Travel Insurance and Registering with US Embassy

Answers to your qestions about moving to, and living in, Peru,
clewis564
Gold Member
Gold Member
Posts: 57
Joined: Thu May 09, 2013 4:27 pm

Travel Insurance and Registering with US Embassy

Postby clewis564 » Wed Dec 31, 2014 3:06 pm

I will be moving to Lima soon and was wondering about Travel Insurance Plans people can recommend and if anyone has registered their stay with the US embassy in Lima? I plan on living in Lima for 6 months.

Thanks,
Chris


danjaker
Gold Member
Gold Member
Posts: 234
Joined: Thu Feb 14, 2013 8:50 am

Re: Travel Insurance and Registering with US Embassy

Postby danjaker » Thu Jan 01, 2015 12:36 pm

I wouldnt bother, I have been living in various countries throughout the world without and "travel insurance" if I need to go to the doctor I just go, its cheaper than if you had insurance and went in the US anyway. "Register with the embassy", wouldnt ever think about it.

6 months is a short stay, wouldnt bother if I were you.
panman
Gold Member
Gold Member
Posts: 900
Joined: Mon Oct 29, 2012 12:05 pm

Re: Travel Insurance and Registering with US Embassy

Postby panman » Thu Jan 01, 2015 12:53 pm

I would think very seriously before taking danjakers advice. Maybe he's in good health and has only suffered from coughs and colds. Accidents can and do happen, Peru does not offer much in such cicumstances unless you have insurance.
User avatar
chi chi
Gold Member
Gold Member
Posts: 6060
Joined: Tue Dec 06, 2011 5:28 pm
Location: Granada, Andalusia

Re: Travel Insurance and Registering with US Embassy

Postby chi chi » Thu Jan 01, 2015 1:12 pm

panman wrote:I would think very seriously before taking danjakers advice. Maybe he's in good health and has only suffered from coughs and colds. Accidents can and do happen, Peru does not offer much in such cicumstances unless you have insurance.


An anual travelinsurance isn't that expensive.
panman
Gold Member
Gold Member
Posts: 900
Joined: Mon Oct 29, 2012 12:05 pm

Re: Travel Insurance and Registering with US Embassy

Postby panman » Thu Jan 01, 2015 2:37 pm

chi chi wrote:
panman wrote:I would think very seriously before taking danjakers advice. Maybe he's in good health and has only suffered from coughs and colds. Accidents can and do happen, Peru does not offer much in such cicumstances unless you have insurance.


An anual travelinsurance isn't that expensive.

Another good reason to have proper control of people entering Peru as "tourists"
When I wanted a Schengen visa for my wife to travel within Europe, which I applied for via the German embassy, one of the stipulations was proof of adequate insurance.
User avatar
chi chi
Gold Member
Gold Member
Posts: 6060
Joined: Tue Dec 06, 2011 5:28 pm
Location: Granada, Andalusia

Re: Travel Insurance and Registering with US Embassy

Postby chi chi » Thu Jan 01, 2015 6:23 pm

panman wrote:Another good reason to have proper control of people entering Peru as "tourists"
When I wanted a Schengen visa for my wife to travel within Europe, which I applied for via the German embassy, one of the stipulations was proof of adequate insurance.


If your wife entered Europe illegally and claimed asylum, she would have got free healthcare, wellfare payments and free social housing.
panman
Gold Member
Gold Member
Posts: 900
Joined: Mon Oct 29, 2012 12:05 pm

Re: Travel Insurance and Registering with US Embassy

Postby panman » Thu Jan 01, 2015 7:05 pm

chi chi wrote:
panman wrote:Another good reason to have proper control of people entering Peru as "tourists"
When I wanted a Schengen visa for my wife to travel within Europe, which I applied for via the German embassy, one of the stipulations was proof of adequate insurance.


If your wife entered Europe illegally and claimed asylum, she would have got free healthcare, wellfare payments and free social housing.

1. you can't enter the UK legally, via imigration at Manchester airport without a valid visa.
2. I was visiting my family in England and wanted to take my wife to Rome for several days. Why would I want to waste valuable time claiming asylum if no visa is required?
All that aside, I do love the idea of being able to screw the system, if what you have posted previously is true about entering via Belgium, then I'll be trying it later in the year.
teamoperu
Gold Member
Gold Member
Posts: 1709
Joined: Thu Mar 18, 2010 10:07 am

Re: Travel Insurance and Registering with US Embassy

Postby teamoperu » Fri Jan 02, 2015 6:26 am

chi chi wrote:
panman wrote:Another good reason to have proper control of people entering Peru as "tourists"
When I wanted a Schengen visa for my wife to travel within Europe, which I applied for via the German embassy, one of the stipulations was proof of adequate insurance.


If your wife entered Europe illegally and claimed asylum, she would have got free healthcare, wellfare payments and free social housing.


How is that on topic? And since when did encouraging illegal activity become acceptable?

OP, everyone has to consider their own circumstances. For a 6 month stay... If something were to happen, the costs of transporting you back to the States for emergency care can be quite high. Many credit cards have travel insurance included if tickets bought on that cc, though the time limits vary. Something to consider.
User avatar
chi chi
Gold Member
Gold Member
Posts: 6060
Joined: Tue Dec 06, 2011 5:28 pm
Location: Granada, Andalusia

Re: Travel Insurance and Registering with US Embassy

Postby chi chi » Fri Jan 02, 2015 9:41 am

Many countries require that you have healthinsurance when entering the country but I have never been asked for it.

When you go to Cuba, you are supposed to have it but I wasn't asked for it.
danjaker
Gold Member
Gold Member
Posts: 234
Joined: Thu Feb 14, 2013 8:50 am

Re: Travel Insurance and Registering with US Embassy

Postby danjaker » Fri Jan 02, 2015 4:13 pm

Why would you need to be rushed back to the US ? They do have hospitals in Peru. Keep in mind most countries other than the US actually have better healthcare.

Chi chi is always advocating illegal behavior, not unusual... :roll:
teamoperu
Gold Member
Gold Member
Posts: 1709
Joined: Thu Mar 18, 2010 10:07 am

Re: Travel Insurance and Registering with US Embassy

Postby teamoperu » Fri Jan 02, 2015 4:54 pm

danjaker wrote:Why would you need to be rushed back to the US ? They do have hospitals in Peru. Keep in mind most countries other than the US actually have better healthcare.

Chi chi is always advocating illegal behavior, not unusual... :roll:


Yes, quite right. Maybe I phrased it poorly. In a medical emergency you would get treated well in a hospital here, but then might well want to return home to be further treated and recovery. Medical insurance would cover costs and transport to get you home. As well, didn't want to be gruesome, but they also transport your occupied casket. :(
Sergio Bernales
Gold Member
Gold Member
Posts: 925
Joined: Fri May 25, 2012 4:41 pm

Re: Travel Insurance and Registering with US Embassy

Postby Sergio Bernales » Fri Jan 02, 2015 6:23 pm

I'd definitely recommend getting some decent travel insurance. While visits to the doctor for minor ailments are not particularly expensive, if anything major happens, you would be seriously out of pocket. Companies like World Nomad and Lonely Planet have specialised policies for long trips - you can either get something cheap and cheerful that covers worst-case scenarios for between $200-$300, or pay about $400 upwards, for all the bells and whistles, covering you for things like delayed flights, minor medical costs etc. It's also worth shopping around.

http://www.worldnomads.com/?gclid=CMGNz ... 7AodxRcA8w
e-peruvian
Silver Member
Silver Member
Posts: 26
Joined: Thu Dec 31, 2009 12:04 pm

Re: Travel Insurance and Registering with US Embassy

Postby e-peruvian » Sat Jan 03, 2015 8:21 pm

When you buy an airplane ticket they normally ask you if you want trip insurance. The cost of the trip insurance is normally about 5% of the price of the ticket. For $1000 ticket the insurance will cost $50. The insurance is good for the duration of the trip, whether it is one week or 6 months. It is accident insurance and not health insurance. A major provider of this is Allianz insurance. If you are here for 6 months and the cost is $50 , I think that is money well spent.
There is no reason not to register with the US Embassy. If there is an emergency ( you have an accident) they will have the contact information for your family.
Buying health insurance that will cover you here can be from $250 to $500 per month depending on the type of coverage you want . Check with the insurance companies that advertise on this website (Cigna)
clewis564
Gold Member
Gold Member
Posts: 57
Joined: Thu May 09, 2013 4:27 pm

Re: Travel Insurance and Registering with US Embassy

Postby clewis564 » Tue Jan 06, 2015 12:09 pm

Thanks! I forgot about buying the insurance and being offered it when I buy my ticket. It's cheap too so wasn't looking forward to dropping $250 plus a month if I don't have to. I don't have any health issues at the moment so not too worried but if the $50 policy trip insurance will work then great!
Sergio Bernales
Gold Member
Gold Member
Posts: 925
Joined: Fri May 25, 2012 4:41 pm

Re: Travel Insurance and Registering with US Embassy

Postby Sergio Bernales » Tue Jan 06, 2015 1:00 pm

clewis564 wrote:Thanks! I forgot about buying the insurance and being offered it when I buy my ticket. It's cheap too so wasn't looking forward to dropping $250 plus a month if I don't have to. I don't have any health issues at the moment so not too worried but if the $50 policy trip insurance will work then great!


$250 upwards should cover you for travel insurance for six months to a year, not per month. If you buy your ticket with your credit card and free insurance is included, check what's included. If not a lot is covered and even though you feel you're in good health and don't want all the bells and whistles that cover delayed flights, lost luggage, stolen phones and the like, it's still a very good idea to take out something that covers medical emergencies. There are lots of backpacker and long stay insurance policies for all budgets and you'll easily find something that covers you for six months for less than $250 for the whole trip.

http://www.travelsupermarket.com/travel ... rance.aspx

http://www.confused.com/travel-insurance/long-stay

http://www.worldwideinsure.com/longstay ... urance.htm
clewis564
Gold Member
Gold Member
Posts: 57
Joined: Thu May 09, 2013 4:27 pm

Re: Travel Insurance and Registering with US Embassy

Postby clewis564 » Wed Jan 07, 2015 5:13 pm

Thanks Sergio

Return to “Expat Information”

cron

Login  •  Register