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Nepal Travel Insurance


17June, 2019 By Natalie Smith

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

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.

altitude limits

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

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

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

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.

luggage

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.


The information provided is of a general nature only and does not take into account any particular personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal objectives, needs and circumstances.  Cover levels could change at any time.

 

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

 

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

 

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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