Best Travel Insurance for Trekking in Nepal
Trekking insurance Nepal
Nepal is a very popular destination for trekkers. It offers the best of the natural landscapes. Find majestic mountains, a very diverse and fascinating culture. Locals are also very welcoming to guests.
Each year, thousands of trekkers visit Nepal. They visit the Base Camp of Mount Everest and the Annapurna Circuit to see the beauty of its trails. While in Nepal, you will experience what trekking and responsible trekking are all about. But also at the risk of altitude sickness, injury, and bad weather.
That is why a good travel insurance plan is so important. A great insurance package also covers you in emergencies. At the same time, it gives you peace of mind throughout your trip.
Do you need travel insurance for trekking in Nepal?
Trekking in Nepal is an amazing adventure. But it also brings with it great challenges and risks. They present themselves especially in remote high-altitude areas. That’s to say that you do not have a choice but to get travel insurance.
Rugged tracks, unpredictable weather, and limited access to medical care. It is limited to see that what was to be a minor issue has grown into a serious one.
One of the factors for which you get travel insurance is the issue of altitude sickness. At 3,000 meters and beyond, many travelers experience altitude sickness symptoms. You can have headaches, dizziness, or fatigue.
In very serious cases, we require emergency helicopter evacuation. It can run into thousands of dollars. If you don’t have insurance, you will have to pay that out of pocket.
Beyond medical issues, travel insurance also covers routine travel interruptions. Flights into places like Lukla or Jomsom, which are remote, are very much at the mercy of the weather. We see delays or cancellations here often.
You miss a flight or must change plans, insurance steps in to cover those extra expenses. Another issue we must consider is the issue of safety. We see that trekking trails are steep, rocky, and slippery.
A small fall or twisted ankle may put an end to your trip early and require medical care. We have insurance that allows us to access care right away without having to worry about costs. Travel insurance offers coverage for other issues. It covers things like lost luggage, stolen items, and trip cancellations.
Having proper insurance coverage will do for you what is best for your health and finances. And in turn allows you to fully enjoy the beauty and adventure that Nepal has to offer.
What does trekking & travel insurance in Nepal cover?
Travel insurance for trekking in Nepal should be picked very carefully. Regular travel policies do not include the special risks of Himalayan trekking.
For the most part, treks go to remote locations at high altitudes. You see great changes in the weather. So you should choose insurance that has specific coverage for the duration of your trip.
Below is a comprehensive list of essential coverage options:
1. Emergency Helicopter Evacuation
In Nepal, one of the key features of trekking insurance is helicopter rescue. Many treks go into the mountains, which are remote from roads and have limited access to medical care.
At a high elevation, if you suffer a health emergency, the only option is a helicopter evacuation. In this case, the cost may be over $5,000, which also depends on location and weather.
Without the right insurance, you will pay out of pocket. Also, see that your policy includes helicopter evacuation at high altitude.
2. Medical Care and Inpatient Care
Your coverage should include minor issues and serious health concerns. Minor ones include altitude headaches or dehydration. And serious issues like broken bones or infections. It includes doctor visits. Gain access to ambulance transport (if available), hospital stays, surgery, and prescribed medicine.
In areas that are remote, health care is limited. Many trekkers must be taken to Kathmandu for proper treatment. Your policy should also include coverage of these expenses during the trek.
3. Trip Cuts, Interruptions, or Delays
You can face unforeseen changes in the weather. Facing airline problems or personal emergencies may cause trip delays and cancellations. At times, we must put off domestic flights in the case of poor weather in areas such as Lukla or Jomsom.
If your trip is cut short or cancelled completely, a good policy will cover you for the prepaid expenses. It includes flights, hotel bookings, trek permits, or tour fees. Also, look for what is included in the policy. In the case of injury or a family emergency which may cause you to leave the trip early.
4. Missing, Stolen, or Delayed Baggage
Your trekking equipment, clothing, and gear are a must for your trip. We find that bags can go missing or get delayed when you fly into Nepal or for domestic flights.
Insurance for when your luggage goes missing or is delayed will get you a replacement item. Things like trekking boots, jackets, or sleeping bags. Some policies cover stolen items as well. It is a plus while traveling in high-traffic areas.
5. Adventure Sports Coverage
Standard insurance policies do not include coverage for trekking. Likewise, they won't cover other high-risk outdoor activities. For trekking in Nepal, you travel over 3,000 or 4,000 meters and beyond. You need a plan which includes “adventure sports” or “hazardous activities.
This includes high-risk activities. It includes paragliding, white-water rafting, zip lining, and bungee jumping. Also, check the provided list of covered activities. See if high-altitude trekking is included.
6. Accidental Death and Permanent Disability
This coverage provides for a serious accident during your trip. This results in permanent disability or, at worst, death. We may not like to think about it, but it’s also for your family's peace of mind. This kind of coverage is put in place for very rare and unfortunate situations.
7. Return of Remains
In the case of your death at trek, we will take care of the return of your body to your home country. This is a very important aspect of international travel insurance. It must not be left out of your plan. Repatriation out of remote areas is very costly, which is why it’s important to have coverage.
8. Personal Risk Coverage
This includes you if you do damage to someone or their property on your trek. For example, if you go out of control with your equipment. Or you are at fault in an accident, this coverage pays for the legal and compensation issues that arise.
High-Altitude Coverage: Must for Nepal Trekking
Trekking in Nepal has altitudes over 4,000 meters (13,000 feet), which is common. Trekkers need high-altitude coverage in popular trails. Treks like the Everest Base Camp, Annapurna Circuit, and Manaslu Circuit.
These journeywe put on our itinerary are at these extreme altitudes. That is why it is important to have travel insurance. One that includes high altitude trekking. See also:
Understanding the Risks of High-Altitude Trekking
At elevations over 4,000 meters, the air is thinner. In turn means less oxygen for your body. This can cause altitude sickness. It may present as mild headaches and nausea. It can cause more serious conditions. High Altitude Pulmonary Edema (HAPE) and High-Altitude Cerebral Edema (HACE).
These are life-threatening issues that require immediate attention. Most general travel insurance plans do not include medical issues at high altitudes. What happens if you don’t have coverage for high-altitude trekking? Your health care evacuation or treatment for altitude sickness will not be paid.
Why do Everest, Annapurna, and Manaslu treks require special coverage?
These popular trekking routes go up to 4,000 meters and beyond.
Everest Base Camp reaches up to 5364 meters at Kala Patthar.
Annapurna Base Camp sits at an altitude of 4,130 meters.
Manaslu Circuit scales to over 5,106 meters at Larkya La Pass.
These places offer a high risk of altitude sickness, adverse weather, and hard terrain. These treks require your travel insurance to include emergency coverage for that altitude.
You may need evacuation or treatment for an altitude-related illness. You may see large out-of-pocket expenses.
Helicopter Evacuation at High Altitudes
Trekker can fall ill with serious altitude sickness. Or get injured in a remote high-altitude area. A helicopter evacuation is a usual and, at times, the only option for getting proper medical care.
At high altitudes, helicopter rescue is a more complex and expensive affair. But it's manageable in the lower elevations. Insurance for high altitude trekking will cover these expensive rescues.
Extra Costs Related to High-Altitude Emergencies
For medical issues, evacuation is only the first step. It may also see the person needs special care in Kathmandu or even beyond to a foreign hospital. Without proper insurance to cover the costs, medical bills may add up to $ 10,000, sometimes even $ 20,000.
How to get the most out of your insurance for high-altitude trekking?
Before you buy a policy, see if:
The policy includes coverage for treks at 4,000 meters above sea level. (the highest altitude of your planned trek).
Emergency evacuation includes high-altitude helicopter rescue.
Adventure activities that include high-altitude trekking.
There are no height restrictions and no extra fees.
Does your Travel Insurance cover Trekking in Nepal?
Many people think that their regular travel insurance covers them for all activities. They do while abroad, which includes trekking in Nepal.
However, often, this is not true. What you get with standard travel insurance often includes restrictions for regular things. In turn, extend to high altitude, which is a big no-go for them. It is important to know what is and isn’t covered before you hit the road for your adventure.
What does regular travel insurance include?
Standard travel insurance covers the usual travel issues. Things like trip cancellations, lost luggage, delayed flights, and basic medical emergencies.
It includes illness or injury. Things occur during the average sightseeing and city tours. It is great for guests going to urban settings or low-risk destinations.
What is Not Covered in Regular Travel Insurance Policies?
If at 4,500 meters, you develop altitude sickness and require medical evacuation. Your regular insurance may not cover the helicopter rescue.
If you have an accident, like breaking a leg while hiking above the allowed altitude on a steep trail. It will be your responsibility, which includes all medical and rescue costs.
In some cases, injuries or illnesses result from activities such as ice climbing. Trekking off marked paths, or those that use a guide without proper permits, may not be covered.
What Can Happen If You Use Regular Insurance While Trekking in Nepal?
If you use normal insurance and go without the right insurance. The following things might happen:
Your claim may be rejected in an emergency.
You may end up paying out of pocket for rescue and treatment.
Providers may be hesitant to help, which in turn causes delays.
How to Avoid Problems: Get insurance for Adventure or Trekking
How to best protect yourself? Get travel insurance that is designed for trekking and adventure travel.
These plans:
Cover high altitude trekking and related medical issues.
Report on helicopter evacuation and rescue in remote mountain regions.
Expand to include a greater variety of adventure sports.
When you buy the policy, read the policy in full detail. Also, do reach out to the insurance company should you have any questions. Research what is covered for your trekking activities.
Best Insurance Options in Nepal for Trekking
While in Nepal for trekking, it is great to have the right insurance. We have put together a list of five that we trust for their adventure. These trek insurance policies are best for the challenging terrains of Nepal:
1. World Wide Nomads
World Nomads is a top choice for international trekkers and adventure travelers. Their policies include up to 6,000 meters. It's perfect for Everest Base Camp, Annapurna, and Manaslu. They also include emergency medical care. Get helicopter evacuation, trip cancellation, lost luggage, and travel delay.
They also have a great feature. You can buy or add to your coverage at any time during your trip, which is very handy for when your plans change. They have 24/7 customer support and an easy-to-use online claims process.
2. SafetyWing
SafetyWing provides a flexible and affordable travel insurance policy. It is mainly for long-term travelers and digital nomads. They have medical emergencies, evacuation, and some adventure activities covered.
At high altitudes, they don’t perform. It may leave out trekking at some height (mostly over 3000 meters). They are better for low altitude treks or if you are tight with the cash.
For high-altitude trekking, what you do is check coverage very carefully. SafetyWing has a monthly model that is easy to renew. They do offer worldwide coverage with good customer support.
3. Global IMG (International Medical Group)
IMG Global is known for its in-depth medical insurance solutions for travelers. They have a plan for people into high-risk activities like trekking and mountaineering.
It includes high-altitude trekking. Emergency medical evacuation, repatriation, trip interruption, and lost baggage. They have a global network and are at your service 24/7 with medical help.
IMG, which is for the serious trekker who has a need for in-depth protection. It includes altitude sickness and emergency rescue.
4. True Traveller
True Traveller has a focus on ensuring adventure travelers. We see them include high altitude trekking coverage (up to 6,000 meters, which varies by plan). They offer medical and emergency evacuation services. Likewise, replacement of lost or stolen personal items.
They present flexible insurance options. You can customize by trip length and type of adventure.
True Traveller is known to have quick claim processes. They have open lines of communication. In turn, makes them a reliable option for trekkers who require stress-free coverage.
5. Global Rescue
Global Rescue is into high-end medical evacuation and travel security. They have plans that include a quick response for helicopter evacuation. We see advanced medical care coordination and worldwide coverage. It is great for high-risk trips in Nepal.
Though they may charge a premium, what they offer in service and quick response time is second to none.
Global Rescue also provides risk assessment and crisis response support. It is great for trekkers who are going on difficult or remote routes. This company is best for experienced mountaineers. It's recommended for people who want the best emergency support.
What is the cost of trekking insurance in Nepal?
The price of trekking insurance in Nepal is variable. It is affected by certain factors. It is the duration of your trip. Or the altitude of your planned trek, the level of coverage you choose for the policy, and your age and health.
In that sense, this is a large range of what you will put out for the insurance.
1. Basic Trek Protection for Low to Moderate Altitude Treks
For treks at or below 3,500 meters. It includes the Ghorepani Poon Hill trek. Or short walks in the Kathmandu Valley, insurance is usually in the range of $30 to $60 for a one-to-two-week trip.
These plans cover medical emergencies, trip cancellations, and lost baggage. But may not include high altitude evacuation.
2. Standard Adventure Trekking Coverage (up to 4,000 to 5,000 meters).
Common treks such as the Everest Base Camp, Annapurna Circuit, or Langtang can go over 4,000 meters. Insurance tends to be more expensive because of the greater risks.
The price of a two-week trip is between $70- $150. It varies based on the health issues. Things like high altitude illness, adventure activities, and helicopter evacuation, you choose.
3. Comprehensive Mountain Trekking Insurance
For very high pass treks, you want extra coverage. Passes like those that include Thorong La (5,416 m) or Larkya La (5,160 m). The insurance should cover accidental death, permanent disability, and repatriation.
Plan between $150 to $300 or more for a two-week plan. Also, see to include coverage for helicopter rescue, medical evacuation, and trip interruption.
4. Factors that affect Cost
Trip Duration: For long trips, you will pay more. It is to cover you for more days. Some insurers present monthly or annual plans. They are a good option for extended travel.
Age and Health: Older people and those with health issues may see higher premiums. It requires special policies.
Optional Add-Ons: COVID, which is what we see with the flu, and we also have coverage for adventure sports. It is an extra, as is personal liability insurance, which will raise the total cost.
How to Choose the Right Insurance for Your Trek?
Choosing the best travel insurance policy for your trip to Nepal. It includes trekking. You must pay attention to the details of your trek and your personal requirements.
Here are some key tips we put forth for you to choose the best insurance plan:
1. Think of your Trekking destination and altitude
Different trekking routes in Nepal do indeed vary greatly in altitude and difficulty. For the trek to Everest Base Camp, Annapurna Circuit, or Manaslu Circuit. If you are planning, do make sure your policy includes coverage for altitudes over 4,000 meters.
Some policies only cover lower altitudes. This doesn’t protect you against altitude sickness. Likewise, emergency evacuation from high passes.
2. Assess the distance of your trip
For each length of your trek, different insurance options may apply. We see short treks which last less than two weeks, and single-trip insurance is what you’ll mostly use.
For longer treks that extend past two weeks or for many trips within a year. We recommend you look at annual multi-trip plans, which in the end may save you money.
3. What is covered by these activities
If, for instance, you are into adventure sports. It includes paragliding, white water rafting, bungee jumping, or mountaineering. We recommend you check whether these are covered by your policy. Also, some standard travel insurances may not cover high-risk activities. Unless you have a paid add-on for that.
4. Review Health and Emergency Evacuation Coverage
Make sure that your policy includes emergency medical care, hospitalization, and helicopter evacuation. The mountains of Nepal can be very expensive. Check that the policy includes evacuation back to your home country if that is what you need.
5. Review Coverage for Trip Disruptions and Cancellations
Unexpected incidents may throw a kink in your trek. Things such as bad weather, political instability, or personal emergencies. Look out for insurance that covers nonrefundable trip costs. In case of emergency or cancellation.
6. Consider your health and pre-existing conditions
If you have preexisting medical conditions. Check what the policy includes or if you need a separate add-on. Some policies do not cover past health issues at all, which is why it is best to be open about them and choose wisely.
7. Check out the Policy’s claims process and customer support
Read up on reports of our insurance company’s claim process. In remote areas, check if an emergency issue can be addressed with fast and efficient claims. It also has 24/7 customer support as a savior.
8. Compare also Insurance and Coverage options
Don’t base your decision on price alone. Compare what each policy includes and the terms for medical care. It needs to offer evacuation and personal liability. At times, it may cost you to pay a little more at the start, which in the end will save you thousands.
9. Check the Fine Print
Carefully go over all terms of the agreement. It includes details on altitude limits, adventure activities, and claim procedures. Familiarize yourself with what is and isn’t included to avoid any surprises.
What is Not Covered by Most Plans
While on the trek, it is key that you have travel insurance for your safety. But also, it goes without saying that you should know what these policies don’t include. Knowing which items are left out of coverage is a step in the right direction. You avoid such issues that may come up at claim time in Nepal.
Here are some usual items which most trekking insurance policies do not include:
1. Present Onset Medical Conditions
Most insurance plans don’t cover diseases or injuries from pre-existing health issues. It can be heart disease, diabetes, or asthma. Unless you report them at the time of application and get special authorization.
If you have a known medical issue, check very carefully that the policy includes it. Or you will have to purchase coverage for it.
2. Accident related to Alcohol or Drugs
Accidents and health issues that are a result of alcohol use, drug use, or any other form of risky behaviour are very much the exception. If you find yourself injured because of being under the influence. These insurance companies may deny coverage of medical bills or evacuation.
3. Hiking without a licensed guide or permits
In some cases, you go into restricted areas or above certain altitudes without a licensed guide or proper permits. You can see that your insurance does not cover evacuation or medical care. That is because you are adding by going unauthorized.
4. Extreme Risk Activities Not Disclosed in Policy
Suppose you partake in adventure sports that are not included in your insurance plan. For example, in technical mountaineering, high altitude climbing, or dangerous sports. We may see claims related to accidents during such activities denied.
5. Acts of war, terrorism, or natural disasters
Many insurance policies do not cover some events. The result of war, terrorism, or natural disasters like earthquakes and floods. Some insurers do put forth separate plans. Be it political evacuation or disaster coverage, if required.
6. Routine medical screenings or Non-Emergency Treatment of health issues
Insurance does not include routine health issues. It includes your annual checkups, vaccinations, and non-life-threatening issues. They present before or during the trip. Also, health problems that present an emergency will be covered.
7. Lost or Broken Equipment Through Carelessness
If you lose, have your trekking gear stolen, or damage it through your own carelessness, insurance may not cover replacement.
How to Claim Insurance While Trekking in Nepal
Suppose you come across an emergency. It may include injury, illness, or lost luggage on your trek. It is important that you know how to file a claim fast and properly.
Here is a step-by-step guide we have put together to take you through the process as you are trekking in Nepal:
1. Stay levelheaded and assess the situation
Your health is our top priority. At the first sign of injury or illness, get medical attention. Report to local guides, your trekking company, or nearby health care providers as soon as you can.
2. Reach Out to Your Insurance Company Right Away
Most travel insurance has 24-hour emergency lines. Report the incident to your insurer as soon as you can. They will guide you through the next steps and may arrange for medical care or evacuation if needed.
3. Save all important papers and receipts
Gather and retain copies of all key documents related to your claim, which include:
Medical reports and prescriptions
Hospital bills and receipts
If theft or loss should occur, Police reports
Flight delay or cancellation notifications
Photos or evidence of lost/damaged belongings
These are the important documents for your claim.
4. Adhere to medical advice and treatment plans
Follow the advice of your health care providers exactly. Your insurance company may see to it that you go to certain medical facilities.
5. Submit the Claim Form
Once you can, ask your provider for the insurance claim form, which is usually available online or via email. Fill it out completely and honestly, providing all information asked for.
6. File Your Claim with Supportive Documents
Submit the completed claim form. Also, provide all receipts, reports, and evidence to your insurance company. Also, keep copies of everything for your records.
7. Stay connected with your insurer
Keep the lines of communication open with your insurer. Also, respond promptly, which may require more info or documents. This will help to avoid delays.
8. Report on the Claim Process
Claims may take days to weeks for processing, which is based on the degree of complexity. If you require updates or want to speed things up at any point, you may.
Also, some insurance companies have online platforms. You can use it to check in on your claim status.
9. Prepare for Emergency Evacuation if Required
If you have a serious condition that requires evacuation. Go to your insurer and local rescue teams for help. Do not pay out of pocket for an evacuation without first getting approval from the insurer. That is, unless it’s a true emergency.
Things to Know before you Buy Travel Insurance for Nepal
Buying the right travel insurance for your trip to Nepal is a must. However, the choice is vast, which can be daunting.
To that end, we have put together some important tips which you should be aware of as you shop for a policy:
1. Read the policy fine print closely
Insurance policies include, in fine print. The details of what is covered and what isn’t, which may also include claim processes and coverage limits. Care to pay attention to what you are including in your policy, as to what may surprise you later?
2. Review Altitude Parameters and Activity Range
Many policies have a set top altitude for what is covered by trekking, which is usually between 3,000 and 5,000. Check that your trip does not go above this. It is up to you to make sure your insurance policy includes adventure sports like trekking, mountaineering, or any other activity you plan to do.
3. Reach out to your insurer if in doubt
If at any point you find the policy to be unclear, reach out to the insurance company directly. Question anything related to altitude coverage, emergency evacuation, pre-existing conditions, and claim processes. Get that clarification upfront, which in turn will pay off in a crisis.
4. Compare various insurance plans
Do not go with the first policy that comes your way. Check out what different companies have to offer. Be it in coverage, cost, customer reviews, or claim processes. Find out which plans do the best job of balancing price and protection.
5. Think About Your Health and Travel Plans
If you suffer from health issues or are going on a very challenging trek, make sure the policy includes that. Some insurers need more of a health history report. Or they may present special options for high-risk travellers.
6. Keep a physical copy of your policy
Once you purchased them, keep digital and printed versions of your insurance policy. Emergency contact numbers and claim instructions. Take these with you during your trip for easy access.
Do you require Insurance for every trek in Nepal?
We recommend travel insurance for all travelers. Some treks in Nepal don’t need it. But in fact, it really does depend on the trek’s length, altitude, and how difficult it is.
For the short treks at lower altitudes. It may not seem like they would enjoy travel insurance. They do it can protect you against unexpected issues. Short treks that stay under 3,000 meters. As in day hikes around Kathmandu, Pokhara, or popular routes like Ghorepani Poon Hill. The risk is greatly lower.
These treks usually don’t reach very high altitudes or remote rescue situations. However, accidents, sudden illnesses, or travel disruptions can still happen. Therefore, get insurance that covers these risks, along with medical emergencies, trip cancellations, and lost baggage.
For the long-term trekkers, who include trips to Everest Base Camp, Annapurna Circuit, or Manaslu Circuit, insurance is a must. We see risks of altitude sickness and injuries. At those heights emergency evacuation need is great. High altitude insurance is key to avoiding large medical bills and helicopter rescues.
Finally, in the end, whether you are taking short or long, we believe that insurance gives you peace of mind. It also gives you access to medical care and financial support. If the unexpected happens. On easy treks, it is a smart decision for travelers to have some insurance in pocket when visiting Nepal.
Is Trekking in Nepal Safe?
Trekking in Nepal is a safe option for most travelers. It is a result of well-established trails, experienced guides, and a welcoming local community.
Popular trails such as the base of Mount Everest, the Annapurna Circuit, and the Langtang. See very large numbers of trekkers each year, who report only a few serious accidents. Any adventure sport, it includes risks like altitude sickness, weather changes, and physical strain.
To avoid danger, do your research and choose a route that matches your fitness level. Acclimate properly to high altitude, and go with the flow of your guide. Also, pack basic gear, stay hydrated, and familiarize yourself with basic first aid.
While rare, accidents and illnesses occur in remote mountain areas. Some have access to a few medical facilities, but issues do arise.
Everest Base Camp Travel Insurance
The Everest Base Camp (EBC) is a very popular trek. It is one of the highest in the world, reaching altitudes of over 5,364 meters. Because of its tough terrain and high elevation, it is a great risk. This is why we recommend you have travel insurance. One that is designed for high altitude trekking.
Solid travel insurance for the EBC trek will cover emergency medical care. They provide helicopter evacuation, and altitude sickness. It should include trip cancellation, lost baggage, and travel delays. They are as common as flights to Lukla, the base of the trek, which are at the weather’s mercy.
Many trusted providers. It includes World Nomads, IMG Global, and True Traveller, which have policies that are tailored to the Everest trek. Before you hit the trail, check that you know what your policy covers on altitude and emergency evacuation. With proper insurance, you may better enjoy the Himalayan adventure.
FAQS
1. Do I have to purchase travel insurance before I leave for Nepal, or do I get it once I am there?
No, you need to get travel insurance from your own country. Most local companies do not provide full trekking insurance, so it is best to get a policy from home or online before you go out on your trip.
2. Can I have a policy that covers several treks in Nepal at once?
Yes, also many insurance options that cover a variety of trekking activities for an entire trip are available. Make sure your policy’s duration includes your travel dates.
3. Does travel insurance cover altitude sickness?
Good quality trekking insurance will cover altitude sickness treatment and emergency evacuation if needed. But some policies may not include coverage for mild symptoms that do not require hospital care; read your policy terms.
4. If I am denied or the processing of my trekking permit is delayed, what do I do?
Some insurance options cover trip delays or cancellations, which may include government permit issues or natural disasters. Also, check that your policy has trip interruption and cancellation coverage.
5. Can you file a claim for lost trekking gear?
In the case of baggage loss or theft is covered by your policy. Please check if they cover negligence or unattended items.
6. Are mental health issues addressed in trekking?
Most of what is included in standard travel insurance does not cover mental health issues or related treatments. We recommend you check with your insurer if this is an issue for you.
7. Will my insurance cover remote or unknown areas?
No, they do not cover uninsured trips that go off authorized paths or that don’t have the right permits. Do it by the rules and follow what the local rules say.
8. Can I get travel insurance for short trips or day hikes?
Yes, some insurers provide annual or short-term plans that may be used for a day hike or a short trek at lower altitudes.
9. Is coverage for COVID-19-related health issues included in trekking insurance?
Some providers have added coverage for COVID-19 out-of-pocket and quarantine-related expenses to their plans, but what is included in that coverage is very broad and varied. Check with your provider to see what is covered.
