Travel insurance is optional for travelers visiting the cultural or city sites of Nepal. It is also optional during hiking and trekking below the altitude of 2500m. We do our best to make the journey smooth and wonderful, but if any casualties occur during these short trips to the traveler without insurance, then the traveler has to risk it themselves. The Himalayan monk will not be responsible for the unprecedented accidents and disasters.
However, travel insurance is obligatory for any adventure trips in Nepal. Adventure trips are the long expeditions in the high Himalayas that require days or weeks to complete. An adventure trip poses more chances of accidents and risks that are unforeseen. The trip may result in difficult circumstances, sickness, or injuries especially in the high altitudes in the Himalayas. So, it is a wise decision to have travel insurance beforehand. The insurance should cover medical and emergency evacuation cost worth a minimum of USD 100,000.
The insurance should cover helicopter services and medical evacuation services. The high regions of the Himalayas are mostly unreachable and impossible during emergency. So a helicopter dispatch service should be included in cases of emergency. A good insurance policy that covers all the risks and calamities that may arise during the trip is a worth for your own life.
There are wide ranges of travel insurances that can be found on the internet. You can browse through them and choose the ones as you prefer. The travel insurance policies should be read in detail and make sure it cover all the services such as medical assistance and helicopter service during emergency in the high mountains. It is always better be careful than to be sorry later. A good travel insurance is a safety of life.