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Vibrant cities like Cartagena and Bogota are worth exploring, and there are endless stopovers and topics of interest to food and nature lovers. Medellin, Colombia, has also become popular with travelers who need to stop by Colombian cultural establishments like Parque Biblioteca España or marvel at the incredible street art around every corner.
If you are starting to plan a stopover in Colombia, purchase travel insurance some time after making your first vacation deposit. This can protect your investment and give you peace of mind to protect your property, fitness and well-being during your trip. vacation.
Foreign travelers who have been fully vaccinated against Covid-19 at least 14 days before the date of departure from their country, would possibly enter Colombia by presenting evidence of vaccination.
Unvaccinated travelers must present a negative PCR test result within 72 hours of arrival in Colombia. A negative antigen test result within 48 hours of arrival in Colombia also works.
There are no other access needs to Colombia, and insurance is not mandatory at this time.
Given the high prices of airfare and accommodation in Colombia, it makes sense to purchase travel insurance, even if it is not mandatory. holidays in Colombia.
Christina Tunnah, a spokeswoman for World Nomads, says bad weather can be a challenge in this part of the world. In addition, street crime and petty theft are unfortunate realities.
You want to make sure you have the right insurance policy for all the adventures you’re planning, from snorkeling in crystal clear waters to hiking in the middle of cloud forests.
The best insurance plans come with the following types of insurance to protect against unforeseen interruptions and complications:
You never know what can happen before your vacation in Colombia. If you want to cancel your vacation, trip cancellation benefits can help you recover non-refundable deposits.
Trip cancellation insurance reimburses you for prepaid expenses when your vacation wishes to be cancelled for a covered reason. Reasons covered generally include death or serious illness or injury, loss of tasks, family circle emergency, military deployment, terrorism, or excessive weather affecting airArray.
But not all conditions are covered through holiday cancellation insurance. For example, if you start worrying about the poor health of your vacation and need to cancel it, that wouldn’t be a covered reason.
For more flexibility when it comes to cancellation, you can upload the “cancellation for any reason” (CFAR) policy to your insurance plan. This will increase your insurance plan charge by about 50%, but give you the option to cancel your plans for any reason. All you want to do is do it at least 48 hours before the scheduled departure time. You can’t wait until the last minute to cancel.
CFAR’s policy comes with other limitations. For example, this policy usually reimburses 75% of your insured settlement fee while cancellation insurance reimburses 100%.
Let’s say you start your trip to Colombia, but your connecting flight in Miami is canceled due to excessive weather. If you are bothered by more than a few hours, your late payment may help.
Travel Delay Insurance will pay for any necessary additional expenses if your vacation is suspended for longer than the waiting period set out in your policy. The waiting period is normally six to 12 hours before your policy goes into effect. After this time, if your vacation is still delayed, you can claim reimbursement of other expenses, such as a meal, toiletries, taxi ride, and hotel stay.
The travel retention policy also reimburses you for prepaid expenses you lose due to a covered event. If your cancelled connecting flight means you will miss out on a non-refundable food excursion to Cartagena, you can file a claim with your travel insurance company.
Travel interruption insurance comes into play if your vacation is interrupted in a way that absolutely disrupts your plans. Sometimes you can be reimbursed up to 150% of the charge you secured if you want to shorten your vacation for an explanation of why it is stated in your policy.
Trip interruption benefits cover the cost of booking a last-minute one-way budget ticket and will also cover any non-refundable tours you miss by ending your trip early.
Travel insurance that protects your luggage can be helpful, especially since you may want to take flights to get to Colombia.
If your baggage is lost through a common carrier, such as your airline, lost baggage insurance can reimburse you for the depreciated price of your property. But it is vital to note that this policy is secondary. You’ll want to file a claim with the airline first.
The baggage loss policy can also be helpful if private belongings are stolen while traveling in Colombia. Just be sure to register a report with the hotel, tour operator, or local police, as your insurance company will ask you for documentation about the loss. Again, this policy is secondary, so you may want to file a claim with your home insurance company before turning to your insurance.
Baggage retention insurance can also be a smart investment. This type of policy reimburses you for unforeseen expenses that occur while you wait for your delayed luggage to arrive. For example, if you had to wait 24 hours for your luggage to arrive in Colombia, you’ll want to buy clothes and toiletries just to survive.
Your airline may also offer a refund in case of delay. Please refer to the Ministry of Transport’s Consumer Control Panel for more details.
Tunnah says one of the main reasons to purchase insurance is to get medical insurance and medical evacuation coverage. He adds that, in many cases, foreign hospitals will not treat the sick or injured without an upfront payment or offering evidence of an insurance policy.
Fortunately, insurance plans from World Nomads and other primary insurance corporations generally offer coverage for:
Tunnah adds that World Nomads’ Standard and Explorer plans will offer coverage for travelers who are also diagnosed with Covid-19 abroad. In this case, the travelers involved can take advantage of the following coverages:
Omar Kaywan, spokesperson for Goose Insurance, notes that depending on your specific travel destination, you should make sure your insurance provides access to emergency care or specialized facilities that are possibly limited. If you have travel medical insurance with good enough limits in this situation, you may also be able to be airlifted to the United States for proper treatment.
“Emergency medical policy during the trip, as well as medical evacuation, are imperative to make sure you get the medical treatment you need,” says Kaywan.
Forbes Advisor research of recently purchased insurance policies for a vacation in Colombia shows an average insured vacation price of $1,896, an average vacation length of 16 days, and an average insurance charge of $122.
The insurance rate will possibly vary depending on the total rate of your trip, your age, and the plan you choose. In general, you can expect to pay around 5% to 6% of your trip fare.
Here are some examples of quotes for a seven-night trip to Colombia. The charges below are for one couple (two people in their 40s) traveling in February 2023 with a total charge of $4,000.
If you are concerned about the cost of insurance in Colombia, it is best to take the time to compare quotes from various insurance companies. This can help you see how they compare in terms of price, coverage types, and policy limits.
It’s also a good idea to buy your insurance policy immediately after you make your first vacation deposit, as you get a policy for longer and it doesn’t cost much anymore.
“Buy your insurance policy after you start booking flights, accommodation, and any other facet of your vacation to enjoy pre-vacation benefits like vacation cancellation coverage,” says Tunnah.
Once you’ve selected a source, you also deserve to read it end-to-end so you know what’s covered and what’s not. Tunnah also recommends that you take this time to make sure your policy includes the correct dates and degrees of coverage. .