Money & Insurance
A plain-English guide to what a travel policy really pays for — medical, evacuation, cancellation, delay and baggage — and the fine-print exclusions…
By Laxman Rawal · Aug 16, 2026
Almost everyone buys travel insurance the same way — tick a box at checkout, glance at the price, and never open the document. Then something goes wrong: a cancelled flight, a hospital visit abroad, a bag that never arrives. At that moment the fine print, not…
Travel Himalaya Nepal · News
A mainstream policy is really a bundle of separate promises. Understanding them one at a time is the whole game. Trip cancellation and interruption. This reimburses the pre-paid, non-refundable money you lose if you cannot travel — or have to cut a trip short…
Travel Himalaya Nepal · News
Pre-existing medical conditions. The NAIC lists these among the most common exclusions of all. Most insurers apply a "look-back period" — they check your medical history for a set window before purchase, and anything active in that window can be excluded. The…
Travel Himalaya Nepal · News
If your trip involves the Himalaya, one exclusion outranks all the others: the altitude cap. A policy can tick every other box and still be worthless above 4,000m, and in Nepal an evacuation means a helicopter that will not launch without money or a guarantee…
Travel Himalaya Nepal · News
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