Money & Insurance
The claim is not paid because you bought a policy — it is paid because nothing in the exclusions applies. Here are the standard exclusions that catch…
By Bishnu Adhikari · Aug 30, 2026
An insurance claim is not paid because you bought a policy — it is paid because nothing in the exclusions applies. Every travel policy is written in two halves: a short list of what it covers, and a much longer list of what it does not. The second half is…
Travel Himalaya Nepal · News
Undeclared pre-existing conditions. If you have an existing medical condition or pending treatment and do not declare it, the UK government warns plainly that "failing to declare something may invalidate your travel insurance." That includes mental health…
Travel Himalaya Nepal · News
The exclusions live in the policy wording — the long PDF, not the marketing page. Open it and search for the words "General Exclusions," "What is not covered," and "Conditions." Read those three sections first, before the glossy list of benefits. Then check…
Travel Himalaya Nepal · News
Two exclusions decide most Himalaya claims. The first is altitude . Many policies cover "trekking" only to a stated ceiling — often 3,000 to 4,000 metres. Everest Base Camp sits at 5,364m and Kala Patthar higher still; a standard policy simply does not cover…
Travel Himalaya Nepal · News
Plan your trek
NMA-certified guides · permits sorted · 5,000+ treks since 1998.
$1850 pp
Free guide
Permits, costs, seasons and routes — the essentials we send every traveller, plus a free, no-obligation trip quote.
↑ Swipe up
Read the full report and grab the free Nepal Trek Insider Guide — or ask our Pokhara team for a tailored, no-obligation quote.
Read more & get the free guide Plan my trip — free quote Browse Everest Base Camp Trek — 14 Days