How Much Travel Insurance Cover Do You Actually Need in 2026? Sizing Every Limit

The travel insurance question that trips people up is not "am I covered?" but "for how much?" Nearly every policy pays out for medical bills, cancellation and lost bags — the difference between a good policy and a dangerous one is the size of the limit next…

Travel Himalaya Nepal · News

Medical and repatriation: the one that can bankrupt you

This is the limit to obsess over, because it is the only one where a shortfall is measured in six figures rather than the price of a flight. GOV.UK's foreign travel insurance guidance makes the point with hard numbers: a broken leg needing hospital treatment…

Travel Himalaya Nepal · News

Right-sizing the other three limits

Cancellation, baggage and personal money are where people either over-pay for cover they will never claim or under-insure the one thing they would. The rule for each is different, and none of them is "pick the biggest number". Cancellation is the section most…

Travel Himalaya Nepal · News

The exclusions that cancel the limit

A limit is only real if no clause switches it off. GOV.UK's checklist of things to verify includes alcohol and drugs, high-risk destinations, mental-health conditions, age restrictions, specific sports, quad bikes and mopeds, driving overseas, and natural…

Travel Himalaya Nepal · News

The Nepal case: where the altitude number outranks the medical number

For a Himalayan trek, sizing cover is not just about how many millions of medical cover you carry — it is about two specific clauses. Your policy must fund an emergency helicopter evacuation , and it must cover you at or above your trek's maximum altitude…

Travel Himalaya Nepal · News

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