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Travel Insurance In Peru

To protect yourself financially while visiting Peru, travel insurance is essential; it will reduce or remove your financial costs should you incur medical bills, lose or be robbed of personal items or encounter unexpected cancellations while traveling.

There are many sources for travel insurance in Peru, all offering a variety of plans. There are differences in deductibles, benefit caps, coverage for stolen goods and exclusions for certain risky activities. Once you know what you will be doing in Peru, travel insurance plans can be crafted to meet your needs.

Medical Insurance in Peru

Unexpected medical expenses abroad can be horrifyingly high, so make sure your travel insurance policy in Peru includes generous coverage for such expenses. There are three things to look for in medical coverage: the deductible (the part of the claim that insurance will not cover), the ceiling or cap (the maximum amount the insurance company will pay) and provision for medical evacuation, should you need special treatment back home. As a general rule, Peruvian hospitals will want payment up front; in rural areas, they may ask for cash, rather than a credit card. You must always get a receipt for any payment you make, as you will need this in order to be reimbursed by your insurer.

Before you leave, check which activities are covered and which are not. In many insurance policies, medical costs sustained as a result of rock climbing, mountaineering and other adventure sports common in Peru are not covered.

Lost or Stolen Items in Peru


If you are going to bring expensive gadgets like laptops, cameras or smartphones with you to Peru, it's probably a good idea to get some coverage for your possessions. Bare-bones policies do not usually cover lost or stolen goods, but if you're willing to pay a bit more, you can find policies that will protect you from such losses.

If something of yours is stolen, you will need to go to a police station within 24 hours to get a written report, called a denuncia. You will need to submit this report in order to be eligible for a reimbursement from your travel insurance provider. See individual cities and towns for listings of the local police stations.

Peru Travel Tips on Insurance

Keep these travel insurance tips in mind when you are heading to Peru:

  • Always carry the phone number for your 24-hour insurance hotline. It is also wise to give a copy of your plan to someone back home and to keep the information saved in an E-mail account so that it can be accessed from any location.
  • If you need any major medical treatment, always check with your insurance provider first, to ensure that they will cover the treatment you need.
  • If possible, travel with a credit card (and, in rural communities, extra cash) so that you don't get caught out if you do need to pay for medical treatment upfront.
  • Carry a list of your prescriptions with you, ideally translated into Spanish.
  • Also have a list identifying any allergies you have, ideally translated into Spanish.

Here are some related tips to help plan your trip to Peru: Safety, Earthquakes in Cusco, Central Peruvian Andes Safety , Moquegua Safety, Safety in Huanchaco, Safety In Lima, Safety, Safety in Paracas, Safety and Lake Titicaca Safety.








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,...
13 Jun 2012






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