Travel Insurance for Nepal
What you need to know when visiting the roof of the world.
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Nepal is a small country that packs a big punch. Home to the majestic Himalayas and Everest Base Camp trek, there’s no shortage of things to do and see. Before traveling to the Roof of the World, consider packing travel insurance.
- What’s covered in Nepal?
- Why should I consider travel insurance for a trip to Nepal?
- What to look out for when travelling around Nepal
- What’s not covered?
- Travel insurance and safety tips when visiting Nepal
- FAQs for travellers going to Nepal
What’s covered in Nepal
Depending on your country of residence and the plan you choose, our policies can protect you up to policy limits for benefits including:
- Emergency medical treatment
- Medical evacuation and repatriation
- More than 150 activities, sports, and experiences
- Trip cancellation and delay
- Baggage and personal belongings
- Coronavirus-related events
- Cover for families small and large
- Cover for extended stays and if you’re working
World Nomads offers two plans – Standard and Explorer – each offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs. It’s important to note that all plans are different depending on your country of residence and the plan that you’ve selected and may require upgrades for cover to apply.
Why should I consider travel insurance for a trip to Nepal
Travel insurance could help if you land in Pokhara but your baggage doesn’t, if your trek is delayed due to extreme weather, or if you suffer altitude sickness and need to be evacuated.
Adventuring in Nepal
Our policies offer cover for injuries and accidents for more than 150 activities, sports and experiences whether you’re on jungle safari in Chitwan National Park or white-water rafting the Bhote Koshi. Be sure to specify the activities you intend to do when you purchase your policy, as you can’t add them afterwards.
Hiking in Nepal
Our policies offer cover for high altitude hiking, trekking and camping up to 6,000 metres including Base Camp and Annapurna. We can also cover medical evacuation if medically necessary. Keep in mind that you may require a policy upgrade to be covered.
Backpacking in Nepal
With plenty of affordable accommodation, delicious food and rich culture, Nepal is a backpacker's dream. Our policies may cover you if your passport is stolen whilst browsing Asan market, for travel disruption or if your trip is cancelled.
What to look out for when traveling around Nepal
Keep your valuables safe
Remember to remain vigilant and keep your valuables in sight when exploring Kathmandu and beyond. Our policies may cover theft if your valuables are stolen (depending on your country of residence and up to policy limits). We can also cover high-value items with an upgrade.
Staying healthy and safe in Nepal
If you get food poisoning from a dodgy dal or you’re injured while trekking, our policies can cover you for emergency medical treatment. We can even bring you home for treatment if required.
Travel disruptions in Nepal
Nepal's roads, flights, and weather can be unpredictable. If your trekking adventure is cancelled due to a natural catastrophe, or your flights are delayed due to an unforeseen event our policies can cover you.
What’s not covered
Travel insurance isn’t designed to cover everything. There are some things we can’t cover, including, but not limited to:
- Trekking/camping over 6,000 metres in elevation, mountaineering, and ice climbing
- Participation in any adventure sports activities where you don’t purchase the appropriate level upgrade, or where it is specifically excluded
- Existing medical conditions
- If you travel against medical advice or neglect to adhere to U.S. Department of State ‘Do Not Travel’ warnings issued prior to departure
- Unsupervised baggage or personal items
- Being intoxicated by alcohol or drugs or acting illegally.
Always check the terms and conditions of your policy. If you’re not sure about anything or have any questions, contact us.
Travel insurance and safety tips when visiting Nepal
- When to visit: Autumn (September to November) and spring (March to May) are the best times to visit Nepal. Autumn offers clear skies and moderate temperatures, making it ideal for trekking. Spring brings blooming rhododendrons and milder weather, perfect for cultural sightseeing and adventure activities.
- Use licensed guides and porters: They are trained to handle emergencies and know the terrain and conditions.
- Be prepared for altitude sickness: Altitude sickness is a real possibility in Nepal. Read about how to handle altitude sickness while trekking.
- Keep copies of all receipts, tickets, paperwork: you’ll need to provide these in the event of a claim.
Check out our Explore section that has travel information on Nepal to get up to date information and travel tips. You can also go to our travel alerts page, which has safety information.
Stay protected on your Nepal adventure - Buy Travel Insurance today!
Have more questions
If you have more questions about travel insurance, feel free to contact us.
Top three places to visit in Nepal:
- Everest Base Camp
The ultimate trekking experience, Everest Base Camp offers breathtaking views of the world’s highest peak. The journey is challenging but incredibly rewarding. - Pokhara
This scenic lakeside town is a gateway to the Annapurna region and offers beautiful mountain views, peaceful lakes, and adventure activities like paragliding. - Kathmandu
Nepal’s bustling capital is filled with ancient temples, palaces, and rich history. Don’t miss the famous Boudhanath Stupa and Swayambhunath (Monkey Temple).
Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.
Travel insurance doesn’t cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage. If you have any questions, please contact us.
Are you sick in the mountains?
If you are presently in Nepal and suspect you are suffering from Acute Mountain Sickness (AMS) you should immediately contact our 24/7 Emergency Assistance team. Symptoms may include headaches, nausea, shortness of breath and inability to exercise. Most cases are mild but some are life-threatening.
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation before you leave home.
- Explorer Plan: USD $10,000
- Standard Plan: USD $5,000
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Overseas Medical Insurance
Take the pain out of medical costs while traveling overseas.
- Explorer Plan: Unlimited, up to 12 months
- Standard Plan: USD $5,000,000
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
We'll get you to hospital quickly.
- Explorer Plan: USD $500,000
- Standard Plan: USD $500,000
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Cover your stolen or damaged gear and tech.
- Explorer Plan: USD $3,500
- Standard Plan: USD $2,500
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Overseas Medical & Dental Expenses
- 24 hour Emergency Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Pre-Trip Cancellation
- Trip Interruption
- Resumption of Trip
- Travel Delay
- Missed connection (Explorer)
- Hijacking (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Rental vehicle insurance excess (Explorer)
- Personal accident (Explorer)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Phone:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)
FAQs for travellers going to Nepal
Here are our most frequently asked questions about travelling to Nepal and travel insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Do I need travel insurance for trekking in Nepal?
Trekking in Nepal involves high-risk activities, and travel insurance with adventure coverage should be considered just in case you suffer an injury, illness or get lost and need to be evacuated. World Nomads Travel Insurance could be useful if you have a medical emergency or need to be evacuated off the side of a mountain.
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Will travel insurance cover flight cancellations due to weather in Nepal?
World Nomads Travel Insurance can cover non-refundable expenses for flight cancellations caused by severe weather disruptions, especially in the Nepalese mountains. Read your policy for more details and scan for the sections in the PDS that mention severe weather or natural disasters or contact us for more information.
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Can I buy travel insurance once I’m already in Nepal?
With World Nomads, you can buy travel insurance as soon as your trip is locked in and you're ready to go, or while you're on the road travelling around Nepal. Please be aware that if you buy a policy while traveling, waiting periods, conditions and restrictions on cover do apply.
Before your trip, check the latest government advice for any travel alerts for your destination.