We get it. There is already so much planning involved in your trip of a lifetime to Peru. You have to make sure you have packed everything you need, make sure someone is there to take care of your pets/kids/plants, make sure your job is covered, your car stored, your home protected—everything safe and secure waiting for you to return. You don’t have time to get travel insurance, and besides, what could go wrong? You have medical insurance, is that not enough?**
Turns out….No. Your home medical insurance will provide little to no assistance should you encounter an emergency in a foreign country. Say you are vacationing abroad and you left home without a travel insurance policy. An emergency happens, something beyond your control. Travel insurance was your best bet and now it’s too late- what could have cost you very little in terms of money and time has now cascaded into enormous expenses involving emergency evacuation, medical care in a foreign land, and guess what- you still have to pay for your tour.
Weeks before your trip, the hotels, porters and services for your trip have already been commissioned. They cannot be “unhired” without a huge loss to the company and to many folks who were involved in purchasing supplies, preparing services, and blocking out time/ space to accommodate you during your stay. This is why we clearly state multiple times on our website and during the booking process that we very strongly recommend that you protect your trip with complete travel insurance.
Travel Insurance- full coverage, not just the medical portion, can compensate you for the loss of many of the expenses involved should your well-laid plans be interrupted by unforeseeable circumstances.
Your best bet is to do your research among the various websites that sell this important coverage, and then take a few minutes to sign up. If the emergency that you thought unlikely to occur does occur, you will have one less issue knowing that you have managed to take the best precautions possible in an unpredictable world.
As an adventure travel company, Apus has accumulated several of our own tales that illustrate the woes encountered by folks who failed to take the time to get coverage.
In one case, a family consisting of a dad and his grown kids booked a trip with us. Unfortunately, the day before the trip was to begin, he suffered a heart attack in his hotel room. The family had failed to obtain travel insurance and were terribly upset when they realized that the trip expenses were not covered and they would have to pay for the entire trip, including hotels, services, and porters, because of their failure to take a few minutes to obtain travel insurance before leaving home.
This family, whose enormous stress was of course understandable, had to suffer the additional and unnecessary pain of losing most of the cost of the trip simply due to their neglect of this essential item.
In another incident a traveler with full travel insurance left valuable items in a taxi. We helped her to fill out the forms to make a claim on her travel insurance, which she had had the foresight to acquire before leaving home. No worries!
With all the expenses involved in your trip, it seems silly not to pay the small amount necessary to protect it. Full travel insurance costs a tiny fraction of the amount you have laid out for this trip. You won’t even notice this small but essential expenditure next year, but if everything doesn’t go as planned you will certainly notice your failure to have acquired it.
When traveling with Apus, remember, too, to check the fine details on your policy and make sure it covers the activities you will be participating in, especially high altitude trekking and emergency evacuations. During our treks you will be traveling more than a day’s walk from any road – and should you need to be evacuated, the only way out is by an extremely expensive helicopter evacuation.
Even the most conscientious travel companies, a group we are proud to belong to (see our Trip Advisor reviews here), can’t account for random events that are not under anyone’s control. So please do us all a favor and plan full travel insurance into your trip.You’ll barely remember the expense, but in the rare case that something does occur, you will be very thankful for one less hassle if and when you have to deal with difficult circumstances far from home.
**For more detailed information about the differences between travel and medical insurance see this link: http://www.ustia.org/uploads/2/4/8/8/24887869/health-insurance-vs-travel-insurance.pdf
The US Travel Insurance website, www.ustia.org/ contains comprehensive information about travel insurance options for United States travelers to foreign lands.