The tariff that we charge does not cover your travel insurance. Travelers are, thus strongly advised to have a Comprehensive Travel Insurance policy to protect you from any unforeseen incidents like accidents, travel and baggage delays, or medical emergencies, etc. Since many insurance companies do not offer policy in general for adventures like trekking, biking, rafting, etc. it is strongly recommended to take extra coverage for specific activities you wish to undertake in Bhutan. To note, emergency evacuations in Bhutan are generally very expensive.