There is a fine line between adventure and blatant risk. What parts them is the level of preparation that does in a particular activity. Leaving behind the comforts of your home into the embrace of nature is an adventure; not making sure that you are properly insured is a risk. Therefore, Seven Summit Treks (P) Ltd. requests you purchase insurance that is comprehensive enough to cover all possibilities that may ensue during your stay in Nepal.
As mentioned in the Terms and Conditions of Seven Summit Treks, the agency is exempt from being liable for different expenses that may occur in case of different emergencies or unforeseen situations. In addition to that, a foreigner isn’t allowed to purchase insurance in Nepal. Both facts point out the requirement of a client to purchase an elaborate travel insurance plan in their place of origin that protects their interest in case of trip cancellation, helicopter evacuation, medical emergencies, other illnesses, lost luggage, theft, disasters, death, and so on.
Points to remember regarding your Travel Insurance Plan:
- In case of accidents, or sickness, there may be the necessity of evacuation through helicopter. The tourism agencies can make provisions for helicopter evacuation, but refrain to involve themselves in the financial matters that ensue. And even if they do, they will seek compensation for their expenses. If you do not obtain an insurance plan that specifically covers helicopter rescue, the resulting expenses can be back-breaking for you.
- Apart from the rescue, even medical treatments for accidents in high altitudes and cold temperatures are quite expensive. In certain instances, a mobile medical team will have to accompany the helicopter crew to the base camps, which further increases the medical expenses. Hence, you must be properly insured for probable medical conditions.
- While purchasing insurance, it is wise to completely explain what you’re getting into and make sure that your insurance agent understands you. Your itinerary should be disclosed and the risks involved should be openly discussed before picking an insurance plan. This makes the client able to understand what is agreeable to the insurance company. Besides, it also makes claiming the insurance easier, in case the aforementioned circumstances take place.
- Consultation with multiple insurance providers before finally picking an insurance policy can be helpful. Mountaineering is a very challenging task that is never devoid of certain risks. So, it is necessary to specifically mention ‘mountaineering’ or ‘alpinism’ while explaining to the insurance providers your needs.
- Since the deposits made by a client are not refundable because of the company’s obligations, the client must be also insured against trip cancellation.
- The client must provide us with a copy of their insurance policy (or insurance certificate) so that we can take due steps during the time of emergency.
Some of our recommendations to get insurance are as follows:
- World Nomads
- IM Global
For UK Citizens:
- British Mountaineering Council (BMC)
- DogTag UK
- Adventures Insurance
- Campbell Irvine
For USA/Canada Citizens:
- Travel Guard
- IM Global
- Europ Assistance
- IHI Bupa
- AXA Insurance
- TCS (for Switzerland and France)
For Australian/New Zealand citizens:
- Cover-More Travel Insurance
- Ripcord Rescue Travel Insurance
- 1 Cover Travel Insurance
For Malaysia/Singapore citizens:
- AIG Travel Insurance
- AIA Berhad
- Alpha Global Solutions
Note: The above-mentioned insurer is just a recommendation that can provide a policy that covers your emergency evacuation, medical expenses, travel protection, and any other unforeseen circumstances like theft, loss of luggage, deaths, etc. Please inquire with the insurer about these circumstances before purchasing the policy.