To travel around Nepal, it is mandatory to have travel insurance. In the event of a medical emergency, trip cancellation, or loss of luggage, among other things, having travel insurance is essential when visiting Nepal. The following are some considerations to make when issuing policy for Nepal travel insurance:
- Coverage of medical emergencies: Having travel insurance that includes medical emergencies, evacuation, and repatriation is essential in Nepal due to the country's limited medical infrastructure, especially in rural areas. Make sure you read and understand any limitations on your coverage.
- Coverage of adventure activities: Nepal is a great place to go hiking, trekking, mountaineering, or white-water rafting, all of which your travel insurance should cover. Make sure that your travel insurance insures you if you plan on taking in any of these adventure activities while away from home.
- Coverage for trip cancellation and interruption due to unpredictable weather: Monsoon season in Nepal is notorious for its extreme weather. Travel insurance that protects against cancellation or interruption due to things like weather or unforeseen situation is essential.
- Coverage for lost or stolen items: Passports, cash, and credit cards might be lost or stolen in busy areas; therefore, it is necessary to have travel insurance that covers these occurrences.
- Exclusions from coverage: Read your policy thoroughly to familiarize yourself with any limitations on coverage, including as those for pre-existing conditions, high-risk activities, or sports. It is important to understand what sort of things aren’t covered by your travel insurance.
- Coverage Duration: Verify that your policy protects you for the full length of your trip, including any time spent traveling to and from your destination.
It is recommended that before obtaining travel insurance, you do some research to select the policy that best suits your demands and budget.