Travel Insurance for Ecuador
Last updated on 09/19/2023
Do I Need Travel Insurance for Ecuador?
As of April 19, 2022, Ecuador does not require foreign visitors to have travel insurance to enter the country. However, to meet Ecuador's entry requirements, all travelers above 3 years old must show proof of either:
- Full COVID-19 vaccination completed least 14 days prior to arrival in Ecuador
- A negative PCR test taken within 72 hours of arrival to Ecuador and an official traveler health declaration
Most travelers choose to be covered by travel insurance for added security during a trip abroad. Travel insurance for Ecuador can assist in various travel- and health-related situations such as emergency healthcare, emergency evacuation, travel delays, and more. Seasoned travelers know that anything is possible, and it's best to be prepared before something happens and help becomes necessary.
For example, travelers flying or cruising into the Galapagos Islands or Ecuador's mainland may experience delays, lost luggage, or other interruptions in transportation services. Weather conditions, mechanical issues, and other events can cause these service disruptions, and depending on your plan, some travel insurance coverages can assist travelers with hotels and other fees incurred as a result of these disruptions.
In many parts of the world, there are areas where travelers are advised to take increased caution. Certain regions in Ecuador may expose visitors to a higher risk of identity theft or scams targeting travelers, but these situations may also be covered by specific trip insurance.
Many travelers want to retain the option to end their Ecuador trip early or cancel the trip before it begins. Those who want to be protected and reimbursed in cases like these should consider the trip cancellation or Cancel For Any Reason coverages. There are certain eligibility requirements for benefits like Cancel For Any Reason, and like all travel insurance, these coverages can vary by plan.
How Much Does Ecuador Travel Insurance Cost?
All trips to Ecuador are different, and travel insurance plans are typically unique to the trip. In general, the overall price of travel insurance for Ecuador is determined by:
- Coverages included in the plan
- Number of travelers being covered
- Ages of the covered travelers
- Duration of the trip
An increased price is usually due to a greater potential of risk during the trip. For example, protecting a shorter trip usually costs less than protecting a longer trip with similar levels of coverage, due to a higher chance of disruptions during an extended trip.
Do I Need Health Insurance to Travel to Ecuador?
While travel health insurance for Ecuador is optional, one of the most common reasons travelers purchase travel insurance is for medical benefits. Paying for healthcare out-of-pocket in another country can quickly become costly, and some facilities may hesitate to treat foreign patients without proof of adequate funds or travel medical insurance.
Most travel medical plans cover emergency treatment for injury or illness, medical evacuation, and dental care. Additional coverages may be included on a plan-by-plan basis. Some common medical benefits to consider for a trip overseas include:
- Coverage for pre-existing conditions
- Trip interruption
- Accidental death
Coverage for these medical events and more can be purchased in a standalone travel medical plan for Ecuador or alongside other benefits designed for travel-related situations with a comprehensive travel insurance plan.
What is the Best Travel Insurance for Ecuador Trips?
The best international insurance for Ecuador varies from traveler to traveler. Everyone has their own concerns while traveling, so each travel protection plan may include trip-specific benefits to meet these personal needs.
Comparing different travel insurance providers, coverages, and prices online is one of the most efficient ways to identify the right travel insurance for your next trip to Ecuador. Simply enter your trip details into the quote form to start a free travel insurance quote.
Travel Tips & Safety for Ecuador
Money & Currency Exchange
Great news for U.S. travelers — Ecuador's official currency is the U.S. dollar (USD). If your home currency is the U.S. dollar, just bring your cash right into Ecuador. The country doesn't impose a limit on the amount of money travelers are allowed to bring, but anything over $10,000 in cash may need to be declared upon arrival. While some businesses accept major cards like Visa, Mastercard, and American Express, Ecuador is largely a cash-based society. Travelers and locals alike are expected to carry U.S. dollars in cash to pay for services like taxis and make day-to-day purchases. In some cases, even hotels will ask for payment in cash. It's also important to note that large bills ($50 and $100 notes) may not be accepted at most locations, even at banks. If you really need to break a $50 or $100 bill, the Banco del Pacifico and Banco del Austro banks may be your best bet. ATMs are available in major cities and may be used to withdraw cash for a fee.
If you need to change your money into U.S. dollars, it's recommended to do so before arriving to Ecuador. Many airports and money exchange services will exchange most currencies to USD.
Many travelers to Ecuador prefer to get around like the locals by taking the bus. Buses in Ecuador may vary by the route length. For example, long-distance buses are more likely to follow time schedules and may provide air conditioning and more comfortable seating. On the other hand, local buses are typically louder, busier, and may operate on more of a loose schedule. Travelers with a valid driver's license and passport may choose to rent a car in Ecuador, but keep in mind that some of the country's more rural roads may not be well-maintained and may be frequented by wandering animals.
For longer distances, domestic flights link Ecuador's major cities to tourist hotspots like the Galápagos and the Amazon. However, be advised that in some cases, foreigners may be asked to pay higher prices for domestic flights than the locals.
Risk & Crime
Ecuador boasts a multitude of natural attractions and impressive biodiversity. These rich landscapes do unfortunately open the door to risks of wildfires, landslides, earthquakes, tsunamis, and floods. Local sources like the Ecuadorean National Geophysical Institute and the National Service for Risk and Emergency Management may provide up-to-date weather reports, so we recommend keeping an eye out for any breaking news before and during your trip. Additionally, the U.S. State Department's travel advisory for Ecuador may contain recent safety information for travelers or those considering taking a trip to Ecuador.
Man-made risks like theft and civil unrest may also be present in some parts of Ecuador. However, these risks can be lessened by remaining vigilant and taking extra precautions to avoid potential danger. It's usually best to avoid travel at night and only take official taxis, which will be marked by orange license plates or white plates with orange stripes on the top. Protests and other demonstrations should be avoided due to the possibility of police or military intervention. When out in public, and especially when taking public transportation, travelers are recommended to dress modestly and never leave belongings unattended or visible to passersby. Motorcycle drive-by theft has also been reported in Ecuador, so keep a firm grip on your personal items if you do need to carry something in public.
Top 15 Travel Destinations & Tourist Attractions in Ecuador
- Galápagos Islands
- Baños de Agua Santa
- Quilotoa Loop
- Cotopaxi & Cajas National Parks
- Riobamba & La Nariz del Diablo (The Devil's Nose)
U.S. / Ecuador Embassy and Consulate Locations
U.S. Embassy and Consulate in Ecuador
- Quito, Ecuador — U.S. Embassy
E12-170 Avigiras Ave. and Ave. Eloy Alfaro
- Guayaquil, Ecuador — U.S. Consulate General
Santa Ana St. and Jose Rodriguez Bonin Ave.
San Eduardo Sector
Ecuador Embassy and Consulate in USA
- Washington DC — Embassy of Ecuador
2535 15th St. NW
Washington DC 20009 United States
- Los Angeles, California — Consulate General of Ecuador
3600 Wilshire Blvd, Ste 1404
Los Angeles, CA 90010 United States
- New Haven, Connecticut — Consulado Del Ecuador En Connecticut
1 Church St
New Haven, CT 06510 United States
- Miami, Florida — Consulate General of Ecuador
117 NW 42nd Ave.
Miami, FL 33126 United States
- Chicago, Illinois — Consulado Del Ecuador En Chicago
180 N Wabash Ave, Ste 400
Chicago, IL 60601 United States
- Minneapolis, Minnesota — Consulado Del Ecuador En Minneapolis
2310 Central Ave NE
Minneapolis, MN 55418 United States
- Newark, New Jersey — Consulate General of Ecuador
400 Market St., 4th floor
Newark NJ 07105 United States
- New York, New York — Consulate General of Ecuador
800 Second Avenue, Suite 600
New York, NY 10017 United States
- Houston, Texas — Consulado Del Ecuador En Houston
2603 Augusta Dr, Ste 810
Houston, TX 77057 United States
- New York, New York — Permanent Mission of Ecuador to the United Nations
866 UN Plaza, Suite 516
New York, NY 10017 United States
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions, and benefits. When in doubt, please contact one of our licensed agents for additional assistance.