Nepal Travel Insurance | 2027

Last updated 16 October 2026.

Short answer: Every trekker needs travel insurance that covers medical treatment and helicopter rescue up to the highest point of the trek. Our rule is simple: take your trek's highest point and round it up to the next 500 m. That means 6,000 m for Everest Base Camp, 5,500 m for the Annapurna Circuit, and 4,500 m for Annapurna Base Camp.

  • Cover must include trekking at altitude and emergency helicopter evacuation
  • Peak climbs: cover to the summit height
  • Buy your policy at home; we do not recommend policies bought in Nepal
  • Carry the insurer's emergency number and give a copy to your guide

Related: Insurance for Everest Base Camp · What cover you need · Altitude sickness

You should be prepared for the possibility that you will experience unanticipated difficulties in Nepal, such as becoming ill, experiencing altitude sickness, having your flight delayed, or losing your bags. Therefore, obtaining travel insurance is essential. ⁠If trekking and climbing in the Himalayas, this insurance policy should also cover expensive helicopter rescues and medical assistance. This allows you to enjoy your trip without worrying about unexpected costs, so you can focus on the trek.

Travel insurance for Nepal should cover the following incidents:

Medical Emergencies: Medical care can be expensive in Nepal. Travel insurance helps cover medical bills in case of illness or injury, so you don't get stuck with the bill.

Rescue/Evacuation: Himalayan terrains are rugged and remote. Furthermore, the weather at high altitudes can be unpredictable. Thus, a helicopter evacuation may be necessary if you fall ill or cannot continue your trek. Travel insurance will cover the cost of such evacuation operations.

Trip Cancellation: Unforeseen circumstances such as flight cancellations, natural disasters, or personal emergencies may disrupt your travel plans. Travel insurance allows you to reimburse your prepaid expenses in such cases.

Lost/Misplaced Baggage: Losing your baggage can disrupt your itinerary. Travel insurance will provide compensation and reimbursement for replacing lost luggage.

Travel Insurance Cost in Nepal

Your travel insurance cost in Nepal depends on several factors. Age, trip duration, coverage plans, and deductibles all determine the price. For example, a basic city visit needs very different coverage than a high-altitude hiking trip. Basic plans for a short sightseeing trip are affordable, but specialised insurance that covers high-altitude trekking and extreme sports is pricier. This insurance is necessary to keep you safe and financially secure in isolated parts of the Himalayas.

Trekking Insurance (Up to 3,000 m)

  • 1 week: USD 60–80
  • 2 weeks: USD 80–100
  • 1 month: USD 120–150

High-Altitude Trekking (3,000 m – 4,000 m)

  • 1 week: USD 80–120
  • 2–3 weeks: USD 130–200
  • 1 month: USD 200–250

Very High Altitude (4,000 m – 6,000 m, e.g., Everest Base Camp)

  • 1 week: USD 120–200
  • 2–3 weeks: USD 200–300
  • 1 month: USD 300–400+

Extreme Altitude (Above 6,000 m, peak climbing)

  • Per day: USD 15–30
  • 3 weeks: USD 315–630
  • 1 month: USD 450–900+

Things to Consider Before Getting Nepal Travel Insurance

Compare Plans: Compare the plans of various insurance providers. Don’t settle for the first plan you find. Compare quotes from different companies to find the best coverage at a competitive price.

Disclose Pre-existing Medical Conditions: If you have pre-existing medical conditions, disclose them when obtaining a quote. Some policies may exclude coverage for complications arising from these conditions.

Review Policy Wording: Read your policy carefully to understand what it covers. If you are confused, ask your insurance provider for clarification on any ambiguous clauses.

Early Purchase for Mountaineering Permits: Purchase your policy early if you plan to travel to the Himalayas. Certain activities, like mountaineering, may require travel insurance well in advance to obtain permits.

Travel insurance is mandatory for Nepal. Having travel insurance lets you travel knowing you are financially protected against unexpected incidents that can happen while trekking.

Frequently asked questions

Is travel insurance mandatory for trekking in Nepal?

Yes, for every trek we run. It must cover medical treatment and helicopter rescue up to the highest point of your trek.

How high does my insurance need to cover?

Take the trek's highest point and round up to the next 500 m. For Everest Base Camp that is 6,000 m; for the Annapurna Circuit it is 5,500 m, because a helicopter cannot land on the Thorong La itself.

Can I buy insurance in Nepal?

We do not recommend it. Buy a policy at home that names trekking at altitude and helicopter evacuation.

What should I give my guide?

A copy of your policy number and your insurer's 24-hour emergency number, so your guide can call them from the first place with a signal.