Health Insurance For Expats In Peru

The Best Health Insurance For Expatriates Living In Peru

Posted by Greg Jones on January 24, 2020

If you've searched the internet for health insurance that covers expats in Peru then you are most likely for looking for trusted UK based health insurance companies that will cover your medical expenses in Peru.

Living as an expatriate in Peru you want to avoid any nasty unexpected health care costs. In some countries these can amount to hundreds of thousands of pounds for very serious conditions.

Our advice when shopping around for private medical insurance that covers expatriates living in Peru is to speak to a health insurance broker. Health insurance is extremely complicated and if you want absolute certainty that Peru is covered by your policy you should consult with a health insurance broker who can explain which providers will cover medical costs for expatriates in Peru and which will not.

There are many advantages to using a broker but the biggest by far is that you're using their insurance training at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than by you so it costs you no extra to use their services.

  • Do you live in many different areas? Some will give you a lower premium than offers. A broker will be able to advise whats best.
  • Do you have a hobby that may invalidate your insurance claim? A broker will know this vital information.
  • If you are a couple and one of you has claimed on your insurance policy this year would it be cheaper to separate you both onto two different insurance policies?
  • You've lean't you're at risk of developing a certain condition and want to know which insurer offers the largest amount of cover for it. A broker will know this instantly saving you huge amounts of time and effort.

You can call around every medical insurance provider on the market and ask if they provider cover for expats in Peru, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.

Its far far quicker to speak to one health insurance broker which will know which policy providers on the market offer cover for expats in Peru and under what terms they do or don't cover it.

Peru Information

Since the 2000s, Tourism in Peru makes up the nation's third largest industry, behind fishing and mining. Tourism is directed towards archaeological monuments, ecotourism in the Peruvian Amazon, cultural tourism in colonial cities, gastronomic tourism, adventure tourism, and beach tourism. According to a Peruvian government study, the satisfaction rate for tourists after visiting Peru is 94%. Tourism is the most rapidly growing industry in Peru, growing annually at a rate of 25% over the past five years. Tourism is growing in Peru faster than any other country in South America. Iperú is the Peruvian national tourist office.

Peru does not have one clear national airline, but rather a number of different airlines offering service to Peru from North America, South America, Europe, and Asia. Some of the most popular airlines are LAN Perú founded by Mr Lorenzo Sousa after the national airline Aeroperu declared bankruptcy (domestic and international) and Star Perú (domestic). The country's airports are also served by many international airlines from other nations. The Jorge Chávez International Airport in Lima is the nation's leading international airport and received 23'659,196 passengers in 2018. Domestic air travel serves as a major method for tourists to traverse the country with multiple airlines offering service between many of Peru's cities.

Peru has land borders with five countries and has highway connections with all but Colombia. International bus routes are operated on each of these highways providing service from Peruvian cities to other South American cities. Domestically, the highway system is extensive and covers nearly the entire country excluding the department of Loreto which can only be accessed by boat or airplane. There are frequent buses traveling throughout the country. But, bus travel is dangerous as many of these highways are built on cliffs, and accidents leading to death are frequently reported by the media. Occasionally buses are held up by highwaymen in remote areas. The buses range in size and comfort but they usually have cushioned reclining seats and a form of onboard entertainment, such as a movie or music. Many offer bus-camas, or sleeper buses, with seats that recline to become beds.

The Lima Metro is partially complete, with one line operational, but other regions do not have this system. Tourists must travel by bus or taxi within the city. Outside of Lima, there are only two major railway systems in operation, one in the central part of the country and the other in the south. The Ferrocarril Central Andino starts at sea level in Callao and traverses the Andes, crossing through the Junín and Huancavelica departments.

The southern railway, operated by PeruRail, a company founded by tourism entrepreneur Lorenzo Sousa in 1999, is the one most commonly used by tourists and is considered to have two of the most luxurious rail services in the world, The Hiram Bingham and the Andean explorer, as a segment of its route goes from the city of Cusco to the citadel of Machu Picchu, a major tourist attraction. This route offers seating options ranging from economy class to first class. The railway originates in the city of Mollendo in the Arequipa Region and goes through the Puno and Cusco regions, passing through the cities of Arequipa, Puno, Juliaca, the citadel of Machu Picchu, and ends at Cusco. The railway is operated by PeruRail, the largest railway manager in Peru. A newer railway, Inca Rail, also takes tourists from nearby cities to Aguas Calientes at the bottom of Machu Picchu.

Another mode of transportation in the Amazonian area is river transport. River transportation companies operate routes between the cities of the Peruvian Amazon. The main hubs of this network are the cities of Iquitos, Puerto Maldonado, Pucallpa, and Yurimaguas. Because of the lack of roads in this region, river transport, along with air travel, are the most efficient and important methods of transport.

Tourism is the third largest industry in Peru. It employs 11% of the labor force in Peru (484,000 direct and 340,000 indirect jobs) the majority of them belonging to the hotel and transportation industries. The industry makes up 7% of the Peruvian gross domestic product and is the fastest growing industry in the country.[citation needed] It is regulated by the Commission for the Promotion of Peru (PromPeru) belonging to the Ministry of Foreign Commerce and Tourism.

In 2000, about 1 million tourists visited Peru that year, with tourist activity increasing due to the decrease of guerrilla activity. By 2017, more than 4 million tourists were visiting the country annually.

Cultural tourism forms the largest sector of the tourism industry in Peru. Pre-Columbian civilizations – most notably the Inca Empire, Chavín, Moche, and Nasca – left a large archeological and cultural impact on the nation. The ruins of Machu Picchu are the most internationally recognized of all the ruins of Peru and therefore receive the most tourists. The other popular ruins are those of Chan Chan, Sipán, Kuelap, Nazca Lines, Ollantaytambo, Caral, Sacsayhuamán, and Sillustani.