Insurance for Everest Base Camp Trek: How to choose a right travel insurance?

Insurance for Everest Base Camp Trek:

Everest Base Camp Trek is the most popular trek in the world. Every keen trekker, nomad, and adventure lover from all around the world want to experience the wonderful EBC Trek once in their lifetime. But, trekking to the base camp of the world’s highest peak is not as easy and simple as one normally thinks. The Everest Trek is a non-technical trek; however, it is challenging, adventurous, and high altitude trek. So, before trekking to the Himalayas, make sure you will include Everest Base Camp Trek Insurance in your priority list too. There are many enthusiastic trekkers who are unaware of the importance of insurance for Everest Base Camp Trek. They frequently ask about what is travel insurance, what does it cover, why is it necessary, and something more. Therefore, we have dedicated this article to clarify about travel insurance and everything related to it.

Everest Base Camp Trek Insurance: What is travel insurance?

Travel insurance is an insurance policy that covers the losses while traveling to different parts of the world. It basically covers the flight cancellation, baggage loss or damage, theft, medical evacuation, and other expenses during the trek. Simply, travel insurance is a means of protection from uncertain loss and health hazards while you are traveling to an unknown country. The insurance premium depends on the destination, duration, possibility of risk, age of the travelers, and many more. There are many policies of insurance; but while trekking in the Himalayas, you need insurance that covers every loss that comes during EBC Trek.

Why do you need Insurance for Everest Base Camp Trek ?

Travel insurance for the Everest Base Camp Trek helps to minimize your worries about the uncertain losses during the trek. It gives an opportunity to travel peacefully. Insurance is the best way to secure your valuable life, belongings, and time due to the upcoming uncertain risk. Insuring your trip is the best way to control sudden expenses due to unforeseen events like accidents, flight cancellation, theft, loss, injuries, etc. Just imagine you are all ready for trekking in the wonderful Himalayas but your luggage was misplaced by the aircraft. How do you feel? At that time your insurance will offer compensation to you. Suppose you have medical emergencies in the high altitude. Or you broke your bones and there is no one to carry you on your back. Then what will you do? In the case of emergencies, the insurance company rescues you on the helicopter. The travel insurance helps to cover all the non-refundable funds like plane tickets, hotel booking, rental cars, etc. Due to all these reasons, Insurance for Everest Base Camp Trek is definitely needed for the loss coverage.

What travel insurance for Everest Base Camp Trek normally covers?

Medical evacuation:

While trekking in the higher elevation, you may face many difficulties due to the harsh climate and health emergencies. In the Everest Base Camp Trek, you have to walk for 12 to 22 days with an average walk of 7-8 hours per day. So, there is always a risk of getting injured or accidents as trekkers need to cross numerous bridges, narrow cliffs, gorges, and moraine glacial. Sometimes, there may also appear some medical complications like an ankle injury, muscle strain, or other accidents. Also, there is risk of Acute Mountain Sickness (AMS) while traveling to the Base Camp of the world's highest peak. Due to thin air in the higher elevation above 4,500m, some of the trekkers feel the symptoms of AMS and needed to be evacuated to the nearby hospital. As there are no means of transportation in the higher region. the helicopter rescue operation is necessary for immediate evacuation. So, the travel insurance for Everest Base Camp Trek helps to cover the medical evacuation over 6,000m during emergencies.

Flight insurance/flight cancellation:

Flight cancellation is a prime issue while trekking in the Himalayas. The flights get canceled or delayed for an uncertain time due to fluctuating climate, technical problems, strikes, or some serious virus. This kind of issue may ruin your holiday plan and your budget too. If you have insurance for Everest Base Camp Trek, you don't need to worry about it. The flight insurance covers your flight cancellation and compensates you for your loss. Even, flight insurance covers your life in case of a plane crash during the flight.

Baggage insurance:

Most of the trekkers have faced the problem of luggage missing during the flight. Sometimes, the baggage gets stolen by the people with wrong intentions. Baggage holds all the belongings necessary for the trek. The loss of the valuable gadgets, trekking gears, and other items force you to abandon your EBC Trek which is no lesser than a hell's experience. So, the baggage insurance comes handy at this time as it covers the loss, theft, or damage of your baggage during the entire journey.

Rescue:

Everest Base Camp Trek is dream of many keen trekkers. But, it can be a nightmare due to some unpredictable calamities like an avalanche, landslide, accidents, and track lost. We have heard many issues like these before. And it can happen anytime to anyone. So, while buying insurance you have to make sure that it covers rescue operations during emergencies.  

How to choose the best Insurance company?

There are many insurance companies that offer you the best policies for your trek. Taking a single insurance company's name can be bais. So, I recommend you to search on the internet and choose the highly rated insurance company in your respective country if possible. If you don't find a good insurance company then check the reviews of the insurance company on the internet and go for it. But, before purchasing the insurance, make sure they sell you the adventure insurance for Everest Base Camp Trek which covers above 6,000m. We personally request you not to purchase the insurance policy from the Nepali Insurance company. No Nepal based insurance company will offer you travel insurance as the government of Nepal cracked down the helicopter rescue scams done by the trekking companies to claim the charge of evacuation and hospital bills.

In conclusion:

The travel insurance is a means to get benefits from the unforeseen loss and expenses during the trek. It helps to minimize the risk and worries while you are trekking in the fascinating Himalayas. Therefore, you need to know that your travel insurance for the Everest Base Camp needs to cover the flight insurance, baggage insurance, accidents, and medical evacuation above 6,000m. There are only a few insurance companies that will provide medical evacuation above 6,000m. Most of the insurance companies cover only up to 4,000m altitude which will not be okay for Everest Base Camp Trek. Everest Base Camp is a high altitude trek and you need to trek to the higher altitude of 5,363m/17,597ft and 5,550m/18,208ft. So, you must buy the insurance policy which will cover 6,000m altitude from the authorized company after checking their reviews on the internet. Thank you! For more detail information, contact MMT.