Choosing insurance for a trip to Colombia
With the Covid pandemic, we now live in a different world in terms of health. And it is more than advisable to subscribe to a travel insurance to go to Colombia.
There are many questions that all travelers ask about whether or not you should take out travel insurance. But when the time comes when, unfortunately, we need it, it is already too late to ask these questions.
Here are all our tips to help you choose your insurance to go on a trip to Colombia.
Poster “La Bici”
Treat yourself to our illustrated poster
Each insurance contract is different and each insurance company has its specificities, this information is deliberately general and is given for information only. It is your responsibility to find out from your insurance company the exact terms of coverage in the cases below.
Which travel insurance to choose
You have decided to take out travel insurance for your next trip to Colombia? Here is a small table that will help you start your search and compare companies which offer interesting contracts for travellers.
We have chosen to quickly present you the offers of 3 serious travel insurance companies and famous. You will see that each of the companies has its advantages and disadvantages, it will depend on the duration of your trip, the reimbursement ceilings offered, etc.
This painting is just one very small overview of the supportsit’s up to you to continue the search, contact these companies to talk about your project and get a tailor-made quote!
|– 3 months||Cape Assistance||Backpacker Insurance||Globe Partner Contract|
|+ 3 months||Cape Adventure||Marco Polo|
|covid||Exclusive guarantees related to Covid-19 before or during your trip.||Coverage of Covid (medical expenses, repatriation, extension of stay, visit of a relative, early return)||Epidemics & Covid-19: medical expenses, hospitalization and assistance|
|Hospi fees||up to €200,000||up to €300,000||up to €150,000|
|Luggage||up to 3000 € including during the trip||up to 2000 €||up to 1150 € only related to flights|
|LEARN MORE||LEARN MORE||LEARN MORE|
If you are still unsure, we have prepared an FAQ to help you make your decision.
What is travel insurance for?
Travel insurance is a contract that will cover the unexpected during your trip. This can be small medical expenses, hospitalization or even repatriation.
He is advice to take out travel insurance (and sometimes even mandatory) before leaving, because abroad Social Security does not work in the same way as in France, and the cost of care can quickly explode your budget.
here are the main warranties covered by standard travel insurance. Guarantees may vary depending on the contracts and options chosen.
Current medical expenses
when you have to go see a doctor for a concern that is not necessarily urgent, but which requires care (a cold, flu, etc.)
When you’ve been victim of an accident and that you must be treated quickly.
When you pass more than 24 hours in hospital, following an accident or illness. In this case, the insurance often takes care of your care directly, without you needing to advance the costs.
If your state of health requires your return to your country of origin
When you have caused damage to property and/or bodily injury to a third party unintentionally. Typical example: you knock down a passer-by while you are on a bicycle. This passerby will need care, which your travel insurance can cover. Attention on the other hand, it rarely concerns road accidents.
Most insurance contracts include a guarantee related to the loss of luggage.
With the Covid 19 pandemic, travel insurance companies have had to deal with new issues and put in place new guarantees related to the health situation world.
Today, most travel insurance companies offer special cover related to Covid. The guarantees are always conditioned by proof that you have tested positive for Covid 19.
According to the contractsthe Covid guarantee can cover the medical expenses, hospitalizations, repatriations, extensions of stay, visit of a relative, early return…
Some insurance companies offer “cancel” option who bears the cost of canceling your trip if you contract Covid before your departure or if a member of your family is hospitalized or dies from Covid.
Particular risks in Colombia
Overall, if you are going on a trip, taking out travel insurance is a good idea, regardless of the country or the length of your stay. We will explain it to you, but it covers you in the event of illness, bodily injury, loss of luggage, etc.
Colombia has some health risks which require special attention (mosquitoes, yellow fever, water that is not always drinkable, extreme heat on the coast, mountain sickness due to the altitude, encounters with more or less friendly animals, etc.).
Choose your travel insurance
There is no better travel insurance, just the one that suits your needs. To find it, all you have to do is ask yourself the right questions:
- How long is my trip?
- What are my destinations?
- What types of activities will I do there (high mountain hikes, scuba diving, extreme sports, etc.)?
- Am I accompanied by children?
Little by little, you will see your needs taking shape and therefore the insurance that suits you.
To find your way around the exceptions, deductibles, etc., here are the important points to pay attention to before choosing your travel insurance.
Support from the 1st euro
It is very important that your insurance contract supports you from the first euro spent, and not in addition to Social Security. This allows you to avoid long and tedious procedures to obtain your reimbursements.
Deductible and waiting period
The deductible is the amount that will not be reimbursed. The waiting period is a period during which the insurance does not work. So prefer a contract that has no no deductible or waiting period.
Ceiling on medical expenses
Good travel insurance should be able to cover significant medical costs if needed. It therefore takes a ceiling of at least €100,000.
Ask the advisor all the practical questions that might cross your mind, this will allow you to unearth the small details that are important. All travel insurance has exclusions. Read it before subscribing so as not to have any unpleasant surprises.
24/24 assistance in case of problem
This is essential ! Good insurance necessarily has an assistance platform available 24/7. It is therefore essential to ensure that the insurance you choose can be contacted at any timefor any advice or emergency.
Health and hospitalization guarantees
If I fall ill and have to be hospitalized, do I have to advance the costs? Will I be fully refunded? What are the formalities for this? What is the average repayment period? If I have supporting documents in Spanish, do I need to have them translated? And all the possible questions that we can ask ourselves, that’s the heart of the matter!
Basic medical care that does not require hospitalization
This may concern a consultation with a doctor for a cold or a visit to the hospital that does not require hospitalization, such as for a sprained ankle for example. In this case most of the time you will need advance the costs and keep all the documents relating to your treatment with you. Invoices of course, but also medical reports, proof of payment, test results, prescriptions… Even if the documents are in Spanish, no problem there. Everything will have to be sent to your insurance for a reimbursement request.
When hospitalization is necessary
You have suffered a serious injury or contracted an illness that requires hospitalization for more than 24 hours: you must contact the support platform as soon as possible your insurance to inform them of the situation. If you are unable to do so, an accompanying person can take care of it. Talk to those around you so that the people traveling with you are aware of this important step. In most of the cases, this will allow the insurance to take over and avoid you having to advance the costs.
The baggage handling lost is different depending on the contract chosen, but it is one of the most highlighted aspects in insurance contracts, because it often happens that your luggage is lost by the airlines.
You will have no trouble finding this information and most contracts offer financial assistance with however more or less high ceilings. But often more than enough to be able to buy some things to get the trip off to a good start.
Theft or loss cover
Ok, travel insurance sounds great when it comes to health issues and baggage issues. What’s happening if I lose or have a valuable item stolen during my trip ?
In most cases the theft of multimedia equipment is not covered or else subject to a ceiling. Here, each contract has its own specificities, so it is better to inquire beforehand.
In case of loss of means of payment, some contracts offer a cash advance which can make it possible to start the process to redo the stolen papers.
Repatriation is a joint decision between the doctor on site, the medical adviser of the insurance and the patient (when possible). It intervenes in the event that the insured can no longer continue his trip due to a health problem.
It can be not serious, like for example a backpacker who has broken his leg and who is going to have long months of rehabilitation. This can of course be much more dramatic, in the event that the state of health is serious and requires a rapid return to the country of origin. It’s every time a decision made on a case-by-case basis.
Canceled or delayed flight cover
Most travel insurance do not offer this kind of guarantee. This will be to do directly with the airline that issued the plane ticket to you.
Car rental guarantee
Most travel insurance does not include no car liability.
Concretely, this means that in the event of a car accident, the insured’s health costs will be covered under the contract, but damage caused to third parties will not be covered : people injured or vehicle damaged.
That’s why we always advise you if you rent a car in Colombia to take the maximum protection with the lessor.
Cover for sequelae following an accident
In the event of permanent disability following an accident, certain insurance contracts can pay you a lump sum. Each company will have different ceilings. But it will remain a fixed amount and not a possible monthly indemnity for life. If the incapacity is partial (affects only one member for example) then it is possible that only a percentage of this capital will be paid.
Thanks to Shanone from ACS for helping us answer these questions