Nepal Trekking Insurance

Insurance designed to cover the specific risks of trekking in Nepal — altitude, remote terrain, and the transportation and medical costs that can follow an accident or qualifying illness on the trail.

CTG is Himalayan Guardian Nepal's Nepal trekking protection service, combining insurance from IGI Prudential Insurance Limited with emergency coordination, medical/rescue support, and optional satellite tracking.

IGI Prudential Insurance Limited provides the insurance component of CTG.

Alpine Rescue Service.

Eligible travellers aged 18–70, both Nepalese and international, meeting the policy's eligibility requirements. Guides and porters are excluded from the insured class under the underlying policy.

Yes. Eligible Nepalese travellers can purchase CTG.

Standard eligibility is 18–70 years inclusive.

CTG 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.

Yes, provided you select the plan matching your itinerary's actual highest altitude, which for most EBC routes falls at ≤5,500 m or above.

A plan that covers the highest point of your specific itinerary — check your route, including any side trips, before selecting.

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.

Through a coordinated process: emergency contact, location and condition assessment, a rescue plan formed by HGN and Alpine Rescue Service, transportation, and medical handover.

Medically necessary transportation — ground, ambulance, helicopter or another suitable method — to appropriate treatment, arranged according to your condition and circumstances.

SOS sends a distress alert via the Emergency Call Center, which starts location verification, situation assessment, and rescue coordination. It doesn't automatically dispatch a specific transport method.

Yes, provided your trek or journey hasn't started yet. You select your intended start date, and coverage begins from that date.

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.

Declared conditions are referred to IGI Prudential for review. If approved, you may be accepted with AMS-related coverage excluded; the decision belongs to the insurer.

Report an incident within 48 hours, submit documentation within 21 days (subject to exceptions), and HGN assists with the process while IGI Prudential assesses and settles the claim.

IGI Prudential Insurance Limited. HGN assists with documentation but does not decide claims.

Check whether your existing policy covers Nepal-specific trekking risks, altitude ceilings, AMS, and coordinated emergency transportation in remote terrain. Coverage for these varies significantly between providers.