Travel Insurance & Rescue Policy

Every participant must obtain and maintain suitable insurance from the time cancellation exposure begins until the journey and any related travel are complete. The policy must cover Pakistan, the booked dates, the actual activity, and the maximum planned altitude.

Namla does not sell or arrange personal insurance and cannot confirm how an insurer will interpret a claim. The participant must read the full wording, disclose relevant information, and obtain written confirmation from the insurer where coverage is unclear.

Coverage must be adequate for the cost and risk of the booked journey. Depending on the activity, this should include:

• Emergency medical treatment, hospital care, and medically necessary transport.

• Search, rescue, ground evacuation, helicopter evacuation where available, and repatriation, without an altitude or activity exclusion that conflicts with the itinerary.

• Trekking, mountaineering, climbing, skiing, fixed-rope use, glacier travel, or other activities included in the booking.

• Trip cancellation, curtailment, interruption, delay, missed departure, and additional accommodation or transport where suitable products are available.

• Personal accident, death, disability, personal liability, baggage, and specialist equipment appropriate to the participant.

A policy described only as “adventure travel” or “medical evacuation” may be insufficient. Rescue membership, credit-card benefits, or an assistance subscription may not be an insurance policy and may not pay medical, cancellation, or repatriation costs.

Before departure, provide the certificate, policy number, insurer and assistance contact details, coverage dates, maximum altitude and activity wording, and any information reasonably required for permits or emergency planning.

Our review is an operational check, not professional insurance advice or a guarantee of coverage. We may request clarification or replacement cover where the documents appear inconsistent with the itinerary.

Carry offline and printed copies of the policy, certificate, assistance number, passport, and emergency contacts. A family member or trusted contact should also know how to reach the insurer.

Insurance can help authorise and pay for an eligible rescue. It cannot make an aircraft fly through unsafe weather, darkness, cloud, high wind, or unsuitable terrain.

Rescue may be delayed or impossible because of location, altitude, visibility, weather, daylight, aircraft availability, landing conditions, communications, government coordination, crew safety, or provider and insurer decisions.

Every emergency plan must allow for ground evacuation, assisted descent, stretcher movement, animal or vehicle transport, waiting for conditions, and transfer between facilities. Evacuation to the nearest suitable care does not necessarily mean direct international repatriation.

The field leader determines the immediate safety response and communicates with Namla operations where possible. Medical professionals, authorities, aircraft operators, and insurers retain their own decision-making authority.

Safety needs take priority over itinerary, summit plans, or group preference. The team may begin descent or other reasonable assistance before insurer approval where delay would create greater risk, but a provider may still require financial authorisation before supplying a service.

The participant is responsible for rescue, medical, transport, accommodation, repatriation, communication, and related costs incurred on their behalf. Where an insurer covers the event, reimbursement or direct payment remains subject to the insurer’s process and decision.

Namla is not required to fund a participant’s emergency costs. If Namla or another person advances money, the participant must repay it promptly unless the amount is recovered directly from the responsible insurer or provider.

Keep receipts, reports, correspondence, and evidence needed for a claim. Namla will provide reasonably available operational records but does not prepare, control, or decide the insurance claim.

Tell us immediately if coverage is refused, cancelled, changed, or becomes invalid. We may suspend or cancel participation if mandatory cover is not maintained. This is treated as a participant failure to meet a booking requirement and does not normally create a right to a refund.

If a participant proceeds without valid coverage contrary to instructions, they accept full financial responsibility and may be removed from the activity where it is safe and lawful to do so.

Common exclusions may relate to pre-existing medical conditions, age, intoxication, travel advisories, unapproved routes, competitive or professional activity, altitude, technical grades, failure to use required equipment, or late purchase. Only the insurer can confirm how its exclusions apply.

A rejected or limited claim does not transfer the cost to Namla. Insurance is a financial protection tool and does not replace preparation, honest medical disclosure, guide authority, or conservative field decisions.