Does standard travel insurance cover trekking in Nepal?

Some standard travel insurance policies exclude high-altitude trekking or impose a low altitude limit. Rise & Shield includes trekking up to 3,000m as standard, with optional cover available for eligible trekking up to 4,600m or 6,500m.

Which add-on do I need for my Nepal trek?

It depends on the highest point and activities included in your itinerary. Adventure Plus covers eligible trekking up to 4,600m, while Adventure Extreme covers eligible trekking and mountaineering up to 6,500m. Check every pass, viewpoint and peak on your route before selecting an add-on.

Which popular Nepal treks may be covered?

Eligible guided itineraries may include Annapurna Base Camp, the Annapurna Circuit, the Manaslu Circuit, Langtang Valley, Upper Mustang and Everest Base Camp. Cover depends on the exact route, maximum altitude, guide arrangements and activities involved.

Does Nepal trekking insurance cover the Annapurna Circuit and Thorong La Pass?

It may. Your policy must cover the highest point on your precise Annapurna Circuit itinerary. Routes that exceed the Adventure Plus altitude limit require Adventure Extreme and must meet the policy's route, guide and activity conditions.

Can I use this policy for an Everest Base Camp trek?

Yes, an eligible guided Everest Base Camp trek may be covered when Adventure Extreme is included and the itinerary meets the policy conditions. Rise & Shield also has a dedicated Everest Base Camp insurance page with route-specific information.

Can Rise & Shield cover Island Peak, Mera Peak or Lobuche East?

These named Nepal peaks may be covered under Adventure Extreme, subject to the policy's altitude, guide, route, equipment and technical-grade conditions. Free mountaineering, exploratory routes and climbing outside the stated limits are not covered.

Do I need to trek with a licensed guide?

You must follow the guide and route conditions that apply to your selected activity. Solo, unsupported and off-route expeditions are not covered, so travellers should use a licensed guide and remain on a recognised route.

Are Lukla and other domestic flight delays covered?

Qualifying travel delays or missed departures may be covered under the relevant policy benefits, subject to waiting periods, limits and insured-event conditions. Not every delay, cancellation or additional cost is automatically covered.

Is my trekking equipment covered?

Eligible loss, theft or damage affecting baggage and personal trekking equipment may be covered. Benefit limits, individual-item limits, security requirements and the applicable excess still apply.

Can one policy cover my trek and the rest of my Nepal holiday?

Yes, provided the policy dates cover your complete journey, the selected destination region includes the full itinerary and all planned activities fall within the policy or chosen add-ons. Include travel before and after the trek rather than insuring only the trekking dates.

Nepal Trekking Insurance

Q: Is helicopter evacuation in Nepal covered?

An eligible helicopter evacuation may be covered when it is medically necessary and approved by the 24/7 Emergency Assistance Centre. A separate helicopter evacuation excess applies, and travellers should contact the assistance team before arranging an evacuation whenever possible.

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Why do I need trekking insurance for Nepal?

Many Nepal treks reach altitudes that ordinary travel insurance may not cover.

Specialist Nepal trekking insurance can help protect you against eligible medical emergencies, approved helicopter evacuation and unexpected disruption before or during your trek.

What altitude cover do I need for trekking in Nepal?

Your policy should cover the highest point on your exact itinerary, including any high passes, peaks or viewpoints above your overnight stops.

Rise & Shield’s Adventure Extreme add-on provides eligible trekking cover up to 6,500m, subject to the policy terms, activity conditions and exclusions.

Important: Add Adventure Extreme and check that it appears in your policy summary before buying.

Does Nepal trekking insurance cover altitude sickness?

Eligible emergency medical treatment for altitude illness may be covered when Adventure Extreme is included.

Cover remains subject to the policy terms, exclusions and applicable medical conditions provisions.

Is helicopter evacuation in Nepal covered?

An eligible helicopter evacuation from a remote Nepal trekking region may be covered when it is medically necessary and approved by the 24/7 Emergency Assistance Centre.

A separate helicopter evacuation excess applies. Contact the assistance team before arranging an evacuation whenever possible.

What if flights or other disruption affect my Nepal trek?

Cover may help with selected additional costs following an insured travel delay, missed departure, cancellation or curtailment.

This may be relevant when disruption affects domestic flights or connections used to reach a trekking region. Benefit limits, waiting periods and policy conditions apply.

Can I trek in Nepal without a guide?

Solo and off-route expeditions are not covered. You must follow a recognised trekking route with a licensed guide and comply with the activity conditions shown in your policy.

Can the policy cover Nepal trekking peaks?

Some named peaks, including Island Peak, Mera Peak and Lobuche East, may be covered with Adventure Extreme, subject to the policy’s route, guide, equipment and technical-grade conditions.

Free mountaineering, exploratory or new routes, climbing above 6,500m and routes beyond the policy’s technical limits are not covered.

Nepal Trekking Insurance

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