Money & Insurance
Report incidents on the day, keep every receipt, claim inside the deadline, and know who pays first — plus how to escalate to the ombudsman if you're…
By Bishnu Adhikari · Aug 31, 2026
A travel insurance claim is not paid because you had a policy — it is paid because you can prove what happened, you reported it at the time, and nothing you did broke the rules. Most people only meet their insurer at the worst possible moment: a hospital…
Travel Himalaya Nepal · News
The single biggest reason honest claims fail is that nobody created a record when the loss occurred. Insurers need contemporaneous proof — evidence made at the time, by someone other than you. Medical. See a doctor and get a written note or discharge summary…
Travel Himalaya Nepal · News
Assume you will have to prove every line of your claim. Keep receipts for anything you buy because of the incident — emergency toiletries and clothes while a bag is delayed, a replacement medication, a new flight home. Photograph damage. Save boarding passes…
Travel Himalaya Nepal · News
Travel insurance usually sits behind the party that actually caused the loss. For baggage, that party is the airline. Under the Montreal Convention a carrier is liable for lost, damaged or delayed baggage up to about 1,519 Special Drawing Rights per passenger…
Travel Himalaya Nepal · News
Beyond missing proof and missed deadlines, two failures dominate. The first is non-disclosure : gov.uk warns plainly that "failing to declare something may invalidate your travel insurance," and undeclared pre-existing conditions are the classic example. The…
Travel Himalaya Nepal · News
Nothing tests these rules like a mountain rescue. A helicopter evacuation from the Everest or Annapurna trails can run past US$5,000, and the claim only pays if three things line up. Your policy must cover trekking to the altitude you actually reached —…
Travel Himalaya Nepal · News
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