Best Travel Insurance for Trekking in Nepal (2025 Guide)

Trekking in Nepal is an incredible adventure, but altitude sickness, unpredictable weather, and emergency evacuations make travel insurance essential. Whether hiking Everest Base Camp (5,364m), Annapurna Circuit, or Manaslu Circuit, you need a policy covering high-altitude trekking, helicopter rescue, medical emergencies, and trip cancellations.

Top 11 Travel Insurance Providers for Trekking in Nepal

1. World Nomads – Best for Adventure Travelers (USA, Canada, Australia, New Zealand)

World Nomads is one of the most popular travel insurance providers for trekkers due to its comprehensive coverage and flexibility. It offers policies specifically designed for high-altitude trekking, making it a top choice for those hiking in Nepal.

Altitude Coverage: Up to 6,000m (Everest Region Treks, Annapurna, Langtang)
Key Features:

• Emergency evacuation & helicopter rescue

• Trip cancellation & lost baggage protection

• Medical coverage for injuries & illnesses

• 24/7 assistance & easy claims process

Best for: Trekkers above 5,000m, high-altitude climbers, and adventure sports enthusiasts.

2. SafetyWing – Best for Digital Nomads & Long-Term Travelers (Global)

If you plan to trek while traveling long-term, SafetyWing is a great choice. This insurance provider is ideal for digital nomads who want a budget-friendly, flexible plan while covering essential trekking risks.

Altitude Coverage: Up to 4,500m
Key Features:

• Low-cost travel insurance with global coverage

• Medical expenses, trip interruption, and lost baggage

• Flexible monthly payments for long-term travelers

Best for: Backpackers, budget travelers, and digital nomads staying in Nepal for months.

3. Allianz Global Assistance – Best for Comprehensive Medical Coverage (USA, Canada, Europe)

Allianz offers one of the best travel insurance policies with high medical expense limits and a strong reputation for customer service.

Altitude Coverage: Up to 5,500m
Key Features:

• High medical expense coverage for injuries or sickness

• Helicopter rescue and hospital bills covered

• Trip cancellations and delays included

Best for: Trekkers needing strong medical coverage and USA, Canada, and European travelers.

4. IMG Global – Best for High-Altitude Treks (USA, UK, Australia)

For trekkers aiming for higher altitudes like Everest Base Camp (5,364m), IMG Global provides tailored policies for adventure travelers.

Altitude Coverage: Up to 6,000m
Key Features:

• Emergency helicopter evacuation

• Coverage for extreme weather delays

• Lost baggage and trip delay benefits

Best for: Everest Base Camp & Annapurna Circuit trekkers from the USA, UK, and Australia.

5. InsureMyTrip – Best for Customizable Plans (USA, Canada)

If you’re looking for a customizable travel insurance plan, InsureMyTrip lets you compare multiple providers and choose the best coverage for your trekking needs.

Altitude Coverage: Depends on the plan
Key Features:

• Compare multiple travel insurance providers

• Trekking and adventure sports add-ons

• Customizable medical and evacuation limits

Best for: Travelers who want flexibility in choosing their plan.

6. Travelex Insurance – Best Budget-Friendly Insurance (USA, Australia, New Zealand)

Travelex Insurance is ideal for budget-conscious trekkers who still want reliable coverage without spending too much.

Altitude Coverage: Up to 5,000m
Key Features:

• Lower-cost option for trekkers on a budget

• Covers trip cancellations, delays, and baggage loss

• Emergency medical assistance included

Best for: Budget travelers looking for essential coverage.

7. True Traveller – Best for European Travelers (UK, Europe)

For trekkers from Europe, True Traveller is an excellent option with adventure travel-focused policies.

Altitude Coverage: Up to 6,000m

Key Features:

• High-altitude trekking add-ons available

• Emergency evacuation & repatriation included

• Covers pre-existing conditions for an extra cost

Best for: Trekkers from the UK and Europe.

8. Global Rescue – Best for Emergency Evacuation (Worldwide)

If your main concern is emergency evacuation and rescue, Global Rescue specializes in providing high-end evacuation services for trekkers in remote locations.

Altitude Coverage: No limit (covers mountaineering rescues above 6,000m)
Key Features:

• Emergency search & rescue team dispatch

• No trip cancellations, but top-tier evacuation

Best for: High-risk trekkers needing emergency rescue.

9. Bajaj Allianz – Best for Indian Travelers Trekking in Nepal (India)

Bajaj Allianz is one of the best travel insurance for Indian Travelers Trekking in Nepal.

Altitude Coverage: Up to 6,000m
Key Features:

• Medical expenses for accidents and illnesses

• Helicopter evacuation & trip cancellation coverage

• Affordable for Indian trekkers

Best for: Indian travelers trekking Everest Base Camp or Annapurna Circuit.

10. ICICI Lombard – Best Comprehensive Travel Insurance for Indians (India)

ICICI Lombard is a great option for Indians if they want Comprehensive Travel Insurance.

Altitude Coverage: Up to 5,500m
Key Features:

• Covers lost baggage, medical expenses, and trip delays

• Includes high-altitude trekking coverage

Best for: Indians looking for a balance between price & coverage.

11. HDFC Ergo – Best Budget Insurance for Indian Trekkers (India)

HDFC Ergo is considered the Best Budget Insurance for Indian Trekkers.

Altitude Coverage: Up to 5,000m
Key Features:

• Affordable premium for trekking insurance

• Emergency evacuation, medical expenses, and trip cancellations

Best for: Indian trekkers who want budget-friendly coverage.

How to Choose the Best Travel Insurance for Trekking in Nepal?

When selecting travel insurance for trekking in Nepal, consider the following factors:

1. Altitude Coverage:

Ensure the policy covers the maximum altitude of your trek, especially for routes like Everest Base Camp (5,364m) and Annapurna Circuit (5,416m).

2. Emergency Evacuation and Helicopter Rescue:

In case of altitude sickness or severe injury, helicopter evacuation can be lifesaving. Look for policies that cover helicopter rescues and emergency evacuations.

3. Medical Expenses:

Medical treatment in Nepal can be costly for foreigners. Ensure your insurance covers hospital bills, doctor visits, and prescription medications.

4. Trip Cancellation and Interruption:

Unpredictable weather and health issues can lead to canceled treks. Trip cancellation and interruption insurance can help you recover non-refundable expenses.

5. Lost or Stolen Baggage Protection:

If you’re carrying expensive trekking gear, opt for a policy that covers lost, stolen, or delayed baggage.

6. Customer Support & Claims Process:

Choose a provider with 24/7 customer support and an easy claims process to ensure smooth handling in case of emergencies.

7. Blockage due to natural disaster: 

Unexpected events, such as a natural disaster, could cause your trip to be canceled.

How to Choose the Best Travel Insurance for Trekking in Nepal?

When selecting travel insurance for trekking in Nepal, there are several important factors to consider. Trekking in the Himalayas is a thrilling yet challenging experience, with risks such as altitude sickness, extreme weather, and physical injuries. To ensure a safe and worry-free adventure, here’s what you should look for in a comprehensive travel insurance policy.

1. Altitude Coverage

   • Many travel insurance policies set a maximum altitude limit (e.g., 5,000m or 6,000m).

   • If you plan to trek to Everest Base Camp (5,364m) or Annapurna Circuit (5,416m), ensure your policy covers trekking above 5,000m.

   • Some insurers have altitude restrictions for trekking without ropes or guides, so check their terms carefully.

2. Emergency Evacuation and Helicopter Rescue

   • High-altitude sickness (AMS) can be life-threatening, requiring immediate descent.

   • Helicopter evacuations in Nepal cost between $5,000–$10,000 USD, so having full coverage is essential.

   • Insurance should include medical evacuation to Kathmandu or your home country in case of severe emergencies.

3. Medical Expenses

   • Hospitalization and emergency care for trekkers in Nepal can be expensive for foreign travelers.

   • Look for high medical expense coverage ($100,000+ USD recommended) for injuries, frostbite, or illnesses.

   • Ensure it includes doctor visits, prescription medication, and necessary treatments.

4. Trip Cancellation and Interruption

   • Unexpected events like bad weather, flight cancellations, or personal emergencies can disrupt your trip.

   • Choose a policy that reimburses prepaid bookings if you have to cancel or cut short your trek.

   • Policies should cover delays due to natural disasters, political unrest, or unexpected injuries.

5. Lost or Stolen Baggage Protection

   • Trekking gear is expensive—ensure your policy covers lost, stolen, or delayed baggage.

   • Look for reimbursement for lost passports, electronics, and trekking essentials.

   • Some insurers also cover gear rentals in case of baggage loss.

6. Customer Support & Claims Process

   • Choose an insurer that offers 24/7 customer assistance via phone, email, or chat.

   • Ensure the claims process is easy and doesn’t require complicated paperwork.

   • Look for reviews on claim approval speed and customer service responsiveness.

By considering these factors, you can choose the best travel insurance for trekking in Nepal, ensuring a safe and well-protected adventure in the Himalayas.

Final Thoughts: Which Travel Insurance is Best for Nepal Trekking?

Selecting the best travel insurance for trekking in Nepal depends on your trekking altitude, budget, and nationality. Since the Himalayas pose unique challenges, your insurance should cover high altitudes, emergency rescues, and medical expenses. Below is a summary of the best policies based on different needs.

1. Best for Adventure Travelers: World Nomads

   • Covers trekking up to 6,000m with emergency evacuations included.

   • Ideal for USA, Canada, Australia, and New Zealand travelers.

2. Best for Digital Nomads & Long-Term Travelers: SafetyWing

   • Budget-friendly, flexible coverage for extended stays.

   • Worldwide coverage, including medical emergencies in Nepal.

3. Best for High-Altitude Treks: IMG Global

   • Ideal for Everest Base Camp (5,364m) and Annapurna Circuit (5,416m).

   • Comprehensive medical expense and rescue coverage.

4. Best for European Travelers: True Traveller

   • Covers trekking up to 6,000m with quick online applications.

   • Best for UK and European trekkers.

5. Best for Budget Travelers: Travelex Insurance

   • Affordable premiums with essential coverage for trekking.

   • Covers trip delays, baggage loss, and medical emergencies.

6. Best for Emergency Evacuation: Global Rescue

   • Specializes in search and rescue missions for remote trekkers.

   • Covers emergency medical evacuations worldwide.

7. Best for Indian Travelers: Bajaj Allianz, ICICI Lombard, HDFC Ergo

   • Affordable plans cover medical expenses and evacuations.

   • Great for trekkers from India exploring Nepal’s Himalayas.

Final Advice

• Always read policy details carefully to check altitude limits, exclusions, and claim processes.

• Choose an insurer with a reliable reputation and fast claims approval.

• Compare prices and select a plan that balances affordability and coverage.

Having the right travel insurance ensures you enjoy Nepal’s breathtaking treks worry-free, knowing you’re covered for unexpected emergencies, cancellations, or medical issues.