Peru Travel Insurance

Travelling to Peru without insurance can leave you vulnerable to unexpected costs or complications. From health emergencies to natural disasters, here are some reasons why Peru travel insurance is a must when visiting Peru:

• Health Care Costs: Peru offers both public and private healthcare, but for international travellers, access to private care without insurance can be expensive.
• Lost or Delayed Luggage: Flights to Peru may involve layovers or delays, and lost or delayed baggage is not uncommon.
• Adventure Activities: Peru is a top destination for adventure travellers, with activities like hiking the Inca Trail, paragliding, and exploring the Amazon. These activities come with their own set of risks, making specialized insurance essential.

Medical Coverage

This is the most crucial type of coverage you’ll need when travelling to Peru. Medical insurance ensures that you are covered for any accidents, illnesses, or health emergencies that arise during your trip.

Trip Cancellation and Interruption

If your trip is unexpectedly cancelled or interrupted due to unforeseen circumstances (such as illness, weather disruptions, or family emergencies), this coverage reimburses your non-refundable travel expenses.

Lost or Delayed Baggage

If your luggage is lost, stolen, or delayed, your insurance can help cover the cost of replacing essential items, ensuring you can continue your trip without added stress.

Adventure Sports and Activities Coverage

Given Peru’s popularity for adventure tourism, it’s essential to check if your policy covers activities like hiking, mountain biking, or river rafting. Standard travel insurance may not cover high-risk activities, so additional coverage might be necessary.

Medical Emergencies and Evacuation

Peru travel insurance should cover medical expenses in case of emergencies, including hospital stays, surgery, and emergency medical evacuations, particularly if you are traveling in remote areas like the Amazon or the Andes.

Natural Disasters and Weather-Related Disruptions

Peru is known for its diverse weather conditions, which can sometimes cause travel delays or cancellations. Travel insurance can protect you if your plans are interrupted due to natural disasters or severe weather.

Theft and Loss of Personal Belongings

Pickpocketing and petty theft can occur in crowded areas or tourist spots, so having coverage for stolen or lost items, including passports, cameras, or money, can save you a lot of trouble.

Contacting Your Insurance Provider

Before you head out, familiarize yourself with your insurance provider’s emergency hotline and have your policy number easily accessible. In case of an emergency, contact your provider as soon as possible for guidance.

Getting Medical Assistance in Peru

In case of a medical emergency, head to a private hospital if possible, as they offer higher-quality care. Your travel insurance should cover these medical expenses, but you may need to pay upfront and get reimbursed later.

• Trip Length: Longer trips typically have higher insurance costs.

• Age: Older travelers may pay more for insurance due to increased risk.

• Coverage Level: Comprehensive coverage will cost more than basic coverage.

• Pre-Existing Conditions: Restrictions or additional fees may apply.

• Activities: High-risk activities may increase premiums.

Average Cost Range

• Low End: Around $50 per person for a two-week trip.

• High End: Upwards of $200 or more, depending on coverage.

Tips for Cost Savings

• Shop Around: Compare quotes from multiple providers.

• Early Purchase: Buy insurance soon after booking your trip.

• Customize Coverage: Tailor the policy to your specific needs.

By considering these factors and tips, you can estimate and potentially reduce the cost of Peru travel insurance for your trip.