Buy International Travel Insurance for Ecuador
Instant Policy, No Medical Check-ups

Travel Insurance for Ecuador from India Online, Starting ₹515

If you want to travel to Ecuador from India, you’re in for a treat! The Galapagos islands, historical cities like Quito, Cuenca, and Banos’s adventure-filled town are among the many places you can visit on your trip to Ecuador.

So, here’s where Digit’s International Travel Insurance to Ecuador comes into play. When you purchase your Ecuador Travel Insurance online plan from Digit, you will be protected in unpredictable situations such as flight delays, loss of passport, luggage delay, medical emergencies, trip cancellations, and any other mishap that could disrupt your trip to Ecuador.

Is Travel Insurance Mandatory for Ecuador?

Yes, travel insurance is mandatory when traveling to Ecuador. Ecuador is a part of the Schengen countries. Hence, to acquire a Schengen visa, you must have valid Travel Insurance.

A critical requirement when traveling to Ecuador is that your travel insurance must have a minimum medical coverage of €30,000, with emergency evacuation and repatriation coverage. You can buy your Schengen Travel Insurance from here.

What is the Cost of Travel Insurance for Ecuador from India?

A $50,000 Ecuador Travel insurance plan from India for 4 days for 1 adult starts from ₹515 (excluding GST).

Ecuador Visa for Indian Passport Holders

If you are planning a trip to Ecuador, you should decide the type of visa you want, as there are many Ecuador visa types. To make that decision, you need to be sure of why you want to visit the South American country in the first place. The following are the types of Ecuador visas:

  • Ecuador Tourist Visa - The Ecuador tourist visa permits you to visit the Sovereign State of Ecuador and experience all of its adventures valid for 90 days from the date of issuance. Your visa application will generally be processed in two to four weeks, but this will vary.
  • Ecuador Permanent Residency Visa - If you have been in Ecuador for at least 21 months, you can apply for a permanent resident visa.
  • Ecuador Temporary Residency Visa - This is a long-term visa granted to foreign citizens who wish to work or study in the Sovereign State of Ecuador. It may be issued for a maximum of two years and may be renewed if it expires.

What’s Great About International Travel Insurance by Digit?

Adventure Sports Covered - Our coverage includes activities such as scuba diving, bungee jumping & sky diving (provided the duration is one day).

Monetary Compensation for Flight Delays - We don’t want to waste your time any further. That’s why, when your flight is delayed, you will receive compensation as per your policy conditions.

Smartphone-Enabled Processes - No paperwork, no running around. Just upload the required documents and bank details when you make a claim. We’ll take care of the rest.

Missed-Call Facility - Give us a missed call, and we’ll call you back in 10 minutes. No more international calling charges!

Worldwide Support - We’ve partnered with the world’s largest health and travel insurance network Allianz, to support you seamlessly across the globe. T&C apply as per your policy.

Ecuador Travel Insurance Plans that fit your needs

Basic Option Comfort Option

Medical Cover

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Emergency Accidental Treatment & Evacuation

Accidents occur at the most unexpected times. Unfortunately, we can’t save you there, but we can surely help you get the best treatment. We cover you for immediate medical treatment that results in hospitalization.

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Emergency Medical Treatment & Evacuation

God forbid if you fall ill during your trip in an unknown country, don’t panic! We will take care of your treatment costs. We will cover you for expenses like hospital room rent, operation theatre charges, etc.

×

Personal Accident

We hope this cover is never required. But for any accident during the trip, resulting in death or a disability, this benefit is there for support.

×

Daily Cash Allowance (Per day/Max 5 days)

When on a trip, you manage your cash efficiently. And we do not want you to shell out anything extra for emergencies. So, when you are hospitalized, you get a fixed daily cash allowance per day, to manage your daily expenses.

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Accidental Death & Disability

While this cover has everything like the emergency accidental treatment cover, it has one extra layer of protection. It also covers death & disability while boarding, de-boarding or are inside the flight (Touchwood!).

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Emergency Dental Treatment

If you encounter acute pain or meet with an accidental injury to your teeth on the trip, resulting in emergency dental treatment provided by a medical practitioner, we will cover you for the expenses incurred due to the treatment.

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Smooth transit covers

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Trip Cancellation

If unfortunately, your trip gets cancelled, we cover the pre-booked, non-refundable expenses of your trip.

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Common Carrier Delay

If your flight gets delayed by more than a certain time limit, you get the benefit amount, no questions asked!

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Delay of Checked-in Baggage

Waiting at the conveyor belt is annoying, we know! So, if your checked-in baggage is delayed for more than 6 hours, you get the benefit amount, no questions asked!

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Total loss of Checked-in Baggage

The last thing that can happen on a trip is your baggage getting lost. But if something like this happens, you get the benefit amount for the entire baggage getting permanently lost. If two out three bags are lost, you get a proportional benefit, i.e. 2/3rd of the benefit amount.

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Missed Connection

Missed the flight? Don’t worry! We will pay for extra accommodation and travel needed to reach the next destination shown on your ticket/itinerary if, you miss a pre-booked onward flight because of a delay in the flight.

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Flexible Trip

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Loss of Passport

The worst thing to happen in an unknown land is to lose your passport or visa. If something like this happens, we reimburse the expenses, if it is lost, stolen or damaged while you are outside of your country.

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Emergency Cash

If on a bad day, all your money is stolen, and you need emergency cash, this cover will come to your rescue.

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Emergency Trip Extension

We don’t want our vacations to end. But we don’t want to stay in a hospital too! If due to an emergency during your trip, you need to lengthen your stay, we will reimburse the cost of hotel extensions and return flight rescheduling. The emergency could be a natural calamity in your travel area or an emergency hospitalization.

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Trip Abandonment

In case of emergency, If you had to return home early from your trip, that would be really sad. We can’t fix that but we will cover charges for alternate travel arrangements and non-refundable travel costs like accommodation, planned events and excursion expenses.

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Personal Liability & Bail Bond

Due to an unfortunate incident, if there are any legal charges against you while you are travelling, we will pay for it.

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Coverage option suggested above is only indicative and is based on market study and experience. You may opt for any additional coverages as per your requirement. Please call us at 1800-258-5956 in case you want to opt for any other coverages or wish to know further details.

To read about the policy in detail please click here.

What's Not Covered? 

Digit's Travel Insurance from India to Ecuador covers most things that could go wrong during your vacation. We are completely open in all that we do. Understanding what your travel insurance does not cover is critical, just like knowing what is covered. The following are some exclusions that our travel plan will not cover:

  • We can't cover diseases or illnesses already diagnosed (pre-existing conditions) or if your doctor has already recommended no travelling.
  • Daily cash allowance of up to 5 days is only valid for those hospitalised during their holiday in a foreign country.
  • Death or disability won't be covered after 365 days of the accident that has caused it.
  • Adventure sports are covered if you're doing it for one day. This doesn't include weeklong treks, hikes or professional-level adventure sports that go on for more than one day.
  • Acts of War are not covered.
  • Flight delays are not covered if your airline already informed you about the same at least 6 hours in advance.
  • Delay of checked-in luggage is not covered if the delay is due to customs.
  • Any missed connection where the time gap between scheduled arrival of incoming flight and scheduled departure of connecting flight was less than the time required.
  • Thefts will not be covered if the police of the respective aren't notified within 24 hours.
  • Trip extensions due to childbirth or related matters can't be covered.
  • Trip abandonments due to pre-existing illnesses or health conditions can't be covered.
  • Trip cancellations due to rejection of visa are not covered. 

With us, get access to VIP claims

After you buy our international travel insurance for Ecuador, you live tension free as we have a 3-step, completely digital claims process!

Step 1

Give us a call at 1800-258-5956 (if in India) or drop a missed call & we’ll call back in 10 mins.

Step 2

Upload the required documents & your bank account details, on the link sent.

Step 3

We’ll take care of the rest!

How to Buy Travel Insurance for Ecuador with Digit?

Step 1

On the Digit app or website, select the geography/country, number of travellers and date of birth, and click ‘View Prices.’

Step 2

Select the plan, sum insured, and click ‘Continue.’

Step 3

Next, fill in your personal and nominee details, complete health declaration, click ‘Pay Now’ and complete the payment.

Step 4

You’re done! The policy document will be sent to you via email, SMS, and WhatsApp. You can also access it 24/7 on the Digit App.

Why Choose Digit for Ecuador Travel Insurance Policy from India?

  • Daily Cash Allowances - If during the trip, due to an accidental injury or an emergency medical treatment you are hospitalized and low on cash, you can use the daily allowances provided by Digit, up-to-the maximum number of nights as specified in the policy schedule.
  • Dental Treatment - Emergency dental treatment provided by a dentist during your trip, due to an accidental injury or acute pain in your natural teeth is covered up to the limits shown on your policy schedule.
  • Personal Accident - If you meet with an accident on your trip that leads to partial or total permanent disability or death, we will cover you up to the limits mentioned in the policy schedule.
  • Accidental Death and Disability (Common Carrier) - It covers you for accidental injuries while riding as a fare-paying passenger on a flight or other passenger transport, leading to permanent disability or death.
  • Personal Liability & Bail Bond - It covers you for any amount that you pay to a third-party or the legal expenses incurred, due to an accident or damage during your trip.

Disclaimer: Your policy is subject to the terms and conditions mentioned in your policy schedule and the policy wording. It is important that you thoroughly review these documents before making any decisions.

What is Ecuador’s Official Currency?

Ecuador's official currency is the USD, denoted by the letter "$." It is one of the most extensively used reserve currencies worldwide and is renowned for its dependability and stability. Cents are the 100 smaller units into which the USD is divided.

As of 3rd August 2024, the currency exchange rates of USD are as follows:

Country Currency USD
India 100 INR 1.19 USD
Australia 100 AUD 65.08 USD
Europe 100 EUR 109.16 USD
Japan 100 JPY 0.68 USD
United Kingdom 100 GBP 128.06 USD

 Note: You cannot use any currencies other than USD anywhere in Ecuador.

Compare Ecuador Travel Insurance Quotes 

Whilst comparing travel quotes from different insurance companies, make sure you are aware of the following:

  • The medical benefits available and the limit of the Sum Insured for each.
  • Generally, the terms and conditions can be tricky and hard to come by. Read the fine print carefully.
  • The claims process by checking the company's previous claim records. After all, that's the whole point of insurance.

What is Ecuador Famous For?

Ecuador is famous for its exotic coastal areas, abundant flora and fauna, charming music, authentic cuisine, and unique local handicrafts.

If Ecuador is on your adventure wish list and you are planning to visit the country, this guide will provide more information about visa formalities, places to visit, safety tips, and more.

When is the Best Time to Visit Ecuador?

There is no specific ideal season to visit Ecuador. However, Ecuador experiences huge international footfalls of tourists from the middle of June to the beginning of September. In addition, travelers from various parts of the world visit Ecuador in December and January.

Safety Tips When Travelling to Ecuador

Some of the top safety precautions that are necessary to consider when you visit Ecuador:

  • Keep a close eye if you are carrying big backpacks, expensive smartphones and DSLR cameras. Though crime rates in Ecuador are negligible, tourists have sometimes experienced petty crimes like phone snatchers, pickpockets, etc.
  • Avoid roaming or visiting areas that have a negative reputation. For example, it is preferable not to visit the Columbia-Ecuador border as there are specific travel restrictions that tourists must abide by.
  • As you are new to the country, avoid roaming around alone in the dark. In case you need to travel to another at night, take the hotel's assistance to book a cab.
  • Ecuador lies in the infamous Ring of Fire. This means you can experience earthquakes or volcanic eruptions at any time during your stay in Ecuador. Keep a check on weather updates and regulations.
  • While you are travelling to Ecuador, getting travel insurance and specific vaccinations becomes essential. It is advisable to get vaccinations for diseases like hepatitis A/B and tetanus based on the destinations you will be travelling to.
  • Moreover, purchasing travel insurance will protect your finances as it will cover unexpected expenses like medical treatments and cancellation of hotels, etc.

List of Indian Consulates and Embassy in Ecuador

Contact City Official Site
Embassy of India Quito https://ec.usembassy.gov/

List of Airports in Ecuador

The following is the list of international and domestic airports in Ecuador:

Name of Airport Type
Guayaquil Jose Joaquin de Olmedo International Airport International
Quito Mariscal Sucre International Airport International
Latacunga Cotopaxi International Airport International

 

The best travel insurance for Ecuador protects you from financial losses caused by any mishaps during your trip. Digit offers travel insurance that focuses on your safety and comfort. Our plans cover many different situations and are budget-friendly.

FAQs about Ecuador Travel Insurance from India

When should I purchase the travel insurance policy to ensure my Ecuador trip is covered?

To ensure your Ecuador trip is covered, purchase your travel insurance policy at least the day before your journey commences. However, it will always benefit you during unfortunate and unpredictable situations such as flight delays, medical emergencies, baggage delay/loss, adventure sports, and more.

Do you need to notify the travel insurer about health problems?

If you did not tell your travel insurer about an existing health problem before you took out the insurance, you may not be covered if you need treatment for this while you're away. You may be unable to claim the cost of any medication you usually need and may have to take while traveling.

Are the Galápagos Islands included in Ecuador's travel insurance?

It depends on the travel insurance policy you purchased. Some policies might have specific exclusions or conditions for remote areas like the Galápagos. Always check the policy wording.

Does travel insurance cover adventure sports activities?

Yes, travel insurance covers various adventure sports. You can enjoy adventure sports that last less than 24 hours continuously during your trip, provided you participate in a non-professional capacity and under the supervision of a trained professional. This cover protects you if things go wrong.

What is usually covered by travel insurance?

The comprehensive policy usually covers delays, cancellations due to sickness or death, lost luggage, and emergency medical costs.

Does travel insurance cover scams?

Suppose you lose your vital documents, such as your passport and debit or credit card, during your trip due to a tourist scam. In that case, your insurance provider might compensate you as travel insurance does not directly cover scams.

Is insurance refundable if the visa is rejected?

Only the visa fee is refunded if the visa gets rejected. However, if the customer has purchased travel insurance that covers trip and flight cancellations, they are eligible for a refund on flight cancellations.

Will travel insurance cover the expenses if I have to make arrangements to return home on an emergency basis?

Yes, trip abandonment is covered under Digit’s travel insurance policy. Thus, individuals can avail of travel insurance benefits for the costs incurred to make alternative emergency travel arrangements, along with reimbursement for non-refundable travel booking costs like accommodation, etc.

How much does travel insurance for Ecuador cost?

You can avail of Digit’s Ecuador travel insurance policy for a sum insured of $50,000 at a premium starting at ₹515 (excluding GST) for 4 days for an adult.

What should I do in case of a medical emergency in Ecuador?

If you fall ill or need to have a medical emergency, you can contact the local authorities quickly. Your digit travel insurance policy will assist with unexpected emergencies requiring hospitalization due to illness or acute pain. We will pay reasonable charges as per your policy.

Can I buy travel insurance upon arrival in Ecuador?

Yes, you can purchase travel insurance upon arrival in Ecuador; many insurance providers offer travel policies that can be activated even after your trip has begun.

Can I extend my travel insurance while in Ecuador?

Yes, if your trip is extended due to unavoidable circumstances mentioned in your policy documents and you have to stay longer than expected, you will be reimbursed for the costs.

What are the main risks covered by travel insurance in Ecuador?

Travel insurance for Ecuador will provide financial protection in case of unexpected events like baggage loss, passport loss, or medical emergencies and give you peace of mind while you travel.