{"id":12756,"date":"2026-01-19T05:33:55","date_gmt":"2026-01-18T20:33:55","guid":{"rendered":"https:\/\/ashu-travel.com\/news\/insurance-is-a-must-for-central-asia-horse-riding-tours-how-to-choose-coverage-for-falls-and-emergency-evacuation-must-read-before-you-travel\/"},"modified":"2026-10-01T21:07:33","modified_gmt":"2026-10-01T12:07:33","slug":"central-asia-horse-riding-insurance","status":"publish","type":"news","link":"https:\/\/ashu-travel.com\/en\/news\/central-asia-horse-riding-insurance\/","title":{"rendered":"Insurance Is a Must for Central Asia Horse Riding Tours! How to Choose Coverage for Falls and Emergency Evacuation [Must-Read Before You Travel]"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

Salamatsyzby! This is Sugi from ASHU TRAVEL, scenic horse riding tours in Central Asia.<\/p>\n\n\n\n

“I want to ride a horse across Central Asia all the way to the horizon!”<\/p>\n\n\n\n

Many people find ASHU TRAVEL with that dream in mind.<\/p>\n\n\n\n

But to make sure your dream riding experience becomes a lifelong memory, there’s one thing you must never forget…<\/p>\n\n\n\n

And that is overseas travel insurance<\/strong>.<\/p>\n\n\n\n

At ASHU TRAVEL, we require everyone joining our horse riding tours to have overseas travel insurance<\/strong>.<\/p>\n\n\n\n

In this article, we’ll explain from our staff’s point of view why insurance is essential for a riding trip and how to choose the right one!<\/p>\n\n\n\n

Why Is Overseas Travel Insurance Essential for a Riding Trip?<\/h2>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Our horse riding tours, centered on Kyrgyzstan, call for a different kind of risk management than city sightseeing.<\/p>\n\n\n\n

Horses are living animals. There’s no such thing as 100% safe<\/h3>\n\n\n\n
\"\"<\/figure>\n\n\n\n

The horses on our tours are carefully raised by local riding instructors and nomads. Our director, Nuriya, always takes a strict look at how the horses are raised and where they ride whenever she inspects a site.<\/p>\n\n\n\n

But however well trained they are, horses are living creatures. They can be startled by a barking dog or a small animal darting out and move unexpectedly. <\/p>\n\n\n\n

Even if you think, “I have riding experience,” you never know what might happen in untouched wilderness. That’s exactly why being prepared for a possible fall is a must.<\/p>\n\n\n\n

Evacuation from remote areas can cost an enormous amount<\/h3>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Some of our tours visit spectacular spots that can only be reached on horseback.<\/p>\n\n\n\n

If you get injured there and need to be rescued by a special vehicle, the cost can easily exceed what an individual can pay.<\/p>\n\n\n\n

Even bigger is the cost of transport back to Japan<\/strong>. For injuries or illnesses that can’t be fully treated locally, you’d be flown back to Japan on a chartered plane accompanied by a doctor and nurse. In one case of transport from neighboring Mongolia to Japan, it cost about \u00a516 million<\/strong>. There is also a record of \u00a510.76 million for transport from Shanghai, China, and there have been cases where insurance payouts involving overseas transport exceeded \u00a540 million.<\/p>\n\n\n\n

Local treatment costs themselves are often cheaper than in Japan, but once you need to be transported, the cost jumps by orders of magnitude.<\/strong><\/p>\n\n\n\n

Be well prepared so that, if the worst happens, you can get the best medical care without worrying about the cost.<\/p>\n\n\n\n

Japan’s Ministry of Foreign Affairs also says “\u00a510 million is far from enough”<\/h2>\n\n\n\n

The \u00a530 million figure isn’t something ASHU TRAVEL came up with on its own. The Overseas Safety website of Japan’s Ministry of Foreign Affairs clearly warns about Kyrgyzstan.<\/p>\n\n\n\n

\n

There are very few medical facilities that meet adequate standards in terms of hygiene and technology. Even for short stays, it is recommended that you take out overseas travel insurance with sufficient coverage that includes emergency evacuation services (for transport to Japan, a limit of around \u00a510 million is far from sufficient, so unlimited coverage is desirable<\/strong>).<\/p>\nMinistry of Foreign Affairs of Japan, Overseas Safety website: “Kyrgyzstan: Basic Safety Data” (updated July 17, 2025)<\/cite><\/blockquote>\n\n\n\n

It even says “unlimited coverage is desirable.” ASHU TRAVEL’s requirement of \u00a530 million or more is the minimum line based on this.<\/p>\n\n\n\n

Don’t Get It Wrong! 3 Points for Choosing Insurance for a Riding Trip<\/h2>\n\n\n\n
\"\"<\/figure>\n\n\n\n

To choose insurance that works even deep in the mountains of Central Asia, check the following criteria.<\/p>\n\n\n\n

\u2460 “Medical treatment + rescue costs” totaling \u00a530 million or more<\/h3>\n\n\n\n

At ASHU TRAVEL, medical treatment and rescue coverage of \u00a530 million or more<\/strong> is required. If you’re worried, a plan with unlimited coverage gives the most peace of mind.<\/p>\n\n\n\n

There’s one tip for checking this.<\/strong>Depending on the insurance product, the policy document is written in one of two ways.<\/p>\n\n\n\n