Travel Insurance

Namaste Nepal and trekking company provides mainly three classes of Adventure Travel Holidays in the Himalayas, Nepal, Tibet, and Bhutan. Those trips are Culture & Leisure Tours, Trekking & Walking Holidays, and Climbing & Expedition in the ice and snowy mountains.

Travel insurance is a coverage policy that protects you or your family from surprising medical costs, ride cancellation, lost luggage, and different losses whilst journeying, both the world over or in your own homeland. The guidelines often offer enormous coverage for journey-associated dangers inclusive of scientific prices incurred whilst in foreign places, journey cancellation, misplaced luggage and private results, tour delays, flight accidents, and different losses incurred while traveling. Now, you will be thinking, “I’m young and wholesome – why within the international might I need travel insurance?”

However, think about it. You’ve simply scrimped and stored up sufficient money for as soon as-in-a-lifetime holiday. You’ve booked flights, and accommodation, organized excursions and sports, packed your baggage, and you are off and away… until an herbal catastrophe strikes your vacation spot, You get serious High Altitude Sickness, your money and passport are stolen, or a surprising clinical circumstance arises. That’s why all trekkers traveling to Nepal want to buy travel insurance, as well as trekking insurance. In Nepal, many trekkers have insurance that they’ve bought from their homelands. While shopping journey coverage in Nepal is not encouraged because of the unreliability of insurers, hiking coverage may be purchased in Nepal.

Importance of Travel Insurance

When our grandparents traveled, nobody knew that tour coverage even existed, but nowadays, this little bit of coverage can doubtlessly prevent lots of money and trouble in case you happen to get into a problem while you’re on vacation. In this manual, you’ll no longer simplest learn the blessings of purchasing a good tour coverage policy for your upcoming experience, however, you may also gain a better understanding of why it’s so essential to have tour coverage.

You’ve spent months dreaming about this notable trek through the Himalayas, and now the dream is ready to come to be a fact. However, one remaining little challenge stands in your way before you can put on those heavy boots. It’s time to select journey insurance coverage to shield you whilst hiking at high altitudes. At first thought, tour insurance might not sound too interesting, however, accept it as true with us. After many years of hiking revel in, we recognize how crucial journey and rescue coverage can be. First and foremost, you need to understand that many travel insurance policies won’t cover hiking or trekking at the altitude you’ll reach within one hour of emergency evacuation by helicopter or a maximum altitude of over 6,000 meters vs. 4,600 – 5,400 meters. This high-altitude limit is a serious concern because trekkers can easily reach high elevations quite quickly on treks in Nepal. If you purchase insurance and later need to make a claim, your provider will ask for proof of maximum altitude.

Selecting the Right Policy

The right plan depends widely on the risk factors, tour/altitude/age, and specific medical issues. It’s very important to match your travel plan with the available policies. On average, the higher-risk and older travelers might need the most comprehensive plans that provide the best insurance coverage for elderly travelers aged over 65. Trekkers to the Himalayas or other high-altitude regions should be closely aware of insurance policies that cover local assistance and emergency expenses, including helicopter rescues or evacuations from the mountain, be they in Nepal, or Tibet. All climbers attempting Aconcagua, Cerro Mercedario, and Ojos del Salado in Argentina, and also for climbing Kilimanjaro, must have rescue coverage.

Coverage Details

1. Emergency hospital and necessary treatment charges, consultations and diagnostic charges, and medicines.
2. The reasonable and necessary costs of travel to a more suitable place of treatment if this is ordered by the attending physician.
3. Repatriation as a result of death, in the ‘Mission Remainder of the trekking party’ and other areas shown in policy conditions.
4. Search and rescue up to ‘Actual cost of service charges’ shown.
5. Compulsory cancellation for the Sum Insured.
6. Personal Accident – whilst traveling on regular public transport.
7. Normal personal luggage/personal effects.
8. Holiday Money.
9. Missed Departure.
10. Accidental loss of or damage to baggage and personal effects.

Coverage includes subject to policy conditions, Himalayan trekking and climbing, whilst in a foreign country.

Coverage Does not Include:

• It is for trekkers on expeditions organized by commercial expedition companies, expeditions to mountains over 6,000 meters, expeditions to forbidden areas, and expeditions funded by sponsorship when the sponsoring company insists that their insurer is used.
• Personal accidents to student rate explorers or rescue or repatriation to enable a trek to be restarted, these trekkers must return to their point of departure. Rescue and Repatriation insurance can be purchased for the period of the trek.
• Expeditions where appointment of contractors ‘etc.’ clause C.3 it is a condition precedent to your right to claim under this policy that you appoint a company to provide rescue and/or repatriate the person(s), which that company will not be asked to shoulder the financial burden of evacuation.

Emergency Rescue Services

Travel insurance provides cover for the emergency evacuation to the nearest hospital or appropriate medical facility. The insurer can make an initial payment directly to the hospital or the rescue agency for immediate treatment of the client. This is the most important benefit of the travel insurance policy, especially for trekkers. Most trekkers in Nepal and elsewhere will need this type of benefit if they get injured, the illness, or the altitude sickness on the trekking trails of the highlands or the remote part of the standard trekking route. Helicopter rescue can be very expensive and usually, ill travelers cannot consider the financial burden in that painful situation. Due to this lack of funding, the rescue service is usually delayed at that time.

The trekking agencies, insurance companies, and the non-government organizations for rescuing the travelers are not working round the clock and the rescuer professionals speak English or can communicate in another foreign language. Due to these circumstances, even the urgent rescue is delayed. Because of this, the level of premium for travel insurance for trekking is higher as compared to other types of insurance. In many cases, the authorities that become involved recognize the need to rescue the patient as rapidly as possible. The helicopter companies report that most of the mountain helicopter rescue flights are performed at their minimum possible turn-around times. The time details are given in the rescue services properties. Therefore, monitoring the scheduled time of each client is important because a delay in departing time may incur an extra charge and in case of unsuitable weather, the flight schedule may be postponed.

Conclusion

In the end, it is better to be secure in whatever manner and the belated cost is always equal or more costly as insurance, though not generally needed, is a must for peace of mind. Hope this comprehensive guide to travel insurance is understandable and every person undertaking travel, mountaineering, and trekking enjoys a safe secure adventure trek.