What are the best travel insurances for Nepal in 2025?
- The Best Travel Insurance for Nepal
- Is it currently safe to travel to Nepal?
- The travel insurance requirement for the visa to Nepal
- Why take out travel insurance for Nepal?
- The coverage included in travel insurance for Nepal
- The Cost of Travel Insurance for Nepal
- How to pay less for your travel insurance to Nepal
- Can I rely on my current insurance to cover me in Nepal?
- FAQ
Travel insurance for Nepal: key takeaways
1. Definition: Travel insurance for Nepal covers medical emergencies, repatriation, trip cancellation, and lost luggage.
2. Key protection: Insurance is not mandatory for a visa but is essential for trekking and emergencies.
3. Healthcare cost: Private healthcare in Kathmandu is costly; a hospital stay can exceed $200 per night.
4. Price: A one-week travel insurance policy for Nepal typically costs between $30 and $60.
5. Good to know: Ensure your policy covers high-altitude trekking and emergency helicopter evacuation, which is very expensive.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Nepal.
The Best Travel Insurance for Nepal
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.0M | A strong policy for trips to Nepal. - high medical ceiling - repatriation - emergency evacuation for trekking |
| Cap Assistance 24/24 | $1.0M | Good value for travelers. - 24/7 medical helpline - comprehensive coverage - easy claims process |
| Tourist Card | $0.5M | Reliable for general tourism and city stays. - medical and rescue cover - covers trekking requirements |
| Travel Pass Monde | $0.7M | Effective mix of coverage and price. - strong global benefit - wide activity coverage - includes repatriation |
| Globe Partner | $0.3M | For shorter trips with simple needs. - essential medical care - civil liability - easy to arrange |
| Globe Traveller | $0.5M | Entry-level plan for brief adventure. - covers hospitalization - trekking accident support - quick service |
- high medical ceiling
- repatriation
- emergency evacuation for trekking
- 24/7 medical helpline
- comprehensive coverage
- easy claims process
- medical and rescue cover
- covers trekking requirements
- strong global benefit
- wide activity coverage
- includes repatriation
- essential medical care
- civil liability
- easy to arrange
- covers hospitalization
- trekking accident support
- quick service
Is it currently safe to travel to Nepal?
As of June 2025, the US Department of State advises travelers to exercise increased caution in Nepal, particularly in areas outside major cities and tourist hubs.
Here are their four main recommendations.
- Security risks: protests, strikes, and occasional political violence may occur in Kathmandu and Pokhara, with incidents sometimes resulting in temporary road closures or restricted access. In April 2024, local demonstrations in the Terai district disrupted regional transport.
- Health risks: medical services outside Kathmandu are often basic and not up to US standards. For instance, specialized care is limited in Chitwan or Pokhara, and helicopter evacuation from high-altitude trekking regions like the Annapurna Circuit can cost over $10,000.
- Legal requirements: solo trekking is now prohibited in Nepal's national parks, including Sagarmatha and Langtang, without a registered Nepali guide or porter. Travellers caught without guides in restricted areas may face fines.
- Environmental hazards: Nepal faces frequent earthquakes and landslides, especially in mountainous regions such as Dolakha and Gorkha. Severe air pollution affects daily life in Kathmandu during winter.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Nepal.
The travel insurance requirement for the visa to Nepal
No, travel insurance is not mandatory for US travelers to obtain a visa for Nepal.
However, it is strongly recommended because medical care outside Kathmandu is limited and helicopter evacuation from trekking regions can be extremely expensive. Choosing comprehensive medical coverage and repatriation is advised for peace of mind during your trip.
According to our data, 80% of travelers purchase travel insurance before going to Nepal. The high rate is due to the potential costs of medical evacuations and the higher risks linked to trekking and health system limitations.
Why take out travel insurance for Nepal?
It is an essential financial and medical protection for anyone going to Nepal.
Health costs in Nepal can be high, particularly for foreigners who often need to use private clinics such as Norvic International Hospital in Kathmandu. In smaller cities or trekking regions, serious medical care may require expensive helicopter evacuation to facilities in Kathmandu.
Travel insurance covers medical expenses, hospitalization, medications, ambulance transportation, and repatriation to the US in case of a serious issue.
Here are some examples of healthcare costs in Nepal.
| Example of medical treatment | Cost at Norvic International Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | NPR 120,000 (about $900) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | NPR 75,000 (about $565) | up to 100% |
| I need to be repatriated | NPR 2,300,000 (about $17,500) | up to 100% |
| I have appendicitis (consultation and surgery) | NPR 320,000 (about $2,450) | up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
The coverage included in travel insurance for Nepal
Here is a summary table of the main coverages you should look for in a travel insurance policy for Nepal.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers emergency medical care, doctor visits, hospitalization, and medicines in Nepal. We recommend a reimbursement limit of at least $100,000 due to the high cost of private clinics and evacuations. |
| 🚑 Medical evacuation | Pays for rescue helicopter or ambulance to reach quality care in Kathmandu or evacuate during trekking. Select coverage of at least $50,000 to manage remote-site emergencies. |
| 🏨 Hospitalization | Includes daily hospital charges and treatments if admitted. Look for coverage up to $100,000 per stay for major incidents. |
| ✈️ Trip interruption/cancellation | Reimburses non-refundable expenses if your trip is canceled or cut short due to illness or accidents. Recommended coverage: $2,000–$5,000 based on flight and trip costs. |
| 🎒 Baggage and personal effects | Protects against theft, loss, or damage of bags and gear, especially for trekking items. Set limits at $1,500–$3,000 for full protection. |
| 📵 Personal liability | Covers costs if you are legally liable for accidental injury or damage to others. A minimum coverage of $25,000 is advised. |
| 🏡 Repatriation to the US | Pays to return you home for extended medical treatment or in case of death. Choose a policy with at least $50,000 in repatriation coverage. |
We recommend a reimbursement limit of at least $100,000 due to the high cost of private clinics and evacuations.
Select coverage of at least $50,000 to manage remote-site emergencies.
Look for coverage up to $100,000 per stay for major incidents.
Recommended coverage: $2,000–$5,000 based on flight and trip costs.
Set limits at $1,500–$3,000 for full protection.
A minimum coverage of $25,000 is advised.
Choose a policy with at least $50,000 in repatriation coverage.
Insurance from a local provider or bank card usually offers low coverage limits and has many exclusions. It is safer to rely on a reputable insurer with complete protection. Compare leading plans on HelloSafe and subscribe online for instant proof of insurance.
The Cost of Travel Insurance for Nepal
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $35 |
| 2 weeks | 45 years old | $55 |
| 1 month | 35 years old | $85 |
| 1 month | 70 years old | $180 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance is determined by several factors, including the traveler's age, the duration of your trip, your destination, the level of coverage, and any optional add-ons like trip cancellation. It's important to consider these elements to find a policy that fits your needs and budget for your journey.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Nepal
Here are some suggestions to optimize the cost of your travel insurance to Nepal while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | The length of your stay in Nepal directly impacts your total insurance premium. | Opt for coverage that matches your planned stay and avoid multi-trip or annual plans if visiting once. |
| 👤 Traveller’s age | Premiums usually rise with age, especially for trekking destinations like Nepal. | Heymondo does not increase prices for travelers over 62, check their offers if you are in this age group. |
| 💼 Level of coverage | High medical evacuation or gear coverage is important due to Nepal’s trekking risks and remote locations. | Select a policy with only the necessary coverage, removing unattached add-ons to keep costs down. |
| 🏥 Medical limits | Good medical limits are essential in Nepal where evacuation or private treatment can be costly. | Choose higher deductibles for lower premiums, but ensure minimum coverage of at least $50,000 for emergencies. |
| 🏔️ Activities covered | Trekking, climbing, or adventure sports require dedicated cover, which increases the insurance price. | Select adventure coverage only for the specific sports or treks you plan to undertake. |
| 👫 Number of travelers | Group or family policies often come at a discounted rate for Nepal trips. | Book one group policy rather than individual ones if you are traveling as a pair or family. |
| 📅 Purchase timing | Buying early ensures cancellation cover, but sometimes insurance purchased closer to departure can be cheaper. | Compare prices based on coverage start date, but do not delay if you need cancellation coverage for your trip. |
Can I rely on my current insurance to cover me in Nepal?
It is completely legitimate to wonder whether your existing coverage—such as credit card insurance or public or private health insurance—can protect you during a trip to Nepal. Unfortunately, this coverage is often limited or insufficient, especially for medical evacuation required in the region.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Nepal? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage abroad, emergency care outside U.S. not reimbursed. | Travel insurance covers up to $100,000+ for hospitalization, emergency evacuation, and repatriation. |
| Private health insurance (Blue Cross Blue Shield, Aetna, UnitedHealthcare) | Yes, partly | Emergency care may be reimbursed, but medical evacuation rarely covered, max coverage often $10,000–$15,000. | Travel insurance provides up to $100,000 for medical costs and $250,000 for emergency evacuation. |
| Classic credit card (Chase Freedom, Citi Simplicity, Capital One Platinum) | Yes, partly | Limited coverage, medical up to $2,500, excludes trekking or adventure sports, no medical evacuation. | Travel insurance covers high-risk sports, evacuation, and medical repatriation up to $100,000+. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Visa Infinite) | Yes, partly | Medical coverage may reach $50,000, possible trip delay/loss benefits, adventure sports often excluded. | Travel insurance covers adventure activities and guarantees medical evacuation up to $250,000. |
Example
Trekking near Everest, Mark developed high-altitude cerebral edema. The emergency helicopter evacuation to Kathmandu cost $15,000. His Chase Sapphire card's insurance excluded high-altitude activities, and his US health plan didn't cover foreign medical transport, leaving him to pay the entire crippling bill himself—a devastating end to his trip.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption for a relative’s illness, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to get dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Nepal?
Yes, all U.S. travelers need a visa to enter Nepal. Tourist visas can be obtained on arrival at Tribhuvan International Airport in Kathmandu or at designated land border entry points. Validity options include 15, 30, or 90 days. Your passport must have at least six months’ validity remaining when you arrive.
How do I purchase travel insurance for Nepal?
First, compare different policies using the HelloSafe travel insurance comparison tool to find coverage that suits your needs. Next, check each policy’s cover and exclusions, making sure guarantees are suitable for Nepal, including evacuation for trekking accidents. You then buy the policy online and receive your insurance certificate by email.
Are trekking and mountaineering covered by standard travel insurance for Nepal?
Many standard policies exclude trekking, mountaineering, or activities above certain altitudes. If you plan to trek in Nepal, look for a plan that explicitly covers trekking, guides, and high-altitude rescue. Always read the policy terms carefully before purchase.
What is medical evacuation insurance and why is it important for Nepal?
Medical evacuation insurance pays for emergency transport, such as helicopter rescue, to major hospitals if you are seriously ill or injured. This is important in Nepal, where remote trekking areas may lack access to medical care, and evacuations can cost several thousand dollars.
What documents do I need if I have to make a claim on my travel insurance in Nepal?
You typically need your travel insurance certificate, your passport, receipts for any medical care or expenses, and written reports from authorities if your claim involves accident, theft, or loss. Keep copies of everything and notify your insurer as soon as possible after an incident.
Does travel insurance for Nepal cover trip interruptions or cancellations?
Most comprehensive policies offer trip interruption or cancellation coverage, reimbursing unexpected expenses if your trip is canceled or cut short due to illness, family emergencies, or events like natural disasters. Always check individual policy limits and conditions for these benefits.
Do I need a visa to travel to Nepal?
Yes, all U.S. travelers need a visa to enter Nepal. Tourist visas can be obtained on arrival at Tribhuvan International Airport in Kathmandu or at designated land border entry points. Validity options include 15, 30, or 90 days. Your passport must have at least six months’ validity remaining when you arrive.
How do I purchase travel insurance for Nepal?
First, compare different policies using the HelloSafe travel insurance comparison tool to find coverage that suits your needs. Next, check each policy’s cover and exclusions, making sure guarantees are suitable for Nepal, including evacuation for trekking accidents. You then buy the policy online and receive your insurance certificate by email.
Are trekking and mountaineering covered by standard travel insurance for Nepal?
Many standard policies exclude trekking, mountaineering, or activities above certain altitudes. If you plan to trek in Nepal, look for a plan that explicitly covers trekking, guides, and high-altitude rescue. Always read the policy terms carefully before purchase.
What is medical evacuation insurance and why is it important for Nepal?
Medical evacuation insurance pays for emergency transport, such as helicopter rescue, to major hospitals if you are seriously ill or injured. This is important in Nepal, where remote trekking areas may lack access to medical care, and evacuations can cost several thousand dollars.
What documents do I need if I have to make a claim on my travel insurance in Nepal?
You typically need your travel insurance certificate, your passport, receipts for any medical care or expenses, and written reports from authorities if your claim involves accident, theft, or loss. Keep copies of everything and notify your insurer as soon as possible after an incident.
Does travel insurance for Nepal cover trip interruptions or cancellations?
Most comprehensive policies offer trip interruption or cancellation coverage, reimbursing unexpected expenses if your trip is canceled or cut short due to illness, family emergencies, or events like natural disasters. Always check individual policy limits and conditions for these benefits.
