CTG for the Annapurna Region
Annapurna Circuit Trekking Insurance
Comprehensive Tourism Guard, altitude-matched to Thorong La Pass and the full circuit.
The Annapurna Circuit crosses Thorong La Pass at 5,416m — one of the highest trekking passes in the world, and comfortably within CTG's ≤5,500m tier.
Comprehensive Tourism Guard (CTG) is Himalayan Guardian Nepal's Nepal trekking protection service, underwritten by IGI Prudential Insurance Limited, with emergency coordination from Alpine Rescue Service. Coverage is selected by your route's actual highest point — for a standard circuit itinerary via Manang and Thorong La, that means the ≤5,500m tier; extensions to Tilicho Lake (4,919m) or the Annapurna Base Camp side trip stay within the same tier.
CTG Altitude Tiers
≤ 2,000m
Tour & Low Trek
- Accidental Death & Disability$35,000
- Accidental Medical$2,000
- Emergency Medical Transportation$2,000
- Repatriation of Corpse$2,000
≤ 3,500m
Mid-altitude Trek
- Accidental Death & Disability$35,000
- Accidental Medical$2,000
- Emergency Medical Transportation$3,000
- Repatriation of Corpse$2,000
≤ 5,500m
This RouteHigh-altitude Trek
- Accidental Death & Disability$35,000
- Accidental & AMS Medical Treatment$3,500
- Emergency Medical Transportation$4,500
- Repatriation of Corpse$2,000
≤ 6,000m
Expedition
- Accidental Death & Disability$17,500
- Accidental & AMS Medical Treatment$3,500
- Emergency Medical Transportation$6,000
- Repatriation of Corpse$2,000
Figures shown are Standard Plan liability maximums, subject to the issued policy's full terms, limits and exclusions. Live pricing by age, duration and device is on the Plans & Pricing page.
Emergency Medical Transportation on the Circuit
Emergency Medical Transportation — ground, ambulance, helicopter, or another suitable method — is arranged based on your medical condition, your exact location and the surrounding terrain, current weather, what's operationally feasible at that moment, and applicable policy conditions. The rescue and medical process, not the traveller's preference alone, determines the appropriate method and destination.
Emergency medical transportation may include helicopter evacuation when medically necessary and operationally appropriate. This isn't a guarantee that every incident results in a helicopter, and it isn't a promise of helicopter access from every location in every condition — it's a structured decision, made by people assessing the actual situation, within your plan's coverage. Report an emergency via the Emergency Call Center, or press SOS on the Tracer M3 device where included, and HGN and Alpine Rescue Service coordinate the response from there.
Annapurna Circuit Insurance Questions
Thorong La, altitude sickness and rescue coordination — answered directly.
Still have questions? Contact usCTG offers four standard tiers — ≤2,000 m, ≤3,500 m, ≤5,500 m, ≤6,000 m — plus separate Special Route coverage for designated peaks and routes.
CTG provides qualifying AMS-related benefits on applicable plans, and qualifying AMS can trigger Emergency Medical Transportation, subject to the insurer's requirements and evidence criteria.
It depends on the policy. CTG specifically includes qualifying AMS protection on its ≤5,500 m, ≤6,000 m and Special Route plans, with AMS-related Emergency Medical Transportation available more broadly.
Coverage varies by provider. Under CTG, emergency medical transportation may include helicopter evacuation when medically necessary and operationally appropriate.
Yes, as one possible form of Emergency Medical Transportation, determined by medical need and on-ground conditions — not as an automatic or guaranteed outcome for every incident.
Select the plan that covers the highest point of your planned route — not just your average sleeping altitude.
Crossing Thorong La?
Get Covered First.
See the full CTG product — coverage, rescue workflow and Tracer M3 — before you check pricing.