Royal Nepal Group

Travel, Trek & Expedition

Travel Insurance

Nepal is one of the most popular trekking spots on the planet. The mighty Himalayas beckon the bold and brave year after year. Kathmandu is the capital and the primary base for backpackers. This bustling metropolis offers everything and anything you would need for a trek in the wild. 


Nevertheless, Nepal does have her own problems. Its unique landscape means that it is not an entirely safe destination. Travel insurance is essential. One major thing to consider is that many travel insurance policies will only cover you up to 4000m in altitude. For many of the more popular treks such as the Everest Base camp Trek or the Annapurna Circuit Trek you will need travel insurance that will cover treks that go over 5000m.


When obtaining insurance be sure to ask that your specific activity and your altitude is covered. Trekking in Nepal is not for everyone. It is a strenuous activity that involves risk.  You should carefully evaluate the implications of your security and safety before deciding to travel to Nepal. 


It’s always good to be on the safe side of the fence 


Its ok to keep your fingers crossed but keeping your eyes closed could be a mistake. It is normal for things to go wrong on a vacation. You could fall ill or it could have an unexpected accident. Somebody might steal your money or luggage, your visit might be cancelled or cut short through injury or illness, and your family may need to fly out to be with you if there is a serious incident. Travel insurance covers all these risks and more. 


Following a concentrated period of unrest and armed conflict, the political and security situation still remains fragile and volatile in Nepal. Visitors to Nepal ought to maintain a high degree of personal security awareness at all times.


It is not surprising that Nepal is one of the most popular destinations for those wishing to take a prolonged trip. Thankfully, long stay holidays are becoming more accessible for individuals who once could not get away. It is now more popular for individuals to take prolonged career breaks and employers are more likely to be flexible and make sufficient arrangements for such plans to be accommodated. Pensioners are also more likely to be taking long stay holidays, as are graduates who would like to chill out before they embark into an intense environment of work and challenges.



The decision to travel is the sole responsibility of the traveler. Also, the traveler is responsible for his or her own personal safety, including which insurance policy they chose. Long stay travel / holiday policies for Nepal are often quoted with a vast number of different add-ons to suit your specific requirements when traveling to Nepal; such as adventure policies, extreme sports, winter sports cover, valuables cover etc. For this reason, it is suggested that you conduct a detailed review of all the possible long stay travel / holiday insurance policy providers prior to your departure from your home country. 


Ensure that you think ahead in detail about what you might be doing whilst in Nepal so that any potential activities have been included in your long stay travel / holiday insurance policy. 


The 4 locations where injuries are most likely to occur in Nepal are noted below: 

  • – Roads 
  • – Hotels 
  • – Remote locations 
  • – Trekking trails 

The following are just some of the benefits of the Travel Bond Policy. 


Personal Money: 

You are covered for the theft of cash and traveler’s cheques from your person as well as safety deposit boxes. 


Personal Belongings: 

The value of personal effects and luggage is covered for items accidentally lost, stolen, or damaged. Apart from that, travel documents such as tickets, visas and passports are also insured against loss or theft. 


Cancellations and Curtailments: 

If you have to cancel your holiday or cut it short due to the sickness or injury of a close member of the family, someone you are traveling with or staying with, travel insurance covers all expenses that you are not able to get back. 


Medical Expenses: 

Insurance firms will pay medical expenses and hospital fees, including any costs of getting you to hospital (land, water, or air ambulance) if you were to get sick or injured. If medical staffs consider that you require medical emergency repatriation the costs of getting you home, with a trained nurse or doctor are included in the policy. 


Baggage Delay: 

Insurance firms will reimburse you the cost of purchasing necessities in the event of your baggage being delayed or lost for more than 24 hours. 


Please note these are just some of the benefits available to you and will be subject to terms and conditions. You should read the policy documents and schedule of cover to determine the suitability of cover you wish to undertake. 


Recommended Insurance Company: 

Travellers to Nepal should check their travel and trekking insurance policy to ensure they are covered for while traveling in Nepal. If requested, we can also ensure your insurance. We also strongly recommend that you insure yourselves before heading to Nepal. There are also options to get insured in Nepal. You can let us know your needs and we’ll guide you to the best possible insurance.