Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Nepal Travel Insurance
An adrenaline junkie's dream, Nepal lays claim to eight of the world's ten highest peaks. Whether you're there to trek the Himalayas, visit the golden temples, or see jungle wildlife there really is something for everyone at this must-see destination.
However, no matter which kind of Nepalese experience you're planning, neglecting travel insurance on your trip could be both hazardous to your health and your finances. Keep reading to find out what you need to consider when getting travel insurance for Nepal.
Understand nepal travel insurance
Helicopter Rescue
When trekking in Nepal, you may find yourself in inaccessible locations. If you fall ill or get injured, you'll likely need a helicopter to get you down which isn't cheap. A helicopter evacuation in Nepal costs a minimum of $7,000.
Check Altitude Limits
You may only be covered to a specific altitude limit for trekking and hiking. The altitude restrictions vary between insurers, so be sure to check that you're covered for the heights you're planning to reach.
Adventure Activities
Some insurers automatically cover trekking under their policy as standard. Others may provide cover with a sports & adventure pack add-on. Check your activities are covered before you buy.
Location Exclusions
Although some insurers cover you up to 6,000m, some of these exclude travel to Nepal altogether. So if you're headed to Nepal, you'll need to go through the policy documentation carefully or contact the insurer directly if in doubt.
Other Terms
Each insurer has different terms and conditions when it comes to climbing equipment, using ropes and hiking with guides and whether or not you need to be with a licenced tour guide, so pay close attention to the details.
Cover your stuff
Loss or damage to your prized possessions can be a common, yet gut-wrenching experience on your adventure trip. Make sure you find a policy that will adequately cover your hiking gear as some insurers don't cover equipment whilst in use.
compare ALTITUDE LIMITS
Not all travel insurers in Australia will cover you for trekking the altitudes you will be climbing to in the Himalayas. So wise-up to ensure you're buying a policy that will adequately cover you. The following table compares the various insurers altitude limits.
| Insurer | Underwriter | Altitude limit | Restrictions | Buy Now |
|---|---|---|---|---|
 1300 Insurance |
Allianz Australia Insurance Limited | 3000m | No cover for use of ropes or climbing equipment | |
 1Cover
|
Certain underwriters at LLoyd's | 3500m | No cover for use of ropes or climbing equipment. Excluding trekking in Antarctica, Greenland or North Pole. | |
 AIG |
AIG Australia Limited | No altitude restrictions | No cover for use of ropes or climbing equipment (other than for hiking). | |
 Allianz |
Allianz Australia Insurance Limited | 6000m | No cover for use of ropes or climbing equipment. With Adventure pack add on. | |
 Amex
|
Chubb Insurance Australia Limited | No altitude restrictions | No cover for ropes and guides. | |
 Boomers
|
Allianz Australia Insurance Limited | 6000m | No cover for use of ropes or climbing equipment. With adventure pack add on. | |
 Budget Direct
|
Auto & General Services Pty Ltd | 5000m | Must be available to the general public, conducted by a commercial operator, not be considered extreme risk, and not require special skills or a high level of fitness to undertake. | |
 Columbus Direct
|
Certain underwriters at LLoyd's | 6000m | If Sports & Adventure pack B is purchased. No cover for use of ropes or guides. | |
 Cover-More |
Zurich Australian Insurance Limited | No altitude restrictions | No cover for mountaineering or rock climbing using ropes. | |
 Downunder
|
Certain underwriters at LLoyd's | No altitude restrictions | No cover for use of ropes or climbing equipment (other than for hiking). Excluding trekking in Antarctica, Greenland or North Pole. | |
 Fast Cover
|
Hollard Insurance Company Pty Ltd | 6000m | No cover for specialist climbing equipment or expeditions to or on the Kokoda Track/Trail. / Add-on Adventure Pack; No cover for specialist climbing equipment. With add-on Adventure Pack. | |
 Go insurance |
Certain underwriters at LLoyd's | 4000m | Must be conducted by a commercial operator, no cover for use of ropes or climbing equipment. | |
 Insure4Less* |
Certain underwriters at LLoyd's | 6500m | Includes climbing with ropes, picks or other specialist climbing equipment. There is no cover whatsoever for activities in the Antarctic/Arctic/Nepal. There is no cover for Mountaineering, trekking or trad climbing in the USA or Canada. | |
 InsureandGo"
|
Mitsui Sumitomo Insurance Company Limited | 5000m | Must be available to the general public and conducted with a commercial operator | |
 Itrek
|
Certain underwriters at LLoyd's | 6000m | Must be with a professional and licenced guide or operator. Must wear/use appropriate and recommended safety equipment and follow safety guidelines. No cover for professional trekking or hiking. | |
 No Worries Insurance
|
Chubb Insurance Australia Limited | No altitude restrictions | No cover for use of ropes or guides | |
 Priceline
|
Chubb Insurance Australia Limited | No altitude restrictions | No cover for use of ropes or guides. | |
 SCTI |
Southern Cross Benefits Limited | 3000m | No cover for use of ropes, climbing equipment or oxygen. No cover between altitudes of 1,500 and 3,000 metres if you are, or intend to ascend more than 500 metres per day. | |
 Simply Travel Insurance
|
Certain underwriters at LLoyd's | 3500m | No cover for use of ropes or climbing equipment (other than for hiking). Excluding trekking in Antarctica, Greenland or North Pole. | |
 STA Travel
|
Allianz Australia Insurance Limited | 6000m | No cover for use of ropes or guides. | |
 Tick
|
Mitsui Sumitomo Insurance Company Limited | 5000m | Must be available to the general public, conducted by a commercial operator, not be considered extreme risk, and not require special skills or a high level of fitness to undertake | |
 Travel insurance direct |
Certain underwriters at LLoyd's | No altitude restrictions | No cover for use of ropes or climbing equipment. Ice/glacier walking (up to 3,000 metres), only when on a guided tour with a licensed tour operator. With snow sports &actviity option. |
|
 Travel Insurance Saver
|
Certain underwriters at LLoyd's | No altitude restrictions | No cover for use of ropes or climbing equipment. | |
 Travel With Kit |
Certain underwriters at LLoyd's | 5000m | Where specialist climbing equipment not required; with adventure pack add-on. | |
 Virgin Money
|
Allianz Australia Insurance Limited | 3000m | No cover for use of ropes or climbing equipment or expeditions to or on the Kokoda Track/Trail. | |
 Webjet
|
Allianz Australia Insurance Limited | 6000m |
No cover for use of ropes or climbing equipment or expeditions to or on the Kokoda Track/Trail. With adventure pack add on. | |
 World nomads |
Certain underwriters at LLoyd's | 6000m | No cover for search and rescue if you get lost in the mountains or at any other time. May need to add on sports and activity cover. | |
 Zoom Travel Insurance
|
Certain underwriters at LLoyd's | 6000m | No cover for specialist climbing equipment or expeditions to or on the Kokoda Track/Trail. With add-on Adventure Pack. |
other handy Tips
What adventure activities are covered?
Are you a self-confessed adrenaline junkie? If you’re planning on doing some risky activities on your trip make sure you know if they’re covered, as not all of them are!
Pre-existing medical conditions
Having pre-existing medical conditions doesn't mean you can't get cover or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.
Ski Insurance Guide
The nature of a winter sports holiday is risky, so if you don't want to wipe out your savings with a fall on the slopes, get covered in snow!
NEPAL TRAVEL INSURANCE FAQS
Does travel insurance cover helicopter rescue from Everest?
Look for a policy with 24/7 Emergency Assistance which will provide cover for medical evacuation, access to trained medical advisers, hospital expense guarantees, ambulance fees, messages to family and funeral arrangements.
Am I covered for altitude sickness?
Comprehensive travel insurance typically covers if you get sick overseas, including hospital stays, surgery, prescription drugs and doctor visits. Altitude sickness can seriously derail your once-in-a-lifetime experience. Do your research before you go and take all necessary precautions as you familiarise yourself with your surroundings.
Will I be covered for pick pocketing for Nepal?
Comprehensive travel insurance can cover for pickpocketing and muggings, provided of course you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a pickpocket, make sure you go to the police within 24 hours to get a document reporting the incident to provide to your travel insurer.
Am I covered for cancellation if I can't continue my trek?
Twisted ankles and altitude sickness are among the most common trekking and climbing complaints that can affect the rest of your trip. Should an unforeseen injury stop you from continuing your hike your travel insurance may reimburse you for any pre-paid expenses for any un-used portions of your holiday.
Is my SLR camera covered when doing the Annapurna circuit?
Taking some fancy photographic equipment to capture the magic of Himalayas? Make sure you check your insurer covers your high value items. You might need to ensure them separately to protect them up to their entire value.
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