A travel insurance policy covering robbery, injury, and medical complications is best for Nepal travel. A wide range of policies are available, so review the small print carefully. Make sure you’re prepared for adventure and high altitude events. Because you enter more than 4000 meters on a few treks in Nepal, it is best to select a policy that includes medical and emergency resettlement, including helicopter evacuation for trekkers and general medical evacuation. I recognize that most medical care and facilities/hospitals must be charged at the patient’s point of delivery. And it’s smart to have a policy that pays physicians or hospitals directly, rather than trying to pay for it on the spot and demand it later.