Nepal is one of the most popular Himalayan adventure trekking, peak climbing, and mountain expedition destinations in the world. Without adequate travel insurance, a pleasant journey is impossible. While trekking in Nepal, it is critical for international visitors to obtain insurance coverage. Trekking is a physically demanding and often dangerous activity, especially at high altitudes, in Nepal, despite the fact that the country is typically safe. Altitude sickness is prevalent during trekking in Nepal, especially among foreign trekkers who haven’t had enough time to acclimate, and physical damage is a possibility on the steep trails. Foreign trekkers are rescued by helicopter and flown to hospitals in Kathmandu in the event of such crises. These rescue operations and following medical treatments are costly, and passengers who do not have insurance coverage will have to pay for them out of pocket. Even if there are numerous Tips for Trekking and Packing List, we cannot prevent emergencies. The reimbursement policies of travel insurance are often more lenient than those of travel providers. Although you will almost always be required to present supporting evidence, the minor expense of purchasing a policy is well worth the possible reward.
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Why Do you need Travel Insurance for trekking?
If you don’t have insurance when trekking in Nepal, not only is your life in jeopardy, but your health and money account will suffer as well. When traveling to Nepal and participating in activities such as trekking, peak climbing, or other adventure activities, you must have travel insurance. However, in the foreign market, there are a variety of travel insurance coverage to choose from. Unfortunately, they all come with unbeatable costs and dependability, so be sure to understand exactly what is and is not covered in the insurance plan you choose. Here’s an example of what your travel insurance policy should cover.
- High Altitude Sickness: Altitude sickness is caused by a shortage of oxygen in your body while you are at a high altitude. Your body can adapt if you ascend slowly enough; however, if you ascend too quickly, you may become unwell. A headache and vomiting are the initial symptoms. It worsens from there, and death is a possibility. You should ask your insurance company for a policy that covers High Altitude Sickness while you’re on those trips. You should be aware of your surroundings when trekking or climbing. What is the height of the trekking trail? In the event of an emergency, should the insurance policy include helicopter evacuation?
- Accidents: Accidents do not give you a heads-up. Accidents are the last thing any adventure traveler wants to happen while on vacation. Even if we don’t want it to, it happens. Accidents are always a possibility on Himalayan trekking and adventure, thus the policy should cover all of these scenarios, as well as when an emergency evacuation is required.
- Sickness: Traveling to areas like Nepal carries the risk of illness because your body is not accustomed to the cuisine or cleanliness standards. As a result, you must ensure that your insurance coverage covers you in the event of a serious illness or injury. You were trekking and needed to evacuate for further treatment at the same time.
- Lost or Stolen Luggage: Every tourist knows that this happens from time to time. Your baggage may arrive late or damaged, and you may not find it when you arrive at airports. They can be misplaced or stolen at any time, so your travel insurance should cover these losses of bags and Luggage.
- General Problems: Domestic flights in Nepal might be delayed or even canceled for several days, primarily in mountainous areas such as Lukla Airport. Lukla, like Jomsom for the Upper Mustang Trek, is the starting point for the Everest Base Camp Trek. Due to unflyable weather in Western Nepal and other mountain areas, your travel insurance coverage must cover these fees incurred as a result of delays, otherwise we may need to take charter helicopter flights, which are not inexpensive in Nepal. If you’re going to Nepal, your insurance should cover all of these expenses. It must cover all flight cancellations as well as those caused by circumstances beyond our control.
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Things to know before buying insurance policy:
We can’t stress this one sentence enough, regardless of whatever insurance company you choose. Before purchasing, please read the entire policy. If you do need to file a claim, you’ll need a lot of evidence to prove that you’re entitled to reimbursement. Putting everything on your credit card is a good idea. This is the most effective technique to demonstrate that you have paid. Make a habit of keeping receipts for everything. Also, before you do anything, attempt to call your insurance company. It is critical that you study your policy thoroughly before purchasing it.
How much is travel insurance for trekking in Nepal?
Insurance quotes are influenced by a number of factors, including where you’re from, how old you are, and where you’re going. Going to Nepal for a two-week trip below 6,000 meters’ costs roughly $75 on average.
How Do Travel Insurance Scams Like Heli Rescue Avoid Them?
Because they are big businesses with lots of consumers, the five best travel insurances we recommended for trekking in Nepal are the ones with an agent and offices there. Because there will be a significant investigation after your rescue and the insurance company will be paying a bill, these insurance companies are also aware of the bogus trekking businesses that will rescue you by making you unwell. Additionally, people who profit from bogus rescues and fake bills are unable to provide these insurance companies with Furthermore, because they are familiar with the market and price in Nepal, people who profit from phony rescue operations and fake currency are unable to present these insurance firms with large quantities of bills. They (Fake Rescue Companies) are aware of this, thus the likelihood of a fake rescue will be low if you have one of these travel insurance policies when hiking in Nepal. There won’t be any issues when these insurance companies pay the price if you truly fell ill in the mountains and the firms provided the rescue and submitted a suitable amount for the claim.
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How high can I trek in Nepal while having travel insurance?
You can hike as high as 6,000 meters (19,685 feet). This elevation is not reached by all treks, though.
- 5,368 m Everest Base Camp (17,598 feet)
- With Kala Patthar at 5,644.5 meters, Everest Base Camp (18,519 feet)
- 5,416 meters long Annapurna Circuit (17,769 feet)
- 3,210 meters up Ghorepani Poon Hill (10532 feet)
- 5,000 meters in the Langtang Valley Trek (16,347 feet)
- 5.554 meter Gokyo Ri Trek (18,222 feet)
- Walk the Manaslu Circuit 5,213 meters (17,103 feet)
- 5,550 meters for the Upper Dolpo Trek (18,209 feet)
- 5,732 meters high Yala Peak Trek (18,806 feet)
- Trek to Mardi Himal 4,500 meters (14,764 feet)
- 3.8000 m Upper Mustang Trek (12468 feet)
Make sure your policy covers you up to the highest altitude of your trek when choosing your trekking insurance.
What Does Travel Insurance Not Cover?
It is important to keep in mind that every policy has exclusions for specific terms and conditions. Pre-existing medical illnesses are often not covered, as well as coverage for incidents that take place in areas experiencing political upheaval where you were aware of the danger beforehand and, in some situations, problems with tour operators, such as those that unexpectedly go out of business. Verify that you will be covered for your unique wants and requirements by reading the fine print.
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5 Best Travel Insurance for Trekking in Nepal:
- Europ Assistance (For Europeans)
- World Nomads (For Canadians, American and even Asians)
- Insure and Go (For British)
- Travel insurance consultants (For South Africans)
- 1Cover Travel Insurance (Australians and New Zealanders)