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Travel insurance for Nicaragua

Compare the best Nicaragua travel insurance in 2021.

Volcan Concepcion in Omotepe Island

Nicaragua is a fast-growing tourist destination that combines unspoiled natural and historical attractions with Spanish colonial architecture in the capital of Managua and neighboring areas. With dramatic terrain of volcanoes, lakes and surf beaches, Nicaragua has become a popular getaway to go climbing, surfing and horseback riding. However, as its nickname suggests, the Land of Lakes and Volcanoes isn’t without risks, so it’s a good idea to pick up a comprehensive travel insurance policy before you go.

The US government has issued a Level 3 travel advisory for Nicaragua 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 Nicaragua getaway 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 Nicaragua

Consider the nature of trip and what it will entail. Look at taking out a travel insurance to protect you against common travel risks, including any of the following:

  • Medical costs. If you get sick or injured, bills can start to pile up quickly, and if you don’t have enough in your bank account to pay up front, you can even be denied care. Travel insurance can make sure you get the care you need in an emergency. Medical facilities are limited outside of Nicaragua’s capital of Managua, so look for a policy that covers medical evacuation and repatriation.
  • Cancellations and lost deposits. If your trip is canceled or your flight is delayed, your insurer can reimburse you.
  • Stolen and lost belongings. If your luggage is lost at the airport or your wallet or purse goes missing, your insurer can reimburse you.
  • Activity coverage. Those who thirst for thrills and adventure take note: If you intend to participate in more risky excursions than lying on the beach all day, extra coverage is highly recommended. Here are some high-level adventures to get extra coverage for:
    • Climbing the volcanoes. If you plan to ascend one of Nicaragua’s towering volcanoes for an exciting climb and impressive views or hike one of the many national parks, check how your policy covers hiking injuries and medical evacuation if you’re hurt on the mountain.
    • Adventure activities. Nicaragua offers ziplining, whitewater tours, skydiving, bungee jumping and a range of other thrills that make it a bucket-list destination for adrenaline junkies. Activities that are considered risky by insurers might not be covered on a basic policy, so if you plan to get your heart pumping look for a policy that covers adventure activities.
    • Photographing the country. From bustling nightlife that makes for gorgeous long-exposure shots to lush forests you can catch every detail of with a fast shutter speed, Nicaragua is a photographer’s dream. If you’re bringing expensive camera equipment with you, make sure the limit on your policy is high enough to cover anything that might get lost, stolen or damaged.

    Compare travel insurance for Nicaragua

    Name Product Trip Cancellation Emergency Medical Expenses Baggage Coverage Trip Delay
    Atlas Travel by Tokio Marine
    0%
    $2,000,000
    $1,000
    $100
    Customizable policy that balances basic essentials with premium coverage.
    Atlas Group Insurance by Tokio Marine
    0%
    $2,000,000
    $1,000
    $100
    Customizable policy designed for families, student organizations and groups of five or more people.
    RoamRight Essential Travel Insurance Plan
    100%
    $15,000
    $750
    $500
    Basic policy with coverage that includes trip cancellation insurance, tourist health insurance and baggage insurance.
    RoamRight Multi-Trip Annual Insurance for Trip Cancellation
    100%
    $25,000
    $1,000
    $1,000
    Bare-bones policy designed for those who want trip cancellation coverage and limited medical protection.
    AXA Assistance Silver Plan
    100%
    $25,000
    $750
    $500
    Basic travel protection with lower amounts of coverage. No option to cancel for any reason.
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      What doesn’t travel insurance cover?

      Exclusions vary from policy to policy, but common reasons claims are denied include:

      • Inebriation. If you injure yourself or someone else while drunk or on drugs not prescribed by your doctor, your insurer can refuse to pay out.
      • Failure to take suitable precautions. You are required to take appropriate steps to avoid needing to make a claim in the first place. This can include getting immunizations for diseases known to be found in Nicaragua, following warning signs and keeping your belongings properly secured.
      • Pre-existing conditions. If you get sick due to a pre-existing condition not listed on your policy, your claim can be denied. Discuss any medical conditions with your insurer before purchasing a policy to find out how you’re covered.
      • Traveling to an unsafe area. If you get sick or injured while traveling to an area that the US Department of State recommends avoiding, your claim can be denied. Keep yourself aware of the areas that the US has designated as specifically dangerous.

      How to stay safe in Nicaragua

      As mentioned above, Nicaragua is considered a riskier country for travelers. Caution is always your best first line of defense, but if that doesn’t work, a travel insurance policy can help protect you from any financial downfalls. Risks to watch out for include:

      • Unrest and disputes. Protests have been known to occur with little warning in Nicaragua. There are also boundary disputes in the Caribbean between Nicaragua and Honduras and boats traveling in this area have been known to be detained and impounded. Avoid demonstrations and exercise caution in border regions. If civil unrest in the country increases, consider canceling your trip.
      • Crime. Firearms are common in Nicaragua and are often used in violent crimes and robberies. Avoid traveling alone or at night and don’t discuss travel plans or business affairs with strangers or in public places. Exercise particular caution against in tourist areas and in Managua, Granada and San Juan del Sur. If you’re confronted, give up any belongings willingly — it’s better to file a claim for a stolen wallet than for medical bills from a physical confrontation.
      • Road conditions. Traffic accidents and fatalities are common in Nicaragua due to unpredictable driving practices and poorly lit and maintained roads. If you have to drive, stay alert, drive defensively and try to be off the roads by nightfall.
      • Weather. The hurricane season in Nicaragua is from June to November when flooding, mudslides and essential service disruptions are more likely to occur. Check weather reports before you leave and cancel your trip if a hurricane is predicted.
      • Landmines. Landmines pose a significant threat in the northern border regions of Nicaragua. Note that minefields aren’t always marked, so don’t venture off the main roads in these areas.

        Who do I contact in an emergency?

        In the event of an emergency, contact:

        • Your insurer. Your insurer will have a 24/7 helpline printed clearly on your policy.
        • Police. Dial 118 to reach police.
        • US embassy. If you lose your passport, get into legal trouble or if there’s a countrywide emergency, contact the US embassy.

        Bottom line

        Nicaragua poses some significant risk, but it’s also one of the most beautiful countries in the world — which is probably why so many tourists are willing to accept any risk to experience the Land of Lakes and Volcanoes. Make your trip a little safer by picking up a travel insurance policy to protect you — and your bank account — while you’re there.

        Frequently asked questions

        When is the best time to buy travel insurance?

        Purchase your policy when you buy your plane ticket so that your insurer can reimburse you if your trip gets canceled.

        How can I use my cell in Nicaragua?

        If you have an unlocked phone, the cheapest option is to buy a prepaid SIM card in Nicaragua. If your phone is locked, ask your carrier if they can unlock it. If not, your current plan might allow you to make calls, but roaming charges are high, so unless it’s an emergency your best bet is to stick to Wi-Fi calling and texting apps.

        What are the entry requirements for Nicaragua?

        Nicaragua is part of the Central American Border Control Agreement (CA-4) along with Honduras, Guatemala and El Salvador. This means that if you have a valid entry card for one of these countries you can use it for all.

        US visitors to Nicaragua do not require a visa, but may purchase an entry card on arrival for about $10. This is valid for up to 90 days. You’ll also need a passport that’s valid for at least six more months.

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