5,364 metres altitude
Everest base camp is located at an altitude of 5,364 metres, so make sure your provider allows treks for that altitude.
Nepal is a country that every curious traveller should experience, from the iconic trekking adventure that is Everest to the thrilling jungles of the Indian plains. However, as you plan your travel activities, you will discover some concerns.
The right travel insurance will protect you from the unique risks associated with travelling to Nepal and climbing to Everest base camp as well as typical losses such as:
So how do you choose the right cover for Nepal? The best way to start is by understanding your travel needs, what you plan to do in Nepal, and then comparing policies online.
Made a search before? Retrieve your search results
Based on a two week trip to Nepal, the average cost of a travel insurance policy ranges from $73.82 to $323.39 depending on age.
Travel insurance can provide financial protection and assistance if your trip to Nepal is disrupted by these risks, but it’s important that you understand how insurers interpret cover if something goes wrong.
There are few experiences more intriguing than a trek to Everest base camp. You are rewarded with breathtaking scenery and a sense of achievement that few other travel experiences can match.
*You must take reasonable care. Looking for trekking cover around the world or in other destinations? Read the full travel insurance guide to trekking.
The tragic loss of life and widespread damage caused by two major earthquakes in Nepal earlier in 2015 received extensive media coverage. More than 8,000 people died and many more were injured.
Many Australian travellers had to cancel travel plans to Nepal and make alternative arrangements. Some were already in Nepal at the time of the earthquake. Others had booked and paid for a holiday to Nepal but had not yet departed Australia.
||If you were already in Nepal, you had cover for extra travel, accommodation and meal costs resulting from an earthquake.|
||If you purchased a travel insurance policy before an earthquake hits but you’ve not yet departed Australia, cover for the cost of cancelling or rearranging your journey can be provided.|
||If you decided to book a holiday and take out travel insurance after an earthquake hits, in most cases no cover would be available for any losses you suffer. Insurers will usually exclude cover if there are government and media warnings about a destination.|
Alex's case. Alex booked a Nepalese trekking holiday for August 2015. As he paid for the holiday and took out travel insurance cover on April 20, a few days before the earthquake struck, Alex received cover for the full cost of cancelling his holiday because the area where he was planning on trekking was deemed unsafe to visit. Brian's case. On the other hand, Alex’s friend Brian didn’t take out travel insurance until early May, after the earthquake had occurred. At the time Brian took out his policy, the Department of Foreign Affairs and Trade was advising tourists not to travel to Nepal, which meant Brian could not receive any cover for the cancellation fees and lost deposits he incurred when cancelling his trip.
Apples and Oranges
Alex's case. Alex booked a Nepalese trekking holiday for August 2015. As he paid for the holiday and took out travel insurance cover on April 20, a few days before the earthquake struck, Alex received cover for the full cost of cancelling his holiday because the area where he was planning on trekking was deemed unsafe to visit.
Brian's case. On the other hand, Alex’s friend Brian didn’t take out travel insurance until early May, after the earthquake had occurred. At the time Brian took out his policy, the Department of Foreign Affairs and Trade was advising tourists not to travel to Nepal, which meant Brian could not receive any cover for the cancellation fees and lost deposits he incurred when cancelling his trip.
Nepal’s beautiful, mountainous terrain attracts trekkers from all over the globe, but there are plenty of other great adventure activities on offer that travellers may wish to participate in.
Some of the more extreme activities such as rock climbing will require you to add a special ‘sports pack’ to your policy, so check with your insurer to find out how you can get the cover you need.
In addition to altitude sickness and injuries sustained while trekking, visitors to Nepal are at risk of malaria, degue fever, Japanese encephalitis, typhoid, cholera and hepatitis.
Medical facilities in Nepal are limited, especially outside of Kathmandu in rural areas where there is a lack of trained staff. High medical costs under Nepal's private healthcare system makes travel insurance a necessity.
If you experience a medical emergency in Nepal, you can contact your insurer’s emergency assistance line for information on what to do and where you can go for help. Your insurer's emergency assistance team will also be able to confirm whether you are covered for your treatment costs upfront.
If it’s not an emergency and your treatment costs are unlikely to be excessive, it may be up to you to pay the bill and then claim for reimbursement later, depending on the insurer.
The best point of contact in Nepal depends on the nature of your emergency.
Australian visitors to Nepal will need to obtain a visa, which is available upon arrival.
Your passport must be valid for at least six months from the time you leave Nepal. If that passport is lost or stolen in Nepal, you’ll need to transfer your visa to your new passport before you can leave Nepal.
Peak travel season in Nepal occurs from October to November when the weather is warm and trekkers crowd the Everest and Annapurna regions. Spring (March to April) can produce spectacular flower displays and weather that is still quite acceptable for trekking, but you’ll want to stay away during monsoon season from June to September.
The Nepalese rupee is the accepted currency in Nepal, so it’s a good idea to stock up in bank notes before you go. Avoid airport exchange bureaus, as the rate will be more expensive.
Picture: Esmar Abdul Hamid, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)
Picture: Kyle Taylor, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of major banks, insurers and product issuers.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product. You should consider whether the products featured on our site are appropriate for your needs and seek independent advice if you have any questions.
Products marked as 'Promoted' or "Advertisement" are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options and find the best option for you.
The identification of a group of products, as 'Top' or 'Best' is a reflection of user preferences based on current website data. On a regular basis, analytics drive the creation of a list of popular products. Where these products are grouped, they appear in no particular order.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment.
We try to take an open and transparent approach and provide a broad based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.