Peru travel insurance: You may need one when traveling to Peru

Travel insurance

Peru is a lovely destination for travelers from all around the world. One question many of the several visitors to Peru usually ask is whether travel insurance is mandatory there or not. 

We will be answering this and many other questions that relate to traveling to Peru in this article. 

Do I need travel insurance for Peru? 

Though not mandatory by Peruvian laws, travelers heading for Peru are highly advised to purchase travel insurance policies with comprehensive coverage to secure themselves during their trip. 

Comprehensive insurance policies will cover the traveler’s medical treatment charges and reimburse them in case they lose their luggage or run into an emergency that’ll require that they cancel the trip. 

How much is travel insurance to Peru? 

There is no one answer to this question. This is because there are different individual factors that affect the cost of travel insurance policies and these factors vary from person to person.

There is no standard cost for all travel insurance packages because the policies are priced using a percentage of the total cost of your trip. The percentage usually lies between 4% and 12%.

Other factors that affect the cost of your travel insurance include the duration of your trip and how much coverage you want your policy to have. 

What is the best travel insurance to go with?

Full medical treatment coverage, luggage loss coverage, and reimbursement for canceled, interrupted, or delayed trips make up the characteristics of excellent travel insurance. All of this must also be provided to travelers at competitive price ranges. 

So far, the best company known to provide travelers with this kind of policy is Travelex Travel Insurance. Travelex is an international organization that has been ranked as the overall best of all travel insurance companies several times. 

Allianz Travel Insurance is also a close competitor of Travelex. 

Is it really worth getting travel insurance?

Travel insurance caters to the expensive costs of medical treatment for foreigners in countries like Peru. It also saves you as a traveler from the frustrating challenges the loss of your luggage could pose and grants you a refund on canceled or delayed trips.

Buying travel insurance gives you all this value for only about 5% or 6% of your trip’s total cost. A pretty great deal if you ask me. 

Is travel insurance more expensive closer to the trip?

Travel insurance does not cost any higher the last minute than it does 30 days before the departure date for your trip. Whether you purchase your insurance a whole month prior to the trip or only 24 hours before the trip is due, the price of your insurance policy will not be affected in any way. 

This is not to say that buying travel insurance early does not have its own benefits. Travelers who purchase their insurance immediately after making a financial commitment to their trip stand to enjoy some amazing bonuses and discounts that are not available to those who purchase theirs at a later time. 

What is usually covered by travel insurance?

There are three main things that standard travel insurance usually covers. They are as follows:

Medical health care: Travel insurance covers all of a traveler’s health-related issues. These include the cost of emergencies, check-ups, and drug prescriptions during the trip. The insurance usually covers only health complications that the traveler did not have prior to the trip unless otherwise discussed with the insurer. 

Loss of luggage: Luggage loss is one of the most common downsides of air travel. There are a plethora of missing luggage reports every year. In case you happen to face this unfortunate occurrence, your travel insurance will quickly step in to cover the cost once you file a claim. 

Trip cancelation or delay: The final thing usually covered by a comprehensive travel insurance policy is canceled or delayed trips. If there’s a serious unforeseen event that prevents you from making your trip, your travel insurance will cover you with a refund for the canceled trip. 

The common acceptable reasons for trip cancelations are severe medical issues that make a traveler unfit to travel or the death of the traveler, their travel companion, or a close relative.


Traveling to Peru itself is a wonderful experience. But there’s nothing that ruins a perfect trip than financial challenges bred from unpleasant unforeseen circumstances.

The best way to protect yourself over the duration of your trip is by getting travel insurance. 

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