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Sura travel insurance review: All you need to know about it
Discover reviews of SURA travel insurance: we analyse its products, coverage, and everything it offers to travellers.
Are you planning a trip and need reliable insurance to cover you? Here’s a post to help you evaluate your options. SURA travel insurance review: all the details of its policies. Stay tuned to see if this service could be the lifeline you need in unexpected situations and if you’ll trust your trip to them.
What is SURA travel insurance and what services does it offer?
Grupo SURA is a leading holding company within the SURA-Bancolombia Financial Conglomerate, with over 80 years of experience in the market. Among its wide range of products, SURA travel insurance stands out for its presence across several Latin American countries, including Colombia, Chile, Mexico, Panama, the Dominican Republic, and Uruguay, offering travellers global protection solutions and peace of mind.
What does SURA travel insurance cover?
- Medical assistance: covers medical expenses in case of accidents or illnesses during your trip.
- Baggage protection: compensation for lost or delayed luggage.
- Trip cancellation cover: reimbursement of expenses in case of unexpected cancellations.
- Legal assistance and repatriation: support in legal situations and coverage of repatriation costs in emergencies.
SURA travel insurance plans
The specific coverage and limits of SURA travel insurance depend on the country of operation and the plan you choose, because not every traveller has the same needs (or the same budget). We reviewed their regional offer and compared them to give you a general idea of how protected you’d be with SURA:
1. Basic Plan: for short trips with low risk. Covers personal accidents, basic medical expenses, and travel assistance.
2. Standard Plan: includes wider coverage such as repatriation, baggage loss, and medical expenses for accidents or illness. Recommended for international trips.
3. Premium Plan: provides the highest cover for frequent or long-term travellers. Includes compensation for trip cancellations, civil liability, and high medical expense limits.
| Coverage | Basic plan | Standard plan | Premium Plan |
| Emergency medical expenses | Up to $10,000 (€9,200) | Up to $50,000 (€46,000) | Up to $100,000 (€92,000) |
| Dental assistance | Not included | Up to $500 (€460) | Up to $1,000 (€920) |
| Medical repatriation | Included | Included | Included |
| Baggage loss | Not included | Up to $1,000 (€920) | Up to $2,500 (€2,300) |
| Trip cancellation | Not included | Up to $2,000 (€1,840) | Up to $5,000 (€4,600) |
| Civil liability | Not included | Up to $50,000 (€46,000) | Up to $100,000 (€92,000) |
Extensions and additional options
Do you want more protection for extreme sports? Go on! Need additional baggage cover? Of course! You just add these “extras” when purchasing your policy. This way, your insurance is tailored to you. These options are usually customisable at the time of contracting.
| Extreme sports | -Cover for activities such as diving, skydiving, climbing, and more.-Includes medical expenses and repatriation in case of accidents during these activities.-Requires an additional surcharge of 20–30%, depending on the country and activity. |
| Pre-existing condition cover | Some plans allow limited cover for pre-existing illnesses in emergency cases. |
| Extended stay | Possibility to extend the duration of the insurance if the trip gets prolonged. |
| Business travel | Additional coverage for electronic devices, tools, and other items linked to professional activities. |
What exclusions does SURA travel insurance have?
- Pre-existing conditions: medical conditions existing before the trip starts are not covered.
- High-risk activities: extreme sports or dangerous activities are not covered unless you purchase a specific additional extension.
- Events related to alcohol or drugs: incidents under the influence of these substances are excluded.
- Suicide or self-harm: attempts of suicide or self-inflicted injuries are not covered.
- Armed conflicts: events linked to wars, invasions, or terrorism acts are excluded.
Reviews of SURA travel insurance and customer support
SURA travel insurance stands out for offering a wide variety of customer support channels, making it easy for users to access assistance quickly. The main contact options include local and international phone lines, allowing travellers to solve issues or request help from different locations, even abroad. In addition, they also provide a WhatsApp line, a channel that’s increasingly popular for its immediacy and ease of use, letting customers interact comfortably and get quick answers.
Reviews of SURA travel insurance and its website
Another highlight, both in customer support and user experience, is their official website. Through it, users can not only access relevant information about travel insurance services and cover, but they also have the chance to manage their policies, request personalised advice, or get online quotes. This means that from home, or anywhere with internet access, you can compare options and find the most suitable insurance without delays or travel.
Like digital tourists, we explored SURA’s website. The design feels modern, the colours are pleasant, and the main menu makes navigation simple. Insurance services are clearly categorised, and cover details are accessible in just a few clicks.
Positive points:
- Ease of navigation: Menus are well structured, helping users find what they need quickly among a range of services, not just travel insurance.
- Quotation process: The online quote form is clear, with intuitive fields and a quick response for estimated prices.
Areas to improve:
- Languages: Currently, there doesn’t seem to be a multilingual option across all sections, which would be useful for international travellers.
- Page loading speed: On slow connections, some sections may take longer to load.
Advantages and disadvantages of SURA travel insurance
Travelling with SURA or just relying on luck? Either way, here’s a comparison table to help you decide with more arguments than just “it looked cheap”.
| To keep | To improve |
| Global protection with physical presence in 11 Latin American countries. | Clearer information on exclusions and specific restrictions in some plans. |
| Variety of plans adapted to specific needs. | Website technical support could be more dynamic. |
| Local and international support lines available. | Claims process sometimes slow and complicated. |
| Quick online quotation process. | |
| Comprehensive cover for health, baggage, and cancellations. |
User experiences and reviews of SURA travel insurance
When it comes to SURA travel insurance reviews, it’s important to note that this product is just one of many solutions offered by this major business group. SURA not only focuses on travel insurance, but also provides general insurance, life cover, pensions, and investment funds, making it a benchmark in Latin American insurance and finance. This broad focus partly explains the limited visibility of specific travel insurance reviews on public platforms, unlike providers such as Assist 365 or Allianz, since its global reputation spans a much wider range of services.
In Colombia, for instance, SURA enjoys strong reception. In 2020, the company was ranked as the fourth most reputable firm in the country by the Corporate Reputation Business Monitor (MERCO). It was also recognised as the seventh best company to work for in Colombia and came fourth in corporate governance, reflecting its commitment to high ethical and organisational standards. In the insurance sector, SURA stood out as the clear leader, holding the top position in perceived quality within its category.
This suggests that, although specific reviews of SURA travel insurance are not abundant, the overall trust inspired by the brand reflects quality across the board. On its official site, SURA even offers a suggestions box for users to share complaints, positive feedback, and general opinions, which seems like a strategy to address improvement areas while maintaining a strong focus on customer satisfaction.
Secure your connection while travelling
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Frequently asked questions about SURA travel insurance
It includes cover such as medical expenses for accidents or illness, medical and funeral repatriation, trip cancellation, and baggage loss or delay.
No, you must purchase the insurance before starting your trip and from your country of origin.
Yes, but you need to add a specific extension covering activities such as diving, skydiving, climbing, and other high-risk sports.
You must immediately notify the transport company and file a claim with the baggage reference number. Then, contact SURA to manage compensation.
SURA processes claims within 28 days, provided you submit all required documents.
Some policies may include limited cover for emergencies related to pre-existing conditions. It’s important to confirm this when purchasing the insurance.
You can reach them through international phone lines, WhatsApp, or local support channels provided by SURA.
Yes, SURA allows you to extend your insurance if your trip is unexpectedly prolonged. However, you must request the extension before the original policy expires.
You have up to 72 hours to report any covered incident. If you fail to do so within this timeframe, you may lose your right to reimbursement or assistance.
