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Travel insurance for Ecuador: Which is the best to choose?
Analysis and Comparison of Five Travel Insurance Options for Ecuador: We Evaluate Plans, Coverage, and Value for Money.
Are you planning to travel to Ecuador and want to make sure nothing ruins your experience? This article is for you. Whether you’re planning to explore the Galápagos Islands, get lost in Otavalo’s markets, or climb Cotopaxi volcano, having a good travel insurance for Ecuador is a smart decision and, in many cases, necessary.
An accident, an unexpected illness, or lost luggage can complicate any adventure. To prevent that, we bring you a guide to the five most recommended travel insurances for Ecuador in 2025. By the end of this article, you’ll have enough information to choose the plan that best fits your travel style.
Ready to discover which is the best travel insurance for your upcoming trip to Ecuador? Let’s get started!
Why should I get travel insurance for Ecuador?
Travelling to Ecuador without insurance can be expensive. Although it’s not mandatory to enter the country, having travel insurance with medical coverage is key to avoiding unexpected expenses and receiving quality care if something goes wrong. A slip on a jungle hike, food poisoning, or lost luggage can ruin your trip and affect your wallet.
To give you an idea, a private medical consultation in Quito can cost between €45 ($50) and €90 ($100), and a one-day hospital stay could exceed €900 ($1,000). Not to mention the cost of air evacuation from Galápagos or the Amazon, which can exceed €9,000 ($10,000) without insurance.
In addition to medical expenses, a good insurance also protects you against theft, flight cancellations, loss of documents or luggage, and even provides legal assistance in case of emergency. In a country as geographically diverse as Ecuador, where it’s possible to go from the beach to the mountains in a single day, it’s essential to be covered for any eventuality.
Finally, the most important reason you should get travel insurance for Ecuador boils down to one word: Peace of mind. Travelling often involves a significant financial effort. And once you’re on the plane, all you want is to enjoy yourself. Sometimes accidents or complications can’t be predicted. But travelling with insurance is a step you can take in advance, knowing that, in case of any emergency or inconvenience, you’ll be covered.
What coverage should travel insurance for Ecuador include?
Ecuador is a diverse country full of adventures, but it also presents certain risks that make comprehensive coverage indispensable. Whether you’re exploring the Andean cities, trekking the Amazon, or diving in the Galápagos Islands, these are the essential coverages your insurance should include:
- Medical care and hospitalisation: Essential for covering consultations, tests, medications, or hospital stays in case of illness or accident. Ideally, the medical coverage limit should exceed €45,000 ($50,000).
- Medical and funeral repatriation: Nobody wants to think about this, but it’s important that the insurance you choose covers early return due to medical reasons or the transfer of the body in case of death. This can cost more than €13,500 ($15,000) without coverage.
- Coverage for outdoor sports and activities: If you’re planning to hike Quilotoa, do canopy in Baños, or dive in Galápagos, make sure the plan includes accidents in “adventure” activities.
- Loss or theft of luggage: Losing or having luggage stolen is a common setback during travels. Therefore, it’s ideal to opt for a policy that protects your personal belongings, electronics, and clothing, in case the airline loses your bag or you’re robbed during the trip.
- Flight delays or cancellations: In case of missed connections or cancellations, the insurance should offer compensation to cover hotels, meals, or new tickets.
- Liability: If you cause damage to third parties, both material or personal, this coverage can help you handle legal claims.
- 24/7 assistance in Spanish: Key for resolving any emergency without language barriers, no matter where you are in the country.
Getting an insurance with these coverages will give you peace of mind and allow you to enjoy Ecuador with total confidence, knowing that, no matter what happens, you’ll be backed up.
Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍
What are the five best travel insurances for Ecuador? Comparison
You now know the reasons why you should get travel insurance for Ecuador and the type of coverage to aim for. Now comes the tricky part: Choosing the insurer that best fits the type of trip you have in mind. Because it’s not the same to travel solo to Ecuador, as it is with your family. It’s also different if you’re going for a few months to work remotely and travel around the country, than taking a 15-day holiday.
To help you with the choice, we’ve put together a comparative table with five travel insurance options for Ecuador, so you can get a broad overview of what each one offers. Later, we’ll evaluate the pros and cons of each, as well as other factors that’ll help you make your choice.
| Coverage / Insurance | Assist Card | Travel Guard Deluxe Plan | World Nomads Explorer Plan | IMG – iTravelInsured Choice | SafetyWing Nomad Insurance (Essential) |
|---|---|---|---|---|---|
| Emergency medical coverage | Yes, no deductible. Up to $100.000 (€368.000) | Yes, full. Up to $100.000 (€368.000) | Up to €135,000 ($150,000), with the “Epic” plan offering up to €225,000 ($250,000) | Yes, up to €90,000 ($100,000) | Yes, up to €90,000 ($250,000) |
| Medical evacuation / repatriation | Yes, global assistance 24/7 | Included | Included | Evacuation up to €450,000 ($500,000) | Included (up to €90,000 ($100,000)) |
| Adventure activities / sports | Depends on plan; not always extreme | With “Adventure Bundle” | +150 activities, includes extreme sports | Not specified | Add-on available for sports |
| Trip cancellation/interruption | Yes, covers cancellation and delays | Included (Deluxe Plan) | Included (check conditions) | Included (depending on policy) | Included (up to €4,500 ($5,000)) |
| Loss or delay of luggage | Yes, covers lost/delayed luggage | Yes, includes coverage | Yes, with limits depending on plan | Yes, depending on policy | Up to €2,700 ($3,000) (limit), €450 ($500) per item |
| 24/7 assistance, Spanish support | Yes, global assistance | Yes, continuous service | Emergency team 24/7 | Assistance included (language variable) | Global 24/7 support |
Comparison of the best travel insurances for Ecuador
What does each of these travel insurances for Ecuador offer? Detailed analysis
As promised, here is a comprehensive and detailed analysis of each of these five travel insurances for Ecuador.
1- Assist Card: International coverage focused on Latin America
Assist Card is one of the most well-known travel insurance companies in Latin America. With a presence in over 190 countries and a strong infrastructure in the region, it has positioned itself as one of the most reliable options for those looking to travel insured, especially in destinations like Ecuador. Their service stands out for offering Spanish-speaking support, high medical coverage, and a highly-rated app to manage emergencies and paperwork.
Assist Card plans for travelling to Ecuador
Assist Card offers various plans, all customisable according to the type of trip and duration. The most relevant for Ecuador are:
- AC 150: Medical coverage up to €135,000 ($150,000), ideal for average travellers or tourists who won’t engage in risky activities.
- AC 250: Extended coverage up to €225,000 ($250,000), with repatriation, medications, and legal assistance included.
- AC 1,000 (top): Premium plan with coverage up to €900,000 ($1,000,000), recommended for those seeking maximum protection or with pre-existing medical conditions.
All plans include:
- Medical and hospital care
- Emergency dental care
- COVID-19 coverage
- Medical and funeral repatriation
- Luggage location
- Legal assistance in case of accidents
You can also add extra coverage for adventure sports, pre-existing conditions, and pregnancy (with a gestational limit).
Advantages and disadvantages of Assist Card
| Pros | Areas for improvement |
| High medical coverage on all plans. 24/7 customer service in Spanish and fast response in Latin America. Intuitive mobile app to request assistance from anywhere. Options that include coverage for pre-existing conditions. Ability to purchase, extend, or modify the insurance online in just a few steps. | Some specific coverages (such as extreme sports or pre-existing conditions) are only available as paid add-ons. The price may be higher compared to other insurers if you don’t need extensive coverage. The fine print of the plans may vary depending on the country of purchase. |
Advantages and disadvantages of Assist Card plans for Ecuador
Which traveller profile is Assist Card suitable for?
- Traditional or family travellers who want complete support without complications.
- People over 60 or with pre-existing medical conditions, as it offers tailored options.
- Tourists travelling within Latin America, where Assist Card has more operational presence and agreements with private clinics.
Why do we recommend Assist Card for Ecuador?
Because it is one of the few insurers with strong regional support in Ecuador and the rest of South America. This translates to greater availability of associated medical centres and better local response times, which can make all the difference in a real emergency.
2- Travel Guard: US coverage with global support
Travel Guard, by AIG, is an insurer with a long track record in the North American market. Its Deluxe plan is one of the most comprehensive and versatile in the catalogue, designed for travellers who want to feel protected against almost any unforeseen event, both medical and logistical. Although it is a US-based company, it provides coverage worldwide, including destinations like Ecuador.
Travel Guard plans for Ecuador
For Ecuador trips, Travel Guard recommends its Deluxe plan, which includes:
- Emergency medical coverage up to €90,000 ($100,000)
- Medical evacuation up to €900,000 ($1,000,000)
- Funeral Repatriation
- Trip cancellation or interruption for valid reasons
- Coverage for lost, stolen, or delayed luggage
- Civil liability
- 24/7 support in several languages
Additionally, you can add the Adventure Sports Bundle, an add-on that covers activities like rafting, diving, trekking, or canopy, all very popular in Ecuador.
Advantages and disadvantages of Travel Guard Deluxe
| Pros | Areas for improvement |
| Very comprehensive and balanced coverage, even without add-ons. High coverage amount for medical evacuation, ideal if you’re heading to remote areas. Excellent reputation for reimbursement management and customer service. Compatible with citizens from multiple countries, not just the US. Option to add adventure sports coverage. | 24/7 customer service in Spanish is not always guaranteed (it may be in English). Requires careful reading of the policy conditions: Some benefits have sub-limits. Lower operational reach in Latin American clinics compared to companies like Assist Card. |
Advantages and disadvantages of Travel Guard for Ecuador
Which traveller profile is Travel Guard Deluxe ideal for?
- International travellers or medium to long-term stays who seek a complete and structured package.
- Digital nomads or temporary expatriates who prefer support in English and more digitalised processes.
- Tourists visiting remote areas (such as the Amazon or Galápagos), as it offers one of the highest evacuation coverage limits on the market.
Why we recommend Travel Guard for Ecuador?
For its medical evacuation limit (€900,000 ($1,000,000)), which is one of the strongest points of the Deluxe plan. This makes it an excellent option for those venturing into areas with limited medical access, where air evacuation can be vital and extremely costly.
3- World Nomads: The favourite of active travellers
World Nomads is an insurer designed by and for independent travellers, backpackers, digital nomads, and adventure lovers. Its Explorer Plan is ideal if you’re heading to Ecuador to do mountain trekking, diving in the Galápagos, or cycling in rural areas. Additionally, it’s one of the few insurances that already includes an extensive list of adventure sports without the need to pay extra fees.
World Nomads Plans for Ecuador
For travelling to Ecuador, World Nomads offers two main options:
- Standard Plan: Emergency medical coverage up to €90,000 ($100,000), basic cancellations, and luggage protection.
- Explorer Plan: Emergency medical coverage up to €135,000 ($150,000), more comprehensive cancellation reimbursements, and more than 150 adventure activities included at no extra cost.
Both plans include:
- Emergency medical coverage
- Medical and funeral repatriation
- Medical evacuation
- Legal assistance
- Civil liability
- Loss, theft, and delay of luggage
- Trip cancellation and interruption
You can even purchase it while already travelling, which makes it very popular among spontaneous travellers.
Advantages and disadvantages of World Nomads for Ecuador
| Pros | Areas for improvement |
| Comprehensive medical coverage (up to $150,000 (€129,600)). More than 150 adventure activities included (from snorkelling to rappelling or high‑altitude hiking). Available for citizens of many countries. Can be purchased from abroad or during the trip. Streamlined digital process with a modern and clear interface. | Does not offer personalised assistance in Spanish (most support is in English). Not the most suitable if you’re looking for very high medical coverage without risky activities. Customer service may be slower than traditional insurers if you have a complex claim. |
Advantages and disadvantages of World Nomads for Ecuador
Which traveller profile is World Nomads Explorer Plan ideal for?
- Young travellers, backpackers, and digital nomads planning an active experience in Ecuador.
- Adventure lovers, as it includes many activities at no extra cost that other policies charge for.
- People who decide to travel without a fixed plan or are already abroad.
Why do we recommend World Nomads for Ecuador?
For its focus on the independent and adventurous traveller, which translates into clear language, specific coverage for risk activities, and the ability to purchase it at any point during the trip. If you’re looking for freedom and flexibility, it’s an option that’s hard to beat.
4- IMG: A robust and flexible travel insurance plan for demanding travellers
IMG (International Medical Group) is an international insurer specialised in long-term travels, expatriates, and students abroad. Its plan iTravelInsured Choice combines high medical coverage with extended benefits for cancellations, emergencies, and evacuations, making it an excellent option for those seeking solid and customisable protection during their stay in Ecuador.
iTravelInsured Choice Plan for Ecuador
This plan is designed to offer balanced and comprehensive coverage for international travellers. Its main benefits include:
- Emergency medical coverage up to €90,000 ($100,000)
- Emergency medical evacuation up to €450,000 ($500,000)
- Medical and funeral repatriation
- Trip cancellation and interruption coverage
- Loss, delay, or theft of luggage expenses
- 24/7 global assistance
- Coverage for standard recreational activities
Additionally, it allows you to include optional upgrades depending on the type of trip, such as increased medical coverage, protection for pre-existing conditions, or adventure sports (though these require approval).
Advantages and disadvantages of IMG for Ecuador
| Pros | Areas for improvement |
| Excellent medical coverage for emergencies and air evacuation. Flexibility in contracting and expanding benefits. Strong focus on medical safety for travellers to remote areas. Well-structured reimbursement process. Compatible with multiple traveller profiles, including families and seniors. | Does not include adventure sports unless purchased as an extra. Customer service may not be available in Spanish. Some benefits have sub-limits that should be carefully reviewed. |
Advantages and disadvantages of IMG for Ecuador
Which traveller profile is IMG iTravelInsured Choice plan ideal for?
- Cautious travellers or those with specific health conditions who want extensive medical and evacuation coverage.
- People travelling to rural or remote areas in Ecuador, where costly evacuation may be necessary in case of emergency.
- Seniors, families, or exchange students who want solid coverage without relying on unnecessary add-ons.
Why do we recommend IMG for Ecuador?
For its high air evacuation limit (€450,000 ($500,000)), making it an especially powerful option if you’re visiting Galápagos, the Ecuadorian Amazon, or remote mountainous areas, where healthcare transfers are complex and expensive.
5- SafetyWing: Travel insurance for Ecuador designed for digital nomads and frequent travellers
SafetyWing is an innovative insurer designed specifically for digital nomads, freelancers, remote workers, and people who live travelling. Its product Nomad Insurance offers a monthly subscription system, robust medical coverage, continuous global protection, and excellent value for money. It is ideal if you plan to stay in Ecuador for an extended period, move around other nearby countries, or simply need flexibility.
Nomad Insurance Plan for Ecuador
The standard plan includes:
- Emergency medical coverage up to €90,000 ($250,000)
- Medical evacuation and repatriation up to €90,000 ($100,000)
- COVID-19 coverage included at no extra cost
- Expenses for hospitalisation, surgery, medications, intensive care
- Assistance for political evacuation
- Trip cancellation or delay coverage
- Loss or theft of luggage (up to €2,700 ($3,000), with a maximum of €450 ($500) per item)
- Liability coverage (up to €22,500 ($25,000))
- 24/7 global assistance in English
- Coverage in 180 countries (without changing the policy)
Additionally, it offers an optional add-on for adventure sports and maternity coverage.
Advantages and disadvantages of SafetyWing’s Nomad Insurance plan for Ecuador
| Pros | Areas for improvement |
| Flexible subscription-based contract with a monthly payment model. High medical coverage for its price. Allows you to travel to multiple countries with a single policy. Option to purchase even if you’re already abroad. Extended coverage without the need to reconfigure the policy for each destination. | Does not include extreme sports unless you pay an additional fee. Customer service is in English (though efficient). Not ideal for short trips: It’s better suited for longer stays. |
Advantages and disadvantages of SafetyWing’s Nomad Insurance for Ecuador
Which traveller profile is the Nomad Insurance plan ideal for in Ecuador?
- Digital nomads and frequent travellers visiting Ecuador as part of a larger route.
- Remote workers or freelancers who need continuous global medical protection.
- Travellers with long or indefinite stays, such as students, temporary expatriates, or couples on a trip.
Why do we recommend this travel insurance for Ecuador?
For its 100% digital approach and subscription model, allowing continuous coverage without worrying about start or end dates. It is the most comfortable and versatile option if you live travelling, with one of the most competitive coverage-to-price ratios in the international market.
Which of the five is the best travel insurance for Ecuador?
Choosing the best travel insurance for Ecuador depends, as always, on the kind of experience you’re planning to have. However, if we consider medical coverage, protection against unforeseen events, ease of purchase, and price, there is one option that stands out above the rest: World Nomads Explorer Plan.
With medical coverage of up to €135,000 ($150,000), protection for over 150 adventure activities, the ability to purchase it while abroad, and a total focus on independent travellers, World Nomads Explorer Plan offers the most solid balance between price, scope, and flexibility. It’s ideal for both traditional tourists and adventurers who plan to explore Ecuador in depth.
For those travelling for an indefinite time or across multiple countries in the region, SafetyWing is an excellent option. Its monthly subscription system, medical coverage of €225,000 ($250,000), and focus on digital nomads make it a highly competitive alternative in terms of value for money.
In summary, if you’re looking for a travel insurance for Ecuador that combines good medical coverage, protection against real risks, and flexibility, World Nomads Explorer Plan is the most complete option for most travellers. And if your journey extends beyond Ecuador or you want something that follows you uninterrupted, SafetyWing could be your best ally.
Connectivity while travelling in Ecuador
Besides travel insurance for Ecuador, there’s another issue you should sort out before boarding the plane: How you’ll have internet during your time abroad. Whether it’s for checking directions, contacting your insurance, or sharing your adventures on social media, having a stable connection is essential in Ecuador, especially if you’re moving between cities or exploring less urbanized areas.
In that regard, Holafly is one of the best options on the market. It offers eSIMs with unlimited data that allow you to stay connected as soon as you land, without needing to change your physical SIM or look for WiFi. Additionally, you can choose between two options depending on the duration and style of your trip:Travel insurance for Ecuador, which one to choose?
- For short stays or getaways, you can opt for a eSIM for Ecuador by the day, with local coverage and immediate activation.
- If you’re planning to travel across multiple countries in the region or stay for a longer period, you should consider one of Holafly’s monthly plans, with unlimited internet and multi-destination use (in over 170 countries worldwide).
Both products are designed so you don’t waste time setting anything up: Just scan the QR code and you’re good to go, internet included. This way, you can enjoy your trip to Ecuador knowing you’re always connected, even at the most crucial moments.
Frequently Asked Questions about Travel Insurance for Ecuador
No, it’s not mandatory to present travel insurance to enter as a tourist. However, it is recommended, especially if you plan to engage in outdoor activities, visit rural areas, or simply want to avoid unexpected health expenses.
It’s ideal to purchase a policy with at least €90,000 ($100,000) in medical coverage, especially if you plan to visit remote places like Galápagos or the Amazon. It’s also important that it includes medical evacuation, as healthcare transfers can cost thousands of dollars.
If you have a policy with medical evacuation included, accessing a helicopter or air ambulance transfer to a suitable hospital will be much easier. This is crucial if you’re in areas like the jungle or high altitudes, where medical attention might not be easily available.
The most comprehensive in this regard is World Nomads, as their Explorer plan covers over 150 outdoor activities without needing to buy add-ons. You can also consider Travel Guard or SafetyWing, but make sure to add the extra coverage for extreme sports if your trip requires it.
Yes, insurers like World Nomads and SafetyWing allow you to purchase insurance even if you’re already travelling. This is useful if you forgot to buy it beforehand or if you decide to extend your stay and need continued coverage.
