Next stop, Nepal!
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TRAVEL INSURANCE FOR NEPAL
From monsoonal jungles to snow-covered peaks, Nepal is a country of breathtaking natural landscapes and diverse and distinctive cultures. Scroll on down for our handy guide on visas, getting around and the must-see spots in this awe-inspiring destination.
Zoom's Nepal travel insurance has you covered for any unexpected holiday hurdles. Cover includes medical expenses should you fall sick or become injured, as well as cover for trip cancellation, lost luggage, family emergencies and more.
Important Note: Our policies do not cover for trekking or hiking over 3,000 metres.
WHY BUY WITH ZOOM
medical cover
Relax knowing that your hospital expenses are covered with Zoom's unlimited medical coverage. Zoom to top notch cover!
Travel delays
Setbacks on your sojourn are never much fun. Cover your Nepal travel disruptions in a flash with Zoom travel cover. We keep things zippy!
LUGGAGE COVER
Your stuff is precious and we get that. Take off on your Himalayan adventure knowing your luggage is protected with Zoom.
Family emergencies
Had to rush home or cancel your trip due to a family emergency? We'll cover your non-refundable deposits so you can focus on the rest.
kids go free
Family holiday to Nepal? Save your rupees with all dependants under 19 included under your policy at no additional cost.
rental car excess
Planning a self-driving holiday in Nepal? Our rental vehicle excess add-on is a must for roadtripping travellers.
easy claims
We've done away with lengthy forms and have kept our claims process simple. We guarantee to assess fully documented claims in a flash.
Peace Of Mind
Zoom to Zen. You can sit back and relax on your holiday knowing that you’re covered by award winning travel insurance.
NEPAL QUICK GUIDE
Locked between Tibet and India, Nepal lays claim to eight of the world's ten highest peaks. While often imaged as a nation of snowcapped mountains, much of the country is low-lying and even subtropical, so there is no 'one way' to experience this must-see destination.
Go on, zoom to Nepal and find out for yourself!
No matter which kind of Nepali experience you're planning, Zoom can cover your trip with a range of plans. You can minimise your costs with Medical Only cover, or choose to buy Comprehensive Travel Insurance for extra protection to cover things like travel delays and cancellation. Compare Zoom's Travel Insurance plans online today.
VISAS FOR NEPAL
These rules can change quickly. Contact your nearest Nepalese Embassy or Consulate before you travel for the most up to date information.
ON ARRIVAL
GETTING AROUND
Domestic flights are popular with tourists trekking to base camp, with a flight around $100 saving a day on a bus. Be aware that delays and cancellations are common for weather or operational reasons, and the safety record is poor thanks to low government regulation.
Rental cars tend to come with a local driver. This is good for the company, as their driver protects their vehicle, but it's also good for you - the combination of bad roads and unique road etiquette make local knowledge of immense value. Self-driving holidays are possible, but not recommended.
BEST TIME TO VISIT
WHERE TO GO
Swayambhunath Stupa, sometimes known as the Monkey Temple to foreigners, is a Buddhist temple in Kathmandu Valley. It is one of the most sacred pilgrimage sites to Buddhism.
Chitwan National Park is a World Heritage-listed site in south-central Nepal, home to 68 species of mammal, including the Bengal Tiger and One-Horned Rhinoceros, and over 500 species of birds.
MUST KNOW TIPS
If you eat with your hands, be sure to use the right one only - the left hand is conventionally used for cleaning after going to the bathroom! It is good manners to give and receive things - especially food - with the right hand.
Nepal is a conservative country with respect to dress, so men and women should keep their shoulders covered, and trousers or skirts to at least mid-calf are expected, otherwise you may be seen as disrespectful or sexualised.
CLIMBING EVEREST
Three recent Aussie fatalities in Nepal have raised concern regarding travel safety. We urge those partaking in high-risk activities to take caution and ensure they are adequately covered in the event of an emergency. Many travellers fail to realise that exclusions can apply to various altitude limits. Some policies will impose altitude limits or restrict coverage to destinations such as Nepal and the USA, as well, the vast majority of insurers do not cover climbing expeditions that require the use of ropes or climbing equipment.
At Zoom trekkers who purchase our adventure pack are covered to climb to altitudes of 3,000 metres only, provided specialist climbing equipment is not required. Before you purhcase our cover, ensure your climb does not excedd our altitude limit. Most climbs do carry some element of risk so it’s essential to ensure you’re sufficiently covered should you require medical attention.
Trekking can be a marvellous way to conquer physical and mental heights. However, seeking new altitudes can pose its pitfalls. Here are a few tips on how to avoid them.
Invest in good quality hiking boots: Twisted ankles are among the most common trekking and climbing injuries. Make sure your hiking boots provide good ankle support and keep a close eye on your step when crossing uneven terrain.
Acclimatise slowly: Altitude sickness can seriously derail your once-in-a-lifetime experience. Do your research before you go and take all necessary precautions as you familiarise yourself with your surroundings.
Know your skill level: Only experienced trekkers should try to tackle steep mountain routes alone. Know your ability and stay within that range to ensure a safe and rewarding climb. If you’re struggling don’t be afraid to speak up and seek help.
Stay with the group and heed warnings: If you’re travelling with a group, don’t be tempted to wander off. Always heed local weather warnings and stay attentive and alert.
ZOOMING ELSEWHERE?
Are you planning to zoom somewhere else on your holidays? Whether you're flying to the Philippines or calling on Cambodia, we've got plenty of helpful advice on other popular travel destinations to check out. What are you waiting for? Zoom to it!COMPARE NEPAL TRAVEL INSURANCE
COMPARE PLANS(Benefits are per adult) Expand to see benefits & limits in detail
|
Medical Only | Standard | Comprehensive MOST POPULAR |
|---|---|---|---|
 MEDICAL
|
Unlimited | Unlimited | Unlimited |
| 24/7 Emergency Assistance Services | Unlimited | Unlimited | Unlimited |
| 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements. | |||
| Overseas Emergency Medical & Hospital Expenses^ | Unlimited | Unlimited | Unlimited |
| Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits. | |||
| Includes Dental Expenses (per person) | $500 | $500 | $500 |
| Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth. | |||
| Additional Expenses | - | $10,000 | $50,000 |
| Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas) | |||
| Includes Family Emergency | - | Yes | Yes |
| Cover for additional travel expenses such as your return flight to Australia if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies) | |||
| Includes Resumption of Journey | - | $3,000 | $3,000 |
| Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies) | |||
| Includes Emergency Companion Cover | - | Yes | Yes |
| Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies) | |||
| Hospital Cash Allowance^^ | - | $2,500 | $5,000 |
| An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas. | |||
| Accidental Death | - | - | $25,000 |
| A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies) | |||
| Permanent Disability^^ | - | - | $25,000 |
| A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies) | |||
| Loss of Income^^ | - | - | $10,400 |
| Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to Australia. (no excess applies) | |||
|
CANCELLATION
|
- | $25,000 | Unlimited |
| Cancellation Fees & Lost Deposits | - | $25,000 | Unlimited |
| Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters. | |||
| Alternative Transport Expenses | - | - | $5,000 |
| Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies) | |||
| Travel Delay Expenses | - | - | $2,000 |
| Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies) | |||
|
LUGGAGE
|
- | $7,500 | $7,500 |
| Luggage & Personal Effects | - | $7,500 | $7,500 |
| Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones. | |||
| Luggage & Personal Effects Delay Expenses^^ | - | - | $250 |
| Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies) | |||
| Travel Documents & Transaction Cards^^ | - | $2,000 | $5,000 |
| Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution. | |||
| Theft of Cash^^ | - | - | $250 |
| Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey. | |||
|
PERSONAL LIABILITY
|
$2,500,000 | $2,500,000 | $5,000,000 |
| Personal Liability | $2,500,000 | $2,500,000 | $5,000,000 |
| Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you. | |||
Medical Only
Show Benefits-
MEDICAL Unlimited
- Overseas Emergency Medical Assistance^ Unlimited
- 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
- Overseas Emergency Medical & Hospital Expenses^ Unlimited
- Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.
- Includes Dental Expenses (per person) $500
- Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
- Additional Expenses -
- Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)
- Includes Family Emergency -
- Cover for additional travel expenses such as your return flight to Australia if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)
- Includes Resumption of Journey -
- Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)
- Includes Emergency Companion Cover -
- Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies)
- Hospital Cash Allowance^^ -
- An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
- Accidental Death -
- A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)
- Permanent Disability^^ -
- A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)
- Loss of Income^^ -
- Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to Australia. (no excess applies)
-
CANCELLATION Unlimited
- Cancellation Fees & Lost Deposits Unlimited
- Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.
- Alternative Transport Expenses -
- Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies)
- Travel Delay Expenses -
- Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
-
LUGGAGE -
- Luggage & Personal Effects -
- Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
- Luggage & Personal Effects Delay Expenses^^ -
- Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)
- Travel Documents & Transaction Cards^^ -
- Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
- Theft of Cash^^ -
- Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.
-
ANCILLARY $2,500,000
- Personal Liability $2,500,000
- Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
- Rental Vehicle Insurance Excess Optional
- Cover for the excess payable on your rental car's insurance in the event of accidental damage or theft during the car rental period.
-
Note: Benefit limits shown are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.
^^ There is no cover for these benefits while travelling in Australia.
Sub-limits apply to some sections. Please refer to the section titled Cover Benefits In Detail of this PDS for more information.
Standard
Show Benefits-
MEDICAL Unlimited
- Overseas Emergency Medical Assistance^ Unlimited
- 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
- Overseas Emergency Medical & Hospital Expenses^ Unlimited
- Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.
- Includes Dental Expenses (per person) $500
- Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
- Additional Expenses $30,000
- Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)
- Includes Family Emergency Yes
- Cover for additional travel expenses such as your return flight to Australia if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)
- Includes Resumption of Journey $3,000
- Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)
- Includes Emergency Companion Cover Yes
- Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies)
- Hospital Cash Allowance^^ $2,500
- An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
- Accidental Death -
- A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)
- Permanent Disability^^ -
- A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)
- Loss of Income^^ -
- Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to Australia. (no excess applies)
-
CANCELLATION Unlimited
- Cancellation Fees & Lost Deposits Unlimited
- Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.
- Alternative Transport Expenses -
- Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies)
- Travel Delay Expenses -
- Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
-
LUGGAGE $5,000
- Luggage & Personal Effects $5,000
- Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
- Luggage & Personal Effects Delay Expenses^^ -
- Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)
- Travel Documents & Transaction Cards^^ $2,000
- Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
- Theft of Cash^^ -
- Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.
-
ANCILLARY $2,500,000
- Personal Liability $2,500,000
- Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
- Rental Vehicle Insurance Excess Optional
- Cover for the excess payable on your rental car's insurance in the event of accidental damage or theft during the car rental period.
-
Note: Benefit limits shown are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.
^^ There is no cover for these benefits while travelling in Australia.
Sub-limits apply to some sections. Please refer to the section titled Cover Benefits In Detail of this PDS for more information.
Comprehensive
Show Benefits-
MEDICAL Unlimited
- Overseas Emergency Medical Assistance^ Unlimited
- 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
- Overseas Emergency Medical & Hospital Expenses^ Unlimited
- Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.
- Includes Dental Expenses (per person) $500
- Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
- Additional Expenses $50,000
- Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)
- Includes Family Emergency Yes
- Cover for additional travel expenses such as your return flight to Australia if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)
- Includes Resumption of Journey $3,000
- Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)
- Includes Emergency Companion Cover Yes
- Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies)
- Hospital Cash Allowance^^ $5,000
- An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
- Accidental Death $25,000
- A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)
- Permanent Disability^^ $25,000
- A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)
- Loss of Income^^ $10,400
- Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to Australia. (no excess applies)
-
CANCELLATION Unlimited
- Cancellation Fees & Lost Deposits Unlimited
- Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.
- Alternative Transport Expenses $5,000
- Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies)
- Travel Delay Expenses $2,000
- Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
-
LUGGAGE $7,500
- Luggage & Personal Effects $7,500
- Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
- Luggage & Personal Effects Delay Expenses^^ $250
- Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)
- Travel Documents & Transaction Cards^^ $5,000
- Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
- Theft of Cash^^ $250
- Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.
-
ANCILLARY $5,000,000
- Personal Liability $5,000,000
- Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
- Rental Vehicle Insurance Excess Optional
- Cover for the excess payable on your rental car's insurance in the event of accidental damage or theft during the car rental period.
-
Note: Benefit limits shown are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.
^^ There is no cover for these benefits while travelling in Australia.
Sub-limits apply to some sections. Please refer to the section titled Cover Benefits In Detail of this PDS for more information.
Note: Benefit limits shown are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.
^^ There is no cover for these benefits while travelling in Australia.
Sub-limits apply to some sections. Please refer to PDS for more information.
NEPAL TRAVEL INSURANCE FAQs
Got some curly questions in regards to your Nepal travel insurance cover?
Be in the the know before you go with answers to the most common queries below.
-
Am I covered medically while holidaying in Nepal?
-
Yes, all our policies cover for unlimited medical coverage. Zoom provides cover for your overseas medical expenses including hospital stays, surgery, doctor visits, emergency evacuation and repatriation home if required. We can provide written guarantees of payment of reasonable expenses directly with your hospital in emergency situations.
Please note that our policy only covers up to 3,000 metres with the purchase of the adventure pack.
-
What happens if I need medical assistance in Nepal?
-
Have complete peace of mind on your Nepalese adventure. Zoom provides immediate support through our emergency assistance provider, First Assistance. Help is just a phone call away any time of day 365 days a year. This includes access to medical advisors, medical transfers and emergency evacuation if required. We also assist with passing on messages to family and returning unsupervised dependants back to Australia.
-
How do alcohol and drugs affect my cover?
-
When it comes to alcohol we advise you to drink in moderation. One raksi too many could see you jeopardizing your cover. Please note that we may exclude any claims where excessive drugs or alcohol have been involved.
-
I have high value items; how much can I insure them for?
-
If you have an expensive item that you just can’t leave behind you can insure it separately for up to $5,000. Please note that high value item cover is only available under our comprehensive plan.
-
Am I covered for pickpocketing in Nepal?
-
Yes, you’re covered for pickpocketing and muggings, provided of course you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a pickpocket, you’d be covered for loss, theft and damage to your luggage and personal effects. If you are robbed it’s important that you get a police report and contact us as soon as possible.
-
What age limits apply to Zoom travel insurance policies?
-
You must be under the age of 85 to buy a policy with Zoom. Those under 79 years can purchase a policy for a maximum trip duration of 365 days. Those aged between 80-85 years can purchase a policy for a maximum trip duration of 184 days only. You must also be under the age of 69 to purchase our add-on ski or adventure packs.
-
Can I reduce my excess with Zoom products?
-
Yes you can reduce the standard excess of $200 by paying a excess reduction fee within the payment process.
-
What is a dependant?
-
This means your dependant children or grandchildren under the age of 19 at the date of policy issue who are travelling with you.
