Travel Medical Insurance for Kathmandu

Yes. US domestic health insurance does not cover you in Kathmandu, Nepal. A hospital stay here costs $400–$1,800 per day for uninsured visitors. Without coverage, you're personally responsible for 100% of any medical costs.

CIWEC Hospital Travel Medicine Center specializes in treating altitude sickness and trekking injuries for international travelers. B&B Hospital and Norvic International are also recommended. Nepal requires trekking insurance with helicopter evacuation coverage. When you buy through Tower Hill, your policy includes a 24/7 assistance line that can direct you to approved facilities and coordinate direct billing with the hospital — so you don't pay out of pocket.

The most common medical issues for visitors to Kathmandu are altitude sickness (even Kathmandu at 4,600 ft can cause symptoms), trekking injuries in Himalayas, helicopter evacuation from remote peaks, foodborne illness, road accidents, and air pollution. Your travel medical policy covers emergency treatment for all standard illnesses and injuries encountered while traveling.

Travel medical insurance for Kathmandu typically costs $2–$8/day for travelers under 60, depending on age, coverage level, and deductible chosen. A 2-week policy for a healthy 40-year-old typically costs around $35–$70. That's roughly the cost of one meal at a tourist-area restaurant — for coverage up to $1,000,000.

Yes — every travel medical insurance policy through Tower Hill includes emergency medical evacuation coverage. If your condition cannot be adequately treated in Kathmandu and you need transport back to the US, your policy covers the air ambulance and associated costs up to the policy limit.

Buy within 14 days of your first trip payment to unlock time-sensitive benefits: pre-existing condition waiver, Cancel For Any Reason (CFAR) upgrades, and financial default protection. There's no price benefit to waiting — the policy simply activates on your departure date.