Some countries require visitors to buy travel or medical insurance. These requirements change frequently, so it’s best to check with your tour operator or the country’s Ministry of Tourism to determine the current status.
But whether or not an insurance requirement is in place, it’s still a very good idea to purchase travel insurance for your trip. Here’s why:
Your personal health insurance may not cover you overseas. Travel insurance can help cover your emergency medical expenses if you become seriously ill or are injured during your trip.
Travel insurance plans offered through the local government usually have very limited medical coverage and may have no coverage at all for other circumstances such as trip cancellation, trip interruption, lost bags, or damaged gear. So even if you are purchasing (or required to purchase) a local plan, additional coverage through a company like World Nomads will help protect all aspects of your trip.
This situation has been constantly changing and according to this government web page, the health insurance requirement is currently under review. We suggest checking with the Ecuador Ministry of Tourism before you travel to determine the latest status of this requirement.
Thailand is in the process of reviewing legislation that would require travelers to pay for compulsory travel insurance at the airport. The coverage does not include emergency medical, however, so you should buy additional insurance to be covered for injuries and illnesses.