A travel-insurance policy that covers theft, loss and medical problems is best for travelling in Nepal. Make sure,your insurance is covered for adventure activities and high altitude. Since you reach above 4000 meters on quite a few treks in Nepal, it is best to choose a policy that covers medical and emergency repatriation, including helicopter evacuation for trekkers and general medical evacuation. Also understand that most medical treatment and facilities/hospitals must be paid for at the point of delivery of the patient. So it’s wise to choose a policy that pays doctors or hospitals directly rather than you having to pay on the spot and claim later.