Travel Insurance for Peru: Coverage and Why Do You Need It
Traveling to Peru is an exciting and enriching experience. With its breathtaking scenery, rich history and culture, and world-renowned cuisine, it is no wonder that this South American country is an increasingly popular tourist destination.
However, as with any trip, there is always the possibility that something unexpected may occur and affect our itinerary or our health. That is why purchasing travel insurance before traveling to Peru is important.
In this post, we will tell you everything you need to know about travel insurance in Peru, from what it covers to how to choose the best one for your travel needs.
So if you are planning a trip to Peru, read on to make sure you are prepared for any eventuality.
Why do You Need Travel Insurance to Travel to Peru?
If you are planning a trip to Peru, you must consider the importance of taking out travel insurance.
Although it is not mandatory to enter the country, having travel insurance will give you the peace of mind and protection you need to enjoy your trip without worries.
Common Risks During a Trip to Peru
High altitude: Much of Peru is at high altitudes, which can cause altitude sickness and other health problems.
Altitude sickness can make you feel tired, dizzy, and have a headache or shortness of breath. Travel insurance can help you get the medical care you need to treat these symptoms.
Robbery and theft: Although Peru is a safe country, you can be a victim of pickpockets and theft. This may include the theft of wallets, cell phones, cameras, and other valuables. Travel insurance provides financial protection in case of loss of your belongings.
Insect-borne diseases and illnesses: In Peru, you may be exposed to insect-borne diseases such as dengue fever, malaria, and yellow fever. However, the most common is to suffer from traveler’s diarrhea.
The latter usually happens by drinking tap water, eating poorly washed fruits, drinking natural fruit juices that you are not used to, etc. Travel insurance can help you get the medical care you need in case you get sick.
Benefits of having travel insurance in Peru
Medical Coverage
One of the main reasons to purchase travel insurance for Peru is medical coverage. In case you suffer an illness or injury during your trip, having travel insurance guarantees you the necessary medical assistance without having to worry about the high costs this may imply.
Check that your travel insurance includes medical care, hospitalization and medical repatriation in case of emergency.
Here is an example of travel insurance coverage Mondo for Peru. For a two-week trip, the price ranges from 42€ with medical coverage of 100,000€ to 96€ for coverage of 6,000,000€.
Undoubtedly, the amount is much lower than you might imagine for the coverages it has.
Cancellations and refunds
Another aspect to consider when searching out travel insurance for Peru is cancellations and refunds in case of unforeseen events.
If, for any reason, you have to cancel your trip or modify your plans, having travel insurance allows you to recover part or all of the expenses you have incurred.
In addition, in case of loss of luggage or important documents such as passports, travel insurance can cover the necessary expenses for their recovery or replacement, thus avoiding major inconveniences during your trip.
In summary, taking out travel insurance for Peru is a wise and necessary decision to guarantee protection and peace of mind during your trip.
Make sure you choose insurance that suits your needs and provides you with the necessary coverage to enjoy your trip without worries.
We have been using Mondo travel insurance for years and have also used Chapka travel insurance. I will tell you what their coverages are below.
What Does Travel Insurance for Peru Cover?
Below, we explain what is covered by travel insurance for Peru.
Medical emergencies
Travel insurance for Peru covers you in case of medical emergencies. This includes medical expenses, hospitalization, medication, and medical repatriation if necessary.
Please note that some travel insurances also cover pre-existing conditions and treatments for chronic illnesses.
It is important that before contracting a travel insurance policy, you check the conditions and coverage offered by each plan.
For example, the Mondo travel insurance in its most basic plan covers $250.000, repatriation and early return included, luggage coverage of $1700, and electronic equipment is optional.
Theft or loss of baggage
Another coverage included in travel insurance for Peru is protection against theft or loss of luggage. In case your luggage is stolen or lost at the airport, the insurance provides you with financial compensation so that you can replace your belongings.
It is important that before contracting a travel insurance policy, you check the conditions and coverage offered by each plan. Check if the insurance covers valuables such as cameras, cell phones or jewelry, as in some cases they may be an exclusion.
In the case of Mondo insurance, they differentiate common luggage from electronic equipment, which is fine, especially if you’re like us who carry more in photographic equipment than anything else.
Flight Cancellations
Travel insurance for Peru also covers you in case your flight is canceled or delayed. In these cases, the insurance provides you with financial compensation to cover any additional expenses that may arise, such as accommodation or transportation.
It is important that before contracting a travel insurance policy, you check the conditions and coverage offered by each plan.
Check if the insurance covers flight cancellations due to causes beyond your control, such as extreme weather conditions or strikes, as they may be an exclusion in some cases.
How to Choose the Best Travel Insurance for Peru?
If you are planning a trip to Peru, you must choose the best travel insurance to protect you in case of any emergency. Here are some factors to consider when choosing the best travel insurance for Peru.
Type of Trip
The type of trip you plan to take is an important factor to consider when choosing travel insurance for Peru. If you plan to do adventure activities such as hiking or extreme sports, you should make sure that the insurance you choose covers these types of activities.
In addition, if you plan to travel with your family, you should look for insurance that offers coverage for all family members.
In the case of Mondo travel insurance, you have primary and complete coverage for adventure sports, depending on your insurance type.
Coverage
Coverage is one of the most important factors to consider when choosing travel insurance for Peru. You should ensure that the insurance you choose provides adequate coverage for medical expenses, emergency medical evacuation, and repatriation in the event of death.
You should also look for insurance that covers flight delays, lost luggage and trip cancellations.
According to HeyMondo, some of the best travel insurance options for Peru are those that offer medical expense coverage of at least €100,000 and emergency medical evacuation coverage of at least €250,000.
Price
Price is another important factor to consider when choosing travel insurance for Peru. You should look for insurance that offers good value for money and fits your budget. However, you should not compromise the quality of coverage for a lower price.
Some of the companies such as Mondo Insurance, have excellent coverage and some of the best prices in the market.
Conclusion
If you plan a trip to Peru, you must consider the importance of buying travel insurance. Although it is not mandatory, having adequate coverage will give you peace of mind and protection in case of any medical emergency or unforeseen event during your trip.
When choosing travel insurance, you must consider your needs and the type of trip you are planning. Be sure to read the policy details carefully and understand the exclusions and limitations of coverage.
In addition, it is essential that you choose a reliable insurance company with experience in covering international travel. We rely on travel insurance Mondo, and Chapka are some of the leading travel insurers offering coverage for Peru.
Remember that although Peru is a safe country, it is always better to be prepared for any eventuality. Taking out travel insurance is an investment that can save you a lot of money and worry in case of an emergency.
Plan Your Trip to Peru
- Printable PDF trip planner
- Itinerary to travel through Peru in 12 days
- What to see on your first trip to Lima
- How to get from Lima to Machu Picchu
- What to see in Cuzco
- Guide to visit Machu Picchu
- Visit the Huacachina Oasis
- Flying over the Nazca Lines
- Loreto, visit the Amazon
- Recommendations to prevent altitude sickness
Last Updated on 6 September, 2023 by Veronica
Disclosure: Some of the links on this post are affiliate links, meaning at no additional cost to you, I may earn a small commission if you click through and make a purchase.
Author: Veronica
Vero, a seasoned traveler, has explored 25 countries and lived in five, gaining a rich perspective and fostering an infectious passion for travel. With a heart full of wanderlust, Vero uncovers the world’s hidden gems and shares insights, tips, and planning advice to inspire and assist fellow adventurers. Join Vero and let the shared passion for travel create unforgettable memories.
