Nepal Trekking Insurance Explained: What Every Trekker Must Know

Trekking in Nepal is a dream for many. From Everest Base Camp to Annapurna Circuit, the trails offer stunning scenery but also real risks. Proper travel insurance is one thing every trekker should secure before any trek in Nepal.

At Places Nepal Treks, we’ve guided hundreds of trekkers across Nepal’s high-altitude routes. While we don’t sell or provide insurance ourselves, we’ve supported many clients during evacuations and helped them get reimbursed through their insurance providers. This article covers what you need to know about trekking insurance in Nepal, including what it covers, how evacuation works, and how to claim if things go wrong.

Why Trekking Insurance is Essential in Nepal

Nepal’s mountains are remote, with limited road access and high elevations. Even experienced hikers can suffer from altitude sickness, injuries, or severe weather. If something goes wrong, a helicopter evacuation may be the only way out—and it’s not cheap.

Without proper insurance, you could face costs of $2,000–$5,000 USD or more for an emergency evacuation alone. Medical treatment, hospital stays, and trip delays only add to the expense.

Most trekking permits (like those for Everest Base Camp or Manaslu Circuit) now require proof of insurance that includes high-altitude coverage and emergency evacuation.

What Should Your Insurance Cover?

Not all travel insurance includes high-altitude trekking. Make sure your policy includes the following:

Key Features to Look For:

• Altitude Coverage: Must cover treks up to 6,000 meters or more.

• Emergency Evacuation: Includes helicopter rescue from remote mountain areas.

• Medical Expenses: Covers treatment in Nepal and hospital care.

• Trip Cancellation/Interruption: Reimbursement if your trek is delayed or canceled.

• Repatriation: Covers transport back to your home country if needed.

• Adventure Activity Clause: Some insurers exclude trekking unless it’s added.
  

How Emergency Evacuation Works

In case of injury or illness, Places Nepal Treks acts immediately:

1. We contact helicopter operators on your behalf.

2. We notify your insurance provider and handle verification.

3. We assist with logistics: rescue, hospital transport, and admission.

4. We help you collect documentation for your insurance claim.

You won’t be left alone to figure it out.

Important: Without insurance or payment guarantee, helicopter companies may not dispatch. That’s why advance coverage is critical.

Trek the Annapurna Base Camp Trek

Classic Himalayan trail reaching 4,130 meters at the foot of Mount Annapurna.

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How to File a Claim After Evacuation

If you use your insurance during the trek, follow these steps:

1. Contact your insurer ASAP during or immediately after the incident.

2. Keep all records — receipts, reports, hospital documents, and flight logs.

3. We provide a full incident and evacuation report to support your claim.

4. Submit your claim form along with all documents.

5. Follow up with your provider if needed.

Where to Buy Trekking Insurance

Places Nepal Treks do not sell or offer insurance, but we recommend providers based on client experience.

Commonly Used by Our Trekkers:

• ASC360 – Specializes in adventure insurance tailored for Nepal. Covers helicopter evacuation without complex claims.

• World Nomads – Popular with international trekkers for its flexibility and adventure coverage.

Compare their policies based on your destination, altitude, and trip length.

Trek the Manaslu Circuit Trek

Treks that circles the Mt. Manaslu, dramatic mountain scenery, authentic Tibetan-influenced culture, and a less crowded.

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Why Choose Places Nepal Treks?

We are not just your trekking guide—we are your safety partner. When something goes wrong, we act fast.

What We Offer:

• Fast evacuation coordination

• Direct communication with insurers

• On-ground hospital support

• Claim assistance with documents and reports

• Trained guides in altitude awareness and first aid

You’ll never be alone in an emergency.

Final Advice for Trekkers

Before flying to Nepal, make sure your insurance:

• Covers the right elevation

• Includes helicopter rescue

• Specifically allows for trekking in Nepal

• Is valid for your entire trip duration

Double-check your policy. Reach out to your provider if unsure. After booking a trek with us, send us your insurance details—we’ll keep it on file in case of emergency.

Trek the Everest Base Camp Trek

This classic trek takes you through the heart of the Khumbu region, past vibrant Sherpa villages, ancient monasteries, and towering Himalayan peaks.

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Trek the Himalayas with peace of mind. 

Choose your route, get covered, and let Places Nepal Treks guide you through the mountains—safely and confidently.