Travel Insurance for Peru
Machu Picchu and Lake Titicaca are just two of the wonders that draw travelers to Peru each year. There are numerous other sights to see as Peru is rich with Incan ruins, sand dunes, seabirds, marine life and so much more.
If you want to join the thousands of tourists who flock to the lovely country of Peru each year, you will want to learn how travel insurance can assist with certain unexpected accidents or mishaps that could spoil an amazing trip.
What Should Your Travel Insurance Cover for a Trip to Peru?
At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.
AXA Travel Protection plans are designed with these minimum recommended coverages in mind.
- Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.
- Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.
- Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.
- Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage.
- Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons. Exclusive to Platinum Plan holders.
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How Does Travel Insurance Work in the Peru?
Many visitors enjoy a tour to Vinicunca, commonly known as Rainbow Mountains, to see the colorful striations on the mountains. While this tourist site is generally safe, the high altitude can make it difficult for some tourists to breathe, especially for those who are not well-hydrated. High altitudes can cause unexpected health symptoms such as headaches, nausea or vomiting.
With an AXA Travel Protection plan, you get assistance with getting emergency care and navigating the medical system in Peru. The right guidance will allow you to resume your itinerary as soon as possible.
Here is how travelers can benefit from an AXA Travel Protection Plan:
- Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees.
- Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation.
- Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms.
- Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries.
- Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings.
- Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury.
- COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions.
- Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations.
Post-Departure Travel Benefits
- Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
- Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.
Additional Optional Travel Benefits
- Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft.
- Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy.
- Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures.
- Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.
Do I Need Travel Insurance for the Peru?
The Peruvian government does not require travelers to obtain travel insurance. Nonetheless, medical expenses can be quite expensive. Medicare and United States health insurance policies will not likely cover medical emergencies. For these reasons, an AXA Travel Protection Plan can take care of unexpected medical expenses.
Why? There are several reasons:
Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in New York, travel insurance offers the means to receive prompt and quality medical care.
Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.
Flight Delays: Travel disruptions like flight delays can happen. If you miss a connecting flight or incur additional expenses due to delays, travel insurance can help cover the costs.
How Much Does Travel Insurance Cost for Peru?
In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:
- Total Trip cost: The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.
- Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.
With AXA Travel Protection, travelers to Peru will be offered three tiers of insurance: Silver, Gold and Platinum. Each provides varying levels of coverage to cater to individual's preferences and travel needs.
Our Suggested AXA Travel Protection Plan
AXA presents travelers with three travel plans – the Silver Plan, Gold Plan, and Platinum Plan, each offering different levels of coverage to suit individual needs. Given that United Kingdom hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.
The Platinum Plan is a great choice if you are looking for extra coverage while traveling in Peru. It offers optional benefits such as "Cancel for Any Reason" coverage, which expands the trip cancellation coverage by allowing you to cancel your trip for any reason.
The Collision Damage Waiver covers losses such as collisions, theft or other damage to a rental car while sightseeing in Peru.
Golfers can take advantage of Lost Golf Rounds coverage with the Platinum Protection Plan if weather causes a cancellation in their golf game in Peru.
What Types of Medical Coverage Do AXA Travel Protection Plans Offer?
AXA covers three types of medical expenses:
- Emergency medical
- Emergency evacuation & repatriation
- Non-medical emergency evacuation & repatriation
Emergency medical: Can cover injuries or illnesses such as broken bones, sprains, or unexpected illnesses such as malaria, typhoid and yellow fever which are common risks in Peru.
Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.
Non-medical emergency evacuation and repatriation: Can cover expenses for non-medical emergencies as Peru is located on the Ring of Fire in the Pacific which is known for earthquakes and volcanic activity.
Are There Any COVID-19 Restrictions for Travelers to Peru?
No. Peru has dropped all COVID-19 restrictions for travelers from the United States.
Traveling with pre-existing Medical Conditions?
Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.
Our Gold and Platinum plans offer coverage for pre-existing medical conditions. The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,
What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation.
1.Can you buy travel insurance after booking a flight?
You can buy travel insurance even after your flight is booked.
2.When should I buy Travel Insurance to Peru?
It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.)
AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.
Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.
3.Do Americans need travel insurance in Peru?
No, travel insurance is not currently required to visit Peru.
4.What is needed to visit Peru from the USA?
If you are visiting Peru from the USA, all you need is your passport. Your passport needs to be valid at least six months beyond the date of your arrival. Immigration authorities may also require proof of return travel.
5.What happens if a tourist gets sick in Peru?
If you become sick in Peru, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.
Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved.
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