First of all, insurance is a must! But you really need to check the fine print of your policy.
Most travel insurance policies will cover you while you are trekking (often referred to as ‘hiking’ in insurance policies) and will include emergency medical evacuation costs. However, you should read the policy carefully and check for any exclusions. For example, using a rope (even as a handline) or itineraries that go higher than a stipulated maximum altitude during your trek could void your policy.
It is also vital that you establish some contacts in Kathmandu that could help you should an accident occur, see Rescue and Emergency for more details.
Climbing insurance Nepal
With multiple insurance scams over the last decade in Nepal, some insurance companies have upped their premiums for high altitude areas. Do check that trekking (hiking) in Nepal is covered up to the altitude you intend to trek, for example for the high passes you will need coverage to 7000m, and that your cover includes evacuation.
Household insurers or your medical insurer (especially if you live in the USA or Canada) can offer you an appropriate policy and they are often cheaper than a travel agent. Other options include, Global Rescue for rescue and medical expenses and the Austrian Climbing Association Insurance but note you will have to join the association.
Insurance for trekking in the Himalaya
When purchasing insurance for trekking, check the small print and make sure it covers both adventure activities and altitude as many travel insurances companies do not cover people over 4,000 meters. Make sure you choose a policy that covers medical and emergency repatriation, including helicopter evacuation for trekkers
World Nomads Travel Insurance: Is available to residents in over 150 countries and can be purchased on line via their website by credit card. They cover adventure sports & mountain activities which includes trekking. They allow you to take travel insurance out for just a few days, weeks or months and to extend your policy from anywhere in the world. One big advantage is that you can purchase your insurance even after you’ve begun travelling and are already abroad.
These five best travel insurances that we suggested for trekking in Nepal are the ones with their agent and offices in Nepal because they are large brands and have a lot of customers. These insurance companies are also conscious of the fake trekking businesses that will rescue you by making you ill because there will be a significant inquiry after your rescue while the insurance company pays a bill.