Whether you’re planning a trek to Everest Base Camp, a cultural tour in Kathmandu, or a jungle safari in Chitwan, travel insurance in Nepal is not just recommended in many cases, it’s mandatory.
The Himalayan landscape, remote trekking trails, and changing altitudes pose real risks. Emergency medical evacuations, especially by helicopter rescue, can cost upwards of $5,000–$10,000 — and most general insurance policies don’t cover it unless it’s specifically included.
That’s why choosing the right international travel insurance for trekking in Nepal is crucial before you land.
Trekkers heading to high-altitude regions (EBC, Annapurna, Langtang, Manaslu)
Travelers on multi-day adventures involving rafting, mountain biking, or paragliding
Climbers attempting peaks like Island Peak, Mera Peak, or higher
Casual tourists wanting protection for trip cancellations, baggage loss, or medical needs
| Feature | Why It Matters |
|---|---|
| High Altitude Coverage | Many treks go above 4,000m–5,000m. Not all insurers cover this. |
| Helicopter Evacuation | Essential for medical emergencies in remote areas. |
| Adventure Activity Coverage | Trekking, rafting, zip-lining, paragliding must be covered. |
| Trip Cancellation/Interruption | Protects prepaid bookings (flights, tours, hotels). |
| Lost/Stolen Baggage | Compensates for gear or documents lost in transit. |
| COVID-19 Coverage | Many providers now include pandemic-related cancellations or hospitalizations. |
Pricing varies based on:
Duration of stay
Age of traveler
Trekking altitude
Coverage amount
Estimated Cost Range (per person):
| Duration | Basic Policy | Trekking Coverage |
|---|---|---|
| 2 Weeks | $40–$60 | $80–$130 |
| 1 Month | $70–$100 | $120–$180 |
| 3 Months | $120–$180 | $200–$300 |
Tip: Prices are lower for general travel; they increase once high-altitude trekking or adventure sports are included.
While travel insurance is not legally mandatory, most Nepali trekking agencies and tour operators require travelers to carry valid insurance with emergency evacuation coverage.
Moreover, the Nepal Tourism Board and local authorities strongly advise insured trekking due to high incident rates on trails like:
Everest Base Camp (EBC)
Annapurna Circuit
Manaslu Circuit
Langtang Valley
If a rescue helicopter is needed, you may be denied service without confirmed insurance or prepayment.
Compare online providers for trekking-specific policies
Choose coverage for at least 5,000m altitude
Add adventure activities if you’re planning rafting or climbing
Buy before entering Nepal (some providers won’t cover already-in-country claims)
Share your insurance details with your guide or trekking agency
A copy of your insurance certificate or policy
Emergency claim contact number
Your passport number and trip dates
Guide contact and trekking permit copy
Your trekking agency will also need this if arranging helicopter rescue.
From bustling Kathmandu streets to snow-capped Himalayan trails, Nepal offers experiences of a lifetime but with high reward comes high risk. Having proper Nepal travel insurance means you can trek with confidence, knowing you’re protected against altitude sickness, delays, or sudden emergencies.
Whether you’re trekking to Everest Base Camp or just exploring Pokhara and Lumbini, travel insurance for Nepal is the smartest thing you’ll pack.
1. Is travel insurance mandatory for trekking in Nepal?
No, but strongly recommended and often required by local agencies and tour operators for high-altitude treks.
2. What’s the best travel insurance for trekking in Nepal?
World Nomads, True Traveller, and IMG Global are excellent for trekkers due to high-altitude and evacuation coverage.
3. Does insurance cover helicopter rescue in Nepal?
Only if specified. Look for “emergency medical evacuation” in the policy and check the altitude limit.
4. Can I buy travel insurance after arriving in Nepal?
Some providers offer post-departure coverage, but many exclude claims if the insurance is bought after arrival. It’s best to buy it before you fly.
We are a government-authorized trekking agency in Nepal. We have strictly followed all necessary legal procedures and obtained necessary licenses and certificates to be liable to operate travel services in Nepal.
