Travel Insurance

Travel Insurance Guide For Graceful Adventure Travel Experience in Nepal, Bhutan & Tibet

When you travel with Graceful Adventure Travel, we believe that your adventure will be remembered for all the right reasons — the people you meet, the places you see, and the culture you experience. To help make that happen, we also worry about your safety and well-being. Whether you’re exploring the spiritual wealth of Bhutan, viewing the mountain majesty of Nepal, or delving into the mysticism of Tibet, things don’t necessarily go as intended. Medical emergencies, flight cancellations, lost baggage, or even rescue evacuations are the risk involved in these places. That’s why we strongly recommend, and in most cases mandate, that all our clients carry travel insurance prior to joining us on tour.

Why Travel Insurance is Important?

Travel insurance in the Himalayas and surrounding regions provides breathtaking scenery but unique challenges. You might find yourself stranded in remote areas with no hospitals, unpredictable weather, or forced changes of travel at short notice. A travel insurance policy acts as an umbrella, covering everything from a little inconvenience to a life-threatening emergency. It allows you to enjoy your holiday while retaining maximum security against unexpected costs and hassle.

Key Benefits:

• Includes medical care for illness, accident, and altitude sickness
• Protects against trip cancellations, postponements, or interruptions
• Reimburses lost, stolen, or damaged baggage and equipment
• protects against emergency evacuations, including helicopter evacuation
• 24/7 emergency support and hospital coordination
• Must-have for trekking, mountaineering, and expeditions in Nepal

What Should Your Travel Insurance Cover

It’s important to choose a policy that matches the nature of your trip. A basic tour requires different coverage than a trek to Everest Base Camp or a peak climbing. Always read the policy details carefully and make sure your insurance provider understands where you’re going and what activities you’ll be doing.

Basic Coverage Should Include:

• Emergency medical expenses
• Coverage for high-altitude travel (over 3,000 meters)
• Trip cancellation, delay, or curtailment protection
• Baggage and personal item loss or theft
• Personal legal liability and lawyer fees
• Assistance hotline 24/7

For Trekking, Expeditions & Peak Climbing

Nepal’s trails are among the most beautiful in the world, but more preparation and coverage are needed, as well. Altitude sickness and falls, along with changeable mountain weather, make trekking and climbing serious risks. Helicopter evacuation in Nepal is available but expensive — usually thousands of dollars. Without insurance, you pay out of your own pocket.

Must-Have Inclusions:

• Trekking and mountaineering above 3,500 to 6,000 meters coverage
• Emergency air evacuation and rescue service
• Compensation for lost gear or damaged equipment
• Medical insurance for altitude illness and accident
• Accidental death or disability insurance
• Travel delay or cancellation because of weather or politics

For Cultural Tours, Car Rentals & Domestic Flights

Even if you are not flying to the mountains, something can happen. Domestic flights to remote airports can be delayed, road conditions can cause accidents, and personal belongings can get lost. If you are traveling to Lumbini or have a car rental in Kathmandu, insurance ensures valuable help when it’s most necessary.

Recommended Coverage Includes:

• Coverage for domestic flight delays or cancellations
• Car rental accident and damage insurance
• Theft, loss, or damage protection of electronics and personal items
• Medical treatment against food poisoning, infection, or minor injuries
• Legal liability protection in the case of road or rental disputes

For Trips to Bhutan and Tibet

Arrival in Bhutan and Tibet typically involves escorted tours and limited access, so spontaneous changes are difficult and costly. Both are remote and politically charged, so regional-validity travel insurance is a must. Make sure your insurance covers these destinations on your policy, as some do not automatically cover them.

Key Coverage Must Include:

• Emergency evacuation and repatriation services
• Medical coverage in remote or limited-access regions
• Interruption or cancellation of travel due to travel permit
• Loss of passport, visa documents, or travel permits
• Hotel stay for an extended period due to border delay or closure

Last-minute Tips Before You Buy Insurance

• The policy covers all the places you explore
• It covers specific activities like hiking, climbing, or trekking as per your itinerary
• There are no altitude restrictions that could affect your claims
• You understand the process of filing a claim while abroad
• Having the right insurance transforms emergencies into manageable situations. With that peace of mind, you’re free to explore with confidence and joy.

Recommended Travel Insurance Companies

For Traveler’s from USA and CANADA

• Online Global Health Insurance
• Travelex
• Insure My Trip.com (Online Insurance Aggregator)
• Mondial Assistance
• Access America
• HCC Medical Insurance Services
• Good Neighbor Insurance (International Health)
• International Health
• Insuremytrip dot com
• MultiNational Underwriters
• World Nomad
• TIC Travel Insurance Coordinators Ltd
• Travel Assist
• traveling

For Traveler’s from England

• Specialty Group (UK) Limited
• FirstAssist Services Limited
• Harrison Beaumont
• Buy cheap travel insurance

For Travellers from EUROPE and SLOVENIA

• Assistance CORIS

For Travellers from AUSTRALIA and NEW ZEALAND

• Cover-More Travel Insurance
• CGU Insurance Limited
• For Travellers from SOUTH AFRICA
• Travel insurance Consultants Pty. Ltd.

Note: These companies are for recommendation purposes only.