• Himalayan Eco-Culture Treks & Research Expeditions

Travel Insurance

Travel insurance is a policy designed to cover the loss that can occur during travel. From the financial aid on trip cancellation to the medical support and rescues during natural disasters and accidents, travel insurance ensures you can get the best in your holiday with minimum worries.

Travel insurance is available according to your needs and budget, but choosing it can be tricky. If a person is unaware of the coverage he will need, he will either buy the wrong package or get frustrated with the whole process. We are here to help.

What is the primary coverage travel insurance should cover?

  1. Trip cancellation

Nobody plans their holidays with the mindset of canceling but unforeseen and unfortunate circumstances like sickness, family emergencies, and other personal, professional or natural reasons, they may have to cancel the trip. So having insured on the matter is vital to relieve yourself from the financial burden.

  1. Flight Cancellation

Sometimes even with our best planning, we might miss our flights. Road blockade due to landslide or delay because of some accidents/sickness in the trio, and other reasons can lead to not making on time for the flight we booked. The airlines would not refund you on the no-show, so having the coverage for flight cancellation will give you the freedom to not constantly worry about the worst-case scenario.

  1. Lost Baggage and passport

Insuring your valuable belongings provides financial aid safety if you lost or got theft during your trip.

  1. Medical emergency

Traveling to new places will expose you to new possibilities. You might sprain your leg while walking, get food poison from the local foods, get into a road accident, or become a victim of natural calamities. Your travel insurance must provide financial aid in this matter and make sure you get the best treatment possible for your safety and wellbeing.

  1. Alpinism and adventure trip

Many Travel insurance coverage does not include the altitude above 3000-3500m or the adventure trips such as canyoning, biking trip, bungee jumping, etc. Especially if you are trekking in the Himalayas, you have to ensure that your insurance policy will cover any medical expenses or accidents that occur up to 6000m ( or higher according to your itinerary).

  1. Emergency Helicopter Rescue

The emergency helicopter rescue is one of the essential coverage you will need while trekking in the Himalayas. In case you get severe altitude sickness, get into any accidents or have any serious medical emergency, the only rescue option available is a helicopter due to difficult access. The rescue can cost quite lumpsum, so insurance that will cover it will make all the difference.

Now, as you are clear on the coverage of the insurance, there are two ways the insurance provides financial aid to its clients:

  • Let the client pay all the medical bills and other expenses by themselves and later refund them once they claim the insurance company after returning home.
  • The travel insurance contacts the client, local agents, and service providers and pays all the bills and expenses directly after confirming the situation.

Insurance Procedure

  • Provide your travel details (dates, itinerary, and details of your travel) along with your details such as passport, a person of contact, etc.
  • Provide a copy of your insurance to your travel operator.
  • Let your travel operator, or you contact the insurance company during the emergency.
  • For the claim, present:
    Letter by travel operator in case trip cancellation or shortening of the trip.
    Letter by airlines/police in case of the loss or theft of the luggage.
    Certificate of medical reports in case of accident or trip cancellation due to a medical emergency.