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Hiker with backpack standing on a rocky ridge overlooking a cloud-filled valley in the Nepal Himalayas

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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  • 4.0 Rating

  • Trusted by 100,000+ travelers

  • 10,000+ policies served

  • Backed by medical guidance

  • Instant online purchase

Is My Baggage, Health, Trip Covered?

  • damage, loss
  • sudden sickness, hospital expense
  • delays, cancellations

Yes!

  • On-the-ground partners and regional hubs ensure care is always reachable.

    Hands

  • 24/7 English-speaking assistance with coverage curated for Nepal.

    Calling

  • Practical support backed by decade-long experience and deep-rooted hospital networks.

    Shield

  • Direct access to our in-house medical team (Medipro) for real medical advice.

    Stethoscope
Nepal calling? We go above and beyond to make sure your trip stays golden.
  • Boudhanath Stupa surrounded by colorful Buddhist prayer flags against a blue sky, Kathmandu, Nepal
    Swayambhunath (Monkey Temple) stupa with golden spire and prayer flags, Kathmandu, Nepal
    Ornate golden Buddhist monastery rooftop overlooking misty hills at sunset, Nepal

    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.

  • Colorful Buddhist prayer flags strung across a ridge overlooking snow-capped Annapurna peaks, Nepal
    Traditional hillside village with terraced fields below snow-capped Annapurna peaks, NepalTraditional hillside village with terraced fields below snow-capped Annapurna peaks, Nepal
    Buddhist prayer flags and autumn foliage framing a snow-capped Himalayan peak, Nepal

    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.

  • Buddhist prayer flags partly buried in snow at a high-altitude camp, Nepal Himalayas
    Colorful Buddhist prayer flags across a mountain pass with the Machapuchare (Fishtail) peak in the background, Nepal
    Hiker resting on a rocky ridge beside Buddhist prayer flags overlooking snow-capped Himalayan peaks, Nepal

    03 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.

  • Trekker in a red jacket crossing a snow-covered valley surrounded by Himalayan peaks, Nepal
    Snow-capped Annapurna peak glowing at sunrise with orange clouds, Nepal Himalayas
    Group of trekkers ascending a snowy slope with rugged Himalayan peaks in the background, Nepal

    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.

  • Group white water rafting through churning rapids on a mountain river, Nepal
    Whitewater raft navigating rapids on a river lined with green forested hills, Nepal
    Rafters paddling through rocky whitewater rapids on a mountain river, Nepal

    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.

Trekker with backpack crossing a long suspension bridge over a forested gorge, Nepal Himalayas
Row of golden Buddhist prayer wheels with carved inscriptions at a temple, Nepal
Red raft carrying people down a wide river with the Nepali flag, Nepal
Group of trekkers posing together on a grassy trail with snow-capped mountains in the background, Nepal
Rocky mountain stream flowing through a green forested valley, Nepal
Hiker with backpack walking along a trail toward a distant mountain peak, Nepal
Trekker with backpack facing snow-capped Annapurna peaks on a sunny day, Nepal
Hiker standing on a grassy ridge at sunset with mountain peaks in the background, Nepal
Trekker hiking toward a snow-capped Himalayan peak, Nepal
Misty green terraced hillside in a Himalayan valley, Nepal
Smiling trekker on a suspension bridge reaching up to colorful Buddhist prayer flags, Nepal
People relaxing by a lakeside at sunset with colorful boats and mountains, Phewa Lake, Pokhara, Nepal
Woman with backpack walking among stupas at Swayambhunath temple, Kathmandu, Nepal
Woman with backpack smiling at Durbar Square with traditional temples, Kathmandu, Nepal
Woman browsing brass bells and handicrafts at a street market stall, Kathmandu, Nepal
Ornate tiered rooftop of a traditional temple with golden finial, Kathmandu, Nepal
Traditional Buddhist monastery with colorful windows below snow-capped Himalayan peaks, Nepal
Trekkers crossing a suspension bridge over a forested gorge, Nepal Himalayas
Hikers trekking along a rocky mountain trail beneath snow-capped peaks, Nepal
Trekker pointing to the MBC (Machapuchare Base Camp) trail signpost with snow-capped mountains, Annapurna region, Nepal

Your Nepal Travel Insurance Questions, Answered

Overhead view of Boudhanath Stupa's white mandala dome and golden spire, encircled by Kathmandu rooftops

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.

Go places, we’ve got you covered.

  • Colorful Buddhist prayer flags strung across a mountain pass with snow-capped Himalayan peaks in the background, Nepal
  • Boudhanath Stupa with colorful Buddhist prayer flags against a blue sky, Kathmandu, Nepal
  • Nepali flag waving in front of the snow-capped Machapuchare (Fishtail) peak under a clear blue sky, Nepal

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