travel insurance colombia

Top Travel Insurance Providers For Colombia You Should Know

Byron Mühlberg, writer at Monito.com

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Colombia is known for its diverse landscapes, including the Andes Mountains, the Amazon Rainforest, and stunning Caribbean and Pacific coastlines, as well as its vibrant culture and music scene. Although travelling to Colombia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Colombia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Colombia Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Colombia:

Best Travel Insurances for Colombia

  • 01. Do I need travel insurance for Colombia? scroll down
  • 02. Best medical coverage: VisitorsCoverage scroll down
  • 03. Best trip insurance: Insured Nomads scroll down
  • 04. Best mix for youth and digitial nomads: SafetyWing scroll down
  • 05. FAQ about travel insurance to Colombia scroll down

Heading to Colombia soon? Don't forget to check the following list before you travel:

  • 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
  • 🛂 Need a visa? Let iVisa take care of it for you.
  • ✈ Looking for flights? Compare on Skyscanner !
  • 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
  • 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory in Colombia?

No, there's currently no legal requirement to take out travel insurance for travel to or through Colombia.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Colombia or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Colombia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Colombia, no matter whether you're planning to take a boat trip to the Rosario Islands or explore the ancient ruins of San Agustín.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to Colombia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

Get a quote now

  • Coverage 9.0
  • Quality of Service 9.0
  • Pricing 7.6
  • Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Colombia:

  • Policy Names: Varies
  • Medical Coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
  • Trip Coverage: Excellent - but only available for US residents.
  • Customer Support: FAQ, live chat and phone support
  • Pricing Range: USD 25 to USD 150 /traveller /month
  • Insurance Underwriter: Lloyd's, Petersen, and others
  • Best For: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option for Colombia, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

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  • Coverage 7.8
  • Quality of Service 8.5
  • Pricing 7.4
  • Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

  • Policy Names: World Explorer, World Explorer Multi, World Explorer Guardian
  • Medical Coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
  • Trip Coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
  • Customer Support: FAQ, live chat, phone support
  • Pricing Range: USD 80 to USD 420 /traveller /month
  • Insurance Underwriter: David Shield Insurance Company Ltd.
  • Best For: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads in Colombia because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

Get insured now

  • Coverage 7.0
  • Quality of Service 8.0
  • Pricing 6.3
  • Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

  • Policy Names: Nomad Insurance, Remote Health
  • Medical Coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
  • Trip Coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
  • Pricing Range: USD 45 to USD 160 /traveller /month
  • Insurance Underwriter: Tokyo Marine HCC
  • Best For: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Colombia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Colombia

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Colombia. However, we strongly encourage you to do so anyway, because the cost of healthcare in Colombia can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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Colombia Travel Insurance

Travel insurance for colombia.

Nestled between the Caribbean Sea and the Andes Mountains, Colombia attracts globetrotters with its diverse landscapes, vibrant culture, and rich history. From the colorful streets of Cartagena to the lush coffee plantations and the mesmerizing Amazon rainforest, Colombia offers a tapestry of natural wonders and cultural treasures, inviting travelers to immerse themselves in its beauty and warmth. It can be easy to become mesmerized by Colombia's allure but do not forget some of the most important details of your trip, travel insurance . From assistance and coverage for trip cancellations for any reason to broad coverage for trip delays and unexpected events, understanding travel insurance choices ensures confident exploration of Colombia's diverse landscapes and vibrant culture. Let's find out all you need to know about travel insurance for Colombia.

  • What should your Travel insurance cover for a trip to Colombia? 

How Does Travel Insurance for Colombia Work?

  • Do I need Travel Insurance for Colombia? 
  • How much does Travel Insurance cost for Colombia? 
  • Our Suggested AXA Travel Protection Plan
  • What types of medical coverage does AXA Travel Protection plans offer?

Are There Any COVID-19 Restrictions for Travelers to Colombia?

Traveling with pre-existing medical conditions , what should your travel insurance cover for a trip to colombia.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

  • Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
  • Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
  • Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
  • Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
  • Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Colombia.

Travel insurance for Colombia functions can cover you against unexpected events that could interrupt your journey. This coverage encompasses trip cancellations, delays, medical emergencies, baggage loss, and additional aspects. In the event of covered incidents like sudden illnesses, trip interruptions, or unforeseen accidents during your Colombian excursion, travel insurance provides, assistance and support. It can reimburse qualifying expenses due to covered incidents, enabling travelers to relish their trip without concerns about unforeseen disruptions. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

  • Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
  • Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
  • Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

  • Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
  • Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

  • Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
  • COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
  • Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

  • Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
  • Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

  • Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
  • Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
  • Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
  • Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I Need Travel Insurance for the Colombia?

No, travel insurance is not obligatory for travel to Colombia. Nevertheless, it's strongly recommended that visitors acquire a plan that provides coverage for the duration of their Colombian stay.

Why? There are several reasons:

Medical Emergencies: Travel insurance covers various unexpected medical emergencies during travel, such as illnesses, injuries, or accidents. It offers assistance and coverage for medical expenses, hospital stays, and emergency evacuations, offering crucial support and for unforeseen health crises abroad.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Missed Connections: Trip interruption during travel can occur due to various unforeseen events, such as natural disasters, airline strikes, or sudden illnesses. Travel insurance can cover the costs for unused pre-paid expenses as well as extra expenses like lodgings and transportation.

How Much Does Travel Insurance Cost for Colombia?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

  • Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
  • Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Spain will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan , Gold Plan , and Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Argentina hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The AXA Platinum Plan can offer you coverage during your Colombian trip. It offers additional benefits like the Rental Car Collision Damage Waiver that offers support for exploring Colombia's scenic landscapes in a rental car. This can help you recover costs in case of collisions or damages to the rental vehicle.

What Types of Medical Coverage Do AXA Travel Protection Plans Offer?

AXA covers three types of medical expenses:

Emergency Medical: Can cover medical expenses, hospital stays, and even emergency evacuations, covering the expenses of hefty bills and ensuring access to quality healthcare while away from home.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Offers assistance in unexpected situations such as political unrest or natural disasters, ensuring safe and timely relocation to a secure location or repatriation back home. 

No, Colombia is now welcoming international visitors without imposing COVID-19 restrictions in the country.

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.  

Our Gold and Platinum Plans offer coverage for preexisting medical conditions. The Platinum plan is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,  

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation.

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to Colombia?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3.Do Americans need travel insurance in Colombia?

Travel insurance is not a mandatory requirement for Americans visiting Colombia, but it is highly recommended.

4.What is needed to visit Colombia from the USA?

U.S. citizens without Colombian citizenship must show a valid U.S. passport for entry and exit from Colombia. For tourist or business stays of 90 days or fewer or totaling up to 180 days per calendar year, a Colombian visa isn't required.

5.What happens if a tourist gets sick in Colombia?

If you become sick in Colombia, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.  

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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How To Pick The Right Travel Insurance For Colombia

Introduction.

Planning a trip to Colombia? Exciting! Whether you’re heading to the bustling city of Bogota, the picturesque coffee region, or the stunning Caribbean coast, it’s important to consider your travel insurance options. Travel insurance provides financial protection and peace of mind in case of unexpected events during your journey.

Colombia offers a world of adventure, but it’s always better to be prepared for any unforeseen circumstances. From lost luggage to medical emergencies, having the right travel insurance can help you navigate these challenges with ease.

In this article, we’ll guide you through the process of picking the right travel insurance for Colombia. We’ll explore the factors to consider, the coverage options available, and how to compare policies to find the one that suits your needs and budget.

Before we delve into the details, it’s important to understand the basics of travel insurance and why it’s essential. Travel insurance is designed to protect you financially against unexpected events that may occur before or during your trip. These events can include trip cancellations, lost or delayed baggage, medical emergencies, and even emergency medical evacuations.

While it’s natural to be excited about your upcoming adventure, it’s crucial to consider the potential risks and uncertainties that may arise. By having the right travel insurance in place, you can travel with confidence, knowing that you have a safety net should anything go wrong.

Understanding Travel Insurance

Before diving into the process of choosing travel insurance for your trip to Colombia, it’s important to have a clear understanding of what travel insurance is and what it typically covers.

Travel insurance is a type of insurance designed to protect travelers against unforeseen circumstances that may occur before or during their trip. It provides coverage for a range of situations, including trip cancellations, medical emergencies, lost or delayed baggage, and more.

One key component of travel insurance is trip cancellation coverage. This protects you in case you have to cancel your trip due to circumstances like illness, injury, or the death of a family member. Trip cancellation coverage typically reimburses you for non-refundable expenses such as flights, accommodations, and tour packages.

Medical coverage is another important aspect of travel insurance. It helps cover the costs of medical treatment if you get sick or injured while traveling. This can include doctor’s visits, hospital stays, medication, and even emergency medical evacuations if necessary.

In addition to trip cancellation and medical coverage, travel insurance often includes coverage for lost or delayed baggage. If your bags are lost, stolen, or delayed for a certain period of time, travel insurance can provide compensation to help replace essential items and cover the cost of temporary necessities.

Depending on the policy, travel insurance may also offer other benefits such as travel delay coverage, which reimburses you for expenses incurred due to extended travel delays, and emergency assistance services, which provide 24/7 access to a helpline for travel-related emergencies.

It’s important to note that each travel insurance policy is different, and the coverage will vary depending on the provider and the specific plan you choose. Therefore, it’s essential to carefully review the terms and conditions of any policy before making a decision.

Now that you have a better understanding of what travel insurance is and what it typically covers, let’s move on to the factors you should consider when choosing travel insurance for your trip to Colombia.

Factors to Consider when Choosing Travel Insurance

When it comes to choosing the right travel insurance for your trip to Colombia, there are several factors you should consider. Taking the time to evaluate these factors will help you find a policy that meets your specific needs and provides you with the necessary coverage and peace of mind during your travels.

1. Trip Duration and Frequency: Consider the length of your trip and how frequently you travel. If you plan on taking multiple trips throughout the year, an annual travel insurance policy might be more cost-effective. However, if you’re only visiting Colombia for a short period, a single-trip policy would be more suitable.

2. Destination and Activities: Different travel insurance policies may offer coverage tailored to specific destinations and activities. For example, if you plan on engaging in adventure sports like paragliding or hiking, ensure that your policy provides coverage for these activities. Additionally, check if your destination has any specific requirements for travel insurance coverage.

3. Medical Coverage: One of the most critical factors to consider is the amount of medical coverage provided by the policy. Ensure that the policy offers adequate coverage for medical expenses, emergency medical evacuations, and repatriation of remains if needed.

4. Deductibles and Coverage Limits: Pay attention to the deductibles and coverage limits of the policy. Deductibles are the amount you need to pay out of pocket before the insurance coverage kicks in, while coverage limits refer to the maximum amount the insurance company will reimburse for a specific event. Make sure these align with your financial capabilities and requirements.

5. Pre-existing Medical Conditions: If you have any pre-existing medical conditions, it’s essential to check if the policy covers them. Some policies may exclude coverage for pre-existing conditions, while others may offer coverage with certain conditions or additional premiums.

6. Customer Reviews and Reputation: Research the reputation and customer reviews of the insurance provider. Look for feedback regarding the claims process, customer support, and overall satisfaction. This information will help you gauge the reliability and credibility of the insurance company.

7. Price and Value: While price is a factor to consider, it shouldn’t be the sole determining factor. Compare the prices of different policies, but also evaluate the value they provide. Consider the coverage offered, the policy’s exclusions, and the overall benefits to determine if the price aligns with the value you will receive.

By considering these factors, you can narrow down your options and choose a travel insurance policy that offers the right coverage for your trip to Colombia. In the next sections, we’ll explore how to assess your needs, determine coverage areas, and choose the right policy type.

Assessing Your Needs

Assessing your needs is a crucial step in choosing the right travel insurance for your trip to Colombia. By understanding your specific requirements and circumstances, you can ensure that the policy you select provides adequate coverage and protection.

Consider the following factors when assessing your needs:

1. Trip Details: Start by evaluating the details of your trip. Consider the duration of your stay, the purpose of your visit, and the activities you plan to engage in. Are you traveling for leisure, business, or a combination? Do you plan on participating in any high-risk activities? Understanding these aspects will help you determine the level of coverage you require.

2. Existing Coverage: Review your existing insurance policies, such as health insurance, homeowner’s insurance, or credit card benefits. Some of these policies may offer limited coverage for travel-related incidents, such as lost baggage or trip cancellations. Knowing what coverage you already have can guide you in choosing additional travel insurance that covers any gaps in your existing policies.

3. Personal Health Considerations: Evaluate your personal health considerations and any specific medical needs. Consider any ongoing medical conditions you have, any prescription medications you take, and the likelihood of needing medical care while traveling. This will help you determine the level of medical coverage you should seek in a travel insurance policy.

4. Risk Tolerance: Assess your own risk tolerance. Some travelers may be comfortable with minimal coverage, while others prefer comprehensive protection. Consider your comfort level with potential financial losses and your willingness to pay higher premiums for broader coverage.

5. Financial Considerations: Evaluate your budget and the amount you’re willing to spend on travel insurance. While it’s important not to compromise on coverage, it’s also crucial to choose a policy that aligns with your financial capabilities. Strike a balance between price and the level of coverage you need.

By carefully assessing your needs, you can narrow down the specific requirements you have for travel insurance. This information will serve as a valuable guide when comparing policies and selecting the one that best suits your circumstances.

In the next sections, we’ll explore how to determine coverage areas, choose the right policy type, and compare pricing and benefits to further assist you in selecting the ideal travel insurance for your trip to Colombia.

Determining Coverage Areas

When choosing travel insurance for your trip to Colombia, it’s important to determine the specific coverage areas that are most relevant and essential to you. Understanding the potential risks and areas where you need protection will help you select a policy that adequately addresses your needs.

Consider the following coverage areas when determining your needs:

1. Trip Cancellation and Interruptions: Look for a policy that provides coverage for trip cancellations or interruptions. This will protect you financially in case you need to cancel or cut short your trip due to unforeseen circumstances, such as illness, injury, or natural disasters.

2. Medical Expenses: Given the unpredictable nature of accidents and illnesses while traveling, having comprehensive medical coverage is paramount. Look for a policy that provides coverage for emergency medical expenses, hospitalization, doctor’s visits, prescription medications, and medical evacuations if necessary.

3. Emergency Evacuation: Emergencies can happen anywhere, and it’s crucial to have coverage for emergency evacuation to a medical facility or your home country. This is particularly important if you plan on engaging in adventure activities or visiting remote areas of Colombia where medical facilities may be limited.

4. Baggage and Personal Belongings: Look for a policy that includes coverage for lost, stolen, or damaged baggage and personal belongings. This will provide reimbursement for the value of your items, enabling you to replace essential belongings if they are lost or damaged during your trip.

5. Personal Liability: Consider a policy that includes personal liability coverage, which protects you in case you accidentally cause damage to someone else’s property or cause injury to another person. This coverage can be especially useful in case of unforeseen accidents or incidents while exploring Colombia.

6. Trip Delay or Missed Connections: Look for a policy that offers coverage for trip delays or missed connections. This will reimburse you for additional expenses incurred, such as accommodation, meals, and transportation, if your trip is delayed or if you miss a connecting flight or transportation due to reasons beyond your control.

7. Other Coverage Areas: Depending on your specific needs, you may want to consider additional coverage areas such as rental car coverage, identity theft protection, or coverage for sports equipment. Assess your requirements and choose a policy that provides the necessary coverage for your travel activities.

By determining the coverage areas that are most important to you, you can prioritize your needs when comparing policies. This will help you narrow down your options and find a travel insurance plan that provides the desired level of protection for your trip to Colombia.

In the next section, we’ll discuss the different types of travel insurance policies available and how to choose the right one based on your needs.

Choosing the Right Policy Type

When it comes to travel insurance for your trip to Colombia, there are different policy types to consider. Understanding these policy types and their features will help you choose the right one based on your specific needs and travel plans.

1. Single-Trip Insurance: As the name suggests, single-trip insurance provides coverage for a single trip or a specific duration of travel. This type of policy is ideal if you don’t travel frequently or if you have specific dates and destinations planned for your trip to Colombia.

2. Annual/Multi-Trip Insurance: If you are a frequent traveler, an annual or multi-trip insurance policy may be more suitable. This policy type provides coverage for multiple trips within a specified period, usually one year. It offers convenience and cost-effectiveness for travelers who take multiple trips throughout the year.

3. Group Insurance: If you are traveling with a group of people, you may be able to take advantage of group travel insurance. This policy type typically offers coverage for a group of individuals traveling together. It can be a convenient solution for families, friends, or business colleagues traveling to Colombia as a group.

4. Backpacker Insurance: If you are planning a backpacking trip to Colombia, backpacker insurance might be the right choice for you. This policy type is designed for long-term travelers, typically covering trips lasting several months to a year. It often includes coverage for adventure activities and provides more flexibility for travelers on extended journeys.

5. Specialty Insurance: Depending on your specific needs, you may require specialty insurance. This can include policies tailored to specific types of travelers, such as seniors or students, or policies that offer coverage for specific activities or destinations. If you have unique requirements, consider seeking out specialty travel insurance options.

When selecting the right policy type, consider factors such as the duration of your trip, the frequency of your travels, the number of people in your group, and the nature of your activities. Assess your needs and choose a policy type that provides the necessary coverage while aligning with your travel plans and budget.

It’s worth noting that within each policy type, specific coverage options and levels may vary between insurance providers. Carefully review the details and limitations of each policy to ensure it meets your requirements.

In the next section, we’ll discuss how to compare pricing and benefits to find the most suitable travel insurance for your trip to Colombia.

Comparing Pricing and Benefits

When choosing travel insurance for your trip to Colombia, it’s important to compare the pricing and benefits of different policies to ensure you get the best value for your money. Here are some key factors to consider during this comparison process:

1. Premiums: Compare the premiums of different insurance policies. Premiums can vary based on factors such as the duration of your trip, the coverage limits, your age, and any pre-existing medical conditions you may have. Ensure that the premium is within your budget while providing the necessary coverage.

2. Coverage Limits: Evaluate the coverage limits offered by each policy. Consider the maximum amount of coverage available for medical expenses, trip cancellations, baggage loss, and other covered events. Higher coverage limits may come with higher premiums, but they can offer more comprehensive protection.

3. Deductibles: Check the deductibles for each policy. A deductible is the amount you are responsible for paying out of pocket before the insurance coverage kicks in. Compare the deductibles and determine if they align with your financial capabilities in case you need to make a claim.

4. Benefits and Optional Add-ons: Review the benefits included in each policy. Look for additional features or optional add-ons that may be valuable to you, such as coverage for adventure sports, rental car protection, or enhanced baggage coverage. Consider your specific needs and preferences when assessing the benefits offered.

5. Exclusions and Limitations: Pay attention to the exclusions and limitations of each policy. These are the situations or circumstances that are not covered by the insurance. Make sure you understand the policy’s exclusions to avoid any surprises or issues when filing a claim.

6. Policy Reviews: Research customer reviews and feedback on different insurance policies. This can give you insights into the experiences of other travelers with the insurance provider and policy you are considering. Look for reviews regarding the claims process, customer service, and overall satisfaction.

When comparing pricing and benefits, it’s important to strike a balance between the cost of the policy and the level of coverage and benefits provided. Consider your specific needs, the risks involved in your trip to Colombia, and your budget to find the policy that offers the best combination of price and benefits for you.

Once you have narrowed down your options and selected a few policies that meet your criteria, take the time to carefully read and understand the policy terms and conditions. This will ensure that you are fully aware of the coverage details, limitations, and any additional requirements for filing a claim.

In the next section, we’ll discuss the importance of researching insurance providers when choosing travel insurance for your trip to Colombia.

Researching Insurance Providers

When selecting travel insurance for your trip to Colombia, it’s crucial to research insurance providers to ensure you choose a reputable and reliable company. Here are some key steps to follow during your research:

1. Reputation and Financial Stability: Look for insurance providers with a solid reputation and financial stability. Check if the company has positive customer reviews and ratings from reputable sources like industry publications or consumer review websites. A financially stable provider is more likely to honor claims and provide quality customer service.

2. Claims Process: Research the claims process of the insurance providers you are considering. Look for information on the ease of filing a claim, the turnaround time for claim settlement, and the overall customer experience during the claims process. You want an insurance provider that is responsive, efficient, and transparent when it comes to handling claims.

3. Customer Support: Assess the customer support offered by different insurance providers. Look for providers that offer 24/7 assistance hotlines, multilingual support, and responsive customer service representatives. In case of emergencies or questions, it’s crucial to have reliable customer support that can provide guidance and assistance.

4. Network of Medical Providers: If you require medical assistance during your trip to Colombia, it’s beneficial to choose an insurance provider with a wide network of recognized medical providers in the country. This ensures that you have access to quality healthcare and that any medical expenses can be directly settled with the provider.

5. Policy Flexibility: Consider the flexibility offered by the insurance provider in terms of policy adjustments. For example, if your travel plans change or if you need to extend your coverage, it’s important to choose a provider that allows policy modifications without excessive fees or complications.

6. Additional Benefits: Some insurance providers may offer additional benefits that set them apart from others. These can include features like travel assistance services, emergency evacuation coordination, or access to travel-related resources and information. Evaluate these additional benefits and determine if they add value to your travel insurance coverage.

By researching insurance providers, you can ensure that you choose a reliable and reputable company that will provide the necessary coverage and support during your trip to Colombia. Take the time to review their reputation, customer reviews, claims process, and support services to make an informed decision.

In the final section of this article, we’ll discuss the importance of reading and understanding the policy terms and conditions before making your final travel insurance selection.

Reading and Understanding Policy Terms and Conditions

Before finalizing your travel insurance selection for your trip to Colombia, it is crucial to carefully read and understand the policy terms and conditions. This step ensures that you have a clear understanding of what is covered, any limitations or exclusions, and the procedures for filing a claim. Here are some important points to consider:

1. Coverage Details: Review the policy to understand the specific coverage provided. Identify the coverage limits, deductibles, and any restrictions that may apply. Pay close attention to coverage for medical expenses, trip cancellations/interruptions, baggage loss, and other key areas of protection based on your needs.

2. Exclusions and Limitations: Take note of the exclusions and limitations specified in the policy. These are situations or circumstances that are not covered by the insurance policy. Common exclusions may include pre-existing medical conditions, high-risk activities, or acts of war or terrorism. Understanding the exclusions and limitations will help you manage your expectations and avoid any surprises when filing a claim.

3. Claim Procedures: Familiarize yourself with the procedures for filing a claim. Understand the documentation required, the timeline for submitting a claim, and any additional information or forms needed. Clear comprehension of the claim process will ensure you can navigate it smoothly when the need arises.

4. Policy Period: Check the policy period to know the start and end dates of the coverage. Ensure that the policy covers the entire duration of your trip, including any pre-trip or post-trip days if necessary.

5. Emergency Contact Information: Make a note of the emergency contact information provided by the insurance company. Have this information readily available during your trip in case of emergencies or if you need to seek assistance from the insurance provider.

6. Policy Amendments and Cancellations: Understand the policy’s amendment and cancellation policies. Be aware of any associated fees or limitations for making changes to your coverage or cancelling the policy if needed.

By thoroughly reading and understanding the policy terms and conditions, you can ensure that the travel insurance you choose aligns with your expectations and provides the necessary coverage for your trip to Colombia. If you have any questions or uncertainties, don’t hesitate to reach out to the insurance provider for clarification.

With a clear understanding of your chosen policy, you can travel with confidence, knowing that you have the protection and support you need. Safe travels!

Seeking Expert Advice

When it comes to choosing travel insurance for your trip to Colombia, seeking expert advice can be beneficial in ensuring you make an informed decision. Consulting with an insurance professional or travel insurance specialist can provide you with valuable insights and guidance. Here’s why seeking expert advice is important:

1. Knowledge and Expertise: Insurance professionals have a deep understanding of the travel insurance industry and can provide you with expert knowledge. They can explain the intricacies of different policies, help you understand the terms and conditions, and offer advice specific to your travel needs and circumstances.

2. Customized Recommendations: An expert can assess your trip details, specific requirements, and risk factors to provide personalized recommendations. They can help you identify the most suitable coverage options and policy types based on your needs and preferences, ensuring that you are adequately protected during your travels.

3. Coverage Gaps and Limitations: A travel insurance specialist can help you identify any potential coverage gaps or limitations in the policies you are considering. They can highlight areas where additional coverage may be necessary, such as for specific activities or high-value items, helping you avoid potential financial risks.

4. Understanding Policy Jargon: Insurance policies often contain complex terminology and jargon that can be difficult to decipher. An expert can help you navigate through the policy terms and conditions, explaining any unclear language and ensuring that you fully understand the coverage and limitations of each policy.

5. Claims Assistance: In the unfortunate event that you need to file a claim during your trip, an insurance professional can provide valuable assistance. They can guide you through the claims process, help you gather the necessary documentation, and act as an advocate on your behalf to ensure your claim is handled smoothly and efficiently.

6. Updates on Industry Trends: Insurance professionals stay updated on the latest trends and developments in the travel insurance industry. They can inform you about any changes in coverage options, policy features, or regulations that may impact your decision-making process.

When seeking expert advice, it’s essential to choose a reputable and experienced insurance professional. Consult with licensed insurance agents, travel insurance brokers, or insurance companies known for their expertise in travel insurance. Prepare a list of questions and details about your trip to provide them with the necessary information to offer tailored recommendations.

Remember that while seeking expert advice is valuable, ultimately, the decision is yours to make. Take the time to evaluate the recommendations provided and ensure they align with your needs, budget, and level of comfort.

By leveraging the expertise of professionals and specialists, you can make a well-informed decision and choose the travel insurance that offers the best protection for your trip to Colombia. Happy travels!

Choosing the right travel insurance for your trip to Colombia is an important step in ensuring your peace of mind and financial security. By understanding the various aspects of travel insurance and considering the factors discussed in this article, you can make an informed decision that aligns with your specific needs and circumstances.

Start by assessing your needs, taking into account factors such as trip duration, destination, and activities. Consider the coverage areas that are most relevant to you, such as trip cancellations, medical expenses, and baggage loss. Based on your assessment, you can then choose the right policy type – whether it’s single-trip, annual, backpacker, group, or specialty insurance.

When comparing policies, carefully evaluate the pricing and benefits to ensure you get the best value for your money. Research insurance providers, checking their reputation, claims process, customer support, and financial stability. Read and understand the policy terms and conditions, looking out for coverage details, exclusions, and claim procedures.

While conducting your research, don’t hesitate to seek expert advice from insurance professionals or travel insurance specialists. Their knowledge and expertise can provide invaluable guidance in identifying the most suitable coverage options for your trip.

Remember that travel insurance is an investment in your peace of mind. While it may add to your travel expenses, it offers protection against unforeseen events and potential financial risks. It’s essential to strike a balance between the coverage you need and your budget.

Ultimately, the right travel insurance policy will provide you with the confidence to explore Colombia’s beautiful cities, breathtaking landscapes, and vibrant culture. With the right coverage, you can fully immerse yourself in the wonders of Colombia, knowing that you are protected against unexpected events.

Before embarking on your journey, take the time to choose the travel insurance that suits your needs, read the policy details, and understand the level of coverage provided. With proper preparation and the right insurance coverage, you can enjoy a worry-free and memorable trip to Colombia.

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colombia travel insurance

Travel Insurance for a Colombia Vacation (2024)

Traveling to Colombia? Click below to get a free, personalized travel insurance quote.

in under 2 minutes

Tom Adams Photo

Tom Adams is a writer based in the U.K. who specializes in travel advice. Previously, he has written for sports brands, travel blogs and even an archaeological study. Outside of work, Tom enjoys reading, trying new restaurants and taking his rescue dog for long walks in the park.

Tori Addison Photo

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

If Colombia is one of your travel destinations for an upcoming holiday, you should consider getting travel insurance. Visiting Colombia is not without its risks, and we recommend having a robust travel insurance plan in place.

With the number of available options, it can be difficult to find the best travel insurance, but this guide will help you get started.

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Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

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Do I Need Travel Insurance for Colombia?

Travel insurance is no longer a legal requirement for a trip to Colombia, and you can enter the country without it. But insurance will protect you from various risks and unexpected events that may occur during your trip, such as medical emergencies, trip cancellations , lost baggage and personal liability. Having coverage means you can enjoy your trip knowing that you have a financial safety net should an emergency arise.

When planning a Colombian vacation, you should know the risks associated with the trip. Colombia reports increased rates of violent crime and civil unrest, and tourists are particularly vulnerable when traveling through rural areas. Staying in large cities like Bogota and Medellin can reduce these risks.

Having travel health insurance will allow you to access healthcare in Colombia without having to pay for medical expenses yourself. You could also benefit from trip interruption coverage in case an emergency causes cancellation of plans.

You can buy many types of coverage and add-ons for travel insurance. Some of the key options for trip insurance coverage are explained below.

Cancel for Any Reason Coverage 

In most travel insurance policies, you will be reimbursed for trip cancellation, but exclusions do apply. If you want the assurance that you can cancel your trip no matter the reason, consider buying cancel for any reason coverage (CFAR).

CFAR is an optional upgrade that offers reimbursement should you need to cancel your trip without any exclusions. This is useful if you change your mind about visiting or if you have a sudden change of circumstances that means you can no longer travel.

Some restrictions come with CFAR. You must buy it within 10 to 21 days of your vacation, and your trip will need to be canceled within 48 hours of your planned departure. Always check with your insurance provider to be sure about the terms of CFAR coverage.

Gear Theft Protection

Gear Theft Protection helps you if your valuables get lost, stolen or damaged during your trip. It typically reimburses you for the value of the lost items or provides funds for necessary replacements.

Most policies will only cover theft up to a certain amount. If you take your expensive phone, laptop and camera to Colombia and they get damaged, your insurance may not pay to replace all of them. Consider leaving unnecessary gadgets at home or getting them covered through homeowners insurance.

Medical Emergency Insurance and Emergency Medical Evacuation

One essential aspect of travel insurance is medical coverage . This coverage usually includes expenses related to medical emergencies, medical treatment, doctor visits and emergency medical evacuations. It will also cover you should you need medical repatriation to your home country.

Most travel insurance policies offer 24/7 emergency assistance services. This assistance may include help with medical referrals, emergency cash transfers, translation services and legal advice.

It’s important to disclose any pre-existing medical conditions when you buy travel medical insurance. Some policies cover pre-existing conditions, but others may have specific exclusions or require additional premiums. Check if your health insurance plan covers your conditions. Otherwise, you might not be able to claim compensation.

Rental Car Protection

Rental car protection is an add-on benefit that covers damage sustained to your rental car. You can buy insurance from your rental agency, but getting coverage through your travel insurance plan prior to your trip could give you more coverage at a better price.

Trip Cancellation Insurance

Travel insurance can reimburse you for non-refundable trip expenses if you need to cancel or cut your trip short because of unforeseen circumstances like illness, injury or death of a family member. It’s important to review the policy terms and conditions to understand the specific situations covered.

Most basic plans cover your expenses up to 100%, but premium insurance options may offer more protection. Know how much cancellation coverage is offered when you get a quote from an insurance provider.

How Much Does Colombia Travel Insurance Cost?

When you shop for travel insurance for Colombia, you should compare different insurance companies and review the policy details. You should also understand the coverage limits, exclusions and claim procedures. Each policy may vary in terms of coverage and cost , so it’s important to choose the one that best suits your specific needs and travel plans.

The table below outlines the cost of the basic travel insurance plans from five providers. We shopped for rates for a 30-year-old from New York traveling from July 13-20. The cost of the trip was $1,200.

Quotes pulled on May 30, 2023

The price ranges from more affordable to more premium coverage, but World Nomads offers $2,500 in trip cancellation, while the other plans only cover the trip cost. Likewise, Insured Nomads offers a much higher medical benefit maximum ($250,000), so this may be more suited to an active traveler.

How Do I Get Travel Insurance for Colombia?

Before you purchase travel insurance, compare quotes from different providers to see how much coverage they offer and whether it works for your trip. A good place to start is by checking what options are available from your credit card provider or bank, as you may be eligible for extra coverage through a rewards program.

You can get a quote for your travel insurance plan from provider websites, giving you insight into the average cost of travel insurance. Once you find a plan that adequately covers you, check the available add-ons for more coverage.

Colombia Safety Tips

Colombia is a beautiful country with plenty for travelers to see and do. Cali and Cartagena are two bustling destination cities, and the nearby Amazon in Brazil and the Caribbean coast provide endless activities.

As in any foreign country, travelers should remain vigilant. Colombia can pose significant risks. The following travel tips will help you stay safe on your vacation.

Crime and Safety

The U.S. government’s travel advisories place significant risks on traveling to Colombia because of the presence of organized criminal groups and violent crime. There have been kidnappings and acts of terrorism in Arauca and Cauca, so the government advises avoiding these regions.

Keep a low profile and be careful when in public. Check local news reports for any reported demonstrations or violence that could affect your travels.

Colombia can be safe if you stay vigilant. Being equipped to have simple conversations in Spanish would be a major benefit should you need assistance in an emergency.

Day Trips, Tours and Excursions

For city tours in Bogota or Medellin, secure an experienced guide to help you navigate the cities safely. Ensure the guides you have are credible and experienced to avoid getting ripped off.

If you plan to see multiple cities on your Colombian vacation, travel experts recommend against traveling by car and prefer tourists stick to flying as a safer option. Likewise, U.S. citizens should avoid the Venezuelan border because of the chance of being detained upon crossing. Ensure none of your activities take you near the border: even crossing the border accidentally could put you at risk of detention.

Dengue fever is a real risk in Colombia. Don’t take it lightly. For any day trips or excursions, bring enough mosquito repellent to protect yourself.

Colombia no longer requires you to present a negative COVID test before entering the country. You also don’t need proof of your COVID-19 vaccination , but we recommend you get one to avoid a trip interruption. The Centers for Disease Control and Prevention also recommends the following vaccinations:

  • Hepatitis A & B
  • Yellow Fever (necessary for accessing national parks)

The Bottom Line: Is Travel Insurance for a Colombia Vacation Worth It?

If you’re planning a Colombian vacation, travel insurance is a must . With the current political tension and risks, traveling uninsured could leave you paying for emergency medical care or replacing valuables out of pocket. To enjoy your trip without these worries, ensure your medical insurance plan offers appropriate coverage, and be sure to have adequate trip cancellation and baggage coverage.

Frequently Asked Questions About Travel Insurance in Colombia

When can i claim compensation.

You can claim compensation on any non-refundable deposits made before the start of your trip. This could be because of a delayed flight or accommodation cancellation. It also applies if you have trip interruption coverage and need to cut your trip short.

Do I need travel insurance to enter Colombia?

You don’t need travel insurance to enter Colombia. You only need a valid passport and an onward ticket to pass customs. Travel insurance will cover you should an unforeseen event or emergency arise, so it’s worth buying coverage.

Does travel insurance cover COVID-19?

When you purchase travel insurance, you buy coverage for any medical expenses incurred from COVID-19 such as hospitalization, treatment or quarantine — as long as you have no COVID-19 exclusion in your travel insurance plan. Check this before you travel, and consider buying extra coverage if you feel vulnerable.

Can I get travel insurance once I’m abroad?

Yes, many travel insurance providers will offer policies that apply if you’ve already started your trip. This is a great option if you forgot to buy coverage or your policy expired. The new policy may take a few days to come into effect, so be sure you’re covered for the full trip.

Methodology: Our System for Ranking the Best Travel Insurance Companies

  • A 30-year-old couple taking a $5,000 vacation to Mexico.
  • A family of four taking an $8,000 vacation to Mexico.
  • A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
  • A 30-year-old couple taking a $7,000 trip to the United Kingdom.
  • A 19-year-old taking a $2,000 trip to France.
  • A 27-year-old couple taking a $1,200 trip to Greece.
  • A 51-year-old couple taking a $2,000 trip to Spain.
  • Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
  • Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
  • Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
  • Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

Choosing Travel Insurance for Colombia

Colombia is a relatively safe country to travel. But it’s also full of adventure, from extreme sports to interesting street foods to political uprisings. So travel insurance for Colombia is…well, necessary.

Choosing Travel Insurance for Colombia

Colombia has been on your radar for a long time, and you’re finally making moves to go. But have you purchased Colombia travel insurance?

You’ve already taken some Spanish lessons to prepare yourself, and you’ve got all of your necessary vaccinations. You’ve even spent months planning your itinerary.

You’ll wander the Old City streets of Cartagena and bounce between the beaches off the coast. You’ll try every restaurant in Medellín’s El Poblado, and you’ll climb all 740 steps up the famous Guatapé rock. Oh, and you can’t wait to hike amongst the tallest palm trees in the world in Salento.

Now the easy part is getting yourself travel insurance. And, since you’re traveling to Colombia, you need it. While  Colombia is a relatively safe country  to travel, there are a multitude of reasons why travel insurance is still key.

  • Travel insurance for your Colombia trip will give you peace of mind. The last thing you want to do while traveling somewhere new is to be worrying about anything other than enjoying yourself. With travel insurance, no matter what happens—medical issues, theft, travel delays—you can relax knowing you’re covered.
  • Travel insurance will cost only a small fraction of the total trip cost. Quit the excuse that “travel insurance is too expensive.” The truth is that, if you can’t afford travel insurance, you can’t afford to travel.
  • You probably can’t afford to not have travel insurance in Colombia. While medical costs in the country are relatively low, medical transport is not. And what if someone steals your bag? Could you afford to replace everything inside on top of the price of your trip?
  • Travel insurance will give you the confidence to really enjoy your trip. Eat the street meat, go paragliding and take mototaxis around. Most likely, nothing bad will happen but, if something does go awry, you’ll be prepared.

You have plenty of great travel insurance options for Colombia—but there’s a lot you will want to consider when buying a plan.

What Is Travel Insurance?

Travel insurance is a bit like the health insurance you are probably already familiar with. The main difference is that travel insurance is designed to cover medical emergencies abroad as well as your travels themselves. That means you’re covered if your the victim of theft or if you have to cancel your flights (or entire trip!) due to an emergency.

In fact, you will often need both a health insurance plan and travel insurance since your health insurance at home won’t cover the same things abroad.

Essentially, travel insurance is additional insurance that covers any medical emergencies and unexpected incidents while you’re on the road, where your regular insurance won’t necessarily help. It covers your property from theft, loss and/or damage and provides trip cancelation/interruption insurance as well.

Travel Insurance vs. Health Insurance

Two people and a small child crossing a gushing stream

In addition to covering medical emergencies, travel insurance also usually comes with medical repatriation. This means that the insurance will cover the cost (or a good chunk of the cost) to fly you back home for medical care in your own country. It will not cover your medical care once you’re back home—that’s what your health insurance plan at home is for.

Similar to homeowners’ insurance, travel insurance will usually cover the possessions you take on your trip, as well. If your bag gets stolen in Colombia, travel insurance will kick in and cover the cost to replace your items.

What if you damage someone else’s property or hurt someone accidentally in Colombia?  The best travel insurance  will also usually have some liability coverage for such issues that other insurances won’t cover.

Moreover, in addition to medical and property coverage, travel insurance will also help in the case of an unexpected trip cancellation or interruption. You might have to cancel your trip because of a death in the family, for example. Or if there is a natural disaster or a violent attack in Colombia, you might want to interrupt your trip and head home early. Travel insurance will reimburse you for costs in situations like these, which other insurance won’t cover.

Reasons to Get Travel Insurance for Colombia

In all honesty, having travel insurance is one of the best  travel tips for Colombia  I can offer. The fact is, no matter where you travel, you need travel insurance. But in Colombia, especially, it can come in really handy. From medical bills to trip cancelations to stolen items, these eight reasons could ruin the trip you’ve been dreaming of.

1. Your Stuff Goes Missing

With travel insurance in Colombia, you won’t have to stress so much if something goes missing. Whether the airline loses your bag or a pickpocket gets your phone, insurance can help cover the costs to replace the lost items.

2. You Need to Cancel Your Trip

No one ever wants to cancel a trip but sometimes things come up. If you need to cancel your Colombia trip due to a health issue or another covered reason, travel insurance can help. A good policy will reimburse you for pre-paid expenses like hotel rooms and flights.

3. You Get Food Poisoning in Colombia

a woman sells cakes in the street in Colombia

While tap water is okay to drink in most major cities, it’s a lot less regulated in rural areas. Plus, there are meat sticks grilling on every corner—and they’re hard to turn down. Combine the two and food poisoning is a real possibility. If you have to pay a visit to the hospital because you caved for one of the Perro Caliente Colombiano hot dogs (and you will eat one), your travel insurance will cover your medical costs.

4. You Fall Victim to Altitude Sickness

Sunlight over the mountains in Colombia

If you are planning to visit any  places in Colombia  that are higher up in the Andes, you’ll want to prepare for possible altitude sickness. Bogotá, for example, sits at 8,660 feet above sea level. Locals there will tell you to drink a lot of water to stay hydrated. You might even take over-the-counter pills to prevent altitude sickness. And, if you start feeling nauseous or get a headache, some locals will likely offer you coca leaves (raw but safe material from the cocaine plant) to chew to treat your symptoms.

But, despite all the preparation and home remedies available, if your altitude sickness worsens, it can (and often does) lead to a hospital visit. Travel insurance will cover your medical costs.

5. You Have an Accident Trying Adventure Sports in Colombia

Paragliding in Medellin, Colombia

Colombia has some really great adventure sport options—paragliding, kitesurfing, motorsports, etc. If you have an accident, these are the type of activities that can quickly run up a hospital bill. If you want to try some extreme sports in Colombia, make sure your travel insurance options covers your specific sports, too.

6. You Need Medical Evacuation in Colombia

Colombia’s major cities like Medellín and Bogotá have some incredible hospitals, but a large part of the country is still very rural. With the Andes Mountains, getting to the nearest hospital can also be a major issue. Medical evacuation by plane or helicopter in Colombia is expensive, but it could easily be a life-or-death necessity. Travel insurance will help cover the cost (or some of the cost) of your evacuation.

7. Political Violence Arises in Colombia

Police stand in riot gear with their backs to the wall

Colombia recently signed a peace agreement with the FARC guerrilla group. This guerrilla group was involved in the continuing Colombian armed conflict from 1964 to 2017, employing a number of military tactics and terrorism. While Colombia is much safer now thanks to this agreement, there are still military groups causing occasional violence.

These violent political issues could require or compel you to cancel your trip. If you’re already there, political violence may cause you to want to head home early. Travel insurance will reimburse you for a canceled trip under these conditions, and it will help you cover the costs of calling it early.

8. The Venezuela Crisis Exacerbates

A group of people in a square in Venezuela

Speaking of unexpected increases in violence, getting Colombia travel insurance is a particularly wise move at the moment due to the Venezuela crisis. The civil issues currently ongoing in Venezuela, which are spilling over across the Colombian border, are volatile.

If the situation continues to escalate, you might want to reschedule your trip or leave early if you’re already there. Again, travel insurance will help you cover these unexpected costs.

What Does Travel Insurance in Colombia Cover?

While you should always get travel insurance, you want to do more than just buy the first policy you see without reading anything about it. It is important to understand what exactly travel insurance will cover on your Colombia trip.

Every insurance company and policy is a little different. For that reason, we’ve outlined what expenses most travel insurance companies will cover for you on a trip to Colombia.

Medical Emergencies

One of the most valuable elements of a travel insurance plan is the coverage for unexpected medical emergencies. Seeing a doctor for a stomach bug in Colombia is relatively cheap. If you break a leg or worse though, you’ll be happy you have Colombian travel insurance.

What is covered under a medical emergency will vary a bit plan to plan. In general, however, any unforeseen medical issue will be covered—so long as it’s not a preexisting condition.

If you have an accident or get sick, travel insurance will kick in to cover hospital and doctor bills in Colombia. Depending on the medical issue, the hospital and the insurance plan, you might have to pay up front and get reimbursed later from the travel insurance company.

That all said, emergency dental treatment is not always covered. If you plan to do any dangerous activities, like extreme sports, you might have to purchase additional insurance coverage.

The average travel insurance for Colombia should include $50,000 to $100,000 in medical emergency coverage.

Emergency Evacuation

Colombia is a relatively safe place but, if you have an emergency, you might have to leave early.

Emergency evacuation is a broad term for a lot of situations that your Colombia travel insurance may cover.

palm trees bending in the wind in Colombia

First, if you are hurt or become sick in a rural part of Colombia, you might need travel insurance to cover the emergency medical transport to a nearby hospital. In Colombia, there are a number of quite expensive private medical evacuation plane and helicopter companies.

If you are suffering a major health issue, emergency evacuation will also help cover the cost of getting you home to your own doctors. Colombia has credible medical doctors, but if you will need major surgery or rehab, you’ll want to head home.

Sometimes emergency evacuation isn’t tied to a health issue. Travel insurance in Colombia might also come in handy if you need to be evacuated from an unsafe area. From flooding and mudslides to political issues, having the option to be evacuated in an emergency is important.

Average travel insurance for Colombia should include:

  • $100,000 to $500,000 in medical emergency evacuation coverage
  • $10,000 to $25,000 in non-medical emergency evacuation coverage (natural disasters, political violence, etc.)

Loss, Theft or Damage of Baggage

Like most modern travelers, you probably travel with a number of valuables—your camera, phone and maybe a laptop. Add to the electronics all of your basic necessities like clothes, and your baggage is probably pretty important to you.

Having your bag(s) stolen, lost or damaged is pretty horrible on any trip. If you have travel insurance though, you won’t have to replace everything that you lose out of your own pocket.

Travel insurance for Colombia will help cover the cost of your lost items due to theft. For example, if someone steals your bag or if a pickpocket gets your phone, insurance will cover the costs. It is important that you get a police report, though, to back up your claim.

Travel insurance will also help cover the cost of lost baggage or items. That said, most insurance companies will cover items only if you took “reasonable measures” to protect the property. In practice, this means they won’t cover something like “losing” your phone at a nightclub when you were drinking. They might cover a lost camera though if it fell out of your hand while paragliding, however.

  • $500 to $3,000 in lost or stolen baggage/personal items coverage
  • $100 to $800 in baggage delay coverage

Trip Cancellation, Delay or Interruption

Even the best-laid plans can go awry. No matter how well you plan your trip to Colombia, things might happen that are just beyond your control. Thankfully, your Colombia travel insurance will kick in to help you.

Your travel insurance will cover prepaid, non-refundable expenses if you have to cancel your trip for certain covered issues (you can’t just cancel for any old reason and expect reimbursement). Covered cancelation reasons include deaths in your immediate family, natural disasters and even a sick travel companion, among other reasons that prevent you from traveling. The covered expenses might include, for example, your hotel rooms, tours and flights.

two beaches back to back in Colombia

The same issues that might cause a trip cancellation could cause a trip interruption. Trip interruption only applies if you’ve already departed for Colombia. If you need to go home unexpectedly, your travel insurance usually covers non-refundable expenses.

Sometimes a trip doesn’t need to be completely canceled, but you are delayed in traveling. If this happens due to something like a long flight delay, travel insurance will help cover unexpected costs. These expenses include rebooking a hotel or a tour that you will miss because of the delay.

  • $2,000 to $10,000 in trip cancellation coverage
  • $2,000 to $10,000 in trip interruption coverage
  • $500 to $2,000 in trip delay coverage

Compare Colombia Travel Insurance Companies

There are lots of options for travel insurance for Colombia. Depending on what you need covered, your age and your travel style, you can choose among a number of plans.

Here are three of our favorite options.

1. World Nomads

World Nomads is a leader in the travel insurance space, and easily our preferred option. With extensive coverage and the ability to add extra insurance for extreme sports, World Nomads is an ideal option.

World Nomads set itself apart by offering 24/7 emergency assistance and coverage for over 150 adventure activities, from bungee jumping to mountain biking. Plus, unlike many companies that require you to buy insurance plans before you depart, you can purchase a World Nomads plan while you’re already on the road.

Allianz  is another good travel insurance option in Colombia. The insurance company has a strong presence already in Colombia with local offices. And, if it’s any consolation, in 2017 alone, 35 million Americans purchased insurance from Allianz Global Assistance.

With  Allianz , you can choose between Single Trip Plans and Annual Plans that cover multiple trips. You can also get yourself coverage for your rental car. The very basic single trip plan, for example, includes trip cancellation and interruption benefits, as well as limited post-departure benefits like emergency medical coverage and lost/damaged baggage benefits.

3. IM Global

Not all travel insurance in Colombia will cover travelers over the age of 65.  IM Global , however, covers those 65 to 70 years old.

IM Global’s most popular plan is the Patriot Travel Medical Insurance, which covers travel medical insurance for individuals, families and groups. It’s renewable up to 24 months. And it offers deductible options from $0 to $2,500, with maximum limits from $50,000 to $2,000,000. Coverage includes medical expenses, evacuation and repatriation, so you can have peace of mind while traveling.

How to File a Claim with Your Travel Insurance if Something Goes Wrong in Colombia

With any luck, your trip to Colombia will go perfectly. If it doesn’t, however, it’s important to know how to file a claim with your travel insurance.

Every travel insurance company has a slightly different process for filing claims. In general, you will want to keep in mind the following guidelines.

Note: If it is a serious medical issue, call your travel insurance company immediately.

There is usually a 24-hour assistance hotline for such cases. By calling ahead, you can get information on what hospital is best to visit. Sometimes, you can also get advanced payment from the insurance company. That way, you won’t have to cover everything out of pocket up front.

1. Get Police and/or Medical Reports

To claim a stolen item, you will need to file a police report in Colombia. If you end up in the hospital for a medical issue, save all of your medical reports. You will have to submit these to your travel insurance company to back up your claim.

2. Save All of Your Receipts

You have to prove that something happened with the police records and medical reports that you’ve collected. You can prove your expenses or loss with these saved materials. If something of yours is stolen, you can even submit a copy of the original purchase receipt—so be sure to always save receipts, too.

3. Submit the Claim Online (or by Mail)

Most travel insurance companies will accept claims online. However, if they need additional information, you might have to mail in the original receipts, police reports, etc.

Your filing process will differ depending on the travel insurance company you choose. If you have any questions about filing, you can usually find a helpline on the company site.

Travel insurance is always a must. And because of the current political situations in and around Colombia, as well as all of the adventure activities available to you in the country, travel insurance is even more important.

Sure,  Colombia is safer  now than it has been in decades. But political violence, natural disasters, illnesses, emergencies and just plain bad luck can still happen. With travel insurance in Colombia, you can be prepared no matter how things pan out.

Before you jump on a plane to Colombia, decide on a travel insurance plan that’s right for you. It’s easy to shop around, plans are affordable and you have no excuse not to get it.

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  • Smart Ways Keep Your Stuff Safe When You Travel

Colombia Travel Insurance FAQs

Is travel insurance required for colombia.

Travel insurance isn’t legally required to visit Colombia, but it is still a very good idea to have a good travel insurance policy.

Is it OK to not have travel insurance?

No, you should always have travel insurance when traveling outside your home country.

Is it safe to travel to Colombia right now?

Colombia is generally safe to travel, but the US State Department has issued a Level 3 travel warning and recommends people reconsider travel.

How do you prepare a trip to Colombia?

The best way to prepare for a trip to Colombia is to research the local culture and customs and brush up on your Spanish.

Is Bogotá safe for white tourists?

Yes, Bogotá is safe for white tourists.

Jeremy Scott Foster

Jeremy Scott Foster

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travel insurance colombia

Travel Insurance for Colombia 2023

What is the best travel insurance for Colombia? If this incredible country is on your travel bucket list, you’re likely wondering which international medical insurance to get to have the best guarantees and solely focus on enjoying your trip.

That’s why we’ve prepared this guide for you. Here, you can learn about the specific coverage your travel medical insurance needs for Colombia, the price of international insurance, and how to get it easily and simply.

Why hire travel insurance for Colombia?  

Every destination is different, but one thing we almost always encounter when travelling to different countries is very high prices for any medical attention.

Colombia is no exception. If you were to travel there without adequate international medical insurance, you would have to face expenses that could end up ruining your trip.

colorful houses on a street in colombia

A stumble on the more than 700 steps of the Piedra del Peñol that ends in a small ankle twist. A cut from the sharp Caribbean coral while snorkelling in a place as idyllic as Cayo Cangrejo. Some digestive problems when trying delicious food such as arepas, enchiladas or lechona for the first time. Or even any other situation that you wouldn’t give much importance to while at home (infection, muscle problem, illness…). All of these could become a visit to a low-quality medical center and an astronomical bill that could mortgage your trip.

By travelling with the best travel insurance to Colombia , you ensure that you can access the best health centers and hospitals for any medical need without pay . In addition, you’ll have many other coverages during your trip. Besides protecting your health, your travel insurance to Colombia also offers coverage in case of events such as problems with your luggage or robbery with violence. Colombia is a safe country in its tourist areas if you take the necessary precautions, but in case you face a problem of this nature, your travel policy will also protect you.

What is the best travel medical insurance for Colombia?  

Next, we will tell you in detail what features your travel insurance to Colombia must have to ensure that you’re protected from any activity you will do in the country. But, if you already know how essential it is, don’t wait any longer and get your travel insurance now to enjoy the best coverage on a trip that will be unforgettable. If your country of residence is within the European Union your best ally for this trip is IATI Total Comfort . If your country of residence is outside the European Union we recommend IATI Star.

What should the best travel insurance for Colombia include: Characteristics  

Just as you would need specific coverage for a trip to a city like Paris, for your travel insurance to Colombia you will need coverage that is tailored to this destination.

We will talk about all the essential characteristics of this specific destination, all of which are included in your IATI Total Comfort and IATI Star travel insurances for Colombia.

24-hour free assistance  

You’ve been waiting for this great trip for a long time and plan to enjoy it from beginning to end, 24 hours a day. That’s why, thanks to your travel insurance for Colombia, we will be by your side 24 hours a day, 7 days a week , to provide you with the assistance you need anytime you need it.

In addition, if it is more convenient for you to contact us by phone from abroad, we will reimburse the cost of your call when you provide us with the receipt.

small islands in colombia

High medical assistance coverage in Colombia  

We emphasize the importance of having travel insurance with sufficient coverage. This will ensure any necessary medical attention, especially since there is no health agreement between Colombia and some countries (always confirm with official sources from your country of residence).

That’s why we’ve provided the IATI Total Comfort travel insurance for Colombia with up to €10,000,000 to cover any medical situation you may face and IATI Star with up to €1.000.000 to cover any health situation. Additionally, you will always receive this attention in the best medical centers and hospitals in the country. 

Coverage of adventure sports in Colombia 

There’s a lot to do and see in Colombia related to its history and culture, but this country also offers a myriad of options for adventure sports and activities that you won’t want to miss. 

Kayaking or rafting in unique environments like Rionegro. Hiking trails in places like Tayrona Park or the Lost City. Diving up to 40 meters deep or snorkelling to enjoy the lush marine life. Cycling through the Chicamocha Canyon. Water sports like surfing. These are some of the plans you shouldn’t miss to make the most of this destination.

You may be surprised to learn that none of these activities is usually covered by most travel insurance policies for Colombia. Thanks to the Adventure Sports coverage, you can enjoy all of them covered by your travel insurance .

No deductibles  

Do you know what deductible insurance is? It means that, in the case of a deductible of 100 euros, you will have to pay the first 100 euros of each assistance during your trip, and the insurance will pay from there. It’s a condition that is often hidden in the fine print.

At IATI, none of our insurance policies has deductibles , and we will cover every cent from the first moment you need assistance during your trip to Colombia with your international insurance.

No advance payment for medical assistance   

After contracting your travel insurance for Colombia, you won’t have to worry about possible medical expenses. Other companies force you to pay the medical assistance costs abroad and then enter a tedious process to get your refund.

With the IATI Total Comfort and IATI Star travel insurances for Colombia, you simply need to contact us when you require assistance. We will quickly direct you to the medical center or hospital where you can receive the best care. After your visit, we will take care of the costs of the visit , possible tests or medications prescribed by the specialist.

If due to an emergency, you cannot contact us before seeing a doctor, you don’t have to worry. When you send us the reports and payment receipts, we will reimburse all the expenses coverage included in your travel policy for Colombia.

Loss of luggage and theft included 

You and your luggage are going to Colombia, and that’s why we’ll also take care of protecting your belongings . Thanks to your IATI Total Comfort insurance, you will have up to 1,500 euros of coverage for cases such as robbery with violence or problems with your luggage. With IATI Star you will also be protected in such cases and you will have up to 2,500 euros of coverage.

mountain with tress and foggy sky in colombia

Cancellation option – cancelling your trip to Colombia  

A trip to Colombia involves buying airplane tickets, reserving hotels, and hiring different activities that you want to do once you are there. Therefore, you may wonder, “What happens if I have to cancel my trip due to a serious reason? Will I lose all my money?” 

At IATI, we have over 135 years of experience as leaders in the travel insurance sector , and we are constantly adapting our products to the new needs of travellers. That’s why, in addition to your travel insurance to Colombia, you can also get the Trip Cancellation Supplement. 

Thanks to this supplement, you can recover up to 2,000 euros if you cannot take your trip due to any of the more than 30 causes listed in the policy.

We will be by your side during your entire trip but also in case you cannot make it.

The coverage of medical travel insurance to Colombia by IATI 

Now that you know the coverage your travel insurance for Colombia should have, you may be interested in learning more about the features offered by the most popular policies among travellers heading to this destination. On the IATI Total Comfort  and  IATI Star  pages, you can find detailed information about our policy and its benefits.

In the following table, as a summary, we show you some of the coverages  if you are travelling from the EU:

If you are travelling from outside the EU, here is the summary of the features of the best travel insurance:

How much does travel insurance to Colombia costs with IATI?  

The cost of your travel insurance for Colombia, is what will convince you of the great quality/price ratio.

As you can see, the price of a two-week trip is lower than the price of one night in a medium hotel, which means that your international insurance will be a minimal cost in your travel budget. 

In addition, this is an expense that will turn into a huge saving in case you need any type of assistance:

How to hire the best travel insurance for Colombia 

You will see that hiring your travel insurance for Colombia is a quick and easy process thanks to IATI’s renewed menu. Follow these simple steps and get it easily:

Enter the following information in the menu:

  • Your place of residence
  • The destination of your trip: Colombia in this case
  • The start and end dates of your trip
  • The number of travellers
  • Type of insurance: travel insurance

Once you fill out the menu, click on “Get a quote” and then select your travel insurance before clicking on “Contract”. At this point, you can add the Trip Cancellation Supplement if you wish. This would allow you to recover up to 2,000 euros of what you invested in your trip if you cancel your visit to Colombia for one of the stipulated reasons.

Then, simply enter your personal information and make the payment. You will immediately receive your policy and contact information via email so you can request assistance with your travel insurance to Colombia if needed.

Useful information for travelling safely to Colombia  

Best time to travel to colombia  .

The best time to travel to Colombia in terms of weather is from december to march. These dates coincide with the so-called “dry season” and ensure a very low amount of rainfall. However, since it is the high season, it is normal to encounter higher prices, so it is necessary to make your reservations well in advance.

Similarly, you shouldn’t worry if you’re travelling at other times. Even if you travel during a rainier season, you can still enjoy your visit to the fullest, as rain is not constant throughout the day.

colorful houses on a street in colombia

Security in Colombia   

Colombia is a welcoming and captivating country that awaits you with open arms. Although it can be said that it is a safe country in its main tourist areas, it is always necessary to take precautions.

Health in Colombia 

As there is no agreement between Colombia and many other countries regarding health, if you need medical attention during your trip, you will have to pay for it out of your pocket. This presents two problems: on the one hand, it is not always easy to find a quality health center or hospital where you can be treated. On the other hand, the prices for medical assistance are very high for tourists , and a simple mishap can ruin your trip.

Therefore, it is essential to have an international insurance policy with broad coverage that considers the characteristics of a trip like this when travelling to Colombia.

Don’t wait any longer and get you travel insurance now to enjoy the adventure you deserve!

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Home » South America » Colombia » Travel Insurance

INSIDER Guide To Colombia Travel Insurance – Must Read!

Whether you’re looking for nature, the party scene or quality coffee, Colombia will not fail to deliver. This South American treasure is one of the most biodiverse countries in the world, the cities are hopping with culture and of course, the nation gave us Shakira.

Colombia’s appeal as a tourist destination has blossomed over the past decade or so. Backpackers love it for its affordability but luxury ecotourism has skyrocketed too. Home to monkeys, jaguars, sloths, and tapirs, and hundreds upon hundreds of birds, it catapults you right into a David Attenborough documentary.

We can ramble on about the delights of Colombia all day. But today, we’ve prepared a special treat for you. Our topic of the day is (drumroll, please), Colombia travel insurance!

travel insurance colombia

Month to month payments, no lock-in contracts, and no itineraries required: that’s the exact kind of insurance digital nomads and long-term traveller types need. Cover yo’ pretty little self while you live the DREAM!

Do I Need Travel Insurance For Colombia?

What should travel insurance in colombia cover, what is the best colombia travel insurance, how to choose the right colombia travel insurance for you, final thoughts on colombia travel insurance.

Laureles, Medellin

Part of the allure of Colombia might be down to its reputation for being just a teensy bit dangerous – it certainly appealed to me anyway. We’re not going to deny that the nation has a sketchy reputation for crime, but in reality, things in Colombia have come a long way since the bloodthirsty days of the 80’s. Travel insurance is not a mandatory requirement for entering the country but you should certainly think about it.

Civil unrest and protests do occur in Colombia but overall, the nation is currently more stable than neighbouring Latino countries. As a tourist, any political activity shouldn’t affect you much, but the FCO recommends steering clear of such events. Note that getting involved can void travel insurance.

Express kidnapping (secuestro exprés) used to be an issue in Colombia but reported instances have decreased significantly since 2016.  Nowadays in Colombia, you’re far more likely to be the victim of pickpocketing. Or twisting your ankle while trying to salsa after too many shots of aguardiente…

Need more convincing? Check out these other reasons why you should have travel insurance !

travel insurance colombia

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Healthcare in Colombia

Good news for accident-prone wanderers planning on hitting up Colombia! Healthcare in Colombia is rated to be the best in Latin America. It ranks at #22 in the world , says the World Health Organisation (WHO) coming in at way ahead of the US at #37. Furthermore, 18 of the top 44 Latin American hospitals can be found in Colombia! So if you do need to flex your Colombia travel insurance in Bogotà, you’re in safe, hygienic hands. However, whilst the statistics may say one thing, the on the ground reality can be quite different.

The healthcare system in Colombia is three-tiered . Colombians living in poverty receive free, government-subsidised attention but the standard is pretty low and access to care can be non-existent in rural parts of the country.  Medicina Prepagada is Colombia’s private healthcare system and is available to tourists in Colombia who require it and can pay for it.

Medical care in Colombia is much cheaper than in the US or Europe and a consultation with a general practitioner will start at around COP$40,000 ($10- USD). Specialists will set you back from around COP$150,000 ($39 USD). But diagnostics, treatments, and medicines can soon add up, making that travel insurance in Colombia look pretty tasty.

Note that you may be asked to pay upfront even when you are bleeding, I was refused help at an emergency hospital because I did not have my insurance certificate on me so either carry it with you, or make sure you have a major credit card to show.

Your final takeaway is that making an appointment at a Colombian hospital or clinic is easy as pie, and the Colombian way is that healthcare is available for everyone. Some hospitals will request proof of your Colombian travel insurance or payment upfront before non-emergency treatment.

Crime in Colombia

When in Colombia, ‘don’t give papaya’.  This is a Colombian saying which basically means, don’t let yourself be taken advantage of. Don’t flash your cash, don’t waggle your new iPhone around, and don’t sport too much bling. Theft is rife in Colombia and is the main crime to be wary of as a tourist. This might be from sly pickpocketing or more aggressive tactics.

Be very cautious about ‘ Devil’s Breath ’; tourists are spiked by this horrible drug in bars and clubs and then robbed by the perpetrator – sometimes they lead their victims to ATMs and instruct targets to flush their bank accounts. Covering your valuables on your travel insurance in Colombia is therefore well worth thinking about.

We’ve all heard about Pablo Escobar and know that Colombia is famous for its relaxed approach to drugs that are illegal in most countries. Carrying a small amount of marijuana or cocaine on your person isn’t a crime in Colombia but selling and buying drugs IS illegal. Dealers target holidaymakers, particularly the backpacker crowd, by loitering around hostels, nightclubs, and tourist attractions. Scams are common; don’t be lured in by ‘free samples’ offered on the street.

Kidnappings have reduced by a whopping 92% since 2000. Plus, the homicide rate in Colombia is on the decrease and has stabilised since 2014. In 2019, there were approximately 25.4 homicides per 100,000 inhabitants in Colombia . Gun violence is rare enough not to raise an eyebrow, and the risk of terrorism is lower than, say, London. The influx in tourism and Colombia as a digital nomad utopia has certainly helped polish up Colombia’s shady side.

Issues Facing Travellers in Colombia

Things can go wrong on the road in any country, and Colombia is no different. These are the main issues where snapping up that travel insurance for visitors to Colombia can come in handy.

  • Theft – we’ve covered this already but just to hammer home that this is the situation that is most likely to arise in Colombia. Pickpocketing, muggings, spiked drinks, and withdrawing cash from ATMs up your risk. We’ve rounded up the best insurance for your trip to Colombia should this happen.
  • Natural hazards – 15 active volcanoes are found in Colombia. Activity rarely causes much of a disturbance, but visitors to Colombia might do to seek protection travel insurance. Same goes for earthquakes (which happen regularly) and flooding that can impact tours and transport.
  • Infectious diseases – dengue, Zika and other mosquito-borne infections are common in Colombia. Wear protection and get your travel jabs. Be mindful of heat exhaustion and altitude sickness, which can make you feel unwell although rarely warrants hospitalisation.

and let us not forget misadventure. The rum flows freely and a certain white powder is very popular amongst backpackers. We’re not here to preach but take it from us, it is easy to get carried away and cardiac arrests from over-indulgence are pretty common. Note that most travel insurers, will not want to pay out if your claim is related to drink or drugs in any way.

Common Activities in Colombia

Marvellous Colonial architecture, cultured cities, Latino charm, and fresh coffee beckons wanderers to Colombia. You can fill your days with a myriad of activities that are totally safe. But most visitors want to encounter the great outdoors and try a couple of activities – such as…

  • Trekking – One of the main things to do in Colombia is lace up your hiking boots and move your legs. The nation is littered with dense rainforests, national parks, cascading waterfalls, and scenic valleys. There’s the phenomenal Lost City trail. Colombia is best explored on foot, so try not to break one.
  • Wildlife tours – Including whale watching cruises, birdwatching in the Amazon, and scuba diving in Colombia’s Caribbean coastline. Stepping into the jungle increases your risk of being bitten by something, and diving may or may not be in your Colombia travel insurance by default
  • Surfing – One of the most popular things to do in Colombia is hit the surf. It’s not a bad place for beginners, and it’s a great way to cool down from the Latino heat!

Once you’ve sussed out what you want to do in Colombia, look at your travel insurance options closely. We know it’s dreary, but the cheapest travel insurance might not cover your Colombia wishlist. Bear in mind you might need to tick a couple of optional extras.

packable travel medical kit

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

Chapinero

As a rule, most Colombia travel insurance will include the following;

Emergency Accident & Sickness Medical Expenses

Baggage and personal property, emergency evacuation and repatriation, non-medical emergency evacuation, trip cancellation, trip interruption.

These are key terms to look out for when comparing insurance policies. Let’s take a closer look at what each one of these actually means.

The headline for most travel insurance policies is emergency medical costs. If you are in a car crash or come down with meningitis, you want to rest easy knowing that any ensuing medical costs will be taken care of.

In case you have never seen a medical bill, let us assure you that they can be expensive. A friend of mine once racked up costs of $10,000 in Costa Rica and then a nasty infection in Thailand cost him $2,000.00 for just 2 days in hospital. Ouch.

Pre-existing medical and health conditions may not be covered or may come at an additional premium.

Ideally, Emergency Accident & Sickness Medical insurance should offer at least $100,000.00 of coverage.

Baggage and Personal Stuff coverage covers the value of your personal property. It’s most common application is for lost luggage and. Many policies also extend this to cover “on the ground” theft.

The limits on this vary between policies but rarely exceed $1000 with a maximum item value between usually up to $500.

This is fine for many travellers but if you travel with a lot of electrical gear (laptop & camera), you may also wish to think about taking out a separate gadget cover.

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Want more deetz on why these packs are so  damn perfect? Then read our comprehensive review for the inside scoop!

Emergency evacuation covers the cost of sending you back to your home country in a sickbed. Let’s say that the above mentioned car crash is a nasty one and the decision is taken to send you home for further treatment; this will take care of the high, associated costs.

Repatriation is the cost of sending your earthly remains home in the tragic event you die overseas. The costs of this are generally huge, and it is not a burden I would want to leave to my family. Whilst this is rare, every now and then I do come across a Facebook or “Go Fund Me” page for somebody’s body to be flown home.

Non-medical Emergency Evacuation is when you have to be evacuated from your destination because of some unexpected crisis. Classic examples are outbreaks of war/civil unrest and earthquakes that decimate infrastructure. In recent times, the Corona COVID-19 outbreak created the biggest international emergency evacuation situation ever. (FYI – it straddled both the medical and non-medical evacuation boundaries).

Emergency evac insurance covers the costs of having to book a last minute flight ( which can be expensive ) and will also cover accommodation costs if you end up being flown to a random, “safe” country rather than going straight home.

Being forced to cancel a trip you were looking forward to sucks. But being left out of pocket just rubs salt into that festering wound. Trip Cancellation cover can help you recover non-refundable costs such as booked flights and hotel costs.

Note that you can’t claim under this simply because you changed your mind or broke up with your boyfriend. Acceptable cancellation reasons are things like sickness, family emergencies, bereavement, natural disaster and war – you get the gist.

Trip Interruption is when something goes wrong with a part of your trip leaving you out of pocket. For example, when your hotel burns down and you are forced to book another one. Or when your flight home is cancelled and you need a few extra nights at your hotel. These are just a few examples of when you may need to reply on trip interruption.

La Candelaria

Anything Else?

The above is what we consider to be the basic, bare-bones of travel insurance policies. However, some policies do offer a few more aspects and the best Colombia travel insurance policies may also offer the following;

Adventure Sports and Activities

Note that some travel insurance policies do not cover adventure sports and activities. The definition of adventure sports and activities does vary between providers but for example, can include;

  • Paragliding
  • Soccer practice….

If you are even considering doing anything physical or outdoorsy on your trip, it is wise to check that your insurance provider is covering it. Broken ankles hurt enough without having a $5k Doctors bill attached to them.

Accidental Death and Dismemberment

This one doesn’t cover any travel related expenses but instead it basically provides you, or your family with some compensation in the event that something awful happens to you. If you die, your loved ones get a payout. Or, if you lose a finger or something, YOU get a payout.

It’s like having a bit of life cover attached to your travel insurance. I know that not everybody is altogether comfortable with the concept of pay-outs for life & limb – I guess it kind of goes something like this;

“Well dear, I’m afraid there is good new and bad news. The bad news is that our beloved son little Jimmy died on his trip to Colombia. The good news is that we get $10k! Colombia here WE come!”

Gear and Electronics Cover

Some insurance policies cover electronic gadgets and some don’t. Those that do, may charge an additional fee, and they generally limit the maximum item value. If you only travel with a phone or tablet, your travel insurer may well cover it entirely. On the other hand, if you are traveling with a decent laptop then you may wish to consider obtaining gadget cover.

I have personally had gadget cover on my MacBook Pro for years.

mockup of a person holding a smartphone in white background with Holafly logo

A new country, a new contract, a new piece of plastic – booooring. Instead, buy an eSIM!

An eSIM works just like an app: you buy it, you download it, and BOOM! You’re connected the minute you land. It’s that easy.

Is your phone eSIM ready? Read about how e-Sims work or click below to see one of the top eSIM providers on the market and  ditch the plastic .

El Poblado Neighborhood

Whilst they may all seem the same, not all insurers are. Some insurers offer lower prices than others and others offer higher coverage amounts. Some are infamous for not paying claims whilst others are celebrated for being fair and helpful.

Travel insurers – always the same yet always different. It isn’t possible (or legal) for us to say that anyone of them is the best, or is “better” than the others. No. Insurance is a very complex product and any policy takes into account a whole lot of data and a wide set of variables.

Remember that the “best” travel insurance always depends on where you are going, when you are going there and ultimately upon you and your needs. The best travel insurer for one trip, may not be the best for a different trip.

Below, we will introduce a few of the many travel insurance providers on offer. These are all firms we have used ourselves over the years.

SafetyWing are a relatively new player in the travel insurance space but are already making big waves. They specialise in cover for digital nomads and they offer open ended cover on a monthly subscription basis. Because they primarily cover digital nomads, they don’t offer much in the way of trip cancellation or delay so do take that into consideration.

However, SafetyWing really excels on the health side of travel insurance, covering dental and some complimentary treatments. In fact they even allow young children to be covered for free.

If cancellation and delay is not a concern for you or if you will be spending some considerable time on your trip, then maybe SafetyWing are right for you

Emergency Accident & Sickness Medical Expenses – $250,000 Baggage and Personal Property – $3000 Emergency Evacuation and Repatriation – $100,000 Non-Medical Emergency Evacuation – $10,000 Trip Cancellation -$0 Trip Interruption – $5000

If you need more information or want to get a quote, then you can visit the website for yourself.

Talk about efficient and effective, Heymondo are up-to-date when it comes to combining travel insurance with technology in the digital world of 2022. What truly sets them apart is their assistance app offering a 24-hour medical chat, free emergency assistance calls and incident management. How reassuring is that?! They also have a convenient and complication-free way to make a claim straight from your phone.

Medical expenses are covered up to $10,000,000 USD so try not to damage yourself anything over that amount… If you’d like travel insurance that operates with that little extra swiftness and ease, give these guys a go. They offer multiple options – single trip, annual multi-trip and long stay. We’ve focused on single trip, but do check out the others and find what fits your next adventure.

  • Emergency Accident & Sickness Medical/Dental Expenses –$10,000,000 USD
  • Baggage and Personal Property – $2,500 USD
  • Repatriation and Early Return – $500,000 USD
  • Non-Medical Emergency Evacuation – $10,000 USD
  • Trip Cancellation – $7,000 USD
  • Trip Disruption – $1,500 USD
  • Covid 19 coverage included in all plans

If you need more convincing, click the link below to get 5% off your Heymondo travel insurance plan!

Columbus Direct

Named after one of history’s greatest (and most divisive explorers), Columbus Direct also specialise in insuring adventure-hungry explorers like us. They have been providing award-winning insurance for 30 years. What we like about this plan is that it does cover small amounts of personal cash. However, Gadget Cover is not available.

Columbus Direct actually offers a number of different travel insurance plans. Below we have focused on 1 of these and have set out the coverage amounts for the Globetrotter plan. As Colombia is name after Columbus, it would be plain rude not to even consider these guys!

Emergency Accident & Sickness Medical Expenses – $1,000,000 Baggage and Personal Property – $750 Emergency Evacuation and Repatriation – $1,000,000 Non-Medical Emergency Evacuation – $0 Trip Cancellation -$1,000 Trip Interruption (“Catastophe”) – $750

World Nomads

Since 2002, World Nomads have been protecting, connecting and inspiring independent travelers. They offer simple and flexible travel insurance and safety advice to help you travel. If you leave home without travel insurance or your policy runs out, you can buy or extend while on the road.

World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

Iati Seguros

Iati Seguros is a Spanish based travel insurance company who we have personally used and loved. You will notice that they provide competitive cover amounts for the key travel insurance areas, and are competitively priced. So far we have heard nothing but good things about them.

They also offer multiple ones, but we have focused on the Standard Plan although we wholly encourage checking out all plans for yourself to identify the best one for your needs.

Standard Plan

Emergency Accident & Sickness Medical Expenses – $200,000 Baggage and Personal Property – $1000 Emergency Evacuation and Repatriation – 100% of cost Non-Medical Emergency Evacuation – $0 Trip Cancellation -$1,500 Trip Interruption – 100% of cost

Insure My Equipment

Insuremyequipment.com does precisely what the name suggests. They are an online insurer for expensive equipment (like camera gear & gold clubs). You can use them to get specific pieces of gear insured but please bear in mind this policy is only for your specified gear.

An Insure My Equipment policy works well in combination with other travel insurance. Insure My Equipment policies are an excellent choice for professionals and backpackers with more $0000’s  worth of camera equipment, expensive laptops or fishing rods.

I also know a few travelling musicians and DJs who use these guys so you are in cool company.

Belen Neighborhood

Choosing the right travel insurance for your Colombia holiday is like choosing a pair of shoes. Only you can really say how well they fit, and how many miles you can manage in them.

To decide who the right insurer for you is, you need to add up how much your trip is worth, how much equipment you plan to take with you and what activities you intend to engage in.

You also need to ask yourself how much you can afford. This means how much you can afford to pay for cover but also how much you can afford to be out of pocket in the unlikely event of an incident. Sometimes, the cheapest Colombia travel insurance will be enough and sometimes it will be worth spending a bit more.

Hopefully the information provided in this post will help you to decide. If not, then I  guess I just wasted 7 hours of my life in writing it.

Safety in Colombia Backpacking Colombia

Best Hostels in Colombia Packing List in Colombia

So that’s it, your comprehensive guide to health, crime and safety in Colombia. By now, you should know what you need to look for when scouting out the best insurance for your Colombia adventure.

Now, breathe in a great big sigh of relief. Time to turn your attention to planning your trip! We’ve got tonnes of insider guides and travel tips for Colombia. Where to stay, what to do, the whole works. Whether you’re travelling on a shoestring or fancy ducking into a deluxe eco-resort, you’ll have a blast! Happy travelling, and remember what the Colombians say – don’t give papaya!

travel insurance colombia

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Aiden Freeborn

Aiden Freeborn

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Travel Insurance for Colombia: Buyer’s Guide

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Colombia, a country known for its vibrant culture, lush landscapes, and captivating history, offers a wealth of experiences for travelers.

But, as any savvy investor or Rich Dad fan knows, it’s essential to protect your assets, and that includes securing the right travel insurance policy for your trip.

First things first – let’s talk about the healthcare system in Colombia.

The country boasts a well-developed healthcare infrastructure, ranking 22nd in the world by the World Health Organization.

However, medical costs can still add up, especially if you need to be evacuated or require specialized treatment.

Travel insurance helps protect your finances in case of a medical emergency.

It’s not obligatory, but you’d be wise to invest in travel insurance.

Don’t tempt fate and risk being caught off guard; enjoy your trip with peace of mind knowing you’re covered.

In this article...

Safety Concerns and Risks in Colombia

While Colombia has made significant strides in improving its safety and security, it’s important to be aware of potential risks, such as petty crime, drug trafficking, and occasional civil unrest.

Travel insurance can provide coverage for unforeseen incidents, ensuring that you’re not left out of pocket in case of any mishaps.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Medical Evacuation and Repatriation Coverage

Rich Dad would advise you not to skimp on medical evacuation and repatriation coverage.

If you need to be transported to a different country or back home due to a medical emergency, these costs can be astronomically high. It’s essential to have a policy that covers these expenses.

Adventure Sports and Activities Coverage

For adventurous travelers seeking adrenaline-pumping experiences in Colombia, it’s crucial to ensure your travel insurance policy covers the specific activities you’ll be participating in. From paragliding to scuba diving, make sure you’re covered.

Pre-existing Conditions Coverage

If you have a pre-existing medical condition, you’ll want to find a policy that offers coverage for any potential complications related to your condition while traveling. Rich Dad says it’s always better to be prepared.

Emergency Medical and Dental Coverage

You don’t want to be caught off guard by a medical or dental emergency while in Colombia. Choose a policy that provides sufficient coverage for these expenses, so you can focus on getting better instead of worrying about the bills.

Personal Liability Coverage

Accidents can happen, and if you’re found responsible for injuring someone or damaging their property, personal liability coverage can protect you from the financial consequences.

Trip Cancellation, Interruption, and Delay Coverage

Life can be unpredictable, and sometimes plans change. Invest in a policy that offers coverage for trip cancellation , interruption, and delay to protect your hard-earned money in case of unexpected situations.

Baggage Loss, Theft, or Delay Coverage

Lost, stolen, or delayed baggage can be a significant inconvenience during your trip. Select a policy that offers coverage for these incidents to help cover the cost of replacing your belongings or purchasing essential items.

Top Travel Insurance Providers for Colombia

Several travel insurance providers offer coverage for trips to Colombia. Some of the top providers include:

a. World Nomads:

Known for their comprehensive policies and excellent customer service, World Nomads offers coverage for a wide range of adventure sports and activities.

b. Allianz Global Assistance:

A popular choice for travelers, Allianz Global Assistance provides various policy options and 24/7 customer support.

c. Travelex Insurance Services:

Travelex offers customizable travel insurance policies, allowing you to choose the coverage that best suits your needs.

d. IMG Global:

With a focus on international medical coverage, IMG Global is an excellent option for travelers with pre-existing conditions or those in need of long-term policies.

Already in Colombia and Realizing You Need Insurance?

Fear not! Some accommodating providers, like World Nomads, let you purchase insurance even after your journey has commenced. But seriously, next time, be proactive and get insured before you hit the road.

How Much Colombian Coverage Should You Grab?

The coverage amount varies depending on your unique circumstances and exhilarating plans.

As a rule of thumb, go for more coverage than you think necessary—unexpected expenses can pile up faster than a caffeine-fueled Colombian dance party.

Sneaky Exclusions Lurking in Your Colombian Travel Insurance Policy

Oh, absolutely! Keep an eagle-eye on that fine print: policies might have specific exclusions like pre-existing conditions, high-octane sports, or incidents involving substances.

So, study those terms and conditions and double-check your policy covers your every need.

Falling for Colombia and Wanting to Extend Your Stay? What About Your Insurance?

No worries!

Many travel insurance providers are quite accommodating and allow you to extend your policy if your love affair with Colombia lasts longer than expected. Just give them a call before your policy expires to discuss your options.

In conclusion, traveling to Colombia can be an extraordinary adventure, but securing yourself with the right travel insurance is crucial.

Follow this guide, and you’ll be ready to face whatever twists and turns Colombia has in store.

Safe travels, and happy exploring!

a. Is it obligatory to have travel insurance for Colombia, or can I wing it?

Well, my friend, although it’s not mandatory , it’s a smart move to invest in travel insurance. Don’t gamble with the unexpected; enjoy a carefree trip knowing you’re covered.

b. Hold on! I’m already in Colombia—can I still buy travel insurance?

You bet! Some generous providers like World Nomads let you purchase insurance even after your adventure has commenced. But remember, it’s always better to be proactive and get insured before your journey starts.

c. How much coverage should I snag for my Colombian escapade?

The coverage amount hinges on your individual circumstances and the thrilling activities you have planned. A good rule of thumb is to aim for more coverage than you think you’ll need because, let’s face it, costs can skyrocket in no time.

d. Any sneaky exclusions I should be aware of when shopping for Colombian travel insurance?

Absolutely! Policies might have specific exclusions like pre-existing conditions, certain adrenaline-pumping sports, or incidents involving drugs or alcohol. So, scrutinize that fine print and double-check your policy covers everything you require.

e. What if I fall in love with Colombia and want to extend my stay?

Can I stretch my insurance too? Fear not, many travel insurance providers are quite flexible and allow you to extend your policy if you decide to prolong your journey. Just give them a buzz before your policy expires to explore your options.

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Travel Insurance: Meets the Health Insurance Requirement for Colombia Visas – 2024 Update

Colombia now requires health insurance when applying for visas, and we look at inexpensive travel insurance meeting this health insurance requirement, updated for 2024.

Many Medellin Guru readers have asked about health insurance needed for visas. So, we partnered with ASSIST CARD who offers a relatively inexpensive travel insurance policy that meets the health insurance requirement for Colombian visas.

ASSIST CARD has a new insurance offering designed for new foreigners in Colombia applying for Colombian visas, which is a policy without an age restriction.

Below, you will find access to the OFFICIAL assistcard website, where you can quote and buy your insurance policy. 

Assist Card

Click on the green button to get the insurance

Travel Insurance Features

The insurance is provided by ASSIST CARD , a multinational company dedicated to the provision of international assistance services with worldwide health networks and healthcare providers.

ASSIST CARD has been SURA’s provider for over 50 years, offering the international coverage under SURA’s Private/Prepagada Insurance Plans. 

The travel insurance provided by ASSIST CARD is confirmed to meet the requirements for international health insurance for Colombian visas and does not have an age limit.

The Travel Insurance from Assist Card has four standard plans and one plan for students:

ANNUAL PLAN AC 35

  • Medical Assistance: USD 35,000
  • Medical Prescription: USD 800

ANNUAL PLAN AC 60

  • Medical Assistance: USD 60,000
  • Medical Prescription: USD 1,000
  • Loss of baggage: USD 1,200

ANNUAL PLAN AC 150

  • Medical Assistance: USD 150,000
  • Medical Prescription: USD 2.000
  • Loss of baggage: USD 1.200

ANNUAL PLAN AC 250

  • Medical Assistance: USD 250.000
  • Medical Prescription: USD 2.500
  • Medical Assistance: USD 110,000

Assist Card

The following table shows some of the features of the AC60 plan from ASSIST CARD, with $60,000 USD in coverage:

Features of the AC60 travel insurance policy

Travel Insurance Costs

The cost of travel insurance can vary based on your specific requirements, such as age, coverage amount, and duration. For instance, for the AC60 policy offering $60,000 USD in coverage, prices range from $347 USD for 3 months to $950 USD for one year, with variations based on age.

For a one-year policy, individuals under 70 can expect to pay around $950 USD, while those aged 70 to 74 would pay approximately $1,425 USD, and individuals aged 75 or older would pay about $1,900 USD.

Alternatively, for a 3-month policy, costs range from $347 USD for those under 70, $520 USD for ages 70 to 74, to $693 USD for individuals aged 75 or older. These prices are estimates and may vary based on individual circumstances and specific policy terms.

New ASSIST CARD Insurance Designed for Colombian Visas

ASSIST CARD now has a new insurance offering designed for new foreigners in Colombia applying for Colombian visas with the following features:

Accident, illness, maternity, disability, hospitalization, death or repatriation.

Repatriation

Emergency repatriation in case of illness or death.

Coverage per event

Amounts covers for the maximum of each type of policy for each event.

Differences Between Travel Insurance and Comprehensive Health Insurance

Comprehensive health insurance in some countries won’t cover you when you travel to another country, which is why travel insurance is needed.

However, Colombia’s private health insurance (prepagada) can cover travel with ASSIST CARD. Travel insurance is included with SURA’s private health insurance (prepagada).

Travel insurance for healthcare coverage is limited to emergency treatments for acute symptoms and are aimed at assistance when sudden and unpredictable events occur with a clear, verifiable and acute disease has been diagnosed. Travel insurance is not meant for long-term medical procedures.

This travel insurance plan covers a series of events not only related to health, such as loss or delay of luggage, cancellation of travel, a lost passport, and many other events. 

In comparison, private comprehensive health insurance in Colombia such as Plan Clasico at SURA covers unlimited hospitalization, surgeries, medical treatment for catastrophic illness, side effects from quimiotherapy, organ transplants, lower and upper body prosthetic, and unlimited doctor visits.

Also, with comprehensive, no referral needed to see a specialist, unlimited lab exams are permitted, there is no out-of-pocket deductible, includes access to the best hospitals in the country, urgent care in all hospitals, urgent care at home, and a private room in all hospitals.

Why Obtain Travel Insurance?

Colombia now requires an international health insurance policy to apply for new Colombian visas. And this travel insurance policy from ASSIST CARD meets the requirement. Note that visas are now generally granted for the insurance policy term.

Also, you can obtain private health insurance to meet the visa insurance requirement. Either travel insurance or private health insurance can meet the insurance requirement for Colombian visas.

After obtaining a travel insurance policy (or private health insurance), you can obtain a Colombian visa.

Please note that you must keep your insurance policy active for the entire validity of your visa. Otherwise, the visa may be canceled. 

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Colombia Visa FAQ: Frequently Asked Questions About Colombia Visas – 2023 Update

Medellin Guru has received thousands of questions about Colombia Visas. So, we prepared a Colombia Visa FAQ: Frequently Asked Questions About Colombia Visas - Medellin Guru

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Are you planning a trip to Colombia? The right health insurance is crucial, especially when applying for a Colombian visa. Assist Card stands out as the premier option for travelers seeking comprehensive coverage and peace of mind during their stay. This blog will explain why Assist Card reigns over other...

Colombia has many different Colombian visa options, enabling you to stay in the country for a year or more. We provide 2023 updates to Colombia's visa rules.

In response to the rising digital nomad and remote work trend, Colombia now offers a Digital Nomad Visa. Since the implementation of Resolution 5477 in October 2022, Medellin Guru, in partnership with Expatgroup, has assisted foreigners in securing migratory stability while working remotely. This visa allows expats to leverage their...

Explore Medellin Guru's Visa Services for seamless guidance on colombian visas. Our expert partner expatgroup.co offers comprehensive assistance for expats, ensuring a smooth transition to life in Colombia. Trust us for accurate, up-to-date visa advice.

Getting a Marriage Visa is a crucial step in Colombia. This process, though intricate, is a vital bridge to your shared future. If you're looking to obtain a Marriage Visa, here's what you need to know to ensure a successful application. Start by gathering the necessary documentation and submitting a...

Colombia's retirement visa is easy to get with a low-income requirement and few documents needed. We provide a 2023 update with recent visa changes.

We provide a comprehensive Colombia visa guide that shows how to get a Colombian visa with all visa options and tips for getting a visa – updated for 2023.

Medellin Guru has received thousands of questions about Colombia Visas. So, we prepared a Colombia Visa FAQ: Frequently Asked Questions About Colombia Visas.

We look at the most popular Colombian visas for foreigners based on the experience of 530 Medellin Guru readers. Which visa is the most popular? 

Colombia's resident visa is intended for foreigners who wish to live full-time in Colombia. We provide 2023 updates to the resident visa rules.

Colombia's rentista visa is intended for foreigners who receive income from a fixed income source like an annuity, rental property, dividends or interest.

Colombia has over 25 types of visitor visas. We provide up-to-date 2023 information on how to obtain a Colombia visitor visa (Colombia V visa).

Colombia's expertise visa is intended for foreigner professionals who want to practice a profession in Colombia such as an architect or electrician.

Once a foreigner receives a Colombia Migrant (M) or Resident (R) visa, family members of this foreigner become eligible for a Colombia beneficiary visa.

Colombia's work visa is intended for foreigners who have a job in Colombia. We provide 2023 updates to the Colombia work visa rules.

After you obtain a Colombian visa and cedula (Colombian ID), depending on your visa type, you can also obtain private health insurance or EPS Entidadas Promotoras de Salud , which is the  public health insurance in Colombia .

Note that EPS can be difficult to enroll, and agents normally will not help enroll with EPS due to EPS not offering commissions. Also, EPS requires a cedula, and EPS cannot be used for travel. Private health insurance in Colombia can be obtained with a passport or cedula and used to travel.

If you plan to live in Colombia full-time and can afford it, private health insurance is recommended, as it offers private rooms in private hospitals, a huge network of providers, no need for authorizations for specialists, and diagnostics do not need authorization.

In addition, if you are a tourist , you can obtain this travel insurance for a shorter duration, and it will cover you while you are in Colombia or traveling in other parts of the world.

The Medellin Guru Insurance Service

Features of the Medellin Guru Insurance Service

Medellin Guru partnered with an insurance agent to offer Colombian insurance services to foreigners including health insurance, auto insurance, homeowners’ insurance, travel insurance and life insuranc e. You can get any type of insurance in Colombia from this partnership.

Bilingual Assistance

English & Spanish speakers.

Online Quotes

Get immediate estimates.

Free Consultations

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Many Medellin Guru readers have obtained insurance in Colombia through our insurance agent partnership, including health insurance, auto insurance, homeowners insurance, life insurance, and travel insurance.

With over ten years of experience, they design the plan that best fits your needs, allowing you to enjoy your life abroad.

Our insurance partnership is an affiliate relationship (like the Amazon affiliate program). If you use our Colombian insurance partner, Medellin Guru receives a small commission and you support this website. This is at no additional cost to you . The price remains the same whether you use a button or affiliate link on this website or not.

Why Comprehensive Insurance May Be Better Than Travel Insurance

Comprehensive health insurance plans offer extensive medical coverage surpassing typical travel insurance policies.

Surprisingly, the cost for the lowest tier of comprehensive health insurance can be comparable to or even lower than that of travel insurance. Notably, this comprehensive health insurance is accessible to foreigners with just a passport and can fulfill visa requirements.

The coverage includes hospitalization in all major private hospitals in Colombia with private room accommodation, unlimited diagnostic exams with no copay or pre-authorization necessary, unlimited doctor’s visits with no need for referrals to specialists, unlimited lab work, and coverage for organ transplants, including both donor and insured client.

Additionally, it encompasses prosthetics for both the lower and upper body, chemotherapy side effects, treatment for catastrophic illnesses, physical therapy, and visits to alternative medicine practitioners.

Moreover, it includes travel insurance through Assist Card for up to 90 days with a maximum coverage of US $50,000 for accidents or emergencies while traveling outside Colombia. Coverage extends to pregnancy, obstetrician visits, baby resonance, and automatic coverage for newborns.

There are no out-of-pocket deductibles under any circumstance, and the insurance includes emergency care at any of their hospitals, emergency at-home care, and 24/7 coverage for accidental or emergency dental care.

Frequently Asked Questions about Travel Insurance

Yes, the AC 35 and AC60 have no age limit, which means that can be acquired for people aged 75 or older. There is no age limit.

Yes, comprehensive health insurance can be obtained with just a passport and used for a visa.  With comprehensive health insurance you will receive a contract (Policy), a payment receipt, Digital ID SURA Card and a letter from SURA for Migracion informing that the plan includes unlimited hospitalization and surgeries.

Yes, people from anywhere in the world can obtain this travel insurance.

You can use Colombian EPS insurance for renewals, but it is the discretion of the government to ask for more insurance guarantees. In some cases this has happened and in others it has not based on the experience of the visa agency we partnered with.

Yes, you need an international health insurance policy to apply for a visitor visa and some migrant visas, and the travel insurance in this article meets the requirement or comprehensive health insurance also meets the requirement. 

Yes, but only on a very limited basis, limited to $300 USD for a $60,000 USD policy.

Yes,  ASSIST CARD works with some of the best hospitals in Medellín including Hospital Pablo Tobón Uribe and Clínica las Américas. 

Also, ASSIST CARD is the partner of SURA, the largest insurance company in Colombia. In addition, our insurance agent recommends ASSIST CARD.

Hospital Pablo Tobón Uribe, the best hospital in Medellín

Medellin Guru's Visa Partnership

In addition to partnering with an insurance agent, Medellin Guru partnered with what we believe is the best visa agency in Medellín to offer Colombia visa services.

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Successfully Aproved Visas

Through this service we have helped, digital nomad, beneficiary, permanent partner, medellin guru visa service.

The visa agency we partnered with has helped 1.089 Medellin Guru reader

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Medellin guru's colombian insurance and healthcare articles.

  • Continental Assist: A vital ally to apply for a visa in Colombia
  • Travel Insurance: Meets the Heath Insurance Requirement for Colombia Visas
  • Auto Insurance in Colombia: A Guide to Colombian Auto Insurance
  • Homeowners Insurance in Colombia: A Guide to Colombian Homeowner Insurance
  • Medellin Guru Insurance Service: Providing Colombian Insurance
  • Colombia has 24 of the Best Hospitals in Latin America
  • Emergency Surgery: Expat Experience in Clínica León XIII in Medellín
  • Healthcare Colombia: HCA Clinic Offers Services to U.S. Veterans in Colombia

Medellin Guru's Comprehensive Visa and Passport Series

The  Colombian visa changes that went into effect in mid-October 2022 were significant. So, on the Medellin Guru site, we have a comprehensive series of visa articles that are kept up-to-date and should answer most visa questions. These articles include:

  • How to Obtain a Colombian Visa with Up-to-Date Info – an overview of all the Colombian visas
  • Popular Colombian Visas for Foreigners: Which Visa is the Most Popular?
  • Colombia Visa FAQ: Frequently Asked Questions About Colombia Visas  
  • Travel Insurance: Meets the Health Insurance Requirement for Colombia Visas
  • Visa Agencies: A Guide to Visa Agencies in Medellín and Colombia
  • 9 Common Colombian Visa Mistakes: How to Avoid Them

We have looked in detail at the seven most popular Colombian visas used by foreigners:

  • Digital Nomad Visa
  • Retirement visa
  • Marriage visa
  • Investment visa
  • Resident visa
  • Student visa
  • Visitor visa

Also, we have looked in detail at three additional Colombian visas, which are less popular for foreigners:

  • Rentista visa (annuity visa) – for foreigners with a fixed income
  • Beneficiary visa – for relatives of visa holders
  • Expertise visa – for professionals

In addition, we have a guide to Colombia  tourist visas and how to extend a tourist visa . Also, we have a  guide to renewing U.S. passports in Colombia  and a  guide to obtaining a Colombian passport .

Furthermore, we provide information about  travel insurance  that meets the insurance requirement for Colombian visas. And we have a guide to how apply for a  cedula extranjeria  in Colombia and a  guide to using notaries in Medellín and Colombia . Finally, Medellin Guru has partnered with a visa agency to offer  Colombia visa services .

All of our Colombia visa articles were updated in 2022 to ensure they are up-to-date and are being updated again in 2024. In addition, all visa articles on this website will be kept up-to-date as new details are disclosed.

The Bottom Line: Travel Insurance that Meets the Heath Insurance Requirement for Colombia Visas

Colombia now requires an international health insurance policy when applying for new Colombian visas. The insurance agent we partnered with offers a relatively inexpensive insurance policy from ASSIST CARD that meets this requirement.

In addition, this travel insurance policy is appropriate for tourists who are in Colombia or traveling to Colombia or other parts of the world for shorter durations.

Over 230 Medellin Guru readers have obtained insurance in Colombia through our insurance agent partnership, including health insurance, auto insurance, homeowners insurance, life insurance, and travel insurance.

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31 thoughts on “Travel Insurance: Meets the Health Insurance Requirement for Colombia Visas – 2024 Update”

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Hi Im 67 male, im going for nomad visa, i had a bypass operation sept last year, every ok, but what will my premium for the min insurance i need for the visa.

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Hello Rudi. At Medellin Guru, we partner with the two best insurance companies. We invite you to quote with them, and they will give you specific instructions about your case. Here you can consult: https://medellinguru.com/get-insurance-in-colombia/

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Great read, now following!

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Jeff I am considering using your partner on renewala. I had an “M” visa the last 3 years expiring around Feb 21 this year. What visa do I need to apply for? Is it the same M visa. The online application I tried to complete from the US where I am now, did not ask for health insurance information, but asked for many other documents. What is the bottom line on requirements for renewal for me returning to Colombia after a 2 months absence? Thanks

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Do I need to have travel/health insurance if I am arriving on a passport and using that as the “automatic” visa? That is, I am a US citizen arriving on a flight on the 14th of November, ie in a few days, am I REQUIRED to show proof of health insurance/travelers insurance?

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Insurance is currently not needed for tourists.

Thank you Jeff for the prompt reply. FYI I’m informing the insurance agent you all partner with because she was not aware of this. I relayed all the information in my original post to her, and she was unsure she told me. I should let her know now because she’s just about gotten all of the paperwork done and was ready to collect payment from me! Thanks again, on all scores!

This is true even if I plan to stay in Colombia for three (3) months? Sorry to keep pestering I just want to make sure.

Yes, not currently required. There is a proposal to require insurance for tourists but only a proposal. But you may want insurance for peace of mind.

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What if your travel health insurance specifically blocks Coronavirus coverage ?

The travel insurance in this articles includes coronavirus coverage. Click on the blue “Get Travel Insurance” button in the article and you can ask the insurance broker we partnered with questions.

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Do they cover for covid?

Yes, includes coverage for COVID-19,

Thanks for the information. That’s great news.

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I am still confused. I have an R Visa and my cedula. Do I need to now get the insurance now required? I plan on getting a health insurance plan when I am allowed to return to Medellin. Thanks Jeff

Insurance is required when applying for a visa. Not if already have a visa that you received before this new requirement.

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What if you have already been legally in the country for 5 years, presently have a 3 year visa and a cedula but it expires and you qualify for the 5 year visa? Are you grandfathered in?

No, when you apply for a new visa even if you already have a visa you need to show you have insurance.

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Can I get a quote for a short term policy. I will be in Canada for quite a few months. From there I might go to US for a couple of weeks and I might go to Japan for a couple of weeks at a different time. would the price be the same for anyone from any country or does it change depending where you live? I am a resident here and have EPS insurance yearly. I have a cedula also. I would want to speak with in English as I would not understand a Spanish conversation regarding this subject.

If you click on the blue button in the article it takes you to this page – https://expatgroup.co/english/news/health-insurance/ , where you can get a quote online.

' data-src=

You provided an important service to all of us considering a permanent or temporary move to Medellin. Thank you!!

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I’d like to hear the experience of travel insurance holders who have needed to use it. – Ease of use – Coverage issues – Preexisting conditions – Surprises?

' data-src=

does this medical insurance cover UK passport holders/flying in from UK (to Cartagena)? I am guessing it is long term and covers pre-existing conditions? Although my focus is on Cartagena/Bolivar residentially, this is the only site that is providing this advice, so apologies if it is not Medellin-focused! My wife is from that area, hence so is our residence.

Yes, this travel insurance can cover people from any country.

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I’m not clear on the V, visitor visa requirement. Must I have insurance if I fly into Medellin and get the typical 90 day visa ?

A visitor (V) visa is different than a 90 day tourist visa.

A tourist visa is a permit stamped in your passport and is not a formal visa that you need to apply for, see – https://medellinguru.com/tourist-visa/ . No insurance is required for a tourist visa but you can still get a low cost policy for protection for a short duration as a tourist.

The visitor (V) visa is a formal visa that you have to apply for several purposes such as studying Spanish, medical treatments and other reasons – https://medellinguru.com/visitor-visa/

' data-src=

Jeff, very interesting information, thanks a lot. It begs a follow up question , though: What about tourists who don/t need a visa to visit (Canadians, most EU citizens)? Thanks Harry

Tourists from any country can also get this travel insurance policy to provide protection while traveling – you can get an inexpensive policy for a shorter duration.

' data-src=

Useful information.

Three questions:

1) I assume that the information is not relevant if one already has a Resident visa which did not require insurance. But will it become a requirement when the present visa is renewed?

2)Is this insurance available for persons over 70

3) If insurance will be required upon renewal, will it be sufficient to already have the basic EPS local insurance ?

Best to ask detailed questions to the visa agency we partnered with – click on this link – https://expatgroup.co/english/visasincolombia/ and there is a chat at the bottom right normally during business hours.

We will try to update the article tomorrow with answers to questions we get.

Your questions are now answered in the article. This travel insurance is available to age 85 and you can use EPS insurance for renewal of visas.

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Unforgettable places, global clients, exceptional service, unique experiences.

At COLOMBIA ECOTRAVEL, we pride ourselves on offering sustainable tourism experiences that not only showcase the stunning beauty of Colombia, but also help to preserve it for future generations.

We also believe safety and planning for the unknown is fundamental when traveling.

That’s why we have insurance from Berkshire Hathaway covering all of our operations and are constantly aware of conditions on the ground in our destinations.

We’ve also partnered with SquareMouth to offer you a comprehensive way to find trip cancelation and traveler’s insurance.

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Colombia Travel Insurance

Colombia Travel Insurance

If you are planning a trip to Colombia you may highly benefit from our Colombia Travel Insurance.

 What is Travel Insurance?

Travel  insurance is  a  type  of insurance that covers the costs and  losses  associated with traveling. It is a plan you purchase that protects you from certain financial risks that can occur while traveling, such as a delayed suitcase, a trip cancellation, or a medical emergency overseas. Helps travelers deal with various contingencies that can occur during their trips.

The Significance of Travel Insurance

This insurance is significant because it offers travelers peace of mind and financial protection. It ensures that they are not burdened with exorbitant costs in case of unexpected incidents such as medical emergencies, trip cancellations, lost luggage, or other unforeseen events during their travels.

Benefits of Comprehensive Coverage

Comprehensive coverage is more than just protection; it's your ticket to peace of mind. It goes beyond addressing health risks and travel disruptions; it empowers you to immerse yourself in the Honduran experience fully.

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Cartagena , known since the colonial era as Cartagena de Indias, is a city and one of the major ports on the northern coast of Colombia in the Caribbean Coast Region. It is one of the best-preserved colonial destinations in the Americas.

Walking through the   historic walled city, you may feel as if you’ve stepped back in time to a different era. Cartagena has 13 km of centuries-old walls, and colourful colonial architecture. Many of the ancient buildings have now become beautifully restored restaurants and luxury hotels. The bougainvillea-covered balconies, the labyrinthine streets and the soaring Catholic churches that tower above every plaza all combine and make visitors fall in love with this Caribbean charmer.

Colombia Travel Insurance

Eje Cafetero

Colombia, being the world’s third-largest producer of coffee beans, is a fantastic country for tastings and tours. Most of the production takes place in the subtropical Andean hills west of Bogota between the small cities of Armenia, Pereira, and Manizales.

This region is known as the Eje Cafetero (or Coffee Axis), and is home to a growing number of coffee plantations that have opened up their operations to the public in recent years for tours, tastings, and farm stays. Due to the cultural importance and cultural landscape of the coffee region, UNESCO proceeded to declare part of this area as a World Heritage Site in 2011.

Colombia Travel Insurance

Continents:

Colombia Travel Insurance

The European continent is located completely in the northern hemisphere and mainly in the eastern hemisphere. Europe borders onto the Arctic Ocean in the North, the Atlantic Ocean in the west and the Mediterranean Sea in the South. There are 50 countries in Europe with a total of more than 748 million people living on the continent in 2021.

Colombia Travel Insurance

There are 49 countries in Asia according to the UN. The 10 biggest countries are listed in the right column of this page. Two of the Asian countries, Russia and Turkey, also share part of their territory on the European continent. Additionally there are two countries that only have limited international recognition: State of Palestine and Republic of China/Taiwan and some dependencies. Asia is the most populous continent with more than 4.7 billion people living there. (2022)

Colombia Travel Insurance

There are 54 countries in Africa – and 9 dependent territories. More than 1.3 billion people live on the African continent. This means about 15% of the world’s total population live in Africa! Even though Nigeria is only a third of the size of Algeria, it is the most populous country in Africa, with more than 219 million people.

Colombia Travel Insurance

NORTH AMERICA

Colombia Travel Insurance

Oceania is in a continental group consisting of 14 countries and includes Pacific islands and Australia. Often Australia is named as a continent, but this means that the many islands and countries except Australia would then be not included. Oceania in fact is mostly ocean and spans a vast area as you can see below.

MULTI-TRIP TRAVEL INSURANCE

Annual multi-trip travel insurance could cover you for an entire year. However, there is a limit to the number of days you could travel consecutively, which is usually 15 to 92 days.

GROUP TRAVEL INSURANCE

Obtain travel quotes for groups. We can search the market-place for the quotes that match your firm’s needs.

By definition, travel insurance offers cover for accidents or mishaps when you’re abroad, usually for a short period of time. Most travel insurances, include medical cover. Additionally, some offer cover for lost baggage or flight cancellations.

We offer travel insurance to citizens around the world. You can get instant online travel insurance quotes and receive your travel health insurance policy confirmation via email.

Whether it’s a beach holiday with the family, a business trip, or a training trip away, at SoEasy international travel Insurance, you can buy the best single trip travel medical insurance and multi-trip travel medical insurance online.

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Colombia Travel Insurance

Travel Insurance

Travel Insurance, Schengen visa travel insurance, Europe and Worldwide Single Trip and Multi-Trip Insurance policies.

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Winter is here! Check out the winter wonderlands at these 5 amazing winter destinations in Montana

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Why We Got Travel Insurance For Colombia

Published: September 10, 2023

Modified: December 28, 2023

by Arleta Brower

  • Safety & Insurance
  • Travel Essentials & Accessories

why-we-got-travel-insurance-for-colombia

Introduction

Colombia, a vibrant and diverse country located in the heart of South America, has become an increasingly popular travel destination for adventurers seeking stunning landscapes, rich cultural heritage, and unforgettable experiences. From the breathtaking Caribbean coastline to the lush Amazon rainforest and the towering peaks of the Andes Mountains, Colombia offers a wide range of attractions for every type of traveler.

While exploring the wonders of Colombia can be an exhilarating experience, it is crucial to prioritize your safety and well-being during your trip. One essential component of ensuring a secure and worry-free journey is obtaining travel insurance. Travel insurance provides valuable protection against unexpected events such as medical emergencies, trip cancellations, lost luggage, and more.

Many travelers often overlook the need for travel insurance, assuming that nothing will go wrong during their trip. However, the reality is that unforeseen circumstances can arise at any time, and it is better to be prepared and protected. This article aims to shed light on the importance of travel insurance for your trip to Colombia and provide valuable insights on how to choose the right coverage.

Understanding the Importance of Travel Insurance

Travel insurance acts as a safety net, providing financial protection and peace of mind during your travels. It offers coverage for various risks and uncertainties that can arise during your trip, offering you assistance and support when you need it the most.

One of the primary reasons why travel insurance is crucial is the unpredictable nature of travel. No matter how meticulously you plan your trip, unexpected events can occur. These can range from medical emergencies, flight cancellations or delays, lost luggage, or even the need for emergency medical evacuation.

In Colombia, understanding the importance of travel insurance becomes even more critical due to the country’s unique geographical features and adventure tourism opportunities. Whether you’re hiking through the Andes, exploring the Amazon jungle, or enjoying water sports along the coast, there can be inherent risks involved.

Medical emergencies are one of the most common reasons travelers seek travel insurance coverage. Having access to quality medical care in a foreign country can be expensive, and travel insurance ensures that you receive the necessary medical attention without worrying about exorbitant costs.

Additionally, travel insurance provides coverage in case of trip cancellations or interruptions. Imagine planning a once-in-a-lifetime trip to Cartagena, only to have your flights canceled due to unforeseen circumstances. With travel insurance, you can recover the expenses associated with canceled flights, prepaid accommodations, and other non-refundable expenses.

Moreover, travel insurance offers protection against lost or stolen luggage. Having your belongings disappear during your trip can be incredibly stressful, but travel insurance can provide compensation for your lost items or reimbursement for necessary replacements.

Lastly, travel insurance can assist with emergency medical evacuation in case you require a medical transfer to a different city or even back to your home country. This coverage can be particularly valuable if you’re traveling to remote areas of Colombia where medical facilities may be limited.

Overall, travel insurance provides a safety net that offers financial protection, assistance, and peace of mind, allowing you to fully enjoy your trip to Colombia without worrying about potential risks and uncertainties.

Researching the Risks in Colombia

Before embarking on your trip to Colombia, it is essential to research and understand the potential risks and challenges you may encounter. By being aware of these risks, you can make informed decisions and ensure that your travel insurance provides adequate coverage.

Crime rates have historically been a concern in Colombia, particularly in certain urban areas. While significant improvements have been made in recent years, it is still important to exercise caution and be aware of your surroundings. Pickpocketing, theft, and scams can occur, especially in crowded tourist areas. It is advisable to keep a close eye on your belongings and avoid displaying signs of wealth.

Another risk to consider when traveling to Colombia is natural disasters. Colombia is located in a region prone to earthquakes, volcanic eruptions, and hurricanes. Familiarize yourself with the potential risks in the specific regions you plan to visit, and follow any safety guidelines or evacuation procedures provided by local authorities.

In terms of health risks, Colombia is considered a moderate-risk country. It is advisable to consult with a healthcare professional or travel clinic before your trip to ensure you are up-to-date on recommended vaccinations for Colombia. Additionally, consider purchasing travel insurance that covers medical expenses, as access to quality healthcare can be expensive, especially in remote areas.

Environmental risks should also be taken into account. Colombia’s diverse ecosystems include rainforests, mountains, and coastal areas. Be cautious of potential hazards such as wildlife encounters, altitude sickness in high-altitude areas, and tropical diseases like dengue fever or Zika virus in certain regions.

Transportation can present its own set of risks. Colombia’s road infrastructure varies, and driving conditions may be challenging in some areas. If you plan to rent a car or use public transportation, ensure that your travel insurance includes coverage for accidents, injuries, or vehicle damage.

By thoroughly researching the risks specific to the regions you’re visiting in Colombia, you can ensure that your travel insurance provides adequate coverage for your needs. Stay informed and take necessary precautions to minimize potential risks, making your journey safer and more enjoyable.

Comprehensive Coverage Options for Travel Insurance

When it comes to choosing a travel insurance plan for your trip to Colombia, it is essential to select a comprehensive policy that offers coverage for a wide range of potential risks and emergencies. Here are some key coverage options to consider:

  • Medical Expenses: Ensure that your travel insurance plan includes coverage for medical expenses. This should include coverage for doctor visits, hospital stays, medication, and emergency medical evacuation if necessary. Having access to quality healthcare in Colombia may be costly, so having comprehensive medical coverage is crucial.
  • Trip Cancellation and Interruption: Look for a policy that offers reimbursement for non-refundable expenses in case of trip cancellations or interruptions. This can include reimbursement for prepaid flights, accommodations, and activities if your trip is canceled due to unforeseen circumstances such as illness, injury, or natural disasters.
  • Lost or Delayed Baggage: Make sure your travel insurance plan provides coverage for lost, stolen, or delayed baggage. This coverage can reimburse you for the value of your belongings, allowing you to replace necessary items during your trip.
  • Emergency Assistance Services: Consider a policy that offers 24/7 emergency assistance services. This can include assistance with medical referrals, emergency cash transfers, translation services, and legal assistance if needed.
  • Personal Liability: Personal liability coverage is important in case you accidentally cause damage to property or injure someone during your trip. It can provide coverage for legal fees and damages you may be liable for.
  • Adventure Activities Coverage: If you plan on participating in adventure activities in Colombia, such as hiking, water sports, or zip-lining, ensure that your travel insurance policy covers these activities. Some insurance providers may have exclusions or additional premiums for certain high-risk activities.
  • Emergency Medical Evacuation: Check if your travel insurance plan includes coverage for emergency medical evacuation. If you require medical transfer to a different city or back to your home country, this coverage can be invaluable, especially in remote areas of Colombia.
  • Pre-Existing Medical Conditions: If you have any pre-existing medical conditions, ensure that your travel insurance policy covers them. Some policies may offer coverage for acute onset of pre-existing conditions, while others may exclude coverage altogether. Be transparent and disclose any medical conditions when purchasing your travel insurance.

When comparing different travel insurance providers, carefully read the policy documents, including the fine print, to understand the coverage limits, exclusions, and any additional optional coverage you may require. Consider your specific needs, activities, and the regions you plan to visit in Colombia to ensure you have adequate coverage for a worry-free journey.

Comparing Different Travel Insurance Providers

When it comes to choosing the right travel insurance for your trip to Colombia, it is essential to compare different providers to find the best coverage and value for your needs. Here are some factors to consider when comparing travel insurance providers:

  • Coverage Options: Look for providers that offer comprehensive coverage options that align with your specific needs. Consider the coverage limits for medical expenses, trip cancellation/interruption, baggage loss, and emergency assistance services.
  • Price: Compare the prices of different travel insurance plans, keeping in mind that the cheapest option may not always provide the best coverage. Consider the overall value for the coverage provided and any additional optional coverage that may be offered.
  • Policy Exclusions: Thoroughly review the policy documents to understand any exclusions that may affect your coverage. Pay attention to pre-existing medical conditions, adventure activities, and any other exclusions that may be relevant to your trip to Colombia.
  • Policy Limits: Check the coverage limits for each type of coverage offered. Ensure that the limits are sufficient to cover potential costs in Colombia, especially for medical expenses and emergency medical evacuation.
  • Customer Reviews: Read reviews and experiences from other travelers who have used the insurance providers you are considering. Look for testimonials on their website or conduct research on reliable travel forums or review websites.
  • Claims Process: Understand the claims process for each insurance provider. Look for providers that have a straightforward and efficient claims process, with accessible customer support and simple claims submission methods.
  • 24/7 Assistance: Consider providers that offer 24/7 emergency assistance services. This can be crucial in case of medical emergencies or other urgent situations, as you want to have access to professional assistance and support whenever you need it.
  • Additional Benefits: Some travel insurance providers may offer additional benefits such as coverage for rental car damage, trip delays, or missed connections. Consider any additional benefits that may be relevant to your preferences and travel plans.
  • Reputation and Financial Stability: Look for reputable insurance providers with a track record of reliable service and strong financial stability. You want to choose a provider that will be there for you in case you need to file a claim.

By comparing these aspects of different travel insurance providers, you can make an informed decision and choose the provider that offers the most appropriate coverage for your trip to Colombia. Remember to carefully read the policy documents and consider your specific needs, budget, and travel plans to ensure you have the right protection for a worry-free journey.

Making the Decision to Get Travel Insurance for Colombia

Deciding whether or not to get travel insurance for your trip to Colombia is an important choice that can greatly impact your peace of mind and financial security while traveling. Here are factors to consider when making the decision:

Risk Assessment: Evaluate the potential risks associated with your trip to Colombia. Consider factors such as the activities you plan to engage in, the regions you will be visiting, the current political and social climate, and any health concerns. Assessing these risks will help you determine the level of coverage you need.

Healthcare Costs: Research the healthcare system in Colombia and the potential costs associated with medical treatment and emergencies. Determine if you can comfortably cover these expenses out of pocket or if travel insurance would provide financial protection in case of unexpected medical situations.

Financial Investment: Consider the amount of money you have invested in your trip, including flights, accommodations, activities, and tour packages. If you were forced to cancel your trip due to unforeseen circumstances, such as illness or natural disasters, travel insurance can help recover these non-refundable expenses.

Peace of Mind: Travel insurance provides peace of mind, knowing that you are protected against unexpected events and emergencies. It allows you to fully enjoy your trip without constantly worrying about potential risks or high-cost medical bills.

Travel Duration: The duration of your trip can also impact the decision to get travel insurance. If you are traveling for a short period, the chances of encountering unforeseen events are relatively lower. However, for longer trips, having travel insurance becomes increasingly important as the likelihood of unexpected events occurring increases.

Personal Circumstances: Consider your personal circumstances, such as your health condition, age, and travel history. These factors can impact your susceptibility to illnesses or injuries during your trip and influence the need for travel insurance coverage.

Destination-specific Considerations: Each country has its own unique risks and challenges for travelers. Colombia, with its diverse landscapes and adventurous opportunities, presents specific considerations. Research the specific risks associated with traveling in Colombia and assess if travel insurance coverage can help mitigate those risks.

Cost of Travel Insurance: Compare the cost of travel insurance with the benefits it offers. While it may seem like an additional expense, travel insurance can save you significant financial strain in case of unforeseen events. Assess the cost-benefit ratio to make an informed decision.

Considering these factors will help you decide if getting travel insurance for your trip to Colombia is the right choice for you. Remember, unexpected events can happen to anyone, and having the proper coverage can protect you and your investment, ensuring a smoother and worry-free travel experience.

Benefits of Having Travel Insurance in Colombia

Travel insurance provides a wide range of benefits that can greatly enhance your travel experience in Colombia. Here are some key advantages of having travel insurance:

Medical Coverage: One of the primary benefits of travel insurance is its coverage for medical expenses. In Colombia, access to quality healthcare can be expensive, especially for foreigners. Travel insurance ensures that you have financial protection in case of unexpected illnesses or injuries, covering doctor visits, hospital stays, medication, and even emergency medical evacuation if necessary.

Financial Protection: Travel insurance provides financial protection in various situations. If your trip is canceled or interrupted due to unforeseen circumstances, such as illness, injury, or natural disasters, travel insurance can reimburse you for non-refundable expenses including flights, accommodations, and activities. It also covers lost or delayed baggage and provides coverage for personal liability in case of accidental damage to property or injury to others.

Emergency Assistance Services: Travel insurance often includes 24/7 emergency assistance services. This means that if you find yourself in a difficult situation, such as a medical emergency or a lost passport, you can access professional assistance, including medical referrals, emergency cash transfers, translation services, and legal advice. Having someone to turn to for help can be invaluable, especially in a foreign country.

Peace of Mind: Traveling can be unpredictable, and having travel insurance provides peace of mind. Knowing that you are covered against potential risks and emergencies allows you to fully enjoy your trip without unnecessary worry. It allows you to focus on exploring Colombia’s stunning landscapes, immersing yourself in its vibrant culture, and creating unforgettable memories.

Emergency Medical Evacuation: Colombia’s diverse geographic features offer opportunities for adventure, such as hiking in the mountains or exploring remote areas. In case of a medical emergency in a location without adequate medical facilities, travel insurance can cover the cost of emergency medical evacuation to a hospital with appropriate care. This coverage ensures that you receive the necessary medical attention, even in remote areas.

Coverage for Adventure Activities: Colombia is a haven for adventure seekers, with opportunities for activities such as hiking, zip-lining, and water sports. Travel insurance often includes coverage for these adventure activities, giving you the confidence to participate without worrying about potential accidents or injuries.

Travel Assistance and Support: Travel insurance providers offer customer support, helping you navigate through unexpected situations. Whether it’s a lost passport, a missed connection, or a flight delay, having access to travel assistance can make your journey smoother and less stressful.

Reimbursement for Trip Delays: Travel insurance can provide reimbursement for additional expenses incurred due to trip delays. For example, if your flight is delayed and you incur additional accommodation or transportation expenses as a result, travel insurance can cover these costs, minimizing any financial impact on your trip.

Flexibility and Customization: Travel insurance plans often offer flexibility and the ability to customize your coverage to match your specific needs. This allows you to tailor your policy based on the activities you plan to engage in, the regions you will visit, and your individual preferences.

Overall, having travel insurance for your trip to Colombia offers numerous benefits, including financial protection, peace of mind, access to emergency assistance, and coverage for unexpected events. It ensures that you can explore the best that Colombia has to offer while being prepared for any unforeseen circumstances along the way.

Choosing the Right Travel Insurance Plan

Choosing the right travel insurance plan for your trip to Colombia is crucial to ensure that you have adequate coverage and peace of mind during your travels. Here are some key considerations to help you choose the right travel insurance plan:

  • Assess Your Needs: Consider your specific needs and the type of coverage you require for your trip to Colombia. Assess factors such as your budget, the activities you plan to engage in, the duration of your trip, and any pre-existing medical conditions that need to be covered.
  • Coverage Options: Look for a travel insurance plan that offers comprehensive coverage options that align with your needs. This should include coverage for medical expenses, trip cancellation/interruption, lost or delayed baggage, personal liability, and emergency assistance services.
  • Policy Exclusions: Carefully review the policy documents to understand any exclusions. Pay attention to exclusions regarding pre-existing medical conditions, adventure activities, and any other specific exclusions that may impact your coverage needs.
  • Coverage Limits: Assess the coverage limits for each type of coverage offered. Ensure that the limits are sufficient to cover potential costs in Colombia, especially for medical expenses and emergency medical evacuation.
  • Cost and Value: Compare the cost of travel insurance plans and the value they offer. Consider the coverage provided, the reputation and financial stability of the insurance provider, and any additional benefits or features included in the plan. Choose a plan that provides the best value for your budget.
  • Read Reviews: Research and read reviews from other travelers who have used the insurance provider or plan you are considering. Look for testimonials on the provider’s website or seek information from trusted travel forums or review websites.
  • Claims Process: Understand the claims process for each insurance provider. Look for providers that have a straightforward and efficient claims process, accessible customer support, and clear instructions on how to submit a claim.
  • 24/7 Assistance: Consider a plan that offers 24/7 emergency assistance services. Having access to round-the-clock support can be invaluable in case of medical emergencies or other urgent situations during your trip.
  • Add-on Options: Some travel insurance plans offer add-on options that you can tailor to your specific needs. Evaluate any additional benefits or coverage options, such as coverage for rental car damage or increased coverage limits, that may be relevant to your preferences and travel plans.
  • Reputation and Customer Service: Choose an insurance provider with a strong reputation and reliable customer service. Look for providers with positive customer reviews, prompt and helpful customer support, and a track record of handling claims effectively.

By considering these factors and thoroughly assessing your needs, you can choose the right travel insurance plan for your trip to Colombia. Remember to carefully read the policy documents, understand the coverage and limits, and seek clarification from the insurance provider if needed. Investing in the right travel insurance plan will provide you with the necessary protection and peace of mind to fully enjoy your adventure in Colombia.

Tips for Filing a Travel Insurance Claim in Colombia

Filing a travel insurance claim in Colombia can be a straightforward process if you adhere to certain tips and guidelines. Here are some tips to help you navigate the claims process effectively:

  • Read and Understand Your Policy: Familiarize yourself with the terms and conditions of your travel insurance policy. Understand what is covered, the required documentation, and the specific procedures for filing a claim.
  • Report Incidents Promptly: In the event of an incident that may result in a claim, such as an illness, injury, loss of belongings, or trip interruption, report it to your travel insurance provider as soon as possible. Many insurance companies have specific time limits for reporting incidents, so prompt reporting is essential.
  • Gather Relevant Documentation: Collect all necessary documentation to support your claim. This may include medical reports, police reports (in case of theft or loss), receipts for expenses, and any other supporting evidence related to the incident. Keep these documents organized and easily accessible.
  • Follow the Claims Procedure: Adhere to the claims procedure outlined by your insurance provider. This may involve completing a claims form, providing supporting documentation, and submitting the claim within the specified time frame. Make sure to follow all instructions carefully to avoid delays or potential claim rejections.
  • Submit Complete and Accurate Information: Provide accurate and complete information when filing your claim. Be honest in your descriptions of the incident and provide all necessary details requested by your insurance provider. Providing incomplete or false information can result in claim denial.
  • Keep Copies of Everything: Make copies of all documents and correspondence related to your claim. This includes the claims form, supporting documentation, email exchanges, and any other communication with your insurance provider. These copies will serve as your record of the claims process.
  • Follow Up on Your Claim: Stay in contact with your insurance provider to inquire about the status of your claim. If there are any delays or issues, politely follow up with the claims department to ensure your claim is being processed in a timely manner.
  • Maintain Open Communication: Promptly respond to any requests or queries from your insurance provider. Keep an open line of communication and provide any additional information or clarification that may be required for your claim.
  • Seek Professional Assistance if Needed: If you encounter difficulties or disputes during the claims process, consider seeking assistance from consumer advocacy or legal services. They can provide guidance and support in navigating any complex issues that arise.

By following these tips, you can improve the efficiency and effectiveness of filing a travel insurance claim in Colombia. Remember, it is important to understand your policy, report incidents promptly, provide accurate information, and keep detailed records of your claim-related documentation. With proper preparation and adherence to the claims process, you can increase the likelihood of a successful travel insurance claim in Colombia.

Travel insurance is a vital component of planning a trip to Colombia. It provides financial protection, peace of mind, and assistance in case of unexpected events, ensuring a worry-free travel experience. By understanding the risks associated with traveling in Colombia and evaluating your specific needs, you can select the right travel insurance plan that offers comprehensive coverage.

During your research, compare different travel insurance providers, considering factors such as coverage options, policy exclusions, cost, customer reviews, claims process, and additional benefits. This careful comparison will help you make an informed decision and choose the most suitable travel insurance plan for your trip.

When in Colombia, travel insurance offers numerous benefits, including coverage for medical expenses, protection against trip cancellations or interruptions, financial reimbursement for lost or delayed baggage, and access to emergency assistance services. It provides peace of mind, allowing you to fully immerse yourself in Colombia’s diverse landscapes, vibrant culture, and thrilling adventures.

Remember to follow the tips for filing a travel insurance claim in Colombia, such as reporting incidents promptly, gathering relevant documentation, following the claims procedure, and maintaining open communication with your insurance provider. These steps will help streamline the claims process and increase the chances of a successful claim.

In conclusion, investing in travel insurance for your trip to Colombia is a wise decision. It provides the necessary protection, support, and financial security to ensure that unexpected events do not derail your travel plans. By choosing the right travel insurance plan and understanding the claims process, you can embark on your Colombian adventure with confidence, knowing that you are well-prepared for any unforeseen circumstances that may arise along the way.

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why we got insurance for colombia

Why we Got Travel Insurance for Colombia

Colombia is a pretty safe country to travel to for visitors, but it is a mecca for adventure sports and activities.  Unlike in other countries, it’s not a mandatory requirement to have travel insurance to enter the country, but it’s a sensible move.  Whether you plan on hiking at altitude, heading out on multi-day treks, or even just heading to the capital city, Bogota, then having medical cover is a sensible precaution.  Even Bogota is at an altitude of 2,640 meters (8,660 feet) above sea level. In this article, we’ll share why we considered and bought Colombia travel insurance.

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Protect yourself against unforeseen costs, accidents, and travel delay problems. Consider getting a quote for travel insurance for Japan.

How Does Travel Insurance Differ from Regular Health Insurance?

You’ll need to check the specifics of what your own regular health insurance covers and then look at what additional coverage you might want.  Travel insurance can cover you for cancellations, emergency medical treatment, and the loss of personal belongings.  This could mean coverage if your flight is canceled through no fault of your own, or your bag is stolen, your wallet is pickpocketed or you fall ill while you’re in Colombia, then travel insurance can cover you. It all depends on the specifics of the policy that you buy.

Why do I take out travel insurance for Colombia?

Travel insurance gives me peace of mind – that if my bag is stolen, that if I get sick, that if my flight is canceled that I’ll still be able to either continue with my trip or return home without being significantly out of pocket.  We’ve had to return home early, twice in the last few years for family emergencies and I can tell you that last-minute tickets are not cheap.  Luckily our claims were dealt with quickly and efficiently – without which we’d have been nearly US$10,000 out of pocket

TLDR:   Get a quote for Colombia travel insurance here.   Even if you’re already traveling.

And while if you get sick in Colombia, the local medical care isn’t that expensive, should you require transport back home, well that can be expensive.  Really expensive.  Losing your laptop or phone?  Yeah, that’ll hurt too. 

So for me, taking out travel insurance for Colombia certainly gives me a lot more confidence to go out and enjoy Colombia – to take the trek that we wanted to, to go diving, and to explore the street food scene.

I try to avoid unforeseen costs with travel insurance

This is the primary reason I buy travel insurance – to travel without worrying about unforeseen costs that we can’t afford.  I don’t have US$10,000 sitting in my account on the off chance that I have to return home in an emergency.  And that’s why we buy travel insurance.

I buy travel insurance in case my gear goes missing, gets stolen, or breaks

Colombia is generally quite a safe place to travel to these days, but opportunistic thefts do happen.  Wallets get pickpocketed.  It could be focusing so much on taking amazing photos, that you don’t zip up your bag.  Or, for us, our camera got sand in it. (that was in  Mui Ne, Vietnam )  I don’t advise running down a sand dune with a camera in an unzipped pocket. Really.  Things like this always happen at the worst possible times. 

Our policy included accidental damage to our gadgets, specifically our camera.  You’ll need to check specific coverage details for gadgets and the policy that you buy to confirm that you’re covered.

travel insurance colombia

We also always use a portable travel safe when traveling – for securing our laptops, phones, cards, and kindles (the list goes on), either in our room or if we’re renting a car in the trunk of the car.

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This fabulous portable travel safe is big enough for laptops, phones, cameras, and a whole lot more. It packs flat and secures to just about anything!

There is a high risk of road traffic accidents in Colombia

The number of  road traffic accidents  in Colombia increased to 13.5  people per 100,000 population in 2017.  An increase of 20% from 2010 to 2017. In 2020 the rate had risen to 14.72 per hundred thousand people.  It’s not the worst country in the world for road traffic accidents, but it’s not the best either.

We spend a lot of our travel in Colombia on buses that drove down roads that were pretty awful compared to what we’re used to at home. 

Serious crime is low in Colombia, but opportunistic robberies can be a problem

While the rates of serious crime amongst foreign visitors are low you should still be aware of your surroundings and protect valuables, regardless of whether you have travel insurance or not.

We always travel with a  portable safe from Pacsafe and secure our valuables in it in the room when we leave.  Our 15-liter Pacsafe can fit two laptops, two kindles,  a camera, passports, and money in it. 

Some insurance policies require that your valuables be locked securely away when you’re not with them, and as I’ve mentioned we’ve had gadgets replaced during our travels because of accidental damage, but for me, using a Pacsafe to prevent opportunistic theft is worth it because the hassle of losing something while you’re away is a huge pain.

That’s the same with our online information.  Losing your personal digital data is a nightmare and an even bigger hassle, than breaking a camera.  That’s why we always use a VPN.  I wrote about the best VPNs for Colombia here.

We lost a passport on one trip.  And I can’t begin to tell you how difficult that makes it.  Luckily, we were on a one-country trip at the time and were due to return home at the end of it.  Emergency documents basically get you home, where you have to apply for a new passport.  So if you’re on a multi-country trip and lose your passport, then you’ll (most likely) be heading home before you can continue.

But yes, Colombia travel insurance should cover you for this, but again, this will depend on each individual policy – so read the small print and check! Getting travel insurance is one way to reduce stress when traveling, here are some other ways.

Adventure activities come with higher risks of injury

If you’re anything like us, then you’re coming to Colombia to experience the whole country and the great outdoors. I imagine you’ll want to hike, perhaps the  Cocora Valley ?  Or maybe the Lost City Trek?  Perhaps there’s a volcano that you want to hike?  Or you want to go canyoning or white water rafting, snorkeling, or diving.  All these activities come with higher risks of injuries than more sedentary activities. 

You can get a quote for travel insurance here.

Colombia is a malarial and dengue fever area

Malaria is endemic in lower-lying areas of Colombia.  I can tell you from experience that in the Colombian Amazon the mosquitoes are vicious and I was miserable trying to avoid them.  Areas of Colombia are also dengue fever areas.  Dengue is a mosquito-borne disease that may cause a high fever, headache, vomiting, muscle, and joint pains.  Treatment for dengue may require hospitalization.

(Always check with a health professional for antimalarials)

Safe drinking water is not always provided in Colombia

Tap water is usually relatively safe in many of the cities in Colombia, however, it’s not so in the more rural places.  And just because your hotel or hostel has filtered drinking water it doesn’t mean that the guys selling arepas on the street that you absolutely have to buy have used safe water.  Or that the fresh fruit smoothie that you’ve bought from the market has filtered water in it. 

I’m cautious when I travel over food, but that doesn’t stop me from eating it.  But I always make sure that I have medical coverage on my travel insurance in case something does go wrong.  I’ve had weeks of antibiotic treatment, including several hospital visits because of dodgy water in the past.  It’s not nice and it’s not cheap either. I always travel with a filter water bottle and control my own safe water. Trust me it’s worth it.

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The Lifestraw Go Water Filter Bottle has a 22-ounce capacity, it has a two-stage carbon filter that lasts for 100 liters of water and a membrane microfilter that lasts up to 4,000 liters of water.  The bottle itself is reusable, extremely durable, and BPA-free.  

Consider Colombian Travel Insurance to cover for Altitude Sickness

Soroche or altitude sickness is common with visitors to Colombia, especially if you arrive in the capital city, Bogota.  Bogota is at 2640 meters above sea level and there are some  amazing things to do in Bogota.  And then you’ll want to hike up Monserrate, at 3,152 meters. (it’s  one of the  best day trips to do from Bogota )  If you plan to hike Nevado del Tolima, then the summit is 5,200 meters. Even Volcán Puracé is 4650 meters.  

If you get sick at altitude, then you’ll need rescuing, and getting rescued at altitude is expensive.  When we hiked in Nepal and one of our group became ill from the altitude, the rescue helicopter wouldn’t set off until they’d charged his credit card for the trip. 

What do we take into account when we’re buying Travel Insurance for Colombia?

Wherever we travel, when we make our plan for a trip, we have a list of items that we check off before we buy our travel insurance.  Here’s what we take into consideration when buying travel insurance for Colombia.  I’ve detailed these below.

The altitude in Colombia to which we plan to travel

Let’s start with Bogota and go from there.  Believe me, if you  arrive in Cartagena , spend time there, and then fly to Bogota you’ll feel the altitude.  Many insurance policies cover you to 2,000 meters.  Colombia’s capital city is at 2,640 meters. Problemo numero uno.  

We knew that we wanted to hike Montserrate, which is higher up from Bogota.  So when then took a look at all the places that planned on visiting in Colombia and what altitude they were at, so we knew what to look for in our coverage.

Where you are when you take out the insurance policy

The vast majority of insurance companies will ONLY provide travel insurance if you are at home when you take out the policy.  AND many others require that you have been resident in that country for at least six months AND that you need to be registered with a local doctor.

We found this out when we started our travels in 2014.  We returned to the UK after 4 years of living and working in the USA.  We were not registered with a doctor, and had been in the country 6 days not 6 months!   Our purchase of a travel insurance policy was severely influenced by this.

If you’re considering travel insurance for Colombia, then you  can get a quote from World Nomads for your travel insurance  for Colombia

Our age and the age of travelers on the same policy

Nigel hit 59 this year.  And that means that our insurance policies need a review, as many companies will no longer cover us as he’s over 55.  When you get a quote for travel insurance it’s one of the first questions you’re asked, your age and the age of travel companions on the same policy.

Pre-existing medical conditions

If you live with existing medical conditions or have had surgery within the last 6-12 months you usually have to declare it before buying a travel insurance policy. And yes, this included my badly broken wrist (that was  Dunstanburgh Castle  in the UK)!

Read the forms carefully while you are buying insurance.  And if you have questions, the only people who can answer them are the insurance company or their agents. 

We’re a World Nomads affiliate and World Nomads provides travel insurance.  We do receive a fee for any quotes generated via our links to World Nomads, but if you want information specifically about their policies – then you must take this directly from World Nomads.

FAQS on why we took out Colombia Travel Insurance

Got questions about why we use travel insurance for Colombia? Check out the frequently asked questions that we had on insuring for travel to Colombia below, or ask us yours in the comments.

Is insurance mandatory in Colombia?

Travel insurance is NOT mandatory in Colombia like it is in  countries like Cuba .  If you don’t have travel insurance and have an incident when traveling in Colombia then you’ll just be responsible for paying the costs of repatriation and your medical bills yourself.  Equally, if your gear is stolen and it’s not covered by your policy, then you’ll have to replace it at your own cost.  If you’re considering travel insurance, check what World Nomads can offer.

What happens if I don’t have travel insurance in Colombia?

If you don’t have travel insurance that provides you with return home coverage while traveling in Colombia and something happens then you’ll just need to cover the costs yourself. 

Travel Tips for Exploring Colombia

  • Read our guide to travel insurance for Colombia
  • Considering travel insurance for your trip? World Nomads offers coverage for more than 150 adventure activities as well as emergency medical, lost luggage, trip cancellation, and more.
  • Our Colombia Travel check list is here
  • Download and install a VPN BEFORE you travel to Colombia > discount coupon here
  • Arriving by air? Book your airport transfer with Welcome Pickups.
  • Make sure you have the right travel adapter for Colombia
  • Book the best Colombia tours and guides on GetYourGuide and Civitatis
  • Read about ATM fees in Colombia
  • Save money in Colombia with a Wise debit card
  • Book Buses in Colombia with Bookaway
  • Book accommodation in Colombia with Booking.com

Our Final Words Why We Chose to Buy Travel Insurance in Colombia

So there we have it.  Our guide to why we took out travel insurance for a visit to Colombia.  And what we looked out for when we were buying Colombian travel insurance.  Colombia is a fabulous country and we have loved it each and every time we’ve visited.  However, you choose to travel and wherever you choose to visit in Colombia I hope you have a fabulous time!

We receive a fee when you get a quote from World Nomads using our affiliate links. We do not represent World Nomads. This is not a recommendation to buy travel insurance.

ASocialNomad is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com, amazon.co.uk, and amazon.ca. Amazon and the Amazon logo are trademarks of Amazon.com, Inc. or its affiliates. As an Amazon Associate, I earn from qualifying purchases .

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International travel is exciting whether it's a quick visit to Paris, an African safari or a week in the Caribbean. Wherever your adventure takes you, international travel insurance can help you travel with peace of mind. If you become sick or injured while traveling; or if circumstances cause you to cancel or interrupt your trip, international travel insurance is there to help you. And, with our  OneTrip Prime plan , kids 17 and under are covered for free when traveling with a parent or grandparent (not available on policies issued to Pennyslvania residents). If something goes wrong when you're far from home, we're here to help. Just call our 24-hour assistance hotline.

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The Expat Guide To Colombian Health Insurance Plans: EPS, Private, Global

Everything expats need to know about purchasing Colombian health insurance. This guide explains the details of private health insurance, EPS state healthcare, and the different types of coverage available to expats. From cost to quality of care, this guide has everything you need to make an informed decision. minutes

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About the author

Hi, I'm Marco Sison . I worked in finance for Fortune 50 companies before retiring early at 41 years old. I have been an expat for over 10 years, living in over 50 countries to show you the best ways to save, invest, and live in amazing countries outside the USA. I am a trusted resource on personal finance and overseas retirement for US News & World Reports, HuffPost, MSN Money, USA Today, ABC Network, Yahoo Finance, Best Life, Association of MBAs, and the iTunes documentary Seeking FIRE.

QUICK SUMMARY- Colombian Healthcare For Expats

  • The Colombian Health Care system r anks as the 22nd best in the world.
  • Expats can purchase excellent health insurance in Colombia for as little as $50 per month.
  • Some plans even let expats with family members cover a spouse and children at no additional cost.
  • Some public health centers (IPS) are often overcrowded and securing an appointment can take months.
  • Many expats pay for additional private insurance for more efficient medical care. 
  • The cost of private plans can vary according to a number of factors, including age and pre-existing conditions.

As an early retiree, saving on healthcare costs is one of the biggest reasons to move abroad. Medical insurance is an ugly political hand grenade in the United States . Yet, families in the US spend up to 15% of their annual incomes on healthcare costs. I read that medical insurance in Colombia is better and cheaper. Still, I had no idea how the system worked or if I was even eligible to enroll in Colombian health insurance.

To help out other US expats thinking of making the move to Colombia , I pulled together this guide to share my findings and help clear up the confusion and incorrect or outdated information found in expat groups. 

For example, did you know that Colombian medical  insurance is available to all citizens and legal residents of Colombia? Broadly speaking, three major forms of health insurance plans, but only two are open to expats. This article explains which two you may be eligible for and how to sign up.

I'll also show you how  health  insurance in Colombia works and what you can expect your  medical coverage  to cost per month.

Whether you are retiring to one of Medellin's hip expat neighborhoods or enjoying expat life in Colombia , read this guide to health insurance in Colombia and learn how to protect your new life in this fantastic country.

This post may contain affiliate links. I may get a commission if you purchase something using my link. Please note, there is NO ADDITIONAL COST to you. For more information, please see my  disclosure .

6 Quick Tips To Prepare For A Move To Colombia

TIP 1. Understand Colombia's visa policy-  A decade of experience living abroad taught me that a country's resident visa and permit situation can make or break a plan to move overseas. Chat with a   Colombian visa attorney .

TIP  2. Know your health insurance requirements-  Starting July 2022, the government requires all expats living in Colombia to   purchase specific medical coverage  that includes accidents, illness, hospitalization, disability, repatriation, maternity, and death. 

TIP  3.  Save On Moving Costs -  International moves can get expensive. Save hundreds of dollars by getting accredited moving companies to compete for your business. Fill out a quick form, sit back and let our moving partners get you five free moving quotes from trusted and reliable international moving companies.

TIP  4. Set up a Traveling Mailbox-  Change all your critical mailing addresses to a traveling mailbox. Don't lose an important tax return, bank statement, credit card, or government document in the  ma il.  Sign up for a virtual mailbox , and you can keep a permanent US mailing address and check your mail via your phone or PC.

TIP   5.  Prove your onward ticket-  I f you only have a tourist visa Colombia  requires a mandatory departure ticket . You need a onward travel with a date leaving the country before your visa expires. Save money by using    an onward plane ticket for just $16 . 

TIP 6.   Pick up some Spanish Skills-  The most common difficulty experienced by expats in Colombia is English being less common than expected. Only 4% of the country speaks English. You can get a  free 7-day Spanish language crash course  to make your move to Colombia easier.

Is the Colombian Healthcare system any good?

In a word, yes. The World Health Organization ranked Colombia as the 22nd most efficient healthcare system in the world. A more recent 2022 global ranking placed Colombia roughly equal to the American healthcare system when considering the skill, competency, speed, modern state-of-the- art equipment , waiting times, and costs.

Additionally, Colombia has 26 of the top-ranked Latin American hospitals . However, it should be noted that the most modern facilities and best-trained doctors are in Bogotá, Cali, and Medellín . The quality of health clinics in rural areas or smaller towns outside of Colombia's major cities may not be up to western health care standards .

Best-ranked hospitals in South America <click To Expand>

Over 40% of the Best Hospitals In South America Are In Colombia

Top 20 Best Hospitals In Colombia

Read my other article to get 20+ tips on how expats can leverage healthcare in Colombia  to save thousands on their medical bills.

Expat Insights On Colombian Health Insurance

Affordable private insurance costs.

M y monthly payment here is less than my copayment for my policy I dropped in California that had a $5,000 deductible and covered surgeries, tests, exams, hospitals, at 80 percent.

Here [in Colombia] a copay is $8.50 to see a SURA private provider. Hospital copay for admittance is $12. Copay for blood lab tests, $3. All other Tests at 100 percent.

My lady and I both have had surgery here. Outstanding care. More personal than California. No hurry to get you out of the doctor’s office like the 10 minute appointments I so often had there.

B. Casper- US Citizen Living In Colombia

Low-Cost Insurance

SURA Classico [Private Insurance] for a 36 year old cost 3,899,344 COP / $ 810 USD.   We just paid for one year.

On top of that we pay 272,000 COP / $57 USD a month for EPS [Public Insurance] including pension.

S. Bickerstaff-  Expat In Colombia

Three Types Of Colombian Health Insurance (Tiered Healthcare System)

There are three types of medical insurance (EPS, Prepagada, and SISBEN) available in Colombia, though only two are available to expats.

  • The first is the Entidades Promotoras de Salud (EPS)- EPS (translated to Health Promoting Entities ) is Colombia's universal healthcare system , covering 96% of the population . Required by law, it is a form of mandatory public medical insurance for all Colombian citizens and foreign expats who are legal residents of the country . Your cost of insurance is solely based on your income .
  • A second type of medical insurance, called "medicina prepagada,"- For wealthier Colombians and expats unsatisfied with the benefits of the public plan, Colombians and foreigners may pay extra for "medicina prepagada," or private health insurance that works on top of EPS plans . The additional cost of this insurance varies based on your age, the plan you choose, and any pre-existing conditions .
  • SISBEN is a third form of insurance , but it isn't available to foreigners. SISBEN is intended for extremely vulnerable lower- income groups, providing homeless or poor Colombians with free or government subsidized medical care through their national health insurance system .

You can get a free cost quote for EPS and Medicina Prepagada from an accredited Colombian insurance specialist using the form below

Did You Know There Are 3 Types of Colombian Health Insurance Needed By Most Expats?

Starting in July 2022, specific medical coverage is required to legally stay in Colombia . Fill out the form to learn more from an insurance specialist. This is a FREE No-Obligation Service .

 INSIDER TIP  : Colombian Health Insurance May Not Be Required For Basic Care-  If you have severe medical issues, you'll be well taken care of by Colombia's healthcare system , but in many cases, you wouldn't even need to go to a  hospital  or clinic to receive  health care .

Unlike in the US, pharmacies don't simply dole out pills from a prescription from a  doctor . Pharmacists in Colombia are  medical professionals with additional training  to provide a more direct role in diagnosing and relieving basic  health  symptoms.

Plus, most prescription drugs are available over-the-counter (OTC) in Colombia. The pharmacist can get you antibiotics or heavy-duty pain relievers directly without needing a separate trip to the  doctor .

Overview Of Public Medical Insurance In Colombia

Who is eligible for public medical coverage in colombia.

Colombia's 1993 constitutional reform made healthcare a fundamental right for every citizen and foreigner. Read that again— healthcare is a basic right, even for foreigners. As such, approximately 96% of Colombians have public medical coverage . Compared to the less than 28% of adults covered in the US in 2021 , it's easy to see why the WHO ranks healthcare in Colombia better than in the United States.

One of the reasons the Colombian insurance number is over 400% higher than adults covered by public insurance in the US is that foreigners are eligible for EPS. All expats with a valid temporary visitor or permanent resident visa and a cedula must purchase mandatory public health insurance . However, foreigners holding only Colombian tourist visas are not eligible.

Foreigners who need to renew a visa are required to show proof of EPS coverage . 

Did You Know Most Expats In Colombia Need 3 Types of Health Insurance?

Starting in July 2022, the government passed a law requiring specific medical coverage for foreigners staying in Colombia. Click the button below to ensure you are legally staying in Colombia.

Please note that eligibility requires a Colombian foreign ID card or Cédula de Extranjería. Your cedula has a unique number that ties to your electronic medical records. Only with a cedula can you register for medical insurance under the EPS. Read the INSIDER TIP below to find out more about this cédula.

Only with a Cedula, can expats apply for the Colombian public insurance

 INSIDER TIP  :   Colombian Cedula de Extranjeria-  Any expat staying in Colombia for more than 3-months should sign up for a Cédula. While not mandatory, the Cedula is a foreigner identification card critical for expat life in Colombia. You will need a Cedula to obtain a bank account, sign a legal  rental contract for an apartment , a nd access public health insurance in Colombia

Who pays for public health insurance in Colombia?

Colombia's public medical plan is funded by the Ministry of Health and managed by the Entidades Promotoras de Salud ( Health Promoting Entity) EPS office. While the health care is administered by several local Colombian EPS insurance providers.

Remember that citizens and foreign residents are required by law to enroll under the public healthcare system through the EPS, which manages both the contributory and subsidized systems.

Your contribution to the EPS varies according to your financial status. Wealthier households (strata three to six) pay into the contributory system. In contrast, lower- income (strata one and two) families receive government-subsidized healthcare .

Salaried and self-employed citizens and residents in strata three to six contribute a percentage of their income to the General System of Social Security in Health (GSSSH) fund of the Ministry of Health . The employer also contributes to the fund in the case of a salaried employee.

 INSIDER TIP  : Employer Medical Insurance-  Like the US, a local employer pays a portion of an expat's salary into an EPS health plan . However, your choice of plans is not forced. You, not the employer, still get to choose a Colombian insurer to administer your EPS plans.

The Entidades Promotoras de Salud (EPS) manages the program, sets the prices, and establishes the benefits and coverage levels. The health care services are then administered by local EPS insurance providers.

There are 32 EPS providers certified by the Ministry of Health . However, the most popular EPS health insurance company among expats is Suramericana, simply referred to as SURA. 

List of the Top 10 EPS companies according to overall satisfaction

I was asked how I would rate my overall experience regarding the health care I have received. I cannot speak to all of the options, but the following are the top ten.

  • Dusakawi (subsidized) 
  • Savia Salud (subsidized) 
  • Anaswayuu (subsidized) 
  • Surah (contributory) 
  • Coosalud (subsidized) 
  • Pijaos (subsidized)t
  • Cauca Indigenous Association (subsidized) 
  • Mutual Ser (subsidized) 
  • Mesh (subsidized) 
  • New EPS (contributory) 

 INSIDER TIP  : Employer Medical Insurance-  Colombian Health Insurance Providers- EPS is structurally very similar to the US PPO-style of medical insurance with one critical difference. Like a US PPO, each EPS provider has its own healthcare provider network with contracts with its own doctors and medical facilities. Once you choose an EPS provider, you need to use doctors from their approved network of providers or pay a higher out-of-network cost. However, unlike in the United States, as a public healthcare plan, EPS sets your insurance premium rates based on income, not age or medical history. As such, each EPS company charges you the same price for basic coverage.  When  shopping for EPS health insurance in Colombia , you compare based on the quality of their network and customer service, not on cost.

What is the cost of Colombian Public Health Insurance (EPS)?

Most expats pay between $100 to $200 monthly for public health insurance in Colombia. But, EPS is a type of health insurance that charges based on your ability to pay, not your age or medical condition. In a nutshell, the amount you pay for EPS depends on your income calculation.

For an employee of a Colombian company, EPS is based on salary. If you are retired, it is based on pension or social security income. For self-employed freelancers and digital nomads, your payment is based on your contract value.

Expats Employed by Colombian companies pay 4% of Gross Monthly Income

The monthly premium for EPS health insurance is a total of 12.5% of the monthly gross income declared to the EPS. A portion comes from a salary deduction, and the other part comes from a company contribution.

Like the US, expats working for a Colombian company also have their employer pay 8.5% of their income for medical insurance. In addition to your employer's 8.5% contribution, your salary is deducted by 4% for your share of the EPS costs. 

Assuming a gross monthly salary of 6,915,015 COP ($1500) per month, you would pay 276,601 COP or $60 USD for EPS insurance per month .

USD TO COP exchange rate as of this writing is 4,608 Pesos to US Dollar

Self-employed Expats (Digital Nomads, Freelancers) pay 5% of their Net Monthly Income

If you are freelancing or in the country as a digital nomad, you pay 5% of your Net Monthly Income. This amount is determined by the following simple formula: Monthly income - Monthly Business Expenses = Monthly Net Income.

Monthly Net Income x 40% (contribution base % paid into EPS) x 12.5% (EPS monthly rate) = Total EPS monthly cost

For example

  • Calculate Net Monthly Income- If your monthly gross income is $1,500 USD and your monthly business expenses (office rent, supplies, etc.) are $500, then net income is $1,000 per month.
  • Calculate the contribution base- The Ingreso Base Cotización (IBC) or contribution base is 40% of your net income. In this example, multiply $1,000 net income by 40% to get $400 USD
  • Calculation of the EPS monthly cost- Freelancers must pay 12.5% of their IBC into EPS. The final calculation is $400 USD by 12.5% to get $50 USD- the amount you pay into the EPS contributory fund per month.

Let's break that down for a minute.  If the expat cost of living in Colombia  is roughly $1,000 per month. And you assume that net income = cost of living, then full coverage health insurance in Colombia costs you $50 per month!

Less than a cup of Starbucks coffee (or Juan Valdez coffee, since we are talking about Colombia) per day! Image Source

 INSIDER TIP  : A simplified version of the self-employed EPS calculator-  Multiply net monthly income by 5%, because 40% x 12.5% = 5%. Using the same example above $1,000 x 5% = $50 per month USD.

Retired Expats pay 5% of Gross Monthly Income

If you are a retired expat, the amount you pay for EPS is based on total gross income. Depending on your tax residency, this amount can include all worldwide income, including from outside Colombia (for example, revenue from rental property, US social security, or pension income from your home country).

Gross monthly income is what you report to Colombia's version of the IRS, called the Colombian Tax and Customs National Authority (DIAN).

To arrive at your payment, use the following formula: Total Gross Monthly Income x 40% (contribution base % paid into EPS) x 12.5% (EPS monthly rate) = Total EPS monthly cost

For example, if your monthly gross income is $2,000 USD, multiply that by 40% to get $800 USD. Now multiply $800 USD by 12.5% to reach $100 USD. That is your total EPS monthly cost.

 INSIDER TIP  : Colombian Tax Residency-  If you live in Colombia for more than 183 days within 365 days, you are considered a Colombian tax resident.  Colombian tax residents are taxed on worldwide income, including income from the US. There is no current double taxation treaty with the United States.

Are expats required to pay for EPS health insurance in Colombia?

Yes, EPS health insurance is required for all legal residents in Colombia. When you renew a Colombian visa, you are required to buy EPS insurance and show proof of coverage from your EPS Health Provider Entity that the duration of the coverage is equal the maximum time of your visa.

How much do expats typically pay for EPS health insurance in Colombia?

EPS premiums depend on your financial situation, but expats usually pay around $100 USD monthly for EPS health insurance. This number assumes an income of roughly $2,000 USD per month. Keep in mind that the spouse and children of expats are covered by this same insurance without additional cost.

 INSIDER TIP  : EPS Complementary Plan (Plan Complementario)-  As noted before, you might opt to pay more to add on benefits not offered by EPS. These additional packages are not technically private insurance but are just added on top of the standard EPS coverage. For example, they may include special dental treatments or types of physical therapy that are not covered by the standard EPS. Complementary plans also reduces your waiting time for appointments.

What are the pros and cons of the state health insurance system in Colombia?

All healthcare systems have pros and cons. Keep the following in mind as you determine whether the Colombian healthcare system meets your preferences and needs.

Advantages of EPS Insurance

  • The state health insurance system in Colombia offers world-class health and medical facilities at an affordable price.
  • Colombian healthcare ranks higher (at #22) than many other countries, including the US, Germany, Canada, and Australia.
  • EPS plans provide basic Colombian medical insurance and dental and vision care coverage.
  • You can also add family members and dependents into their EPS plan at no additional charge. Read that again: no additional charge.
  • No maximum age limits- Expats over the age of 60 and have pre-existing health problems are still eligible for EPS, even though they would have a harder time qualifying for private healthcare.

Disadvantages of EPS Insurance

  • EPS is open to everyone. This policy often results in overcrowded public hospitals and lengthy waiting times for specialist treatments.
  • Unless it's a medical emergency, EPS is slow and takes a lot of patience. 
  • To see a specialist you must first get a referral from your primary doctor at your assigned IPS. With private prepaid insurance, you can go directly to specialists with little wait time for appointments.
  • Everyone, including foreigners and expats, MUST pay into EPS, even if they have international health insurance for expats.
  • Those paying international insurance may be frustrated and surprised by these mandatory contributions

Overview of Medicina Prepagada Private Health Insurance In Colombia

We discussed in the previous section that foreigners on a valid visa must pay for EPS public health insurance , resulting in a huge patient population for the country . The consequence of universal healthcare is frequent long wait times and crowded hospital rooms. These factors are why many expats and wealthy Colombians supplement EPS with Medicina Prepagada or Private Health Insurance .

This insurance can be purchased from local Colombian insurance companies . But those who are not satisfied with the combination of the mandatory EPS with Medicina Prepagada may purchase an international private policy from a  recommended expat medical insurance company .

How does Colombian private health insurance work?

The basic EPS health care policy is a foundation you can build. As noted, private insurance plans require you to have EPS as a base.

The "Medicina Prepagada" is an alternative high-end private health insurance system, but it charges premiums based on age and any pre-existing illness. Like a US health insurance plan , it enables payments or reimbursements for medical care received in Colombia.

Several local health insurance companies in Colombia offer private insurance plans to expats. With more access to private in-network doctors and hospitals than EPS, private insurance gives you a wide range of choices, shorter wait times, and direct access to specialists . With private insurance , your primary care doctor is not a gatekeeper; you can book appointments directly with specialists.

IMG Global Medical Plan

  • Excellent for expats looking for an affordable global plan with the flexibility
  • Your choice of plan options, geographic area, and deductibles
  • Enjoy preventative care with no waiting period on wellness benefits

Most plans start at around $150 USD per month but can reach up to $500 USD or more for the premium plans. However, there are several ways to reduce your expat health insurance costs . 

Unlike EPS, private insurance costs change based on age, gender, and medical history, and some insurance companies require a medical examination. Remember, these costs are on top of the mandatory contributions to EPS. In fact, before securing private health insurance , expats will be asked for proof of coverage in the public system.

 INSIDER TIP  : Supplemental Private Health Insurance-   Expats may choose to have both EPS and private medical insurance. For simple procedures, expats can use their assigned Instituciones Prestadoras de Servicios de Salud (IPS), which is the primary in-network health center designated by their EPS insurance provider. However, when experiencing typical frustrations with the public Colombian healthcare system, including long wait times for appointments and overcrowded facilities, expats rely on their private health insurance coverage.

What are the advantages of paying the extra cost of private healthcare in Colombia?

As an analogy, think of EPS as an economy-class airplane seat (crowded, few amenities, waiting in lines), and consider a private policy as upgrading to first-class. Private health insurance focuses on offering efficient, timely, high-quality care with the freedom to choose your doctor or specialist.

Private hospitals are a first-class upgrade compared to the crowded and less modern public hospitals

Additionally, private insurance provides access to a prescreened network of health care providers , including more coverage of specialists and treatment options, to provide you with alternative ways to handle your medical needs.

Private plans save you time and hassle by allowing access to specialists without going through a primary care doctor . You simply call to make an appointment to see any specialist or schedule a diagnostic test. As an added bonus, private doctors and medical staff are often better trained and more likely to speak English.

Let's return to our metaphor in the beginning. Think of EPS as economy-class; imagine waiting weeks to set a doctor 's appointment, then spending the day sitting in a crowded waiting room just to get a referral. Now consider first-class private health insurance , where appointments take days, not weeks, and can include a house call team of doctors that travel to your home for treatment , 24 hours per day, 365-days a year. 

William Russell International Health Insurance Plan

  • Perfect for expats who need customized care and don't visit the United States
  • Get complete coverage for inpatient care including full cancer treatments
  • Global coverage with a very strong network in SE Asia

Disadvantage Of Private Insurance In Colombia

Unlike public EPS insurance coverage, many Colombian private insurance companies have age restrictions and maximum age limits. 

Most private insurers will start charging higher rates for older expats over 60 and stop coverage entirely after 62 years old. 

Two private Colombian health insurance companies that insure older expats are:

  • Sura's Plan 60 plus provides coverage  until you reach 79
  • Coomeva’s  Tarifa Dorada Plan is one private medical insurance company that will continue to provide coverage until you are 100 years old

Domestic vs. International Private Medical Insurance

As an expat, you can choose domestic or international private health plans . Domestic plans offered by local Colombian companies provide medical treatment through their specific network of doctors . While global health insurance  provides international cover and allows you to see any doctor you choose.

I recommend international health plans vs. local insurance for expats, but there are pros and cons to choosing each option.

Common Features Of Both Local And International Plans

Both local and international plans offer a wide variety of services compared to public insurance. Generally, both policies provide access to better equipped and less crowded private hospitals, more experienced doctors , and a better chance of getting a bilingual doctor . Both offer comprehensive coverage , including not only medical expenses for hospitalizations, but dental, vision, and maternity care, as well. Both types of insurance are usually more affordable for expats than health insurance in the US.

Advantages of Local Private Insurance

For expats on a budget, the main advantage of a domestic plan is the price. Local health insurance, also called domestic medical insurance, focuses on providing coverage solely in Colombia.

Local insurance costs are lower than a comparable international plan without any of the specialized expat benefits and global coverage of an international health plan .

List of local Colombian Health Insurers  

  • Medisanitas
  • Axa Colpatria 

Advantages of international health insurance

The basic inpatient and outpatient medical benefits are very similar between local and international medical plans. However, international health insurance is designed with the unique needs of expats in mind. For example, international expat plans can offer the following:

  • Getting help in English: It's no surprise that most insurance companies in Colombia use the Spanish language. One question you need to ask yourself—if you don't opt into international plans—is whether your Spanish is up to the task of dealing with common insurance problems: arguing claims with an insurance adjuster, understanding your policies contract, and even dealing with customer service .
  • More comprehensive, international access to facilities: If Colombia doesn't offer the treatment you need, international expat insurance can locate quality care outside of Colombia. Even more, a global health insurance plan provides you access to hospitals in any country you travel to , which can be a lifesaver for expats who travel frequently.
  • Translation services: International companies can offer translators to ensure clear communication between you and your doctor .
  • Focus on personal comfort:  Global expat insurance can provide private rooms in higher quality private facilities where you will get more attention from doctors and nursing staff. 
  • Emergency evacuation service: International companies provide health emergency transportation and repatriation services back to your home country for medical emergencies. Some international plans include non-medical evacuation services in the event of political unrest or natural disasters.
  • Direct Billing: Many international health insurance providers can bill larger hospitals and family physicians directly, eliminating your financial burden of paying for medical bills in cash upfront and out-of-pocket. 

Top international insurer

Cigna Global Medical Insurance Plan

  • Perfect for expats who need need comprehensive protection and 24/7 service.
  • An international network with over 1.65 million trusted hospitals and doctors.
  • All plans include mental health and cancer care.

Key Take Aways: Expat Medical Insurance In Colombia

Colombia has become a very popular destination for expats looking to escape the high cost of living in the United States and Europe. Especially for Americans with soaring  potential health costs , the low prices of Colombian health  insurance can literally be a life-saving option.

By several measures, Colombian healthcare is not only highly affordable but one of the best in the world. The healthcare system in Colombia is ranked #22 in the world, has highly skilled doctors and excellent hospitals modernized with the latest equipment. Many foreigners now head to the country for medical tourism , with corrective eye treatment , joint replacements, and plastic surgery topping the list of procedures. 

Expats have a choice of three different  Colombian health  plans options: 

  • EPS Public Health Insurance Program ($)-   Compulsory health insurance  through the  country 's public EPS program for as little as $50 per month with vision and dental  coverage  and includes a spouse and children at no additional costs.
  • Domestic  Private Insurance Plan  ($$)-  For expats who want to avoid the hassle of dealing with overcrowded hospitals and want better-trained  doctors , local  private insurance  may be purchased for an additional cost. Plans can start at around $100 per month.
  • International Health Insurance Plan  ($$$) - A  premium insurance  with all the benefits of a domestic plan but with additional advantages for expats.  Expat health insurance  includes worldwide  coverage , medical evacuation or repatriation back to their home  country , and translation services to ensure clear communication in English between you and your  doctor . A 49-year-old male in good  health can find plans starting at $145 per month.

While EPS is the cheapest option, many foreigners prefer international private insurance with tailored benefits for the unique needs of global citizens. 

If you liked this story, you will enjoy these other posts on expat insurance

A comprehensive guide to philippines health insurance for expats, 24 facts about healthcare in the philippines every expat must know, how to get health insurance in colombia as a foreigner.

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FAQs: Health Insurance For Expats In Colombia

How do expats sign up for colombian medical insurance.

To apply for public insurance, you must first  acquire a valid Colombian visa . With a visa, you can obtain a cedula ID card from a Migración Colombia office. You can then apply for Colombian medical insurance through an EPS provider using your cedula. 

Your coverage starts immediately after approval.

To purchase local private insurance, you simply need a passport and to contact a Colombian health insurer directly or apply through a local insurance broker. 

To apply for international private insurance, you can click here to get free quotes from several different expat insurers. Additionally, you can read my article for a  recommendation of the best international health insurers .

What is the best low-cost expat health insurance in Colombia for US Citizens?

IMG is my recommended affordable expat insurance provider. Their Global Medical plans start at less than $100 for a 49-year-old male. This international plan can provide comprehensive coverage for expats while living in Colombia or anywhere they travel in the world.

Not only is IMG one of the cheapest international insurers, but they also have one of the highest customer service ratings. 

My article on  the best international health insurance providers  provides more details on IMG and other recommended global insurers.

Are expat retirees covered by Colombian medical insurance?

D epends if private or public insurance. Private plans usually have a maximum age limit of 60. Expats older than 60 will find their options reduced, and their rates increased. Sura, which can provide coverage until 79, and Coomeva's Tarifa Dorada Plan locking in coverage until 100, are the exceptions.

However, Colombia's public EPS plans cover all citizens and legal residents regardless of age. With a cedula and valid visa, expat retirees can purchase EPS medical insurance for 5% of their gross monthly income.

How much does expat medical insurance cost in Colombia?

The cost of Colombian health insurance for expats eligible for the country's EPS public plan is based on their income. Most expats on the contributory health plan pay less than $100 per month. Expats can upgrade to premium insurance for ~$150 per month from a local private insurer.

Expats who prefer global coverage, translation services, medical evaluation benefits, and access to advanced healthcare systems worldwide can pay for expat medical insurance. Expat insurance, on average, costs $200 per month from an international provider.

Hi, That's me. I'm Marco Sison . I am a survivor of the corporate rat race. I started Nomad FIRE to show you an alternative to the stress and grind of 70-hour weeks to pay off a mortgage, student loans, and countless bills. After getting laid off in 2015, I said screw it all and retired early at 41 years old. I have traveled the last five years to over 40 countries to show you the best ways to save, invest , and live in amazing countries for 70% less cost than the US. I have been featured in: US News & World Reports, Huffington Post, MSN Money, USA Today, ABC Network, Yahoo Finance, Best Life, CW Network, Dr. Wealth, and others. [view press...]

Hola Marco, thanks for this great article. I have a question: You state expats need to show proof of EPS coverage to buy a medicina prepagada plan. However, I cannot get EPS coverage until I’m in Colombia and have a cédula. BUT to even apply for a (digital nomad) visa I need to present proof of health coverage.

This seems like a catch-22, unless I’m mistaken about first needing EPS coverage to apply for a private plan.

It seems like a catch-22, but it is not. To get a visa, you need proof of health care coverage, not EPS. To fulfill this requirement, you can purchase Travel Medical Insurance (available monthly) or International Health Insurance (requires yearly commit).

You may be asking why you would get yearly insurance instead of monthly because Travel Medical requires you to maintain some healthcare coverage in your home country. If that is not available to you, then an annual international plan is kinda your only option.

Once you have a residence visa, then you can apply for EPS. Once you have EPS, then you can apply for medicina propaganda.

Make sense? Cheers,

This is my hang-up.

All the insurance policies are not just health. They include travel, luggage, disruption, and the like. I pay for insurance in addition to my medical in the US and to pay additional amounts between $500-1000/month isn’t doable. I don’t even use doctors or medicine.

And then when I speak with lawyers or consultants I get conflicting information.

Hi Patricia, I feel your frustration. Spending hours researching the web for outdated answers or getting contradictory information from different sources is infuriating. When talking to agents/consultants, it’s essential they understand what stage in the process you are and what your insurance goals are.

For example, Colombia requires you to have one kind of insurance to apply for residency, and then requires a different insurance once you become a resident. That might be where you are getting conflicting information.

Another area where things get confusing is there is a difference between “Travel Insurance” and “Travel Health Insurance.” None of the policies required to apply for a Colombian Visa or residency need luggage, disruption, etc.

I take it you are a US citizen? Do you plan on maintaining your US insurance? Are you trying to move to Colombia full time?

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Overview of Travel Insurance Coverage

What does travel insurance cover, what does credit card travel insurance cover, what travel insurance coverage do you need to pay more for, choosing the right travel insurance, what does travel insurance cover frequently asked questions, understanding what travel insurance covers.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

  • Travel insurance is intended to cover risks and financial losses associated with traveling.
  • Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
  • When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

  • Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
  • Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
  • Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
  • Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
  • Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
  • Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
  • Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
  • Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex, for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

travel insurance colombia

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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travel insurance colombia

  • Main content

IMAGES

  1. Seguros Para Viajeros Colombia

    travel insurance colombia

  2. Travel Insurance and Safety Guide Going To Colombia

    travel insurance colombia

  3. Best Travel Insurance For Colombia: 3 Unique Companies In 2024

    travel insurance colombia

  4. Best Travel Insurance For Colombia: 3 Unique Companies In 2023

    travel insurance colombia

  5. Travel Insurance for Colombia: Buyer's Guide

    travel insurance colombia

  6. Travel Insurance For Colombia: Stop picking randomly

    travel insurance colombia

VIDEO

  1. We leave Colombia

  2. Burglary covered in travel insurance #insurance #insuranceawareness #travel

  3. An interview with Zurich ambassador Camila Osorio

  4. Homeowners insurance and HOA fees offset falling condo prices in Florida, study says

  5. Is Colombia Still Worth Visiting In 2023

COMMENTS

  1. Travel Insurance for Trips to Colombia

    Learn how to buy travel insurance for your trip to Colombia, a destination with various attractions and challenges. Compare quotes from over 22 travel insurers and find the best plan for your needs, from trip cancellation to travel medical. Find out the benefits and limitations of travel insurance for Colombia.

  2. Travel Insurance For Colombia: The Best Options in 2024

    Compare the top four travel insurance providers for Colombia based on medical and trip coverage, pricing, and customer service. Find out why VisitorsCoverage, Insured Nomads, SafetyWing, and World Nomads are the best options for your needs and preferences.

  3. Travel Insurance for Colombia

    Learn how AXA Travel Protection plans can cover you against unexpected events that could interrupt your trip to Colombia. Find out what to look for in travel insurance, how much it costs, and how to get a free quote.

  4. Colombia Travel Insurance

    Learn how to protect your trip from unnecessary financial burden with travel insurance for Colombia. Find out the cost, coverages, and tips for travel health insurance, activities, and safety in Colombia. Compare plans and providers to suit your personal and budgetary needs.

  5. Travel Insurance for Colombia

    Learn how to plan your trip to Colombia with Travel Guard's travel insurance plans, tips and safety information. Find out the best travel insurance plan for your needs, the cost, the currency, the language and more.

  6. How To Pick The Right Travel Insurance For Colombia

    Learn the basics of travel insurance and what it covers, and how to choose the best policy for your trip to Colombia. Compare factors such as trip duration, destination, medical coverage, deductibles, and more.

  7. Travel Insurance for a Colombia Vacation (2024)

    The price ranges from more affordable to more premium coverage, but World Nomads offers $2,500 in trip cancellation, while the other plans only cover the trip cost. Likewise, Insured Nomads offers ...

  8. Decoding Colombia's Travel Insurance Maze: Expert Insights

    Travel insurance for Colombia can be a daunting decision, especially with the myriad options available. As I've been exploring Colombia since 2015, I have delved into the world of travel insurance and analyzed the top contenders for your Colombian adventure. This insurance guide presents my insights into three remarkable companies: Heymondo (get 5% off because you're a Tomplanmytrip reader ...

  9. Choosing Travel Insurance for Colombia

    The average travel insurance for Colombia should include $50,000 to $100,000 in medical emergency coverage. Emergency Evacuation. Colombia is a relatively safe place but, if you have an emergency, you might have to leave early. Emergency evacuation is a broad term for a lot of situations that your Colombia travel insurance may cover.

  10. > Travel Insurance Colombia

    AXA offers travel insurance for Colombian residents who travel inside or outside their country. Get a quote online and choose from 3 variants of protection, including sports activities and medical network.

  11. ColombiaTravel Insurance

    Familiarize yourself with the healthcare system in Colombia and ensure you have adequate travel insurance to cover any medical expenses. In case of emergency, dial the following numbers: Emergency Services: 123 (police), 125 (ambulance) Carry necessary medications and copies of prescriptions in your carry-on luggage.

  12. Travel Insurance for Colombia 2023

    That's why we've provided the IATI Total Comfort travel insurance for Colombia with up to €10,000,000 to cover any medical situation you may face and IATI Star with up to €1.000.000 to cover any health situation. Additionally, you will always receive this attention in the best medical centers and hospitals in the country.

  13. INSIDER Guide To Colombia Travel Insurance

    Colombia is a beautiful but diverse country with risks of crime, health issues, and natural disasters. Learn why travel insurance for Colombia is essential and how to find the best coverage for your needs.

  14. Travel Insurance for Colombia: Buyer's Guide

    Colombia, a country known for its vibrant culture, lush landscapes, and captivating history, offers a wealth of experiences for travelers. But, as any savvy investor or Rich Dad fan knows, it's essential to protect your assets, and that includes securing the right travel insurance policy for your trip.

  15. Colombia Travel Insurance

    Buy travel insurance as comprehensive insurance coverage in Colombia. It provides an umbrella of insurance coverage to foreign travelers to Colombia. Travel insurance in Colombia provides insurance coverage for: Trip cancellation or delay charges. Trip interruption charges. Loss of personal belongings, baggage, passport, wallet, etc.

  16. Travel Insurance: Meets the Health Insurance Requirement for Colombia

    Colombia now requires an international health insurance policy to apply for new Colombian visas. And this travel insurance policy from ASSIST CARD meets the requirement. Note that visas are now generally granted for the insurance policy term. Also, you can obtain private health insurance to meet the visa insurance requirement.

  17. Travel Insurance For Trips To Colombia

    At COLOMBIA ECOTRAVEL we've partnered with SquareMouth to offer you a comprehensive way to find trip cancelation and travel insurance for your trip to Colombia.

  18. Colombia Travel Insurance

    We offer travel insurance to citizens around the world. You can get instant online travel insurance quotes and receive your travel health insurance policy confirmation via email. Whether it's a beach holiday with the family, a business trip, or a training trip away, at SoEasy international travel Insurance, you can buy the best single trip ...

  19. Why we Got Travel Insurance for Colombia

    Overall, having travel insurance for your trip to Colombia offers numerous benefits, including financial protection, peace of mind, access to emergency assistance, and coverage for unexpected events. It ensures that you can explore the best that Colombia has to offer while being prepared for any unforeseen circumstances along the way.

  20. Colombia Travel Insurance

    Travel insurance for Colombia. Colombia's modern cities, Caribbean beaches and Amazon forests make it a number one worldwide destination on the list of most travellers. With Holiday Extras holiday insurance you can select a policy that provides the amount of cover that you require, and that helps to protect you from declared medical conditions, and unforeseen medical expenses - an essential ...

  21. Why we Got Travel Insurance for Colombia

    The number of road traffic accidents in Colombia increased to 13.5 people per 100,000 population in 2017. An increase of 20% from 2010 to 2017. In 2020 the rate had risen to 14.72 per hundred thousand people. It's not the worst country in the world for road traffic accidents, but it's not the best either.

  22. International Travel Insurance Plans

    Wherever your adventure takes you, international travel insurance can help you travel with peace of mind. If you become sick or injured while traveling; or if circumstances cause you to cancel or interrupt your trip, international travel insurance is there to help you. And, with our OneTrip Prime plan, kids 17 and under are covered for free ...

  23. The Expat Guide To Colombian Health Insurance: EPS, Private, International

    TIP 1. Understand Colombia's visa policy- A decade of experience living abroad taught me that a country's resident visa and permit situation can make or break a plan to move overseas.Chat with a Colombian visa attorney.. TIP 2. Know your health insurance requirements- Starting July 2022, the government requires all expats living in Colombia to purchase specific medical coverage that includes ...

  24. What Does Travel Insurance Cover? Key Features Explained

    Travel insurance is intended to cover risks and financial losses associated with traveling. Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.

  25. Travel Medical Insurance: How it works

    Travel medical insurance deductibles work in the same manner as other types of insurance deductibles. The deductible is the amount you must pay out of pocket before a policy's benefits kick in.

  26. Travel Insurance Costs Rise: March 18, 2024

    Amy Danise is the managing editor for the insurance section at Forbes Advisor, which encompasses auto, home, renters, life, pet, travel, health and small business insurance.