Best Insurance for Trekking in Nepal 2022-2023

Nepal is one of the most popular destinations globally for Himalayan Adventure Trekking, Peak Climbing, and Mountain Expeditions. Most of those areas are in the remote mountainous part of Nepal in the Himalayas. Being a great travel destination, Every year, thousands of travelers and trekkers attracts to travel to Nepal and do trekking in the Himalayas. However, a significant question is comes to the surface before the planning of adventure.

Trekking Trail Nepal Pvt Ltd does not sell or organized any insurance program for our guests, except local staff. Yet personal travel insurance is must-have when traveling to Nepal and doing High altitude trekking, peak climbing, expedition, and other thrilling Himalayan adventure as Paragliding, River Rafting, Bungee Jump, Canyoning. Yet Travel Insurance is strongly recommended for strenuous and high altitude adventure and trekking in Nepal, like Everest Base Camp Trek 2022, Annapurna Circuit Trekking, Everest Three Pass Trekking, etc.

Best Insurance for Trekking in Nepal 2022 and Adventure Tours and Holidays

Travel Insurance is mandatory to join our Trekking Trail in Nepal, which you should insure for total expenses that may arise from the trekking for your safety. Your travel insurance plan must cover all medical / Travel issues as we as unforeseen accidents that may occur on the trekking trail. In such a case, you may take the facility like an air ambulance, helicopter rescue, Clinical attention, and so on. You can give us your insurance details at the meeting for all official procedures with our Trekking Trail Nepal Representative, Probably on arrival day or a day before our trekking starts.

  • Travel insurance is compulsory for travel and trekking, climbing or expedition in Nepal?
  • What should be cover on the travel insurance plan?

In short, and best answer to these above questions is YES! YOU NEED TRAVEL INSURANCE for adventure travel trekking in Nepal. Although not compulsory for accessible holidays tours.

Personal travel insurance is a must when traveling to Nepal and trekking, Peak climbing any other adventure activities in Nepal, so you need to have travel insurance. However, there are many plans of travel insurance policies available in the international markets. Unfortunately, they all come with un-matchable price and reliability, so you need to be very clear about what is covered and not covered in the insurance plan you will buy. Here is some idea about what your travel insurance should be policy cover.


Most trekking in Nepal, including Everest Base Camp Trek, Everest Three Passes Trekking, Annapurna Circuit Trekking, or any Peak Climbing and Expedition, involved high altitude creates an increased risk of altitude sickness. While you are on those treks, you need to ask your insurance company to provide the policy covering High Altitude Sickness. You should know that where you are trekking or climbing? And how high are the trekking trail is The Insurance policy should cover the evacuation by Helicopter in the case of emergency?


Accidents do not come with a warning. Not a single traveler wants to get accidents while they are on adventure holidays. However, it happens even we do not wish to. There is always a risk of accidents on Himalayan trekking and adventure so, the policy should cover all these possible accidents and when the emergency evacuation is needed.


Traveling in places like Nepal always has an illness probability as your body is usually not adapted to the food or hygiene levels. Hence, you need to make sure that your insurance policy covers the case of hazardous health and illness. At the same time, you trek and needed to evacuate for further treatment.


It is familiar to all the travelers that sometimes. The arrival of your baggage may delay or Damage, and you will not find it on your arrival at airports. They can be lost, occasionally, and even stolen somewhere, so; your travel insurance should cover on your these losses of your luggage and baggage.


There is delay or even cancellation for several days in Nepal domestic flights, mainly in the mountain parts such as Lukla Airport. Lukla is the entry point of Everest Base Camp Trek, similarly Jomsom for Upper Mustang Trek. Western Nepal and other mountain flights due to unflyable weather so, your travel insurance policy must cover these expenses raised by delays, or even sometimes we need to take charter helicopter flights, and it is not cheap in Nepal. So the policy should cover all these costs if you are traveling to Nepal. It needs to cover all flight cancellations and the cause of some reason beyond our control. Such as natural disasters or any other unforeseen, and your travel policy should cover the trip cost that you would be paid in already.


Suppose you want to buy any insurance with Indian Insurance for your Nepal Trekking or Adventure Holidays. Please Be aware!!! Insurance from Indian Company Like COVER MORE, UNITED INDIA INSURANCE, and HERITAGE HEALTH INSURANCE have not been good in their claim history. Nepalese evacuation company already sent us a circular that they will not be liable to work with this insurance as mentioned above while Trekking or Climbing in Nepal.

Here are Come Recommended Insurance from India

  • Bharati AXA Travel Insurance,
  • ICICI Lombard
  • HDFC Ergo Travel Insurance
  • Reliance Travel insurance
  • Bajaj Allianz Travel insurance

In conclusion, the best answer to the above question is YES! YOU NEED TRAVEL INSURANCE for adventure travel to Nepal. Although not compulsory for accessible holidays tours.

If you have not yet arranged any Insurance, here we have some recommended Travel Insurance Companies:

Travelex Insurance Services - Highly Recommended for Kilimanjaro Trek and Climb and K2 Base Camp Trek

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