Ecuador
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Ecuador & Life Insurance
Options for life insurance for people going to Ecuador, can depend on if your trip is less than a 30 day holiday or 1 week work trip.
Journeys that fall within these times, should not affect your life insurance application and you will typically be able to get normal terms of cover.
To check your life insurance options we will ask:
- When are you travelling to Ecuador?
- Is your trip to Ecuador for work or a holiday?
- How long is your trip to Ecuador?
If you have to travel to Ecuador multiple times yearly or are staying for over 30 days, there could be some changes in terms you are offered for life insurance application. This highly depends upon which insurer you put your life insurance with, for some it won’t matter, but others might increase your policy premiums.
We might need to ask you details of where you are planning on staying when you are in Ecuador, for the insurer to fully assess your application.
If you are planning on doing any scuba diving, sailing or other sports when you’re in Ecuador, these can potentially alter your life insurance terms. One off events probably won’t be an issue, but it’s always best to let us know so we can check for you.
Our award winning advisers are here to give you peace of mind with the right life insurance policy, so that if the worst happens, your loved ones will be taken care of.
British citizens who have moved abroad can often still access life insurance and critical illness cover in the UK. There are specific rules that you must follow to be eligible for new life insurance and critical illness policies, and we are here to strip out the jargon and get you the cover that you need.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Insurers often watch political, social and health factors that a country in experiencing, and there are parts of Ecuador that are seen as risky to travel to at this time. You might find that some insurers want to wait until you are back from Ecuador before considering your critical illness cover application.
Our expert advisers are trained to find the critical illness policy that matches you and your needs, so that if you are diagnosed with a critical illness, you can focus upon you rather than worrying about money.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
People travelling to Ecuador will generally get income protection at normal terms, if you are staying in a safe area and only there for a short time. A short holiday or work trip, should not affect your ability to access income protection with some insurers.
Longer stays in Ecuador can make it a bit trickier to arrange income protection, as UK insurers have very strict rules over residency and eligibility criteria.
Protecting your income is one of the most important things that you can do to protect your financial future and our award winning advisers are here to sort it for you.
Are you planning on a trip to Ecuador? We’ve teamed up with a specialist travel insurance broker who can provide comprehensive cover for most countries. Request your no obligation travel insurance quote here.
Ecuador
- Primary Concerns: Duration of stay, location
- Reason for Travel: Business, leisure
- Duration of Stay: Holiday break, sabbatical, employment contract
- Popular Locations: Galapagos Islands, Quito, Mindo, Tortuga Bay Beach, the Andes, the Amazon
Fun Facts
- Ecuador has five UNESCO world heritage sites
- Mount Chimborazo is Ecuador’s highest mountain and is the closest point to space on Earth
- Ecuador holds 10% of the world’s plant species and 8% of all animal species
- For more information on specific health conditions, pastimes, occupations and countries please select here:
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Theodore Knowles
Author
This page was written by Theodore Knowles under the guidance of Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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