Travel Insurance for Nepal

Whether you’re hiking through the Annapurna Circuit, exploring the temples of Kathmandu, or cruising along the City of Lakes in Pokhara, Fast Cover’s Nepal travel insurance offers different levels of cover to suit many types of travel in Nepal.

Every traveller’s needs are different, so check the PDS to find the right policy for you. Any advice is general advice only and doesn't consider your personal circumstances.

What does Fast Cover’s Nepal Travel Insurance Cover?

This is only a summary of some benefits available. Each policy has specific terms, conditions, exclusions, and limits. Not all benefits apply to all policies, so always review the PDS before deciding.

Overseas Emergency Medical Evacuation and Repatriation Expenses in Nepal

In case you are seriously injured or sick whilst in Nepal, cover is available to cover the costs for the flight home or to get to the nearest hospital. ^

24 Hour Emergency Medical Assistance

Fast Cover’s Australian-based emergency assistance hotline provides 24/7 support for unforeseen overseas medical emergencies with access to experienced medical support services arranged by our Emergency Assistance team, who you can call wherever you are in Nepal, at any time. ^

Overseas Emergency Medical and Hospital Expenses in Nepal

This benefit is available to provide protection against the financial burden of unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries, incurred by you during your trip to Nepal. ^

Trip Cancellation Expenses

You can take out a Nepal travel insurance policy with cancellation cover up to 12 months before you travel. This can come in handy if you want to take measures to help protect the non-refundable bookings you’ve already paid, like flights, accommodation, cruises and tours, if you’re not able to travel to Nepal due to an unexpected emergency that is covered under the policy. ^

Travel Delay Expenses

Bad weather or airline operational issues can throw a spanner in the works on your holiday to Nepal. This benefit is available to provide cover for reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each 24 hour period if your scheduled transport is delayed for at least 6 hours from the time your transport was scheduled to depart. ^

Luggage and Personal Effects

This benefit is available to provide cover for loss, theft or damage to your luggage and personal belongings such as phones, cameras and laptops while you travel around Nepal. Conditions including maximum cover limits, sub-limits on how much you can claim for each type of item and the situations in which we would provide cover apply. ^

Optional Extras for your Nepal Travel Insurance

Fast Cover's optional add-ons allow you to customise your travel insurance policy so you can include cover for a range of activities and adventures in Nepal.

Adventure Pack

Travellers aged 74 and under at the date of policy issue embarking on adventures throughout Nepal's unique landscapes and locations can add on the Adventure Pack for an additional premium to cover an extra list of adrenaline-pumping activities such as hiking between 3000m and 6000m, caving, ziplining and more.^

man wearing helmet riding yellow scooter

Motorcycle Pack

Riding a motorcycle is a great way to explore Nepal’s mountainous landscapes, from the Kathmandu-Pokhara route to the Annapurna Circuit with views of the Himalayas. Travellers aged 74 and under at the date of policy issue who want to ride or be a passenger on a scooter, moped or motorcycle, will need to add the Motorcycle Pack to their Nepal travel insurance policy. ^

Bicycle Pack

Planning to cycle through scenic Nepal? If your bicycle is under three years old, valued at $1,500 or more and free of defects at the time of policy purchase, our Bicycle Pack is available to provide cover for your bike if it is permanently lost, stolen or accidentally damaged during your trip to Nepal. ^

Ski and Snow Sports Cover

Travellers aged 69 and under at the date of policy issue planning to ski or snowboard in Nepal can apply for Fast Cover's ski and snow travel insurance, called the “Snow Sports Plus Policy”, which can provide cover for costs associated with ski and snow sports. ^

Specified High Value Items

If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effects terms and conditions, you can choose to specify them as a specified high value item for an additional premium. ^

Rental Vehicle Insurance Excess

Renting a car is a great way to explore Nepal at your own pace. If your rental vehicle is in an accident, damaged or stolen during your trip to Nepal, Fast Cover can, depending on the policy chosen, provide additional cover of up to $8,000 for the rental vehicle insurance excess component of your rental vehicle insurance with your car hire company. ^

Cover for Existing Medical Conditions

If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.

Select Who Needs Cover

Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions.

Take a Medical Screening

Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.

Choose to Add Cover

We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.

To find out more about our medical screening process, and how the policy will apply in relation to an existing medical condition, please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Insurance Cover Options for your Trip to Nepal

At Fast Cover, we have a range of coverage options available for your trip to Nepal. The below options are a summary of some of the benefits available under the various policy options, please see the PDS for full details.

Comprehensive Travel Insurance

Comprehensive Travel Insurance is Fast Cover's most popular policy option. It provides the highest level of cover for the widest range of unexpected situations like medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income. ^

Standard Saver Travel Insurance

The Standard Saver Travel Insurance policy provides many benefits similar to our Comprehensive policy but usually lower limits, such as trip cancellation and trip disruption, as well as relating to your health and luggage and personal belongings when you travel. ^

Basic (Medical Only) Travel Insurance

Our Basic Travel Insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.^

More than one trip? Consider Multi-Trip Travel Insurance for Frequent Travellers

If you travel to Nepal frequently, you can get a quote for a Frequent Traveller Saver Policy when you take out travel insurance for Nepal. We can provide cover for an unlimited number of trips in a 12 month period up to a specified number of days each trip.^

Multi-Award Winning Travel Insurance

The Fast Cover team always strives to deliver the best Travel insurance we can for all our travellers. We're very thankful for the Travel Insurance Awards we've received recognising our efforts.

Winner Travel Insurance Award

2022, 2023, 2024 & 2025 ProductReview.com.au Travel Insurance Award†

Winner Outstanding Value

2024 Canstar Outstanding Value Award for Seniors Travel Insurance†

Value for Money

2024 Finder Customer Service Satisfaction Awards†

The Benefits of Travel Insurance for Nepal

Depending on the level of cover you take out with our Nepal travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances.

The table below is only a summary of benefits. Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website. Benefit limits shown apply per person for both Singles and Duo policies. # These benefit limits are shared between Duo policy holders. ~ These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately. ^ Cover under these benefits are excluded while travelling within Australia. If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.

Medical Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Overseas 24/7 Emergency Medical Assistance^ sub-limits:	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)	$20,000		$20,000	$20,000	$20,000	$20,000
Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)	$60,000	–––	$60,000	$60,000	$60,000	$60,000
Overseas Emergency Medical & Hospital Expenses^	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Overseas Emergency Dental^	$500	–––	$750	$1,000	$1,000	$1,000
Overseas Emergency Evacuation & Repatriation^	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Overseas Hospital Cash Payment^ sub-limits:	–––	–––	–––	$5,000	$5,000	$5,000
Daily Limit (per person)				$50	$50	$50
Accidental Death Travellers Aged 80 to 89:	–––	$25,000 $20,000	–––	$25,000 $20,000	$25,000 $20,000	$25,000 $20,000
Accidental Death for travellers up to age 79		$25,000		$25,000	$25,000	$25,000
Accidental Death for travellers aged 80 - 89		$20,000		$20,000	$20,000	$20,000
Accidental Death of a Dependant (per Dependant)		$5,000		$5,000	$5,000	$5,000
Permanent Disability^ Travellers Aged 80 to 89:	–––	–––	–––	$50,000 $20,000	$50,000 $20,000	$25,000 $20,000
Permanent Disability for travellers up to age 79				$50,000	$50,000	$25,000
Permanent Disability for travellers aged 80 - 89				$20,000	$20,000	$20,000
Permanent Disability of a Dependant (per Dependant)				$5,000	$5,000	$5,000
Loss of Income^ sub-limits:	–––	–––	–––	$10,400	$10,400	$10,400
Weekly Limit (per person) - up to 26 weeks				$400	$400	$400

Financial Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Trip Cancellation Expenses sub-limits:	–––	Unlimited	$25,000	Unlimited	Unlimited	Unlimited
Travel Agents Cancellation Fees		$1,500	$1,500	$1,500	$1,500	$1,500
Close Relatives that do not meet Close relative conditions		$2,000	$2,000	$2,000	$2,000	$2,000
Personal Liability~	$1,000,000	$5,000,000	$2,500,000	$5,000,000	$5,000,000	$5,000,000
Trip Disruption Expenses sub-limits:	–––	$50,000	$30,000	$50,000	$50,000	$50,000
Close Relatives with a Pre-existing Medical Condition		$2,000	$2,000	$2,000	$2,000	$2,000
Trip Resumption Expenses	–––	$3,000	$2,000	$3,000	$3,000	$3,000
Luggage & Personal Effects sub-limits:	Optional up to $2,000	$7,500	$5,000	$15,000	$15,000	$15,000
Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (per item)	$3,000	$3,000	$3,000	$3,000	$3,000	$3,000
Mobile phones (per item)	$1,500	$1,500	$1,500	$1,500	$1,500	$1,500
Tablets (per item)	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000
All other unspecified items (per item)	$750	$750	$750	$750	$750	$750
Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.	$2,000	$2,000	$2,000	$2,000	$2,000	$2,000
Passports, Credit Cards & Credit Card Fraud^	–––	–––	$2,000	$5,000	$5,000	$5,000
Special Event Transport Expenses	–––	$5,000	–––	$5,000	$5,000	$5,000
Rental Vehicle Excess#~ sub-limits:	–––	$5,000	Optional up to $8,000	Optional up to $8,000	Optional	Optional
Return of Rental Vehicle		$500	$500	$500	$500	$500
Travel Delay Expenses sub-limits:	–––	$2,000	–––	$2,000	$2,000	$2,000
Daily Limit (per person) (we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)		$200		$200	$200	$200
Delay of Luggage and Personal Effects^	–––	–––	–––	$750	$750	$750
Theft of Cash^~	–––	–––	–––	$250	$250	$250

Snow Sports Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Snow Sport Equipment	–––	$1,500	–––	–––	$1,500	–––
Snow Equipment Replacement Hire	–––	$1,500	–––	–––	$1,500	–––
Snow Prepaid Expenses	–––	$750	–––	–––	$750	–––
Snow Resort Closure~ sub-limits:	–––	$1,000	–––	–––	$1,000	–––
Daily Limit (per person)		$100			$100

COVID-19 Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses^	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)	$20,000	–––	$20,000	$20,000	$20,000	$20,000
Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)	$60,000	–––	$60,000	$60,000	$60,000	$60,000
COVID-19 Trip Cancellation & Disruption	–––	$3,500	$3,000	$5,000	$5,000	$5,000

What is Not Covered in our Nepal Travel Insurance?

It’s important to know not just what your travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of.

Here are some examples of when cover may not be available. Always check the PDS and TMD to understand the policy terms, conditions, exclusions, limits and sub limits before making your decision.

If you become injured while breaking the law

If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. This could include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol.

Remember that possession of certain drugs are illegal in Nepal. Using drugs or selling them can land you in trouble with the law in Nepal.

If you are intoxicated or have taken illicit drugs

It’s not illegal to have a drink while in Nepal, but if you’ve drunk alcohol excessively, there are certain exclusions that will likely apply. That means if you’re under the influence of alcohol and you stumble and hurt yourself, you may not have cover under your policy.

Certain drugs are illegal in Nepal and you may not be covered by your Nepal travel insurance policy when you’ve taken drugs.

If you do an activity that isn’t covered by your policy

If you’re injured in an accident while for example, hiking between 3000m and 6000m (where specialist climbing equipment is not required)^ and you didn’t add the Adventure Pack to your Nepal travel insurance policy, you’ll likely be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy.

It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do in Nepal.

Unsupervised belongings

If something of yours is stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your laptop inside it while ordering food at a café, this will be considered leaving your belongings unattended, in which case you may not be covered.

Make sure you keep your belongings with you at all times or keep them in a secure location.

Regular medical or dental check-ups

There are exclusions that apply for regular or routine check-ups or filling regular prescriptions as they are not considered medical emergencies. If you require regular medication, bring enough of what you’ll need for your holiday to Nepal before you leave Australia.

Ignoring official warnings

Should the Australian Government release a warning on Smartraveller that certain areas in Nepal are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase.

Known events

Known Events

Known events are serious situations, from natural disasters like earthquakes and landslides to disease outbreaks, which can affect your holiday plans and also the cover on your travel insurance policy for Nepal.

If you buy your Nepal travel insurance after an event is deemed a “Known event”, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for Nepal so you know where you stand with regards to the cover that you will have on your Nepal travel insurance policy.

Disappointing holidays

Perhaps the weather was bad, you didn’t enjoy your trek, or your accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your holiday has shaped up, your travel insurance policy for Nepal is not intended to compensate you because you didn’t enjoy your time there.

Why Choose Fast Cover?

Australian-Based Customer Service

24/7 Emergency Assistance

25 Day Cooling Off Period#

Fast and Simple Claims Process

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Things you need to know

^* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

^ Disclaimer: Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. Make sure you consider the PDS and TMD at fastcover.com.au prior to deciding which policy is right for you and your individual needs.

# 25-day money back guarantee applies provided your trip has not started and you have not exercised any rights under the policy (e.g. made a claim or used the policy to obtain a visa).