Machu Picchu Trek
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Inca Trail Travel Insurance for Machu Picchu

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Inca Trail travel insurance for Machu Picchu is a must. In fact, most tour operators will require you to have ‘adequate’ cover.

But what does adequate mean?

What it doesn’t mean is standard travel insurance, as these policies don’t cut it at ‘high altitude’, so do not waste your time looking at them as they will be useless if an accident happens while you are on the Inca Trail, or indeed any of the alternative trails.

In this detailed article we will explain the main clauses that you should ensure your Inca Trail travel insurance policy covers.

Please Note: This article is based on our personal experience, extensive research on high altitude insurance providers and on feedback from 100s of previous Machu Picchu trekkers. We are however not insurance experts so please read all small print on policies that you consider and if in doubt consult a qualified insurance expert.

Quicklinks

Trekking Insurance and High Altitude

The main consideration for your Inca Trail travel insurance is that it covers you for trekking over 4,000 meters. Most, if not all standard travel policies, will not cover you up to this altitude.

If you plan to trek the Inca Trail, the highest altitude you will reach is Dead Women’s Pass (ominous name, but it’s not that scary) at 4,200 meters. Alternative Machu Picchu trails like the Salkantay, Lares and Vilcabamba go even higher. On the Salkantay Trail you traverse the Salkantay Pass at a maximum altitude of 4,600 meters,  on the Lares you trek across the Hualcacassa Pass (4,425 meters), Qolqecasa (4,200 meters) and Auroracassa Pass (4,600 meters), and on the Vilcabamba Trail you will cover the Abra Malaga Pass (4,315 meters), Yanococha Pass (4,420 meters) and the Tulla Tacanca Pass (4,500 meters).

Even the Huchuy Qosqo Trail, the lowest of the alternative trails, goes beyond 4,000 meters.

We recommend using Inca Trail travel insurance from Worldnomads.com travel which includes cover for trekking over 4,000 meters. This clause needs to be preselected though, which we explain how to do using the calculator below.

Accidents, Evacuations and Medical Treatment

Accidents on a Machu Picchu trek are rare but do occasionally occur. If you are unfortunate and experience bad altitude sickness symptoms, a serious or even minor fall (like a twisted ankle), or indeed any other number of issues that can go wrong when trekking in remote mountain and exerting your body at high altitude, then you will want good evacuation and medical treatment cover. The trails to Machu Picchu are remote and getting stuck in a small village with even the most innocuous ailment can spell disaster and be very costly.

The key thing to look for is that your policy Inca Trail travel insurance covers the cost of evacuation and proper medical treatment in the country you are trekking, i.e. Peru.

We recommend writing down your policy number and any emergency numbers and keeping this information on your person whilst trekking. Also inform your trekking partners / guide where this information is kept, and give the information to your operator so that they can act on your behalf if you are incapacitated.

Lost, Stolen, Damaged and Delayed Baggage

There are always a number of trekkers who suffer the irritation and unnecessary cost of lost, stolen, damaged our delayed baggage issues, either in Lima, or more often in Cusco. If this unfortunate event happens to you it can result in delaying your trek, bit more importantly will cost you quite a lot of money, as you will need to rent or buy trekking equipment in Cusco.

Most travel insurance policies include this cover as standard.

If you are carrying expensive equipment like a camera make sure that your policy limit exceeds this value. What’s the point of trekking to Machu Picchu without the means to capture the experience on your camera.

Top tip: Make sure to wear your trekking boots on all flights to Cusco, including your international flight to Lima, and keep valuable items like your GoPro or camera on you at all times. This way, if your baggage gets lost or stolen, you will have the most important piece of gear (your boots) and your most valuable item (your camera) kept safe and sound. Also, wearing your boots will help lighten your baggage.

Flight / Tour Cancellations, Interruptions, Delays

Flight and tour cancellations are rare, but flight interruptions, and particularly, delays are actually quite common in Cusco. If you are on a tight schedule with connecting flights then proper travel insurance that covers you for flight or tour cancellations, interruptions and delays is important.

Over and above this you should check that your tour operator is registered with ABTA / ATOL or equivalent.

Inca Trail travel Insurance Calculator – Try it!

Below is a useful travel insurance calculator which will give you an immediate quote based on your country of origin and length of travel.

Enter detail and and hit ‘Get a Price’

Try it Now

Visit World Nomads to get a price now!

Tags: Travel Insurance Peru, Travel Insurance for Peru, Inca Insurance, Inca Trail Insurance, Inca Trail Travel Insurance, Travel Insurance for Inca Trail, Travel Insurance for Machu Picchu

References: Inca Trail travel insurance from Worldnomads.com and ABTA

Leave a Comment:

10 comments
Brenda slater says January 8, 2016

We are covered with our insurance for medical expenses but not personal liability for over 2000its, can we get a quote to cover this for the 4 days we are doing it. 2 people aged 64

Reply
    Mark Whitman says January 8, 2016

    Hi Brenda, thanks for getting in touch. We’re not an insurance provider but if you use the quote tool above, from World Nomads, they will be able to provide you with a price and suitable product. All the best!

    Reply
Whitney Conner says July 28, 2016

The agency is not asking for passport info or anything. Is that normal?

Whitney

Reply
    Mark Whitman says July 30, 2016

    Hi Whitney, you only need to provide your passport details if you are planning to do the Inca Trail. Permits are not required on the alternative trails. You will need your passport to access Machu Picchu. All the best!

    Reply
Sara says August 17, 2016

I don’t see where you add the clause about being covered for trekking over 4000 meters. Which plan do I need to get with World Nomads to have this covered?

Reply
    Mark Whitman says August 20, 2016

    Hi Sara, on the quote page click ‘View full description of coverage’ and then scroll to section 17: Work, Sports and Activities. You should see the coverage there or what is required to upgrade the coverage if it is not included as standard. Cheers!

    Reply
      Shalabh Saxena says February 13, 2017

      I read the ‘View full description of coverage’, but could not find section 17: Work, Sports and Activities. Can you please clarify if we need to go with Standard or Explorer plan for 4D Inca Trail hike?

      Thanks,
      Shalabh

      Reply
        Mark Whitman says February 13, 2017

        Hi Shalabh, it really depends on your country of origin. If you are unsure I recommend contacting World Nomads directly. Cheers!

        Reply
Rosalie says March 26, 2017

FYI: We’re hiking the Inca Trail this September. I spoke w AIG Travel Guard Insurance & was told they have NO exclusions for high altitude. Are you aware of this?

Reply
    Mark Whitman says March 27, 2017

    Hi Rosalie, yeah I believe Travel Guard also provide adequate high altitude trekking insurance. Good luck on your hike!

    Reply
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