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Trekking in Nepal Travel Insurance

JS Travel Insurance provides cover for Trekking in Nepal.

Our policies can cover Trekking to Everest Base Camp as well, which is at 5,368 metres altitude.


Please select the Hazardous Activities Category C on the quote page.

Alternatively, please contact us on 0800 047 5065 (FREE) or 01273 773 017 or email info@jsinsurance.co.uk

Summary of Cover

Section & Cover Silver Gold Platinum  
Cancellation or Curtailment - £2,000 £5,000  
Medical and Repatriation £10,000,000 £10,000,000 £10,000,000  
Personal Property - £2,000 £3,000  
Personal Money - £400 £400  
Delayed Departure - £100 £100  
Missed Departure - £500 £500  
Legal Expenses - £25,000 £25,000  
Failure of Carrier £1,500 £1,500 £1,500
Standard Excess £100 £75 £0
Medical Excess £500 £150 £0

Additional Options

We have add on extras so you can build the quote which most suits your needs. Here are some of the top options available:

Natural Catastrophe Cover - £9.00 per person - available on Silver, Gold, Platinum.
This provides additional cover up to £1,500 for cancellation and additional accomodation / transport expenses as a result of a catastrophic natural event which is unknown and unforeseen at the time you purchase the insurance or book your holiday, whichever is the latter.

Missed Travel Connection Cover - £4.99 per person - available on  Silver, Gold, Platinum.
This extends your policy to provide up to £500 for additional transport and/or accomodation costs to enable you to get you to your pre-booked final destination, if you miss your pre-booked connecting Aircraft, Watercraft or Train as a result of the cancellation, or delay of 3 or more hours, on your initial international outward or return journey, due to adverse weather, mechanical breakdown or technical fault.

Gadget Cover - £10.99 per person - available on Gold, Platinum.
Here we will pay up to £1000  for the intrinsic value or cost of repair of your gadgets (single item limit of £500), which are lost, stolen, damaged or destroyed. Unauthorised calls up to £75. Gadgets include: Mobile phones, ipads and tablet computers, e-readers, MP3 players, plus more.

Types of Policies

Single Trip

Most of our Customers take a Single Trip Policy to cover them from the day they leave their home to the day they return to the UK - the average duration for Trekking in Nepal is 19 days.

Annual Multii Trip

With our Annual Multi Trip Policies, we will cover you for as many trips throughout the year which can include Trekking up to 6,000 metres. We have Policies which can cover trip durations up to 31 days or 45 days.

Pre Existing Medical Conditions

Should you have any Pre-Existing Medical Conditions, we can still provide cover - please contact us for a quote on the telephone number provided. 


Please select Category C to cover Trekking between 3,000m and 6,000m.

Example Quotes (Single Trip)

The table below provides some example Premiums to cover Trekking up to an altitude of 6,000 meters in Nepal, including Everest Base Camp, for 15 days.

Age Bracket Silver Gold Platinum  
18-55 years £64.09 £83.16 £117.81  
56-60 years £63.80 £83.89 £113.42  
61-65 years £65.53 £87.22 £116.89  
66-70 years £78.19 £106.15 £142.83  
71-75 years £90.86 £125.10 £168.79  

Mountain Rescue & Air Ambulance

JS Travel Insurance policies cover Mountain Rescue and Air Ambulance in Nepal if medically necessary - this is covered by the Emergency Medical Expenses claim limits.

Over recent years there has been a large increase in the number of Rescue Operators and claims for altitude sickness. There have been suggestions tha local guides are receiving payments from the helicopter operators. For this reason, there has been more rigor applied to the process relating to helicopter rescue claims.

If you are Trekking with a reputable company, they should be happy for you to provide them with details of the Emergency Assistance Service prior to departure so they can call the Service on your behalf, if you're unable to.

Trekking without a Guide

JS Travel Insurance can provide cover for Trekking without a Guide up to 6,000 metres - to get a quote, please call us on 0800 047 5065.

You will be required to follow the safety guidelines, including use of appropriate safety equipment. Please note, when Trekking without a guide, a General Exclusion of cover exists where claims arising directly or indirectly from your "wilful act of self exposure to peril (except where it is to save human life)" will not be covered.

Trekking Travel Insurance FAQs

How high can I trek with this Travel Insurance policy in Nepal?

Up to 6,000 metres

  • Everest Base Camp (5,368 metres)
  • Yala Peak (5520 metres ) 
  • Pokhalde Peak (5,806 metres ) 
  • Annapurna Circuit (5,416 metres)
  • Manaslu Circuit (5,115 metres)
  • Ghorepani Poon Hill (3,210 metres)
  • Langtang Valley Trek (4,984 meters)
  • Upper Mustang (3,810 metres)
  • Kanchanjunga Base Camp (5,160 metres)
  • Gokyo Ri (5,357 metres)
  • Upper Dolpo (5,250 metres)

What happens if I need Mountain Rescue and Air Ambulance?

This will fall under the Emergency Medical Expenses benefits. If need be you can be rescued by Air Ambulance due to serious injury, altitude sickness or illness, the claim will need to be authorised by the 24hr Emergency Assistance Service listed in your Policy Documents.

In the event that you are unable to contact them, provide so that you can give one to the company that is organising the Trek.

Do I have to cover all of my travel dates (departure and return dates) or can I cover only the dates that I will be Trekking?

Most policies require you to select the date you leave your home until the date you return to your home. We can provide cover just for the dates that you will be Trekking - please let us know when you call us for a quote.

Do you cover Trekking Equipment?

Yes, this is covered under Personal Belongings. It is only covered whilst it is in transit and whilst being stored, but not whilst it is being used.

What happens if I miss an internal flight?

We can cover you if you miss a connecting flight due to the delay of an Internal Flight. This is one of the options on the quote page.

What happens if I book my Travel Insurance and then there is a Natural Disaster in Nepal and I cannot travel ?

The policy will cover Cancellation if you are unable to travel due to a Volcanic Eruption or another Natural Disaster, if it prevents you from flying to Nepal. This benefit can be added to your policy for an Additional Premium. A Cancellation claim will only be honored as long as there was no previous notice of a Natural Catastrophe before you purchase a policy.

What happens if I book my Travel Insurance and the Foreign and Commonwealth Office (FCO) advise not to travel to Nepal ?

You should always check with the FCO, before booking any trip and confirm that travel to the area you plan to travel to is not restricted. If there is a restriction, then we cannot provide a Travel Insurance policy. If you take out a policy before the FCO advises its not safe to travel then you are covered for cancellation if this changes before you travel.

Can I book Travel Insurance for just a few days Trekking ?

Yes, we can provide cover for one off days, please call or email us with the details and we will be happy to send you a quote.

Please call us on 0800 047 5065 (FREEPHONE) or 01273 773 107 or via email: info@jsinsurance.co.uk

How can I avoid Altitude Sickness ?

It is recommended that on the first day you're at a high altitude, you should avoid walking or over exerting yourself. It is also recommend that you drink up to 3 litres of water per day.

Can I drink the local water ?

We would advise that you do not drink the local water. This may cause you to become ill and be unable to complete the Trek. You should take water purifiers with you.

Prepare before you go

Register your Travel Insurance Policy

Make sure when you get to your destination, you register your Travel Insurance policy with the Trekking Company that you have booked with. Copy your Travel Insurance Certificate and give it to them and point out the 24 hour Emergency Assistance Number.

In the case of your needing Mountain Rescue by Helicopter, the Mountain Rescue Services in Nepal will need your Travel Insurance details. Travel Insurance companies have their own preferred Operators, so ensure that you call or you have someone call on your behalf the 24 hours Emergency Assistance Company.

Get fit

Trekking up to 6,000 metres is not for the faint hearted, it's strenuous and the lack of oxygen after 2,500 metres makes Trekking difficult. You should always keep to your fitness levels, particularly if you are not comfortable at this altitude.

You can buy products from this website www.altitudecentre.com that will help you acclimatize before you even leave your home. This will not completely simulate Trekking in Nepal at altitude but it can help.

Trekking Gear

You should not take too much Personal Baggage. The biggest mistake here is taking too much, not using half of it and being burdened with the weight of it.

  • Backpack
  • Lightweight Hiking Boots (wear them in before you go as you don't want heavy blisters)
  • Thick Wool Socks
  • Trekking Pants (water proof), Thermal Tops (long sleeve) and Therma Bottoms, Windproof Jacket, Lightweight Rain Jacket and T shirts
  • Woolen or Peaked Hat, Sunglasses, Water Purification Tablets, Sunscreen, Chapstick, Quick Dry Towel, Bungy Cord, Karabiners, Head Torch, Washing Powder, Water Bottles, First Aid Kit

Choose a Reputable Trekking Company

If you are not organizing through a United Kingdom Operator then make sure you are Trekking with an authorised Trekking Agency with proper licenses and registration from the Authorities. An agency has to have registration with Nepal Government Nepal Tourism Board (NTB) and Trekking Agencies Association of Nepal (TAAN) to operate.

If the Trekking Agency does climbing, then they also need to be registered with the Nepal Mountaineering Association (NMA).

Check the registered ones on TAAN via TAANs website.


See your Doctor four weeks before you go and check you are up to date with the normal Vaccines.

Important Vaccinations ones for Nepal are:

  • Japanese Encephalitis (especially if you are going between August and October)
  • Rabies
  • Typhoid
  • Hepatitis A and B

Major Risks when Trekking

  • Sudden change in weather
  • Avalanches and Snow drifts
  • Landslides and flooding
  • Glacial crevasses and hollows
  • Thunderstorms and lightning
  • Leeches

Medical Risks

  • Altitude Sickness
  • Sun Exposure
  • Injury
  • Diseases

Visa Requirements

You can get a Visa on arrival in Nepal at Tribhuvan International Airport. The duration of a Visa are 15, 30 or 90 days are available for $25, $40 or $100.

A valid permit and TIMS Card (Trekkers Information Management System) are needed to enter the Trekking Regions.

Volunteering in Nepal

Be careful and make sure you are going to be working with a reputable Organisation.

The Social Welfare Council in Nepal has a list of registered Volunteer organisations, you can get a copy by sending an email to info@swc.org.np

Useful Websites and Information

www.treknepal.com - Good site written by locals, lots of information about permits, Trekking routes and local Nepalese customs.

www.thelongestwayhome.com - good travel guide for lots of destinations. Site has been operating since 2005. 

www.experiencethehimalayas.com - cool site, also covers Morocco and lots of information about Trekking all the way up to the Everest Base Camp.

www.upeverest.com  - Really well designed clear website full of interesting information about Everest and surrounding treks.

www.nepalhikingteam.com -  This is a local reputable Trekking agency that has been established since 2008. Covers all the main treks for Nepal.

www.themountaincompany.co.uk - Superb site full of infomation and booking facilities 

www.oufitternepal.com - This is again a good local Trekking company run by Nepalese with all the credentails required.

www.welcomenepal.com - This is te the official Tourism site for Nepal, full of infomation about visas, permits and everything you can do in Nepal. A must read for all visiting Nepal.

This Travel Insurance is provided by goodtogoinsurance.com. Goodtogoinsurance.com is a trading name of Ancile Insurance Group Limited, Registered Address: Kao Hockham Building, Edinburgh Way, Harlow, Essex, CM20 2NQ. Authorised and regulated by the Financial Conduct Authority - No. 471641.

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