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Travel Insurance in Chile

Anyone planning to travel to Chile should take out a travel insurance policy, so that all the potential problems that can arise (cancellation of transportation, delays, hijacking, the loss or theft of valuables) are protected.

A number of insurers offer a wide variety of products, so spend some time researching the policy most suitable for your trip. Some credit card companies and banks provide basic travel insurance, so be sure to check if you area already covered. If you already have a policy for health insurance, life insurance, or rental/homeowner's insurance, you may also have some travel insurance coverage.

Medical Insurance in Chile

The medical provision is the most important part of any Chile travel insurance policy. The cost of medical treatment for serious injuries can quickly mount up. Read between the lines to find out how much your insurance will pay for necessary emergency expenses or services such as helicopter rescue and emergency evacuation, should you need to return home for serious medical attention.

Most hospitals in Chile demand you pay for your medical treatment up front, usually in cash. Be sure to get receipts for any medical care you receive so you can easily provide copies when making your insurance claim.

Before you leave, make sure the Chile travel insurance policy you chose covers all the activities you intend on doing, or think you might try. Climbing, mountain biking, zip-lining, and other such activities are many times considered “adventurous activities” and thus not covered under a basic policy.

Lost or Stolen Items in Chile

Most travel insurance claims relate to lost or stolen items. If you intend on taking expensive belongings (including cameras, laptops or smart phones) to Chile, there is a chance these items could be stolen or damaged. Be sure to purchase a travel insurance policy that covers all the items you intend on bringing to Chile, or consider leaving any extremely expensive items at home.

If you are robbed while in Chile, report the incident to the police within 24 hours. Make sure to obtain a copy of the report, as your insurance company may demand this when you make your claim. They will most likely also ask for a receipt for the stolen item.

Basic travel insurance policies may not include any provision for the loss or theft of valuables and, in general, the more money you are willing to spend on travel insurance, the greater the level of protection you will have. If you purchase a more comprehensive policy, the deductibles will be smaller, single item limits will be higher, and there may even be coverage for cash and the cost of reissuing passports. Check the details very closely to make sure you are happy with the level of coverage your policy provides.

Student Travel Insurance in Chile

When studying in Chile, it is important to make sure you are covered by an appropriate travel insurance policy. Many study abroad programs require proof of medical insurance or ask students to purchase special policies. If you need to purchase coverage yourself, shop around for the best policy that suits your needs.

As a student abroad, you may be able to collect additional benefits not covered under normal Chile travel insurance policies. For example, your insurer may help refund course costs in the event of cancellation for medical reasons. It may also be easier to insure valuables such as laptops under study abroad insurance policies. Additionally, you may be able to get coverage for part-time jobs or participation in sports and other activities while in Chile.

Chile Travel Tips on Insurance

Be sure to have your insurer's 24-hour emergency contact number and a copy of your policy number with you while traveling. Keep your insurance details in an email account so you have access to the information wherever you are, even if someone steals your bags. Insurance companies also recommend taking a list of the proper names of any medication you are taking, plus copies of any prescriptions and written documentation of any existing medical conditions.

Here are some related tips to help plan your trip to Chile: Pharmacies in Chile, Safety in Puerto Natales, Getting To and Away from Puerto Natales, Chile Internet access, WiFi and Internet cafes, Safety in Pichilemu, Pre-Arranged / Organized Tours, Lakes District Border Crossings, Crossing into Bolivia, Safety and When to Go to Punta Arenas.

By Karen Nagy
Karen Nagy is a staff editor/writer at V!VA. She studied travel writing and learned the joys of Mediterranean island-hopping in Greece, and went on...
17 Jun 2010

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