is a sensible precaution. Buy suitable trip insurance for
situation, e.g. volunteer, backpacker or existing medical conditions.
Ecuador before you leave your
home country - most insurers will refuse to provide a travel policy
after you have left. Your trip insurance should also
cover the cost of your Ecuador
flights if you are unable to
travel, so it is
worth buying a policy as soon as you book your flight. The
insurance cover you require will depend on your personal
best travel insurance is different for every traveller, but is rarely
the one offered by the travel agent. Compare travel insurance
online to get a good overview of what cover is available at what price,
and remember that the best insurance is not necessarily the cheapest.
It may be a false economy to buy cheap travel insurance if it
the cover you need, but if you're prepared to reduce cover for minor
ailments or lost luggage, or accept a higher excess, you may be able to
bring down the cost of your policy.
annual travel insurance may be a more economic option than a policy for
each trip if you travel often, but be aware that there is often a limit
to the length of each trip, perhaps 30 days. If your Ecuador
spans more than a month or so, a backpacker travel insurance policy may
be your only option anyway.
developing country with limited medical
facilities. Good travel medical insurance, i.e. a policy
including evacuation by air to a country with
better hospital facilities if necessary, could be seen as sensible.
This is even more important for older travellers or those
with existing medical conditions. Young, healthy travellers
fluent Spanish might prefer to take a cheaper travel insurance policy
with a higher excess and see a local doctor for any minor health
issues, but you'll still need travel cover in case of serious illness
Those with existing worldwide health insurance may not
necessarily be covered for travelling in Ecuador - check your policy
carefully. Remember that the travel health insurance policies
offered as part of a bank account package, etc., are often not valid
worldwide, or for trips of more than 31 days, so do check.
pickpocketing is significant on public buses and crowded markets.
However, if you don't carry anything of high value when you
then the amounts
involved may be lower than the insurance policy excess.
If you have an expensive camera and your high-end travel gear
cost a small fortune, the situation would be different.
comprehensive worldwide travel
insurance policy with a high level of personal belongings cover and a
excess might be an attractive option if you have a lot of
high-value items in your luggage.
Check the cover limits on individual items.
with medical and
liability cover but no baggage insurance are cheaper. You
will save money on the
insurance premium, if you can accept that you may have to spend some of
the savings in replacing a few of your belongings. This can
be good value for experienced travellers with low-value luggage, but do
make sure you have adequate cover for medical
emergencies or legal situations.
Extreme sports enthusiasts should buy a trip
insurance policy which covers their specific activities in Ecuador.
You might have to pay an extra premium
for cover for some activities, especially riskier adventure
mountaineering or diving, but even tranquil outdoor pursuits such as
hiking or snorkelling sometimes require special sports cover.
Some insurers class volunteering or internships as work, even if you
are not paid.
Buy a suitable travel insurance policy, make your insurer
you will be an intern or volunteer
and check that the tasks involved in your volunteering are not excluded
Travel insurance for those aged over 65 is not so easy to find
and for those over 75 it is even more of a challenge. If you
are UK-based, Saga claim to have no upper age limit for their travel
insurance policy. Remember to search for travel insurance to
cover existing medical conditions and declare those conditions when
Unfortunately, cheap insurance does not really exist for
travellers, it's more a case of finding the best travel insurance
policy at the time.
- be aware of your surroundings, keep hold of your valuables, don't
flash expensive possessions around, don't allow yourself to be
distracted and don't take your eyes off your luggage. Here's
hoping that, like many visitors, you'll have a peaceful visit to
Ecuador and won't need to claim on your travel
vary, you must choose a policy to meet your specific needs.
Before you buy trip insurance, shop around and
even use an insurance
site to get the
cover you want. Only you know how prone you are to
accidents or losing things. Your choice of hotels and
affects the risk of loss. For trips of more than
you will find rather fewer choices available and a backpacker policy
might be your only travel insurance option.
Travel insurance - trip insurance policy options for Ecuador, travel
insurance, levels of cover,
backpacker travel insurance policies vs. comprehensive cover,
for volunteers, interns and older travellers.
The best travel insurance? Tips for buying trip insurance.
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