Nepal Travel Insurance – Why Travellers to Nepal Need It?

Nepal- country which lies under the foothills of the mighty Himalayas. Nepal is best known for its natural beauty, breathtaking scenery, majestic views of Himalayas, pristine lakes and many more. For the passionate traveller and adventure seekers who want thrill and adrenaline, visiting Nepal will be the dream come true experience. Nepal is the ideal destination to experience the adventure, thrill and adrenaline. Yearly thousand of passionate travellers from all around the globe, make their way to this natural paradise country seeking to conquer the peak of the highest mountain in the world -Mt Everest, trailing on off-the-beaten paths and isolated trails, rafting on a roaring river, jumping 160 m down into the deepest George, or cycling through terrain hills and mountains exploring the unique culture and rich cultural heritage.

With the eight out of ten highest peaks in the world and several peaks above 6000m to 7000m, most of the Nepal is covered by hilly terrain. Because of this best natural setting, Nepal is the best destination in the world for the thrill and adventure seekers. Best thrilling adventure can be experienced in Nepal. But some times the thrill may come up with serious hazard. The joyful and adventurous tour of our may seldom backfire at us due to the risk of nature. While trailing in the high hill areas there is always a possibility of injury or an accident. Trekking to the High hill and mountainous region, one is always at a mercy of nature. There is always a chance of landslide, mudslide or the avalanche occurring which may result vital for one’s life. In the worst case, one may lose their life as well. Climbing a peak is riskier and has high threat to one’s life. On the way of conquering peak, bad whether and low visibility may play spoil sport making your way journey impossible to carry on further. Moreover, being at the high altitude for the longer period of time, may be prove vital for your health. Most of the trekking routs of Nepal takes you up to the elevation of 3000 m to 5000m and even higher. At the higher elevation, the air becomes thinner with lesser amount of oxygen to breath in. In such atmosphere, people who cannot adopt the surrounding will suffer from the altitude sickness or Acute Mountain Sickness (AMS).

Trekking in the high altitude rough terrains may also occur afflictions like sprained ankle or even broken leg, appendix ruptures, hypothermia, skin infection and respiratory infection. If any of this misfortune happens to you, then it should be treated on time. If left untreated then you may even loose your life. If any of the above-mentioned affliction happens to you at higher altitude, then you don’t want to spend day or a week trekking back to the city. In such case evacuation by air is necessary which may cost a minimum of USD $5,000 exclusive of hospital treatment or in-flight medical service. This will not only keep your life at danger but will end up costing your health as well as your bank account. In order to avoid such misfortune and unforeseen expenses, taking out a Travel Insurance is mandatory. Taking out a proper Travel insurance will help you to enjoy your trip to utmost without the worry of the hospital bills (if hospitalized due to certain reasons), or extra expenses you have to make due to delay in flight or any natural calamities.  Before starting trekking in Nepal, you just need to make sure that your Insurance Policy covers all the expenses of your trip. Some of the expenses you Policy should posses to trek in Nepal are:

High Altitude Sickness

Trekking in Nepal will take you up to the elevation of 5000m to 6000m or more. Trekking, climbing or expedition in such high altitude has always a risk of High altitude sickness or Acute Mountain Sickness (AMS). So, you need make sure that your insurance company provides the policy of altitude sickness and support air evacuation at the time of emergency. You also need to know how high you are going and the maximum altitude of hiking your policy supports,

Accidents

Accidents are the misfortune everyone wants to avoid. Even though we try to avoid such thing, there is always a high risk of accidents. While mountain trekking and climbing we are at the mercy of nature. We may have to face the accidents even though we don’t want to. So, insurance policy should cover your accidents expenses and also the evacuation at the time of need.

Illness

Travelling has always the risk of illness as your body does not adopt the surrounding. You body will have hard time adopting the food or hygiene that your body requires. So, your insurance policy should be ready to make your expenses in the case of illness or any treatment required while you trek though isolated terrains of Nepal.

Stolen, Lost or Delayed Baggage

This issue is familiar to all the travellers. Sometimes your baggage may get stolen, lost or delayed due to various reason. So, your travel insurance policy should cover if any of the case happens to you.

Other General Subjects

Because of the bad weather and other various reason there is always the chance of delay of flight or even cancelation. This phenomenon is frequent while you take flight to the mountains. The flight may be cancelled by a day or two or even more. In some cases, you will also need to take a private helicopter which is quite expensive in Nepal. So, you need to make sure that your policy covers the expenses raise due to the cancelation of flight or other reasons which are beyond our control.