panama travel insurance

Top Travel Insurances for Panama You Should Know in 2024

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

A Central American country that's home to pristine rainforests, beaches, and wildlife, Panama is an attractive destination for thousands of visitors and expats each year. Although travelling to Panama can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Panama and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Panama Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Panama:

Best Travel Insurances for Panama

• 01. Should I get travel insurance for Panama? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Panama scroll down

Heading to Panama soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Panama?

No, there's currently no legal requirement to take out travel insurance for travel to or through Panama.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Panama or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Panama:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Panama. It lets you choose between various plans tailored to meet the specific needs of your trip to Panama, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Panama:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Panama? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Panama

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Panama. However, we strongly encourage you to do so anyway, because the cost of healthcare in Panama can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Monito is trusted by 15+ million users across the globe.

Monito's experts spend hours researching and testing services so that you don't have to.

Our recommendations are always unbiased and independent.

• Destinations

Panama Travel Insurance Requirements

Last updated: 03/07/2024

Squaremouth’s Panama Travel Insurance Recommendations

For travelers visiting Panama, Squaremouth recommends a comprehensive insurance policy that covers Emergency Medical and Medical Evacuation benefits, as well as Trip Cancellation coverage. Travel Insurance is not required when traveling to Panama, however, many travelers want to protect their trip investment and protect themselves against high medical bills from illness or injury during their trip.

Travelers concerned with Covid-19 while traveling to Panama should purchase a policy with Covid-19 coverage. Most travel insurance providers on Squaremouth.com provide cancellation and medical benefits for contracting the Coronavirus. For all other Covid-related concerns and impacts on travel, including border closures, quarantine restrictions, and fear of contracting the virus, Squaremouth recommends a policy with the Cancel For Any Reason upgrade.

For those travelers who are concerned with needing medical coverage while traveling to Panama, Squaremouth recommends a policy that includes at least $50,000 in Emergency Medical coverage and $100,000 in Medical Evacuation coverage.

Emergency Medical coverage can provide reimbursement if a person becomes ill or injured during their trip. Most policies on Squaremouth.com can also provide coverage for a traveler who contracts Covid-19 and needs medical attention.

Medical Evacuation coverage can reimburse a traveler for expenses related to getting to the nearest adequate medical facility. In some cases, this coverage can also reimburse a traveler for expenses to get home under the guidance and recommendation of a physician.

For those who are traveling to remote areas of Panama or taking a cruise through the Panama Canal, medical treatment and evacuation can be more complicated and expensive. In these situations, Squaremouth recommends at least $100,000 in Emergency Medical coverage and $250,000 in Medical Evacuation coverage.

For travelers who have prepaid or non-refundable trip expenses, Squaremouth recommends Trip Cancellation coverage. This type of coverage can reimburse travelers for insured trip expenses in the event they have to cancel their trip for a covered reason. These reasons typically include unexpected illness or injury prior to departure, and also can include inclement weather, terrorism, and testing positive for Covid-19 prior to departure.

Click here to begin your search for Panama Travel Insurance.

Panama Travel Insurance Trends and Data

Panama is a popular tourist destination and stop for cruise lines. Many people visit the iconic Panama Canal and experience the rainforest and metropolitan areas the country has to offer.

Destination Rank: 49

Percentage of Squaremouth Sales: 0.50%

Average Premium: $346.70

Average Trip Cost: $4,443.35

Squaremouth Analytics compares thousands of travel insurance policies purchased pre- and post-pandemic to identify changes and trends in the travel insurance industry.

Helpful Resources

• Panama Tourism
• Panama Immigration Forms

Available Topic Experts for Media:

Squaremouth's destination information is free and available for use within your reporting. Please credit Squaremouth.com for any information used.

Squaremouth's topic experts are on hand to answer your questions. Contact a member of our team for media inquiries about Squaremouth Analytics or to schedule an interview.

Steven Benna, Lead Data Analyst: [email protected]

We're here to help!

Have questions about travel insurance coverage? Call us! 1-800-240-0369 Our Customer Service Team is available everyday from 8AM to 10PM ET.

• Travel Insurance
• Mobile Phone Insurance
• Gadget Insurance
• iPhone Insurance
• Google Pixel Phone Insurance
• Samsung Phone Insurance
• my loveit coverit
• How to Claim
• Policy Documents
• Policy Excesses
• Key Exclusions and Conditions
• Fraud Policy
• Phone Recycling
• Tablet Insurance
• Smart Watch Insurance
• Laptop Insurance
• Games Console Insurance
• Headphones Insurance
• Camera Insurance
• Annual Travel Insurance
• Couples Travel Insurance
• Cruise Travel Insurance
• Family Travel Insurance
• Group Travel Insurance
• Medical Travel Insurance
• Single Trip Travel Insurance
• Winter Sports Insurance
• Cover Levels
• Mobile Phone and Gadget Insurance

For medical emergency, medical expenses, repatriation and evacuation claims

In the event of an emergency, you should call us right away.

Please call the 24-hour emergency assistance number: +44 0203 ‍0931749

• Google Pixel
• Samsung Phones
• Gadget News
• Travel News
• The Changing World
• loveit coverit News
• Please wait...
• iPhone insurance
• Apple watch insurance
• loveit coverit login
• Couples travel insurance
• iPhone 13 insurance
• Nintendo Switch insurance
• Airpods insurance
• Samsung insurance
• HP laptop insurance
• Ibiza travel insurance

Travel Guide

Our Panama Travel Guide

Panama is a paradise destination that you won't want to miss. This narrow country is packed with culture, beautiful tropical beaches, rich history, and diverse wildlife, making it the perfect place for an adventurous holiday. In Panama, nature is waiting to be discovered. You can explore the ruins of Spanish forts on the Caribbean coast or take a boat deep into indigenous territories in a dugout canoe. The wildlife in Panama is also a sight to behold, with the chance to see a resplendent quetzal on a highland trail, a troupe of howler monkeys, or even a breaching whale during a ferry ride. Don't miss out on the opportunity to experience all that Panama has to offer.

Reasons why you should get travel insurance for Panama

Natural disasters and weather events, outdoor activities and adventure, medical cost, loss luggage, main facts about panama, your panama bucket list.

If you're in Panama, you HAVE to do these things: 1 .Attend the Panama Jazz Festival. 2. Gulf of Chiriqui National Marine Park. 3. Take part in Coffee Tasting in Boquete. 4. Explore the El Valle. 5. Venture across Volcan Barú. 6. Ride the Panama Canal. 7. Explore the Guna Yala Islands. 8. Visit Casco Viejo. 9. Soak up the Sun at Bocas del Toro. 10. Swim with turtles at Coiba Island.

Traveller, there are no paths. Paths are made by walking        

From our news.

Is travel insurance worth it? We look into the pros and cons of holiday cover and ask, should you get travel insurance?

Couples travel guide compiled the loveit coverit travel insurance team, discover the best places in the world to explore together.

Travel hacks using dating apps, how you can use dating apps in an alternative way to enhance your travel experience overseas.

• Privacy & Cookie Policy
• Affiliate Programme
• How to Make a Claim
• Considering Cancelling Your Policy?
• loveit coverit Ireland

Health & Dental Quotes

• Health Insurance
• Dental Insurance
• Group Benefits
• Disability Insurance
• Critical Illness Insurance

Life Insurance Quotes

• Life Insurance
• No Medical Life Insurance
• Mortgage Life Insurance
• Funeral Insurance

Home and Auto Quotes

• Auto Insurance
• Home Insurance
• Condo Insurance
• Renters Insurance

Pet and Travel Quotes

• Travel Insurance
• Snowbird Travel Insurance
• Super Visa Insurance
• Pet Insurance
• Affordability Calculator
• Closing Cost Calculator
• Payment Calculator

COMPARE CREDIT CARDS

• Best Credit Cards in Canada
• Best No Annual Fee Credit Cards
• Best Rewards Credit Cards
• Best Cash Back Credit Cards
• Best Travel Credit Cards
• Best Business Credit Cards
• Best Student Credit Cards
• Best Credit Score Builder Cards
• Best Low Interest Credit Cards
• Best Balance Transfer Credit Cards
• Best No Foreign Exchange Credit Cards

OUR FEATURED CREDIT CARDS

• Neo Financial

CREDIT CARD REVIEWS

• Neo Financial Review
• Tangerine Money-Back Credit Card Review
• Scotiabank Value Visa Card Review
• Scotiabank No Fee Credit Cards Review
• Refresh Financial Secured Credit Card Review
• HBC Mastercard Review

CREDIT CARD GUIDES

• Annual Fee on a Credit Card - Is It Worth It?
• The Difference Between Mastercard and Visa: Answering Your Questions
• Purchases You Should Always Charge on Your Credit Card
• Why Having More than One Credit Card Makes Sense
• Spend to Earn: How to Earn Credit Card Reward Points Quickly
• Building Credit with a Credit Card
• Charge Card vs Credit Card: Understanding the Difference
• Easy Ways to Lower Your Credit Card Interest Rates
• Secured vs Unsecured Credit Card; The Best Way to Build Credit
• Personal Loans
• Business Loan
• Debt Relief
• Bank Accounts
• Free Credit Score
• Provincial Health Insurance Plans
• Insurance Companies
• Insurance Forms
• Insurdinary Reviews

CANADA RESOURCES

• My Service Canada Account: Step-by-Step
• SIN Number Application: Step-by-Step
• My CRA Account: Step-by-Step
• Canada Immigration 101
• Home 101: Understanding Your Home
• First-Time Home Buyer Guide in Canada
• Tax Resource for Canadians
• Beginner's Guide for New Drivers
• Canada's Food Guide
• Common Law Guide in Canada
• Pregnancy Guide for Canadians
• Renters and Landlords Guide
• Retirement Guide in Canada
• Best Places to Live in Canada
• Best Places to Retire in Canada
• 11 Best Places to Visit in Canada in the Wintertime
• Best Travel Destinations in Canada
• Best Travel Destinations for Canadians
• How to Log In
• How to Submit Claims
• 9 Benefits of Using A Health Insurance Broker
• Health Insurance for International Students in Canada
• The Complete Guide to Life Insurance
• Ultimate Guide to Buying Life Insurance at Every Age
• Best Life Insurance Options for Seniors
• Understanding Life Insurance for Children
• Understanding Life Insurance for Couples
• 6 Life Insurance Mistakes to Avoid
• Life Insurance for Drug Users
• Can Smokers Get Life Insurance
• Can Alcoholics Get Life Insurance
• Can I Get Life Insurance If I Have Asthma
• Can I Get Life Insurance If I Have Diabetes
• Can I Get Life Insurance If I Have Epilepsy
• Can You Get Life Insurance After A Stroke
• Can You Get Life Insurance with Cancer
• Canadiens Vs Maple Leafs - Digging Into The Rivalry
• How to Speak Canadian the Right Way
• Canada Road Trips
• How to Have a Side Hustle in Canada
• Top 5 Tourist Places in Each Province Revealed
• Top 5 Places to Go Glamping in Canada
• Best Free Tax Return Software for Canadians
• What Not to Post on Social Media while Traveling
• The Average Cost of Raising a Child in Canada
• The Real Cost of Owning A Pet in Canada
• The Real Cost to Build a House in Canada
• The Real Cost of Owning a Cottage in Canada
• The Real Cost of Owning a Boat in Canada

IN THE PRESS

• Insurdinary Surpasses 1000 Reviews!
• How Insurdinary Rakes in Great Reviews
• Optimize Your Finances with Insurdinary’s Expense Tracker App
• Insurdinary's Online Life Insurance Quoter: How It Works
• APOLLO Insurance Partners with Insurdinary

RESEARCH STUDY

• How COVID-19 Impacted Your Opinion on Life Insurance
• How COVID-19 Impacted Your Opinion on Travel Insurance
• Injured or Hospitalized While on Vacation
• How Do You Prefer to Buy Life Insurance
• Compare. Save. Get the Best Rates. Get Quotes Contact Us

Panama Travel Insurance

Travel Insurance Overview

Panama continues to attract tourists across the world, thanks to its world-class diving, fishing, snorkeling, and sailing. Panama has a U.S style city with first world infrastructure, it is the best place for ecotourism and nature travel. It is a safe and tourist-friendly destination with lots of attractions.

Canadians visit Panama for several reasons ranging from trade to tourism. In 2017, Canada’s two-way trading with Panama was valued at $161 million with export at $151 million and import at $10.5 million.

When traveling to Panama, you need to have the right Panama travel insurance or private medical coverage to protect you and your loved ones in case of medical emergencies abroad. Your provincial plan will not cover you abroad this is why you need to have the right travel insurance for all-round coverage when you travel.

To get an instant quote on Panama travel insurance, click here .

Travel Insurance Details

Basic information about panama.

Some important information on Panama Travel Insurance that we think you’ll want to know before you travel.

To read more about Panama travel insurance, click here .

Speak To An Expert

Panama security measures for travelers.

The decision to travel to Panama is your choice and you are also responsible for your personal safety abroad. However, since we care about your safety and security, we provide you reliable and credible information in our Travel Advice to help you to make well-informed decisions when you travel to the Central American country.

Panama – Take normal security precautions.

• Due to the high level of crime, exercise a high degree of caution when traveling to Colón and some other parts of Panama City.
• Due to the extremely high level of violent crime avoid all travel to the areas beyond the town of Yaviza in Darien Province to the Colombian border.

Travel Health Notice – Zika virus

The Public Health Agency of Canada advises travelers to practice special health precautions in Panama due to the Zika virus. Pregnant and would-be pregnant women should avoid traveling to Panama.

Entry / Exit requirements

Just like every other country, Panama decides who enters or exits its borders. The Canadian government will not intervene on your behalf if you do not meet the country’s entry or exit requirements.

The information on this page was obtained from Panamanian authorities; however, it can change at any time. Moreover, you can verify the information with foreign diplomatic missions and consulates in Canada.

The type of passport you use to travel determines the entry requirements that apply to you. Contact your transportation company about passport requirements before you travel.

• Regular Canadian Passport - You need to hold a passport valid for a minimum of three months beyond your expected duration of stay in Panama.
• Passport for official travel - Different rules may apply. Learn more about official travel here .
• Other travel documents - The rules that apply when traveling with a temporary passport or an emergency travel document may differ. Find out about entry rules from the closest diplomatic mission for Panama before you leave.

Useful Links

• Foreign diplomatic missions and consulates in Canada
• Canadian passports

To learn more about Panama travel insurance, click here .

Panama Healthcare

Panama has both public and private hospitals and health care centers. The quality of healthcare in the North American country is standard but medical treatments could be expensive. When traveling to Panama, you need to go with enough money to cover some potential costs because some doctors may require cash payments. You also need the right Panama travel insurance for coverage against medical emergencies, hospitalization and accidents.

For more information about healthcare in Panama, click here .

Panama Travel Insurance News

Karen and Eric Miles started looking for a place to retire in 2012 at the end of one of the cold winters in Ottawa. They ruled out the United States and when they considered warmer locations in Canada, they were out of budget. Mr. Miles worked for 30 years as a non-commissioned officer in the military before he retired. The couple lived on Mr. Miles’ government pension accumulated over the years.

After considering several locations, the Miles will be whiling away their days in Panama where the temperature stands around 30 degrees throughout the year and they won’t have to worry about shoveling snow.

The Miles is among the growing number of Canadians who decided to leave the snowy environment, look away from the United States and look for a place with a much warmer temperature. The couple chose Panama due to the chance it offers them to live the good live at a discount.

To learn more about Panama travel insurance news click here .

Travel Insurance Related Pages

Panama travel insurance faq, do you need a visa for travelling to panama.

Canadian passport holders do not need a tourist visa to travel to Panama but you need a business visa and a student visa to travel for business and to study in Panama respectively.

To learn more about Panama travel insurance and visa, click here .

Can I buy multiple travel insurance policies?

If you are not satisfied with the benefits and features offered by a single policy, you can buy multiple travel insurance policies. When doing so, you should not double dip.

Does travel insurance cover doctor visits?

Your Panama travel insurance policy will cover the cost of doctor visits and other outpatient services.

Can I buy travel insurance the day I leave?

You can buy Panama travel insurance the day you leave Canada or even later. Some insurers offer usage-based policies that can be purchased on the go and managed as much as you want.

How long does a travel insurance claim take?

The length of time it takes to receive an outcome for your claim depends on the type of claim involved. If you provide the necessary documents to your insurer, you should receive an outcome in 10 to 14 business days.

Panama Travel Insurance

If you are planning a trip to Panama you may highly benefit from our Panama Travel Insurance.

 What is Travel Insurance?

Travel  insurance is  a  type  of insurance that covers the costs and  losses  associated with traveling. It is a plan you purchase that protects you from certain financial risks that can occur while traveling, such as a delayed suitcase, a trip cancellation, or a medical emergency overseas. Helps travelers deal with various contingencies that can occur during their trips.

The Significance of Travel Insurance

This insurance is significant because it offers travelers peace of mind and financial protection. It ensures that they are not burdened with exorbitant costs in case of unexpected incidents such as medical emergencies, trip cancellations, lost luggage, or other unforeseen events during their travels.

Benefits of Comprehensive Coverage

Comprehensive coverage is more than just protection; it's your ticket to peace of mind. It goes beyond addressing health risks and travel disruptions; it empowers you to immerse yourself in the Honduran experience fully.

best places to visit in panama

Panama city .

Panama City  is the capital and largest city in Panama and is located at the Pacific entrance of the Panama Canal.

It is considered the most modern city in Central America unofficially referred to as ‘the Dubai of Latin America.’ Here you’ll find high-end resorts, shopping malls, and glitzy skyscrapers. The city is known for its excellent views surrounded by the Panamanian rainforest. An undoubted highlight of this multicultural capital is the Panama Canal, which you can experience through skydiving, or by climbing up the Bridge of the Americas.

Bocas del Toro

Bocas del Toro , meaning “mouths of the bull” is a province of Panama, comprising the mainland and nine main islands, including the Bocas del Toro Archipelago.

The Bocas del Toro Archipelago is a cluster of islands, islets, and cays between Almirante Bay and Chiriqui Lagoon in the Caribbean Sea. The area is a magical wonderland of wild jungle, national parks, and biodiverse habitats for a plethora of birds and marine turtles. In addition, Bocas del Toro is home to fascinating fauna and flora – some of which can only be found here. Endangered species include painted rabbits, green iguanas, and howler monkeys.

Continents:

The European continent is located completely in the northern hemisphere and mainly in the eastern hemisphere. Europe borders onto the Arctic Ocean in the North, the Atlantic Ocean in the west and the Mediterranean Sea in the South. There are 50 countries in Europe with a total of more than 748 million people living on the continent in 2021.

There are 49 countries in Asia according to the UN. The 10 biggest countries are listed in the right column of this page. Two of the Asian countries, Russia and Turkey, also share part of their territory on the European continent. Additionally there are two countries that only have limited international recognition: State of Palestine and Republic of China/Taiwan and some dependencies. Asia is the most populous continent with more than 4.7 billion people living there. (2022)

There are 54 countries in Africa – and 9 dependent territories. More than 1.3 billion people live on the African continent. This means about 15% of the world’s total population live in Africa! Even though Nigeria is only a third of the size of Algeria, it is the most populous country in Africa, with more than 219 million people.

NORTH AMERICA

Oceania is in a continental group consisting of 14 countries and includes Pacific islands and Australia. Often Australia is named as a continent, but this means that the many islands and countries except Australia would then be not included. Oceania in fact is mostly ocean and spans a vast area as you can see below.

MULTI-TRIP TRAVEL INSURANCE

Annual multi-trip travel insurance could cover you for an entire year. However, there is a limit to the number of days you could travel consecutively, which is usually 15 to 92 days.

GROUP TRAVEL INSURANCE

Obtain travel quotes for groups. We can search the market-place for the quotes that match your firm’s needs.

By definition, travel insurance offers cover for accidents or mishaps when you’re abroad, usually for a short period of time. Most travel insurances, include medical cover. Additionally, some offer cover for lost baggage or flight cancellations.

We offer travel insurance to citizens around the world. You can get instant online travel insurance quotes and receive your travel health insurance policy confirmation via email.

Whether it’s a beach holiday with the family, a business trip, or a training trip away, at SoEasy international travel Insurance, you can buy the best single trip travel medical insurance and multi-trip travel medical insurance online.

ALL COUNTRIES

1. countries of europe, 2. countries of asia, 3. countries of africa, 4. countries of north america, 5. countries of south america, 6. countries of australia and oceania.

Travel Insurance

Travel Insurance, Schengen visa travel insurance, Europe and Worldwide Single Trip and Multi-Trip Insurance policies.

• Panama Travel Health Insurance
• Travel-guide

Whenever you venture to an exotic destination outside of your home country, it pays to be prepared. Even if you’ve never bought travel insurance before, investing in third-party coverage is a good idea, as you never know when you might need it. Before you contact your preferred travel insurance agency, check out our guide to travel insurance in Panama and make an informed decision about your coverage.

Specialized Medical Coverage

If you rely on Medicare for your prescription medications and hospital treatment, you should be aware that Medicare does not cover medical attention overseas. If you’re injured while on vacation in Panama, Medicare will not cover the cost of your treatment. Fortunately, over-the-counter medicine is easily purchased (even in specific quantities). It is advised that you bring the medication you take for preexisting medical conditions with you.

Should you wish to stay here longer than 30 days, you should consider investing in specialized third-party coverage. This is especially important if you have a preexisting medical condition, as certain ailments will not be covered by the free basic travel insurance package provided by the Panamanian government. Check with your provider to see if there are any limitations to your coverage based on preexisting conditions before you travel.

Panama has some of the best hospitals in Central America, so in the event something does happen during your trip, you can rest assured you’ll be in good hands. Hospital Punta Pacifica in Panama City is affiliated with Johns Hopkins in Maryland, one of the finest medical facilities in the U.S., and the standards of care at other hospitals across the country are excellent. Expect bilingual, highly educated professionals.

The best vacations are the safest ones, and by investing in travel insurance before you depart, you can focus on what really matters – exploring this amazing country and experiencing everything it has to offer, rather than worrying about whether you’re covered in the event of an accident or delayed flight.

Our commitment is to deliver you the vacation of a lifetime!

• Global travel destinations
• Central-America

Panama Travel Insurance, Best travel insurance Panama

Travel insurance quote form, do you want to insure trip cost as well as the health of the traveler, please click here to buy travel insurance for quarantine coverage, travel insurance with trip protection coverage - highlights, trip cancellation.

Reimbursement for loss of pre-paid, non-refundable payments.

Medical evacuation

Transportation to or between hospitals as needed.

Reimbursement of food and lodging expenses due to delay in travel.

Lost baggage

Pays sum for lost or delayed luggage by airline.

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Travel medical insurance with no trip protection - Highlights

Health care expenses.

Covers medical costs for sickness or accidents during travel.

Doctor visit

Covers cost of clinic or doctor visit.

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

Repat of remains

Return of moral remains to home country or local burial.

Panama healthcare for tourists, Travel health insurance for Panama

US citizens traveling to Panama

Panama travelers to USA

Best travel insurance for panama from usa, testimonials - from our customers.

Appreciate all the help that you provided me. It really worked well and I was able to purchase the cover I was looking for. Know more »

I am pleased to say that your company is very professional in the field of Insurance. Know more »

Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company. Know more »

Traveling in groups? Get the best Group travel insurance quotes!

Frequently asked questions about best travel insurance for Panama

01. does panama travel insurance cover covid19 illness.

There are some USA travel insurance plans for travel to Panama that cover Covid. International travelers can compare best travel insurance plans and buy it online.

These US travel insurance plans are available for visitors from Panama to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.

02. Is travel insurance necessary for Panama? Is it necessary to have travel health insurance in Panama?

If you need a visa for traveling to Panama (Schengen visa), then - Yes, Panama visa insurance is necessary for applying for the Schengen visa. The Panama visa travel insurance requirement is a minimum coverage of 30,000 Euros. If you a citizen of a country which does not need a visa for traveling to Panama, then buying travel insurance for Panama is not mandatory for visits of less than 90 days.

However, given the cost of healthcare in Panama, and that domestic health insurance offers little health insurance outside your home country, it is strongly recommended to buy travel insurance Panama. Compare best travel insurance for Panama and get free quotes online.

03. How can I get travel medical insurance for Panama?

Travelers to Panama who need the Schengen visa can buy Panama visa travel insurance on our website. Our Schengen visa travel insurance quote facility displays the travel insurance that satisfy Panama visa consulate requirements.

Once you complete buying the Panama visa travel insurance online, you can download the required Panama visa letter which you can submit while applying for the Schengen visa.

04. How much is Panama visa insurance? What is the cost of Panama visa insurance for travel to Panama?

The cost for the Panama visa travel insurance varies depending on the age of the traveler and the duration of coverage required. The older the traveler the higher is the cost. The longer the duration of Panama travel insurance required, the greater will be the cost.

Our Panama visa insurance application quote facility lists the travel insurance that satisfy Panama visa consulate requirements.

05. Who needs the Panama visa?

Anyone traveling to Panama from any of the list of 'Schengen visa required countries' needs the Schengen visa (Panama is included in the Schengen visa). For travelers from any of the 'Schengen visa exempted countries', who want to stay in Panama for more than 90 days also need to get the Long stay in Europe visa.

06. How to apply for a Panama visa?

One should apply for the Schengen visa in the consulate of the Schengen state that you are traveling to. The traveller should complete the required Schengen visa application, along with other required documents, such as the travel itinerary, proof of adequate financial means and Schengen visa insurance letter.

Please refer to the Schengen state consulate that you are visiting for the complete information regarding applying for the Schengen visa.

07. Why American visitor insurance?

American Visitor Insurance works with reputed US travel insurance providers to give US and international travelers a wide range of travel insurance options. We have two decades experience in understanding the diverse needs of US citizens and international travelers and in offering appropriate travel insurance options to them.

Our typical customers range from US citizens on vacation, international travelers visiting the US, international students, J visa holders, H1b Visa holders, US travelers going overseas, travelers to Schengen countries needing travel insurance for visa requirements, trip cancellation customers to insurance their trip expenses, travelers looking for Covid19 travel insurance with quarantine coverage as mandated by certain countries, corporate professionals and business travelers who travel internationally regularly as well as other diverse traveling groups with unique needs.

Our licensed customer support team provide service at all times helping travelers find the most appropriate travel insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency. We also provide answers to all international travel insurance questions, reviews of different products, testimonials for customers as well as provide an user friendly travel insurance comparison tool where travelers can compare different products based on price as well as the coverage benefits. All of these tools help travelers make an informed decision while buying travel insurance.

08. What should I do if I test positive while I am away from the US? Am I covered for Covid19?

If you're tested positive while you are on your trip and need medical care, your travel insurance policy will provide you with the coverage for Covid19 medical expenses and quarantine expenses if you have included Coronavirus cover in the policy. American visitor insurance has some of the best affordable Covid19 plans for your travel. Email us or feel free to give us a call for more clarifications.

09. While I am away from the US, if I contract coronavirus and need to extend my stay can I extend my travel insurance cover?

At American visitor insurance you can find travel insurance policies that allow you to extend the travel insurance dates if you have tested positive and require staying longer than you estimated due to covid19.

10. Can I extend the trip protection plan?

Yes, the trip protection plan will automatically get extended till the time you are quarantined and you have returned to the destination country. However you need to inform the insurance provider of the changes at the earliest.

11. Can I extend my travel medical insurance?

Yes you can extend the travel medical insurance for an additional cost. Contact the insurance provider to do so.

12. Is there any Trip protection cover for Covid19 expenses in a travel insurance plan?

Yes, there are trip protection benefits included in the travel insurance plans for covid19 expenses that you may have to include while purchasing the policy. This cover will cover you for a trip delay due to Covid19 and expenses incurred due to the delay. You should contact the insurance provider for more clarity regarding this coverage.

13. Is there a plan that provides quarantine benefits/lodging in case I come in contact with someone who is Covid positive?

Safe Travels Explorer plan is one of the plans that provides quarantine benefits for $2000 due to Covid. There are other plans which have this benefit namely Safe Travels Explorer Plus , Safe Travels Voyager ... All of these provide lodging benefits up to $2000.

14. In case I miss my flight due to forced quarantine, will the insurance cover for the flight expense?

There are trip insurance plans that specifically cover trip cancellation due to covered trip delay. Some of the trip plans and their eligibility are here:

• Safe Travels Voyager : US citizens and US residents are eligible while traveling out
• Safe Travels Explorer : US citizens and US residents are eligible while traveling out
• Safe Travels Explorer Plus : US citizens and US residents are eligible while traveling out

  Panama - General Information

Popular tourist destinations in panama.

Panama City

Panama City, capital of the Republic of Panama. It is located in the east-central part of the country near the Pacific Ocean terminus of the Panama Canal, on the Gulf of Panama.

San Blas Islands

The islands in Guna Yala are also known as the San Blas Islands, which are considered a top destination in Panamá due to their well-protected natural beauty, as stewarded by the native Guna people.

Anton Valley

El Valle de Anton is a town in central Panama. It's in the crater of an extinct volcano, surrounded by mountains and cloud forest.

Gatun Lake is a freshwater artificial lake to the south of Colón, Panama. At approximately 26 m above sea level, it forms a major part of the Panama Canal, carrying ships 33 km of their transit across the Isthmus of Panama.

Travel insurance for Panama, Panama healthcare for tourists

Travel insurance for panama faq.

FAQs about travel insurance for Panama travelers.

Panama Travel Insurance Blog

Blog about travel health insurance Panama travelers.

Travel Insurance to Panama Forum

Customer Queries for USA travelers to Panama travelers.

Confused whether to buy trip, travel or global health insurance? Understand the differences

Travel insurance for Panama visiting USA

Factors that determine the cost of us travel insurance plans, age of the traveler.

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of travel insurance

Comprehensive travel insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

Medical maximum coverage and deductible options

The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

Duration of travel insurance

The cost of travel insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits to the basic travel insurance plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Steps to buy US visitor travel insurance online

  1: finding the best health insurance for foreigners.

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

  2: Compare the different travel insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

  3: Buy the US travel health insurance that you like best

Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.

  4: Review insurance plan documents received by email

Review the international travel health insurance policy for coverage details and relevant contact numbers

Resourceful tourist insurance USA information

Find the best travel insurance, how does travel insurance work, how to buy travel insurance, travel insurance glossary, travel insurance for specific groups, compare travel insurance plans, usa visa health insurance, visitor visa health insurance usa.

USA B1 visa health Insurance, B1 visa travel insurance for tourists.

B2 visa health insurance for tourists, B2 visa tourist insurance for USA.

F2 visa medical insurance for F1 visa dependents, F2 visa health insurance.

F1 visa student health insurance, International student insurance in USA.

J1 visa insurance for exchange scholars, J1 visa medical insurance.

Health insurance for green card holders, Green card health insurance.

Fiancée health insurance, K1 visa health insurance for fiancé on K1 visa.

H1B visa health insurance, Travel health insurance for H1B visa holders.

Travel insurance for tourists in USA, tourist insurance USA.

H4 visa health insurance, Health insurance H4 visa holders.

Single Trip Travel Insurance

Compare and Buy Best US Single trip travel Insurance for travel within the US and overseas

Single Trip vs MultiTrip Travel Insurance

Compare Single trip vs multi trip insurance plans offered by US insurers.

US Travel medical insurance for travelers from Panama

Travel insurance for international travelers

Senior citizens.

Senior citizens travel insurance from Panama to USA.

Pre-existing Coverage

Travel health insurance coverage for Panama travelers to USA with Pre-existing conditions.

Student insurance

Panama students studying in the US or US students in Panama.

Nanny insurance

Nannies or baby sitters visiting foreign countries.

Best travel insurance for USA from Panama - Information

Travel insurance USA resources

International travel insurance resources for USA visa holders.

Factors for travel insurance USA online

Important factors while deciding on the best travel insurance to USA.

Types of USA travel insurance online

Understanding different types of USA visa travel insurance options.

USA travel insurance Claims Procedure

Travel insurance claims process for getting medical care in a hospital.

Health insurance for Panamanians students studying abroad

Different types of us visitors travel insurance.

Fixed Benefit vs Comprehensive plans

Fixed benefit travel insurance.

A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit visitor insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit visitor insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.

Find the best US visitor insurance coverage - Blogs and Articles

Affordable travel insurance online.

Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.

Best international travel insurance

International travel insurance plans covering pre-existing conditions which many older travelers look for.

Compare US travel insurance online

Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.

Advantages of buying travel insurance online

Compare and buy the best travel medical insurance plans online.

Buy cheap travel insurance

There are many cheap international insurance plans also known as visitor insurance plans.

Coinsurance & Deductible - How visitor travel insurance works.

Best International travel insurance Cost

Travel insurance - pre-existing conditions coverage, international travel insurance resources, us visitors insurance providers.

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

More tourist medical insurance usa categories

Compare Visitors insurance USA

USA New immigrant Insurance

US visa health insurance

Senior Citizen travel insurance

Pre-existing visitors insurance

J1 Visa health insurance

International student Insurance

Green Card medical insurance

International Medical Insurance

Cruises Travel Insurance

•  Call: (877)-340-7910
•  Contact
•  Email

• Skip to primary navigation
• Skip to main content
• Skip to primary sidebar
• Skip to footer

• Best Global Medical Insurance Companies
• Student Insurance
• Overseas Health Insurance
• Insurance for American Expats Abroad
• Canadian Expats – Insurance and Overseas Health
• Health Insurance for UK Citizens Living Abroad
• Expat Insurance for Japanese Abroad
• Expat Insurance for Germans Living Abroad
• Travel Medical Insurance Plans
• Annual Travel Insurance
• Visitors Insurance
• Top 10 Travel Insurance Companies
• Evacuation Insurance Plans
• Trip Cancellation Insurance
• International Life Insurance
• Corporate and Employee Groups
• Group Global Medical Insurance
• Group Travel Insurance
• Group Life Insurance
• Foreign General Liability for Organizations
• Missionary Groups
• School & Student Groups
• Volunteer Programs and Non-Profits
• Bupa Global Health Insurance
• Cigna Close Care
• Cigna Global Health Insurance
• Cigna Healthguard
• Xplorer Health Insurance Plan
• Navigator Student Health Insurance
• Voyager Travel Medical Plan
• Trekker Annual Multi-Trip Travel Insurance
• Global Medical Insurance Plan
• Patriot Travel Insurance
• Global Prima Medical Insurance
• Student Health Advantage
• Patriot Exchange – Insurance for Students
• SimpleCare Health Plan
• WorldCare Health Plan
• Seven Corners Travel Insurance
• SafeTreker Travel Insurance Plan
• Unisure International Insurance
• William Russell Life Insurance
• William Russell Health Insurance
• Atlas Travel Insurance

StudentSecure Insurance

• Compare Global Health Insurance Plans
• Compare Travel Insurance Plans
• Health Insurance in the USA
• Health Insurance in Mexico
• Health Insurance in Canada
• Health Insurance in Argentina
• Health Insurance in Colombia for Foreigners
• Health Insurance in Chile
• UK Health Insurance Plans for Foreigners
• Health Insurance in Germany
• French Health Insurance
• Italian Health Insurance
• Health Insurance in Sweden for Foreigners
• Portuguese Health Insurance
• Health Insurance in Spain for Foreigners
• Health Insurance in China
• Health Insurance in Japan
• Health Insurance in Dubai
• Health Insurance in India
• Thailand Health Insurance
• Malaysian Health Insurance for Foreigners
• Health Insurance in Singapore for Foreigners
• Australian Health Insurance for Foreigners
• Health Insurance in New Zealand
• South Africa Health Insurance for Foreigners
• USA Travel Insurance
• Australia Travel Insurance
• Mexico Travel Insurance
• News, Global Health Advice, and Travel Tips
• Insurance Articles
• Travel Advice and Tips
• Best Travel Insurance for Seniors
• Best Hospitals in the United States
• Best International Hospitals in the UK
• Best Hospitals in Mexico

Or call for a quote: 877-758-4881 +44 (20) 35450909

International Citizens Insurance

Medical, Life and Travel Plans!

U.S. 877-758-4881 - Intl. +44 (20) 35450909

Health Insurance in Panama for Foreigners

The best health insurance for expats in panama.

If you’re considering a move to Panama, one of the many things to think about is health insurance. Panama has a decent public healthcare system, which ranks 95th out of 191 countries in the world. It’s also extremely affordable. However, it has some major drawbacks for foreigners, who are often better off visiting Panama’s excellent private hospitals for care. These services are significantly more expensive, though still cheaper than healthcare in the United States. For this reason among others, we recommend foreigners use health insurance in Panama .

Panamanian Medical Insurance Options for Foreigners

Panama’s state health insurance program, through CSS, is available to foreigners if they pay into the program and have the right visa. This is basically government-run insurance, which you can be covered by if you have a work permit in Panama. MINSA’s public clinics are available to all, and you can pay as you go. A visit to a general practitioner may cost as little as USD$10, while a specialist may run closer to USD $50-$75. These clinics can be important to expats who choose to live in rural areas, where private hospitals are practically nonexistent.

Some local health insurance is available in Panama, in the form of local hospital coverage or HMOs. These programs allow you to pay a monthly or annual fee, either to have 70% of your expenses covered, or to receive discounts on your out-of-pocket care. You can also purchase plans once you are in the country. These plans tend to be gambles, however, if you have any pre-existing conditions or aren’t generally in good health. If you do go the local route, go directly to the insurance company rather than through a local broker, as brokers frequently charge exorbitant fees.

The best option for expats is international health insurance, purchased before you depart. With an international health insurance plan, you won’t have to worry about language barriers, excessive government paperwork or massive fees from local providers. You can design and select a plan that works especially for your needs, and that gets you the same quality of care you are used to. Since private hospitals in Panama are high quality and have many English-speaking healthcare workers, you’ll find your transition to care in Panama nearly seamless.

The Cost of Health Insurance in Panama for Foreigners

If you are traveling to Panama on a work permit and will be paying into the CSS, your employer will be required to enroll you in CSS — Panama’s national health insurance and retirement plan. Again, being covered by the public system is good and the public medical facilities are adequate, but you may experience long wait times for non-emergency care and a lack of the privacy and amenities you’re used to.

Panama Government Sponsored Health Insurance

The two largest private insurers in Panama are MAPFRE and Family Medical. Costs for coverage run from around $50/month to $125/month, depending on your age. These kinds of plans could work for you if you just want to keep insurance for potential emergencies and are in general good health. But you can’t count on good health forever, and local policies will only cover you in Panama, not in your home country or any third country you visit. Most local options don’t cover pre-existing conditions, make you wait years for outpatient surgery, and have a low maximum coverage.

Cost of Global Medical Plans for Expats in Panama

For more robust coverage, international health insurance is your best bet. The cost varies depending on your needs and how flexible you need the plan to be, but the average range for a global health insurance plan in Panama is USD$2,800-$5,700 per year. Such plans will cover you in Panama, in your home country, and in any other country you visit. You’ll have access to top-flight private hospitals with English-speaking doctors and affiliations with U.S. institutions like Johns Hopkins and the Cleveland Clinic. You’ll be able to choose a plan that suits your particular age, conditions and needs. And you won’t experience any gap in coverage if you purchase a plan before you leave your home country.

Can an American Get Health Insurance in Panama?

US citizens living in Panama can purchase the GeoBlue Xplorer plan which offers comprehensive worldwide coverage. It also provides access to the Blue Cross / Blue Shield network of doctors and hospitals in the USA. The GeoBlue Xplorer plan offers excellent customer service, up to 9 months of coverage in the USA, and fast claims processing, so you can rest assured you will be well taken care of.

Xplorer Worldwide Medical Plan

• Premium Benefits, Coverage and Service
• Define your deductible and prescription benefits
• For Foreigners in the US or US citizens abroad

Best Panama Health Insurance for Non-Residents

If you’re traveling to Panama from another country outside the United States, we recommend Cigna Global Health Insurance . Cigna provides international health insurance to nearly every country in the world, and lets you customize your plan to suit your needs.

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Fill out an online quote form to get recommendations for your best plan, free of charge.

Plans for Students at Panamanian Colleges and Universities

International students enrolled in colleges and universities or studying abroad in Panama need a quality plan at an affordable price. The following plans are designed specifically for international students. Most of the benefits on both plans are the same but one has more comprehensive coverage than the other in some areas (i.e. mental health). Similarly, one of them offers less comprehensive coverage in other areas (i.e. medical limits) to keep its cost lower.

Here are a couple of good private health insurance plans in Panama for international students.

GeoBlue Student Medical Coverage

• Worldwide medical coverage built for students and faculty in the U.S. and abroad.
• Select from a range of deductibles and rates.
• Choose providers either in or out of our elite network.

• Provides Medical, Dental, Evacuation and other Benefits
• Keep your coverage when your studies last multiple years
• Medical providers are available in over 130 countries worldwide

Travel Health Insurance for Short-Term Visitors to Panama

If you are traveling to Panama for a short stay, such as a vacation or a work trip that’s less than a month long, consider travel insurance . While expatriate insurance can serve as complete coverage while you are living in a foreign country, travel insurance fills in the gaps of your home coverage, so you can travel with peace of mind. Travel insurance can provide a network of covered medical providers in case you have an emergency while traveling in Panama. It can also cover unexpected travel interruptions or cancellations, so you can recoup costs if something goes wrong.

Panama is a beautiful and varied country, but it carries some dangers that your home country might not, like hurricanes, earthquakes, mosquito-borne illnesses and trafficking-related crime. For more information on keeping yourself safe in Panama, see our page on Safety Advice and Travel Insurance for Panama .

Group Medical Insurance in Panama for International Employees

For international employers with employees in Panama, providing them with a quality benefits package including insurance is vital to their peace of mind and wellbeing. A group health insurance plan for Panama employees should be a top priority. Panamanian employees will have access to their local health plan in the province where they are living. International employees in Panama may need, or want, a global health plan which will provide them with coverage worldwide, including in their country of citizenship. If you have two or more international employees living in Panama, a group international health plan is a great option. You will have the option of designing a plan to meet their needs and your budget. Our team of licensed agents is available to help you determine the coverage and benefits required to protect your most valuable assets, your employees, while they are outside of their home country.

Global Benefits for Organizations

• Offering group plans for international health, life and travel
• Request a quote from the leading insurers around the globe
• A licensed agent will provide quotes and expert advice

Global Medical Care in Panama

Panama’s health system has three parts. First, the government funds state healthcare through the Caja de Seguro Social (CSS) for its citizens who pay into it through payroll. For those who aren’t covered by CSS, the Ministerio de Salud (MINSA) provides low-cost clinics throughout the country. Finally, there are excellent private sector hospitals, some of which are affiliated with respected medical institutions in the United States.

Expats are likely to access care in all of these tiers at one point or another. If you’re living in a rural area, private facilities are simply not available. But for the most part, you’ll find care in the private system faster, more comfortable and of higher quality. For more details on how Panama’s healthcare system works, see our page below.

Also Read: The Panama Healthcare System

How to Find a Family Physician or GP in Panama

If you or someone in your family needs non-emergency care, the best place to start is with one of the private hospitals in the capital . Securing an appointment generally involves filling out a pre-admission form , which includes fields for your insurance information. The top hospital in Panama (and in all Latin America) is Pacifica Salud Hospital Punta Pacifica. It’s also the only Panama hospital with a website that’s available in English.

When you request an appointment, you should also talk to your insurance company to request pre-authorization. Otherwise, the hospital will likely ask you to pay in advance for your scheduled care.

For a closer look at the overall healthcare system in Panama and how to obtain care, see our Panama Healthcare System page .

How to Get Hospital Care in Panama

The process for obtaining inpatient care in Panama is similar to that for finding a doctor — go to the hospital website and fill out the form, then contact your insurance to request pre-authorization.

Private hospitals in Panama will usually ask that you pay out of pocket for your care, then submit the bills to your insurance company for reimbursement. For this reason it’s especially important to get pre-authorization to make sure you will be covered.

Hospitals in Panama Accepting Immigrants and Expatriates

Below you can find the best hospitals in Panama. The four listed are considered first-class hospitals, most of which have affiliations to medical centers in the United States. They are all in the capital and offer their patients state-of-the-art facilities and high-quality care. Keep in mind that while most hospital websites are not available in English, doctors in the country tend to be bilingual.

Pacifica Salud Hospital Punta Pacífica Boulevard Pacífica y Vía Punta Darién, Panama City, Panama Phone: (507) 204-8000 Email: [email protected]

Considered the most technically-advanced hospital in Latin America, Hospital Punta Pacifica is a private hospital affiliated with the renowned Johns Hopkins Medicine in Baltimore, Maryland. The hospital has been JCI-accredited since 2011.

Clinica Hospital San Fernando Vía España, Panama City, Panama Phone: (507) 305-6300

Founded in 1949, Clinica Hospital San Fernando was the first hospital in Panama to receive JCI accreditation in August 2011. The hospital is affiliated with multiple U.S. hospitals, including Tulane Medical Center , Baptist Health South Florida and three additional children’s hospitals.

Hospital Paitilla (Centro Medico Paitilla) Calle 53 Este, Panama City, Panama Phone: (507) 265-8800 Whatsapp: (507) 6283-6321

Formally known as Centro Medico Paitilla, the center rebranded in 2019 as Hospital Paitilla after joining forces with the Hospiten Group , an international health network. The hospital boasts a team of prestigious professionals and is affiliated with the Cleveland Clinic.

Hospital Nacional Avenida Cuba, entre calle 38 y 39, Panama City, Panama Phone: (507) 306-3300 Email: [email protected]

While best known for its gynecology, obstetrics, and pediatric services, Hospital Nacional also offers elective and emergency surgeries in all specialties.

For more information, visit our article: Healthcare System in Panama .

Related Articles:

• Travel Insurance for Visitors to Panama
• The Best Places to Retire in the World

Get a fast, free, international insurance quote.

Global medical plans, specialty coverage, company info, customer service.

Panama Travel Guide

Looking for an in-depth Panama travel guide ?

Then you’re in the right place!

Located in Central America, the country of Panama has grown into an exciting travel destination in recent years.

Offering both big-city glitz and rugged adventures, Panama is one of the most exciting Central American countries for travelers. There’s so much to explore in this jewel of Latin America.

To get a feel for both the history of Panama and its modern culture, head to Panama City.

This city has been dubbed the “Dubai of Latin America” for a reason:

The skyscrapers and beachside luxury hotels are reminiscent of the infamous Middle Eastern destination.

There’s also the UNESCO World Heritage Site of Panama Viejo, where you can explore the ruins of the first European settlement on the Pacific Ocean.

And don’t forget to check out the Panama Canal, considered one of the Seven Wonders of the Modern World.

Panama is also a great destination for ecotourism with its many beautiful beaches, rainforests, and volcanoes. Here you can find unspoiled beaches like Santa Catalina and incredible hiking destinations like Boquete .

You’ll also definitely want to check out Bocas Town , a colorful beachside town that’s a whole world away.

Keep reading to dive into resources that will help you with planning a trip to Panama. If you’re traveling to Central America , you won’t want to miss this incredible destination!

Note: This ultimate guide to Panama travel contains affiliate links to trusted partners!

Use this Panama travel map to begin planning your trip to this incredible country!

Click here for an interactive Google Map version of the above graphic.

Things To Do In Panama

Discover the best places to visit in Panama & the top experiences to have!

Hiking In Panama: The Best Trails In Boquete

How To Plan An Unforgettable Panama Itinerary (Experiences Included!)

Here Is What It’s Like To Live With An Indigenous Tribe In Panama

Panama Travel Advice

Use these Panama travel tips to plan the perfect trip!

Best Places To Stay In Bocas del Toro For Sustainable Travelers

Top Panama Tours

Explore Panama tourism & culture with a local through these recommended excursions:

• Taste of Panama City: Walking Tour with Food and Drinks in Casco Viejo
• Panama Canal Full Transit Tour from Panama City
• Embera Village Day Trip from Panama City
• Authentic Day Tour in Indigenous Guna Village in San Blas Islands from Panama City
• Hiking, Waterfall & Zipline Adventure in El Valle de Anton from Panama City (El Chorro Macho waterfall included!)

Renting A Car In Panama

Need a rental car for your Panama trip?

Use Discover Cars to quickly compare your car rental options.

Panama Hotels

Click here to browse hotels in Panama!

Prefer self-contained stays? 

Click here to check out unique local rentals!

You can also use this map to search for local stays:

Panama Travel Insurance

It doesn’t matter if you’re traveling solo or with a group on a Panama tour. When visiting Panama — or any other country in the world — make sure to get travel insurance to protect your health and safety.

In my opinion, the best travel medical insurance for travelers is SafetyWing as they’ve got a large network and offer both short-term and long-term coverage — including coverage if you’re traveling for months as well as limited coverage in your home country).

Additionally, SafetyWing is budget-friendly and offers $250,000 worth of coverage with just one low overall deductible of $250.

With coverage, you’ll have peace of mind as you embark on your Panama itinerary.

Click my referral link here to price out travel insurance for your trip in just a few clicks .

Panama Travel Guide FAQ

Below, find answers to frequently asked questions about traveling Panama .

Q: What are some good tourist sites in Panama?

Panama’s top attraction is, of course, the famous Panama Canal. Located between Panama City and Colon, this modern engineering marvel connects the Atlantic Ocean to the Pacific Ocean.

It’s definitely worth taking some time to watch the ships pass through the canal if you’re visiting either city. Even if you’re not into engineering, you won’t want to miss this incredible sight.

If you’re a hiker or nature lover, you’ll definitely want to check out Boquete , a small village on Panama’s Pacific side. Boquete is truly home to some of the best hiking trails in the world !

Here, you can experience “The Land of Eternal Springtime,” where flowers are constantly in bloom and the temperatures stay around 70 degrees Fahrenheit year-round.

There are tons of trails in the area that will take you through rainforests and up close with volcanoes. You can also explore the area via zipline or raft!

And you’ll definitely want to get some beach time in while visiting Panama!

One place to do this is Bocas del Toro , a collection of islands off Panama’s northeastern coast. If just chilling on the beach sounds a little too boring, the islands are also perfect for diving, surfing, and so much more.

Q: Is Panama dangerous for tourists?

While there are risks involved in any trip to Panama, it’s very possible to safely travel through the country.

Crime rates are very high in Panama, particularly in cities like Panama City and Colon. Both violent crime and theft are common, so always be aware of your surroundings and avoid going out alone at night in these areas. Keep any valuables close and hidden away, particularly in markets.

Also, be sure to only use licensed taxis throughout the country.

Drug trafficking is common in Panama and local authorities take this issue very seriously. You can get arrested for having even a small amount of drugs on you or for traveling with someone in possession of drugs. Keep this in mind as you travel throughout the country.

Also, avoid the Darien Gap area near the Panamanian-Colombian border, the epicenter of the drug trafficking business in Panama. The amount of criminal activity in the area makes it incredibly dangerous, particularly for travelers.

Q: What do I need to know before traveling to Panama?

While not required, travelers visiting Colon and areas east of the Panama Canal may want to get a Yellow Fever vaccine, as the disease is prevalent in these areas.

If you’re traveling from, or recently traveled to, a country with a high prevalence of Yellow Fever, you may need to provide proof of vaccination before entering the country.

Typhoid vaccines are also recommended if you are visiting smaller cities and more rural areas. Check with your country’s health department for full vaccine recommendations.

While Panama is fairly inexpensive for travelers compared to other parts of the world, it is one of the more expensive countries in Central and South America. You’ll be able to get some great deals while you’re in the country, but you may need to budget a bit more than you would for, say, Honduras , Guatemala , or Nicaragua .

English is also not widely spoken in Panama, so it’s a good idea to learn a few Spanish words and phrases before you go in order to communicate with the locals. Luckily, Spanish is typically one of the easiest languages to learn for English speakers .

Q: Is it safe to travel in Panama City?

Panama City has grown into a bustling metropolis and is generally pretty safe for travelers. That said, crime rates are still high in the city, so it’s important to keep your guard up and any valuables out of sight to avoid pickpockets .

The parts of the city that are most popular with tourists are also popular with pickpockets, so use common sense and stay vigilant when out sightseeing.

Finaly, try to avoid neighborhoods that are known to be dangerous, like El Chorillo, Santa Ana, and San Miguel.

Q: Do I need a Panama travel visa?

Citizens of the United States, the United Kingdom, Canada, and several other countries do not need a visa to visit Panama for less than six months. Citizens of other countries may require a visa to enter the country, but visa waivers are available in some cases.

It’s recommended to view your country’s Panama International Travel Information page for the most up-to-date information on entry and exit requirements. You can also contact the Embassy of Panama.

Q: How many days should I spend in Panama City?

There are so many things to do in Panama , especially in Panama City. At the very least, you’ll want to allow three days to visit the Panama Canal (including the Miraflores Visitor Center), wander Casco Viejo, explore the ruins of Panamá Viejo (a UNESCO World Heritage Site), enjoy nature through Metropolitan Natural Park and Ancon Hill, and wander the various neighborhoods.

Remember, too, that there are numerous day trips and weekend trips to enjoy from Panama City, like the San Blas Islands, Monkey Island, Chagres National Park, the Pearl Islands, and Taboga Island.

You’ll really want to allot extra time for these local getaways.

Q: Are credit cards accepted in Panama?

Major credit cards are accepted around Panama — particularly Visa and MasterCard — though it’s recommended to carry cash for smaller establishments.

Additionally, you’ll want cash when visiting remote parts of the country.

Q: What is the best time to visit Panama?

While Panama is a year-round destination, most tourists like to avoid the rainy season and instead visit during the dry season between January and mid-April.

Q: What months are summer in Panama?

Summer in Panama runs from about December to April.

Q: Can you drink tap water in Panama?

You can drink tap water in many places in Panama, though not Bocas del Toro or the Comarca de Guna Yala.

On my trip, I drank the tap water in Boquete, El Valle de Anton , and Panama City and thought it was very tasty.

Q: What is the hottest month in Panama?

The warmest month in Panama is typically April.

Q: What is the local currency in Panama?

The local currency in Panama is the Panamanian balboa.

What would you add to this Panama travel guide?

Pin for later: Panama Travel Guide

18 things to know before traveling to Panama

Dec 20, 2023 • 7 min read

We've got the lowdown on everything you need to know before visiting Panama © Westend61 / Getty Images

If you're looking for idyllic islands, rolling surf, untamed nature and showstopping wildlife,  Panama  is an ideal destination. It sits at the crossroads of the Americas, connecting two oceans, and beyond its cosmopolitan capital and legendary canal , Panama is a biodiversity hotspot. Did you also know it produces some of the world's  finest – and most expensive – coffee?

Here is the top things to know before you go to Panama.

1. Book ahead if you want to join a fiesta

Panamanians love to party, and barely a week goes by without a fiesta, from La Feria de las Flores y del Café in Boquete to the countrywide Carnaval, whose largest and loudest celebrations are in Las Tablas on the Península de Azuero .

There’s also Easter, Christmas and New Year’s. November’s numerous independence-related festivals see shops and offices closed and locals flocking to the beach. Hotel prices often double around public holidays and can be booked out weeks in advance.

2. Pack for the season: dry or wet

The country’s tropical climate means two seasons – hot and dry from December to April and hot and wet the rest of the year. Although the amount of rain depends on what coast you’re on, downpours usually come in short, sharp afternoon bursts before the sun forces you to put your Panama hat back on.

Pack high-factor sunscreen and hot-weather clothes, but carry something for the icy air-conditioning and high altitudes. Pack sturdy boots if you’re planning any hardcore hikes.

3. Carry the right amount of currency

The Panamanian Balboa may be the country’s official currency, but the bills in use are US dollars. Prices are listed in $ or B/, but both currencies have the same value.

Carry small bills for tipping, markets and rural areas, and enough cash in case the ATM doesn’t work (or there are no ATMs at all like in the Archipiélago de San Blas of the Comarca de Guna Yala ). 

4. You can’t reach Colombia by road

If you’re thinking of road-tripping south to Colombia , think again. The infamous Darién Gap – the land link between Central and South America – is a mash-up of impenetrable jungle, primordial swamps, poisonous snakes and dubious characters, and there’s no road crossing.  

But if you plan to head north to Costa Rica and beyond, several long-distance bus lines, such as Tica Bus, cover Central America.

5. Know a few keys phrases (and what not to say)

English is widely spoken, especially in Panama City and Boquete, but mastering a few basic Spanish phrases will endear you to the locals and help if you travel away from the tourist hotspots.

Panama may be laid back, but it’s important to be polite. Always greet people – buenas is a catch-all term for hello – and don’t forget to say please ( por favor ) and thank you ( gracias ). Listen out for one-of-a-kind Panamanian phrases, such as que sopa? (what’s up?), buco (a lot), and pinta fria (cold beer).

It's best to avoid subjects involving politics, religion, the Panama Canal and the Panama Papers out of respect to Panamanian residents.   

6. Learn to be more tranquil

Panama moves at a relaxed pace, including in the city, so don’t expect lightning-fast responses to requests. As in most of Central America, punctuality is a loose concept, and service in restaurants can be leisurely – meals are meant to be enjoyed and can stretch over several hours – so it's wise to adjust to the gentle flow of life here. Slow down and relax when you arrive in Panama.

7. The capital has its own dress code

Panamanians dress casually as a rule but tend to be a bit formal in the capital. You don’t have to wear suits or high heels, but the faded T-shirts, short shorts and flip-flops that were fine in Bocas del Toro will look out of place in the city. Also: shirtless men are an absolute no-no.

8. Confirm the fare before taking a cab

Panama’s yellow licensed taxis can be a wallet-friendly way to get around but don’t forget to negotiate a fare before you set off. Taxis aren’t metered, official rates are usually ignored, and tourists are typically overcharged. Ask a local for an idea of a taxi fare cost in advance.

Uber and Lyft are also available in Panama City (although drivers are often willing to go cross-country), along with UberEnglish for non-Spanish speakers and UberAssist for people with mobility issues. 

9. When should you tip, and how much?

Tips aren’t compulsory, but they are welcome. In pricier restaurants, if it’s not already been added onto your bill, leave a 10% gratuity. Taxi drivers don’t expect a tip, but you can round up a fare, and if someone helps you with your luggage, give them around $1 to $2.

10. Respect smoke-free zones

Smoking is prohibited in all indoor public spaces, hotel rooms, workplaces, public transport, outdoor dining spaces and sports venues. You can face a fine if you’re caught smoking in a non-designated area. The same goes for vaping. It’s illegal to import and sell e-cigarettes.

11. Bring repellent to avoid mosquito bites 

Not only are mosquito bites itchy, but they can also spread diseases such as dengue fever, so use a heavyweight bug spray, especially if you’re heading to the jungle.

12. Can I drink the water?

With a combo of heat and humidity, it’s important to keep hydrated, particularly if you plan to get active. Tap water is normally safe to drink, especially in cities, but if you’re going off the beaten track, avoid plastic pollution and invest in a water-filter bottle, which you can fill up from any water source.

13. Stay safe in the city

Panama is one of the safest countries in Central America, but it always pays to take a few precautions. Pickpocketing is common in crowded areas of Panama City, including bus stations, markets and shopping areas, so keep your valuables safe.

As in any big city, steer clear of poorly lit streets or wandering around new neighborhoods alone after dark. Avoid carrying all your credit cards at once – or wads of cash – and if you need an ATM, try to use one inside a bank during the day.

Report a crime by dialing 511 9260 (the Tourist Police in Panama City) or 104 (National Police), and keep the number of your embassy handy.

14. In case of a medical emergency

If you need emergency medical assistance, dial 911 for an ambulance. Panama City has good hospitals and clinics, but facilities are more limited outside the capital.

Make sure you have adequate travel insurance and read the fine print before you depart.

15. Keep an eye on the weather  

Before you take the plunge on Panama’s two coastlines, check for strong currents or riptides. Inland, heavy rains can cause flash flooding and landslides – October and November are usually the wettest months – so check the weather forecast and follow local advice before hitting the hiking trails, especially if you're going without a local guide.

16. Be wary when interacting with wildlife

While the risk is low, keep your eye out for venomous snakes, such as the fearsome fer-de-lance, while trekking along jungle trails, and avoid swimming in rivers unless you know they’re crocodile-free.

17. Always carry a copy of your ID

Foreign visitors are asked to carry their passports at all times, and the police sometimes check, but it’s safer to carry a photocopy or photo of the opening pages and entry stamp and leave the real thing somewhere secure.

18. Steer clear of drugs

Panama takes its drug laws very seriously. Getting caught with a small amount of illegal drugs, or even being with someone who is using drugs or has them in their possession, is grounds for arrest and can lead to a heavy fine or a harsh prison sentence.

This article was first published May 2022 and updated December 2023

Explore related stories

Tips & Advice

Mar 12, 2024 • 21 min read

Next stop, Costa Rica! An expert's guide on maximizing your points & miles for the ultimate Costa Rica getaway in 2024.

Mar 10, 2024 • 8 min read

Mar 2, 2024 • 8 min read

Mar 1, 2024 • 9 min read

Feb 29, 2024 • 9 min read

Feb 11, 2024 • 9 min read

Feb 1, 2024 • 7 min read

Jan 31, 2024 • 6 min read

Jan 30, 2024 • 9 min read

Jan 11, 2024 • 4 min read

• TheRealDealTours.com
• TheCostaRicaTourSite.com
• ThePanamaTourSite.com
• Panama Gallery
• Costa Rica Videos
• Panama Videos
• Panama Travels

Free Medical Insurance for Tourists in Panama | Panama Travel

“Seguro al Turista”: Free Medical Insurance for Tourists in Panama

When traveling abroad, one of the things people worry about is having a medical emergency.  Many choose to purchase international medical coverage, but it can end up being quite costly.  Panama is raising the bar with a new policy: Free Medical Insurance for Tourists in Panama!  That’s right; visitors get free medical insurance coverage in Panama during the first 30 days of their stay.  Talk about incentive to choose Panama for your next vacation destination!

For more information on this Panama tourist insurance and a list of clinics and medical facilities to go to in case of an emergency, you can visit the visitpanama.com link above.  Don’t forget to review the limitations and exclusions, i.e. accidents from extreme sports are not covered in case you happen to break a leg while intentionally jumping off a cliff!

Keep it safe and enjoy Panama.  There’s so much to do and see in Panama and now you can feel free to explore it all secure that in case of a mishap, Panama has got your back with the Free Medical Insurance for Tourists!

I am age 89 and I am a resident of Canada. Can I get free medical insurance at the Tocumen International airport when I arrive?

LEAVE A REPLY Cancel reply

Save my name, email, and website in this browser for the next time I comment.

Notify me of followup comments via e-mail. You can also subscribe without commenting.

• About Chubb
• Contact Chubb
• Insurance FAQs

By purchasing Chubb Travel Travel Insurance you will be accumulating 1 mile for every dollar.

Why buy our coverages?

Take a look at the full benefits of buying the policy

What do we cover?

Check your coverages and benefits

Require Assistance

Need Our Help?

You may contact us by other channels

Insurance company.

Chubb Seguros Panamá S.A. Business Park, Torre V, 14th floor La Rotonda East Coast, Panamá T: 507-205-0400

For general information

Need Our Help, contact us: + 1 (305) 721-3850. WhatsApp + 54 (911) 2529-2661, Email: [email protected]

Our offices in Latin America

Check out our offices and products available in our region.

Chubb. Insured.™

• Privacy Notice
• Privacy Policy

This product is provided by companies affiliated or associated with the Chubb Group of Companies and Copa Airlines is duly authorized for marketing. Copa and Chubb only provide general advice and not consider your objectives, financial situation or needs, please consider to acquire the product if is suitable for you, is necesary to read the contents of the General Terms and Conditions. Note that you must be 18 years or older to buy travel insurance, however you can purchase on behalf of dependent children. Please read the Terms and Conditions. Companies associated or affiliated Chubb Group of Companies providing travel insurance are the only locally responsible for resolving any related or derivative Travel Insurance case and compliance with the commitments assumed under the terms and conditions of the policy issued per passenger. Copa Airlines is not acting as a representative or agent of the companies affiliated or associated with Chubb Group of Companies, not have or undertake any obligation about the policy issued to the passenger only provide the insurance offer like an option to the passengers, Copa is not or will not be liable for any claim or any related or derivative of Travel Insurance, or the failure of the affiliates or associates the Chubb Group of Companies subject to provide travel insurance locally of it´s obligations under the relevant policy. Affiliated companies or associated Chubb Group of Companies providing travel insurance is locally responsible for compliance with local laws with reference to the marketing and sale of this program. Similarly are responsible for paying taxes on the transaction related.

Travel Insurance

Depending on the policy, travel insurance may be able to cover non-refundable travel expenses and medical emergencies.

For example, if your tour is less than one month away and you become ill and cannot attend the tour - you will not be eligible for a refund from Panama Relocation Tours. However, some travel insurance policies may reimburse you for the cost of your tour.

Example coverage available with some travel insurance policies includes:

• Trip cancellation or interruption due to sickness, accidental injury, or death of a traveler or non-traveling family member, weather delays, natural disaster, etc.
• Emergency medical services and / or evacuation
• Baggage loss

Some credit card companies include travel/trip insurance as a benefit of using the card. Check with your credit card company to see if they offer this benefit. 

You can shop for travel insurance on these sites:

• TravelInsurance.com - Compare and Buy Trip Insurance
• InsureMyTrip.com
• WorldTrips Travel Insurance
• Seven Corners

Still need help? Contact Us Contact Us

Related Articles

• Refund and Date Change Policy

Understanding What Travel Insurance Covers

Find a Qualified Financial Advisor

Finding a qualified financial advisor doesn't have to be hard. Datalign's free tool matches you with financial advisors in your area in as little as 3 minutes. All firms have been vetted by Datalign and all advisors are registered with the SEC. Get started with achieving your financial goals!

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Get Travel Insurance Quotes Online

Protect your trip with the best travel insurance . Compare travel insurance quotes from multiple providers with Squaremouth.

What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

What we know about the container ship that crashed into the Baltimore bridge

• The ship that crashed into the Francis Scott Key Bridge on Tuesday was the Singapore-flagged Dali.
• The container ship had been chartered by Maersk, the Danish shipping company. 
• Two people were recovered from the water but six remain missing, authorities said.

A container ship crashed into a major bridge in Baltimore early Tuesday, causing its collapse into the Patapsco River.

A livestream showed vehicles traveling on the Francis Scott Key Bridge just moments before the impact at 1:28 a.m. ET.

Baltimore first responders called the situation a "developing mass casualty event" and a "dire emergency," per The Associated Press.

James Wallace, chief of the Baltimore Fire Department, said in a press conference that two people had been recovered from the water.

One was uninjured, but the other was transported to a local trauma center in a "very serious condition."

Wallace said up to 20 people were thought to have fallen into the river and some six people were still missing.

Richard Worley, Baltimore's police chief, said there was "no indication" the collision was purposeful or an act of terrorism.

Wes Moore, the governor of Maryland, declared a state of emergency around 6 a.m. ET. He said his office was in close communication with Pete Buttigieg, the transportation secretary.

"We are working with an interagency team to quickly deploy federal resources from the Biden Administration," Moore added.

Understanding why the bridge collapsed could have implications for safety, in both the shipping and civil engineering sectors.

The container ship is the Singapore-flagged Dali, which is about 984 feet long, and 157 feet wide, per a listing on VesselFinder.

An unclassified Cybersecurity and Infrastructure Security Agency report said that the ship "lost propulsion" as it was leaving port, ABC News reported.

The crew notified officials that they had lost control and warned of a possible collision, the report said, per the outlet.

The Dali's owner is listed as Grace Ocean, a Singapore-based firm, and its manager is listed as Synergy Marine, which is also headquartered in Singapore.

Shipping news outlet TradeWinds reported that Grace Ocean confirmed the Dali was involved in the collapse, but is still determining what caused the crash.

Related stories

Staff for Grace Ocean declined to comment on the collision when contacted by Business Insider.

"All crew members, including the two pilots have been accounted for and there are no reports of any injuries. There has also been no pollution," Synergy Marine said in a statement.

The company did not respond to a request for further comment from BI.

'Horrified'

Maersk chartered the Dali, with a schedule for the ship on its website.

"We are horrified by what has happened in Baltimore, and our thoughts are with all of those affected," the Danish shipping company said in a statement.

Maersk added: "We are closely following the investigations conducted by authorities and Synergy, and we will do our utmost to keep our customers informed."

Per ship tracking data, the Dali left Baltimore on its way to Colombo, the capital of Sri Lanka, at around 1 a.m., about half an hour before the crash.

The Port of Baltimore is thought to be the largest in the US for roll-on/roll-off ships carrying trucks and trailers.

Barbara Rossi, associate professor of engineering science at the University of Oxford, told BI the force of the impact on one of the bridge's supporting structures "must have been immense" to lead to the collapse.

Dr Salvatore Mercogliano, a shipping analyst and maritime historian at Campbell University, told BI: "It appears Dali left the channel while outbound. She would have been under the control of the ship's master with a Chesapeake Bay pilot onboard to advise the master.

"The deviation out of the channel is probably due to a mechanical issue as the ship had just departed the port, but you cannot rule out human error as that was the cause of the Ever Forward in 2022 just outside of Baltimore."

He was referring to the incident two years ago when the container ship became grounded for a month in Chesapeake Bay after loading up cargo at the Port of Baltimore.

The US Coast Guard found the incident was caused by pilot error, cellphone use, and "inadequate bridge resource management."

Claudia Norrgren, from the maritime research firm Veson Nautical, told BI: "The industry bodies who are here to protect against incidents like this, such as the vessel's flag state, classification society, and regulatory bodies, will step in and conduct a formal investigation into the incident. Until then, it'll be very hard for anyone to truly know what happened on board."

This may not have been the first time the Dali hit a structure.

In 2016, maritime blogs such as Shipwreck Log and ship-tracking site VesselFinder posted videos of what appears to be the stern of the same, blue-hulled container vessel scraping against a quay in Antwerp.

A representative for the Port of Antwerp told BI the Dali did collide with a quay there eight years ago but couldn't "give any information about the cause of the accident."

The Dali is listed as being built in 2015 by Hyundai Heavy Industries in South Korea.

Watch: The shipwreck at the center of a battle between China and the Philippines

• Main content