Insurance for travelling to Peru

by Freddy December 14, 2022
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Peru is one of the most exciting countries in Latin America, so making sure you have the travel insurance is an essential part of your vacation plan. In this post, we will provide you with some useful tips and advice on how to stay safe in the country, ensuring you travel with peace of mind with the most suitable insurance for your needs. We will also show you how to get the best out of our recommended insurance providers.

If you’re a lover of adventure, nature, or high mountain trekking, you will need to ensure you are protecting yourself against any eventualities that might occur. Health insurance can offer a comfort blanket for those looking to get the most out of their vacation without leaving themselves exposed medically or financially, in the event of an unforeseen accident.

Is insurance mandatory in Peru?

Travel insurance is not mandatory when visiting Peru. However, although there are no specific insurance requirements for entering the country, the Peruvian government does not provide cover for foreign tourists. For this reason, we recommend that all our visitors purchase a suitable travel insurance policy before travelling to Peru, to ensure you are covered for any unforeseen circumstances that take place throughout your travel.

As the tourist destinations in Peru have diverse landscapes, varying altitudes and can often experience extreme climatic conditions, visitors could be at risk of unexpected medical events during their stay. If you or your family suffer a medical emergency whilst visiting Peru, there are a variety of medical clinics and hospitals throughout the country that you can visit for assistance. These centers can facilitate tourists in the event they are a victim of sporting accidents, tropical diseases, food poisoning or altitude sickness, amongst other ailments.

In addition to health-related incidents, visitors could also be exposed to unforeseen problems with the airlines. This could be anything from delayed flights caused by bad weather or force majeure, or luggage lost in transit. It is therefore prudent to check the coverage on your insurance policy, to ensure you are covered in the event of a fault with the airline.

Best travel insurance in Peru

Here is a list of some of the best international insurance providers that you can use for your trip to Peru.

Iati Mochilero: Specially designed for travellers who love extreme sports. Policies include coverage for more than 60 sports and adventure activities. This insurance has coverage in the following countries:
Southeast Asia: India, Nepal, Thailand, Vietnam, Indonesia, Philippines.
Latin America: Mexico, Costa Rica, Peru, Colombia, Brazil, Argentina.
Africa: Kenya, Tanzania, Madagascar, South Africa.

Mondo: Offers a complete individual or group travel insurance policy for both international and local travel. Policy holders have the ability to personalise their travel insurance needs whether they are traveling alone, with friends or with family.

Intermundial: Stands out for its innovation and ability to adapt to all classes of tourism. Offers the best solution for its policyholders through a scope of comprehensive cover, protecting against unforeseen issues than may occur throughout Europe and across the world.

Benefits of a Travel Insurance

  • Medical care abroad.
  • Access to medicines.
  • Medical and health assistance 24 hours a day, 365 days a year.
  • Emergency medical assistance.
  • Medical or funeral repatriation.
  • Loss or theft of luggage and/or documentation.
  • Missed or delayed flights.
  • Trip cancellation due to force majeure.
  • Legal assistance.
  • Covid 19.

Coverage that insurance must have in Peru

  • Free online support in English and Spanish 24 hours a day, 7 days a week.
  • Due to the popularity of trekking, cycling, climbing and canoeing, we recommend you have cover for adventure sports.
  • If you are the victim of an incident, your insurance company must take charge of the payments made to the clinics or medical center whereby you have received assistance.
  • Coverage against COVID-19 such as a PCR test prescribed by a doctor, medical transport, medical assistance, displacement of a family member due to hospitalization due to COVID-19, quarantine or extension of stay at destination due to positive or direct contact with a positive, repatriation, etc.
  • Travel insurance to Peru should not require an excess. That is, a fixed amount established by contract that you will have to pay for each assistance.
  • You must have coverage against loss and theft of luggage.
  • The insurance must have the option of extending the insurance with guarantee and its cancellation.

How much does travel insurance cost to Peru?

The cost of travel insurance to Peru depends on the insurance policy you require and the activities you intend to undertake. The premium is also dictated by the duration of your visit, the limits of cover and what events are included and not included. We recommend that our clients opt for at least a mid-range insurance policy with a low to zero excess and a care guarantee of at least 500,000 pains.

The approximate average daily price of a mid-range insurance policy per person is:

$4,000 for 21 days cover

$3,700 for 15 days cover

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