Planning to trek in Nepal?
Whether you are travelling to Everest Base Camp, Annapurna Circuit, Manaslu, Langtang, the Everest Three Passes, or a trekking peak, suitable travel insurance is an important part of your preparation.
At Hill Sherpa Trekking, we suggest you get suitable travel insurance before going to Nepal. Your policy should outline trekking, the highest altitude, altitude sickness, treatment in case of emergency, helicopter evacuation and repatriation.
Can I Purchase Travel Insurance in Nepal After Arrival?
Yes, some insurance products may be available after you arrive in Nepal. However, international travellers should generally purchase insurance before leaving their home country.
Insurance purchased before departure may provide wider protection, including
- Trip cancellation
- Trip interruption
- International and domestic flight disruption
- Lost or delayed baggage
- Medical treatment
- Emergency evacuation
- Repatriation
High-altitude trekking
If you are already in Nepal, contact the insurance provider directly and ask for written confirmation that the policy covers your exact route, trekking dates, maximum altitude, altitude-related illness, and emergency helicopter evacuation.
How Much Does Trekking Insurance Cost?
There are no fixed rates for all travellers. The price varies according to age, nationality, duration of travel, peak altitude, medical history, type of activities, coverage amount and deductibles.
As a general 2026 estimate
| Type of insurance | Typical duration | Estimated cost |
|---|---|---|
| Standard travel insurance | 7-14 days | USD 40-100 |
| High altitude trekking insurance | About 14 days | USD 80-150 |
| Everest Base Camp or Annapurna Circuit | 2-3 weeks | USD 90-250 |
| Comprehensive insurance with cancellation and baggage cover | 2-3 weeks | USD 150-300 |
| Trekking-peak or mountaineering insurance | 3-4 weeks | USD 200-400 or more |
These are estimated prices only. The exact cost is provided by the insurance company after reviewing your personal details and itinerary.
For most high-altitude treks, travellers should budget approximately USD 100 to 250 per person. Peak climbing, technical climbing, and expeditions above 6,000 metres usually cost more.
What Should Insurance Cover?
- Hiking at the highest point you can take the hike
- Emergency medical treatment
- Hospitalization
- Altitude-related illness
- Medically necessary helicopter evacuation
- Ground transportation to a hospital
- Emergency medicines and oxygen, where medically necessary
- Repatriation to your home country
- Trip cancellation and interruption
- Lost, stolen, or delayed baggage
- Trekking equipment, subject to policy limits
- 24-hour emergency assistance
Do not assume that a policy covers helicopter rescue simply because it includes “ADVENTURE TRAVEL.” Read the policy wording carefully and look for specific terms such as emergency helicopter evacuation, mountain evacuation, or air ambulance.
At Hill Sherpa Trekking, we recommend that every traveller arrange suitable insurance before beginning a Himalayan trek.
Before departure, ask your insurer to confirm in writing that your policy covers
- Nepal
- Your exact trekking route
- The full duration of your trip
- Your highest planned altitude
- High-altitude trekking
- Altitude sickness and related medical treatment
- Emergency helicopter evacuation.
- Hospital treatment
- Repatriation
- Any additional activities, including peak climbing
For example, a traveller going to Annapurna Circuit should tell the insurer company
I will trek the Annapurna Circuit and cross Thorong La at approximately 5,416 metres. I need coverage for high-altitude trekking, altitude-related illness, emergency medical treatment, and medically necessary helicopter evacuation.
Important Altitudes
| Trek | Approximate highest point |
|---|---|
| Ghorepani Poon Hill | 3,210 m |
| Langtang Valley | Approximately 3,800 to 4,500 m, depending on side trips |
| Everest Base Camp | 5,364 m |
| Manaslu Circuit | Larke La, approximately 5,106 m |
| Annapurna Circuit | Thorong La, approximately 5,416 m |
| Everest Three Passes | Approximately 5,500 m or higher |
| Trekking peaks | Varies by mountain |
These elevations are approximate. Your insurance should cover the highest point you will actually reach, including optional side trips and high passes.
Final Checklist
Before starting your trek, confirm that
-
Your policy covers Nepal
-
Trekking is included
-
Your maximum altitude is covered
-
Altitude-related illness is included
-
Helicopter evacuation is explicitly covered
-
Emergency medical treatment is included
-
Repatriation is included
-
You understand the exclusions
-
You know how to contact the insurer 24 hours a day
-
You have printed and offline copies of your policy
Plan Your Trek with Hill Sherpa Trekking
From Everest Base Camp and Annapurna Circuit to Manaslu, Langtang, Everest Three Passes, and high-altitude peak adventures, Hill Sherpa Trekking helps travellers organise safe and well-planned Himalayan journeys.
Our company teams can assist with trekking routes, permits, itineraries, guides, porters, accommodation, transportation, altitude planning, and emergency preparation.
Get travel insurance before you go to Nepal, and read through the policy closely and make sure it is for the kind of trek you are planning. With proper preparation, you can have a safer & more comfortable adventure in the Himalayas. Last Updated – August 10, 2026
For more details
WhatsApp: +977-9704823980
Email: [email protected]
Website: Hill Sherpa Trekking Pvt. Ltd.
Location: Durga Mardir, Kathmandu, Nepal.
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