When trekking in the remote Himalayan regions, you’ll experience stunning landscapes and rich cultural experiences, but it also comes with risks like unpredictable weather, floods, landslides, and other natural hazards. Although accidents are rare, it’s important to acknowledge these potential risks. Therefore, travel insurance is mandatory for all Himalayan expeditions. Your insurance policy should offer complete coverage, including protection for unexpected events that might require emergency medical evacuation or repatriation. This provides peace of mind and allows you to fully enjoy your adventure.
Here are some common questions related to insurance:
- Do I Need Insurance?
Yes, you must have insurance if you travel with GST, and wise to have one if you travel on your own. - What type of Insurance contract do I need?
Your insurance must cover mountain rescue by helicopter and repatriation to your country of residence. Make sure the altitude that you are at during your trek is not a cause of exclusion from the rescue.
Verify the amount covered by the insurance, keeping in mind that a helicopter rescue in Nepal is a minimum of 3100 USD. Most treks above 3000m will mean your rescue needs a helicopter. If you are traveling for more than 3 months know that most insurance companies consider you an expatriate after the 90 days limitation, your contract will be void from there on. If you are mountaineering (climbing a peak or a mountain) you need a contract which covers search and rescue by helicopter in mountainous terrain. - Can I use my Credit/Debit card insurance?
For your credit/debit card insurance to function on your travels you must pay your plane ticket with this card. Ask your card insurance to send you a certificate that they cover helicopter rescues as well as all medical and rescue-related charges for high altitude sickness. - Which insurance companies do you recommend?
We recommend the following insurance providers due to their prompt, accurate, and efficient response: