If you’re trekking in Nepal in 2026 — whether it’s Everest Base Camp, Annapurna, Langtang or Manaslu — travel insurance with high-altitude trekking cover is mandatory.
Most rescues in Nepal require helicopter evacuation, and without insurance, the cost can reach $6,000–$12,000 AUD upfront.
This guide explains what insurance you need, altitude requirements, policy traps, what is covered, what is NOT covered, and which companies Australians normally use.
Why Insurance is Essential for Trekking in Nepal
Nepal’s trekking trails are safe, but the conditions are extreme:
- High altitude (up to 5,500 m)
- Unpredictable weather
- Remote locations
- Limited medical access
If injury, altitude sickness, or severe weather hits, the only way down is helicopter rescue — and no helicopter will fly without insurance confirmation or upfront payment.
Insurance is not optional. It’s a critical part of your trek.
What Your Nepal Trekking Insurance MUST Cover (2026)
To be accepted for treks like EBC or ABC, your insurance must include all of the following:
1. High-Altitude Requirements for Nepal Trekking Insurance
Most policies only cover up to 3,000 m unless you pay extra.
For Nepal treks, you need:
- Everest Base Camp: Cover up to 5,600 m
- Annapurna Base Camp: Cover up to 4,500 m
- Langtang Valley: Cover up to 4,500 m
- Manaslu Circuit: Cover up to 5,100 m
2. Helicopter Evacuation Included in Nepal Trekking Insurance
Your policy must include:
- Emergency helicopter evacuation
- Medical transport
- Search & rescue
- Hospital admission in Kathmandu
3. Medical Expenses
Most Australian travellers choose cover of:
- $100,000–$500,000 AUD for overseas medical
- Hospitalisation in Kathmandu
4. Trip Cancellation & Interruption
Very important due to:
- Lukla flight delays
- Weather changes
- Sickness
- Natural disruptions
5. Lost or Delayed Baggage
Useful because trekking gear is expensive and often delayed during transit.
What Is Not Covered (Important Traps)
Read this carefully — many trekkers get rejected because of these mistakes:
❌ No cover if you climb above your policy altitude
If your policy covers 4,500 m but you go to 5,500 m (Everest), the rescue will not be covered.
❌ No cover for alcohol-related incidents
❌ Off-route trekking without a guide
Some companies require a licensed guide for high-altitude treks.
❌ Unapproved helicopter evacuations
You normally need approval from the insurer before flying.
❌ High-risk activities not included
Such as climbing, mountaineering, or using ropes.
Nepal Trekking Insurance Cost for Australians (2026)
| Trek Type | Typical Insurance Cost (AUD) |
|---|---|
| Annapurna Base Camp | $120 – $220 |
| Everest Base Camp | $180 – $350 |
| Manaslu / High Passes | $250 – $480 |
Prices vary depending on:
- Age
- Duration
- Altitude level
- Add-ons (gear cover, cancellations, etc.)
Best Time to Buy Nepal Trekking Insurance
Buy before you leave Australia, ideally:
- 1–3 months before your trip
- As soon as you book flights (so cancellation cover applies)
Why Helicopter Evacuation Is So Expensive
Helicopters in Nepal operate from Kathmandu, Lukla, or Pokhara and are costly due to:
- Limited pilots
- Extreme terrain
- High-altitude flying
- Distance to remote villages
Evacuation charges can range between $4,000 to $12,000 AUD, depending on location.
Insurance prevents upfront payment.
How to Know If Your Policy Covers Your Trek
Use this 3-step check:
Step 1 — Check altitude limit
- Must match the highest point of your trek.
Step 2 — Confirm “helicopter evacuation” is written clearly
Step 3 — Confirm “high-altitude trekking” is listed as approved activity
If these three match → your policy is valid.
Documents You Need While Trekking
Your guide or team may ask for:
- Insurance certificate (PDF)
- Emergency contact number of insurer
- Policy number
- Altitude limit clearly written
- Passport copy
Keep physical + digital copies.
Final Advice for 2026
- Always buy high-altitude cover, not standard travel insurance
- Declare your trek route to the insurer
- Do NOT hide medical conditions
- Take a guide — evacuation is faster
- Keep your insurer’s WhatsApp or emergency number handy
Trekking in Nepal is safe — but proper insurance protects you from financial risk.
FAQs — Nepal Trekking Insurance (2026)
Do Australians need special insurance for Everest Base Camp?
Yes. You need trekking insurance that covers up to 5,500 m plus helicopter evacuation.
How much does Nepal trekking insurance cost for Australians?
Between $120 and $350 depending on altitude and duration.
Is helicopter rescue covered in Nepal?
Only if your insurance includes emergency evacuation. Standard travel insurance does NOT automatically cover it.
Do I need insurance for Annapurna Base Camp?
Yes — ABC requires insurance that covers up to at least 4,500 m.
Can I get insurance after arriving in Nepal?
Most insurers won’t allow it. Buy before departing Australia.