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8 Reasons You Need Travel Insurance for Colombia

Colombia has been on your radar for a long time, and you’re finally making strikes to go. But have you purchased journey insurance coverage for Colombia?

You’ve already taken some Spanish lessons to organize your self, and also you’ve obtained your whole mandatory vaccinations. You’ve even spent months planning your itinerary.

You’ll wander the Previous City streets of Cartagena and bounce between the seashores off the coast. You’ll attempt every restaurant in Medellín’s El Poblado, and you’ll climb all 740 steps up the famous Guatapé rock. Oh, and you may’t wait to hike amongst the tallest palm timber on the planet in Salento.

Now the straightforward part is getting yourself travel insurance. And, since you’re traveling to Colombia, you need it. While Colombia is a comparatively protected nation to journey, there are a mess of explanation why journey insurance coverage continues to be key.

  • Travel insurance coverage for your Colombia journey offers you peace of mind. The very last thing you need to do whereas traveling someplace new is to be worrying about anything aside from having fun with yourself. With journey insurance, no matter what occurs—medical issues, theft, travel delays—you’ll be able to chill out understanding you’re coated.
  • Travel insurance coverage will value only a small fraction of the full trip value. Give up the excuse that “travel insurance is too expensive.” The truth is that, when you can’t afford travel insurance, you possibly can’t afford to travel.
  • You in all probability can’t afford to not have travel insurance in Colombia. Whereas medical prices within the country are relatively low, medical transport shouldn’t be. And what if someone steals your bag? Might you afford to exchange the whole lot inside on prime of the worth of your journey?
  • Travel insurance provides you with the arrogance to actually take pleasure in your journey. Eat the street meat, go paragliding and take mototaxis round. Almost definitely, nothing dangerous will occur however, if one thing does go awry, you’ll be ready.

You have plenty of great journey insurance coverage options for Colombia—but there’s so much it would be best to think about when buying a plan.

What Is Travel Insurance?

Insurance isn’t precisely an fascinating matter. For most of us, insurance is simply something we’ve got to have—for our automobiles, our houses, our well being… It’s typically expensive, and it’s typically extremely complicated, however we buy it nonetheless as a result of we all know it’s a necessity.

Travel insurance coverage is a bit like the insurance with which you’re in all probability already acquainted. The primary distinction is that travel insurance is designed to cowl only emergencies and unforeseen occasions—and just because you might have journey medical insurance doesn’t imply that you simply’re coated at house.

The truth is, you typically need both a medical insurance plan and journey insurance coverage, since america authorities, for one, will penalize residents with out an at-home plan. So, to be clear, travel insurance is further insurance coverage that’ll cowl some of your emergencies and sudden incidents when you’re on the street, the place your regular insurances gained’t necessarily assist.

How Does Travel Insurance Differ from Regular Well being Insurance?

Once more, it’s necessary to know that journey insurance shouldn’t be common medical insurance. The travel insurance coverage plan you buy for Colombia, for example, will supply medical protection. However this protection just isn’t for regular doctor checkups. It covers any attainable accidents, sicknesses and issues you may unexpectedly encounter in your trip (not at house). And it doesn’t cowl preexisting circumstances.

Along with masking attainable emergency room visits, travel insurance additionally often comes with medical repatriation. Because of this the insurance will cowl the fee (or a very good chunk of the fee) to fly you back house for medical care in your personal country. It won’t cowl your medical care when you’re again house—that’s what your medical insurance plan at home is for.

Just like householders’ insurance, travel insurance will often cowl the possessions you’re taking on your journey, as nicely. In case your bag gets stolen in Colombia, journey insurance coverage will uniquely kick in and cover the price to switch your gadgets.

What when you injury another person’s property or harm somebody by chance in Colombia? Good travel insurance may even often have some legal responsibility coverage for such points that other insurances gained’t cowl.

Moreover, along with medical and property protection, journey insurance coverage will even help in the case of an sudden trip cancellation or interruption. You may need to cancel your trip due to a demise in the family, for example. Or if there’s a natural disaster or a violent assault in Colombia, you may need to interrupt your journey and head house early. Travel insurance will reimburse you for prices in situations like these, which other insurances gained’t cowl.

8 Reasons Why You Need Travel Insurance for Colombia

Regardless of where you journey, you need travel insurance coverage. In Colombia, particularly, it will possibly are available really useful. Here’s why you’ll undoubtedly need to purchase a policy earlier than heading out in your journey.

These examples might damage the trip you’ve been dreaming up if it’s a must to pay out of pocket—from medical bills to trip cancelations to stolen gadgets.

1. Your Stuff Goes Missing

<img data-attachment-id="31888" data-permalink="https://travelfreak.net/?attachment_id=31888" data-orig-file="https://s29823.pcdn.co/wp-content/uploads/2019/04/lost-baggage.jpg" data-orig-size="1599,1067" data-comments-opened="1" data-image-meta=""aperture":"0","credit":"","digital camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0"" data-image-title="Baggage on an airport carousel" data-image-description="

an orange suitcase on an airport baggage carousel

” data-medium-file=”https://s29823.pcdn.co/wp-content/uploads/2019/04/lost-baggage-600×400.jpg” data-large-file=”https://s29823.pcdn.co/wp-content/uploads/2019/04/lost-baggage-800×534.jpg” class=”size-large wp-image-31888″ src=”https://s29823.pcdn.co/wp-content/uploads/2019/04/lost-baggage-800×534.jpg” alt=”an orange suitcase on an airport baggage carousel” width=”800″ peak=”534″ />Ensure you’re coated for misplaced baggage

With journey insurance in Colombia, you gained’t should stress a lot if something goes missing. Whether the airline loses your bag or a pickpocket will get your telephone, insurance might help cowl the prices to switch the lost gadgets.

2. You Need to Cancel Your Trip

<img data-attachment-id="31882" data-permalink="https://travelfreak.net/?attachment_id=31882" data-orig-file="https://s29823.pcdn.co/wp-content/uploads/2019/03/trip-cancelation.jpg" data-orig-size="1601,1345" data-comments-opened="1" data-image-meta=""aperture":"zero","credit":"","digital camera":"","caption":"","created_timestamp":"zero","copyright":"","focal_length":"zero","iso":"zero","shutter_speed":"zero","title":"","orientation":"0"" data-image-title="Abandoned luggage in a home" data-image-description="

An opened abandoned suitcase in a hallway

” data-medium-file=”https://s29823.pcdn.co/wp-content/uploads/2019/03/trip-cancelation-600×504.jpg” data-large-file=”https://s29823.pcdn.co/wp-content/uploads/2019/03/trip-cancelation-800×672.jpg” class=”size-large wp-image-31882″ src=”https://s29823.pcdn.co/wp-content/uploads/2019/03/trip-cancelation-800×672.jpg” alt=”an open deserted suitcase in a hallway” width=”800″ peak=”672″ />You never know once you’ll have to abandon your luggage and cancel your journey

Nobody ever needs to cancel a visit however typically things come up. If you have to cancel your Colombia trip as a result of a well being problem or one other coated cause, travel insurance coverage might help. A great coverage will reimburse you for pre-paid bills like lodge rooms and flights.

three. You Get Food Poisoning in Colombia

<img data-attachment-id="31901" data-permalink="https://travelfreak.net/8-reasons-you-need-travel-insurance-for-colombia/colombia-street-food/" data-orig-file="https://s29823.pcdn.co/wp-content/uploads/2019/03/colombia-street-food.jpg" data-orig-size="1600,1067" data-comments-opened="1" data-image-meta=""aperture":"zero","credit":"","digital camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"zero","title":"","orientation":"zero"" data-image-title="A food vendor selling cakes in Colombia" data-image-description="

A meals vendor selling desserts in Colombia

” data-medium-file=”https://s29823.pcdn.co/wp-content/uploads/2019/03/colombia-street-food-600×400.jpg” data-large-file=”https://s29823.pcdn.co/wp-content/uploads/2019/03/colombia-street-food-800×534.jpg” class=”size-large wp-image-31901″ src=”https://s29823.pcdn.co/wp-content/uploads/2019/03/colombia-street-food-800×534.jpg” alt=”a lady sells muffins on the street in Colombia ” width=”800″ peak=”534″ />Road food is tasty, nevertheless it comes with dangers!

While faucet water is okay to drink in most major cities, it’s rather a lot much less regulated in rural areas. Plus, there are meat sticks grilling on each corner—they usually’re arduous to show down. Mix the 2 and meals poisoning is a real risk. If it’s a must to pay a go to to the hospital since you caved for one of the Perro Caliente Colombiano scorching canine (and you’ll eat one), your travel insurance will cowl your medical prices.

4. You Fall Sufferer to Altitude Illness

In the event you’re vulnerable to altitude illness, you’ll need to be coated for it together with your Colombia journey insurance coverage

In case you are planning to visit anyplace in Colombia that’s larger up within the Andes, you’ll need to prepare for attainable altitude sickness. Bogotá, for example, sits at 8,660 ft above sea degree. Locals there’ll inform you to drink a whole lot of water to stay hydrated. You may even take over-the-counter drugs to stop altitude illness. And, in case you start feeling nauseous or get a headache, some locals will probably offer you coca leaves (uncooked but protected material from the cocaine plant) to chew to deal with your signs.

However, despite all the preparation and residential cures out there, if your altitude sickness worsens, it will possibly (and sometimes does) result in a hospital visit. Travel insurance coverage will cover your medical prices.

5. You Have an Accident Making an attempt Journey Sports activities in Colombia

<img data-attachment-id="8273" data-permalink="https://travelfreak.net/paragliding-in-medellin/paragliding-selfie/" data-orig-file="https://s29823.pcdn.co/wp-content/uploads/2015/03/paragliding-selfie.jpg" data-orig-size="1600,1066" data-comments-opened="1" data-image-meta=""aperture":"0","credit score":"","digital camera":"","caption":"","created_timestamp":"zero","copyright":"","focal_length":"0","iso":"0","shutter_speed":"zero","title":"","orientation":"0"" data-image-title="Paragliding Selfie!" data-image-description="

Paragliding Selfie!

” data-medium-file=”https://s29823.pcdn.co/wp-content/uploads/2015/03/paragliding-selfie-600×400.jpg” data-large-file=”https://s29823.pcdn.co/wp-content/uploads/2015/03/paragliding-selfie-900×600.jpg” class=”size-large wp-image-8273″ src=”https://s29823.pcdn.co/wp-content/uploads/2015/03/paragliding-selfie-900×600.jpg” alt=”Paragliding Selfie!” width=”900″ peak=”600″ />Paragliding selfie!

Colombia has some actually nice journey sport options—paragliding, kitesurfing, motorsports, and so forth. If in case you have an accident, these are the type of activities that may shortly run up a hospital bill. If you want to attempt some excessive sports in Colombia, make sure that your journey insurance coverage choices covers your particular sports activities, too.

6. You Need Medical Evacuation in Colombia

<img data-attachment-id="28194" data-permalink="https://travelfreak.net/travel-medical-and-emergency-medical-evacuation-insurance/travel-medical-and-emergency-medical-evacuation-insurance-2/" data-orig-file="https://s29823.pcdn.co/wp-content/uploads/2018/06/travel-medical-and-emergency-medical-evacuation-insurance.jpg" data-orig-size="1582,1048" data-comments-opened="1" data-image-meta=""aperture":"0","credit score":"","digital camera":"","caption":"","created_timestamp":"zero","copyright":"","focal_length":"0","iso":"zero","shutter_speed":"zero","title":"","orientation":"1"" data-image-title="Emergency room" data-image-description="

emergency room signal outdoors a hospital

” data-medium-file=”https://s29823.pcdn.co/wp-content/uploads/2018/06/travel-medical-and-emergency-medical-evacuation-insurance-600×397.jpg” data-large-file=”https://s29823.pcdn.co/wp-content/uploads/2018/06/travel-medical-and-emergency-medical-evacuation-insurance-800×530.jpg” class=”size-large wp-image-28194″ src=”https://s29823.pcdn.co/wp-content/uploads/2018/06/travel-medical-and-emergency-medical-evacuation-insurance-800×530.jpg” alt=”emergency room sign outdoors a hospital” width=”800″ peak=”530″ />Visiting an emergency room overseas is not any fun

Colombia’s major cities like Medellín and Bogotá have some unimaginable hospitals, but a big part of the country continues to be very rural. With the Andes Mountains, getting to the closest hospital can be a serious problem. Medical evacuation by aircraft or helicopter in Colombia is dear, nevertheless it might easily be a life-or-death necessity. Travel insurance coverage will assist cowl the fee (or a number of the value) of your evacuation.

7. Political Violence Arises in Colombia

<img data-attachment-id="31898" data-permalink="https://travelfreak.net/8-reasons-you-need-travel-insurance-for-colombia/police-colombia/" data-orig-file="https://s29823.pcdn.co/wp-content/uploads/2019/03/police-colombia.jpg" data-orig-size="1600,1200" data-comments-opened="1" data-image-meta=""aperture":"zero","credit":"","digital camera":"","caption":"","created_timestamp":"zero","copyright":"","focal_length":"zero","iso":"zero","shutter_speed":"0","title":"","orientation":"zero"" data-image-title="Police stand in riot gear" data-image-description="

Police stand in riot gear

” data-medium-file=”https://s29823.pcdn.co/wp-content/uploads/2019/03/police-colombia-600×450.jpg” data-large-file=”https://s29823.pcdn.co/wp-content/uploads/2019/03/police-colombia-800×600.jpg” class=”size-large wp-image-31898″ src=”https://s29823.pcdn.co/wp-content/uploads/2019/03/police-colombia-800×600.jpg” alt=”Police stand in riot gear with their backs to the wall” width=”800″ peak=”600″ />Political violence is unlikely, however not unimaginable

Colombia just lately signed a peace agreement with the FARC guerrilla group. This guerrilla group was concerned within the persevering with Colombian armed battle from 1964 to 2017, using a lot of army techniques and terrorism. Whereas Colombia is far safer now because of this agreement, there are still army teams inflicting occasional violence.

These violent political issues might require or compel you to cancel your journey. When you’re already there, political violence might cause you to need to head house early. Travel insurance will reimburse you for a canceled trip beneath these circumstances, and it will provide help to cowl the costs of calling it early.

8. The Venezuela Crisis Exacerbates

<img data-attachment-id="31899" data-permalink="https://travelfreak.net/8-reasons-you-need-travel-insurance-for-colombia/venezuela-protest/" data-orig-file="https://s29823.pcdn.co/wp-content/uploads/2019/03/venezuela-protest.jpg" data-orig-size="1600,1039" data-comments-opened="1" data-image-meta=""aperture":"0","credit score":"","digital camera":"","caption":"","created_timestamp":"zero","copyright":"","focal_length":"zero","iso":"0","shutter_speed":"zero","title":"","orientation":"zero"" data-image-title="A group of people in a square in Venezuela" data-image-description="

A gaggle of individuals in a sq. in Venezuela

” data-medium-file=”https://s29823.pcdn.co/wp-content/uploads/2019/03/venezuela-protest-600×390.jpg” data-large-file=”https://s29823.pcdn.co/wp-content/uploads/2019/03/venezuela-protest-800×520.jpg” class=”size-large wp-image-31899″ src=”https://s29823.pcdn.co/wp-content/uploads/2019/03/venezuela-protest-800×520.jpg” alt=”A gaggle of people in a sq. in Venezuela” width=”800″ peak=”520″ />Issues are unstable in Venezuela proper now, and some of it’s spilling over into Colombia

Talking of sudden increases in violence, getting Colombia travel insurance coverage is a particularly sensible transfer in the intervening time because of the Venezuela crisis. The civil points at present ongoing in Venezuela, which are spilling over throughout the Colombian border, are risky.

If the state of affairs continues to escalate, you may need to reschedule your trip or depart early in case you’re already there. Again, travel insurance will assist you cowl these sudden prices.

What Does Travel Insurance in Colombia Cover?

When you ought to all the time get journey insurance coverage, you need to do more than just purchase the first policy you see with out studying something about it. It is very important understand what exactly journey insurance will cover on your Colombia trip.

Every insurance coverage company and policy is just a little totally different. For that cause, we’ve outlined what bills most journey insurance corporations will cowl for you on a visit to Colombia.

Medical Emergencies

Some of the priceless parts of a travel insurance plan is the coverage for sudden medical emergencies. Seeing a physician for a abdomen bug in Colombia is comparatively low cost. In case you break a leg or worse although, you’ll be glad you will have Colombian journey insurance coverage.

What is covered beneath a medical emergency will differ a bit plan to plan. Generally, nevertheless, any unexpected medical situation can be coated—as long as it’s not a preexisting condition.

When you have an accident or get sick, journey insurance coverage will kick in to cowl hospital and physician payments in Colombia. Relying on the medical situation, the hospital and the insurance coverage plan, you may need to pay up front and get reimbursed later from the travel insurance firm.

That each one stated, emergency dental remedy is just not all the time coated. When you plan to do any harmful actions, like excessive sports, you may need to purchase further insurance coverage protection.

The typical travel insurance for Colombia ought to embrace $50,000 to $100,000 in medical emergency protection.

Emergency Evacuation

Colombia is a relatively protected place however, if in case you have an emergency, you may need to go away early.

Emergency evacuation is a broad term for a variety of conditions that your Colombia journey insurance might cowl.

First, in case you are harm or turn into sick in a rural a part of Colombia, you may need journey insurance coverage to cover the emergency medical transport to a close-by hospital. In Colombia, there are a selection of quite costly personal medical evacuation aircraft and helicopter corporations.

In case you are suffering a serious health problem, emergency evacuation will even assist cover the price of getting you residence to your personal docs. Colombia has credible medical docs, but when you will have major surgical procedure or rehab, you’ll need to head residence.

Typically emergency evacuation isn’t tied to a well being problem. Travel insurance coverage in Colombia may additionally come in useful if that you must be evacuated from an unsafe space. From flooding and mudslides to political points, having the choice to be evacuated in an emergency is necessary.

Average journey insurance for Colombia should embrace:

  • $100,000 to $500,000 in medical emergency evacuation protection
  • $10,000 to $25,000 in non-medical emergency evacuation protection (pure disasters, political violence, and so forth.)

Loss, Theft or Injury of Baggage

Like most trendy travelers, you in all probability journey with numerous valuables—your digital camera, telephone and perhaps a laptop. Add to the electronics your whole primary necessities like garments, and your baggage is probably fairly essential to you.

Having your bag(s) stolen, lost or broken is pretty horrible on any trip. In case you have journey insurance coverage though, you gained’t have to exchange the whole lot that you simply lose out of your personal pocket.

Travel insurance for Colombia will help cover the price of your lost gadgets as a consequence of theft. For instance, if someone steals your bag or if a pickpocket will get your telephone, insurance will cover the prices. It is vital that you simply get a police report, although, to back up your declare.

Travel insurance coverage may even help cowl the cost of misplaced baggage or gadgets. That stated, most insurance corporations will cowl gadgets only if you took “reasonable measures” to guard the property. In apply, this implies they gained’t cover one thing like “losing” your telephone at a nightclub if you have been consuming. They could cover a misplaced digital camera although if it fell out of your hand while paragliding, nevertheless.

Common travel insurance coverage for Colombia ought to embrace:

  • $500 to $three,000 in misplaced or stolen baggage/personal gadgets protection
  • $100 to $800 in baggage delay protection

Trip Cancellation, Delay or Interruption

Even the best-laid plans can go awry. Regardless of how nicely you propose your trip to Colombia, things may occur which are simply past your control. Fortunately, your Colombia travel insurance will kick in that will help you.

Your journey insurance will cover pay as you go, non-refundable expenses if it’s a must to cancel your trip for certain coated issues (you’ll be able to’t just cancel for any previous cause and anticipate reimbursement). Coated cancelation causes embrace deaths in your instant family, pure disasters and even a sick journey companion, among different reasons that forestall you from touring. The coated bills may embrace, for instance, your lodge rooms, tours and flights.

The identical issues which may cause a trip cancellation might trigger a trip interruption. Trip interruption only applies in the event you’ve already departed for Colombia. If it is advisable go house unexpectedly, your travel insurance often covers non-refundable expenses.

Typically a trip doesn’t must be utterly canceled, however you’re delayed in touring. If this occurs as a result of something like an extended flight delay, travel insurance will assist cover sudden prices. These bills embrace rebooking a lodge or a tour that you will miss because of the delay.

Common journey insurance coverage for Colombia should embrace:

  • $2,000 to $10,000 in journey cancellation coverage
  • $2,000 to $10,000 in trip interruption protection
  • $500 to $2,000 in trip delay coverage

The Greatest Travel Insurance for Colombia

There are lots of choices for journey insurance for Colombia. Depending on what you need coated, your age and your travel fashion, you possibly can select amongst a lot of plans.

Listed here are three of our favourite choices.

1. World Nomads

World Nomads is a pacesetter in the travel insurance area, and easily our most popular choice. With in depth protection and the power so as to add additional insurance for excessive sports activities, World Nomads is an ideal choice.

World Nomads set itself aside by providing 24/7 emergency help and protection for over 150 adventure actions, from bungee jumping to mountain biking. Plus, in contrast to many corporations that require you to purchase insurance coverage plans earlier than you depart, you should purchase a World Nomads plan when you’re already on the street.

Just fill out the form under to get a quote!

2. Allianz

Allianz is another good journey insurance coverage choice in Colombia. The insurance coverage firm has a robust presence already in Colombia with native workplaces. And, if it’s any consolation, in 2017 alone, 35 million People bought insurance from Allianz International Assistance.

With Allianz, you possibly can choose between Single Trip Plans and Annual Plans that cover a number of journeys. You may also get your self protection for your rental automotive. The very primary single trip plan, for example, consists of journey cancellation and interruption advantages, in addition to limited post-departure benefits like emergency medical coverage and lost/damaged baggage advantages.

3. IM International

Not all journey insurance coverage in Colombia will cowl travelers over the age of 65. IM International, nevertheless, covers these 65 to 70 years previous.

IM International’s most popular plan is the Patriot Travel Medical Insurance, which covers travel medical insurance coverage for individuals, families and teams. It’s renewable as much as 24 months. And it presents deductible choices from $0 to $2,500, with most limits from $50,000 to $2,000,000. Coverage consists of medical expenses, evacuation and repatriation, so you possibly can have peace of mind whereas traveling.

Tips on how to File a Claim with Your Travel Insurance if Something Goes Fallacious in Colombia

With a bit of luck, your trip to Colombia will go perfectly. If it doesn’t, nevertheless, it’s essential to know find out how to file a claim together with your travel insurance coverage.

Each travel insurance coverage company has a barely totally different course of for filing claims. Normally, it would be best to take note the following tips.

Observe: If it is a critical medical concern, name your travel insurance company immediately.

There’s often a 24-hour assistance hotline for such instances. By calling ahead, you will get info on what hospital is greatest to go to. Typically, you may as well get superior cost from the insurance coverage firm. That approach, you gained’t need to cowl every little thing out of pocket up entrance.

1. Get Police and/or Medical Stories

To say a stolen item, you will want to file a police report in Colombia. If you end up in the hospital for a medical difficulty, save your whole medical reviews. You should submit these to your journey insurance firm to again up your declare.

2. Save All of Your Receipts

You need to prove that something occurred with the police data and medical stories that you simply’ve collected. You can prove your expenses or loss with these saved materials. If something of yours is stolen, you’ll be able to even submit a replica of the original buy receipt—so make sure to all the time save receipts, too.

3. Submit the Claim On-line (or by Mail)

Most journey insurance coverage corporations will settle for claims online. Nevertheless, in the event that they need further info, you may need to mail in the unique receipts, police studies, and so on.

Your filing process will differ relying on the journey insurance company you choose. When you’ve got any questions on submitting, you’ll be able to often discover a helpline on the corporate website.

Travel insurance coverage is all the time a should. And due to the present political conditions in and around Colombia, in addition to all the journey actions out there to you in the country, travel insurance is even more necessary.

Positive, Colombia is safer now than it has been in many years. But political violence, pure disasters, sicknesses, emergencies and just plain dangerous luck can nonetheless happen. With travel insurance in Colombia, you may be ready regardless of how issues pan out.

Before you leap on a aircraft to Colombia, determine on a travel insurance coverage plan that’s proper for you. It’s straightforward to shop round, plans are reasonably priced and you haven’t any excuse not to get it.

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READ MORE:

Is it Protected to Travel to Colombia?

Is Travel Insurance REALLY Value It?

Paragliding in Medellin, Colombia

12 Sensible Ways Hold Your Stuff Protected When You Travel