It is a strict condition of joining an Access-Himalaya adventure holiday that you must be insured against all medical and personal accident risks, including repatriation if necessary. Helicopter evacuation, in the unlikely event of your being injured or taken seriously ill on trek, is very costly - an average rescue flight would cost between US$1500 and $2000 (immediate, pre-payment required), so inclusion of cover in your insurance policy for this facility is vital - without appropriate insurance we cannot accept you as a member of a trekking holiday. For such wide-ranging holiday insurance, you need to look to a company which specialises in adventure holiday, such as the British Mountaineering Council (BMC), which offers an acceptable policy at a reasonable premium. In the case of non-specialist adventure travel insurers, you should ensure that an acceptable repatriation/rescue clause is specified in your policy document and that the emergency international contact details are clearly stated.