Mochiliante
Mochiliante
Can you imagine having a medical emergency in another country and not knowing who to call or how much you will have to pay? Sounds like a nightmare, right? Well, if you're thinking of traveling to Colombia, this guide is for you.
The short answer is: no, it is not mandatory for most travelers. Colombia does not require health insurance for tourists from countries such as the United States, Spain, Mexico, Argentina or Chile, for example.
However, if you are going to engage in high-risk activities (such as extreme hiking or diving), some operators may ask you for a valid policy.
This is where many are surprised!
Private medical consultation: between USD 50 and USD 150
X-rays or specialized exams: USD 80 to USD 200
Hospitalization for one night: from USD 300 to over USD 2,000
Ambulance transfer: between USD 100 and USD 300
So, as you can see, the risk of traveling without international travel insurance is quite high. A small accident or a meal that didn't sit well with you could financially ruin your trip.
An international travel insurance is basically a protection package that you take with you. It works as a lifeline in case of unforeseen events while you are outside your country.
Medical expenses due to accident or illness
Medications
Ambulance and medical repatriation
Dental emergencies
Flight cancellations
Loss or theft of luggage
Legal assistance and translation
24/7 attention (in your language if you contract with companies like Assist Card)
Here are some tips to help you choose your international travel insurance:
Sufficient medical coverage: Minimum USD 10,000 in medical expenses. More if you are going to rural areas or doing extreme activities
24/7 assistance: Even today, some airlines or countries require this as a condition of entry or return.
Activities you are going to do: Are you planning to go hiking, cycling or diving? Make sure it covers it.
Opinions of other travelers: Check forums and reviews. Assist Card, World Nomads, Allianz and Axa Assistance are highly rated.
The price can vary quite a bit depending on several factors: your age, the number of days you travel, the type of coverage you need, and even the destination. But don't worry, here I give you a range to give you a realistic idea:
For a short 7-day trip to Colombia, basic insurance can cost you between USD 25 and USD 70.
If you prefer more comprehensive coverage with options like Assist Card, the price can go up to about USD 100 or more, but you will have more peace of mind and benefits.
Here's a fact that many overlook! Some credit cards include international travel insurance at no additional cost, as long as you purchase the ticket with that card.
Visa Platinum or Signature
MasterCard Gold, Platinum or Black
American Express (various levels)
Activate it in advance. In many cases, you must notify the bank or download a certificate from their website.
Read the fine print. Some only cover accidents, not illnesses.
Limited coverage. They usually have lower limits than insurance contracted externally.
Few extra coverages. Sometimes they do not include flight cancellations, loss of luggage or extreme sports.
So, if you have one of these cards, check what it includes. It can be a good option for a short or low-risk trip, but it is not always enough if you want full coverage.
Can I enter Colombia without health insurance?: Yes
What happens if I get sick in Colombia without insurance?
You will have to cover all the costs yourself. And they are not cheap at all.
Is my credit card insurance useful?
Yes, but it depends. It can be useful, but always check the coverage and conditions.
What does Assist Card cover?
It offers medical care, repatriation, 24/7 assistance, and many times you do not need to advance money. It is one of the most complete.
Is it mandatory to take out insurance for extreme activities?
It is not legally mandatory, but some tourist companies might not accept you if you don't have one
Traveling to Colombia without health insurance is not illegal... but it could be a bad idea. For very little money, you can avoid big headaches. Whether you contract an independent international travel insurance, use your credit card's, or choose a comprehensive option like Assist Card, the important thing is to be covered.
Thank you for reading us and for taking care of your trip! ✈️🧳 We hope this guide helps you make a smart decision and travel with total peace of mind. Enjoy every corner of Colombia with safety and freedom! See you on your next adventure, Backpacker. 🌍😉
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