Travel and Rescue Insurance

While traveling and trekking in the Nepal Himalayas, we strongly recommend you make up-to-date travel plans, and a rescue insurance policy that covers cancellation, injury, death, lost baggage, theft, liability, medical treatment, and expenses is strongly recommended.

The insurance covers all the activities you will undertake during your stay in Nepal, such as trekking and climbing. If a client becomes ill, all hospital expenses, doctors’ fees, and repatriation costs are the client’s responsibility.

You must carry a travel and rescue insurance copy with you on holiday. Be sure when you are trekking or climbing/ expedition in the Himalayas, your insurance policy explicitly covers emergency air ambulance/helicopter rescue services.

Travel and Rescue Insurance

Adventure travelers should know the value of travel and rescue insurance when trekking and mountaineering in Nepal. What is travel insurance, and why is it necessary, mainly if you visit Nepal? Curiosity leads a person to travel, and travel will become a part of life.

We want to learn about other countries, environments, and their fascinating, diverse histories through exploration, tasting, trying, and observation. Activities and dangers vary depending on the place. However, traveling is usually expensive and has its risks. Adventure travel insurance offers protection from the unexpected. The main reason to purchase travel insurance is for emergency medical assistance.

Without these advantages of travel insurance, the cost of treatment and transportation could easily exceed a thousand dollars. Adventure, especially in Nepal, always comes with risk and danger if you do activities like trekking, boating, rafting, biking, paragliding, etc. So, it’s always best to be ready because anything can happen, including cancellations, accidents, medical crises, theft, and significant injury. Buying travel insurance helps you protect yourself, your plans, and the money you spend

You are planning your trip.

When you plan to explore Nepal territory and trekking routes and capture those unforgettable picture chances, having this kind of coverage makes it easier for you to relax and have fun. Many travel booking websites offer travel insurance from third-party providers, but you can always do your research and locate a provider to work with.

There are numerous insurance websites, including  Allianz, Axa, Tru Traveller, and many others, where you can purchase or find all the information you need about travel and rescue insurance.

The best choice for you, your destination trip, and your requirements will be determined using all the information you have provided. They also give you access to consumer feedback and experiences to decide what will work best for your travels.

You can save a lot of time and effort by using this method. You need to purchase the appropriate insurance at the proper cost and any necessary supplementary coverage. Additionally, these parties have plans specially tailored for the difficulties visitors encounter in various nations around the globe.

You can keep yourself safe and protected while traveling if you know where you are headed and what challenges might emerge. You might be wondering what travel insurance covers. That depends on the company and strategy you select.

There are, however, some essential safeguards that almost every insurance company provides, such as coverage for baggage loss, cancellations, delays, and, with some exclusions, medical and emergency benefits. However, some travel insurance policies do not cover your need for a helicopter evacuation in the high mountains of the Himalayas. Therefore, verifying your travel insurance coverage or asking your provider if the helicopter evacuation is covered is best.

Why get travel and rescue insurance?

Adventure travel requires special protection, particularly if you plan to trek in Nepal or summit its mountains. Travel insurance is practically necessary for mountain hiking or trekking in Nepal. As most tourists know, Nepal is renowned for trekking, peak climbing, excursions, etc.

Most people travel to Nepal to trek in the Himalayas or base camp there. You are prepared with your visa, tickets, decent footwear, required gear, and all your trekking supplies in Nepal. But don’t neglect to purchase travel and rescue insurance, which should be at the top of your list as a safety net in case something goes wrong.

You can visit Nepal and go on a journey without travel insurance. You must realize, however, that Nepal is located in a mountainous area. Most well-known trekking routes, such as the Everest base camp, the Annapurna Circuit, the Three Pass Trek, the Manaslu Trek, and others, are above 4000 m.

As there is a high likelihood of altitude sickness, stumbling, injury, etc., and as the paths to get there are reasonably tricky, You must settle your bills, which can be very expensive if you become ill, misplace something, or skip a trip. Therefore, travel and rescue insurance is essential because it
lets you journey fearlessly and without worry at a relatively low cost.

However, review the terms and conditions before purchasing travel insurance for a Nepal journey or trek. Ensure you are always protected for adventurous activities like trekking above a certain height. These days, Many travel and rescue insurance policies do not cover distances of more than 4,000 m. So, you need to be aware of this because popular journeys like the Annapurna Base Camp Trek, Everest Base Camp Trek, Annapurna Circuit Trek, and Manaslu Circuit Trek all exceed 5,000 meters.

The easiest way to find out if you are covered for trekking in Nepal up to the height you will be traveling is to contact your insurance provider. Select an insurance that includes medical and emergency rescue evacuation for trekkers for your specific journey. Additionally, a helicopter rescue in Nepal costs at least USD 3000 and often more, depending on your location.

Instead of paying on the spot and subsequently claiming, we advise you to select a policy that gives straight payments to physicians, hospitals, and helicopter charter companies. Ensure you get invoices from every place you visit to recoup costs later if your travel insurance provider does not offer an upfront payout.

Evacuation Protocols in Nepal

Even though we, Above the Himalaya Trekking, have a great package or program for getting to the base camp and our guides have a lot of expertise in getting people in and out securely, It is always crucial for us to follow evacuation procedures.

We want to ensure that our guests are comfortable if they get injured or suffer from altitude sickness and cannot continue the trip. In such cases, they will be transported securely back to Kathmandu or at a lower altitude. We even provide some medicine or give simple first aid treatment so they can feel better and continue their trip if they choose.

Piece of advice

The most important advice we can give you is to read every plan and policy before purchasing travel and rescue insurance. It can be not very pleasant, but you might end up saving a bundle. You must read even the small print of any insurance you buy, regardless of technicality or loophole. Those lengthy terms and conditions sections might prevent you from experiencing
severe problems or regret in the future.

Is travel insurance worth it?

There is a compelling case in favor of it because the benefits exceed this situation’s disadvantages. This is especially worth it if you are traveling internationally, intend to engage in physically demanding activities, have a pre-existing medical condition, or are visiting a place you have never been to before and are unsure of the potential issues that may arise. Since it is better to be safe than sorry, almost all travel companies and specialists suggest purchasing travel and rescue insurance.

You put much effort into finding the time and raising the money for these significant journeys. So, it’s entirely up to you whether you purchase travel and rescue insurance. But we at Above the Himalaya Trekking firmly believe it is worth 5–6% of the expense to invest in insurance.

Conclusion

Unexpected events would make travel less enjoyable. However, sometimes, the unexpected keeps you wailing in a hospital bed when you should be trekking through the Himalayas. Travel and emergency insurance can help you avoid hardship and save money.

If you don’t have travel and rescue insurance, then In other words, travel and rescue insurance pays for unanticipated costs like trip cancellation, accidents, major injuries, hospital expenditures, missing luggage, emergency evacuation, and other losses experienced while traveling. Some travel insurance plans also include personal property loss and helicopter.

Evacuation.

The critical issue is getting your money back from the insurance provider; don’t you think it is a hassle? Anyone who joins the trek and trip in Nepal with us needs not worry; we will assist you in dealing with your insurance provider, and everything will be reimbursed by insurance directly, eliminating the need for you to file a claim. Please feel free to contact us for more details.

We would be glad to plan a hassle-free trip to Nepal if that is what you want. So, there you go, our bellow adventurous travelers! The meaning of travel and rescue insurance We hope this has answered your curiosity about travel and rescue insurance in Nepal.
Once you are well informed, you can choose what is best for you.

Helicopter Rescue for travel and rescue insurance

On the trekking, there are few medical posts on the trailhead; the Himalayan Rescue Association operates aid posts in Pheriche (Everest Trekking) and Manang ( Annapurna Circuit trekking); the Khunde Hospital on Everest trekking are all staffed by Western doctors. However, most accidents or illnesses will occur without reliable medical care. Trekking will rescue you if you are ill or injured in the mountains above the Himalayas.

If minor injuries, health problems, and altitude sickness are suspected, our staff will contact you immediately; for more serious medical issues, emergency helicopter rescues will be arranged by Above the Himalayan Trekking.

Guaranteeing for Payment

Helicopter rescue services will rarely come to your aid without you either making a cash deposit or a promise in Kathmandu. While you are trekking with Above The Himalaya Trekking, we will arrange the rescue and initial payments and claim the amount from your insurance company again. Be sure you have insurance covering emergency helicopter rescue.

 Below are the recommended insurance companies from our past customers, and this is only a recommendation for 2024/2025.

Recommended Travel Insurance Companies

For Travelers from the USA and CANADA

• Online Global Health Insurance
• Allianz
• Travelex
• Insure My Trip.com (Online Insurance Aggregator)
• Mondial Assistance
• Access America
• HCC Medical Insurance Services
• Good Neighbor Insurance (International Health)
• International Health
• Insuremytrip dot com
• Multinational Underwriters
• TIC Travel Insurance Coordinators Ltd
• Travel Assist
• traveling

For Travelers from England

• Campbell Irvine
• Specialty Group (UK) Limited
• FirstAssist Services Limited

For Travellers from EUROPE and SLOVENIA

• Assistance CORIS

For Travellers from AUSTRALIA and NEW ZEALAND

• Cover-More Travel Insurance
• CGU Insurance Limited

For Travellers from SOUTH AFRICA

• Travel Insurance Consultants Pvt. Ltd.