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Travel Insurance In Guatemala

If you are planning a trip to Guatemala, travel insurance might be a worthwhile investment. Travel insurance is an important tool for protecting yourself from financial losses due to medical expenses, theft, lost valuables or luggage, trip cancellations and legal fees. Indeed, for most travelers, using travel insurance in Guatemala is an excellent idea.

There are many Guatemala travel insurance products on the market, so you should thoroughly research which policy best suits you. Before you commit to anything, you should make sure that you do not already have travel insurance coverage through your homeowner's policy, medical insurance or credit card.

Medical Insurance in Guatemala

Medical fees are the most costly unexpected expenses for travelers. A good medical insurance policy should have a high ceiling for costs, as well as provisions for emergency evacuation in case you need specialized treatment back home. Whether or not you have travel insurance, Guatemalan hospitals will require payment up-front. Most hospitals in Guatemala will want cash, though some smarter places will take credit cards. Make sure to get receipts, as you will need these for your insurance claim to be processed.

Note that many travel insurance policies exclude medical expenses incurred during adventure and extreme sports. If you are going to participate in anything outdoorsy, you should check that the activities are covered before you buy.

Lost or Stolen Items in Guatemala

Crime is, sadly, a fact of life in Guatemala. Most travel insurance claims in Guatemala relate to lost or stolen items. If you plan to bring expensive goods with you, it is important to get insurance that covers the value of those goods.

If your goods are stolen, you will need a copy of a police report to submit with your insurance claim. This means heading to a police station within 24 hours of the crime and filling out a good deal of paper work.

Generally, the level of coverage for stolen or lost good is directly proportional to the price of the insurance policy. Cheaper policies have low limits and high deductibles, or they may not cover goods at all.

Student Travel Insurance in Guatemala

Students in Guatemala to study abroad are advised to get travel insurance for their stay; in fact, many universities and programs will require proof of insurance.

A few specialty student insurance policies will cover things like course-fee refunds if you are ill or have to leave the country. Such policies also usually cover goods (like pricey laptops and cameras) and medical expenses incurred during outdoor activities.

Guatemala Travel Tips on Insurance

While traveling in Guatemala, travel insurance companies recommend that you carry your prescriptions, a list of allergies and, of course, the 24-hour international hot line for your insurer. It is also a good idea to have this information saved in an email account and photocopied back home.

Here are some related tips to help plan your trip to Guatemala: Services, Guatemala Facts, Study Spanish, When to Go, Restaurant Summary, History and Politics, Health, Studying Maya, Living In Guatemala and Overview El Remate.

By Nick Rosen
A staff-writer here at V!VA's offices in Ecuador, I came to Quito after having worked on public health and development projects in Africa. Naturally,...
20 Jul 2010

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