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Travel insurance for Ecuador

Compare the best travel insurance for Ecuador in 2021.

Ecuador has the most biodiversity for its size of any country in the world, drawing visitors each year to take in its natural variety, awe-inspiring landscapes and rich local traditions. Before you pack your camera and hiking boots and hop on a plane, pick up a comprehensive travel insurance policy so you can relax on your vacation knowing that if you run into any misadventures, your policy has you covered.

What's changed in 2021?

The US government has issued a Level 3 travel advisory for Ecuador as of February 2021. Read the fine print of your travel insurance policy to learn whether it covers emergencies, evacuations, interruptions or cancellations for your DR trip during the pandemic. Learn more about restrictions and requirements for US travelers by country.

*Be aware that most travel insurance policies don’t offer COVID-19 coverage. To find one that does, have a look at travel insurance policies that cover the coronavirus.*

How to compare travel insurance for Ecuador

The extent of coverage in any policy can widely differ. Are you staying low-key, or are you going for some heart-pounding adventure?

Comprehensive policies typically cover everything you need all together. Think about the basics and work your way out from there starting with the following:

  • Medical care. If you get sick or injured while abroad, costs can pile up quickly if you aren’t insured. Treatment at private hospitals and clinics is very expensive and they expect cash payments up front. Find a travel insurance policy that pays up front or be prepared for the possibility of paying out of pocket for these costs.
  • Evacuation and repatriation. In the event of a health emergency in isolated areas, including the Galápagos Islands, you may require medical evacuation to more advanced facilities, so get a policy with evacuation and repatriation coverage.
  • Trip cancellations. If you have to cancel your trip due to unforeseen circumstances, such as a flood or violent protests, your insurer can reimburse you for the cost of your trip.
  • Lost or stolen belongings. If the airline loses your luggage or your belongings are stolen while in Ecuador, your insurer can reimburse you.
  • Multitrip. Are you a frequent traveler to Ecuador? Consider a policy that covers you for all your travels.
  • Group coverage. If you’re traveling as a family or are visiting with a group of friends, get coverage for everyone under one policy.

Extra coverage

Activities that are considered risky by insurers are often excluded from basic travel insurance policies. If you plan to get your adrenaline pumping while in Ecuador, keep these extras in mind:

  • Boating and water sports. Ecuador’s coastline and numerous rivers lend themselves to boating and water sports.
  • Hiking and mountaineering. Ecuador has several mountains over 18,000 feet that offer breathtaking views. Some insurers will have maximum altitude limits for mountain climbing, so check your policy before you leave.
  • Adventure sports. Ecuador’s vibrant landscape provides opportunities for adventure sports such as bungee jumping and rock climbing.

Compare travel insurance for Ecuador

Name Product Trip Cancellation Emergency Medical Expenses Baggage Coverage Trip Delay
Atlas Travel by Tokio Marine
Customizable policy that balances basic essentials with premium coverage.
Atlas Group Insurance by Tokio Marine
Customizable policy designed for families, student organizations and groups of five or more people.
RoamRight Essential Travel Insurance Plan
Basic policy with coverage that includes trip cancellation insurance, tourist health insurance and baggage insurance.
RoamRight Multi-Trip Annual Insurance for Trip Cancellation
Bare-bones policy designed for those who want trip cancellation coverage and limited medical protection.
AXA Assistance Silver Plan
Basic travel protection with lower amounts of coverage. No option to cancel for any reason.

Compare up to 4 providers

How to stay safe in Ecuador

While Ecuador is a popular tourist location, there are safety concerns you need to be aware of. Be mindful of any of the following to avoid filing an insurance claim:

  • Disease. Yellow fever, dengue fever, malaria and Zika are all found in Ecuador. Ensure you are up to date on all vaccinations and take steps to protect yourself from mosquitoes. Health officials recommend travelers drink boiled or bottled water and avoid ice cubes and undercooked foods.
  • Crime. Both petty theft and violent crime with firearms occur in Ecuador, particularly in the border regions where kidnappers are known to target even large groups and organized tours. Avoid traveling alone or at night where possible, take care with valuables and cooperate with assailants to ensure your own safety.
  • Natural hazards. The wet season in Ecuador is from December to May in coastal regions and from May to November in the Oriente (the region east of the Andes). Flooding and landslides are more common at this time but can happen at any time of year. Ecuador is also seismically active, so be aware of the risk of volcanoes, tsunamis and earthquakes.
  • Civil unrest. Avoid protests, strikes and demonstrations as they may turn violent with little warning. Demonstrations can sometimes block traffic, so check local news stations the day before your departing flight.
  • Travel hazards. Avoid unlicensed taxis and only use those with a clearly displayed registration sticker. Licensed taxis in Ecuador are equipped with panic buttons and video cameras. Roads in Ecuador are passable in developed areas, but may be poorly lit and unmaintained in rural areas.

What doesn’t insurance cover?

Your coverage varies depending on your policy. But always use common sense while traveling or your claim could be denied.

  • Failure to take precautions. This includes not using safety equipment, not getting the required immunizations, failing to properly secure belongings or not taking reasonable steps to ensure your own safety.
  • Failure to obey signs, warnings and laws. These can include road signs, local laws and marked warnings like the minefield signs around the Ecuador-Peru border. You are required to carry personal identification with you at all times in Ecuador or you may be detained.
  • Traveling to an unsafe area. Avoid traveling to areas that the US Department of State has issued an advisory against.
  • Failure to declare pre-existing conditions. If you have any pre-existing medical conditions, make sure you tell your insurer and find out if you can get coverage before purchasing a policy.

Must read: Ayahuasca tourism

Many tourists are going to Ecuador for ayahuasca trips, using legal psychedelics administered by local shamans to take a “spiritual tour.” There is no effective way to vet ayahuasca tour operators, and it may be difficult to predict how the substances will affect you.

Visitors have reported being robbed or assaulted while under the influence. Carefully look at your policy for explicit exclusions or language like “be aware of your surroundings,” which could allow your insurer to refuse ayahuasca-related claims.

Who do I contact in an emergency?

Depending on the emergency, your best contact may be one or more of the following:

  • Your airline, employer or tour operator. For relevant issues it may be best to contact them first.
  • Your insurer. Your insurer should have a 24/7 helpline you can call for assistance.
  • Local emergency services. Familiarize yourself with the emergency numbers in your area. Call 911 in Quito and Ibarra, 112 in Guayaquil, Cuenca and Loja and 101 everywhere else in Ecuador. Make sure you get a police report for insurance purposes if you’re the victim of a crime.
  • A US embassy or consulate. If you lose your passport, get into legal trouble or if there’s a countrywide emergency, contact the closest US embassy or consulate.

Bottom line

Whether you’re off to retrace Charles Darwin’s footsteps across the Galápagos Islands or unwind on an eco-tour inland, a trip to Ecuador is bound to be a vacation full of beauty and wonder. Before you leave, pick up a travel insurance policy so you don’t end up wondering how you’re going to afford to replace that camera you lost at the airport.

Frequently asked questions

What are the entry requirements for Ecuador?

US citizens can enter Ecuador for up to 90 days without a visa as long as they have a US passport that’s valid for at least six months.

What are the rules around visiting neighboring countries?

If you plan to visit any neighboring countries, make sure to let your insurer know ahead of time. If you become sick or injured while in a country not listed on your policy, your insurer can deny your claim.

How do I get cell service in Ecuador?

The cheapest way to get cell service while in Ecuador is to pick up a prepaid SIM card. For a SIM card to work, your phone needs to be unlocked — check with your provider about unlocking your phone. If your phone can’t be unlocked, you can still use Wi-Fi texting and calling apps when you have access to the Internet.

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