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Travel Insurance In Colombia


Travel Insurance

It's a good idea to purchase travel insurance if you're going to be visiting Colombia. Policies cover everything from trip cancellation, delays, the loss or theft of luggage and valuables, and legal costs. Numerous insurers offering a variety of policies, so do some solid research before choosing the policy that's best for you. Check with your bank or credit card company to find out if you already have coverage. If you have a policy for health, life or homeowner's insurance, you may also have some travel insurance coverage.


Medical Insurance

The most essential part of any Colombia travel insurance policy is the medical provision. Medical treatment costs for serious injuries can quickly add up. Look into how much your insurance will pay for necessary emergency expenses and if your policy covers helicopter rescue and emergency evacuation, should you need to return home for serious medical attention. Most Colombian hospitals demand you pay for your medical treatment up front, usually in cash. If you have to pay cash at a hospital, obtain receipts for any medical care you receive so you can provide copies when making your insurance claim.


Before you leave, make sure your travel insurance policy covers all the activities you intend on doing, or think you might try. Activities such as zip-lining, mountain biking and climbing are often considered “adventurous” and are therefore not covered under a basic policy.


Lost or Stolen Items

Most travel insurance claims relate to lost or stolen goods. If you intend on taking expensive belongings such as laptops, smart phones or cameras to Colombia, there is a chance these items could be damaged, misplaced or stolen. Purchase a policy that offers an adequate level of protection to cover all the items you intend to take to Colombia, or consider leaving any highly expensive items at home.


If you are robbed while in Colombia, report the incident to the police within 24 hours. Make sure to obtain a copy of the police report, as your Colombia travel insurance company may demand this (along with a receipt for the stolen item) when you make your claim.


Basic travel insurance policies may not provide 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 receive. 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 a passport. Read the fine print to make sure you are satisfied with the level of coverage your policy provides.


Student Travel Insurance

When studying in Colombia, it is important to make sure you are covered by appropriate travel insurance. Many study abroad programs require proof of medical insurance or ask students to purchase special policies before leaving. 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 policies, including benefits that help refund course fees in the event of cancellation for medical reasons. It may also be easier to insure valuables such as laptops under study abroad insurance policies, and you may even be able to get coverage for part-time employment or participation in sports and other activities while in Colombia.


Insurance Tips

Be sure to have your travel insurance company's 24-hour emergency contact number, your insurance card and preferably a complete copy of your policy. (You can also scan the policy and e-mail it to yourself, so you can access the information wherever you are, even if someone steals your bags.) Insurance companies also recommend taking written records of any medical conditions and proper names of any medication you are taking, plus copies of any prescriptions.


Here are some related tips to help plan your trip to Colombia: Safety, Safety On The Seventh Sea, Cali Neighborhoods, Nightlife, When To Go, Colombia-Ecuador Border Crossing: San Miguel To Lago Agrio , Medical and Rescue, Providencia and Santa Catalina Safety, Parque Nacional Puracé Safety and Bucaramanga Camera.

27 Sep 2011

VIVA Colombia

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