Travel Insurance
Getting yourself travel insured is not an expense, but more like an investment to help you in case of any unforeseen mishaps. Travel insurance providers are there to cover expenses related to emergency rescue services, accidents, etc. However, different insurance providers have different insurance packages with various clauses, so make sure that you understand the terms and conditions of the insurance package before you sign up.
In case of an emergency evacuation, none of our trekking package will cover expenses related to it. Your travel insurance provider is the one who should pay for the whole expense related to it. If you are not insured we will not be taking you on our trip.
We, as an agency, hold the right to terminate the trip or any individual of the group trip if they do not have travel insurance prior to the start of the trip. In such a case, the expelled individual does not hold the right to any reimbursement. We will not be able to return you with any of the payments you will have made in regards to the trip.
Coverage
Travel insurance covers a lot of things including theft, medical expenses, expenses due to bad weather, emergency rescue services, and more. You will get a detailed document stating all the coverage and exceptions when you are about to get insured.
These coverage come in different forms, some might cover your entire expense, which will cost you a bit more, while the others cover only a portion of the unexpected expenses but are relatively cheaper.
Not included
There are a lot of things travel insurance does not cover which you might come to a conclusion that they do. So always be sure that you know what you are signing up for. Travel insurance does save you from hefty expenses but it does not cover all the aspects. Here are some that you need to know of.
- Pre-existing illnesses: If you suffer from any medical conditions that might get worse while traveling to the higher altitude regions, the travel insurance policy does not cover that.
- Accidents caused by reckless behaviour: We understand that you can be full of adrenaline while traveling high in the mountains. You might make some mistakes and hurt yourself, some of which insurance does not recognize. For example, if you decide to climb a tree and get hurt in the process, or you decide to swim in a fast flowing river.
Hazards
Hoping for the best is the way to go, but you should also take the necessary precautions. It is common for trip plans to go bad. You can get sick or experience an unpredictable mishap. Your stay might be canceled or shortened due to illness or accident; someone could steal your funds or baggage; or, in the event of a major catastrophe, your family could have to take a plane to be with you. All of these dangers and more are covered by travel insurance.
Altitude
Make sure the policy covers the altitude and pursuits you want to undertake before buying travel insurance. Verify if the precise altitude region you intend to trek to is covered by your insurance. Make sure your intended activities and maximum height are covered by the policy since many insurance companies have altitude restrictions or exclusions.
You may prevent coverage gaps and provide sufficient protection in case of emergencies connected to altitude by double-checking these parameters in advance.
Safety
Making the choice to go on a trip with us is entirely the traveler’s own. The person traveling is also in charge of their own private security, and the type of insurance coverage they select. Travel insurance plans for extended periods of time in Nepal are frequently offered with a wide range of optional features to meet your unique needs, including coverage for extreme outdoor adventure activities, winter treks, valuables, and more.
Because of this, it is advised that, before leaving for the trip, you must thoroughly investigate all of the potential long-term travel insurance policy companies.
Medical Insurance
A vital kind of insurance for travelers is medical and emergency evacuation, particularly for those going into remote or dangerous locations like Nepal’s mountain trekking trails. In the case of medical crises or an immediate need for evacuation, such coverage is essential to guaranteeing trekkers’ protection and financial security.
If you become sick or hurt while traveling, your health coverage will pay for healthcare expenses, doctor visits, and other related costs. It is important to have this coverage due to the possibility of expensive treatment, particularly when traveling in the remote Himalayas.
Emergency rescue is especially important for trekking in remote regions such as the mountains of Nepal. The expenses of being evacuated following a medical emergency can be quite significant, particularly if a helicopter rescue is necessary. These expenses are covered by this insurance.
In the event that you are admitted to a medical facility, some policies will also pay for a family member’s transportation expenses to visit you, which may be a big help while you heal back to full health.
Trip Cancellations Policy
Travelers who want to make large financial commitments to their travels, such as those starting treks in Nepal, will find trip cancellation and interruption insurance to be a very important kind of coverage. This insurance aids in guarding against monetary losses that may arise from an unanticipated cancellation or abrupt travel interruption for a number of unanticipated circumstances.
In the event that you must cancel your trip before it starts, trip cancellation insurance will reimburse non-refundable travel costs. Natural catastrophes or other major unanticipated occurrences, as well as the traveler’s sickness, or accidents, are common covered causes.
Accidental Coverage
Personal accident insurance is a crucial kind of protection, particularly for tourists who travel and partake in risky activities like mountain climbing or extreme activities. Financial protection is offered by this insurance in the tragic event that an accident results in harm, incapacity, or death.
This accidental death policy provides a lump sum payment to the insured individual’s beneficiaries in the unfortunate occurrence of an unexpected death. It’s an essential financial security blanket for dependents or members of the family.
The permanent disability policy pays out if an accident causes a permanent handicap, such as losing one’s sight or limbs. Depending on how severe the impairment is, different coverage amounts may apply.