Why Travel Insurance Is Essential for Visiting Nepal?
Travel insurance in Nepal is absolutely important for traveling here. This provides assurance to many things as well as covers your emergency expenses. Here are some of the reasons that motivate you to travel with insurance, have a look:
Medical Emergency: You may be traveling in remote and Hilly parts of Nepal where there are limited medical facilities. Hospitals and health posts in villages may not provide proper care and treatment. Likewise, serious illnesses and injuries may require evacuation from the mountain to the hospital in the city. In such a situation, travel insurance plays a major role in covering your expected expenses.
High Altitude Rescue: While traveling at higher altitudes, you may suffer altitude sickness. There is a high chance of some other emergency health issues. Helicopters charge a huge amount while rescuing from a higher altitude. The charge is normally $5000-$10000. If you have travel insurance, then such expenses can be covered.
Trip Cancellation and Delays: Flights to places like Lukla often get delayed or cancelled due to unpredictable weather. In such a situation, insurance can reimburse non-refundable costs.
Lost or Stolen Belongings: No place is free from theft and robbery. Just like that, you may also face theft and luggage being stolen. Travel insurance can cover such unexpected financial losses.
Natural Disasters: Nepal is prone to natural disasters like earthquakes, floods, landslides, and more. In the Himalayan region, avalanches can be a troublemaker. So, insurance is a great boon to get relief from such disruptions.
Political Issues: Nepal has an unstable political scenario. Strikes can cause cancellations of flights and tours. In this case, a travel insurance policy is the only way to get a refund or be reimbursed.
Besides these, travel insurance international can also offer relief for adventure sports. Emergency repatriation and personal liability protection are included. Covering additional and unexpected costs, the insurance policies provide huge support while traveling in Nepal.
Which Travel Insurance Policy to Choose for Trekking in Nepal?
Travel Insurance Policies for Nepal vary as per your needs and desires. You can choose the right one for you depending on your travel locations, duration of travel, and adventure journey. Normally, the insurance plan is of three types:
For General Travelers (City and Cultural Tours)
If you are a general traveler who enjoys city and cultural tours in Nepal, you should choose this insurance policy. It allows you to cover your personal liabilities. Besides that, it also covers your issues related to flight delays or cancellations. Your hotels and tours expenses are also covered by this. Interestingly, this policy assures at least $50000 coverage.
For Adventure Travelers
If you are an adventure traveler or trekker, you should choose an adventure insurance policy. This is perfect for those who are trekking in higher than 4000 m. For emergency rescue by helicopter, this policy covers up to $100000. This also covers adventure sports such as bungee jumping, paragliding, and rafting. Within this policy, you will get medical expenses and emergency repatriation coverage. This is one of the best travel insurance policies for Trekking in Nepal.
For Long-Term Travels (Digital Nomads)
This travel insurance policy is a coverage for long-term traveling. As a digital nomad, you can freely enjoy various parts of Nepal with this assurance. You will get comprehensive health insurance for your extended stays. You will enjoy a flexible trek extension. Also, this insurance policy helps you recover for theft and electronic gadgets.
Before purchasing these insurance packages, you should read the policy carefully. This ensures whether the package covers high-altitude trekking, adventure sports, and helicopter evacuation (for emergencies).
Best Travel Insurance Options for Nepal
Nepal Travel Insurance for Singaporean Adventurers
World Nomad
You can visit World Nomad, which is one of the best insurance companies for international adventure. This provides service for over 140 countries. This covers emergency medical facilities, emergency evacuations, adventure activity coverage, and more. Further, the company has flexible plans and offers 24/7 services. The policy charge is normally from $30- $150.
Reliable Nepal Travel Insurance for UK Hikers
Allianz
Allianz is a reputable company that offers global health insurance plans. This is rated excellent on Trustpilot. This is perfect for adventure and mountaineering in Nepal. Within a reasonable price range, you can get services related to emergency medical expenses. Repatriation, trip cancellation, and lost baggage are plus.
Snow card
Snow card is another best insurance companies you can choose from UK. This is normally famous for covering insurance policies for adventure and winter sports. This is one of the UK's leading travel insurance companies with 30 years that excels in climbing and mountaineering insurance. The rock climbing travel insurance of this company has been popular for many years. It is well established in the mountaineering community.
Nepal Travel Insurance for USA Citizens
Geo blue
Geo Blue is a wonderful travel health insurance company that is mainly for US citizens. It has a 24/7 health service with trusted doctors. The insurance cost varies depending on your age, coverage level, and trip duration.
Insured International
Travel Insured International is a great option for US people. This company offers domestic and international trip protection products and services.
Travelex
Travelex is the best trip travel insurance company among the 41 companies in the United States. It covers the expenses of trip cancellation, medical expenses, luggage and travel documents, and more. The policy cost starts with a low amount, making it a preferred choice for all.
Trusted Nepal Travel Insurance for Italian Visitors
Allianz
If you are an Italian resident, you can enjoy the travel insurance service from Allianz. This is best for an adventure and mountaineering trip.
Axa
AXA is a French multinational insurance corporation. In Italy, you can get this service for group and individual life insurance. The company also offers general insurance products.
Nepal Travel Insurance for French Travellers
Maif
Maif is a great platform that covers the civil liability insurance for material, immaterial, or bodily damage caused to third parties. This is useful for both inside and outside France. It has been a reputable mutual insurance company for many years.
Mutudaide
Mutudaide is an insurance company in France that covers the health insurance of insurers inside and overseas. The company ensures the best quality, which starts with 1.50 euros.
IMA
IMA Select is an International travel safety that ensures medical evacuation coverage. This offers 24/7 service and covers travel cancellations and other disruptions.
Best Nepal Travel Insurance for Slovenians
Europ assistance
If you want travel insurance for Nepal from Slovenia, then Europe Assistance is a great choice. This is a global assistance that starts with 20 euros per month. The smart package covers medical expenses, unlimited sports equipment, baggage insurance, and more.
Coris
The Slovenian people can also go for Coris. It is a good company that provides urgent medical help during your travels.
Top Nepal Travel Insurance for German Citizens
Roland
Roland Holidays is a wonderful choice for travel insurance. This company offers the best services for your luxury treks and holidays. The insurance charge mainly depends on the trip cost, coverage level, destination, and more.
DR Walter
This is a popular travel insurance company in Germany. It covers travel cancellation, health insurance, and luggage insurance.
Nepal Travel Insurance for Canadians
Tugo
Tugo is a popular travel insurance policy in Canada that covers travel health. The company offers various discount schemes to the insurers. Normally, the company is famous for low-cost and reliable medical services.
Allianz
Allianz, being a global company, is the best choice for Canadians.
Global Excel
Have you heard about Global Excel Management Inc.? Well, this is a global healthcare risk management company that offers services like risk mitigation, cost containment, claims management, and medical assistance. The services are for international travelers, Canadian, and U.S. clients.
Sun Life
Sun Life Canada is a popular choice if you are a Canadian citizen. This company mainly covers emergency medical care. Besides that, you can also enjoy sports and activities coverage.
Essential Nepal Travel Insurance for Vietnamese Travellers
World Nomad
If you want travel insurance coverage for Nepal hiking, you can seek help from World Nomads. The company offers emergency medical facilities, emergency evacuation, adventure activity coverage, and more.
Insurance for Indian Hiker
Normally, the Indian travel insurance companies are not recommended for safe and fully reliable services.
Nepal Travel Insurance for Spanish Citizens
Europ assistance
For Spain citizens, this company works best to provide a travel insurance policy. The package normally covers medical expenses, unlimited sports equipment, baggage insurance, and more.
Mapfre
MAPFRE is a brilliant choice if you want travel insurance coverage for Nepal. Within a low spending, you can get many coverages. Such as trip abandonment, emergency medical expenses, lost luggage, legal liability, and more.
Asistur
Asistur is also a popular choice for adventures in Nepal. This company offers good coverage of travel emergencies and losses.
Nepal Travel Insurance For Australian
- Allianz
- Travel Guard
- Global Rescue
- Travelex
- Axa
Nepal Travel Insurance For Hong Kong Citizens
- Alianz Insurance
- Axa
- Blue Cross Travel Smart
Travel Insurance For Japanese Travellers
- Mitsui Sumitomo Insurance
- Sompo Japan Insurance
- Life Card Travel Insurance
Best Nepal Travel Insurance For China
- World Nomads
- Travel Guards
- AXA
Best Nepal Travel Insurance For Taiwan Citizens
- World Nomads
- Travel Guard by AIG
- International Medical Group
- Auras Insurance
Recommended Nepal Travel Insurance for Koreans
Korean travel insurance Companies are normally self-payment basis. You are free to buy any of the options above for a safe journey in Nepal. These are reputed and the best travel insurance for Nepal hiking. With these travel insurance policies, you will have a safe and enjoyable tour in the Himalayas. You will cover up the possible damages and find great relief. Please check the insurance policy in detail before choosing one.
All the travel insurance providers mentioned above have a strong reputation for Nepal travel. If you have a preferred policy not listed here or if your country is not included, please feel free to choose the option that best suits your needs, or contact Breeze Adventure for personalized guidance. We’re always here to help you.
After buying a suitable travel insurance for Nepal Trip, you can update it with Breeze Adventure Pvt. Ltd. and continue your journey further. We are a team of experienced and skilled members. We have been operating successful travels and treks in various parts of Nepal. Our guidance will surely help you enjoy a smooth and memorable trip. While trekking in the remote Himalayas, if any mishaps take place, our team will help you reach your insurance coverage and emergency rescue.
Frequently Asked Questions
Is Traveling in Nepal Safe?
Yes, traveling in Nepal is safe. In fact, it is one of the safest places in the world to travel. Despite the safe and secure reports, there is still a probability of theft or luggage being stolen. Also, the difficult landscapes, unpredictable weather can cause hurdles. You can either be very careful during the whole journey or take a travel insurance policy to bear such losses.
Is Nepal Safe for Female Travelers?
Yes, Nepal is generally safe for female travelers. Every year, thousands of female tourists enjoy various locations and trekking in Nepal. The local people are friendly and welcoming. There are very less reports on any bad happenings to the female tourists. However, you should still stay in reputed hotels and take the help of a reputed guide and tourism company. You can also take a policy of travel insurance Nepal for carefree traveling.
How is Nepal travel insurance for trekking?
Though travel insurance Nepal is not compulsory, you can still take a travel insurance policy while traveling in Nepal. This ensures a safe and cheerful journey. With the right policy, you can cover sudden losses and medical help. Further, travel insurance is compulsory while traveling at altitudes above 4000 meters.
Is travel insurance mandatory for Nepal?
Though travel insurance is not compulsory, it is highly recommended for a country like Nepal. This is a nation in the lap of the Himalayas and has many challenges topography. The rugged terrain, increasing altitude, and unpredictable weather make trekking quite risky. So, insurance for Nepal travel will help you cover the possible losses.
How to get travel insurance for Nepal trekking?
When you plan your Nepal travel, you can simply get travel insurance from the country you belong to. Your homeland will provide you with great insurance options for international travel.
Can I buy Trekking Insurance in Nepal?
Yes, you can buy Trekking Insurance in Nepal. The country has a good provision for international travel insurance to both Nepali Citizens and Foreigners Residing in Nepal. However, foreigners traveling to Nepal are recommended to buy an insurance policy in their homeland before confirming the Nepal trip. This will be easier and comforting planning rather than buying in Nepal.
How the insurance work in an emergency?
The insurance works in an emergency by providing financial aid for medical bills, property damage, and potential lawsuits. You will get relief in terms of sudden losses and unexpected events like natural disasters, accidents, and illness. You don't have to pay full cost, major of your losses will be covered by your insurance policy package.
What is the best Travel Insurance for the Everest Base Camp Trek?
Global Rescue and World Nomads are the best travel insurance for the Everest Base Camp Trek. These are the best companies that provide coverage for high altitude, medical evacuation, and adventure sports. They have good standard policies and are also flexible.
Which Travel Insurance is best for the Annapurna Trek?
The Annapurna Trek can be a carefree journey with travel insurance from companies like Travelex, UnitedHealthcare Global, World Nomads, and Insure My Trip. Insurance policies from these companies give altitude coverage, emergency evacuation, medical coverage, lost or stolen coverage, and trip cancellation interruption.
Why is Nepal Travel Insurance so expensive?
Nepal Travel Insurance is so expensive because of a high number of claims and a history of insurance scams. Especially, helicopter rescue claims have been causing the high cost of the policy. Also an increased number of tourists and scams in higher altitudes has led to the insurance costs being expensive.
What is the world's No. 1 Travel insurance company?
Though being no. 1 varies in several factors, Allianz Insurance Company is regarded as the world’s no.1 Travel Insurance Company. It has been on top consistently for several years and has been providing quality services. The company covers about 80% of the policy amount, which is among the highest amounts of coverage while reimbursing. Similarly, it provides coverage for preexisting conditions.
Which is the best Travel Insurance for the Manaslu Circuit Trek?
The best travel insurance for the Manaslu Circuit Trek is World Nomads, Travel and Go, and ISA Assist. These companies have good coverage for altitude sickness, helicopter evacuation, and local assistance.
How much does travel insurance cost in Nepal?
Travel insurance normally costs around $200 to $1500. It depends on the altitude and the policy of the travel insurance. This includes your emergency rescue, physical harm coverage, documents, and property harm coverage. But also, travel insurance policy in Nepal is not recommended; you would better take the insurance package from your homeland before flying to Nepal.
With a proper travel insurance policy, you can enjoy a safe and fun-filled trip in Nepal. Despite the geographical challenges, the tour will be a piece of cake with insurance coverage. Hence, travel insurance is absolutely necessary for your adventure trip in Nepal.
