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Travel Insurance in Nicaragua

Looking into travel insurance is an important step when planning a trip to Nicaragua. There are several policies that cover potential problems you may encounter while traveling through Central America, including, delays in transportation, canceled flights, lost luggage, theft, hijacking, and unexpected legal expenses.

Many different insurers offer a variety of coverage, so researching each policy to find one that suits your needs is an important part of the insurance process. First, make sure you don’t already have travel coverage through your bank or through a credit card company. Sometimes these services provide basic travel insurance. If you have rental insurance, homeowners insurance, life insurance or health insurance, your policy might cover travel.

Medical Insurance in Nicaragua

Medical coverage a very important part of any travel insurance plan. Medical costs for injuries and illness can quickly add up. It’s important to learn how much your insurance will pay for emergency medical expenses. You should also find out what procedures or treatments are included such as emergency evacuation and helicopter rescue. If you have to go back home for medical attention, it’s important to know if travel expense is covered in your policy. Many hospitals in Nicaragua don’t take credit and will not bill you after your visit, therefore you must pay cash upfront for medical treatment. If you pay cash at a hospital, you’ll need receipts for any and all medical care you undertake. Insurance companies require copies of these receipts when you make your claim. Before you leave home, make sure your travel insurance policy covers each activity you are interested in taking part in. Some things, like climbing, horseback riding, and river rafting, are considered “adventurous activities” and are not always covered under basic travel policies.

Lost or Stolen Items in Nicaragua

The majority of insurance claims that are made by people while traveling are for stolen or lost property. If you are traveling to Nicaragua with valuable items (e.g., laptops, cameras and mp3 players), it is possible that these things will be stolen or damaged. It is important to make sure that the travel insurance policy you buy offers a enough protection to cover the combined value of all the things you plan to bring to Nicaragua. If this is not possible, consider leaving anything you would not want to lose at home.

If your things are stolen while traveling through Nicaragua, contact the authorities and file a police report within 24 hours. Make sure to keep a copy of the report. Your insurance company will most likely require official documentation of the crime, and possibly a receipt for the stolen item, in order to process your claim.

Basic travel insurance policies will sometimes not cover lost or stolen items, so you'll need to look into each available policy and you might have spend more on a comprehensive policy; the more money you spend on travel insurance, the more protection you will have. If you buy a policy that costs more than the basic policy but has a higher level of coverage, your deductible will probably be lower, the limits covered on single items will most likely be higher, and your policy might even cover stolen cash and passports fees (in the case of a reissue). Do your homework and go over the fine print of your policy closely to make sure the coverage you’re receiving works for you.

Student Travel Insurance in Nicaragua

Students living in Nicaragua should make certain they are covered by the appropriate travel insurance policy. There are many study abroad programs that require students to have medical insurance or other special policies before they leave home. If you are responsible for buying insurance yourself, research your options and find the policy that fits your needs as a student.

People studying abroad may be eligible for benefits that are not included in standard travel insurance policies. These benefits might go towards refunds for tuition in the case that you must cancel courses for medical reasons. It may be easier to get coverage for valuable items under study abroad insurance policies, and you may eligible to receive coverage for a part-time job, various sports you might participate in or other activities while you are in Nicaragua.

Nicaragua Travel Tips on Insurance

It’s very important to have your insurer's 24-hour emergency contact number with you while you are traveling. Having a copy of your policy number is also important. Keeping your insurance details in an email account will ensure access to this information from most places in Nicaragua, even if your things are stolen. It’s never a bad idea to have written records of medical conditions and the names of any medications you are on, as well as copies of prescriptions, in case you find you need them.

Here are some related tips to help plan your trip to Nicaragua : When to Go to El Rama, The Vigoron, Nicaraguans, When to go, When to go, Hostels in Nicaragua, Safety, Photography in Nicaragua, Managua History and Safety.

21 Jun 2010

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