Travel Insurance Ecuador

Travel Insurance for Ecuador


Ah, Ecuador; a Latin American adventure just waiting to happen. This nation straddles the Equator and offers visitors all sorts of enthralling pursuits, from surfing the waves of the Pacific Ocean down in uber-cool Montanita to whale watching along the coast to wondering at the kaleidoscope of wildlife on the untouched Galapagos Islands.

If you're tempted to stray this way this year, then be sure to read on. Our guide to travel insurance for Ecuador outlines all you need you know about buying plans for this corner of South America.

  1. What should your Travel insurance cover for a trip to Ecuador? 
  2. How Does Travel Insurance for Ecuador Work?
  3. Do I need Travel Insurance for Ecuador? 
  4. How much does Travel Insurance cost for Ecuador? 
  5. Our Suggested AXA Travel Protection Plan
  6. What types of medical coverage does AXA Travel Protection plans offer?
  7. Are There Any COVID-19 Restrictions for Travelers to Ecuador?
  8. Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to Ecuador?

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. 
AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 


  • Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.  
  • Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events. 
  • Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation. 
  • Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage. 
  • Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 


In just a few seconds, you can get a free quote and purchase the best travel insurance for Ecuador.



How Does Travel Insurance for Ecuador Work?

Picture this: Let's pretend you've planned a once-in-a-lifetime trek along one of the remaining sections of Inca Trail that weave their way through the Ecuadorian Andes (yes, Ecuador has Inca Trails, not just Peru!). Sadly, on your first day's walking, you slip and twist an ankle. With travel insurance, you'll usually be able to get support to find the right medical professionals to help get your body fixed and your travel plans back on track.

Here's are how travelers can benefit from an AXA Travel Protection Plan:


Medical Benefits:

  • Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
  • Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
  • Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 


Pre-Departure Travel Benefits: 

  • Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
  • COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
  • Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 


Post-Departure Travel Benefits

  • Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
  • Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.


Baggage Benefits: 

  • Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
  • Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 


Additional Optional Travel Benefits 

  • Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
  • Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
  • Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
  • Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 


Do I Need Travel Insurance for Ecuador?

That all depends on where in Ecuador you want to go. The Ecuadorian government recently abolished an insurance requirement for mainland Ecuador. However, it's still in place for travelers looking to hop across to the bucket-list Galapagos Islands. That means you will need to be covered if you want to catch glimpses of the iconic giant tortoises and Galapagos penguins. That said, it's generally a good idea to have insurance wherever you head. Why? There are several reasons:

  • Medical Emergencies: No one can plan for sudden illnesses and injuries, which is why medical emergency cover is usually a top priority of travel insurance.

  • Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

  • Flight Delays: It's no secret that flights in and out of Ecuador aren't always on time. The good news is that travel insurance can offer support if you are delayed of if you miss a connection.


How Much Does Travel Insurance Cost for Ecuador?

  • Total Trip cost: The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
  • Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Ecuador will be offered three tiers of insurance: Silver, Gold and Platinum. Each provides varying levels of coverage to cater to individual's preferences and travel needs. 


Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the Silver PlanGold Plan, and Platinum Plan, each offering different levels of coverage to suit individual needs. Given that Argentina hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

For the most add-on coverages of all, be sure to pick our Platinum Plan. That's the option that comes with "Cancel for Any Reason" insurance, so that you can alter your plans without offering a justification and still get up to 75% of your expenses covered. The Platinum also comes with "Rental Car (Collision Damage Waiver)" insurance, so that you have extra protections when driving the winding Andean mountain roads and breathtaking Pacific coast roads of Ecuador.


What Types of Medical Coverage Do AXA Travel Protection Plans Offer?

AXA covers three types of medical expenses:

  • Emergency medical expenses 
  • Emergency evacuation & repatriation 
  • Non-medical emergency evacuation & repatriation 

Emergency Medical: Can cover medical expenses, hospital stays, and even emergency evacuations, covering the expenses of hefty bills and ensuring access to quality healthcare while away from home.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Offers assistance in unexpected situations such as political unrest or natural disasters, ensuring safe and timely relocation to a secure location or repatriation back home. 


Are There Any COVID-19 Restrictions for Travelers to Ecuador?

Visitors to Ecuador and the Galapagos Islands are no longer required to show proof of vaccination or a negative PCR test. In fact, all official COVID restrictions on entry into Ecuador have been lifted as of October 2022. However, travelers may still be asked to fill in a health declaration form, which is usually handed out on the arriving flight, or a transit form, for travel to the Galapagos.


Traveling with pre-existing Medical Conditions? 

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.

Our Gold and Platinum Plans offer coverage for preexisting medical conditions. The Platinum plan is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,


What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation.





1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to Ecuador?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.)

AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.

Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3.Do Americans need travel insurance in Ecuador?

It's not compulsory to have travel insurance to enter Ecuador's mainland, but you do need insurance if you're planning on visiting the Galapagos Islands.

4.What is needed to visit Ecuador from the USA?

Be sure to have a US passport that's got at least six month's validity left on it. Stays of up to 90 days here are visa-free. You might be asked to fill out a health declaration form on your arriving flight and to show proof of travel insurance if you're visiting the Galapagos Islands.

5.What happens if a tourist gets sick in Ecuador?

If you become sick in Ecuador, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.  


Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved. 

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