Choosing the right type of insurance can be confusing but it’s also an important decision.
It’s mandatory and highly recommended to get travel insurance before embarking on any adventurous trips in Nepal. We advise all our clients to get a travel insurance that covers up emergency helicopter evacuation that may be needed in case of the occurrence of AMS (Acute Mountain Sickness) or any other reasons in high altitudes where there are no other means of transportation available. Medical expenses, Baggage lost, Delays and Cancellation, Death & Repatriation are also another important factor to include when purchasing your Insurance. It is advisable to review carefully the insurance and its coverages before making the final decision. Carry a proof of your insurance with you on the holiday and leave a copy next to your kin. You must ensure that your insurance provides adequate level of protection and covers you for the activities involved.
Below you will find some information and recommendation that might help you in getting your insurance sorted before you embark on your adventure.
- First thing first
If you have an annual policy, household insurer or an existing health insurance company, check with them first if they are able to offer you policy that covers your level of activity that you are undertaking as they are generally cheaper than getting new insurance. Kindly ensure that it covers the specific activities such a “Hiking’’ for trekking holidays and ‘’rope mountaineering/climbing’’ for climbing holidays.
- Medical, Rescue and treatment:
Medical evacuation in remote places where there are no other means of transportation available can be really expensive. It’s mandatory for all our clients to have insurance that covers emergency evacuation, medical and treatment. If your own insurance doesn’t provide these coverages then we strongly urge you to consider it again and get yourself fully insured. It is also important to know how much coverage you have and under what circumstances the medical cover applies.
- Delays and cancellation:
Things don’t always go as planned and there may be some unexpected events that require you to cancel your trip. If you miss a flight/connecting fight or your flight is delayed, your policy can help, but only if the delay or missed flight is due to an Insured Event (Severe weather, natural disaster, hijacking, strike). Similarly, all the trip deposits paid are non-refundable in case of any events so having your insurance provide these coverages can be helpful. However, this coverage may vary as per the insurance companies so please read the policy wording carefully.
- Lost or Delayed Baggage:
Most travel insurance will cover up to a certain dollar amount. They key lies in knowing how much you are covered for so kindly check with your insurance about the limit.
- Level of activities & sports:
Trekking is ‘’Hiking’’ in insurance terms and some policies cover up to 6000m whereas peak climbing/expedition are termed as ‘’guided/rope mountaineering’’ in general insurance term. Check with your insurance if it covers your level of activity before purchasing.
Like most insurance policies, travel insurance has many exceptions. You should make note of any specific events or items that are excluded from your policy.
- World Nomads
- Global Rescue
For UK Citizens:
- British Mountaineering Council (BMC)
- DogTag UK
- Adventures Insurance
- Campbell Irvine
For USA/Canada Citizens:
- Travel Guard
- IM Global
- Europ Assistance
- IHI Bupa
For Australian/New Zealand citizens:
- Cover More Travel Insurance
- Ripcord Rescue Travel Insurance
- 1 Cover Travel Insurance
For Malaysia/Singapore citizens:
- AIG Travel Insurance
- AIA Berhad