Insurance

Travel insurance for Guatemala: Which one should you choose?

If you're looking for the best travel insurance for Guatemala, here we tell you which one suits you best and its prices.

Don’t know which travel insurance to buy for your trip to Guatemala? Well, here’s a guide where we help you choose well and keep your trip protected from the very first moment.

We explain the importance of travel insurance, what it should cover, and we even compare several so you see each offer. Moreover, we picked the 5 best policies for your trip. So stay and read to the end to discover which one suits your trip to Guatemala.

In this article

Why Buy Travel Insurance For Guatemala?

In Guatemala, you may face different setbacks that become easier to handle with travel insurance, as it takes care of almost everything you need to overcome them. For example:

If you rush to a hospital, your insurer covers the costs. This applies to minor issues and hospital stays.

Without insurance, you cover the costs for illness or accident, from $2 (€1.84) to $10 (€9.20) per day, up to $300 (€276) in private hospitals. Whatever the cost, you may not budget for it, so compare what works best.

Also, keep in mind that if you rent a car in Guatemala, the agency may request insurance that covers your own accidents or third parties, plus vehicle damage and legal expenses that may arise.

Another reason to invest in travel insurance for Guatemala: During travel or adventures in the country, you can lose documents or luggage. That brings stress and extra costs for clothes, shoes, and essentials to continue your trip.

What Should Travel Insurance For Guatemala Cover?

Here you’ll find the key factors your travel insurance for Guatemala should cover. Many situations send travellers to doctors, such as: food poisoning or allergies, hiking falls or injuries, and more.

Loss Of Documents: Losing your passport, ID, or any required travel document is a risk from home to airport. Therefore, a policy can manage replacement procedures or provide funds to cover those costs.
If You Fall Ill Or Have An Accident: Insurance becomes your ally in Guatemala. It covers medical expenses and arranges medical repatriation if recovery takes time.
Lost Luggage: If your luggage goes missing, your insurer reacts fast and provides funds to replace planned items and clothing.
Legal Support: If you face a legal incident in Guatemala, your insurer assigns a lawyer to represent you.
If You Injure Someone: Besides legal support, the policy covers third-party medical expenses caused by you.
If You Drive In Guatemala: You should hold roadside protection in case of breakdowns or incidents.

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Comparison Of The Best Travel Insurance For Guatemala

The following are approximate values and may change with promotions or plan updates from each insurer. Please check exact amounts on the official websites at purchase time for real-time data.

These reflect basic coverage levels that insurers offer. However, you can ask each company about extra or specific benefits.

Features	Protect Your Trip	Ergo	Assist Card	Go Assistance	Mundo Joven
Price for 7 days in USD	$56.76 (€52.70)	$75.02 (€69.60)	$97.00 (€90.10)	$36.00 (€33.40)	$66.06 (€61.30)
Medical expenses	$50,000 (€46,000)	$70,000 (€65,100)	$300,000 (€278,700)	$50,000 (€46,000)	$100,000 (€92,000)
Medical repatriation	Yes	Unlimited	$150,000 (€138,000)	$40,000 (€37,200)	Included
Lost or stolen luggage	$2,000 (€1,840)	$600 (€558)	$1,000 (€920)	$600 (€558)	$1,200 (€1,104)
24/7 emergency support	Yes	Yes	Yes	Yes	Yes
Medication	$2,500 (€2,315)	Included	$2,500 (€2,315)	$350 (€325)	No limit

The 5 Best Travel Insurance Options For Guatemala

Now, let’s see why these policies rank as the top 5 for your next trip to Guatemala. We’ll review strengths and weaknesses so you choose the one that fits your needs.

Remember: Insurance isn’t an extra cost. It’s an investment that helps in difficult moments during your adventure in Guatemala. So don’t cut corners if you need stronger cover. Let’s begin:

1. Protect Your Trip

This insurer holds a 4.8 out of 5 rating thanks to fair prices and solid benefits for travellers. Protege Tu Viaje offers basic, mid-tier, and two premium plans that add eSIM.

All plans include medical cover, repatriation, medicine funds, and lost luggage compensation. However, coverage amounts and some limits vary by plan. Here are examples:

Small: $32.44 (€29.84) for 7 days, with $10,000 medical cover.
Basic: $45.97 (€42.29) for 7 days, with $30,000 medical cover.
Complete +eSIM: $56.76 (€52.22) for 7 days, with $50,000 medical cover
Super +eSIM: $85.56 (€78.72) for 7 days, with $100,000 cover.

Strength	Weakness
Free cover for pregnant travellers up to 32 weeks across all plans.	They rely on different partner insurers to deliver cover.
Affordable prices	Not all plans include flight delay cover, which needs an add-on or higher plan.
Easy purchase process for travellers.	Budget plans may respond slower for immediate assistance.

2. ERGO Travel Insurance

ERGO holds a 9.3/10 rating, which speaks well of its service. It’s one of the most experienced insurers in Europe and offers great benefits for travellers, although its prices aren’t the lowest compared with others mentioned.

These are the plans:

Travel Star: $56 (€51.52) for 7 days. It includes essential cover for luggage and medical assistance, but not cancellation.
Safe Traveller: $75.02 (€69.02) for 7 days, with mid-level basic cover plus cancellation.
Select: $88.54 (€82.10) for 7 days — the premium plan that provides stronger guarantees for travellers.

Strength	Weakness
It offers unlimited medical coverage without requiring any upfront payment.	Higher costs than competitors.
Higher prices compared with similar insurers. Flexible cover options that adapt to travellers.	No cover for travellers over 70 unless you pay a high differential fee.
Positive user reviews due to fast, helpful assistance.	You must pay extra for adventure sports cover.

The 5 best travel insurance options for Guatemala. Source: Shutterstock.com

3. Assist Card

This brand ranks among the best known and offers broad worldwide cover. Moreover, many positive reviews strengthen trust in its services.

Assist Card plans vary and benefits increase with price:

Multiple Trips: €243.80 ($265) for 1 year with premium cover for frequent travellers, plus an eSIM.
Privileged: €92.00 ($100) for 7 days, including outpatient medicines.
Premium: €78.20 ($85) for 7 days, including medical repatriation, preexisting condition assistance, and dental emergencies.
Classic: €66.24 ($72) for 7 days, with basic cover plus preexisting condition assistance.
Million: $265 (€243.80) for 1 year with premium cover for frequent travellers, plus an eSIM. Medical assistance reaches $1,000,000 (€926,000).
Infinity: This is a premium plan costing $182 (€169) for 7 days. It provides medical assistance of up to $3,000,000 (€2,778,000).

Strength	Weakness
They deliver fast and effective medical assistance.	Refund clarity feels limited.
Processes can take time or feel complex.	They offer a wide variety of covers.
Customer service earns mid to low ratings. Plan prices feel reasonable for the assistance quality.	Some covers take time or face denials.

4. Go Assistance

This insurer offers very competitive prices for the services they provide. Moreover, they run frequent promotions on plans with higher benefits. Their plans vary and fit most budgets well. These are the plans:

GO 365 ECO: $23.94 (€22.03) for 7 days. Unlike others, it excludes pet assistance.
GO 365: $29.74 (€27.36) for 7 days. It also excludes pet assistance.
GO Adventure: $36.27 (€33.36) for 7 days, with private security, pet assistance, shopping advice, and more.
GO Smart: $42.80 (€39.38) for 7 days. It excludes event refund cover and airline insolvency repatriation.
GO Nomads: $44.01 (€40.49) for 7 days. It targets remote workers and frequent travellers.
GO Priority: $66.74 (€62.10) for 7 days — this plan is the most complete for any traveller, offering high medical coverage along with other premium benefits.

Strength	Weakness
Prices and plans for many traveller profiles.	Budget plans include lower medical limits, which may not suit some destinations.
Efficient WhatsApp support for assistance.	Some users report delays when activating certain covers.
They pay emergencies directly.	Communication feels unclear during purchase.

5. Mundo Joven

This insurer offers very complete cover with competitive costs against others in this top five. The best approach: Choose the plan that matches your trip, not just the cheapest.

Budget: $38.24 (€35.18) for 7 days. It is the cheapest plan with basic cover and $50,000 (€46,000) medical assistance.
Super: $28.44 (€26.16) for 7 days, covering medical expenses up to $100,000 (€92,000).
Elite: $113.14 (€105) for 7 days of assistance. Medical expenses are covered up to $1,000,000 (€926,000).

Strength	Weakness
Adaptable plans for different traveller profiles.	Refunds usually take time.
Good feedback on medical assistance and stolen luggage.	High costs for in-person purchases. Users suggest buying online.
Efficient and easy customer service.	They act as an intermediary, so partners must deliver the cover.

Which Travel Insurance Works Best For Guatemala?

Based on value for money and user comments, the best option for Guatemala is Go Assistance. It offers strong medical limits for Central America, where healthcare costs feel moderate.

Their support, despite some issues, works efficiently most times with a 4.6/5 user rating. Refunds can take time, yet feedback remains mostly positive.

Finally, their plans suit many types of travellers. That makes it a strong choice for your trip to Guatemala. If you want to know more about this destination, rea d Guatemala’s cost of living here.

Connectivity While Travelling To Guatemala

At Holafly you’ll find monthly subscriptions from 25 GB to unlimited data, with coverage in 170+ countries. Moreover, you can use your phone as a hotspot for your laptop or tablet.

If your trip lasts under one month, we recommend the Holafly Guatemala eSIM. You get unlimited data without roaming costs, for only the days you need. Install it before travelling and, upon arrival, turn on data and start browsing.