Nepal Travel Insurance: What You Must Have Before You Trek
Why Standard Travel Insurance Isn’t Enough for Nepal
Most standard travel insurance policies exclude: high-altitude trekking above a certain elevation (often 4,000–5,000 m), helicopter evacuation, and “adventure activities.” Before you buy, read the fine print carefully. For Nepal trekking — especially EBC and high-pass routes — you need specialist adventure travel insurance.
What Your Policy Must Include
- Helicopter evacuation — this is the most critical coverage for Nepal. Helicopter rescue from EBC or high Annapurna is USD 4,000–6,000. From Lukla to Kathmandu: USD 2,000–3,000. The Nepal government does not provide free rescue.
- Medical treatment — minimum USD 100,000 medical coverage. CIWEC Hospital and other Kathmandu international clinics are expensive.
- High-altitude coverage — your policy must explicitly cover trekking to the altitude you plan to reach. Check the fine print: some policies cover to 5,000 m; EBC requires 5,545 m coverage. Manaslu and Three Passes require 5,535 m+.
- Cancellation and trip interruption — if you’re evacuated due to altitude sickness mid-trek, what costs are covered?
- Pre-existing conditions — declare everything. Non-disclosure voids claims.
Recommended Specialist Insurers (2025)
- World Nomads — popular with independent trekkers; covers up to 6,000 m on Explorer plan
- True Traveller — strong UK option with excellent altitude coverage
- Battleface — good US-based option with adventure sports coverage
- Campbell Irvine — specialist expedition insurer for high-altitude mountaineering
- Global Rescue — membership-based rescue service that works alongside insurance
We do not have commercial relationships with any insurer — these are simply the policies our guides see working most reliably in real rescue situations.
The Nepal Rescue Process
When a rescue is needed on trail, your guide will contact our emergency line. We coordinate with helicopter operators and hospitals in Kathmandu. The process:
- Medical assessment by guide (oximeter, symptom checklist)
- Decision to evacuate (this decision should never be delayed)
- Helicopter operator contacted; insurance company notified for direct billing where possible
- Helicopter arrives — typically within 20–60 minutes in good weather
- Patient transported to Kathmandu, typically CIWEC Hospital or Grande International Hospital
- Insurance claim filed with medical documentation
What We Require
All Infinity Sky Travels guests must provide proof of valid travel insurance covering helicopter evacuation and trekking to the altitude of their chosen itinerary before departure. This is non-negotiable and is specified in our booking terms. We’ve seen the alternative — it ends badly.
Cost of Getting This Wrong
In 2023, an uninsured trekker evacuated from Gokyo Lakes (4,790 m) paid USD 5,200 out of pocket for helicopter evacuation and USD 3,800 for 3 days of hospital treatment in Kathmandu. Their total Nepal trip cost became USD 11,000 instead of the planned USD 1,800. Insurance for the same trip would have cost approximately USD 120–180. This is the simplest risk calculation in travel.