Photo © Getty Images / John Coletti

Travel insurance when visiting Ecuador

From Old Town Quito to the magnificent Galapagos, Ecuador has plenty to explore. Make sure you're covered.

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Ecuador is rich in culture, with historic cities, spectacular scenery and countless opportunities to get active. Exploring Ecuador's UNESCO historic centers in Quito and Cuenca, kayaking through the Amazon and hiking the Andes are all great ways to experience this country. American travelers often consider the biodiverse Galapagos Islands to be the trip of a lifetime.

Emergencies can affect even the best-planned trip: natural disasters, strikes, unexpected illness and theft are just a few things that can derail your travels. You should consider travel insurance in case you need to recover losses resulting from unforeseeable events.

World Nomads may provide coverage (up to the policy benefit limits) for:

San Rafael (Coca) Falls on Quijos River
San Rafael (Coca) Falls on Quijos River. Photo credit: Getty Images / Kevin Schafer

What should I look out for when traveling to Ecuador?

A travel insurance plan that includes trip cancellation and interruption coverage can help protect your trip investment; baggage coverage can help you recoup some costs in case of bag delay or loss; and emergency medical can help if you get sick or injured while on the road.

World Nomads offers two plans to choose from: a Standard Plan and an Explorer Plan. The Standard Plan includes a range of benefits such as overseas emergency medical, baggage delay, trip cancellation and coverage for more than 150 activities. Our Explorer plan includes everything in the Standard and offers some additional benefits along with higher benefit limits. Travel insurance does not cover everything so be sure to read your policy wording to make sure it meets your needs.

Trip cancellation and trip interruption

World Nomads Travel Insurance may cover trip cancellation due to unforeseen circumstances. If there’s a death in your immediate family, or if you or a close family member becomes sick or injured and a doctor says you can’t travel to Ecuador, travel insurance may reimburse any non-refundable, prepaid trip arrangements.

While you’re on the road, a World Nomads policy can provide important benefits. If you need to cut your trip short due to an emergency back home, your trip interruption benefits may reimburse the costs for your return trip home plus any forfeited prepaid, unused, non-refundable trip expenses up to the limits shown in your policy documents.

For example, if you paid in advance and hired a naturalist for a private tour in the Galapagos, and you have to depart for a covered reason, you may be reimbursed for this non-refundable and unused trip expense.

When filing a claim for either cancellation or interruption, you will need to submit documentation for all non-refundable, prepaid trip costs and associated expenses.

Overseas emergency medical coverage

Your American health insurance is unlikely to be accepted in Ecuador. If you become sick or suffer an accidental injury while traveling in Ecuador without overseas travel coverage, any emergency medical or dental costs (or even worse, emergency evacuation back to the U.S.) will be at your expense. 

Accidents and illness can happen on vacation, from food poisoning to twisting your ankle on the cobblestones in Quito or getting in the way of an angry sea lion on San Cristobal. A travel insurance plan which offers cover for emergency overseas medical expenses may help in unexpected situations.

As an American policyholder, you may have coverage for some COVID-19-related events. For details on coverage available to you, read our What’s Covered for Coronavirus article.

Guayas Province, Guayaquil, Las Penas
Guayas Province, Guayaquil, Las Penas. Photo credit: Getty Images / Westend61

Access to our 24/7 Emergency Assistance Team when you need help

Having a medical emergency while traveling can be scary, but with a World Nomads travel insurance policy, you are not alone. Our 24/7 Emergency Assistance Team can help you find appropriate medical care and offer translation services, liaise with doctors and even arrange upfront payment if required.

Some of the best sites in Ecuador are remote. This is where our Emergency Assistance Team can help arrange emergency evacuation to the closest medical facility or repatriation back to the U.S. when medically necessary.

Delayed, lost, or stolen baggage

If you’re checking a bag, there’s always a chance it could take a detour en route to Ecuador. For example, if your itinerary is Chicago to Miami to Quito, and your bag is lost or delayed, your baggage delay benefits may apply.

Reimbursement may be available for personal effects if your checked baggage is delayed or misdirected by an airline carrier for more than 12 hours. Refer to your policy for complete details.

Lost or stolen baggage and belongings may also be covered, for example, a phone swiped from your bag in a crowded Quito market, or a bag permanently lost by an airline (with travel insurance cover being secondary to airline reimbursement).

To keep your belongings safe, use a concealed money belt or cross-body bag to hold your travel documents, valuables and money. It’s also a good idea to be mindful of your surroundings, especially in busy tourist areas.

If your bags or belongings are damaged or stolen, file an incident report with local authorities or your airline immediately. Where theft has occurred, this must be reported to the police. You’ll need this documentation and any relevant receipts when you make a claim.

Quito from above
Quito from above. Photo credit: Getty Images / John Coletti

Coverage for 150+ activities and sports when in Ecuador

Ecuador boasts no shortage of opportunities to get active, from mountain biking the legendary Mama Rumi trail to rafting on the Quijos River. Surfing, snorkeling and hiking are just a few of the activities on offer in the Galapagos. World Nomads offers travel insurance coverage for more than 150 adventure activities and sports.  Read your policy documents carefully to ensure your chosen activities are covered.

What’s not covered

Travel insurance isn’t designed to cover everything – so make sure you know what you’re covered for. Some things we don’t cover include but are not limited to:

  • Losses caused by negligent policyholder behavior, so no selfies in roped off areas or riding a scooter without a helmet.
  • Pre-existing medical conditions as explained in your policy wording.
  • Not following orders of your treating physician or Emergency Assistance Team.
  • Participation in activities or sports not listed in the plan you have purchased.
  • Stolen, lost or damaged personal belongings that were left unattended.

This is a summary of coverage only. Travel insurance has terms, conditions, limits and exclusions. Read your chosen policy carefully, and please reach out if you have any questions about what’s covered and what’s not. We’re happy to help.

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Explorer Plan: $100,000
  • Standard Plan: $100,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation

We'll provide assistance to get you to the hospital or home quickly.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
Emergency Evacuation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Passport stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Wherever you are, we’re here 24/7 to help you in any emergency.

Are you in need of emergency assistance right now?

Contact Generali Global Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

Contact the team

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

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