminating the need for you to file a claim with a different carrier and maybe saving you money on higher policy premiums. You must first try to make a claim with another insurer, such as your own auto insurance (damaged automobile) or an airline (lost baggage), if the travel insurance is secondary.

Coverage Requirements of Travel Insurance for Nepal Treks and Tours

Usually, there are requirements that specify your eligibility for coverage. Your claim needs to fit within the available coverage categories. For example, personal belongings, prescription drugs, credit cards, and your passport or visa may all be covered by lost baggage insurance. In order to be eligible for coverage, you might also need to take additional actions, such as notifying the police of the theft or loss.

Policy Coverage Limits or Travel Insurance for Nepal Trip

This is the most money you will be compensated for the claim. For instance, you might only get paid $500 for each bag. Even more might not be given to you for pricey things like jewelry or electronics. For purchases over a particular threshold, you can be required to produce receipts. The insurance may only cover repairs in the absence of receipts.

A deductible, or fixed amount, may be required by some coverage before the remaining portion of your claim is paid up to the limit.

These are the circumstances in which the loss will not be covered by your plan. Every policy is unique. For instance, losses brought on by animals might not be covered by your luggage damage policy. Bicycles, tickets, hearing aids, and other medical equipment, as well as anything seized by law enforcement or customs officials, could not be covered.

Pre-existing conditions could not be covered by travel medical insurance, or they might only be if you purchase a plan within a week or two after reserving your vacation.

Reasons for Purchasing Travel Insurance for Nepal Trip

Travel insurance for trekking and hiking in nepal.

Purchasing travel insurance is strongly recommended for any trekking or hiking excursions in the Himalayas. The countryside offers less danger and is generally more comfortable for hiking. However, common illnesses like hypothermia, skin infections, and stomach problems are more common at higher altitudes and in isolated locations, along with a high risk of Acute Mountain Sickness.

Make sure your insurance covers the cost of a helicopter rescue and evacuation, including medical fees and trip cancellation, if you plan on trekking in Nepal.

Travel Insurance for Peak Climbing in Nepal

Compared to other outdoor hobbies, peak climbing, and expedition travel are seen as riskier pursuits. As you ascend above 6,000 meters, there is a substantial chance that you will get hurt because of a number of factors, including low visibility, high heights, and extremely high temperatures. It is consequently important to have insurance for peak climbing that covers emergency medical evacuation, helicopter evacuation, repatriation, and trip cancellation.

Other Outdoor Activities in Nepal

Traveling can be risky, even while outdoor activities can be enjoyable. Even though outdoor activities are generally low-risk in Nepal, unanticipated events can incur significant costs.  In that regard, having travel insurance is essential for outdoor activities; however, unlike peak climbing and trekking, advanced travel insurance is not always necessary for outdoor activities. For example, helicopter rescue is not always required for city tours covered by travel insurance.

Types of Insurance Coverage for Nepal Trip

Comprehensive travel insurance.

Many different kinds of coverage are combined into one plan by comprehensive travel insurance. Comprehensive travel insurance typically includes medical expenses and medical evacuation coverage in addition to a 24-hour helpline for finding doctors or getting aid in an emergency. It also usually includes reimbursement for trip cancellation, interruption, and delay, baggage loss, and delay.

Alternatively, you can buy every kind of coverage separately. This can be a good idea if you can often cover your losses or if you currently have coverage from another insurance.

Trip Cancellation or Interruption Coverage

This insurance is available in the following formats and reimburses a traveler for all or part of their pre-paid nonrefundable travel expenses:

• Trip Cancellation: Pays back your prepaid travel costs in the event that you are unable to travel for a prearranged cause.
• Travel Delay: Pays you back for costs incurred if there is a delay that prevents you from traveling.
• Trip Interruption:  This covers your travel expenses in the event that your trip must be shortened.
• Cancel For Any Reason (CFAR): Usually more expensive than the other options mentioned above, this option reimburses you for a portion of the expenditures if you need to cancel the trip for any reason.

A provider's permitted reasons for cancellation or interruption and the amount of payment differ with the majority of the aforementioned. A claim may be justified for any of the following reasons:

• Your illness
• Illness or death in your immediate family
• Sudden business conflicts
• Weather-related issues
• Legal obligations such as jury duty

In order to register a claim for a cancellation owing to financial default, terrorism in the city of your destination, or work-related reasons, you might have to pay more or fulfill more requirements.

Damage and Baggage Losses Coverage

Travelers frequently experience baggage and personal goods being lost, stolen, or damaged. This can rapidly ruin a trip as you have to shop for replacements. Coverage for baggage and personal items guards against misplaced, pilfered, or destroyed possessions when traveling to, within, and out of a location.

Nevertheless, a lot of travel insurance plans only cover personal items once you've used up all other possible claims. Many limitations and exclusions may apply to baggage coverage, such as the $500 maximum per item and the $250 maximum for each extra item. By paying extra, you might be able to change the amounts, compare different coverage options, or raise the limitations.

For instance, if the airline is at fault for missing or damaged luggage, the insurance might not cover it. In the event that an airline makes a mistake and your luggage is lost or destroyed, most carriers, including airlines, will refund you. Nevertheless, there can be restrictions on the amount of compensation; therefore, extra protection is offered by the baggage and personal effects coverage.

Rental Insurance

Costs resulting from unintentional damage to a vacation rental property are covered by insurance. To help with expense reimbursement in the event that you are unable to use your vacation rental, several plans also provide trip cancellation and interruption benefits. The following are a few possible explanations:

• Lost or stolen keys
• Unsanitary or unsafe vacation property
• Vacation rental wasn't as advertised
• The company oversold your vacation rental

In replacement of your own auto insurance policy or the collision damage waiver (CDW) offered by the rental company, rental car insurance covers damage or theft to a rental automobile while traveling. Different policies may cover theft, vandalism, crashes, and other situations. In addition to your personal auto insurance, you might also get rental car insurance. Nevertheless, it excludes your legal obligation and responsibility for any harm or damage you cause to other people.

Travel Health Insurance

Medical insurance can assist with unforeseen foreign medical and dental costs as well as with finding foreign medical professionals and facilities. Coverage varies according to provider and cost, just like with other policies.

• Foreign travel medical coverage: These policies cover medical expenses resulting from illness and injury sustained while traveling, and they can last anywhere from five days to a year or more.
• Medical Evacuation: This may include medical evacuation for treatment as well as airlift transportation to a hospital.

Before acquiring insurance, find out if it extends coverage outside of the nation by speaking with your present health insurers. If you are sick or hurt while traveling, the majority of health insurance carriers cover "customary and reasonable" hospital bills; however, few will cover the expense of a medical evacuation.

Accidental Death and Dismembership (AD&D) Coverage

An AD&D policy compensates you or your surviving beneficiaries with a lump sum payment in the event of a significant injury or death caused by an accident. Three sections are typically provided by the insurance, covering both accidents and fatalities:

• Flight accident insurance: Occurs when traveling on a commercial aircraft with a license.
• Common carrier: Originating from using public transit like buses, trains, or ferries.
• General travel: Taking place at any time when traveling.

Possible exclusions include death from illness or drug overdose. Furthermore, certain injuries—namely, those to the hand, foot, limb, or eyes—might not be covered. Each injury has a set of specified quantity limits.

You may not need accidental death coverage if you currently hold a life insurance policy. That being said, your life insurance policy may also pay benefits, so your beneficiaries will receive additional money from your travel insurance coverage.

Other Travel Insurance Coverage

The following categories of travel insurance may be added to your plan or package, depending on what you choose:

• Identity theft resolution services
• School activity coverage
• Destination wedding coverage
• Adventure sports coverage
• Pet health as a reason for cancellation or delay
• Hunting or fishing activities as a reason for cancellation or delay
• Missed flight connections

How to Get Travel Insurance for Nepal Trip?

The price, coverage, and exclusions of travel insurance vary. There is coverage for annual, multiple, and single travel. You must complete an application for travel insurance with information about your trip, including the following:

• Travelers going
• Destination
• Travel dates
• Date of first payment toward your trip

The insurance provider evaluates the data in accordance with underwriting standards to determine the cost and terms of policy issuance. If your application is approved, the business will provide you with a travel insurance policy. You can apply with another insurance provider if your application is denied by the company.

You usually have ten to fifteen days after receiving your policy to check the fine print in the contract. You can return the policy for a refund if you're not happy with it. Examine the papers to make sure the plan you bought covers the following and doesn't have too many loopholes:

• Emergency medical care and transport back to your home town.
• High enough limits to cover your costs or damages
• The destination you're traveling to
• Your trip duration or number of trips
• All activities you plan to enjoy
• Preexisting conditions and people of your age

Take note of any exclusions as you read through. For instance, the kinds of property insured, if the airline is responsible for losing or damaging property, and the extent of such coverage.

Recommended Travel Insurance Companies

Holidays that are successful and stress-free are impossible without adequate insurance. Please be sure the insurance plan you select covers all of the activities you want to conduct. The insurance you purchase for a climbing adventure is not the same as the insurance you get for a trek.

For Travelers from the USA

• Travelex Insurance
• World Nomads /Tripmate USA
• Travel Safe Insurance
• Blue Cross Blue Shield
• Severn Corner

For Travelers from England

• Specialty Group (UK) Limited
• FirstAssist Services Limited
• Harrison Beaumont
• Buy cheap travel insurance

For Travelers from Canada

• RBC Travel Insurance
• TuGo Travel Insurance
• Can Assistance
• TIC Travel Insurance
• Allianz Canada

For Travelers from Europe

• Fedmi Spain
• Europ Assistance (All European)
• Allianz Travel Insurance (Germany, Switzerland)
• Hens Merkur ( Germany )
• Uniqa Insurance (Austria)
• Dog Tag (UK)
• Alpineverein ( Austria, Germany)
• British Mountaineering Council (BMC)

For Travelers from Australia and New Zealand

• Allianz Travel Insurance
• Budget Direct Travel Insurance
• 1 Cover Travel Insurance (New Zealand)
• Aussietravelcover
• Fast Cover New Zealand
• CGU Insurance Limited

For Travelers from Asia and the Middle East

• Clal Insurance (Israel)
• Mitsui Sumitomo Insurance (Japan)
• Life Card Travel Insurance (Japan)
• Sompo Insurance (Japan)

For Travelers from South Africa

• Travel Insurance Consultants

Disclaimer : This recommended insurance company list is crafted after interviewing our clients regarding the best companies for travel insurance.

Final Thoughts

Travel insurance primarily comes in four forms: medical expense, baggage and personal effects, medical cancellation or interruption, and accidental death or aircraft accident. Make sure you have coverage through your credit card, your own health or auto insurance, or both before purchasing a policy.

We recommend that you thoroughly research the plan and make sure the policy best suits your trip before purchasing travel insurance. You can provide a duplicate of your insurance evidence to your family for future use, and you should always have it with you. If you have any inquiries concerning travel insurance, you can get in touch with Green Valley Nepal Treks Team.

• Winter Trek in Nepal
• Weather in Nepal
• Trekking Equipment
• Nepal Hiking
• Hiking in Nepal
• Climbing in Nepal
• Best Tour in Nepal
• Altitude Sickness
• Adventure Tour

Arjun Pandey was born in Gorkha, in the midwestern part of Nepal, the famous region of the Manaslu Trek. Arjun also has a wide experience and knowledge of conducting trek programs in the Himalayan regions, such as Everest, Annapurna, Langtang, Mustang, Manalsu, Kanchenjunga, and Dhaulagiri, among others. He also has experience with peak climbing programs on Himalayan peaks such as Island, Mera, Lobuche, and Chulu, as well as other Himalayan peaks below 7,000 meters. Arjun's specialty also covers trek and tour programs in Tibet and Bhutan. 

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Keeping in mind growing need of medical insurance for Nepalese going overseas, Prabhu has come up with ‘ Prabhu Travel Insurance Policy ‘ – This insurance is intended to cover the insured in the event of sudden and unexpected sickness or accident arising when he is abroad and also loss of checked baggage, passport and public liability by means of extension the policy.

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Travel insurance is very important for anyone commencing a trip, especially those going to rural and tough destinations in  Nepal. Travel insurance provides financial and mental peace of mind in the event of unpredictable events such as medical emergencies, trip cancellations, and lost or stolen luggage.

It is highly advised that visitors/trekkers traveling to Nepal to explore the city and as to trek in the remote mountain region, buy travel insurance for a compensation scheme for adventure sports and high-altitude trekking. It is important to carefully examine the policy and ensure that it covers all of the activities that the client aims to participate in such as trekking, day tours, rafting, and many more during the stay in Nepal.

Nepal is known as the country of the mountains, so while trekking in the high elevation. You might unpredictably get injured and suffer from acute mountain sickness. The Acute Mountain sickness gets active from a height of 2500M (8,202ft).

Our field staff possess extensive experience of knowing the mountains and are well trained in wilderness first aid treatment, as to treatment during the trekking in the mountains.

The birthplace of Buddha Nepal is a safe destination to travel but sometimes due to the lack of security and the political instability in the Country, you may face unpredictable consequences on your fruitful trip.

From our side, we strongly suggest that travelers get travel insurance from their host country which fully covers all their medical, and rescue expenses, altitude sickness, illness, and the losses of the baggage during the trip in Nepal.

Your travel insurance should be submitted to the registered trekking company in Kathmandu, which will help you to be rescued from the mountains. If you get some illness, emergency situations, or altitude sickness.While, if you are traveling and trekking with Blue Lake Adventure, we will accompany you with the full comfort of rescue Heli service during emergencies in high-altitude in the Mountains.

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Travel Insurance For Trekking In Nepal – What You Need (And What You Need To Know)

No one likes to play ‘worst case scenario’, but when it comes to hiking, there are certain risks involved. Taking out good travel insurance for trekking in Nepal is a small price to pay for peace of mind.

Unlike standard travel insurance. Trekking insurance is a specific type of cover for people who are exposed to high altitudes, avalanches, and adventure-related mishaps in a foreign country.

In this guide, I’ll talk about why you need trekking insurance and what it should cover. I’ll also put you on to some of the best international trekking covers as trusted by adventurers around the world.

Do You Need Travel Insurance For Hiking In Nepal? 

Travel insurance is not mandatory, but many Nepal trekking companies will request that you have hiking insurance to join their tours. Most agencies recommend that you are covered for a minimum of $100,000 plus emergency medical evacuation.

It might seem like an unnecessary use of precious travel funds but insurance is one of those things it’s better to ‘have and not need' than  to 'need and not have’. Even if it’s not strictly required, I wouldn’t leave home without at least a basic cover policy.

Risks While Trekking In Nepal

Altitude sickness.

High altitude sickness, also known as acute mountain sickness (AMS), is a common condition that can affect trekkers and climbers. It is hard to say exactly who will be affected by AMS but its usually seen in those who ascend to high altitudes too quickly without proper acclimatization .

Many trekking routes in Nepal involve hiking to high elevations with a risk of altitude sickness. Hikes in Nepal that pose a risk of high altitude sickness include Everest Base Camp , Annapurna Circuit trek , Langtang Valley hike and Manaslu Circuit . All of these have passes and viewpoints 5000m (16, 400 ft) or above.

Symptoms of altitude sickness can range from mild to severe. These may include headaches, nausea and shortness of breath. In severe cases, altitude sickness can lead to life threatening cerebral or pulmonary edema .

Trekking Accidents

It’s not worth over-stressing about it but accidents in the mountains and on hiking routes can and do happen. Even small injuries like a sprain or pulled muscle can be a big problem on a trek.

High altitudes can cause you to feel dizzy and disorientated, this increased the risk of accidents. The high altitudes also worsen existing health problems including any heart or respiratory issues.

Also keep in mind that you will be in a foreign country and the healthcare system may be a little different to what you are used to. It’s better to have insurance that will cover the best possible hospital care and relocation back to your own country if necessary.

Although the risk of an avalanche or landslide is rare, these do happen on hiking routes in Nepal. During the cold months (December to February) the risk of avalanches is typically highest. Avalanches are also frequent in the spring (March to May) as ice packs start to melt.

According to the  Nepal National Mountain Guide Association  (NNMGA), avalanches in Nepal cause an average of 12 deaths per year. In 2015, a massive earthquake triggered an avalanche on Mount Everest. This freak accident killed 19 people at the Everest Base Camp (admittedly all of them were climbers, not hikers).

What Should Your Trekking Insurance Cover?

As previously mentioned, accidents are always a risk while hiking. This is even more so at high altitudes. Your Nepal trekking insurance should be enough to cover hospitalization and treatment in a worst-case-scenario.

Evacuation By Helicopter

If something does go wrong in the mountains, your only exit option is by air. If you have to pay out of pocket, a helicopter evacuation will cost anywhere from $2000.

According to a 2020 published paper , between 2016 & 2017, a single hospital in Nepal (CIWEC hospital) received 1,354 helicopter evacuated patients. The vast majority of these patients were from the Everest region. Some of these evacuations were probably an over-reaction. Still, its obviously a risk worth considering.

Cover for helicopter rescue is especially vital for peak climbing. It is an important factor when calculating the cost of climbing Everest and other 8000ers.

Baggage Loss Or Theft

Imagine getting to Nepal only to find your trekking boots did not make the trip. Stolen, lost or delayed gear could ruin your whole adventure. Make sure your insurance covers baggage (and will pay out fairly quickly) so that you can afford to replace what you need and get going again.

Expenses For Delayed And Cancelled Flights

Natural disasters and weather are beyond our control. This doesn’t mean you can’t plan ahead for unwanted situations. Flights in Nepal can be canceled or delayed for days (even weeks) due to bad weather. Good travel insurance should cover unforeseen expenses including accommodation while you wait for rescheduled flights.

General Health Cover

Insurance is not only for trekking. For one thing, Asia's local food does not agree with everyone! A good plan should cover doctors' appointments and prescribed medicine (whether for flu, COVID or an upset stomach). Most travel insurance will also cover limited dentistry work.

Why Is Travel Insurance For Nepal So Expensive?

There are a lot of travel insurance products on the market at an equally wide range of prices. It’s tempting to go with a cheap option. Although there are some decent choices available, the low-budget insurance plans will not cover what you need for high-altitude trekking in Nepal.

Over recent years, Nepal has seen a steep increase in tourist numbers. There has also been an exponential increase in the number of claims for helicopter rescues. Not all of these claims have been legit. There have been several scams where rescue companies paid travelers to claim for unnecessary (or non-existent) helicopter services.

Understandably, this has made many travel insurers hesitant to include air rescue in their cover. Those that do, price their policies accordingly.

Best Travel Insurance For Trekking In Nepal

I am by no means an insurance expert. These recommendations are based on my own experience with insurance companies and those of travelers I’ve met along the way. You should always read the policy fine print and ask a ton of ‘what if’ questions before signing up for insurance. 

1. World Nomads

For years, World Nomads has been our number-one pick for travel insurance. They offer emergency evacuation and medical assistance for trekking in Nepal. This insurer provides all aspects of cover including baggage and repatriation in the event of an accident and trip delay cover (including weather-related delays). World Nomads is also an excellent choice for remote workers as they cover equipment including cameras and laptops.

2. Allianz Travel Insurance

Allianz has been around for years. They are professionals in all types of insurance including travel cover. Alianz Travel sells a range of plans depending on what type of benefits you want to include.

3. Travelex Insurance Services

Travelex is another reliable insurer. They cover all types of international trips and have specific packages for backpacking and long term travel. You can select from different, upgradable cover plans so you will only pay for what you need. Most of their plans cover emergency medical evacuation and travel delays.

About the author 

Alison Macallister

With a degree in Nature Conservation and experience working with wildlife including the Big 5, Alison used to work as a guide for a 5-star safari reserve in South Africa. Today she is a full time traveller and editor for Mountain IQ. She has travelled and hiked extensively in South America, including many solo hikes in Patagonia, the Cusco region of Peru, Ecuador and Chile.

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Travel Medical Insurance

All Nepalese citizens travelling to foreign countries for business and entertainment can take this insurance. People from foreign countries and living in Nepal for a long term can also take this insurance provided their travel begins from and terminates in Nepal.

This insurance can be taken under two plans. Plans are defined as below: Plan A: Medical Expenses + Personal Accident Cover (A-C) Plan B: Package Cover (A-N)

The benefits under this insurance is as follows: A: Personal Accident B: Medical and Emergency Expenses C: Hospital Ancillary Benefit D: Loss of Checked Baggage E: Delay of Checked Baggage F: Loss of Passport G: Personal Liability H: Travel Delay I: Hijack J: Cancellation & Curtailment. K: Emergency Return Home following Death of a Close Family Member L: Catastrophe M: Legal expenses N: Repatriation of family members travelling with participants

The benefit under different geographical areas is defined as below: Area 1 : Worldwide including USA & Canada – It provides benefits A-N under Plan B Area 2 : Worldwide excluding USA & Canada – It provides benefits A-N under Plan B Area 3 : Asian countries (Macau, Cambodia, China, Indonesia, Laos, Malaysia Mongolia,  Myanmar(Burma), Philippines, South Korea, Taiwan, Thailand, Timar-Leste, Vietnam, Japan, Singapore, Hongkong )– It provides benefits A-I under Plan B Area 4 : SAARC Countries(India, Bangladesh, Maldives, Bhutan, Sri Lanka, Pakistan & Afghanistan)- It provides benefits A-B under Plan A. Plan B is not applicable for this area.

Issued Date: 1963-03-23

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Nepal Visa- Obtain Travel Insurance Online

Nepal visa for indians.

Nepal is a diverse country that attracts thousands of visitors to its shores every year for a range of reasons. While trekkers find it ideal to scale the mighty Himalayas, a mere walk along the bylanes of Kathmandu is sure to fill any traveller with intrigue and awe due to the rich culture and tradition of the country. Many Indians travel to Nepal every year to experience the famous Nepalese hospitality, get the adrenaline rush of scaling the Himalayas, or simply seek a spiritual awakening.

If you are planning a trip to the Land of Mountains, Nepal, it is important to think about all the necessary paperwork and documentation that you would need to make it a memorable experience. First, ensure that your passport is valid and will remain valid for the duration of your stay. Second, make sure that you look up the visa requirements for Indians entering Nepal. Third, ensure that you buy a travel insurance plan designed for Nepal.

Tata AIG offers a comprehensive international travel insurance policy at highly affordable rates. These policies offer coverage for medical and non-medical exigencies and ensure that you travel worry-free. Further, Tata AIG has a simple claim settlement process and a high claim settlement ratio. As a traveller, make sure that you compare travel insurance providers and plans to find the best one for your needs.

Nepal Visa Requirements for Indians

In 1950, the India-Nepal Treaty of Peace and Friendship was signed between the two countries which allowed the free movement of goods and people between them. While citizens from all countries require a Nepal tourist visa, India is the only country that has no such requirement. Indians can enter Nepal without any visa provided they have the right credentials issued by the Indian Government. Hence, Indians don’t need to worry about the Nepal Visa application before visiting the country.

Is there a Nepal Visa on Arrival for Indians?

Due to the peace treaty between India and Nepal, there is no requirement for a visa for an Indian citizen to travel to Nepal. Hence, there is no visa on arrival for Indian travellers. This means that you don’t have to budget for the Nepal Visa fees for Indian citizens too. Indians can travel to Nepal using their passport and valid Voter’s ID/Election card. In fact, according to Article 7 of the treaty, Indians can reside in Nepal without any restrictions too.

Documents Needed by Indians to Travel to Nepal?

Since there is no visa for Indian citizens, the Nepalese Immigration Department will want to see a valid document that proves the nationality of Indian travellers.

If you are travelling by air, then you need to submit one of these two documents as proof of your identity:

• Valid Indian Passport
• Valid Voter’s ID Card issued by the Election Commission of India

It is important to note that other Government-issued identity documents like Aadhaar Card, PAN Card, Driving Licence, etc. are not accepted for travel to Nepal.

Things to Know Before Travelling to Nepal from India by Road

You can drive your two or four-wheeler to Nepal from India. You will need the Registration Certificate of your vehicle, a valid driving license, and the necessary permits.

Here are some things that you need to know about the entry of registered vehicles in Nepal:

• Vehicles registered in India are allowed to stay in Nepal for 30 days a year
• When you enter Nepal, you will have to buy a pass for the number of days you intend to stay in the country
• You can tour Nepal for one day without paying any customs duty by obtaining a Day Pass at the border. However, if you opt for a Day Pass, then you must ensure that you return to India on the same day and return the Pass to Nepal Customs
• The charges per day can vary between ₹100 and ₹500 per day depending on the type of vehicle
• In case of any unplanned extension of stay, make sure that you approach the closest Nepal Customs Office and apply for an extension

Do I Need Travel Insurance for Nepal?

According to immigration rules, Indians do not need to mandatorily have a travel or medical insurance policy for visiting Nepal. However, Nepal offers a range of activities to travellers. Most Indians travelling to Nepal are amazed by the diversity and similarity in culture and landscape. Hence, they tend to take many short trips to explore this Land of Mountains. However, this also exposes them to various risks of accidents and loss of baggage or documents. Such incidents can disrupt their travel plans and cost money. This is where a travel insurance policy for Nepal helps.

When you buy a Nepal travel insurance plan, you get coverage for medical emergencies like illness and injuries, and non-medical emergencies like flight cancellations, delay/loss of baggage, hotel booking cancellations, etc. However, it is important to remember that there are many insurance companies offering a range of international travel insurance plans. Hence, make sure that you compare providers and plans and choose the one that offers the best protection for your travel plans. Tata AIG offers a Nepal travel insurance policy that offers comprehensive coverage at highly affordable prices. Our travel insurance offer financial protection to you and your co-travellers during emergencies, medical or otherwise.

Here are some of the benefits offered by the Tata AIG Nepal Travel Insurance plan.

• Non-medical Trip Cover

With Tata AIG’s travel insurance plan for Nepal, you get coverage for a range of non-medical exigencies like the loss of your documents including your passport, the cancellation of hotel bookings or flights, etc.

• Delay/Loss of Baggage Cover

During international travel, delayed or lost baggage is a common occurrence. The travel insurance plan for Nepal offered by Tata AIG offers reimbursement for the approved expenses if your baggage is lost or delayed in transit.

• Medical Coverage

The plan offers coverage for any illness or injury due to an accident during your stay in Nepal. Travellers can also receive financial assistance if they test positive for the Covid-19 virus during the trip.

• Other benefits
• Comprehensive coverage at affordable premium rates
• A simple and hassle-free buying process without the need for a comprehensive medical check-up
• Payment of the premium in INR and coverage in USD

Travelling To Nepal – Post-COVID Restrictions

As of 19 June 2023, all passengers travelling to Nepal by air or land no longer require proof of COVID-19 vaccination (vaccine certificate) OR a Negative PCR test report of COVID-19. You can view the circular here .

These guidelines are subject to change based on current world events, so be sure to check Nepal’s official Department of Immigration website for any notices posted about COVID-19.

Entry Information for Indian citizens Travelling to Nepal

Here is some essential entry information if you are planning to travel to Nepal from India:

• A valid Indian passport that has not been issued more than 10 years ago and is valid for a minimum of six months from your date of arrival in Nepal; or
• A valid Voter’s ID Card issued by the Election Commission of India

Nepal Travel: Safety and Precautionary Measures to be Undertaken

• Ensure that you keep your belongings safe at all times. Make sure that important documents like your passport are kept in a secured manner
• Nepal is prone to various natural disasters like landslides, avalanches, rock falls, and earthquakes. Make sure that you listen to weather warnings and keep someone informed of your daily travel plans at all times
• If you are planning to undertake trekking or other adventure activities, then make sure that you research the adventure company thoroughly before signing up.
• Beware of pickpockets while using public transport services, bars, and restaurants
• Road conditions are not excellent throughout Nepal. Avoid travelling in overcrowded buses or overnight journeys through mountains
• Be aware of and respect the country’s laws and regulations.
• Make sure that you leave the country on or before the date of expiry of your visa
• Avoid participating in any illegal activities
• Understand the culture of the country and ensure that you maintain public decorum
• Avoid travelling to unfamiliar or remote areas, particularly during the night.
• Make sure that you purchase a comprehensive Nepal travel insurance policy to safeguard against any untoward incidents

The Indian Embassy in Nepal

The Indian Embassy in Nepal is located in the capital city of Kathmandu.

Address : Embassy of India, Kapurdhara Marg 336, Kathmandu 44600, Nepal

Ambassador : His Excellency Mr Naveen Srivastava

Contact details of the Embassy :

• Website: https://www.indembkathmandu.gov.in
• Email: [email protected] , [email protected] ; [email protected]
• Telephone number: (+977) 1- 4411425/ 4426241; 9851107022/ 9851107021/ 9851107006 (24x7): +977-1-4411466, +977-1-4440563, +977-1-4411751 (for Consular/Passport related queries).
• Working hours: Monday to Friday from 9 am to 5.30 pm

International airports in Nepal

Here are the major international airports in Nepal:

• Tribhuvan International Airport;
• Gautam Buddha International Airport;

Currency and Foreign Exchange

The currency of Nepal is the Nepalese Rupee. You can exchange the Indian Rupee for the Nepalese Rupee with ease in the country. In fact, many shops and establishments accept the Indian Rupee with ease.

Nepal Tourist Places

Nepal is surrounded by India on three sides and is spread across an area of around 147,181 square kilometres. It has diverse geography ranging from plains, sub-alpine forested hills, and eight out of the world’s ten tallest mountains including Mount Everest.

Travelling across Nepal will offer a range of experiences including the adrenaline-pumping treks to the soul-soothing meditation camps. If you are planning to visit Nepal, the following places must be on your bucket list.

1. Kathmandu

The capital city of Nepal, Kathmandu is probably where every traveller lands first before exploring the rest of the country. Kathmandu offers an amazing blend of old structures and statues with the new-age hustle of life.

It houses Durbar Square, a UNESCO World Heritage Site, and the famous Pashupatinath Temple on the banks of the Baramati River. You can also visit popular Buddhist shrines like Boudhanath and Swayambhunath. The street food in Kathmandu is undeniably one of the best you will find in Nepal.

This is the second-largest city in Nepal and is surrounded by famous mountain peaks – Annapurna-I, Dhaulagiri, and Manaslu. It is known as the gateway to the Annapurna Circuit.

This mesmerizing town houses Lake Phewa with its surreal blue waters with the mighty Himalayas as the backdrop. You can also visit the Chamere Gufa – a bat cave and Mahendra Caves to experience the ecological wonders of the region.

3. Sagarmatha National Park

This is one of the best places to visit in Nepal. It is a UNESCO World Heritage Site that is known for the conservation of its unique flora and fauna. You can find snow leopards and red pandas in this region. It brings you closer to Mount Everest and is popular among trekkers and nature enthusiasts alike.

**4. Lumbini **

The birthplace of Buddha, Lumbini is a must-visit place in Nepal for its serene and calm environment and rich history regarding the birth and life of Buddha. You can visit the Maya Devi Temple which is constructed at the place where Buddha was believed to be born and the World Peace Pagoda among various other monasteries, lakes, and gardens in the town.

A small hilltop village at a one-day drive from Kathmandu, Nuwakot is one of the most unique places to visit in Nepal. It literally translates to nine forts with a central attraction called the Nuwakot Durbar – the erstwhile trade gate between India and Tibet.

Places To See And Things To Do In Nepal

Here is a list of places to see and things to do during your trip to Nepal:

Trekking – Nepal is a paradise for trekking enthusiasts. You can choose from a range of options including:

• Everest Base Camp Trek
• Annapurna Base Camp Trek
• Ghorepani Poon Hill Trek
• Mardi Himal Trek
• Langtang Valley Trek
• Manaslu Trek
• Upper Mustang Trek, etc.
• View the sunrise from Sarangkot
• Experience river rafting on the Trishuli River
• Zip flying in Pokhara
• Mountain biking in Pokhara
• Immerse in the sacredness at the Pashupatinath Temple
• Witness the magnificence of Tibetan culture at Boudhanath Stupa
• Take a wildlife safari at the Chitwan National Park
• Go for a serene boat ride on the Phewa Tal Lake
• Opt for bungee jumping at Hemja, Pokhara
• Explore the Tea Gardens in Ilam
• Try your Luck at the casinos in Kathmandu
• Take a Cable Car Ride to the Chandragiri Hills
• Take a helicopter tour of Mount Everest

If you are planning a trip to Nepal, then make sure that you plan it carefully. Also, ensure that you calculate India to Nepal travel costs and include the cost of buying a comprehensive Nepal Travel Insurance policy.

At Tata AIG, we offer one of the best travel insurance for Nepal Indians to help you tour the country without worrying about managing exigencies.

Information last updated Sep 22. While this information is sourced reliably, visa requirements can change. For the most current visa details, visit the official Consulate/Embassy website.

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Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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How can i get a nepal visa online as an indian.

Indians do not need a visa to travel to Nepal. The 1950 Peace and Friendship Treaty between India and Nepal, allows the free movement of goods and people from both countries. Hence, you can visit Nepal without having to apply for a visa.

However, ensure that you carry a government-issued identification document that establishes your identity with you. The two documents accepted by Nepal are a passport and a Voter’s ID card issued by the Election Commission of India.

How much should I pay for a Nepal Travel Insurance plan?

The premium of the Nepal Visa for Indians policy depends on a range of factors including the sum assured and your duration of stay in the country. Before you leave, make sure that you choose the right sum assured and features that are in sync with your travel plans.

Is a visa required for Nepal from India?

No, Indians do not require a visa to travel to Nepal. They can enter the country by providing proof of their nationality like their passport or Voter’s ID Card.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .