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Travel Insurance in Uruguay

Taking out a travel insurance policy is an important part of preparation for a trip to Uruguay. Policies cover a wide range of potential problems, including flight cancellation, terrorist acts, the loss/theft of valuables, and legal expenses. There are many different insurers offering a wide variety of products, so it is worth spending some time to research the policy most suitable for your trip. First off, check to see if you already have coverage through a credit card company or bank, both of which sometimes provide basic travel insurance. If you already have a health insurance, life insurance, or rental/homeowner's insurance policy, you may also have some travel insurance coverage.

Medical Insurance in Uruguay

The most essential part of any travel insurance policy is the medical provision. The cost of medical treatment for serious injuries can quickly mount. Look into how much your insurance will pay for necessary emergency expenses and if your policy includes helicopter rescue and emergency evacuation, should you need to return home for serious medical attention. Most medical facilities in Uruguay demand you pay for your medical treatment beforehand, usually in cash. If you have to pay cash at a hospital, make sure you get receipts for any care you receive so you can provide copies when making your insurance claim. Before your departure, make sure the travel insurance policy you chose covers all the activities you may be engaged in. Activities such as mountain climbing, mountain biking, and canyoning may not be covered under a basic policy.

Lost or Stolen Items in Uruguay

Most travel insurance claims relate to lost or stolen items. If you intend on taking expensive belongings such as cameras, laptops or iPods to Uruguay, there is a chance these items could go missing. Invest in a travel insurance policy that offers an appropriate level of protection to cover all the items you intend to bring with you, or consider leaving any extremely expensive items at home. If you are a victim of theft while in Uruguay, report the incident to the police within 24 hours. Make sure to obtain a copy of the report, as your insurance company may require it (along with a receipt for stolen item) when you make your claim. Basic travel insurance policies may not include any provision for the loss or theft of valuables and, generallyl, 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 passport replacement. Check the details very closely to make sure you are satisfied with the level of coverage your policy provides.

Student Travel Insurance in Uruguay

If you plan on studying in Uruguay, it is important to make sure you are covered by travel insurance. Many study abroad programs require proof of medical insurance or ask students to purchase policies before departure. If you need to purchase coverage, shop around for the best policy that suits your needs. As a student abroad, you may be qualify for additional benefits not covered under normal travel insurance policies, including benefits that help refund course costs in the event of cancellation for medical reasons. It may also be simpler to insure valuables such as laptops under study abroad insurance policies, and you may even be able to get coverage for part-time jobs or participation in sports and other activities while in Uruguay.

Uruguay Travel Tips on Insurance

Be sure to have your insurer's 24-hour emergency contact number and a copy of your policy information with you while traveling. It is also a good idea to keep your insurance details in an email account 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 any medication you are taking, plus copies of any prescriptions, just in case.

Here are some related tips to help plan your trip to Uruguay : Colonia del Sacramento Tours , Keeping in touch in Montevideo , When To Go , When to Go , Laundry in Montevideo , Holidays and Fiestas in Montevideo , Medical Care in Montevideo , Safety in Colonia del Sacramento and When to go to Montevideo .

17 Jun 2010

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