TRAVEL INSURANCE TO PERU
Travel insurance is compulsory in order to participate on any of our trips. When travelling on a trip with us, you will not be permitted to join the tour until evidence of travel insurance has been sighted by your leader or local operator, who will take note of your insurance details. When selecting a travel insurance policy we require that at a minimum you are covered for medical expenses including emergency repatriation. We strongly recommend that the policy also covers personal liability, cancellation, curtailment and loss of luggage and personal effects.
BUYING TRAVEL INSURANCE FOR PERU
The first thing to note is that regardless of how many names they may go under, all travel insurance policies breakdown into one of three product categories, namely:
BUNDLED TRAVEL INSURANCE POLICIES
CUSTOM TRAVEL INSURANCE POLICIES
FLEXIBLE TRAVEL INSURANCE POLICIES
As you might be able to imagine, each of these also has a difference in cost. Finding cheap travel insurance requires a bit of shopping and determining your exact needs.
BUNDLED TRAVEL INSURANCE FOR PERU
Bundled travel insurance is the type of insurance policy that most insurance salesmen try to sell you. The premium for this type of insurance typical costs between 6-8% of the vacation price; and the insurance policy generally covers such unexpected events as:
medical expenses - usual maximum liability is $10,000 USD emergency evacuation - under a bundles policy there is usually a maximum liability of $25,000 USD for any emergency evacuation policy accidental death insurance trip cancellation or trip interruption - which can include such precautions as trip cancellations due to your being laid-off baggage claim loss - which may also include emergency monetary assistance provision; and in the event that you want to take out a bundled travel insurance policy, you are usually required to do this a week to 10 days after you have purchased the trip in question.
CUSTOM TRAVEL INSURANCE FOR PERU
Similar in nature to bundled travel insurance, custom travel insurance however allows you to customize your travel insurance to cater for your exact travel needs. In effect this means that if you are off to hike the Inca Trail, Rafting in Apurimac River, or cycling on the high mountains of the Andes you can increase your medical expenses and evacuation coverage for such a specialized trip. In most cases custom travel insurance allows policyholders to double the limits that are usually found in bundled policies.
FLEXIBLE TRAVEL INSURANCE FOR PERU
Flexible travel insurance is a hybrid policy that is becoming increasingly popular. In effect a flexible travel insurance policy allows you to pick and chose parts of a bundled travel insurance that you want, and to discard parts that you don't want. The premium of the insurance policy is then set according to your needs. The reason why flexible travel insurance policies are becoming increasingly popular is because travelers are becoming more aware of the fact that they may be covered for certain circumstance under other pre-existing policies they already hold. For example, if a traveler already has health insurance, which covers any emergency health needs they may have when traveling they are unlike going to need this; as such, the elect to discard this part in their flexible policy.
Regardless of which insurance policy you decide to take out, give very careful consideration to what you think your needs are going to be during your holiday. Whilst none of us plans for unforeseen events whilst we are away from home, the old adage of "it's better to be safe than sorry" has a ring of truth about it!
If you have credit card insurance we require proof of purchase of the trip (a receipt of credit card statement) with a credit card in your name. Contact your bank for details of their participating insurer, the level of coverage and emergency contact telephone number.
For more information about the tour or you request a new date to departure for this tour, please contact us....
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