Nepal travel insurance – What You Must Know

Get essential travel insurance tips for Nepal, Tibet, Bhutan & India, including high-altitude trekking, helicopter rescue, and top insurers by region.

At Mountain Sherpa Trekking & Expeditions, your safety is our highest priority. We strongly recommend that every traveler purchases comprehensive travel insurance before joining any of our trips. Your policy should include:

• Medical and personal accident coverage
• Emergency repatriation
• Air ambulance or helicopter rescue (essential for Himalayan treks)
• Trip cancellation and delayed departure protection

Most standard policies do not cover trekking above 4,000 meters, so it’s crucial to ensure your insurer understands your full itinerary. For high-altitude treks and climbing expeditions in Nepal, coverage for helicopter rescue and medical evacuation is vital.

For urban or cultural group tours, helicopter rescue coverage is optional. In Tibet, Bhutan, and India, helicopter evacuation is generally not required, as these destinations do not offer such rescue services.

When you book your trek with us, we can help you choose the right insurance policy and advise you on the best companies that provide coverage for trekking above 4,000 meters.

All participants on our adventure tours must carry a copy of their travel insurance policy. Our expert team is available 24/7 and ready to coordinate professional mountain rescue services whenever necessary.

Travel with confidence—choose reliable insurance and enjoy a safe, worry-free adventure across the Himalayas.

Best Travel Insurance Recommendations by Region
For USA Travelers

If you’re traveling from the USA and planning high-altitude trekking in Nepal, choose a policy that specifically covers high-altitude activities and emergency medical evacuation.

AIG Travel Insurance
AIG offers reliable coverage for trip cancellation, medical emergencies, travel delays, and more. Their policies include 24/7 global assistance, easy claims support, and a user-friendly app for quick access to policy details and emergency help.

Travel Guard (by AIG)
Travel Guard provides comprehensive protection, including medical expenses, emergency evacuation, trip cancellation, and optional adventure sports coverage for trekking and mountaineering in Nepal. They are known for excellent customer service and efficient claims handling.

For Australia & New Zealand Travelers

Allianz Global Assistance
Allianz offers adventure-specific plans covering trekking, mountain climbing, rafting, and high-altitude activities. Available in both Australia and New Zealand through Allianz Partners, they provide 24/7 emergency assistance, medical support, and flexible trip options (single-trip, multi-trip, domestic).

Cover-More
Cover-More is a trusted insurer with over 30 years of experience in Australia and New Zealand. They offer robust coverage for trip cancellation, emergency medical care, baggage issues, and optional adventure sports add-ons. Known for fast claims processing and strong customer support.

For European Travelers

Europ Assistance
Europ Assistance offers comprehensive plans suitable for Nepal travel. Their coverage includes high-altitude trekking, medical evacuation, repatriation, and 24/7 emergency medical support. Travelers should review altitude limits, activity exclusions, and pre-existing condition rules to ensure the policy fits their needs.

Final Tip

No matter where you’re traveling from, always confirm that your policy covers:

1. Trekking above 4,000 meters
2. Helicopter rescue or emergency evacuation (where applicable)
3. Trip cancellation & interruption
4. Personal liability