Travel Insurance Assistance in Nepal

How Epic Trek Nepal Helps

Finding your travel insurance can feel confusing, especially if it is your first time trekking at high altitudes. For that we help make the process easy with our 5 steps procedure.

1. We learn about your trip

We start off by learning about your destination, the trekking route and the duration of your trip. If you are just doing a cultural tour, you will have a different policy than a month-long trekking in the Himalayas or peak climbing. We also learn about the activities you plan to do because certain policies cover certain altitude differently.

2. We identify important coverage

The next step involves helping you define your coverage requirements. In most cases, you will need a policy that covers you for high-altitude trekking, emergencies, and helicopter evacuation. We help you define these coverage requirements which are often overlooked by many travelers.

3. We recommend an insurance company

After knowing your requirements, we then refer you to an insurance company or insurance agent.

4. We assist with the process

Insurance documentation can be time-consuming, especially from outside the country. We facilitate the coordination of the communication process between the provider and provide information about the trip whenever required to make sure everything flows smoothly.

5. The insurance policy is purchased by you directly

At this step, you would be purchasing the insurance policy directly from the insurance company. The insurance company will be responsible for issuing and managing the policy. We just facilitate the process.

This way, you get all the help without getting confused about the responsibilities.

Trekking Insurance for Nepal

All treks in Nepal do not present the same risks. The trek itself is important when choosing what insurance you should go for.

Low altitude treks

Ghorepani Poon Hill, Australian Camp, and other shorter Annapurna routes remain at low altitudes where sickness is not really a risk. Standard travel insurance may cover such treks, but it is advisable to check whether trekking is included in the insurance.

High altitude treks

Everest Base Camp, Annapurna Circuit, Manaslu Circuit, Langtang Valley, and Upper Mustang all pass through altitudes higher than 3,500 meters. Trekking at such altitudes requires special high-altitude insurance because of the altitude limits of regular travel insurance policies.

Remote and adventurous treks

Going trekking in Kanchenjunga, Makalu, Dolpo, Dhaulahagiri and Lumba Sumba means going through some of the remote places of Nepal. The trekking in these areas involves more risks like a smaller number of trekkers, less rescue services and long time for rescue services.

This is the main thing you need to keep in mind: check the maximum altitude for which your insurance policy gives coverage to see if it covers your trekking destination or not. A travel insurance policy covering up to 4,000 meters will not be of any use when your trekking involves crossing 5,400 meters pass.

At Epic Trek Nepal, we assist you in getting the best trekking insurance according to your route and not just by the travel category. The travel and trekking insurance assistance offered by us includes analysis of your route details.

Helicopter Evacuation

Some trekking route in Nepal has no access at all from the road and might be located several days away from the closest medical facility. In case of any emergencies during the trip, only a helicopter evacuation could possibly be used to provide necessary assistance.

Therefore, it is important to pay specific attention to evacuation and not to consider it as a minor detail. While choosing an insurance policy, it is crucial to learn whether this policy includes the emergency helicopter evacuation, under what circumstances it is provided, and what is the maximum coverage amount.

This information is crucial. Sometimes policies cover only such evacuations at some altitude or provide very low sums compared to the real rescue expenses, which can be several thousands in the Himalayas.

Different terms are also followed by different companies. While some companies need pre-approval before sending their helicopters, others need a certificate of medical necessity issued by a doctor who is present there. Lack of such information beforehand can lead to some serious trouble in case of an emergency.

It is exactly such gaps that our Travel Insurance Assistance in Nepal aims to fill. Our Nepal travel insurance assistance makes sure that you get answers to all the necessary questions before buying any insurance package. Our service gives you information on the proper questions concerning your maximum altitude limit, trigger conditions and coverage limit.

What is Usually not Covered in an Insurance?

Knowing what policy doesn’t cover is just as important as knowing what it covers. There will always be exception to any policy, but knowing them allows you to prepare accordingly.

Some examples of common exclusions include treks exceeding the maximum altitude allowed by the policy. Suppose your insurance only provides coverage up to 4,500 meters and the trek crosses over 5,000-meter pass, then your insurance will not cover you after you have crossed 4,500 m where you will need it the most. So, check before purchasing the insurance.

Activities not specifically covered by the insurance policy. Some plans differentiate hiking from technical trekking, so check whether the activity included falls within either definition.

Any existing medical condition not notified to the insurance provider and approved before traveling. It is wise to consult with your insurer on this aspect beforehand.

Issues related to drinking and drug abuse are also typically excluded from coverage. The same applies to unauthorized medical evacuation using helicopters without adhering to the protocol stipulated by insurers.

Negligence and/or recklessness can also remove some claims, along with lost property but not stolen or damaged by an insured event.

Such exclusions are highly varied from one insurance provider to another. So, we make sure to have you a proper insurance, and do not hesitate to contact us for any clarification prior to your journey.

Who can Use our insurance Travel & Trekking Insurance Support

We do not only provide travel insurance services for trekkers going to the base camp of Mount Everest in Nepal. Our travel insurance plan in Nepal is applicable to any traveler who requires an insurance plan while traveling either in Nepal or Tibet.

Foreign travelers visiting Kathmandu, Pokhara, and Chitwan need insurance as much as trekkers. Visiting Nepal has its own set of risks like transportation risks or getting sick in an unknown land.

The majority of our clients are trekking travelers and adventure travelers. It is natural since there are certain risks involved while trekking. They may be taking a small hike or climbing a pass that is quite difficult.

Most families visiting Nepal don’t give insurance any thought when planning logistics for their children or older parents. Our job is to help you learn about what a family insurance plan should include.

Solo visitors have to be careful since there’s nobody around to take care of everything in case of an issue. This makes good insurance even more crucial.

People who combine their visit to Nepal with Tibet also require policies which will provide them with coverage for two areas, as the coverage zones vary.

Those going to trek at high altitudes or climb peaks require the most detailed insurance because of the high risks associated with such activity above 5,000 meters.

Our Nepal travel insurance advice will help you choose proper protection no matter why you’re coming to Nepal.

How the Insurance Assistance Process Works

Obtaining an insurance should not be a complicated process. We have divided our procedures into 5 clear stages that make it easier for you to understand how things work at our company.

Step 1: Contact Epic Trek Nepal

The process begins with a straightforward call. Contact us and let us know about your trip to Nepal.

Let us know your travel dates, destinations, and if you plan to go trekking there. All this can be accomplished in less than five minutes.

Step 2: Share your itinerary

We want to know your trekking destination, how long your journey will be, and the activities you are planning while on your trip. Our analysis of the itinerary will help us recommend the right type of insurance for you.

Step 3: Get connected you with an insurance provider

With your plan in mind, we connect you with a suitable insurance provider. This is where our travel insurance service in Nepal comes into play.

Instead of having to sift through a number of unfamiliar insurance providers by yourself, you can easily contact the person that knows the travel and trekking conditions in Nepal.

Step 4: Talk to the provider and buy the policy

At this point, you have to contact the insurance provider yourself. They will explain what policy they offer and how much it costs.

Here is the moment where you should ask all your questions regarding altitude limits, evacuation conditions, and the claims process. Once you are convinced of something, you will choose and buy the policy directly from the insurance provider.

Step 5: Get your insurance documents

Once purchased, you will be handed your insurance documents and contact numbers in case of an emergency. Make sure that you keep them with you all along your adventure, not only when you are at home.

It is best if you have a hard copy of it especially if you are traveling to places where the internet is unreliable. This is important in case you need to contact someone if there is an emergency during your journey.

Our step-by-step guide to getting help with travel & trekking insurance makes things easier for you. At all times, you will know what is going to happen next.

Why Use Epic Trek Nepal for Nepal Travel Insurance Assistance.

Insurance companies understand policies. We know the terrain of Nepal. This is the reason why having a local trekkers’ support service can be very advantageous for you.

We have trekked these routes. From the dusty paths of Ghorepani to those in the thin atmosphere of Thorong La Pass, we know what each terrain requires from a trekker.

It is from this knowledge of the different terrains of Nepal that we understand when a certain trek may be high-risk and when it may be low risk. The insurance that would work for Poon Hill would most likely fail to work for Manaslu circuit; we know this because we have conducted them. We provide assistance to our clients long before they even land in Nepal. This way, we advise them on the best insurance cover they should purchase during their travel planning phase.

Knowledge of high-altitude trekking enables us to understand what issues need to be highlighted. Altitude sickness, unexpected weather change, and slow reaction in rescue operations are the facts of life known to us from our own experience.

We have established relationships with insurance companies that are well aware of trekking conditions in Nepal. That will make introductions much easier for you compared to introducing yourself without any prior contacts.

Above all, our services will help you figure out what questions you should be asking your insurance company. Things like restrictions on coverage and evacuation limits become much clearer when explained by someone who knows the Nepalese terrain.

Our job is not to ensure anything, but to guide you. Insurance companies will deal with everything else – approvals, coverage, claims, etc.