Travel Insurance for Ecuador
Coverage for visitors to Ecuador and residents traveling internationally. Medical emergencies, evacuation, trip cancellation, and more.
Who Needs Travel Insurance
Three Scenarios
Visiting Ecuador
Tourists and short-term visitors who need medical coverage while in Ecuador. Ecuador doesn't require travel insurance for entry, but it's strongly recommended.
Expats Traveling Out
Ecuador residents traveling internationally who need coverage outside the IESS network. IESS and local insurance don't cover you abroad.
Digital Nomads
Remote workers using Ecuador as a base who need flexible, month-to-month coverage across multiple countries.
Compare Providers
Top Travel Insurance Providers
SafetyWing Nomad Insurance
Pros
- Cheapest option — from $45/month
- Month-to-month, cancel anytime
- Covers 185+ countries
- Simple online signup
Cons
- Low coverage limit ($250K)
- Travel medical only — not full health insurance
- May not satisfy visa requirements
IMG Global Medical
Pros
- Flexible plan options for different budgets
- Higher coverage limits
- Medical evacuation included
- Dental and vision riders available
Cons
- Reimbursement model — you pay first
- Pre-existing conditions excluded 12 months
- Higher cost than SafetyWing
World Nomads
Pros
- Covers adventure activities (surfing, hiking, etc.)
- Trip cancellation and interruption included
- Gear and electronics coverage
- Good for active travelers
Cons
- More expensive than SafetyWing
- Maximum trip length limits
- Claims process can be slow
Medical Evacuation: Why It Matters in Ecuador
If you're in rural Ecuador — the Amazon, highlands, or Galápagos — and have a serious medical emergency, evacuation to Quito or Guayaquil (or even to the US) can cost $20,000–$100,000+ out of pocket. Most travel medical plans include evacuation coverage at no extra cost.
Staying long-term? You need full health insurance
Travel insurance is great for short stays. If you're living in Ecuador, compare full health insurance plans.
Compare Health Insurance