Trek Guide
Most policies stop at 3,000m on the base tier. Everest Base Camp is about 5,364m. Here is what a Nepal trek policy must actually say.
By Bishnu Adhikari · Jun 5, 2026
Nepal has no law that forces you, as a trekker, to buy travel insurance — but most ordinary policies stop covering you at 3,000m on their base tier and at 4,000—4,600m on the adventure tier above it, and Everest Base Camp is about 5,364m. That mismatch is why…
Travel Himalaya Nepal · News
These are three different things, and conflating them is how people buy the wrong product. As of August 2026 there is no blanket national law obliging a foreign trekker to hold personal travel insurance for a standard teahouse trek. What exists is narrower…
Travel Himalaya Nepal · News
Travel policies cover "hiking" or "trekking" only up to a stated altitude, and the base tier is lower than almost anyone expects. True Traveller covers "trekking up to 3,000 metres" as standard; its Adventure Pack lifts that to 4,600m and its Extreme Pack…
Travel Himalaya Nepal · News
This is the single most useful thing on the page, so here it is as a table. Every figure below is quoted from the provider's own published activity or policy pages, checked in August 2026. Now say the obvious thing out loud. Everest Base Camp is about 5,364m…
Travel Himalaya Nepal · News
"Medical evacuation" in a policy schedule frequently means transport by road ambulance from a place a road reaches. Above Lukla there are no roads. Nepal's mountain rescue runs on helicopters, and if your policy does not name one, an insurer is entitled to…
Travel Himalaya Nepal · News
"$100,000 medical" gets repeated everywhere, ours included, as if it were the target. It is not. US$100,000 is roughly the level at which an evacuation stops being the thing that bankrupts you — and it is a thin number for medical treatment and repatriation…
Travel Himalaya Nepal · News
Here is the practical reality that decides how fast an aircraft reaches you. Helicopter operators in Nepal generally want a guarantee of payment before the rotors turn , because they have been left with unpaid invoices too often to work on trust. Your…
Travel Himalaya Nepal · News
Print this, or paste it into an email to the insurer. If any line comes back vague, that is your answer.
Travel Himalaya Nepal · News
Refusals come from a small, predictable set of causes, nearly all avoidable before you leave home. Trekking above the covered altitude. The big one. It voids the claim outright. An undeclared pre-existing condition. Worse than it sounds: a concealed condition…
Travel Himalaya Nepal · News
Everything below comes from each provider's own policy wording or activity pages, not from comparison sites, checked in August 2026. Where a company does not publish a figure we say so rather than guessing — a made-up ceiling is worse than no ceiling. We have…
Travel Himalaya Nepal · News
1. "World Nomads" is not one product, and it does not publish a number. It is sold as separate policies underwritten differently by country of residence, and its public activity list names trekking without attaching any altitude to it. That means two things…
Travel Himalaya Nepal · News
A straight answer rather than a shrug, and it follows from one rule: prefer the providers that publish a number. UK or European trekker on Everest Base Camp or a big pass : True Traveller 's Extreme Pack with the Nepal endorsement, Snowcard 's Expedition…
Travel Himalaya Nepal · News
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