When trekking in Nepal, you may find yourself in inaccessible locations. If you fall ill or get injured, you’ll likely need a helicopter to get you down which isn’t cheap. A helicopter evacuation in Nepal costs a minimum of $7,000.

You may only be covered to a specific altitude limit for trekking and hiking. The altitude restrictions vary between insurers, so be sure to check that you’re covered for the heights you’re planning to reach.

Some insurers automatically cover trekking under their policy as standard. Others may provide cover with a sports & adventure pack add-on. Check your activities are covered before you buy.

Although some insurers cover you up to 6,000m, some of these exclude travel to Nepal altogether. So if you’re headed to Nepal, you’ll need to go through the policy documentation carefully or contact the insurer directly if in doubt.

Each insurer has different terms and conditions when it comes to climbing equipment, using ropes and hiking with guides and whether or not you need to be with a licenced tour guide, so pay close attention to the details.

Loss or damage to your prized possessions can be a gut-wrenching experience whilst on an adventure. Make sure you find a policy that will adequately cover your hiking gear as some insurers don’t cover equipment whilst in use