If you are going to Nepal and are looking for travel insurance then there are a few things you need to consider before you decide on a policy.. A travel-insurance policy to cover theft, loss and medical problems is an excellent idea for travel in Nepal. There are a wide variety of policies available.
Nepal is one of the most popular trekking destinations in the world and it comes to no surprise considering the back drop of the mighty Himalayas. Kathmandu is the capital and the main base for backpackers and offers everything you would need for a trek. Nepal does have issues at the moment and it is not an entirely safe destination. Travel insurance is essential and you should also consider that many travel insurance policies will only cover you up to 4000m in altitude if trekking. For many of the more popular treks such as the Everest Base camp Trek or the Annapurna Circuit Trek you will need travel insurance that will cover treks over 5000m.
Personal Travel Insurance is highly recommended while traveling to Nepal. There are different global sites which provide the Holiday Travel Insurances at a reasonable cost. While buying a Nepal Travel Insurance, you got to be sure about the Insurance policy that covers the mountainous regions, rescue cost, evacuation, and others activities depending on your preferences. Buying comprehensive package is highly suggested as it loaded with various options, and saves money at the same time. If you fall ill or met with an accident during your trip in Nepal, the personal cost could be very expensive for the tourists. In this case the travel insurance can cover all your costs, and also bears responsibility to manage the trip further accordingly. If you decide to opt out from the trip due to illness, the travel insurance is liable to make arrangements of your departure to your country.
Want to know more about long stay holiday travel Insurance in Nepal? Before you leave it’s important to check the travel advice for Nepal. You should carefully evaluate the implications for your security and safety before deciding to travel to Nepal. You can have your fingers crossed but you can’t afford to shut your eyes. It is very normal for things to go wrong on holidays. You could fall ill or have an accident. Somebody might stolen your money or luggage, your visit might be cancelled or cut short through injury or illness, and your family may need to fly out to be with you if there is a serious incident. Taking out travel insurance can cover all these risks and more.
Following an intense period of unrest and armed conflict, the political and security situation remains fragile and volatile. Nepal Visitors should maintain a high level of personal security awareness at all times. It will come as no surprise that Nepal is one of the most popular destinations for those wishing to take a prolonged trip and thankfully, long stay holidays are becoming more accessible for individuals who may otherwise have never planned on taking a long break. It is now more popular for individuals to take prolonged career breaks and employers are more likely to be flexible and make sufficient arrangements for such plans to be accommodated. Pensioners are also more likely to be taking long stay holidays, as are graduates before they embark on the world of work!
A travel-insurance policy to cover theft, loss and medical problems is an excellent idea for travel in Nepal. There is a wide variety of policies available, so check the small print carefully. Some policies exclude ‘dangerous activities’, which may include riding a motorbike and trekking (and definitely bungee jumping and rafting). You may prefer a policy that pays doctors or hospitals directly rather than you having to pay on the spot and claim later. In Nepal, most medical treatment must be paid for at the point of delivery. If your insurance company does not provide upfront payment, be sure to obtain a receipt so you can reclaim later. Some policies ask you to call back (reverse charges) to a center in your home country where an immediate assessment of your problem is made.
SAFETY AND SECURITY
The decision to travel is the sole responsibility of the traveler. The traveler is also responsible for his or her own personal safety. The purpose of this travel report is to provide up-to-date information to enable them to make well-informed decisions to the Nepal Visitors. Long stay travel / holiday policies for Nepal are often quoted with a vast number of different add-on to suit your specific requirements when traveling to Nepal; such as adventure policies, extreme sports, winter sports cover, valuables cover etc. For this reason, it is suggested that you conduct a detailed review of all the possible long stay travel / holiday insurance policy providers prior to traveling. Ensure that you think ahead in detail about what you might potentially be doing whilst in Nepal so that any potential eventualities have been included in your long stay travel / holiday insurance policy.
The 4 locations where injuries are most likely to occur in Nepal are as follows:
The following are just some of the benefits of the travel bond policy:
You are covered for the theft of cash and traveler’s cheque from your person as well as safety deposit boxes.
The value of personal effects and luggage is covered for items accidentally lost, stolen, or damaged. Apart from that, travel documents such as tickets, visas and passports are also insured against loss or theft.
Cancellations and Curtailments
If you have to cancel your holiday or cut it short due to the sickness or injury of a close member of the family, someone you are traveling with or staying with, travel insurance covers all expenses that you are not able to get back.
Insurance firm will pay medical expenses and hospital fees, including any costs of getting you to hospital (land, water, or air ambulance) if you were to fall sick or injure yourself. If medical staffs consider that you require medical emergency repatriation in that case the costs of getting you home, with a trained nurse or doctor are included in the cover.
Insurance firm will reimburse you the cost of purchasing necessities in the event of your baggage being delayed or lost for more than 24 hours.
Please note this is just some of the benefits available to you and will be subject to terms and conditions. You should read the policy documents and schedule of cover to determine the suitability of cover.