Proper insurance becomes a necessity before you start your trek. The insurance will help you in case of unforeseen circumstances.
What Should Your Insurance Cover?
The following components should be included in your insurance coverage:
Everest Base Camp, Annapurna Circuit, and other treks rise above 4,000 meters. Standard travel insurance often limits coverage for activities at high elevations. A policy will cover trekking at high-altitude locations.
Hospitalization costs become expensive when medical emergencies occur to travelers. Your insurance policy will cover doctor checkups, medications, and hospitalization expenses.
Helicopter rescue for an emergency or altitude sickness can cost a lot. Medical evacuation needs to drive the price up to thousands of dollars. Your insurance will cover it.
Bad weather can lead to flight delays. It might even cause you to cancel your trip. Insurance will cover flight delays, trip cancellations, and lost baggage.
Your insurance policy will also cover adventurous sports like bungee jumping or rafting.
Is Trekking Insurance Mandatory?
Many travelers buy trekking insurance, even when it's not required. You need insurance to get permits in these areas: Manaslu, Upper Dolpo, Kanchenjunga, Upper Mustang, and other restricted zones.
Where to Buy Insurance?
Before going to Nepal, you should get insurance from an established company. Some well-known international insurers include:
-
You can find suitable insurance plans through World Nomads.
-
Allianz Global Help delivers extensive travel insurance coverage to clients.
-
Nepal Trekking Insurance specializes in coverage for trekkers in Nepal.
Cost of Trekking Insurance
Insurance rates rely on three factors: travel duration, elevation range, and coverage details. Here's a general idea:
-
Short-term policies cost between $95 to $120 for a 7-day trekking trip.
-
The cost of insurance during a 21-day trek falls within a range of $120 to $150.
