The insurance covers the Guide and porters in this package, but not for yours because you are traveling from your home town. Short Annapurna Base Camp Trek is a very low risk of High altitude sickness due to already acclimatizing before getting in Base Camp. In our experience, just a few trekkers have been affected by AMS during this trek. In case anything happened, it would be better to have full insurance for safety. The insurance should be covered up to 4,500 meters elevation, for emergency rescue and hospitalization, for this we are any time ready to assist you. The cost will be 80 USD to 150 USD depending on the different companies. In Nepal, we also have some insurance companies in Kathmandu, but we suggest you buy from your country as you start your journey from your country. If I see my client’s history, most of them have insurance from these companies; Travel Guard: American Alpine Club, Travel Safe, TID, True Traveler Insurance, World Nomad, etc. But you may find out other reliable insurance companies too. Please, just make your own decision.