Getting the right Ecuador insurance is vitally important if you are thinking of travelling or working in this fascinating country. Although not considered as dangerous as some South American countries, crime, including kidnapping, is on the increase and there is a risk of political unrest.

Ecuador – quick facts

  • Armed robbery is a constant hazard throughout Ecuador
  • International health insurance in Ecuador is essential, along with cover for emergency evacuation
  • Avoid areas near the Colombian border due to the risk of kidnapping, narco-terrorists and unexploded ordnance.

Get the right insurance for Ecuador


  • Specialist Ecuador insurance – this can include protection for personnel, property, vehicles and equipment
  • We can cover all of your business liabilities in Ecuador and help you to understand and meet contractual and local insurance obligations

For swift, confidential & professional advice:
Call our advisors on +44 (0) 207 305 5650

Use our online form to send us an enquiry


  • Due to the risks posed by crime and inadequate healthcare, specialist Ecuador insurance is strongly advised for visitors and expats
  • We can cover you for life, personal accident, personal disability, medical emergencies, evacuation and other specialist insurance needs

For individual policies get a quote

Potential problems in Ecuador

Ecuador may be the second smallest South American country but it packs a lot in. It boasts a wealth of history and culture and a natural diversity that includes Amazon jungles, Andean volcanoes and the unique Galápagos Islands.

Medical facilities can be expensive in cities and quality care is not readily available in more remote regions, including the Galápagos. Make sure you have comprehensive health insurance in Ecuador that includes emergency evacuation by air ambulance.

All travel to areas near the Colombian border is discouraged due to the presence of armed militias, drug traffickers and unexploded ordnance. Kidnapping, always a risk near the Colombian border, is also on the increase particularly in Quito and Guayaquil. We can organise kidnap and ransom cover as part of any Ecuador insurance.

Political unrest could present a problem to foreign nationals getting caught up in rallies or demonstrations. While these are usually peaceful they can become violent.

Crime can be a problem, most commonly ‘sneak’ theft such as pickpocketing, though there is a reported rise in armed robbery, sexual assault, and bus hijacking. Take care when using banks or ATMs, as these are a favourite target for mugging. Where possible leave valuables in a safe, carry a small bundle of cash to hand over quickly if you are accosted and don’t resist thieves as you may well get seriously injured or worse. Be mindful that any food, drink, drugs and even pamphlets offered to you by strangers may be contaminated with powerful sedatives designed to make you easy prey for theft or assault.

For advice for companies talk to us. For individual policies get a quote.

Latest advice from the FCO

The FCO advise against all travel to some border regions and all but essential travel to a number of other areas. Armed robbery is a constant hazard throughout Ecuador. Take out comprehensive travel and medical insurance before you travel.

Latest FCO Advice