Choosing the right travel insurance for Nepal can be confusing but it’s also an important decision. It’s mandatory and highly recommended to get Travel insurance before embarking on any adventurous trips in Nepal with White Himalayan Adventure Treks.
We advise all our clients to get travel insurance that covers Medical evacuation insurance and Travel protection. Medical evacuation insurance is a must when travelling at high altitudes in a remote part of the world where there are no other means of transportation available in case of the occurrence of AMS (Acute Mountain Sickness) or any other reasons in high altitudes. Similarly, Travel protection is highly recommended to protect your travel investment from unforeseen circumstances that may occur during or before your trip. Emergency Medical Evacuation,Travel protection (Cancellation/Interruption), Medical expenses, Baggage loss & delays, and Death & Repatriation are also other important factors to include when purchasing your Insurance. It is advisable to review carefully the insurance and its coverage before making the final decision. Carry proof of your insurance with you on the holiday and leave a copy next to your kin. You must ensure that your insurance provides an adequate level of protection and covers you for the activities involved.
Below you will find some information and recommendation that might help you in getting your insurance sorted before you embark on your adventure.
First thing first
If you have an annual policy, household insurer or an existing health insurance company, check with them first if they are able to offer you a policy that covers the level of activity that you are undertaking as they are generally cheaper than getting new insurance.
Medical, Rescue and Treatment
Medical evacuation in remote places where there are no other means of transportation available can be really expensive. It’s mandatory for all our clients to have insurance that covers emergency evacuation, medical and treatment. If your own insurance doesn’t provide these coverages, then we strongly urge you to consider it again and get yourself fully insured. It is also important to know how much coverage you have and under what circumstances the medical coverage applies.
Travel Protection
Losing the money, you have paid for the trip is worse should you need to cancel the trip after confirmation. Therefore, having Insurance with Travel protection is recommended. Things don’t always go as planned and there may be some unexpected events that require you to cancel or change your trip. All the trip deposits paid are non-refundable in case of any events so having your insurance provides these coverage’s can be helpful. Similarly, If you miss a flight/connecting flight or your flight is delayed, your policy can help, but only if the delay or missed flight is due to an Insured Event (Severe weather, natural disaster, hijacking, strike). However, this coverage may vary as per the insurance companies so please read the policy wording carefully.
Lost or Delayed Baggage
Most travel insurance will cover up to a certain dollar amount. The key lies in knowing how much you are covered for so kindly check with your insurance about the limit.
Level of Activities & Sports
It is highly recommended that you check with your insurance if it covers your level of activity, trip style and elevation before purchasing. Kindly ensure that it covers specific activities as per your trip style and the maximum elevation.
Exclusions
Like most insurance policies, travel insurance has many exceptions. You should make note of any specific events or items that are excluded from your policy.
Covid-19
We highly recommend purchasing Insurance that covers COVID-19 related expenses too.
The Travel Insurance must cover both the medical and emergency evacuation cost. We recommend that your insurance is worth a minimum of USD 10,000.
Some recommendations:
For worldwide:
World Nomads
For Malaysia/Singapore citizens:
For UK Citizens:
For USA/Canada Citizens:
- Travel Guard
2. IMGlobal
3. Tugo
For Europe:
For Australian/New Zealand citizens:
For Indian citizens
1.Bharati AXA Travel Insurance.
2.ICICI Lombard
3.HDFC Ergo Travel Insurance
4.Reliance Travel Insurance
5.Bajaj Allianz Travel Insurance
Important Note: The above-listed Insurance companies are just a recommendation only. We strongly advise you to consult/enquire with the Insurance Company before purchasing any policies. Please ensure that your Insurance policy covers your level of activity with emergency evacuation and medical expenses covered.
Our expertise lies in treks and climbs but not in the nuances of insurance therefore we strongly recommend that you address specific questions to your insurance agent and take time to thoroughly understand the policy you purchase and its exclusions.