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How to Pick the Right Travel Insurance for Visiting Colombia

Colombia has been on your radar for a very long time, and also you’re lastly making moves to go. However have you ever purchased journey insurance for Colombia?

You’ve already taken some Spanish lessons to put together your self, and also you’ve acquired all your vital 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 each restaurant in Medellín’s El Poblado, and also you’ll climb all 740 steps up the famous Guatapé rock. Oh, and you may’t wait to hike amongst the tallest palm timber in the world in Salento.

Now the straightforward part is getting yourself travel insurance. And, since you’re touring to Colombia, you want it. Whereas Colombia is a comparatively protected country to journey, there are a mess of the reason why travel insurance coverage continues to be key.

  • Travel insurance coverage for your Colombia journey will provide you with peace of thoughts. The very last thing you need to do whereas traveling someplace new is to be worrying about something aside from having fun with yourself. With travel insurance coverage, no matter what occurs—medical issues, theft, travel delays—you possibly can loosen up understanding you’re coated.
  • Travel insurance coverage will value solely a small fraction of the complete journey value. Give up the excuse that “travel insurance is too expensive.” The reality is that, should you can’t afford travel insurance, you’ll be able to’t afford to journey.
  • You in all probability can’t afford to not have travel insurance in Colombia. Whereas medical costs in the country are relatively low, medical transport isn’t. And what if somebody steals your bag? Might you afford to substitute every thing inside on prime of the worth of your trip?
  • Travel insurance coverage offers you the confidence to really take pleasure in your trip. Eat the road meat, go paragliding and take mototaxis around. Probably, nothing dangerous will happen but, if one thing does go awry, you’ll be prepared.

You might have loads of great journey insurance options for Colombia—but there’s so much you want to think about when shopping for a plan.

What Is Travel Insurance?

Travel insurance coverage is a bit like the medical insurance you’re in all probability already acquainted with. The primary difference is that journey insurance is designed to cover medical emergencies abroad as well as your travels themselves. Meaning you’re coated in case your the sufferer of theft or in case you have to cancel your flights (or whole journey!) due to an emergency.

The truth is, you will typically want both a medical insurance plan and journey insurance since your medical insurance at house gained’t cowl the similar issues abroad.

Primarily, journey insurance coverage is further insurance coverage that covers any medical emergencies and sudden incidents when you’re on the street, where your common insurance coverage gained’t necessarily assist. It covers your property from theft, loss and/or injury and offers trip cancelation/interruption insurance as nicely.

How Does Travel Insurance Differ from Common Well being Insurance?

It’s necessary to recognize that travel insurance is just not regular medical insurance.

The journey insurance plan you purchase for Colombia, for instance, will supply medical protection. But this protection just isn’t for regular doctor checkups. It covers any attainable accidents, sicknesses and points you may unexpectedly encounter on your journey (not at residence).

<img data-attachment-id="31965" data-permalink="" data-orig-file="" data-orig-size="1600,1067" data-comments-opened="1" data-image-meta=""aperture":"0","credit":"","digital camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"zero","iso":"0","shutter_speed":"zero","title":"","orientation":"zero"" data-image-title="Crossing a river in Colombia" data-image-description="

Two individuals and a small baby crossing a gushing stream

” data-medium-file=”×400.jpg.optimal.jpg” data-large-file=”×534.jpg.optimal.jpg” class=”size-large wp-image-31965″ src=”×534.jpg.optimal.jpg” alt=”Two individuals and a small baby crossing a gushing stream” width=”800″ peak=”534″ />Regular medical insurance doesn’t cowl journey actions whenever you’re overseas!

In addition to overlaying medical emergencies, journey insurance coverage additionally often comes with medical repatriation. Which means the insurance coverage will cover the value (or a great chunk of the value) to fly you back house for medical care in your personal nation. It won’t cover your medical care when you’re again house—that’s what your medical insurance plan at house is for.

Comparable to householders’ insurance, journey insurance will often cover the possessions you’re taking in your trip, as nicely. In case your bag gets stolen in Colombia, journey insurance coverage will kick in and canopy the value to exchange your gadgets.

What when you injury someone else’s property or harm someone by accident in Colombia? Good travel insurance coverage will even often have some legal responsibility coverage for such points that different insurances gained’t cover.

Moreover, in addition to medical and property coverage, journey insurance will even help in the case of an sudden journey cancellation or interruption. You may need to cancel your journey because of a dying in the household, for example. Or if there is a pure disaster or a violent attack in Colombia, you may want to interrupt your journey and head residence early. Travel insurance will reimburse you for prices in conditions like these, which different insurance gained’t cover.


8 Causes You May Want Travel Insurance for Colombia

Regardless of where you travel, you need journey insurance. In Colombia, particularly, it will probably are available really useful. From medical payments to journey cancelations to stolen gadgets, these eight causes might spoil the trip you’ve been dreaming of.

1. Your Stuff Goes Missing

With journey insurance in Colombia, you gained’t have to stress so much if something goes lacking. Whether the airline loses your bag or a pickpocket gets your telephone, insurance coverage might help cowl the prices to exchange the misplaced gadgets.

2. You Need to Cancel Your Journey

No one ever needs to cancel a trip but typically issues come up. Should you want to cancel your Colombia trip due to a well being difficulty or one other coated purpose, journey insurance coverage might help. An excellent coverage will reimburse you for pre-paid expenses like lodge rooms and flights.

3. You Get Meals Poisoning in Colombia

<img data-attachment-id="31901" data-permalink="" data-orig-file="" data-orig-size="1600,1067" data-comments-opened="1" data-image-meta=""aperture":"zero","credit score":"","digital camera":"","caption":"","created_timestamp":"zero","copyright":"","focal_length":"zero","iso":"0","shutter_speed":"zero","title":"","orientation":"zero"" data-image-title="A food vendor selling cakes in Colombia" data-image-description="

A food vendor promoting muffins in Colombia

” data-medium-file=”×400.jpg.optimal.jpg” data-large-file=”×534.jpg.optimal.jpg” class=”size-large wp-image-31901″ src=”×534.jpg.optimal.jpg” alt=”a lady sells desserts in the road in Colombia ” width=”800″ peak=”534″ />Road food is tasty, however it comes with dangers!

While tap water is okay to drink in most main cities, it’s quite a bit less regulated in rural areas. Plus, there are meat sticks grilling on every nook—they usually’re onerous to flip down. Mix the two and meals poisoning is a real risk. When you have to pay a go to to the hospital because you caved for one in every of the Perro Caliente Colombiano scorching canine (and you will eat one), your journey insurance coverage will cowl your medical costs.

four. You Fall Sufferer to Altitude Illness

Should you’re susceptible to altitude sickness, you’ll want to be coated for it together with your Colombia journey insurance

In case you are planning to visit anyplace in Colombia that’s greater up in the Andes, you’ll want to prepare for attainable altitude sickness. Bogotá, for example, sits at eight,660 ft above sea degree. Locals there’ll inform you to drink a number of water to stay hydrated. You may even take over-the-counter drugs to forestall altitude illness. And, should you begin feeling nauseous or get a headache, some locals will probably give you coca leaves (raw however protected materials from the cocaine plant) to chew to deal with your signs.

However, despite all the preparation and residential cures obtainable, in case your altitude illness worsens, it could possibly (and sometimes does) lead to a hospital visit. Travel insurance coverage will cowl your medical costs.

5. You Have an Accident Making an attempt Adventure Sports in Colombia

<img data-attachment-id="8273" data-permalink="" data-orig-file="" data-orig-size="1600,1066" data-comments-opened="1" data-image-meta=""aperture":"0","credit":"","digital camera":"","caption":"","created_timestamp":"zero","copyright":"","focal_length":"zero","iso":"zero","shutter_speed":"zero","title":"","orientation":"zero"" data-image-title="Paragliding Selfie!" data-image-description="

Paragliding Selfie!

” data-medium-file=”×400.jpg.optimal.jpg” data-large-file=”×600.jpg.optimal.jpg” class=”size-large wp-image-8273″ src=”×600.jpg.optimal.jpg” alt=”Paragliding Selfie!” width=”900″ peak=”600″ />Paragliding selfie!

Colombia has some really great adventure sport choices—paragliding, kitesurfing, motorsports, and so on. When you have an accident, these are the sort of activities that can shortly run up a hospital invoice. If you need to attempt some extreme sports in Colombia, make sure that your journey insurance options covers your particular sports activities, too.

6. You Need Medical Evacuation in Colombia

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

7. Political Violence Arises in Colombia

<img data-attachment-id="31898" data-permalink="" data-orig-file="" data-orig-size="1600,1200" data-comments-opened="1" data-image-meta=""aperture":"zero","credit":"","digital camera":"","caption":"","created_timestamp":"zero","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0"" data-image-title="Police stand in riot gear" data-image-description="

Police stand in riot gear

” data-medium-file=”×450.jpg.optimal.jpg” data-large-file=”×600.jpg.optimal.jpg” class=”size-large wp-image-31898″ src=”×600.jpg.optimal.jpg” alt=”Police stand in riot gear with their backs to the wall” width=”800″ peak=”600″ />Political violence is unlikely, but not unimaginable

Colombia just lately signed a peace settlement with the FARC guerrilla group. This guerrilla group was involved in the continuing Colombian armed battle from 1964 to 2017, using numerous army techniques and terrorism. Whereas Colombia is far safer now thanks to this agreement, there are nonetheless army teams causing occasional violence.

These violent political issues might require or compel you to cancel your trip. In the event you’re already there, political violence might trigger you to want to head residence early. Travel insurance coverage will reimburse you for a canceled trip beneath these circumstances, and it’ll enable you to cover the costs of calling it early.

8. The Venezuela Crisis Exacerbates

<img data-attachment-id="31899" data-permalink="" data-orig-file="" data-orig-size="1600,1039" 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 group of people in a square in Venezuela" data-image-description="

A gaggle of people in a sq. in Venezuela

” data-medium-file=”×390.jpg.optimal.jpg” data-large-file=”×520.jpg.optimal.jpg” class=”size-large wp-image-31899″ src=”×520.jpg.optimal.jpg” alt=”A gaggle of people in a sq. in Venezuela” width=”800″ peak=”520″ />Issues are unstable in Venezuela proper now, and a few of it’s spilling over into Colombia

Speaking of sudden increases in violence, getting Colombia journey insurance is a particularly clever move at the second due to the Venezuela crisis. The civil points presently ongoing in Venezuela, that are spilling over throughout the Colombian border, are risky.

If the state of affairs continues to escalate, you may want to reschedule your trip or depart early in the event you’re already there. Once more, journey insurance will show you how to cover these sudden prices.

What Does Travel Insurance in Colombia Cover?

When you ought to all the time get journey insurance coverage, you want to do more than simply purchase the first coverage you see without reading something about it. It’s important to perceive what precisely journey insurance coverage will cowl on your Colombia trip.

Each insurance company and policy is a bit of totally different. For that cause, we’ve outlined what expenses most journey insurance corporations will cowl for you on a trip to Colombia.

Medical Emergencies

One in every of the most beneficial parts of a journey insurance plan is the protection 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 though, you’ll be comfortable you’ve got Colombian journey insurance coverage.

What is covered underneath a medical emergency will range a bit plan to plan. Normally, nevertheless, any unforeseen medical difficulty shall be coated—so long as it’s not a preexisting situation.

When you’ve got an accident or get sick, journey insurance coverage will kick in to cover hospital and physician payments in Colombia. Depending on the medical problem, the hospital and the insurance coverage plan, you may need to pay up front and get reimbursed later from the journey insurance firm.

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

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

Emergency Evacuation

Colombia is a comparatively protected place however, when you’ve got an emergency, you may need to depart early.

Emergency evacuation is a broad term for loads of situations that your Colombia journey insurance might cover.

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palm timber bending in the wind in Colombia

” data-medium-file=”×400.jpg.optimal.jpg” data-large-file=”×534.jpg.optimal.jpg” class=”size-large wp-image-31968″ src=”×534.jpg.optimal.jpg” alt=”palm timber bending in the wind in Colombia” width=”800″ peak=”534″ />Shock storm isn’t unusual in this part of the world

First, in case you are harm or turn out to be sick in a rural part of Colombia, you may want journey insurance to cover the emergency medical transport to a close-by hospital. In Colombia, there are a selection of fairly expensive personal medical evacuation aircraft and helicopter corporations.

In case you are struggling a serious health problem, emergency evacuation may also assist cowl the value of getting you house to your personal docs. Colombia has credible medical docs, but if you will have main surgical procedure or rehab, you’ll want to head residence.

Typically emergency evacuation isn’t tied to a health problem. Travel insurance coverage in Colombia may additionally come in useful should you need to 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 travel insurance coverage 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 vacationers, you in all probability journey with quite a lot of valuables—your digital camera, telephone and perhaps a laptop. Add to the electronics all your primary necessities like clothes, and your baggage is probably pretty essential to you.

Having your bag(s) stolen, lost or broken is fairly horrible on any trip. When you have travel insurance although, you gained’t have to substitute every thing that you simply lose out of your personal pocket.

Travel insurance for Colombia will help cover the value of your misplaced gadgets due to theft. For instance, if somebody steals your bag or if a pickpocket will get your telephone, insurance will cowl the prices. It will be significant that you simply get a police report, though, to again up your claim.

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

Average journey insurance coverage for Colombia ought to embrace:

  • $500 to $3,000 in misplaced or stolen baggage/private gadgets protection
  • $100 to $800 in baggage delay coverage

Trip Cancellation, Delay or Interruption

Even the best-laid plans can go awry. Regardless of how nicely you propose your journey to Colombia, things may occur which might be just beyond your control. Fortunately, your Colombia travel insurance coverage will kick in to provide help to.

Your journey insurance coverage will cover prepaid, non-refundable expenses when you’ve got to cancel your trip for sure coated points (you’ll be able to’t just cancel for any previous cause and anticipate reimbursement). Coated cancelation reasons embrace deaths in your fast family, pure disasters and even a sick travel companion, among other reasons that forestall you from traveling. The coated expenses may embrace, for instance, your lodge rooms, tours and flights.

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two beaches back to back in Colombia

” data-medium-file=”×400.jpg.optimal.jpg” data-large-file=”×534.jpg.optimal.jpg” class=”size-large wp-image-31966″ src=”×534.jpg.optimal.jpg” alt=”two seashores back to back in Colombia” width=”800″ peak=”534″ />Hopefully you gained’t have to miss out on epic scenes like this!

The same issues which may cause a visit cancellation might trigger a trip interruption. Journey interruption solely applies should you’ve already departed for Colombia. In the event you need to go residence unexpectedly, your travel insurance coverage often covers non-refundable bills.

Typically a trip doesn’t want to be utterly canceled, however you’re delayed in touring. If this happens due to one thing like an extended flight delay, journey insurance will assist cowl sudden costs. These expenses embrace rebooking a lodge or a tour that you’ll miss because of the delay.

Average journey insurance coverage for Colombia should embrace:

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

The Greatest Travel Insurance for Colombia

There are lots of options for travel insurance coverage for Colombia. Depending on what you need coated, your age and your travel fashion, you’ll be able to select amongst a lot of plans.

Listed here are three of our favorite options.

1. World Nomads

World Nomads is a pacesetter in the travel insurance area, and easily our most popular choice. With in depth coverage and the potential to add additional insurance for extreme sports, World Nomads is an ideal choice.

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

Simply fill out the type under to get a quote!

2. Allianz

Allianz is one other good travel insurance coverage choice in Colombia. The insurance coverage firm has a robust presence already in Colombia with native workplaces. And, if it’s any comfort, in 2017 alone, 35 million People purchased insurance coverage from Allianz International Help.

With Allianz, you’ll be able to select between Single Journey Plans and Annual Plans that cover a number of journeys. You can even get yourself coverage for your rental automotive. The very primary single journey plan, for instance, consists of journey cancellation and interruption advantages, as well as restricted post-departure advantages like emergency medical coverage and misplaced/damaged baggage benefits.

3. IM International

Not all travel insurance in Colombia will cover vacationers over the age of 65. IM International, nevertheless, covers these 65 to 70 years previous.

IM International’s hottest plan is the Patriot Travel Medical Insurance, which covers travel medical insurance for people, families and groups. It’s renewable up to 24 months. And it gives deductible options from $zero to $2,500, with maximum limits from $50,000 to $2,000,000. Coverage consists of medical expenses, evacuation and repatriation, so you possibly can have peace of thoughts whereas touring.

How to File a Declare with Your Travel Insurance if Something Goes Incorrect in Colombia

Hopefully, your trip to Colombia will go completely. If it doesn’t, nevertheless, it’s necessary to understand how to file a declare together with your journey insurance.

Every travel insurance coverage company has a barely totally different process for filing claims. Generally, you want to take into account the following tips.

Word: If it is a critical medical difficulty, call your travel insurance company immediately.

There’s often a 24-hour assistance hotline for such instances. By calling forward, you will get info on what hospital is greatest to go to. Typically, you can even get advanced cost from the insurance coverage firm. That approach, you gained’t have to cowl every part out of pocket up entrance.

1. Get Police and/or Medical Reviews

To say a stolen merchandise, you will want to file a police report in Colombia. If you end up in the hospital for a medical problem, save all your medical studies. You’ll have to submit these to your travel insurance coverage company to again up your claim.

2. Save All of Your Receipts

You will have to prove that one thing occurred with the police data and medical stories that you simply’ve collected. You’ll be able to show your bills or loss with these saved materials. If something of yours is stolen, you possibly can even submit a replica of the unique purchase receipt—so make sure to all the time save receipts, too.

three. Submit the Declare On-line (or by Mail)

Most journey insurance corporations will accept claims on-line. Nevertheless, in the event that they want further info, you may need to mail in the unique receipts, police reviews, and so forth.

Your submitting process will differ depending on the travel insurance coverage company you select. When you have any questions about submitting, you’ll be able to often find a helpline on the company website.

Travel insurance is all the time a must. And because of the current political situations in and around Colombia, in addition to all of the adventure actions out there to you in the country, journey insurance is even more necessary.

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

Before you leap on a aircraft to Colombia, determine on a journey insurance plan that’s right 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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