travel health insurance for nepal

Top Travel Insurances For Nepal You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Known the world over among travel enthusiasts and mountaineers, Nepal is known for its stunning high-altitude landscapes like Mount Everest and Kanchenjunga, as well as its rich cultural heritage and beautiful temples like Pashupatinath Temple. Although travelling to Nepal can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Nepal and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Planning to trek or climb? Then this article isn't for you; we only cover options for casual tourism to Nepal. For high-altitude climbing, hiking, or trekking, you'll need to find specialist insurance without altitude limits.

Nepal Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Nepal:

Best Travel Insurances for Nepal

• 01. Do I need travel insurance for Nepal? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Nepal scroll down

Heading to Nepal soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory in Nepal?

Yes, travel insurance is mandatory for travel to Nepal. This means that as a traveller to Nepal, you must provide valid travel insurance coverage for the entire duration of your stay. If you don't arrive with travel insurance, you risk being denied entry into Nepal, or even deported in certain cases.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Nepal or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Nepal:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Nepal, no matter whether you're on safari in the Chitwan National Park or exploring the back alleys of Kathmandu.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to Nepal, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Nepal:

• Policy Names: Varies
• Medical Coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip Coverage: Excellent - but only available for US residents.
• Customer Support: FAQ, live chat and phone support
• Pricing Range: USD 25 to USD 150 /traveller /month
• Insurance Underwriter: Lloyd's, Petersen, and others
• Best For: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option for Nepal, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy Names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical Coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip Coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer Support: FAQ, live chat, phone support
• Pricing Range: USD 80 to USD 420 /traveller /month
• Insurance Underwriter: David Shield Insurance Company Ltd.
• Best For: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads in Nepal because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy Names: Nomad Insurance, Remote Health
• Medical Coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip Coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing Range: USD 45 to USD 160 /traveller /month
• Insurance Underwriter: Tokyo Marine HCC
• Best For: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Nepal? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Nepal

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, travel insurance is mandatory for travel to Egypt. This means that as a traveller to Egypt, you must provide valid travel insurance coverage for the entire duration of your stay. If you don't arrive with travel insurance, you risk being denied entry into Egypt, or even deported in certain cases.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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7 Best Nepal Travel Insurance Plans for US Citizens in 2024

Updated on January 10, 2024 by Matthew H. Nash – Licensed Insurance Agent

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Nepal travelers. Learn more at the end of this page.

STARTING PRICE FOR 2-WEEK TRIP TO THE NEPAL

CAN YOU CANCEL YOUR TRIP FOR ANY REASON? 

BEST  WEBSITE FOR

Comparing Policies

• Compare dozens of the best Nepal travel insurance policies from all the major providers in one place
• Easily filter for the features you want and get support from their award-winning customer service team
• Founded in 2013, TravelInsurance.com has helped hundreds of thousands of travelers find affordable insurance coverage

BEST POLICY FOR

Fast Claims

• Super fast claims via their 100% digital platform with a helpful mobile app
• Faye makes it easy to add-on coverage for vacation rentals, adventure/extreme sports, pet emergencies, and “cancel for any reason” at competitive prices
• Underwritten by Crum & Forster, Faye is known for its exceptional customer support, with 4.8/5 stars on Trustpilot

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

Travelers Aged 55+

• Pre-existing medical conditions are covered for a reasonable fee and they offer “cancel for any reason” as an add-on
• $2,000 COVID quarantine coverage available w/ Safe Travels Voyager plan
• Founded in 1998 and underwritten by Nationwide and GBG Insurance

BEST WEBSITE FOR

Filtering Plans

• This comparison website has the most comprehensive filters especially for Covid-19 which helps you search for the specific benefits you need
• They have “Zero Complaint Guarantee” which promises a fair claims process
• Established in 2003, Squaremouth has consistently been recognized for it’s exceptional customer service

BEST POLICY FROM

An Established Brand

• Well rounded, inexpensive travel insurance plans from an established and top rated global insurance company
• AXA has plans that cover pre-existing conditions and their “Platinum” plan covers “cancel for any reason” with an optional add-on. They also offer helpful 24/7 Worldwide Travel Assistance Services
• Founded in 1959 and underwritten by Nationwide

Family Travel

• Their “Trip Interruption for any Reason” feature allows you to get a 75% reimbursement for any additional expenses if you decide to go home early from your trip
• They have a variety of insurance products to suit any travel needs
• Founded in 1993 and underwritten by Nationwide Insurance

Long-term Travel

• Ideal for digital nomads and long-term travel, available to anyone anywhere
• Scored lower because short-term travel coverage isn’t as robust as competitors
• Founded in 2018 and is underwritten by Lloyds of London

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

Nepal travel insurance FAQs

Is it worth buying travel insurance for trekking in nepal.

Nepal travel insurance protects you financially against lost or stolen luggage, medical emergencies and evacuations, and trip cancellations or interruptions. You can even opt for “Cancel for Any Reason” coverage, or CFAR, to guarantee more flexibility. With travel being expensive these days, having the right policy can reimburse your travel costs should an unforeseen event interfere with your vacation, saving you from a significant financial loss. In medical emergencies, trip insurance provides crucial assistance, including coordinating medical evacuations and airlifts and admitting you to hospitals meeting US standards. The best travel insurance policy gives you peace of mind and will prove worthwhile for Nepal. In addition, depending on your age, most plans only cost approximately 2-3% of your total trip cost, making it highly affordable.

When should I buy Nepal travel insurance?

To get the most from your coverage, we recommend purchasing Nepal travel insurance, especially a Trip Cancellation plan, immediately after you book your vacation. This will ensure that you and any of your insured travel companions are protected against unexpected events prior to and during your trip. Remember that if you want a “Cancel for Any Reason” (CFAR) or Pre-Existing Condition optional upgrade, you must buy them within 14-21 days of paying the deposit on your vacation. Please verify with your preferred insurance provider for their specific requirements.

How many people can my Nepal travel insurance cover?

This depends on several factors, but all travelers wishing to be insured on the same plan must have the same travel dates and itineraries and reside in the same US state. The maximum number of people for Single Trip policies is 10. Any one of your travel companions who has a different travel itinerary to you or lives in another state must get their own policy. If 8 or more of you are traveling together, consider looking into group policies, as they are often cheaper and do not require that all travelers have the same itinerary or live in the same state. The only stipulation is that everyone must be US residents, and you still get the same dynamic coverage that you would get with a standard travel insurance plan.

Where can I find the cheapest Nepal travel insurance?

Instead of seeking the cheapest Nepal travel insurance, look for the one that best meets your coverage needs. First, use a comparison site like WithFaye.com to narrow down all policies that fit your criteria. Then, you can click the option to sort by price and choose the most affordable policy.

Do Nepal travel insurance plans cover a relative’s death?

This varies between policies. Many cheaper Nepal travel insurance plans will not offer bereavement benefits if your relative passes away from a pre-existing medical condition or commits suicide. However, some plans with higher premiums may reimburse you no matter your relative’s cause of death. Lastly, you’ll want to find out what each provider considers a “relative” to be. Does that include your siblings? Aunts and uncles? Grandparents? Cousins? Pets? Every insurer has different terms, so to be on the safe side, read the full details of any policy before buying it and follow up with the insurer should you have any lingering questions.

How do insurers define baggage loss? What does that benefit cover?

Baggage loss coverage is a complex topic. Baggage loss benefits ensure that if your baggage or personal effects get stolen, damaged, lost or destroyed during your time in Nepal or traveling to and from there, your provider will reimburse you up to the Maximum Benefit Amount listed in your policy. This even covers when your bags are checked with a hotel, common carrier or travel supplier. Of course, in such instances, the amount your travel insurance provider would reimburse you would be reduced by the amount the responsible party owes you. All travel insurance plans state Maximum Benefit Limits on a per-person basis, and it denotes the highest total your insurer will reimburse you for stolen, lost or damaged luggage. The total per-person reimbursement is also calculated based on the Per Article Benefit. This is the maximum amount your provider will reimburse you for each lost, stolen or damaged item during your travels. However, there is something called a Combined Article Limit for items such as watches, furs, jewelry, electronic devices and more. Therefore, should you lose one or more of these specific items, the most your insurer will reimburse you for all of them is the amount stated in your policy as the Combined Article Limit, even if their value exceeds it. The good news is that depending on your state of residence, your Nepal travel insurance plan may not have such restrictions. To better understand this, let’s imagine that your policy has a $2,500 Maximum Benefit Limit, a $500 Per Article Benefit and a $750 Per Article Limit. If your suitcase gets lost, your insurer will reimburse you depending on each item’s real value, but never more than your $500 Per Article Benefit. So, as a result, if there was a $1,000 coat in your lost suitcase, you will only get back $500, even if you haven’t reached your policy’s Maximum Benefit Limit. Let’s imagine you lose 2 items listed in your policy’s Combined Articles Limit section. The most you will get in return is $750, no matter how much greater their individual or combined value may be. Total reimbursements for all items cannot exceed your policy’s $2,500 Maximum Benefit Limit. Keep in mind that your Nepal trip insurance provided will require documentation to support your claim of possession and loss before they reimburse you. Proof of ownership can include police reports, original receipts, photographs, and letters from the responsible party (i.e., your travel carrier, hotel, etc.). Review the full details of your travel plan to ensure you know the different limits of your baggage loss coverage.

Will my Nepal travel insurance plan cover extreme sports and adventure activities such as trekking?

Most travelers to Nepal are there to experience world-class trekking, including Annapurna and Mt. Everest, and other adventure sports. With a high risk of injury, securing a travel insurance plan that covers these activities is essential. To find an insurance provider for this level of coverage, I suggest using SquareMouth.com and selecting their “Sports & Activities” filter. Doing so will allow you to enter the specific activities you plan to participate in while on vacation in Nepal. Once you submit your query, it will show you all of the available plans that provide your requested coverage. Remember to read all of a policy’s details before buying.

Will my travel insurance plan cover the inherent costs that come with canceled flights?

The vast majority of the time, trip insurance will cover canceled flights. For example, you can expect to be eligible for benefits if your flight gets canceled at least 24 hours before departure due to inclement weather, an employee strike or a natural disaster. However, if you need to cancel your flight, there are some circumstances under which you could be reimbursed. These include the illness, injury or death of an insured travel companion or your own medical emergency. Additional approved reasons include civil unrest in your location or destination, a jury duty summons or unexpected military deployment.

Most common problems while traveling in Nepal and how to avoid them:

Altitude sickness is a typical illness that travelers in Nepal experience, especially those who insist on trekking without a local guide or sherpa and don’t appropriately pace their ascents and descents. Travelers Diarrhea is another illness that plagues those who visit Nepal. TD, a stomach and intestinal condition, also manifests with several other symptoms, including fever, headache, abdominal cramps, bloating and more. Make sure you eat food that has been cooked properly–piping hot!–or raw produce that has been washed well. Other health risks include dengue fever and malaria. Should you lose your appetite, get dizzy and nauseous and develop a high fever, consult a doctor immediately. If left untreated, both of these can be fatal, especially if you allow yourself to become dehydrated.

When people think of Nepal, they often think of mountains–8 of the 10 world’s largest! And when it comes to accidents and injuries, most are the result of trekking expeditions throughout the country. Twisted ankles and frostbite are among the most common injuries among travelers in Nepal. Falling victim to natural disasters such as earthquakes, landslides and blizzards are also possible. Another potential for accidents is tied to riding buses. Buses in Nepal are old and often poorly maintained, as are the country’s treacherous mountain roads.

Pickpockets and muggers are particularly active in busy transportation hubs, the Thamel area of Kathmandu and other busy areas packed with tourists. Money belts are a smart choice as long as you wear them correctly–under your shirt and the waistband of your pants. Also, if you must take a bus anywhere within the country and hand over your luggage to be stowed away, keep all of your valuables in a small backpack that you carry onboard so that they don’t get stolen during stops along the way.

Emergency resources for the United Kingdom 

Phone numbers.

To contact the police, dial 100 from any phone or 101 for the fire department.

US embassy or consulate details

The US Embassy is located in Nepal’s capital city of Kathmandu. Please consult the website for their hours, phone number, address and information about citizen services. To be on the safe side, you can register your trip to Nepal with the Department of State via their Smart Traveler Enrollment Program . Whenever you list your travel plans with STEP, the State Department will send you special travel alerts for your destination. It also makes it simpler for the US Embassy in Nepal to communicate with you and your family in an emergency.

Other local knowledge that is helpful for travelers

Accommodations.

Nepal offers a wide range of accommodations catering to all budgets, ranging from backpacker hostels and small family-run guesthouses to 5-star hotels and luxury resorts. While your accommodation is covered during your treks, you will still need to book a place to stay in Kathmandu or the surrounding areas for the night of your arrival in Nepal and any additional time you wish. In Kathmandu, most travelers stay in Thamel, the historic part of the city, which is packed with restaurants, shops, and cafés. Pokhara, a lakeside town, is the other most popular destination for tourists in Nepal, which abounds with comfortable guesthouses and restaurants. Avoid staying anywhere called a lodge (or “hotel and lodge”) and is excessively cheap. These places are often stark and uncomfortable, with unsanitary bathrooms and cold water showers. However, in the mountains, lodges can be pretty comfortable and primitive with hospitable owners.

The national currency is the Nepalese rupee (NPR). Note that the NPR is not exchanged anywhere else in the world. In fact, it is illegal to take Nepalese rupees out of the country. Therefore, you must exchange your NPRs for another currency before departing. You can do so at the airport or usually in Kathmandu. The Nepalese rupee comes in 1, 2, 5, 10, 20, 25, 50, 100, 250, 500, and 1000 NPR notes, along with NPR 1, 2, 5, and 10 coins. Since Nepal is primarily a cash-based society, always keep plenty of cash on hand. While this is not the norm in other countries, you will get the best exchange rates at the airport. Also, ATMs are available in touristy areas, but they are far less prevalent than you are used to in the States. Having US dollars of larger denominations ($100 or $50) will simplify your life since Foreign Currency Exchanges are available in places like Kathmandu, Pokhara, and Lumbini. You will need to show your passport to exchange currencies, and always remember to save your receipts from these exchanges. Should you use ATMs in Nepal to withdraw funds, you must notify your US bank of your travel dates and destination, so they do not block your card due to “suspicious activity.” You will need your PIN, so be sure to have it committed to memory before leaving home.

Eating in Nepal can be an absolute pleasure, as Tibet and India have highly influenced their cuisine. Nepali dishes are loaded with vegetables, meats, spices, lentils and chickpeas. The most popular dish among locals is dal bhat, which, if you get the complete Nepali khana set, usually includes rice, a small serving of lentil soup, curried vegetables, pickles, some raw vegetables and a dairy sauce or yogurt. Dal bhat is healthy and filling. Another comparable meal to the Nepali khana set mentioned above is the Takhali Thali, which hails from the Mustang region of the country. Like the khana, the thali comes with rice, buckwheat, maize, millet, dal, pickles and vegetables. Nepali people also love their momos! These are steamed dumplings filled with spices and vegetables or meat that are served with chutney. Almost as popular as momos, but not quite, are samosas, also found throughout the Indian subcontinent. These are fried savory pastries filled with spices, potatoes and other vegetables that are served with chutney. While there are several other much-loved snacks and dishes in Nepal, these are the best. Just don’t forget to try a piping hot cup of Nepali masala chia at least once, particularly if you go trekking. It’s comparable to Indian masala chai (tea). Lastly, do not waste food. Nepalis waste nothing and will polish their plates. Wasting is not only an insult to the chef, but it symbolizes a lack of respect for the abundance you are given. After all, Nepal is an impoverished country and people value what they have. On the other hand, asking for seconds is a great compliment to the chef.

Getting Around

How you get around Nepal may vary based on where you go and what you plan to do. Whether you go by bicycle, motorbike, bus, mini-bus, or airplane, traveling throughout this mountainous country requires some planning due to the poor condition of the vehicles and roads. Whenever you’re in any Nepali city, tuk-tuks, taxis and your own feet are the most reliable options for getting around. For tuk-tuks, ensure that you establish a fare for your destination before you set off. You may have to do the same with taxis if you can’t find a driver willing to use the meter. While bus travel seems to be the most popular mode of transport, it’s important to point out that it comes with significant risks and is quite dangerous. Thousands of bus accidents occur yearly, resulting in many deaths and injuries. Avoid Local and Regular buses if possible since there is little comfort, and people travel on the roofs and floors. Instead, purchase tickets for Tourist, Express or Deluxe buses where you will enjoy a reasonable amount of comfort. Even though Tourist Buses are the most expensive, they are still very budget-friendly. Mountain biking trips throughout Nepal have become incredibly popular in recent years. You can take one-day or multi-day cycling trips on the Annapurna Circuit, to remote villages, from Kathmandu to Pokhara and beyond. The longest trips on offer last approximately 16 days. Always seek a reputable company to take your mountain biking trips with, as they can supply you with appropriate gear and bikes and provide an abundance of cultural and trail knowledge. This is the best way to minimize injuries and maximize your overall experience of Nepal. Should you choose to rent a motorbike to explore the country, only do so if you’re used to riding motorbikes or motorcycles back home, as the rough roads in Nepal can pose a real threat to your safety. Also, to drive in Nepal, even a motorbike, you will need an International Driver’s Permit (available through AAA online/mail or in-person) and your US driver’s license. Finally, if you decide to rent/hire a car, it’s probably best to hire a driver since they know the roads well. Flying is another option for moving around Nepal, as small airports and airstrips are scattered throughout this Himalayan country. The three airlines you can book tickets with are Nepal Airlines (government-run), Yeti Airlines and Buddha Air–the latter two are privately owned air carriers with better performance and safety records. The most common flights people take are from Kathmandu to Pokhara, particularly among those who plan to trek the Annapurna Circuit and Lukla for those who want to do an Everest Base Camp trek. While flying can save you a tremendous amount of time and score you some breathtaking views of the Himalayas, please note that Nepal does not have the best air safety record.

Local Customs & Etiquette

Knowing how to greet people is an important aspect of life in Nepal. In Nepal, people greet one another with “Namaste” and put their hands in a prayer position. Namaste means “the light in me honors the light in you.” The more respect you intend to show, the higher you hold your hands. For example, if you meet elders or monks, you might want to raise your prayer hands in front of your face. Whereas with others, you can place your hands in prayer at the center of your chest. Groups of men tend to greet one another individually with handshakes instead. When in doubt, follow the lead of the locals with whom you’re interacting. Nepal is a “right-handed” community like many countries in the region. This means that Nepali people view the left hand as dirty. It is the hand people wipe themselves with when using the bathroom. And since most Nepalis do not use toilet paper, you can imagine the disgust they might experience if you pay for your meal by handing them cash with your left hand. In short, if you shake hands or give something to someone, always use your right hand. If you receive an invitation to a Nepali home, remember to remove your shoes before entering. You may see shoes outside the front door or just inside it, so act accordingly. This keeps outside dirt and “bad energy” from spreading throughout the home. Unlike in the US, people in Nepal do not touch one another’s heads. The head is sacred for them as they perceive it to be their connection to divine energy or spirit. Respect this custom completely, even with babies. Furthermore, dress modestly while you’re in Nepal. This is a very traditional country, and it’s important to respect their customs around clothing, especially when visiting a temple or a stupa. Appropriate attire includes pants or skirts that cover the knees and reach your ankles as well as tops that cover your shoulders. Tops that reveal cleavage or show one’s knees is not acceptable. Also, remember to remove your shoes before entering a temple and refrain from taking photos, as most temples prohibit it. While in Nepal, you may see men and women walking separately by gender. It’s typical to see men walking with their arms around one another or holding hands; the same goes for women. Since PDAs are frowned upon in Nepal, these tactile gestures between people of the same gender have nothing to do with sexuality. Instead, it is a form of acceptable affection between friends. Another quirk about the people of Nepal is their laid-back attitude towards time. While most adventure sports and activities usually take place relatively as planned, most meetings do not. So relax and get on Nepali time! Lastly, do not be caught off-guard by the Nepali habit of spitting. Nepalis spit frequently and everywhere, so watch out you don’t end up in the line of fire.

Public bathrooms, or “toilets” as they are known in Nepal, are in major shortage, even in the capital of Kathmandu. So it’s always best to grab a drink at a café or a meal in a restaurant and use their bathroom instead. Many businesses catering to tourists will have Western-style toilets, while smaller businesses may have squat toilets. Should you end up using a public toilet, expect to pay a minimal fee and don’t be surprised if you get asked, “Short toilet or long toilet?” This does not mean what you probably think it does. You declare “short toilet” if you need to pee and “long toilet” if your bowels need to move. It may seem odd or embarrassing to say your intentions for the toilet publicly, but it’s the norm in Nepal. A “long toilet” will cost you slightly more. If you cannot find the lever and it comes time to flush, look to see if there is a bucket and a water tap in your stall. If so, you’ll have to manually flush the toilet by filling up the bucket and pouring the water into the toilet.

First and foremost, always tip in Nepalese rupees, not dollars. Tipping is expected in restaurants, hotels and businesses that cater to tourists. You may see a 10% service charge on your restaurant bills. While this fee supposedly goes to the servers, many contend it may not. Therefore, leaving a cash tip for your server of 10-15% of your bill for good service is always appreciated. Casual food stands or shops that do not employ servers will not expect tips, though leaving behind your coins or rounding up to the next rupee note is polite. Many hotels have tip boxes at their front desks for the cleaning staff. If they do not, you can leave it in your room. The suggested tip is $1/night for hotels that cost up to $25/night. Increase your tip to a maximum of US $4-$5 for more expensive accommodations. An appropriate tip for bellhops is $1 per bag in most hotels, but if you’re staying at a resort or luxury hotel, $2 is good. When requesting concierge assistance, tipping $2-$3 will go a long way in ensuring you get good service. Should you order room service, always tip a minimum of 10%. However, if your order is small, like a coffee and toast, then tip a minimum of $0.50. Only tip taxi drivers who use their meter when shuttling you from one place to another. We say this because it reinforces honesty. You can round up to the nearest NPR note or give them an extra $1-$2 tip. It depends on the quality of service you receive. Lastly, be sure to tip your trekking guide and porters. A standard tip for guides is 10% of your total trek costs–a minimum of $5/day for solo trekkers; $10/day for group trekkers. Of course, you can always tip more if you have the time of your life and really want to thank them for the experience and memories. Don’t forget to tip your porters $3-5/day. The heavier your bag, the more you should tip. If you trek in a group instead of hiring a guide for just you and your friends or family, then tipping will be on a group basis. Ask your trekking company how to handle this best. You will also want to tip any guides you may have for city or cultural tours, approximately $3-5 for the day.

Trekking in Nepal is a dream come true for many Americans, and the great thing is that there are treks for all types. So whether you want to go for a day hike, a 5-day trek or an arduous 21-day trek, you have plenty of choices, from Everest Base Camp and Annapurna Circuit to the Tamang Heritage Trail and the less crowded Upper Mustang trail. Many experienced trekkers and mountain climbers assume they’ll be fine trekking on their own, but this sort of hubris often leads to serious injury and can threaten a person’s safety. Professional guides and porters from Nepal-based companies know every detail of these trails, understand how to pace trekkers to prevent altitude sickness and can lead people out of dangerous circumstances. Speaking from experience, save yourself the money and hassle of bringing all your fancy trekking gear from home. You can rent or buy everything you need in Nepal for a fraction of the price, but do bring your own boots, rain poncho, antibiotics for stomach or respiratory illnesses, bandages, face cloth, travel towel, headlamp and batteries. Also, be sure to bring 2-4 extra passport photos–check with your tour operator–with you as your trekking guide/company will need them to apply for your trekking permit, also known as TIMS. Keep this permit with you at all times. This permit is like a passport, but it is also Nepal’s way of keeping track of trekkers to ensure no one goes missing. Most treks will specify whether your accommodations will be with local families, tents or teahouses. Teahouses are family-run mountain inns. They vary quite a bit with respect to size and comfort. Some have hot showers and heated rooms, while others don’t. The good news is that Nepal makes the warmest blankets you’ve ever seen! Furthermore, most teahouses offer all-day food and chia/chai (tea). Dal bhat is a typical lunch meal, though many teahouses offer Western-style foods, including sandwiches, pasta, eggs, pies and more.

A typical scam, primarily in Kathmandu, is conducted by men who dress as if they are holy men, also known as sadhus. The scam starts by beckoning tourists to them to take photographs with them. Once the pictures are taken, the “sadhus” demand payment, leaving unsuspecting tourists caught off-guard and feeling cheated. Just avoid them altogether. Credit card skimming is particularly common at nightclubs in Nepal. So unless you want to spend part of your vacation on the phone with your credit card company dealing with fraudulent charges, steer clear of them or pay cash. If you decide to go to bars or clubs in Kathmandu or Pokhara, drink-spiking is common, especially among tourists. Taxi drivers have a terrible reputation in Nepal for scamming tourists. Most will refuse to use the meter, charging tourists double or triple the regular fare. You can decide to wait until you find a taxi that will use the meter or attempt to set a fixed price with a driver who refuses to use their meter. Many scams involve children, particularly the “buy milk for baby” scam. Do your best to avoid these situations at all costs. If you feel sorry for a child, you can buy them food or a small carton of milk and open it for them to consume immediately, but do not do so at the store they’re trying to lure you into because the shopkeeper will charge you an excessive amount of money.

Nepal is generally a very safe country, even for solo female travelers. That said, using common sense and exercising your street smarts never hurts. Never leave your valuables unattended. Don’t flash around large sums of cash, fancy jewelry or expensive camera gear. Avoid walking alone at night, particularly in desolate or dark areas. Petty theft, such as pickpocketing or muggings, is the most common but not more than in most American cities. If you are trekking, never go alone. Always employ the services of a guide and be sure to heed their advice to minimize your risk of injury or illness while in the mountains. Unfortunately, there have been instances of sexual assault against solo female trekkers by their male guides. While it is certainly not the norm, if you want to put your mind at ease, hire a female guide (yes, there are a few!) if you’re solo trekking or join a group trek. Avoid nightclubs in Nepal. After countless scams of having vast sums of money charged to their credit cards and their drinks spiked, there is no real incentive to go. Instead, stick to your hotel bar if you need a drink.

What to pack for Trekking in Nepal

Apart from Travel Insurance, we recommend you bring the following items for maximum health, safety and enjoyment of your trip to Nepal

A final note about travel insurance for the Nepal

I have spent dozens of hours researching travel insurance, including getting quotes and comparing coverage from all the most popular brands. Regardless of where you’re going I am confident that you will also find that WithFaye.com offers the best way to compare policies with the ideal combo of coverage and price.

I wish you and yours an incredible journey.

SwiftScore Ranking Methodology

• Average price for a 2-week vacation based on a 35-year-old California resident traveling to the Nepal with a $3,500 trip cost
• Coronavirus coverage
• Cancel for any reason (CFAR)
• AM Best rating of the underwriter
• Key policy details including cancellation, interruption, emergency medical evacuation, and baggage & personal effects
• Ease of sign up
• Policy language clarity
• User reviews

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Nepal Traveler View

Travel health notices, vaccines and medicines, non-vaccine-preventable diseases, stay healthy and safe.

• Packing List

After Your Trip

Be aware of current health issues in Nepal. Learn how to protect yourself.

Level 1 Practice Usual Precautions

• Updated   Global Measles April 26, 2024 Many international destinations are reporting increased numbers of cases of measles. Destination List: Afghanistan, Angola, Armenia, Azerbaijan, Benin, Burkina Faso, Burundi, Cameroon, Central African Republic, Chad, Côte d'Ivoire (Ivory Coast), Democratic Republic of the Congo, Djibouti, Equatorial Guinea, Ethiopia, Gabon, Ghana, India, Indonesia, Kazakhstan, Kyrgyzstan, Lebanon, Liberia, Libya, Malaysia, Mauritania, Nepal, Niger, Nigeria, Pakistan, Philippines, Qatar, Republic of South Sudan, Republic of the Congo, Romania, Russia, Senegal, Somalia, Sri Lanka, Sudan, Syria, Tajikistan, Timor-Leste (East Timor), Togo, Turkey, United Arab Emirates, Uzbekistan, Yemen, Zambia

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Check the vaccines and medicines list and visit your doctor at least a month before your trip to get vaccines or medicines you may need. If you or your doctor need help finding a location that provides certain vaccines or medicines, visit the Find a Clinic page.

Routine vaccines

Recommendations.

Make sure you are up-to-date on all routine vaccines before every trip. Some of these vaccines include

• Chickenpox (Varicella)
• Diphtheria-Tetanus-Pertussis
• Flu (influenza)
• Measles-Mumps-Rubella (MMR)

Immunization schedules

All eligible travelers should be up to date with their COVID-19 vaccines. Please see  Your COVID-19 Vaccination  for more information. 

COVID-19 vaccine

There is no longer active cholera transmission and vaccine is not recommended.

Cholera - CDC Yellow Book

Hepatitis A

Recommended for unvaccinated travelers one year old or older going to Nepal.

Infants 6 to 11 months old should also be vaccinated against Hepatitis A. The dose does not count toward the routine 2-dose series.

Travelers allergic to a vaccine component or who are younger than 6 months should receive a single dose of immune globulin, which provides effective protection for up to 2 months depending on dosage given.

Unvaccinated travelers who are over 40 years old, immunocompromised, or have chronic medical conditions planning to depart to a risk area in less than 2 weeks should get the initial dose of vaccine and at the same appointment receive immune globulin.

Hepatitis A - CDC Yellow Book

Dosing info - Hep A

Hepatitis B

Recommended for unvaccinated travelers younger than 60 years old traveling to Nepal. Unvaccinated travelers 60 years and older may get vaccinated before traveling to Nepal.

Hepatitis B - CDC Yellow Book

Dosing info - Hep B

Japanese Encephalitis

Recommended for travelers who

• Are moving to an area with Japanese encephalitis to live
• Spend long periods of time, such as a month or more, in areas with Japanese encephalitis
• Frequently travel to areas with Japanese encephalitis

Consider vaccination for travelers

• Spending less than a month in areas with Japanese encephalitis but will be doing activities that increase risk of infection, such as visiting rural areas, hiking or camping, or staying in places without air conditioning, screens, or bed nets
• Going to areas with Japanese encephalitis who are uncertain of their activities or how long they will be there

Not recommended for travelers planning short-term travel to urban areas or travel to areas with no clear Japanese encephalitis season. 

Japanese encephalitis - CDC Yellow Book

Japanese Encephalitis Vaccine for US Children

CDC recommends that travelers going to certain areas of Nepal take prescription medicine to prevent malaria. Depending on the medicine you take, you will need to start taking this medicine multiple days before your trip, as well as during and after your trip. Talk to your doctor about which malaria medication you should take.

Find  country-specific information  about malaria.

Malaria - CDC Yellow Book

Considerations when choosing a drug for malaria prophylaxis (CDC Yellow Book)

Malaria information for Nepal.

Cases of measles are on the rise worldwide. Travelers are at risk of measles if they have not been fully vaccinated at least two weeks prior to departure, or have not had measles in the past, and travel internationally to areas where measles is spreading.

All international travelers should be fully vaccinated against measles with the measles-mumps-rubella (MMR) vaccine, including an early dose for infants 6–11 months, according to  CDC’s measles vaccination recommendations for international travel .

Measles (Rubeola) - CDC Yellow Book

Rabid dogs are commonly found in Nepal. If you are bitten or scratched by a dog or other mammal while in Nepal, there may be limited or no rabies treatment available. 

Consider rabies vaccination before your trip if your activities mean you will be around dogs or wildlife.

Travelers more likely to encounter rabid animals include

• Campers, adventure travelers, or cave explorers (spelunkers)
• Veterinarians, animal handlers, field biologists, or laboratory workers handling animal specimens
• Visitors to rural areas

Since children are more likely to be bitten or scratched by a dog or other animals, consider rabies vaccination for children traveling to Nepal. 

Rabies - CDC Yellow Book

Recommended for most travelers, especially those staying with friends or relatives or visiting smaller cities or rural areas.

Typhoid - CDC Yellow Book

Dosing info - Typhoid

Yellow Fever

Required for travelers ≥9 months old arriving from countries with risk for YF virus transmission; this includes >12-hour airport transits or layovers in countries with risk for YF virus transmission. 1

Yellow Fever - CDC Yellow Book

Avoid contaminated water

Leptospirosis

How most people get sick (most common modes of transmission)

• Touching urine or other body fluids from an animal infected with leptospirosis
• Swimming or wading in urine-contaminated fresh water, or contact with urine-contaminated mud
• Drinking water or eating food contaminated with animal urine
• Avoid contaminated water and soil

Clinical Guidance

Avoid bug bites.

• Mosquito bite
• Avoid Bug Bites

Leishmaniasis

• Sand fly bite

Airborne & droplet

Avian/bird flu.

• Being around, touching, or working with infected poultry, such as visiting poultry farms or live-animal markets
• Avoid domestic and wild poultry
• Breathing in air or accidentally eating food contaminated with the urine, droppings, or saliva of infected rodents
• Bite from an infected rodent
• Less commonly, being around someone sick with hantavirus (only occurs with Andes virus)
• Avoid rodents and areas where they live
• Avoid sick people

Tuberculosis (TB)

• Breathe in TB bacteria that is in the air from an infected and contagious person coughing, speaking, or singing.

Learn actions you can take to stay healthy and safe on your trip. Vaccines cannot protect you from many diseases in Nepal, so your behaviors are important.

Eat and drink safely

Food and water standards around the world vary based on the destination. Standards may also differ within a country and risk may change depending on activity type (e.g., hiking versus business trip). You can learn more about safe food and drink choices when traveling by accessing the resources below.

• Choose Safe Food and Drinks When Traveling
• Water Treatment Options When Hiking, Camping or Traveling
• Global Water, Sanitation and Hygiene | Healthy Water
• Avoid Contaminated Water During Travel

You can also visit the Department of State Country Information Pages for additional information about food and water safety.

Prevent bug bites

Bugs (like mosquitoes, ticks, and fleas) can spread a number of diseases in Nepal. Many of these diseases cannot be prevented with a vaccine or medicine. You can reduce your risk by taking steps to prevent bug bites.

What can I do to prevent bug bites?

• Cover exposed skin by wearing long-sleeved shirts, long pants, and hats.
• Use an appropriate insect repellent (see below).
• Use permethrin-treated clothing and gear (such as boots, pants, socks, and tents). Do not use permethrin directly on skin.
• Stay and sleep in air-conditioned or screened rooms.
• Use a bed net if the area where you are sleeping is exposed to the outdoors.

What type of insect repellent should I use?

• FOR PROTECTION AGAINST TICKS AND MOSQUITOES: Use a repellent that contains 20% or more DEET for protection that lasts up to several hours.
• Picaridin (also known as KBR 3023, Bayrepel, and icaridin)
• Oil of lemon eucalyptus (OLE) or para-menthane-diol (PMD)
• 2-undecanone
• Always use insect repellent as directed.

What should I do if I am bitten by bugs?

• Avoid scratching bug bites, and apply hydrocortisone cream or calamine lotion to reduce the itching.
• Check your entire body for ticks after outdoor activity. Be sure to remove ticks properly.

What can I do to avoid bed bugs?

Although bed bugs do not carry disease, they are an annoyance. See our information page about avoiding bug bites for some easy tips to avoid them. For more information on bed bugs, see Bed Bugs .

For more detailed information on avoiding bug bites, see Avoid Bug Bites .

Stay safe outdoors

If your travel plans in Nepal include outdoor activities, take these steps to stay safe and healthy during your trip.

• Stay alert to changing weather conditions and adjust your plans if conditions become unsafe.
• Prepare for activities by wearing the right clothes and packing protective items, such as bug spray, sunscreen, and a basic first aid kit.
• Consider learning basic first aid and CPR before travel. Bring a travel health kit with items appropriate for your activities.
• If you are outside for many hours in heat, eat salty snacks and drink water to stay hydrated and replace salt lost through sweating.
• Protect yourself from UV radiation : use sunscreen with an SPF of at least 15, wear protective clothing, and seek shade during the hottest time of day (10 a.m.–4 p.m.).
• Be especially careful during summer months and at high elevation. Because sunlight reflects off snow, sand, and water, sun exposure may be increased during activities like skiing, swimming, and sailing.
• Very cold temperatures can be dangerous. Dress in layers and cover heads, hands, and feet properly if you are visiting a cold location.

Stay safe around water

• Swim only in designated swimming areas. Obey lifeguards and warning flags on beaches.
• Practice safe boating—follow all boating safety laws, do not drink alcohol if driving a boat, and always wear a life jacket.
• Do not dive into shallow water.
• Do not swim in freshwater in developing areas or where sanitation is poor.
• Avoid swallowing water when swimming. Untreated water can carry germs that make you sick.
• To prevent infections, wear shoes on beaches where there may be animal waste.

Keep away from animals

Most animals avoid people, but they may attack if they feel threatened, are protecting their young or territory, or if they are injured or ill. Animal bites and scratches can lead to serious diseases such as rabies.

Follow these tips to protect yourself:

• Do not touch or feed any animals you do not know.
• Do not allow animals to lick open wounds, and do not get animal saliva in your eyes or mouth.
• Avoid rodents and their urine and feces.
• Traveling pets should be supervised closely and not allowed to come in contact with local animals.
• If you wake in a room with a bat, seek medical care immediately. Bat bites may be hard to see.

All animals can pose a threat, but be extra careful around dogs, bats, monkeys, sea animals such as jellyfish, and snakes. If you are bitten or scratched by an animal, immediately:

• Wash the wound with soap and clean water.
• Go to a doctor right away.
• Tell your doctor about your injury when you get back to the United States.

Consider buying medical evacuation insurance. Rabies is a deadly disease that must be treated quickly, and treatment may not be available in some countries.

Reduce your exposure to germs

Follow these tips to avoid getting sick or spreading illness to others while traveling:

• Wash your hands often, especially before eating.
• If soap and water aren’t available, clean hands with hand sanitizer (containing at least 60% alcohol).
• Don’t touch your eyes, nose, or mouth. If you need to touch your face, make sure your hands are clean.
• Cover your mouth and nose with a tissue or your sleeve (not your hands) when coughing or sneezing.
• Try to avoid contact with people who are sick.
• If you are sick, stay home or in your hotel room, unless you need medical care.

Avoid sharing body fluids

Diseases can be spread through body fluids, such as saliva, blood, vomit, and semen.

Protect yourself:

• Use latex condoms correctly.
• Do not inject drugs.
• Limit alcohol consumption. People take more risks when intoxicated.
• Do not share needles or any devices that can break the skin. That includes needles for tattoos, piercings, and acupuncture.
• If you receive medical or dental care, make sure the equipment is disinfected or sanitized.

Know how to get medical care while traveling

Plan for how you will get health care during your trip, should the need arise:

• Carry a list of local doctors and hospitals at your destination.
• Review your health insurance plan to determine what medical services it would cover during your trip. Consider purchasing travel health and medical evacuation insurance.
• Carry a card that identifies, in the local language, your blood type, chronic conditions or serious allergies, and the generic names of any medications you take.
• Some prescription drugs may be illegal in other countries. Call Nepal’s embassy to verify that all of your prescription(s) are legal to bring with you.
• Bring all the medicines (including over-the-counter medicines) you think you might need during your trip, including extra in case of travel delays. Ask your doctor to help you get prescriptions filled early if you need to.

Many foreign hospitals and clinics are accredited by the Joint Commission International. A list of accredited facilities is available at their website ( www.jointcommissioninternational.org ).

In some countries, medicine (prescription and over-the-counter) may be substandard or counterfeit. Bring the medicines you will need from the United States to avoid having to buy them at your destination.

Malaria is a risk in some parts of Nepal. If you are going to a risk area, fill your malaria prescription before you leave, and take enough with you for the entire length of your trip. Follow your doctor’s instructions for taking the pills; some need to be started before you leave.

Select safe transportation

Motor vehicle crashes are the #1 killer of healthy US citizens in foreign countries.

In many places cars, buses, large trucks, rickshaws, bikes, people on foot, and even animals share the same lanes of traffic, increasing the risk for crashes.

Be smart when you are traveling on foot.

• Use sidewalks and marked crosswalks.
• Pay attention to the traffic around you, especially in crowded areas.
• Remember, people on foot do not always have the right of way in other countries.

Riding/Driving

Choose a safe vehicle.

• Choose official taxis or public transportation, such as trains and buses.
• Ride only in cars that have seatbelts.
• Avoid overcrowded, overloaded, top-heavy buses and minivans.
• Avoid riding on motorcycles or motorbikes, especially motorbike taxis. (Many crashes are caused by inexperienced motorbike drivers.)
• Choose newer vehicles—they may have more safety features, such as airbags, and be more reliable.
• Choose larger vehicles, which may provide more protection in crashes.

Think about the driver.

• Do not drive after drinking alcohol or ride with someone who has been drinking.
• Consider hiring a licensed, trained driver familiar with the area.
• Arrange payment before departing.

Follow basic safety tips.

• Wear a seatbelt at all times.
• Sit in the back seat of cars and taxis.
• When on motorbikes or bicycles, always wear a helmet. (Bring a helmet from home, if needed.)
• Avoid driving at night; street lighting in certain parts of Nepal may be poor.
• Do not use a cell phone or text while driving (illegal in many countries).
• Travel during daylight hours only, especially in rural areas.
• If you choose to drive a vehicle in Nepal, learn the local traffic laws and have the proper paperwork.
• Get any driving permits and insurance you may need. Get an International Driving Permit (IDP). Carry the IDP and a US-issued driver's license at all times.
• Check with your auto insurance policy's international coverage, and get more coverage if needed. Make sure you have liability insurance.
• Avoid using local, unscheduled aircraft.
• If possible, fly on larger planes (more than 30 seats); larger airplanes are more likely to have regular safety inspections.
• Try to schedule flights during daylight hours and in good weather.

Medical Evacuation Insurance

If you are seriously injured, emergency care may not be available or may not meet US standards. Trauma care centers are uncommon outside urban areas. Having medical evacuation insurance can be helpful for these reasons.

Helpful Resources

Road Safety Overseas (Information from the US Department of State): Includes tips on driving in other countries, International Driving Permits, auto insurance, and other resources.

The Association for International Road Travel has country-specific Road Travel Reports available for most countries for a minimal fee.

Traffic flows on the left side of the road in Nepal.

• Always pay close attention to the flow of traffic, especially when crossing the street.
• LOOK RIGHT for approaching traffic.

Maintain personal security

Use the same common sense traveling overseas that you would at home, and always stay alert and aware of your surroundings.

Before you leave

• Research your destination(s), including local laws, customs, and culture.
• Monitor travel advisories and alerts and read travel tips from the US Department of State.
• Enroll in the Smart Traveler Enrollment Program (STEP) .
• Leave a copy of your itinerary, contact information, credit cards, and passport with someone at home.
• Pack as light as possible, and leave at home any item you could not replace.

While at your destination(s)

• Carry contact information for the nearest US embassy or consulate .
• Carry a photocopy of your passport and entry stamp; leave the actual passport securely in your hotel.
• Follow all local laws and social customs.
• Do not wear expensive clothing or jewelry.
• Always keep hotel doors locked, and store valuables in secure areas.
• If possible, choose hotel rooms between the 2nd and 6th floors.

Healthy Travel Packing List

Use the Healthy Travel Packing List for Nepal for a list of health-related items to consider packing for your trip. Talk to your doctor about which items are most important for you.

Why does CDC recommend packing these health-related items?

It’s best to be prepared to prevent and treat common illnesses and injuries. Some supplies and medicines may be difficult to find at your destination, may have different names, or may have different ingredients than what you normally use.

If you are not feeling well after your trip, you may need to see a doctor. If you need help finding a travel medicine specialist, see Find a Clinic . Be sure to tell your doctor about your travel, including where you went and what you did on your trip. Also tell your doctor if you were bitten or scratched by an animal while traveling.

If your doctor prescribed antimalarial medicine for your trip, keep taking the rest of your pills after you return home. If you stop taking your medicine too soon, you could still get sick.

Malaria is always a serious disease and may be a deadly illness. If you become ill with a fever either while traveling in a malaria-risk area or after you return home (for up to 1 year), you should seek immediate medical attention and should tell the doctor about your travel history.

For more information on what to do if you are sick after your trip, see Getting Sick after Travel .

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Travel Insurance

Traveling to Nepal offers a unique and mesmerizing experience with its rich cultural heritage, diverse landscapes, and adventure opportunities. As you prepare for your journey, it is essential to understand the insurance requirements to ensure a safe and worry-free trip. This article will provide you with a detailed overview of the various insurance options available and the essential aspects you need to consider while traveling to Nepal.

Why is travel insurance necessary for Nepal?

Nepal is known for its thrilling outdoor activities like trekking, mountaineering, and white-water rafting. While these experiences are exhilarating, they can also pose risks. Travel insurance provides financial protection and support in case of accidents, medical emergencies, or other unforeseen events during your trip.

Key benefits of travel insurance in Nepal include:

a) Medical expenses coverage b) Emergency evacuation and repatriation c) Trip cancellation and interruption d) Baggage and personal belongings protection e) Adventure sports and activities coverage

Types of travel insurance policies for Nepal

There are several types of travel insurance policies available for your trip to Nepal, including:

a) Single-trip insurance: This policy is ideal for travelers planning a one-time trip to Nepal, offering coverage for a specific duration.

b) Multi-trip insurance: Frequent travelers can opt for this policy, which covers multiple trips within a year, with each trip having a pre-determined duration limit.

c) Long-term travel insurance: If you are planning an extended stay in Nepal, this policy offers coverage for a more extended period, typically up to 12 months.

d) Group travel insurance: Designed for groups traveling together, this policy offers discounted rates and shared coverage.

Key aspects to consider when choosing travel insurance for Nepal

a) Medical coverage: Ensure that your policy provides adequate coverage for medical expenses, including hospitalization, doctor visits, and prescription medication.

b) Emergency evacuation and repatriation: Since many activities in Nepal occur in remote areas, it is crucial to have a policy that covers emergency evacuation costs, including helicopter rescue, and repatriation to your home country.

c) Adventure sports coverage: Many standard travel insurance policies exclude high-risk activities like trekking, mountaineering, and rafting. Make sure your policy includes specific coverage for adventure sports and activities.

d) Altitude limit: Many treks in Nepal exceed 4,000 meters in altitude. Verify that your insurance policy covers activities at high altitudes.

e) Policy extensions: If your travel plans change or you need additional coverage, ensure that your policy allows for extensions or upgrades.

How to choose the right travel insurance provider

When selecting a travel insurance provider, consider the following factors:

a) Reputation and reliability: Research the insurance company's reputation and track record to ensure that they are reliable and trustworthy.

b) Customer service: Choose a provider with efficient and responsive customer support to assist you in case of emergencies or claims.

c) Policy customization: Opt for a provider that offers customizable policies to suit your specific travel needs.

d) Claims process: A transparent and straightforward claims process is vital for a hassle-free experience.

Tips for purchasing travel insurance for Nepal

a) Purchase your policy well in advance: Buying travel insurance early provides coverage for unforeseen circumstances leading to trip cancellations or delays.

b) Read the policy documents thoroughly: Understand the terms, conditions, and exclusions of your policy to avoid surprises during a claim.

c) Keep your policy details handy: Carry your policy information, including emergency contact numbers, during your trip to ensure easy access when required.

Adequate travel insurance is a necessity when visiting Nepal, as it provides financial protection and peace of mind during your journey

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Nepal Travel Insurance Requirements

Last updated: 03/07/2024

In order to gain entry into Nepal, travelers must provide proof of travel insurance that can cover emergency search, rescue, treatment, and other expenses for the duration of their travel.

Squaremouth’s Nepal Travel Insurance Recommendations

To meet the requirements implemented by the Nepal government, Squaremouth recommends travelers buy a policy with at least $50,000 in Emergency Medical coverage, and at least $100,000 in Medical Evacuation coverage.

Emergency Medical and Medical Evacuation are separate benefits. Emergency Medical can reimburse travelers for the cost of treatment during their trip, such as hospital fees and physician services. Medical Evacuation can cover the cost of an evacuation to the nearest hospital in the event of an emergency.

Travelers who are concerned about losing their prepaid trip payments if they have to cancel their trip to Nepal can cover these costs through a Trip Cancellation policy. Trip Cancellation is designed to reimburse 100% of a traveler’s prepaid and non-refundable trip costs if they need to cancel for a covered reason. The most common covered reason is an illness or injury, and this can typically include not being able to travel because they are sick with Covid-19 or another illness.

Click here to begin your search for Nepal Travel Insurance.

Nepal Travel Insurance Trends and Data

Travelers visiting Nepal are required to purchase a travel insurance policy with coverage for the Covid-19 pandemic.

Destination Rank: 71

Percentage of Squaremouth Sales: 0.23%

Average Premium: $232.46

Average Trip Cost: $3,374.30

Squaremouth Analytics compares thousands of travel insurance policies purchased pre- and post-pandemic to identify changes and trends in the travel insurance industry.

Helpful Resources

• U.S. Department of State – Nepal

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Travel Insurance For Nepal Travel

• Last Updated on Jan 7, 2024

Are you heading to Nepal for mountain climbing or trekking on an adventure? If the answer is yes, make sure your travel insurance is credible. For all clients who want to travel to Nepal with Nepal Nirvana Trails, we recommend you get travel insurance. However, the travel insurance you are considering must pay for medical expenses and emergency airlifts. We suggest to our precious clients that your insurance be worth as much as possible. 

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Langtang Gosaikunda Trek - 15 Days

Annapurna Circuit Trek with Thorong Pass - 11 Days

Everest Base Camp Luxury Trek - 12 Days

Trekking and visiting the Himalayas consist of many unforeseen risks. It is generous to be ready for any risk, which may arise during your travel to Nepal. Numerous travel insurance companies provide great returns in case of calamities. There is always a danger of minor health problems, injuries, and most crucially - altitude sickness, etc., when it comes to trekking in the Nepalese Himalayas.

It is essential to choose a plan that covers the helicopter rescue from the Himalayas in case of fatal calamities and acute altitude sickness. The only way out of the mountains in such dire situations as an emergency evacuation is by helicopter service. This consists of a rescue squad for both ground rescue and evacuation. Because of this, we need your trip insurance to pay for the cost of helicopter assistance and Himalayan evacuation (up to 6000m).

Travel Insurance for Trekking 

Traveling and hiking might expose you to serious and minor incidents that can keep you in the hospital and increase your healthcare expenditures. Therefore, you should purchase trip insurance that includes high-altitude illness, clinical help, and helicopter evacuation services. Since there is always a remote probability when climbing to the top of big hills, it will be your advantage if something goes wrong with you.

Travel Insurance for Peak Climbing 

Peak climbing is a difficult and dangerous adventure you can undertake in Nepal. You must have travel insurance that can cover the top evacuation system in Nepal, helicopter rescue, and medical expenses if you have any plans to visit Nepal and experience peak climbing. You should be completely prepared for anything because you could end up spending a huge amount on medical costs in risky situations.

Travel Insurance for other Outdoor Activities

Other outdoor activities like sightseeing, day hikes at lower altitudes, forest safaris, birdwatching, etc. do not create a risk to human life, so purchasing travel insurance is not required. The risks of injury from these activities are low, and the cost of treatment is also low.

Recommended Travel Companies 

Based on our previous clients’ uses and experiences, we have listed some of the insurance companies that we found reliable and with better services. We recommend you use them as your insurance partner while traveling to Nepal or any other country.

For Travelers from the USA and Canada

• Online Global Health Insurance
• Mondial Assistance
• Access America
• HCC Medical Insurance Services
• Good Neighbor Insurance (International Health)
• International Health
• Insuremytrip dot com
• MultiNational Underwriters
• World Nomad
• TIC Travel Insurance Coordinators Ltd
• Travel Assist
• Travel Safe Insurance
• Blue Cross Blue Shield
• Seven Corner
• RBC Travel Insurance
• TuGo Travel Insurance
• Can Assistance
• Allianz Canada

For Travelers from England

• Specialty Group (UK) Limited
• FirstAssist Services Limited
• Harrison Beaumont
• Buy cheap travel insurance
• Dog Tag 

For Travelers from Europe 

• Assistance CORIS
• Fedmi Spain
• Europ Assistance (All European)
• Allianz Travel Insurance (Germany, Switzerland)
• Hens Merkur ( Germany )
• Uniqa Insurance (Austria)
• Alpineverein ( Austria, Germany)
• British Mountaineering Council (BMC)

For Travelers from Australia and New Zealand

• Cover-More Travel Insurance
• CGU Insurance Limited
• Budget Direct Travel Insurance
• 1 Cover Travel Insurance (New Zealand)
• Aussie Travel Cover
• Fast Cover New Zealand

For Travellers from South Africa

• Travel Insurance Consultants Pty. Ltd

For Asia and the Middle East

• Clal Insurance (Israel)
• Mitsui Sumitomo Insurance (Japan)
• Life Card Travel Insurance (Japan)
• Sompo Insurance (Japan)

We recommend our valuable customers choose the best travel insurance policy according to your travel plans. Planning better insurance can save lives and savings. Your local travel insurance companies give you the best values for the travel plans you have. 

• Altitude Sickness

Benjila Dhital

Benjila has been an integral part of the Nepal Nirvana Trails as she writes passionately and learns about new spots, people, cultures, and languages. With a Bachelor's Degree from the reputed college NATHM in Bachelors of Tourism and Travel Management lately, she has been engaging in authoring web content and familiarizing new locations with the tourist out there.

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Recommended Travel Insurance for Nepal Tour, Trek and Climbing

Arjun pandey.

• Last Updated on Nov 21, 2023

An effective form of protection for overseas travel is travel insurance, which insures against monetary losses related to travel. When unanticipated events like illness, injury, accidents, delayed flights or other forms of transportation, and other problems arise, travel insurance can help cover the financial losses. 4%–10% of the cost of a trip is spent on this insurance. Thus, the cost of trip insurance for a $10,000 vacation could range from $400 to $1,000.

For everyone wishing to travel to Nepal with Green Valley Nepal Treks, travel insurance is necessary. Both emergency medical evacuation and medical costs must be covered by the travel insurance. It is recommended that the minimum value of your insurance be USD 100,000.

The Himalayas are breathtaking, but there are serious risks involved. When traveling, it's vital to be prepared for any unforeseen risks that can arise. Travel insurance services are available online from a number of insurance providers. At your convenience, you have access to a large selection of insurance providers. The risk of minor health problems, accidents, and—above all—altitude sickness is always present, especially when trekking in Nepal .

In the event of serious accidents or severe alpine sickness, you must select an insurance plan that includes the expense of a helicopter rescue from the mountains. The only means of escape from the highlands in such dire situations involving an emergency evacuation is via a helicopter service. This comprises a rescue squad for both aerial rescue and land evacuation. For this reason, in order to pay for the cost of helicopter services and your evacuation from the Himalayas, we need proof of travel insurance.

Therefore, before you book your trip with Green Valley Nepal Treks, confirm that your travel insurance from a reputable insurance provider covers all of the expenses listed above.

Table of Contents

How travel insurance works in nepal.

When you book your trip, lodging, or vehicle, travel agencies, travel suppliers (airlines, cruise lines), private insurance firms, or insurance brokers may all sell travel insurance online.

Usually, you'll buy coverage soon after making your first reservations for activities, hotels, flights, and other modes of transportation. You might have to comply with certain policies in order to continue receiving full coverage. These are some terminology related to travel insurance that you should understand.

Primary and Secondary Coverage of Travel Insurance

Purchasing travel insurance may result in concurrent insurance coverage, which entitles you to coverage under multiple policies. When travel insurance is primary, it pays out first, eliminating the need for you to file a claim with a different carrier and maybe saving you money on higher policy premiums. You must first try to make a claim with another insurer, such as your own auto insurance (damaged automobile) or an airline (lost baggage), if the travel insurance is secondary.

Coverage Requirements of Travel Insurance for Nepal Treks and Tours

Usually, there are requirements that specify your eligibility for coverage. Your claim needs to fit within the available coverage categories. For example, personal belongings, prescription drugs, credit cards, and your passport or visa may all be covered by lost baggage insurance. In order to be eligible for coverage, you might also need to take additional actions, such as notifying the police of the theft or loss.

Policy Coverage Limits or Travel Insurance for Nepal Trip

This is the most money you will be compensated for the claim. For instance, you might only get paid $500 for each bag. Even more might not be given to you for pricey things like jewelry or electronics. For purchases over a particular threshold, you can be required to produce receipts. The insurance may only cover repairs in the absence of receipts.

A deductible, or fixed amount, may be required by some coverage before the remaining portion of your claim is paid up to the limit.

These are the circumstances in which the loss will not be covered by your plan. Every policy is unique. For instance, losses brought on by animals might not be covered by your luggage damage policy. Bicycles, tickets, hearing aids, and other medical equipment, as well as anything seized by law enforcement or customs officials, could not be covered.

Pre-existing conditions could not be covered by travel medical insurance, or they might only be if you purchase a plan within a week or two after reserving your vacation.

Reasons for Purchasing Travel Insurance for Nepal Trip

Travel insurance for trekking and hiking in nepal.

Purchasing travel insurance is strongly recommended for any trekking or hiking excursions in the Himalayas. The countryside offers less danger and is generally more comfortable for hiking. However, common illnesses like hypothermia, skin infections, and stomach problems are more common at higher altitudes and in isolated locations, along with a high risk of Acute Mountain Sickness.

Make sure your insurance covers the cost of a helicopter rescue and evacuation, including medical fees and trip cancellation, if you plan on trekking in Nepal.

Travel Insurance for Peak Climbing in Nepal

Compared to other outdoor hobbies, peak climbing, and expedition travel are seen as riskier pursuits. As you ascend above 6,000 meters, there is a substantial chance that you will get hurt because of a number of factors, including low visibility, high heights, and extremely high temperatures. It is consequently important to have insurance for peak climbing that covers emergency medical evacuation, helicopter evacuation, repatriation, and trip cancellation.

Other Outdoor Activities in Nepal

Traveling can be risky, even while outdoor activities can be enjoyable. Even though outdoor activities are generally low-risk in Nepal, unanticipated events can incur significant costs.  In that regard, having travel insurance is essential for outdoor activities; however, unlike peak climbing and trekking, advanced travel insurance is not always necessary for outdoor activities. For example, helicopter rescue is not always required for city tours covered by travel insurance.

Types of Insurance Coverage for Nepal Trip

Comprehensive travel insurance.

Many different kinds of coverage are combined into one plan by comprehensive travel insurance. Comprehensive travel insurance typically includes medical expenses and medical evacuation coverage in addition to a 24-hour helpline for finding doctors or getting aid in an emergency. It also usually includes reimbursement for trip cancellation, interruption, and delay, baggage loss, and delay.

Alternatively, you can buy every kind of coverage separately. This can be a good idea if you can often cover your losses or if you currently have coverage from another insurance.

Trip Cancellation or Interruption Coverage

This insurance is available in the following formats and reimburses a traveler for all or part of their pre-paid nonrefundable travel expenses:

• Trip Cancellation: Pays back your prepaid travel costs in the event that you are unable to travel for a prearranged cause.
• Travel Delay: Pays you back for costs incurred if there is a delay that prevents you from traveling.
• Trip Interruption:  This covers your travel expenses in the event that your trip must be shortened.
• Cancel For Any Reason (CFAR): Usually more expensive than the other options mentioned above, this option reimburses you for a portion of the expenditures if you need to cancel the trip for any reason.

A provider's permitted reasons for cancellation or interruption and the amount of payment differ with the majority of the aforementioned. A claim may be justified for any of the following reasons:

• Your illness
• Illness or death in your immediate family
• Sudden business conflicts
• Weather-related issues
• Legal obligations such as jury duty

In order to register a claim for a cancellation owing to financial default, terrorism in the city of your destination, or work-related reasons, you might have to pay more or fulfill more requirements.

Damage and Baggage Losses Coverage

Travelers frequently experience baggage and personal goods being lost, stolen, or damaged. This can rapidly ruin a trip as you have to shop for replacements. Coverage for baggage and personal items guards against misplaced, pilfered, or destroyed possessions when traveling to, within, and out of a location.

Nevertheless, a lot of travel insurance plans only cover personal items once you've used up all other possible claims. Many limitations and exclusions may apply to baggage coverage, such as the $500 maximum per item and the $250 maximum for each extra item. By paying extra, you might be able to change the amounts, compare different coverage options, or raise the limitations.

For instance, if the airline is at fault for missing or damaged luggage, the insurance might not cover it. In the event that an airline makes a mistake and your luggage is lost or destroyed, most carriers, including airlines, will refund you. Nevertheless, there can be restrictions on the amount of compensation; therefore, extra protection is offered by the baggage and personal effects coverage.

Rental Insurance

Costs resulting from unintentional damage to a vacation rental property are covered by insurance. To help with expense reimbursement in the event that you are unable to use your vacation rental, several plans also provide trip cancellation and interruption benefits. The following are a few possible explanations:

• Lost or stolen keys
• Unsanitary or unsafe vacation property
• Vacation rental wasn't as advertised
• The company oversold your vacation rental

In replacement of your own auto insurance policy or the collision damage waiver (CDW) offered by the rental company, rental car insurance covers damage or theft to a rental automobile while traveling. Different policies may cover theft, vandalism, crashes, and other situations. In addition to your personal auto insurance, you might also get rental car insurance. Nevertheless, it excludes your legal obligation and responsibility for any harm or damage you cause to other people.

Travel Health Insurance

Medical insurance can assist with unforeseen foreign medical and dental costs as well as with finding foreign medical professionals and facilities. Coverage varies according to provider and cost, just like with other policies.

• Foreign travel medical coverage: These policies cover medical expenses resulting from illness and injury sustained while traveling, and they can last anywhere from five days to a year or more.
• Medical Evacuation: This may include medical evacuation for treatment as well as airlift transportation to a hospital.

Before acquiring insurance, find out if it extends coverage outside of the nation by speaking with your present health insurers. If you are sick or hurt while traveling, the majority of health insurance carriers cover "customary and reasonable" hospital bills; however, few will cover the expense of a medical evacuation.

Accidental Death and Dismembership (AD&D) Coverage

An AD&D policy compensates you or your surviving beneficiaries with a lump sum payment in the event of a significant injury or death caused by an accident. Three sections are typically provided by the insurance, covering both accidents and fatalities:

• Flight accident insurance: Occurs when traveling on a commercial aircraft with a license.
• Common carrier: Originating from using public transit like buses, trains, or ferries.
• General travel: Taking place at any time when traveling.

Possible exclusions include death from illness or drug overdose. Furthermore, certain injuries—namely, those to the hand, foot, limb, or eyes—might not be covered. Each injury has a set of specified quantity limits.

You may not need accidental death coverage if you currently hold a life insurance policy. That being said, your life insurance policy may also pay benefits, so your beneficiaries will receive additional money from your travel insurance coverage.

Other Travel Insurance Coverage

The following categories of travel insurance may be added to your plan or package, depending on what you choose:

• Identity theft resolution services
• School activity coverage
• Destination wedding coverage
• Adventure sports coverage
• Pet health as a reason for cancellation or delay
• Hunting or fishing activities as a reason for cancellation or delay
• Missed flight connections

How to Get Travel Insurance for Nepal Trip?

The price, coverage, and exclusions of travel insurance vary. There is coverage for annual, multiple, and single travel. You must complete an application for travel insurance with information about your trip, including the following:

• Travelers going
• Destination
• Travel dates
• Date of first payment toward your trip

The insurance provider evaluates the data in accordance with underwriting standards to determine the cost and terms of policy issuance. If your application is approved, the business will provide you with a travel insurance policy. You can apply with another insurance provider if your application is denied by the company.

You usually have ten to fifteen days after receiving your policy to check the fine print in the contract. You can return the policy for a refund if you're not happy with it. Examine the papers to make sure the plan you bought covers the following and doesn't have too many loopholes:

• Emergency medical care and transport back to your home town.
• High enough limits to cover your costs or damages
• The destination you're traveling to
• Your trip duration or number of trips
• All activities you plan to enjoy
• Preexisting conditions and people of your age

Take note of any exclusions as you read through. For instance, the kinds of property insured, if the airline is responsible for losing or damaging property, and the extent of such coverage.

Recommended Travel Insurance Companies

Holidays that are successful and stress-free are impossible without adequate insurance. Please be sure the insurance plan you select covers all of the activities you want to conduct. The insurance you purchase for a climbing adventure is not the same as the insurance you get for a trek.

For Travelers from the USA

• Travelex Insurance
• World Nomads /Tripmate USA
• Travel Safe Insurance
• Blue Cross Blue Shield
• Severn Corner

For Travelers from England

• Specialty Group (UK) Limited
• FirstAssist Services Limited
• Harrison Beaumont
• Buy cheap travel insurance

For Travelers from Canada

• RBC Travel Insurance
• TuGo Travel Insurance
• Can Assistance
• TIC Travel Insurance
• Allianz Canada

For Travelers from Europe

• Fedmi Spain
• Europ Assistance (All European)
• Allianz Travel Insurance (Germany, Switzerland)
• Hens Merkur ( Germany )
• Uniqa Insurance (Austria)
• Dog Tag (UK)
• Alpineverein ( Austria, Germany)
• British Mountaineering Council (BMC)

For Travelers from Australia and New Zealand

• Allianz Travel Insurance
• Budget Direct Travel Insurance
• 1 Cover Travel Insurance (New Zealand)
• Aussietravelcover
• Fast Cover New Zealand
• CGU Insurance Limited

For Travelers from Asia and the Middle East

• Clal Insurance (Israel)
• Mitsui Sumitomo Insurance (Japan)
• Life Card Travel Insurance (Japan)
• Sompo Insurance (Japan)

For Travelers from South Africa

• Travel Insurance Consultants

Disclaimer : This recommended insurance company list is crafted after interviewing our clients regarding the best companies for travel insurance.

Final Thoughts

Travel insurance primarily comes in four forms: medical expense, baggage and personal effects, medical cancellation or interruption, and accidental death or aircraft accident. Make sure you have coverage through your credit card, your own health or auto insurance, or both before purchasing a policy.

We recommend that you thoroughly research the plan and make sure the policy best suits your trip before purchasing travel insurance. You can provide a duplicate of your insurance evidence to your family for future use, and you should always have it with you. If you have any inquiries concerning travel insurance, you can get in touch with Green Valley Nepal Treks Team.

• Winter Trek in Nepal
• Weather in Nepal
• Trekking Equipment
• Nepal Hiking
• Hiking in Nepal
• Climbing in Nepal
• Best Tour in Nepal
• Altitude Sickness
• Adventure Tour

Arjun Pandey was born in Gorkha, in the midwestern part of Nepal, the famous region of the Manaslu Trek. Arjun also has a wide experience and knowledge of conducting trek programs in the Himalayan regions, such as Everest, Annapurna, Langtang, Mustang, Manalsu, Kanchenjunga, and Dhaulagiri, among others. He also has experience with peak climbing programs on Himalayan peaks such as Island, Mera, Lobuche, and Chulu, as well as other Himalayan peaks below 7,000 meters. Arjun's specialty also covers trek and tour programs in Tibet and Bhutan. 

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How much does health insurance cost in nepal, what does travel health insurance for nepal cover.

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Why we got Nepal Travel Insurance

While trekking is the most popular activity in Nepal it is by no means the only reason to visit Nepal.  The country is a hotspot for adventure and culture junkies alike.  The unique aspects of Nepal, the altitude, and the remoteness of many of the locations to which you will travel bring challenges in terms of the altitude that you’re traveling to and the risk that brings.   If you plan to attempt any of the famous treks, then many outfitters require that you have trekking insurance and especially if you are trekking to higher altitudes. In this article, we’ll share our experiences of trekking to Everest Base Camp and why we considered and bought Nepal travel insurance.

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Why did we take out travel insurance for Nepal?

You can travel anywhere without travel insurance, mostly, if you so choose.  Apart from Cuba, where the government mandates that you must have health insurance before entering the country.  You can also travel to Nepal without travel insurance. However, if you plan to trek at altitude, then many trekking companies, including ours, require you to have insurance that covers you at altitude.  If we hadn’t taken out insurance for Nepal our trekking company simply wouldn’t have allowed us to join the trek.

As it happened, one of our group – most likely the fittest of all of us – suffered from Acute Mountain Sickness and had to be helicoptered out of the mountains to a hospital in Kathmandu, after spending the night in an oxygen tent.  The helicopter company wouldn’t take off to collect him until he’d paid the US$5,000 fee it cost for his rescue.

TLDR:  Consider a quote for Nepal travel insurance here.   Even if you’re already traveling.

Anyways, back to the reasons we took out travel insurance for Nepal.

I try and avoid unforeseen costs with travel insurance

None of this is a surprise, and this is one of the reasons we  look for travel insurance .  We’ve had to return home early in our trips, twice in the last few years for family emergencies and I can tell you that last-minute tickets are not cheap and neither is losing out on more than 60% of a pre-planned and prepaid overland trip.  Luckily our claims were dealt with quickly and efficiently – without which we’d have been nearly US$10,000 out of pocket

There is a high risk of road traffic accidents in Nepal

Poor road conditions in Nepal, combined with the effects of monsoon rains lead to a high rate of road traffic accidents.  In a five-month period in 2017 more than  1,100 people died in traffic accidents.

Our overnight bus trip from Kakarvitta to Kathmandu didn’t have an accident, but driving on Nepali roads overnight is an experience that will have you gritting your teeth.

Serious Crime in Nepal is low, but opportunistic robberies can be a problem

While the rates of serious crime are low in Nepal you should still be aware of your surroundings and protect valuables.  We always travel with a  portable safe  from Pacsafe and secure our valuables in it in the room when we leave.  Our 15-liter Pacsafe can fit two laptops, two kindles, a camera, passports, and money in it.  We locked out valuables inside it when we trekked to Everest Base Camp and left it in our hotel in Kathmandu.

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Adventure activities come with higher risks of injury

Visitors to Nepal come to experience the great outdoors.  They visit Nepal to canyon, to white-water raft or mountain bike – and like us, they come to trek at altitudes that they’ve never been to before (read how we got to 5643 meters above sea level on day 15 of our “longer route” Everest Base Camp trip here ) If you’re considering travel insurance for Nepal, then you can get a quote here.

Nepal is a malarial and dengue fever area

Malaria is endemic in Nepal, although most visitors won’t travel to the areas most affected.  There is not thought to be a malaria risk in Kathmandu, Pokhara, or the trekking regions.  There has, however, been a dengue fever outbreak in southeast Nepal.   Dengue is a mosquito-borne disease that may cause a high fever, headache, vomiting, muscle, and joint pains.  Treatment may require hospitalization.

Safe drinking water is not always provided in Nepal

While Nepal supplies drinking water to more than 80% of the population, water treatment facilities in urban and rural areas are somewhat limited and the drinking water may not be safe.  Nepal has a high degree of water-borne diseases – like diarrhoea, dysentery, typhoid, gastroenteritis, and cholera.   In urban areas, it is possible to buy bottled water – or better still take a filter water bottle (read our guide to the best Filter Water Bottles here )  with you and save the environment and money. 

However, when you’re trekking you’ll be relying on your guide or teahouse to provide you with boiled and filtered water.  This doesn’t always work out (I ended up ill for 8 weeks with travelers gastroenteritis following a trek in Nepal).  My intravenous antibiotics and hospital stay were not nice (typical British understatement there) and it’s not cheap either. I always travel with a filter water bottle and control my own safe water. Trust me it’s worth it.

Best Filter Water Bottle

The Lifestraw Go Water Filter Bottle has a 22-ounce capacity, it has a two-stage carbon filter that lasts for 100 liters of water and a membrane microfilter that lasts up to 4,000 liters of water.  The bottle itself is reusable, extremely durable, and BPA-free.  

Many of the treks in Nepal are at high altitude

Many visitors come to Nepal to trek.  And to trek at altitude.  The most popular treks in Nepal – such as the Everest Base Camp Trek, the Annapurna Circuit, the Langtang Valley Trek, and the Kanchenjunga Base Camp Trek all feature routes that are over 4,900m meters.  They travel through remote areas, where rescue and assistance are difficult, and take time.  Our experience in Nepal showed us that Acute Mountian Sickness is very real and what shocked us most is that it was apparently the fittest member of our group affected. 

Here in Nepal helicopter rescue to lower altitudes costs a minimum of US$5,000.  Trekking insurance in Nepal is a requirement for many of the international trekking companies that work in this region.  Your Government may also give specific advice, here’s what the UK Government Foreign and Commonwealth Office says about traveling to Nepal

The following hazards exist throughout the year, especially above 3,000m:

• sudden weather changes
• avalanches and snowdrifts
• landslides and flooding
• glacial crevasses and hollows
• thunderstorms and lightning
• altitude sickness
• sun exposure

Flight cancellations due to weather are likely

If you plan to trek to Everest Base Camp your trek will likely start with a flight from Kathmandu to the world’s most dangerous airport, Lukla.  It’s an amazing airport to fly in and out of.  When we flew it was in good clear weather, but at an altitude of 2,800 meters, Lukla often gets “weathered in” and flights are canceled when this happens.   Rearranging flights can be an expensive business.  In the most difficult of situations, a helicopter is one, albeit extremely expensive, alternative way to get off the mountain.

Natural Disasters Occur

We were lucky enough to leave Nepal the day before the massive 2015 earthquake.  Friends weren’t so lucky and were still there – in both the Langtang Valley and also in Kathmandu. None of our friends or the trekking team we’d hiked with were hurt, but disruption following the quake was significant to them all.

What do we take into account when buying travel insurance for Nepal?

It depends.

The altitude to which we plan to travel

But for Nepal and our trip, we knew we planned to trek to Everest Base Camp and so the altitude was important to us.

Many travel insurance policies will cover you to an altitude of 2,000 meters and then allow you to buy extra packs that cover you to higher altitudes.  Many travel insurance companies, however, limit this to 4,000 meters. If you’re trekking to Everest Base Camp, you’ll be starting most likely at 2,800 meters from the airport at Lukla, and heading up through the Khumbu Valley, Everest Base Camp is located at 5,380 meters.

If you’re traveling to Nepal for a specific trek, then it’s easy to work out what altitude you need coverage to.  Here are the top altitudes for the major Nepali treks.

• Everest Base Camp Trek: 5,600metres (Kalapathar Summit)
• Annapurna Circuit Trek: 5,416 meters, (Thorong La Pass)
• Annapurna Base Camp Trek: 4,320 m, (Annapurna Base Camp)
• Manaslu Circuit Trek: 5115 meters, (Larkya Pass)
• Ghorepani Poon Hill Trekking: 3,210 m, (Poonhill)
• Langtang Valley Trek: 4,984m, (Tserko Ri)
• Kanchenjunga Base Camp Trek: 5,160 m, (Lapsang Pass)

Where we are when we take out the insurance policy

The vast majority of insurance companies will ONLY provide travel insurance if you are at home when you take out the policy.  AND many others require that you have been resident in that country for at least six months AND that you need to be registered with a local doctor.

We found this out when we started our travels in 2014 – have returned from 4 years working in the USA, we were not registered with a doctor and had been in the country 6 days not 6 months! 

World Nomads offers simple and flexible travel insurance.  Buy at home or while traveling and claim online from anywhere in the world .

Our age and the age of travelers on the same policy

Nigel hit 59 this year.  And that means that our insurance policies need a review, as many companies will no longer cover us as he’s over 55.  

Pre-existing medical conditions

If you live with existing medical conditions or have had surgery within the last 6-12 months you usually have to declare it before buying a travel insurance policy. And yes, this included my badly broken wrist (that was Dunstanburgh Castle in the UK)!

Read the forms carefully while you are buying insurance.  And if you have questions, the only people who can answer them are the insurance company or their agents. 

We’re a World Nomads affiliate and World Nomads provides travel insurance.  We do receive a fee for any quotes generated via our links to World Nomads, but if you want information specifically about their policies – then you must take this directly from World Nomads.

High Altitude Travel Insurance

Primarily most people traveling to Nepal are looking for high-altitude travel insurance.  A peace of mind policy that will get them home safe if the worst happens at the top of a 5,000-metre pass.   But remember to check what the definition of high altitude is.

FAQS on why we bought Nepal Travel Insurance

Got questions about why we use travel insurance for Nepal? Check out the questions we had on insuring for travel to Nepal below.

Is trekking insurance mandatory in Nepal?

No.  Trekking insurance is not mandatory in Nepal.  It may, however, be mandatory with the trekking company that you hike with.  Organizations like World Expeditions require that a copy of insurance be shown to your guide, or sent to their administrative staff.  It’s a sensible policy to have, as the guides will be responsible for getting you off the mountain if something goes wrong.

On our Everest Base Camp trek, the fittest member of our group went down with Acute Mountain Sickness.  Our guide stayed up all night pumping oxygen into the tent that kept him alive all night until he was  heli-vaced off the mountain at Macchermo.  The helicopter would not leave its base until our fellow trekker had provided his credit card for the US$5,000 fee, which he was subsequently refunded by his insurance company.

Do I need Helicopter Evacuation Travel Insurance Cover in Nepal?

If you are trekking at altitude this may be a requirement of your trekking company. Check with them. 

World Nomads offers simple and flexible travel insurance.  Buy at home or while traveling and claim online from anywhere in the world.

What happens if I don’t have travel insurance?

If you don’t have travel insurance and need medical assistance you have to pay for it.  If you require evacuation off the mountain, then the helicopter will not take off until you have provided a credit card to pay for your evacuation. Getting travel insurance is one way to reduce stress when traveling – here’s our guide to other ways.

Essentials for an Everest Base Camp Trek

• To do the Everest Base Camp trek, a medical evacuation by helicopter will cost at least US$5,000. The fittest member of our group was evacuated from Macchermo with altitude sickness. Considering travel insurance for your trip? World Nomads offers coverage for more than 150 adventure activities as well as emergency medical, lost luggage, trip cancellation and more.
• Hiking Poles – these are lightweight, packable , and a great aid. Want more options for trekking poles? My guide to the best budget trekking poles is here .
• Good layering thermals
• Great sunglasses – the glare here is amazing- my Maui Jim sunnies have been to Everest Base Camp, and Macchu Picchu, they’ve sailed the Atlantic, and been to the Galapagos & Easter Island.
• Amazing socks – I’ve hiked in Bridgedale Socks for 10 years now and they’re amazing.
• If you’re looking for hiking boots on a budget – then here’s our guide to the best budget hiking boots for men

And… the most important thing…

• A great team to trek with – you can check options here .

Read a Day by Day Guide to Trekking to Everest Base Camp

Our day by day guides to trekking to Everest Base Camp include step by breathless step guides.

• Day 1: Lukla to Monjo
• Day 2 – Monjo to Namche Bazaar
• Day 3 – Namche Rest Day – Exploring the Khumbu Valley
• Day 4 Namche to Phortse Tenga
• Day 5 Phortse Tenga to Dhole
• Day 6 Dhole to Macchermo
• Day 7 Macchermo Rest Day
• Day 8 Macchermo to Gokyo
• Day 9 Gokyo Ri
• Day 10 Gokyo to Thangnak
• Day 11 Thangnak to Phortse Tenga
• Day 12 Phortse Tenga to Dingboche
• Day 13 Dingboche to Lobuche
• Day 14 Lobuche to Gorakshep
• Gorakshep to Everest Base Camp
• Day 15 Summiting Kalapathar
• Day 16 Dingboche to Deboche
• Day 17 Deboche to Monjo
• Day 18 Monjo to Lukla

Travel Tips for Exploring Nepal

• Read about Nepal in these incredible books
• Read our guide to travel insurance for Nepal
• Get online immediately with an eSIM for Nepal
• Considering travel insurance for your trip? World Nomads offers coverage for more than 150 adventure activities as well as emergency medical, lost luggage, trip cancellation and more.
• Book the best Nepal tours and guides on GetYourGuide , Klook , and Civitatis
• Save money in Nepal with a Wise debit card
• Book accommodation in Nepal with Booking.com and Hostelworld

Final Words on Travel Insurance in Nepal

Our final words about why we opted for travel insurance in Nepal. Our personal experiences on visiting Nepal led to two instances where travel insurance was a requirement – one a helicopter evacuation (read about it  here ), another an 8 weeks illness.  Both situations would have cost hundreds and thousands of dollars if insurance hadn’t been in place.

We receive a fee when you get a quote from World Nomads using our affiliate links. We do not represent World Nomads. This is not a recommendation to buy travel insurance.

ASocialNomad is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com, amazon.co.uk, and amazon.ca. Amazon and the Amazon logo are trademarks of Amazon.com, Inc. or its affiliates. As an Amazon Associate, I earn from qualifying purchases .

Sarah Carter

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Travel Insurance for Nepal

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Trip cancellation any serious injury of unforesseen medical condition that makes you unfit for travel (by order of licensed physician). the death of you or your travelling companion, or the death of a non-travelling family member. strikes or severe weather that result in travel services being unable to operate.unforeseen natural disasters at home or at the destination that make them uninhabitable. a legal obligation such as jury duty or being served with a court order or subpoena., search and rescue operation including evacuation by helicopter. up to 6000m, premium loss of baggage.

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• Military and historical reenactments;
• Rowing (kayaking and canoeing);
• Ice skating (except figure skating), sledding (except bobsledding, tobogganing, and skeleton), tubing, snow skates;
• Ball games (football, basketball, American football, rugby, volleyball, and others);
• Tennis (any);
• Roller skating (except rollerblading), scooters, segways (and other self-balancing personal transporter devices);
• Travel as a driver or passenger on ATVs, scooters, mopeds, scooters and motorcycles, snowmobiles;
• Visiting water parks, amusement parks, jumping on a trampoline;
• Water activities (other than those explicitly mentioned in the riskier options), including the use of water bicycles (except aquabikes and jet skis), towed inflatables and parachutes (parasailing), boats and watercraft;
• Recreational organized shooting at specially equipped sites (including archery);
• Water skiing, water motorcycles (aquabike), water tourism including yachting and participation in regattas;
• Alpine skiing and snowboarding on specially equipped or marked tracks (except freestyle);
• Trekking (cross-country hiking without mountaineering equipment) up to 3000 meters above sea level;
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• Paragliding;
• Hot Air Balloon;
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• Passports, travel and living abroad
• Travel abroad
• Foreign travel advice

Before you travel check that:

• your destination can provide the healthcare you may need
• you have appropriate travel insurance for local treatment or unexpected medical evacuation

This is particularly important if you have a health condition or are pregnant.

Emergency medical number

There is no central public ambulance service. Some private providers operate in the main cities. In an emergency, call the local hospital.

Contact your insurance company promptly if you’re referred to a medical facility for treatment.

Vaccinations and health risks

At least 8 weeks before your trip check:

• the latest information on vaccinations and health risks in TravelHealthPro’s Nepal guide
• where to get vaccines and whether you have to pay on the NHS travel vaccinations page

Altitude sickness is a risk in parts of Nepal, particularly in tourist and trekking areas. Read more about altitude sickness on TravelHealthPro .

There are seasonal outbreaks of dengue fever, especially in the south-east of Nepal, but cases have been reported across much of the country. Several cases were also recorded in Kathmandu during 2022. If you’re travelling in any area where dengue is prevalent, take extra precautions to avoid mosquito bites .

Cholera is endemic in various parts of Nepal. Every year there are reports of outbreaks, particularly in the hilly districts in the west of the country. There have been confirmed cases of cholera in Kathmandu, Nepalganj city in western Nepal and in Doti, Bajhang and Gorkha districts.

Air pollution is a hazard to public health, particularly in Nepal’s cities and especially during December to April. Children, the elderly, and those with pre-existing medical conditions may be especially affected. More information about outdoor air quality is available from TravelHealthPro .

The legal status and regulation of some medicines prescribed or bought in the UK can be different in other countries.

Read best practice when travelling with medicines on TravelHealthPro .

The NHS has information on whether you can take your medicine abroad .

Healthcare facilities in Nepal

Medical treatment is expensive at western travellers’ clinics in Nepal. Healthcare is poor in most places outside the Kathmandu Valley and Pokhara. It may be difficult to get rapid helicopter evacuation if you fall ill or suffer a serious accident in a remote area of the country. Make sure you have adequate travel health insurance and accessible funds to cover the cost of any medical treatment abroad, repatriation and evacuation by helicopter. This usually costs between £1,000 and £2,000 or more per flying hour.

FCDO has a list of English-speaking doctors in Nepal .

There is also guidance on healthcare if you’re living in Nepal .

Travel and mental health

Read FCDO guidance on travel and mental health . There is also [mental health guidance on TravelHealthPro].(https://travelhealthpro.org.uk/factsheet/85/travelling-with-mental-health-conditions).

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Travel Insurance For Nepal From India

Travel Insurance for Nepal

Don’t carry an extra baggage of worries when you’re going out for a trip. From lost belongings to emergency medical care, you can leave all your concerns to us and enjoy your vacation as you imagined it.

Key benefits of travel insurance while travelling to Nepal

• Trip Cancellation
• Local Assistance
• Baggage lost or delayed cover
• Duplicate or new passport, in case it gets lost
• Compensation when flight gets delayed
• Reimburse bounced bookings of hotels & airline
• Automatic policy extension for 7 days
• Reimburse for emergency transportation to a hospital, treatment and medical supplies.

UIN: TATTIOP02004V010102

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Secure your trip with the right insurance

If you’re planning on visiting Nepal, a travel insurance for Nepal is recommended to cover you during the trip. Tata AIG’s Travel Guard is the best travel insurance for Nepal with comprehensive coverage against all kinds of travel delays, cancellations, sickness that are a possibility given Nepal’s unpredictable weather, especially in remote locations.

Alternatively, if you fall sick or get injured, the only way out from most areas is via helicopter ambulance. Travel Guard not only offers 24x7 assistance anywhere in the world, it also covers any medical exigencies, including emergency evacuations. So, you can travel stress-free with insurance for Nepal knowing that you are completely covered in case of any untoward incident. You can compare travel insurance plans to pick the one that suits you the most, in terms of coverage amount & premium.

It takes just a few minutes to purchase your online travel insurance for Nepal. Make sure you #ThinkAhead and invest in the right travel insurance such as TATA AIG’s International travel Insurance for a stress-free vacation.

Soak in the energy of Kathmandu

The capital city will most likely be your starting point in Nepal. Kathmandu has an old-world charm, with narrow lanes and historic buildings, but the city is equally vibrant. From curio shops to cafés and carved statues to historic temples, the city is a great amalgamation of the old and new. The stunning Pashupatinath temple, Swayambhunath temple (famous for its monkeys), and Kopan Monastery are must-visit tourist spots. For a relaxed evening, Thamel is the best place to pick up local handicrafts, listen to some amazing live bands as well as gorge on some great food.

Enjoy a royal experience

If you are a history buff, visit Bhaktapur, which is located just outside Kathmandu for a royal experience. With palaces and temples dating back many centuries, there is much to be explored in the cultural capital of Nepal. You can start off at Darbar Square, which is the royal palace and a UNESCO World Heritage Site.

The 55-window palace, national art museum, Taleju temple, Nyatapola temple, and Dattatreya temple are some places you can explore in the city. For the hearty eaters, Bhaktapur is the perfect place to try out the traditional spicy Newari cuisine. To cool yourself down, you can try the special type of curd they serve in the city known as ‘Ju Ju Dhau’.

Become one with nature

If you’re looking to detox in the lap of nature, head 200 km east of Kathmandu to Pokhara. Nestled on the foothills of some of the highest mountain ranges, Pokhara is one of Nepal's most scenic cities. It also serves as the starting point for most treks and adventure sports such as paragliding, white water rafting. The picturesque lake Phewa surrounded by the colossal mountains of Dhaulagiri, Manaslu, and Annapurna form a picture-perfect backdrop, and the assortment of lakeside hotels, restaurants, and shops will make your time there enjoyable.

Explore the roof of the world

There are multiple hikes and treks you can attempt when in Nepal – ranging from a day to a 30-day expedition to Everest base camp for serious trekkers. Treks around the Lantang region, also known as the land of the Sherpas, can be breathtaking. High passes, expansive mountain views, and old monasteries along the way make it a worthwhile effort.

Getting around in Nepal

The best way to get around Nepal is to hire a private taxi. This essentially means a chauffeured car to take you across cities. The one thing you should know about the country is that the roads are not in the best condition and the traffic could be cumbersome at times. Also, the mountainous roads take a lot more time to navigate. This means that travelling could take quite a bit of your time, even if it is for relatively short distances.

On the plus side, your driver will also operate as your tour guide and take you to a lot of Nepal’s hidden gems. Remember to ask for recommendations on where to eat locally to get an authentic taste of the country’s rich cuisine.

You can also travel by safe and affordable tourist buses. These are quite comfortable with designated seats and are usually air-conditioned. Book your tickets in advance, especially if you are travelling in larger groups. It’s best to avoid local buses as they tend to be overcrowded.

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2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

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Travel Insurance For Trekking In Nepal – What You Need (And What You Need To Know)

No one likes to play ‘worst case scenario’, but when it comes to hiking, there are certain risks involved. Taking out good travel insurance for trekking in Nepal is a small price to pay for peace of mind.

Unlike standard travel insurance. Trekking insurance is a specific type of cover for people who are exposed to high altitudes, avalanches, and adventure-related mishaps in a foreign country.

In this guide, I’ll talk about why you need trekking insurance and what it should cover. I’ll also put you on to some of the best international trekking covers as trusted by adventurers around the world.

Do You Need Travel Insurance For Hiking In Nepal? 

Travel insurance is not mandatory, but many Nepal trekking companies will request that you have hiking insurance to join their tours. Most agencies recommend that you are covered for a minimum of $100,000 plus emergency medical evacuation.

It might seem like an unnecessary use of precious travel funds but insurance is one of those things it’s better to ‘have and not need' than  to 'need and not have’. Even if it’s not strictly required, I wouldn’t leave home without at least a basic cover policy.

Risks While Trekking In Nepal

Altitude sickness.

High altitude sickness, also known as acute mountain sickness (AMS), is a common condition that can affect trekkers and climbers. It is hard to say exactly who will be affected by AMS but its usually seen in those who ascend to high altitudes too quickly without proper acclimatization .

Many trekking routes in Nepal involve hiking to high elevations with a risk of altitude sickness. Hikes in Nepal that pose a risk of high altitude sickness include Everest Base Camp , Annapurna Circuit trek , Langtang Valley hike and Manaslu Circuit . All of these have passes and viewpoints 5000m (16, 400 ft) or above.

Symptoms of altitude sickness can range from mild to severe. These may include headaches, nausea and shortness of breath. In severe cases, altitude sickness can lead to life threatening cerebral or pulmonary edema .

Trekking Accidents

It’s not worth over-stressing about it but accidents in the mountains and on hiking routes can and do happen. Even small injuries like a sprain or pulled muscle can be a big problem on a trek.

High altitudes can cause you to feel dizzy and disorientated, this increased the risk of accidents. The high altitudes also worsen existing health problems including any heart or respiratory issues.

Also keep in mind that you will be in a foreign country and the healthcare system may be a little different to what you are used to. It’s better to have insurance that will cover the best possible hospital care and relocation back to your own country if necessary.

Although the risk of an avalanche or landslide is rare, these do happen on hiking routes in Nepal. During the cold months (December to February) the risk of avalanches is typically highest. Avalanches are also frequent in the spring (March to May) as ice packs start to melt.

According to the  Nepal National Mountain Guide Association  (NNMGA), avalanches in Nepal cause an average of 12 deaths per year. In 2015, a massive earthquake triggered an avalanche on Mount Everest. This freak accident killed 19 people at the Everest Base Camp (admittedly all of them were climbers, not hikers).

What Should Your Trekking Insurance Cover?

As previously mentioned, accidents are always a risk while hiking. This is even more so at high altitudes. Your Nepal trekking insurance should be enough to cover hospitalization and treatment in a worst-case-scenario.

Evacuation By Helicopter

If something does go wrong in the mountains, your only exit option is by air. If you have to pay out of pocket, a helicopter evacuation will cost anywhere from $2000.

According to a 2020 published paper , between 2016 & 2017, a single hospital in Nepal (CIWEC hospital) received 1,354 helicopter evacuated patients. The vast majority of these patients were from the Everest region. Some of these evacuations were probably an over-reaction. Still, its obviously a risk worth considering.

Cover for helicopter rescue is especially vital for peak climbing. It is an important factor when calculating the cost of climbing Everest and other 8000ers.

Baggage Loss Or Theft

Imagine getting to Nepal only to find your trekking boots did not make the trip. Stolen, lost or delayed gear could ruin your whole adventure. Make sure your insurance covers baggage (and will pay out fairly quickly) so that you can afford to replace what you need and get going again.

Expenses For Delayed And Cancelled Flights

Natural disasters and weather are beyond our control. This doesn’t mean you can’t plan ahead for unwanted situations. Flights in Nepal can be canceled or delayed for days (even weeks) due to bad weather. Good travel insurance should cover unforeseen expenses including accommodation while you wait for rescheduled flights.

General Health Cover

Insurance is not only for trekking. For one thing, Asia's local food does not agree with everyone! A good plan should cover doctors' appointments and prescribed medicine (whether for flu, COVID or an upset stomach). Most travel insurance will also cover limited dentistry work.

Why Is Travel Insurance For Nepal So Expensive?

There are a lot of travel insurance products on the market at an equally wide range of prices. It’s tempting to go with a cheap option. Although there are some decent choices available, the low-budget insurance plans will not cover what you need for high-altitude trekking in Nepal.

Over recent years, Nepal has seen a steep increase in tourist numbers. There has also been an exponential increase in the number of claims for helicopter rescues. Not all of these claims have been legit. There have been several scams where rescue companies paid travelers to claim for unnecessary (or non-existent) helicopter services.

Understandably, this has made many travel insurers hesitant to include air rescue in their cover. Those that do, price their policies accordingly.

Best Travel Insurance For Trekking In Nepal

I am by no means an insurance expert. These recommendations are based on my own experience with insurance companies and those of travelers I’ve met along the way. You should always read the policy fine print and ask a ton of ‘what if’ questions before signing up for insurance. 

1. World Nomads

For years, World Nomads has been our number-one pick for travel insurance. They offer emergency evacuation and medical assistance for trekking in Nepal. This insurer provides all aspects of cover including baggage and repatriation in the event of an accident and trip delay cover (including weather-related delays). World Nomads is also an excellent choice for remote workers as they cover equipment including cameras and laptops.

2. Allianz Travel Insurance

Allianz has been around for years. They are professionals in all types of insurance including travel cover. Alianz Travel sells a range of plans depending on what type of benefits you want to include.

3. Travelex Insurance Services

Travelex is another reliable insurer. They cover all types of international trips and have specific packages for backpacking and long term travel. You can select from different, upgradable cover plans so you will only pay for what you need. Most of their plans cover emergency medical evacuation and travel delays.

About the author 

Alison Macallister

With a degree in Nature Conservation and experience working with wildlife including the Big 5, Alison used to work as a guide for a 5-star safari reserve in South Africa. Today she is a full time traveller and editor for Mountain IQ. She has travelled and hiked extensively in South America, including many solo hikes in Patagonia, the Cusco region of Peru, Ecuador and Chile.

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Keeping in mind growing need of medical insurance for Nepalese going overseas, Prabhu has come up with ‘ Prabhu Travel Insurance Policy ‘ – This insurance is intended to cover the insured in the event of sudden and unexpected sickness or accident arising when he is abroad and also loss of checked baggage, passport and public liability by means of extension the policy.

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Travel Medical Insurance

All Nepalese citizens travelling to foreign countries for business and entertainment can take this insurance. People from foreign countries and living in Nepal for a long term can also take this insurance provided their travel begins from and terminates in Nepal.

This insurance can be taken under two plans. Plans are defined as below: Plan A: Medical Expenses + Personal Accident Cover (A-C) Plan B: Package Cover (A-N)

The benefits under this insurance is as follows: A: Personal Accident B: Medical and Emergency Expenses C: Hospital Ancillary Benefit D: Loss of Checked Baggage E: Delay of Checked Baggage F: Loss of Passport G: Personal Liability H: Travel Delay I: Hijack J: Cancellation & Curtailment. K: Emergency Return Home following Death of a Close Family Member L: Catastrophe M: Legal expenses N: Repatriation of family members travelling with participants

The benefit under different geographical areas is defined as below: Area 1 : Worldwide including USA & Canada – It provides benefits A-N under Plan B Area 2 : Worldwide excluding USA & Canada – It provides benefits A-N under Plan B Area 3 : Asian countries (Macau, Cambodia, China, Indonesia, Laos, Malaysia Mongolia,  Myanmar(Burma), Philippines, South Korea, Taiwan, Thailand, Timar-Leste, Vietnam, Japan, Singapore, Hongkong )– It provides benefits A-I under Plan B Area 4 : SAARC Countries(India, Bangladesh, Maldives, Bhutan, Sri Lanka, Pakistan & Afghanistan)- It provides benefits A-B under Plan A. Plan B is not applicable for this area.

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• The average travel insurance premium this week is $284.68, about the same compared to last week.
• For travel in the United States, the average premium is $92 to $400.
• Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

The average travel insurance premium this week is about the same compared to last week.

Travel insurance rates this week:

• Average premium: $284.68
• Average trip cost: $6,819.26
• Average trip length: 16 Days

Understanding Travel Insurance

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average Cost of Travel Insurance by Destination

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth.

Here's how the prices stack up:

Source: SquareMouth

How Far in Advance to Purchase Travel Insurance

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average Cost of Travel Insurance by Age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

Travel Insurance Rate Tips

How much does travel insurance typically cost.

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors. This week, the average cost of a policy was close to $300.

How can I save money on travel insurance?

To save money on travel insurance, tailor your policy to your specific needs and avoid unnecessary extras. You should also shop around to compare quotes from multiple insurers. Opting for an annual plan if you're a frequent traveler, checking existing coverages from other insurance policies or credit card benefits, and choosing a policy with a higher deductible can significantly lower your premiums. Always read the fine print to understand your coverage fully, ensuring you don't pay for redundant or irrelevant features.

Where are the cheapest places to buy travel insurance?

To find affordable travel insurance, consider using online comparison websites like SquareMouth or InsureMyTrip to see rates from various providers. Other ways to save include purchasing directly from insurance companies, exploring package deals from travel agencies or airlines, utilizing included coverage from credit card benefits, and checking for discounts through membership organizations such as AAA or AARP.

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Alignment Health Plan Medicare Advantage 2024 Review

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Alignment Health Plan

CMS Star Rating Average Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).

Alignment Health Plan sells Medicare Advantage plans in six states, and star ratings from CMS are about average.

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Members in high-rated plans Percentage of members who are in rated contracts with a Medicare star rating of 4 or higher.

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2.36 (Below average)

• Low-cost plans, and a lower average out-of-pocket max than most.
• All plans include prescription drug coverage.
• Some plans in 2024 will include Part B rebates.
• Available in only 6 states.
• Member experience ratings are below the average for major providers.

Alignment Health Plan Medicare Advantage plans are available in six states, and the provider’s star ratings from the Centers for Medicare & Medicaid Services (CMS) are average. Member experience ratings, however, fall below those of major providers. In 2024, members may have access to new benefit offerings, such as Medicare Part B premium rebates.

Here’s what you should know about Alignment Health Plan Medicare Advantage.

Alignment Health Plan Medicare Advantage pros and cons

Alignment Health Plan’s offerings have advantages and disadvantages.

Low-cost plans: Most Alignment Health Plan Medicare Advantage plans offer a $0 premium, and the average maximum out-of-pocket cost is lower than major providers. 

Part B help: Alignment’s smartHMO plans offer Medicare Part B rebates.

Drug coverage: All Alignment Health Plan Medicare Advantage plans include prescription drug coverage.

Help for chronically ill: Alignment offers a $500+ quarterly allowance to members of some Dual-Eligible Special Needs Plans (D-SNPs) that they can use for things like groceries and home safety items.

Limited availability: Alignment Health Plan offers Medicare Advantage plans in just six states: Arizona, California, Florida, Nevada, North Carolina and Texas. 

Member experience marks: Average member experience ratings, including customer service and care coordination, for all Alignment Medicare Advantage plans fall below the average for major providers. 

» MORE: Best Medicare Advantage plans

Alignment Health Plan Medicare star ratings

Average star rating, weighted by enrollment: 3.95

The Centers for Medicare & Medicaid Services maintains star ratings for Medicare Advantage plans on a 5-point scale, ranking plans from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

Based on the most recent year of data and weighted by enrollment, Alignment Health Plan’s 2024 Medicare Advantage plans get an average rating of 3.95 stars [0] Centers for Medicare & Medicaid Services . 2024 Star Ratings Data Tables (Oct 13 2023) (ZIP) . Accessed Apr 18, 2024. View all sources .

For comparison, the average star rating for plans from all providers is 4.04 [0] Centers for Medicare & Medicaid Services . 10.13.23 Fact Sheet - 2024 Medicare Advantage and Part D Ratings (PDF) . Accessed Apr 18, 2024. View all sources .

You can find a plan’s rating with the Medicare plan finding tool .

What does Alignment Health Plan Medicare Advantage cost?

Costs for Medicare Advantage plans depend on your plan, your geographic location and your health needs.

One of the costs to consider is the plan’s premium. In 2024, nine out of 10 Alignment Health Plan Medicare Advantage plans that aren’t special needs plans (SNPs) have a $0 premium [0] Centers for Medicare & Medicaid Services . CY2024_Landscape_Files_Final_20240314 (ZIP) . Accessed Apr 18, 2024. View all sources .

Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $174.70 per month in 2024 [0] Centers for Medicare & Medicaid Services . Costs . Accessed Apr 18, 2024. View all sources , although some plans cover part or all of this cost. (Most people pay this standard amount, but if your income is above a certain threshold, you'll pay more .)

Copays, coinsurance and deductibles

Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:

Whether the plan covers any part of your monthly Medicare Part B premium.

The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

The plan’s in-network and out-of-network out-of-pocket maximums.

Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.

Whether you require extra benefits, and if the plan charges for them.

To get a sense of costs, use Medicare’s plan-finding tool to compare information among available plans in your area. You can select by insurance carrier to see only Alignment Health Plan plans or compare across carriers.

Available Medicare Advantage plans

There are a few kinds of Alignment Health Plan Medicare Advantage plans, and they vary in terms of structure, costs and benefits. Alignment Health Plan offers Medicare Advantage prescription drug plans (MAPDs).

Plan offerings include the following types:

A health maintenance organization (HMO) generally requires that you use a specific network of doctors and hospitals. You may need a referral from your primary doctor in order to see a specialist, and out-of-network benefits are usually very limited.

HMO point of service (POS) plans are HMO plans that allow members to get some out-of-network services, but they’ll pay more for those services.

Preferred provider organization (PPO) plans provide the most freedom, allowing you to see any provider that accepts the insurance. You may not need to choose a primary doctor, and you don’t need referrals to see specialists. You can seek out-of-network care, although it may cost more than seeing an in-network doctor.

Special needs plans (SNPs) restrict membership to people with certain diseases or characteristics. Hence, the benefits, network and drug formularies are tailored to the needs of those members. Alignment Health Plan offers two types of SNPs:

Chronic Condition SNP: Designed to meet the needs of members living with certain chronic conditions, such as diabetes, congestive heart failure and cardiovascular disease.

Dual-Eligible SNP: For people who are entitled to Medicare and who also qualify for assistance from a state Medicaid program.

Alignment Health Plan Medicare Advantage service area

Alignment Health Plan offers Medicare Advantage plans in six states: Arizona, California, Florida, Nevada, North Carolina and Texas.

Alignment Health Plan covers 144,000 Medicare Advantage beneficiaries [0] The Chartis Group . Mounting Headwinds in Medicare Advantage Market Haven't Stopped Growth . Accessed Apr 18, 2024. View all sources .

Compare Medicare Advantage providers

Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.

AARP Medicare Advantage plans .

Aetna Medicare Advantage plans .

Anthem Medicare Advantage plans.

Blue Cross Blue Shield Medicare Advantage plans .

Cigna Medicare Advantage plans.

Humana Medicare Advantage plans .

Kaiser Permanente Medicare Advantage plans.

UnitedHealthcare Medicare Advantage plans .

Wellcare Medicare Advantage plans .

Find the right Medicare Advantage plan

It’s important to do your research before selecting a Medicare Advantage plan for yourself . Here are some questions to consider asking:

What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?

More on NerdWallet.com

Best Medicare Advantage Plans

Medicare Open Enrollment: What You Need to Know

What Is Medicare, and What Does It Cover?

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Travel Insurance For Vietnam: Everything You Need To Know

Updated: Apr 26, 2024, 11:14am

Table of Contents

Do australians need travel insurance for vietnam, what does travel insurance for vietnam cover, frequently asked questions (faqs).

Vietnam is an increasingly popular travel destination for Australians, with the country even hoping to encourage more Aussies to visit by potentially waiving visa requirements in due time.

The Southeast Asian country is set to be high on the list for Aussies going overseas in 2024. The number of Australian tourists in Vietnam now exceeds pre-pandemic levels: more than 317,000 Australians visited Vietnam in 2019 , while there were 390,000 Aussie visitors in 2023.

Plus, as more and more flights become available, such as low-cost carrier Vietjet Air launching a direct service between Hanoi and Melbourne earlier this year, getting to Vietnam is becoming easier for Australians.

If the direct flights, fascinating history, vast scenery and delicious food aren’t enough to convince Australian travellers, the cost may be. Vietnam is considered one of the cheapest travel destinations in the world for Australian tourists due to our strong conversion rate against the Vietnamese Dong and the nation’s low cost of living in comparison to our own.

And while cheap thrills may be what you’re after on your vacation, it’s important not to skimp on the necessities that may cost that little bit extra—such as travel insurance. This guide outlines what you need to know regarding travel insurance in Vietnam.

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Medical cover

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Cover-More Travel Insurance

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Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Investing in travel insurance is a good idea for any overseas trip. Travel insurance policies can help protect you from having to dive deep into your pockets, with many offering unlimited medical treatment while abroad and cancellation cover for your trip should the unexpected occur.

Travel insurance is not just handy for medical purposes or travel changes, either. Your personal items can be covered, should any baggage go missing or an important item be stolen—which, unfortunately, often occurs in Vietnam.

Smarttraveller warns Australians to be alert at all times in Vietnam, considering petty theft–including bag slashing–is common in tourist areas and crowded places, especially during holiday times. Snatch-and-grab theft by thieves on motorcycles is also common, the website states.

Like most international travel insurance policies, you will be able to find basic coverage for your trip to Vietnam, or choose to opt for a more comprehensive, albeit more expensive, policy.

While a basic policy will often cover medical expenses and lost luggage,a comprehensive policy includes a lot more. Most basic policies also likely won’t offer compensation for travel delays, stolen cash, accidental death and more.

Additionally, if you are going on a trip to multiple countries within the year, it may be worth opting for an ‘annual multi trip’ insurance instead—making sure that there are no exclusions to the regions you are wishing to visit.

Visa Requirements For Australians Travelling to Vietnam

You’ll still be allowed to travel to Vietnam if you don’t invest in travel insurance, but you do so at your own risk—and, as stated, it is highly advised to have a travel insurance policy for any overseas trip.

However, what you cannot do is enter Vietnam as an Australian tourist without a tourist visa. While Vietnam will grant Australian citizens visas on arrival, applying for one online is much easier.

A tourist visa costs under $100 AUD; however the exact price depends on your length of stay.

The Vietnamese government may consider waiving visas for Australian citizens, especially since many other SEA countries have done so such as Indonesia and Thailand .

However, at the time of writing, Forbes Advisor Australia has confirmed that Australian citizens must still obtain a visa to visit Vietnam for tourism purposes.

The exact inclusions of your travel insurance will be dependent on your personal policy and the provider.

However, generally speaking, you can expect a travel insurance policy for Vietnam to offer some level of cover for:

• Medical expenses;
• Lost, damaged or stolen luggage;
• Travel cancellations or delays ;
• Personal liability;
• Credit card fraud;
• Covid-19 expenses;

If you are partaking in certain sports and activities, you will need to make sure that you choose a policy that covers them. You’ll also need to make sure that your policy covers any pre-existing medical conditions as well.

Plus, if you are travelling with valuables, you may wish to opt for a policy that lets you increase the protection cover on your items.

Ultimately, you need to consider what your trip consists of, what you will be taking with you, and your physical health to establish what policies would be appropriate for you.

From there, you can compare quotes of different policies and providers to ensure you have the optimal—yet affordable—cover for your trip to Vietnam.

Does Travel Insurance Cover The Ha-Giang Loop?

Considered one of the most scenic motorcycle routes in the world, the Ha-Giang Loop is a popular tourist activity in Vietnam for adventurous travellers. If the Ha-Giang Loop is one of your goals, you’ll need to make sure you have travel insurance that covers motorcycling.

Occasionally a policy may include this as one of their included ‘sports and activities’, but it is more often the case that you will need to purchase an additional ‘adventure pack’ that is either specific to, or includes, motorsports.

Even so, when purchasing an additional pack to cover motorbikes, you need to be cautious of the conditions. For example, some policies will only cover motorcycle riding if the bike you are riding has an engine under a certain size.

Often, coverage will cease and claims won’t be accepted if you haven’t been wearing the correct safety equipment such as boots and a helmet, or have been under the influence of drugs and alcohol.

What Does Travel Insurance Exclude?

Your travel insurance policy may exclude some activities that you wish to partake in, unless you can opt-in to purchase an additional adventure pack as explained above in regards to motorbike riding.

Just like with the inclusions of a policy, the exclusions depend on what type of policy you choose, and what provider you go with.

Commonly, however, you won’t be covered for instances where you:

• Break the law;
• Are under the influence of alcohol or drugs;
• Partake in an excluded activity;
• Receive medical treatment for a pre-existing condition that was not disclosed;
• Travel to a ‘Do Not Travel’ destination as outlined by Smarttraveller.

As always, it is essential to read the product disclosure statement (PDS) of your travel insurance policy carefully to understand what you will and won’t be covered for while overseas.

Do I need a visa to travel to Vietnam?

Yes, as of April 2024, Australian tourists still need a visa to travel to Vietnam. This visa can be obtained on arrival, or purchased online prior to travel. The visa takes approximately three days to process online, and the cost depends on how long you intend to stay in the country.

Does international travel insurance cover Covid-19?

Many comprehensive travel insurance policies now cover Covid-19, including medical conditions related to Covid-19 or trip cancellations due to a Covid-19 diagnosis. However, it is not guaranteed that all policies will. It’s important to check your policy’s PDS carefully to understand what it will and will not cover in regards to Covid-19 for both you and your travelling companions.

Related: Travel Insurance And Covid: Are You Covered?

How much does travel insurance cost for Vietnam?

The cost of your travel insurance for a trip to Vietnam will depend on your age, your health, the activities you wish to partake in, and the length of your stay.

For example, for a 34 year old with no pre-existing medical conditions travelling to Vietnam for two weeks, a policy from some of our top choices for comprehensive travel insurance would cost around $130 (based on quotes from Cover-More , 1Cover , and Fast Cover ).

The prices of these quotes would change depending on a chosen excess, cancellation cover, and any additional coverage options you may choose to purchase such as adventure packs or cruise cover.

Related: How Much Does Travel Insurance Cost?

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Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.