"Super easy and reliable travel insurance! I used LUMA for my trip around Vietnam, Thailand, Japan and Southeast Asia — everything was done online in just a few clicks. Got my policy instantly, no long forms or waiting. What I really liked is that it covers not just regular travel stuff, but also motorcycle accidents — which is a big plus if you're riding motorcycles around in SEA."
Travel Insurance for Nepal, Fully Covered with LUMA
Nepal travel insurance built for real trips. LUMA covers your medical bills, cancelled flights, and the unexpected, with a decade of on-the-ground experience in Asia.
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Trusted by 100,000+ travelers
10,000+ policies served
Backed by medical guidance
Instant online purchase
On-the-ground partners and regional hubs ensure care is always reachable.
24/7 English-speaking assistance with coverage curated for Nepal.
Practical support backed by decade-long experience and deep-rooted hospital networks.
Direct access to our in-house medical team (Medipro) for real medical advice.
Nepal calling? We go above and beyond to make sure your trip stays golden.
01 Flight to Lukla cancelled or delayed by weather
Internal flights, lodge stays, and pre-booked transfers are usually paid well in advance, and a Nepal itinerary stacks up fast. If illness, an injury, or a family emergency stops you travelling, your LUMA plan can cover the costs you've already committed. Get a quote online to see which plans include trip cancellation.
02 Food poisoning or stomach issues bothering you in Kathmandu?
Thamel's restaurants, street stalls, and busy market areas make Kathmandu one of the more common places travelers end up needing medical attention. Food hygiene and water safety outside established spots can be unpredictable. Medipro, our in-house medical team, helps you figure out whether to ride it out or see a doctor.
03 Accident or injury while exploring Pokhara?
Lakeside roads, scooter traffic, and packed sightseeing days can catch travellers off guard. Even a small fall can lead to scans, treatment costs, or a night at a private hospital. Your LUMA policy covers your medical costs, so an unexpected injury doesn't become a financial event on top of the physical one. For larger bills, we can handle billing directly with the hospital.
04 Wildlife safaris in Chitwan National Park?
Chitwan National Park sits far from Nepal’s larger medical hubs, and treatment options around the park can be limited for anything serious. If local facilities are unable to provide the care you need, LUMA helps coordinate transfers to a better-equipped hospital through its regional assistance network.
05 Prepaid Nepal trip and plan falls through before you fly?
Internal flights, lodge stays, and pre-booked transfers are usually paid well in advance, and a Nepal itinerary stacks up fast. If illness, an injury, or a family emergency stops you travelling, your LUMA plan can cover the costs you've already committed. Get a quote online to see which plans include trip cancellation.
Hear real stories from real travellers
"I bought LUMA Travel Insurance for my Asia Trip and it was so easy, everything was done online in just a few minutes, and I received my certificate right away. The process was clear, simple and hassle-free which gave me peace of mind before even starting my journey. I really appreciated how smooth it was."
"I bought it for my trip to Penang. Convenient and peace of mind to have."
"Luma proved to be an excellent partner for insurance in the SEA field. They took perfect care of me and provided all the necessary information."
"Perfect for traveling in Asia. One issue in Phnom Penh, Luma and his staff was particularly efficient and took care of me. Thank you very much Luma."
Your Nepal Travel Insurance Questions, Answered
Yes. Kathmandu sits at around 1,400 meters, and destinations like Pokhara and Nagarkot (around 2,175 meters) are higher still. Travelers who fly directly from low-altitude cities can experience mild altitude-related symptoms without doing any trekking at all. Symptoms like headaches, fatigue, and nausea are worth taking seriously. Medipro, our in-house medical team, can help you assess whether symptoms need medical attention or can be managed with rest.
Food poisoning and stomach-related illnesses are two of the most common reasons travellers visit a clinic in Nepal, particularly in popular tourist regions such as Thamel in Kathmandu. Street food, untreated water, and long days out in the heat can catch people off guard pretty quickly. Even dehydration becomes more common than many travelers expect during packed sightseeing days. Having Nepal travel insurance helps make sure a clinic visit or treatment abroad does not suddenly turn into a stressful expense.
No. Trekking is excluded under all LUMA travel insurance products for Nepal. Everest Base Camp, Annapurna Circuit, Langtang, and similar routes all fall outside coverage. That said, a lot of what happens on a Nepal trip beyond the trail is still covered; medical emergencies in Kathmandu, Pokhara, and other cities, accidents on the road, and trip cancellation for illness or family emergencies. For dedicated trekking cover, you'll need a specialist trekking insurance provider.
Yes. If local facilities can’t provide the treatment you need, LUMA can coordinate transfer to a better-equipped hospital through its regional assistance network, subject to policy terms. All LUMA plans include medical evacuation coverage when it’s medically necessary. So if a serious health situation comes up, you’re not left trying to figure out transport and hospital logistics on your own.
No. As of May 2026, Indian passport holders do not require a visa to enter Nepal, according to the Nepal Tourism Board. Entry is permitted with a valid Indian passport or government-issued photo ID.
Yes. As of May 2026, Nepal's monsoon season runs roughly June to September, and heavy rain regularly disrupts domestic flights, road conditions between major destinations, and access to lowland areas like Chitwan, according to the Department of Hydrology and Meteorology, Government of Nepal. We offer plans with travel delay cover that help with waiting time and irrecoverable costs when transport is disrupted.
Important notes:
Please note claims arising from trekking and mountain climbing in Nepal are not covered under LUMA Travel Insurance policies.
