Known for its historic architecture and scenic landscapes and rainforests, Ecuador has become an increasingly popular tourist destination for travelers from all over the world. This is highlighted by the country’s most popular tourist attraction, the Galapagos Islands, known for its clear waters and snorkeling excursions.
Over the past year, 6% more travelers visited Ecuador than the previous year, according to data from travel insurance comparison site, Squaremouth. As Ecuador has steadily grown in popularity, trips have become more affordable, with the average cost decreasing by 10% in the past year to $5,158.
A new law in Ecuador requires all residents – permanent or temporary – to have health insurance. This means that travelers who are planning to visit the country must have coverage by their primary medical insurance, or they must be a travel insurance policy with medical coverage.
How much medical coverage do I need?
While it is required to have some form of health insurance is required for travelers from foreign countries to visit Ecuador, there is not a specific required amount. The only requirement is that the coverage must last for the entire duration of their trip.
For international travel, Squaremouth recommends travelers visiting Ecuador buy a travel insurance policy with at least $50,000 in Emergency Medical coverage, and at least $100,000 in Medical Evacuation coverage. This coverage is reimbursement-based, meaning the traveler is typically required to pay their medical expenses upfront and require for reimbursement when they return home.
The Emergency Medical benefit of travel insurance can reimburse travelers for the costs of medical treatment in the event of an illness or injury during their trip. This includes physician services, ambulance expenses, and other costs of treatment.
The Medical Evacuation benefit can transport a traveler to the nearest adequate hospital in the event of a medical emergency. If the treating physician determines the traveler should return home for better treatment, this benefit can also cover those costs.
Do I need other travel insurance benefits?
Medical travel insurance is the only coverage required in order for a traveler to enter Ecuador, however, most travel insurance policies are comprehensive and include a variety of other benefits, without increasing the cost of a policy. This includes coverage for travel delays and lost or delayed luggage.
Travelers visiting Ecuador also have the option to insure their trip costs under the Trip Cancellation benefit. This benefit can reimburse all of their prepaid and non-refundable trip payments if they need to cancel due to an illness or injury, inclement weather, or terrorist incident, among other events.
Click here for a comprehensive list of countries that require travel insurance.