The Nepal Adventure Travel Insurance Fundamentals.
Nepal is a leading world destination of adventure tour such as trekking, mountaineering, and expeditions. Most of these legendary tours occur in the remote Himalayan area, which, in most cases, is not close to any stable transportation, developed medical care, and other city amenities. Sudden problems, be they due to sudden altitude sickness or simply dropping on a trail may arise in these rugged environments. Being a responsible planner of the trip, it is essential and mandatory to have a complete travel insurance (not a precaution). The right policy is an important life raft which will make sure that something unpredicted fails to finishing the dream adventure and the financial impact on your situation is devastating.
The Nepal case, Why Insurance is Non-Negotiable.
The essence of travel insurance is to compensate the outrageous emergency medical care fees as well as the emergency evacuation. In the mountains of Nepal, a rescue cannot be a cross the road trip. It generally uses helicopter evacuation which would cost in the range of 5,000 to 15,000 or even more depending on the place of evacuation and the nature of the operation. Also, medical care of such problems as severe Acute Mountain Sickness Alpha (AMS), fracture, or other trauma is expensive in the Kathmandu centres which are private. Fully paid insurance policy will take care of such expenses leaving you with nothing to worry but to get the care and worry about the bill can be left.
In addition to emergency situations related to medicine, insurance offers an insurance bottom, and financial security and psychological assurance which makes your whole experience even better. Having the security, you can enjoy the adventure that you are engaged in, be it the trekking to the Everest Base Camp, rafting on the Trisuli River, or even Paragliding in Pokhara. It also helps to eliminate the economic what if that lingers at the back of the mind of a traveller. What is more a good policy helps save your investment in the trip as well because it protects against trip cancellation, interruption by reasons covered like illness, injury, or family emergency back home, lost, stolen or delayed luggage.
The Right Policy: Main Characteristics to Be Demanded.
Not every travel insurance is equal and so much so with the high-altitude adventure. Comparisons comparing policies should seek coverage expressed clearly. Do not think you are covered check the fine print.
The most important feature is the High-Altitude Trekking Coverage. In your policy there has to be specific provision on trekking and mountain climbing to the highest level of your itinerary. Most Himalayan treks cannot even use many standard policies with a maximum coverage of 2,500 or 3,000 meters. Also be sure to cover your policy to the full term of your trek, 4,000 meters, 5,000 meters or even 6,000 meters. First aid Trekkers prefer World Nomads, SafetyWing and special insurers that cater to mountaineers.
Emergency Evacuation and Repatriation: Be sure that the policy carries a high coverage limit (at least 200,000 is suggested) on emergency medical evacuation, including helicopter rescue. It is also supposed to include medical repatriation which is the amount of money to fly you back home to be treated further.
Activities Adventure P Kosse [S] Make sure that your planned activities are contained. In addition to the usual trekking, in case you are thinking of rafting, bungee jumping or paragliding, make sure you put these other activities known as the hazardous ones. Other insurers will force you to take an adventure sports rider at an extra cost.
