Travel Insurance

Travel insurance protects you from unexpected problems during your trip. It covers medical emergencies, travel delays, lost baggage, cancellations, and many other risks that can occur before or during travel. A single incident — especially a high-altitude medical evacuation in the Himalayas — can cost more than the entire trip. We strongly recommend every traveller booking with us has comprehensive cover in place before departure.

Why Travel Insurance Matters

International travel can come with sudden challenges. Flights get delayed. Bags get misplaced. People fall sick. Weather changes plans. As your booking agent, Everest Travels & Tours isn't able to cover these costs for you — our Terms & Conditions make clear we act as an agent for airlines and suppliers, not an insurer. That's exactly why proper travel insurance matters: without it, you pay for these situations out of your own pocket.

What Good Travel Insurance Should Cover

1. Medical Emergencies

Accidents and illnesses can happen at any time. Look for a policy that helps cover:

• Hospital bills
• Doctor visits
• Medication
• Emergency treatment
• Ambulance services

Medical care overseas — including in Nepal — can be expensive and, in remote trekking regions, difficult to access quickly. Proper cover means you can get treated without financial stress.

2. Trip Cancellation

If you can't travel due to unavoidable reasons such as sudden illness, family emergencies, or official travel restrictions, cancellation cover helps you recover the prepaid cost of:

• Flights
• Hotels
• Tours and treks
• Packages

Note that under our own booking terms, cancellation fees apply and refunds are subject to each supplier's conditions — insurance is what protects the money you'd otherwise lose.

3. Trip Interruption

If you begin your trip but must return home early, interruption cover pays for unused bookings and additional travel expenses caused by:

• Illness
• Emergency situations
• Family issues
• Travel restrictions

It ensures you're not left covering extra costs on top of an already disrupted trip.

4. Lost or Delayed Baggage

Look for cover when your luggage is:

• Lost
• Damaged
• Stolen
• Delayed

A good policy compensates you for essential items or replacement of your belongings while the airline traces your bag.

5. Flight Delays and Missed Connections

If your flight is delayed for several hours or you miss a connection due to airline issues, insurance can cover extra expenses such as:

• Food
• Hotel stay
• New travel arrangements

Our team will help you liaise with the airline when this happens — insurance is what reimburses the out-of-pocket cost.

6. Personal Liability

If you accidentally cause damage to property or injure someone during travel, liability cover helps protect you from legal and financial responsibility.

7. Emergency Evacuation — Essential for Trekking

This is one of the most important sections of any policy if you're heading out on a trek with us. Look for cover that includes:

• Helicopter evacuation from high-altitude trekking routes
• Air ambulance
• Medical evacuation
• Emergency repatriation

For treks like Everest Base Camp, Manaslu, or Mustang, altitude sickness and remote terrain mean helicopter evacuation cover isn't optional — check the policy's altitude limit covers the maximum elevation of your specific trek before you book.

Who Should Have Travel Insurance

Everyone travelling internationally should have cover in place, especially:

• Families
• Senior travellers
• Students
• Solo travellers
• Business travellers
• Group travellers
• Trekkers and adventure travellers

It's essential for anyone visiting a country with high medical costs or heading into remote trekking terrain.

Types of Travel Insurance to Consider

Single Trip Insurance

Covers one trip from departure to return — the most common option for a Nepal holiday or trek.

Annual Multi Trip Insurance

Suited to frequent travellers who take multiple trips within a year.

Family Travel Insurance

Covers families travelling together under one policy.

Student Travel Insurance

For students studying abroad.

Business Travel Insurance

For corporate travellers and company employees — relevant for our group and charter bookings.

Adventure / Trekking Travel Insurance

Covers high-altitude trekking and other higher-risk activities. If you're booking a trek with us, this is the category to check first — confirm the altitude limit matches your route.

How to Get Covered Before You Travel

Step 1: Confirm Your Travel Dates

Know your departure and return dates once your flights or trek itinerary are booked with us.

Step 2: Choose the Right Coverage Type

Match the policy to your trip — standard leisure cover for a cultural tour, adventure/trekking cover with the right altitude limit for a Himalayan trek.

Step 3: Provide Accurate Traveller Information

Enter accurate details such as name, passport number, and date of birth when applying.

Step 4: Review Coverage and Limits

Check medical, baggage, cancellation, and — for trekkers — evacuation coverage against your itinerary.

Step 5: Purchase Directly From Your Insurer

Buy the policy directly through the insurance provider. Our consultants are happy to point you toward reputable options when you book.

Step 6: Keep a Copy of Your Policy

Carry both digital and printed copies while travelling — some trekking permits and TIMS checks in Nepal ask to see proof of cover.

When Travel Insurance Is Required

Certain destinations and activities require proof of insurance for entry or permits.
Common examples include:

• Schengen countries
• Some Middle Eastern destinations
• Some Asian and European countries for student or work visas
• High-altitude trekking permits in Nepal, which may require evidence of evacuation cover

Always check requirements for your specific destination and trek before you travel.

What Travel Insurance Typically Doesn't Cover

Most policies exclude:

• Travelling without proper documents
• Pre-existing medical conditions unless declared and accepted
• Illegal activities
• Activities outside the policy's approved conditions
• Adventure sports or altitudes not specifically covered
• Travel during government bans

Always read the policy wording carefully — particularly the altitude and activity limits if you're trekking with us.

How Everest Travels & Tours Helps

• IATA-trained consultants who understand what cover suits Nepal, Tibet, Bhutan, and India itineraries
• Guidance on altitude and evacuation cover for treks like Everest Base Camp, Manaslu, and Mustang
• Advice at the time of booking so insurance isn't an afterthought
• 24/7 support and a Kathmandu office if you need help understanding a claim while travelling

We don't sell or underwrite insurance policies ourselves — but we'll help you understand what to look for so you choose the right cover from a reputable insurer.

Final Advice

Never travel without insurance. One emergency — particularly a high-altitude medical evacuation — can cost far more than your entire trip. Speak to our IATA-trained consultants on 02 8094 8024 or sales@everesttravel.com.au when you book, and make sure your cover matches your itinerary before you fly.