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Compare Travel Insurance Travel Insurance for Nepal

Nepal Travel Insurance

14 July 2021 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. 

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 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.


Cover your stuff

Loss or damage to your prized possessions can be a gut-wrenching experience whilst on an adventure. 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.


A ban on overseas travel from Australia remains in place. You can’t leave Australia unless you get an exemption from the Department of Home Affairs.

Due to COVID-19, the resultant travel restrictions and the uncertainty surrounding travel, not all insurers noted above are issuing policies.  Some travel insurers have started to sell international travel insurance to Australians again. However, the policies may not cover COVID-19-related claims.

A ban on overseas travel from Australia remains in place. You can’t leave Australia unless you get an exemption from the Department of Home Affairs. 

Most standard policies also won't cover you for 'Do not travel' destinations. Check with your travel insurance provider.


other handy Tips

adventure activities


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


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!



Will I be covered to trek to Everest Base Camp in Nepal

Everest Base is at an altitude of 5,364 metres, and most standard travel insurance policies will not cover you for trekking at that altitude. There are, however, several insurers that will cover you up to 6,000 metres and some that have no altitude restrictions. However, some may have limits on certain countries and trails.  So if you're headed to Nepal, you'll need to go through your choices very carefully.  Check out our guide on trekking insurance altitude limits

Does travel insurance cover helicopter rescue?

The health and safety of travellers is always the first priority for travel insurers and if it is necessary for you to be evacuated from Mount Everest or any other mountain, you're likely to be covered under your travel insurance policy.  This of course is subject to the terms of any altitude limits or adventure activities outlined in your policy.

All travel insurers have an Emergency Assistance Team on call 24/7 to assist in providing health and safety advice, so in the event of injury or illness on a mountain you should try to get in touch.  Calling your insurer first means that they can pay for any medical services upfront so that you aren't out of pocket.  They have trained medical staff that can provide advice, have access to trusted local partners who can arrange the evacuation and can provide messages to your family.

Learn more about helicopter rescues and altitude limits when trekking.


Does travel insurance cover altitude sickness?

Provided you're hiking or trekking within the terms of your policy, you're likely to be covered for altitude sickness, commonly known as Acute Mountain Sickness (AMS).  Not every insurer provides covers for high altitudes though, so make sure you check any altitude limits and read the product disclosure statements before you decide on your final product. Exclusions often apply for the use of support ropes and for any trek which includes a rock-climbing component. Under these circumstances, you may not be covered.

High altitudes come with some risks and can have adverse effects on certain medical conditions, so it is important to be transparent with your insurer and declare any pre-existing medical conditions to ensure that you're properly covered.

Before trekking in the mountains in Nepal, make sure you know the symptoms of AMS and if AMS is suspected or you're unsure, don't wait, descend and get medical advice.  It's a good idea to register your travel insurance details with your guide so that they know who to contact in an emergency. 

Would I be covered for pickpocketing in Nepal?

Bag snatching and pickpocketing in Nepal is common, particularly in the tourist areas of Kathmandu’s Thamel, the city of Pokhara, and the Annapurna region. Comprehensive travel insurance will usually cover 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 bag snatch or pickpocket incident, make sure you report the incident to the police or appropriate authority where practicable so that you have documentation to support any claims with your travel insurer.

Tourists are often targets due to their perceived wealth and possible lack of area expertise and security awareness. It's a good idea to leave valuables behind and not flash the cash.

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 quickly put an end to your trek. Should an unforeseen injury stop you from continuing your hike your travel insurance may reimburse you for any pre-paid expenses for unused portions of your holiday. 

Is my camera covered if it gets damaged while trekking?

It's natural to want to take some cool pics of the awe-inspiring views when travelling amongst the higher peaks of the planet.  Most insurers will cover damage to camera equipment up to a certain limit (usually ~$3,000) and in the event of a claim, depreciation is likely to apply.

So, if you're taking some fancy photographic equipment to capture the magic of the Himalayas, make sure you check your insurers' per item limits on luggage.   You should consider the value of your equipment and the level of cover you require as you may want to cover your camera or other high-value items separately.

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