CTG for altitude, wherever you're headed
High Altitude Trekking Insurance in Nepal
Four altitude tiers, one product — matched to the highest point on your route, not the region's name.
Trekking above 3,500m in Nepal is a different risk profile from a lower-altitude trip — routes climb quickly, road access is often limited, and weather can ground helicopters for hours or days.
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. It's structured around your route's maximum altitude — not its region — so the same four tiers apply whether you're headed to the Everest / Khumbu, Annapurna, Manaslu, Langtang, Kanchenjunga, or another high-altitude route within Nepal.
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
High-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. Designated Special Routes and Special Peaks use a separate liability structure. Live pricing by age, duration and device is on the Plans & Pricing page.
Choosing your tier
Choose the plan that covers the highest point on your planned route — not just your average sleeping altitude. If an accident occurs above the ceiling of your purchased plan, it may fall outside your insurance liability, so it's worth double-checking your itinerary's actual high point, including any side trips, before selecting.
Emergency Medical Transportation at Altitude
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.
High Altitude Insurance Questions
Altitude tiers, AMS 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.
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.
Pricing depends on altitude tier, age and duration. Check current pricing on HGN's official plans page, since retail pricing can change.
Select the plan that covers the highest point of your planned route — not just your average sleeping altitude.
Match Your Plan
to Your Altitude.
See the full CTG product — coverage, rescue workflow and Tracer M3 — before you check pricing.