If you are confused about whether you require insurance or not while traveling in Nepal? This article is for you regarding insurance. It’s not mandatory for the tourist to have insurance while visiting Nepal.

However, if you are traveling for adventure activities in high altitudes like trekking, peak climbing, and mountain expeditions, then it is compulsory to have travel insurance. For adventurous, thrilling activities such as Paragliding, River Rafting, Bungee jumping, and Canyoning, we strongly recommend having travel insurance.

Nepal has a diverse landscape where trekking in high hills, mountains, and peaks is risky. All these adventure places are in the remote area of Nepal. Also, to enter the restricted area of Nepal, you need to get a permit for trekking. It is compulsory to have the travel insurance to get the trekking permit.

While traveling inside Nepal, getting insurance helps to have free of mind for travelers. Also, it helps to reduce the burden of financial things if any unexpected events occur during the visit.

From life insurance to non-life insurance, visitors can choose according to their visit plan. Depending upon the time and place on the nature of the visit, we recommend choosing the insurance wisely. All the insurance policies should be read properly before you begin your journey in Nepal. We recommend you choose the insurance that covers it so you will not have a problem later on.

Below is the list that covers depending upon the type of insurance you choose.

Emergency Medical Expenses

During the trek, sometimes unseen events can occur, and emergency medical assistance may required. It’s difficult for medical treatment in high altitudes, so they may need to carry through a helicopter. Accidents can happen while you are on an adventure holiday. Also, natural disasters like earthquakes, floods, landslides, and storms can cause injury. We wish such things do not happen during traveling, but doing insurance that covers emergency medical expenses needs to be done.

Hospitalization and Treatment

If you get sick or injured while traveling, you’ll be taken to hospital, and proper treatment will be done. Your medical insurance will cover all the fees required while you will stay in the hospital. Also, it will cover surgery and medical treatment.

Evacuation and Repatriation

Sometimes, in extreme cases, major illnesses or surgeries are impossible inside Nepal. For further treatment, you may need to be taken back to your country. In such type of cases, insurance will help with evacuation and repatriation.

High-Altitude Sickness Coverage

Trekking at a higher altitude is risky, and there is a chance of altitude sickness. Altitude sickness can be from normal to acute. Depending upon the situation, altitude sickness treatment should be done. In life-threatening situations, insurance helps to cover the high altitude sickness.

Emergency Dental Care

Insurance will help you to deal with the emergency case of dental treatment.

Search and Rescue Trip

During the trekking, there is a risk of avalanches, floods, storms, and heavy snowfall. The chances of getting lost and needing to be rescued must be reduced in such cases. Thus, insurance will cover the search and rescue for the travelers when needed.

Interruption and Cancellation

If the traveler is injured, ill, or in any certain case, which interrupts the traveling and needs to cancel, insurance will help you with money back for a certain percentage. Travelers need to read the policy well beforehand about how much they will get their money back and whether they are eligible or not.

Coverage for Pre-Existing Conditions

Some of the patients may have pre-existing conditions, so they need to inform the travel agency before their journey begins. Also, they need to understand whether the insurance covers pre-existing conditions or not while doing the travel insurance.

Travel Insurance

While doing adventurous activities and thrilling activities, traveling insurance covers the various types of packages. Travelers can get insurance coverage for lost baggage, passport, theft, robbery, etc.

Conclusion

The insurance cost depends upon various factors depending on the type of insurance and the trip duration. Insurance helps you to provide financial protection and helps you freely during the trek. Trekkers need to understand the risk factors and the importance of insurance and its benefits.

Choosing the right insurance company and insurance is necessary for travelers. Travelers must read the policy before doing any insurance and what it covers.

Our company also provides a trekking insurance facility for travelers. If you are considering having the insurance and want to know more about the insurance, you can contact or mail our office.