What travel insurance benefits could cover travelers in Peru during civil unrest?
While coverage for the unrest in Peru is limited, the following benefits may apply:
Non-Medical Emergency Evacuation: This benefit covers the cost of transportation from a place of danger to a place of safety during a time of civil or political unrest. To be eligible for Non-Medical Evacuation under most policies, the local authority must order the evacuation. Additionally, some policies require the US to issue a travel warning in order to be covered.
Trip Cancellation and Trip Interruption: While political and civil unrest is usually excluded from this benefit, some policies may cover cancellations if a traveler’s main destination reaches a Level Four Travel Advisory prior to or during their trip. Other than that, the only way to be covered to cancel a trip is with Cancel For Any Reason coverage.
Cancel For Any Reason: This optional upgrade offers flexibility to travelers, allowing them to cancel their trip and receive partial reimbursement for a reason otherwise not covered by their policy. Given that many standard policies exclude political unrest from their coverage, a policy with the CFAR benefit could be able to provide protection for those no longer wanting to travel to Peru during this period.
Emergency Medical and Medical Evacuation: Travelers who are injured, receiving treatment, or require medical evacuation during the situation in Peru may be covered by their policy’s medical benefits. This coverage is only available if civil unrest or riots are not listed in the policy exclusions.
This information can vary based on the travel insurance policy. We recommend reviewing the policy certificate or contacting your insurance provider to verify coverage for this specific situation.
If you have further questions about a specific policy, you may also contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET seven days a week and are delighted to help!
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