Guatemala Travel Insurance

Traveling to Guatemala offers incredible experiences but comes with potential risks. Here’s why Guatemala travel insurance is a must-have:

• Medical Emergencies: While Guatemala has healthcare facilities, quality and accessibility vary greatly, especially in rural areas. Travel health insurance ensures access to top-notch medical care and covers unforeseen medical expenses.
• Trip Interruptions: From unpredictable weather to personal emergencies, unexpected disruptions can throw your plans off track. Insurance protects your investment by covering cancellations, delays, or interruptions.
• Lost or Stolen Items: Guatemala’s bustling markets and busy tourist spots can be prone to pickpocketing. Insurance safeguards your valuables and helps replace essential documents like passports if lost.
• Adventure Activities: If your itinerary includes activities like volcano hiking, ziplining, or diving, specific travel insurance plans offer coverage for such adventures.
• Peace of Mind: Travel insurance eliminates worries about unforeseen expenses, allowing you to focus on enjoying the beauty and culture of Guatemala.

So Easy Travel Insurance offers comprehensive medical insurance and IT coverage designed to protect international travelers from unexpected expenses and emergencies. Whether you’re headed to Guatemala, El Salvador, or any global destination, here’s what our plans typically include:

Trip Cancellation & Interruption Insurance

Reimburses non-refundable trip costs if you have to cancel or cut your trip short due to natural disasters, illness, injury, or other covered reasons.

Travel Health Insurance

This travel medical insurance covers medical expenses if you get sick or injured during your trip. Travel medical insurance includes doctor visits, hospital stays, and medical care in countries with limited healthcare facilities.

Emergency Medical Evacuation

Provides travel medical insurance coverage for medical evacuation to the nearest facility capable of providing appropriate health care, especially in case of serious illness or injury.

Coverage for Pre-Existing Medical Conditions

We offer plans that cover pre-existing conditions, so you can travel with peace of mind knowing your ongoing health needs are protected.

Mental Health Support

Some plans include coverage for mental health emergencies while traveling.

Lost, Delayed, or Damaged Baggage

Get reimbursed for lost, stolen, or delayed luggage so you can replace essentials quickly.

Natural Disaster & Travel Delay Coverage

If your trip is affected by natural disasters or unforeseen travel delays, our policies can help cover unexpected accommodation or transportation costs.

24/7 Travel Assistance

Access global support anytime you need help finding medical services, arranging emergency medical evacuation, or navigating a local medical emergency.

Accurately estimating your trip cost is essential when purchasing travel insurance. It ensures you get the right coverage limits and don’t overpay or underinsure your vacation. Here’s how to do it:

Include All Prepaid, Non-Refundable Expenses

Start by totaling all the non-refundable costs you’ve already paid or committed to. This typically includes:

• Flights

• Hotels or Airbnb bookings

• Tour packages

• Cruise fees

• Event tickets (concerts, excursions, theme parks)

• Transportation (train, ferry, car rentals)

If these are non-refundable or only partially refundable, they should be included in your total trip cost for insurance.

Don’t Include Daily Spending or Fully Refundable Items

Exclude everyday expenses like meals, shopping, and fully refundable bookings. Travel insurance typically only covers prepaid non-refundable costs you lose if your trip is cancelled or interrupted.

Consider Deposits and Payment Schedules

If you’ve only paid a deposit but will owe more before the trip, include the total amount you’re obligated to pay, not just the deposit. This ensures your insurance provider covers the full cost if you need to cancel.

Add Costs for Everyone You’re Insuring

When buying trip cancellation insurance for a group or family, combine the trip costs of each traveler. This includes each person’s airfare, accommodation, and prepaid activities. Insurance should match the total trip cost for all insured travelers.

Use a Travel Insurance Calculator (Optional)

Some travel insurance providers, like So Easy Travel Insurance, offer an online calculator to help you estimate your insurance plan cost based on your trip details, destination (like Guatemala), and medical coverage needs.

Final Tip: Be Accurate, Not Inflated

Estimating too high can increase your premium unnecessarily, while estimating too low could leave you underinsured. Provide a fair, accurate estimate so your travel insurance coverage fully protects you without overpaying.

To maximize the benefits of insurance, consider these factors when selecting your plan:

• Duration of Stay: Ensure your plan covers the entirety of your trip.
• Activity Level: Choose a plan with adventure activity coverage if you’re exploring Guatemala’s rugged outdoors.
• Coverage Limits: Review the limits for medical expenses, trip cancellations, and personal belongings.
• Exclusions: Familiarize yourself with what’s not included in the policy to avoid surprises.
• Destination-Specific Risks: Consider coverage for risks like natural disasters, which can occur in Guatemala.

The cost of travel insurance in 2025 depends on several factors, including your total trip cost, destination, age, coverage limits, and whether you need add-ons like medical evacuation, trip cancellation, or coverage for pre-existing conditions.

On average, you can expect to pay 4% to 10% of your total trip cost for a standard comprehensive travel insurance policy.

Here’s a sample pricing table to help you understand what you might pay for the best travel insurance in 2025:

Sample 2025 Travel Insurance Pricing Table

• Age – Older travelers generally pay more due to increased medical risk.

• Trip Duration – Longer trips mean higher premiums.

• Destination – High-risk or remote areas (e.g., Guatemala, Chad, or Wake Islands) may increase costs.

• Coverage Type – Add-ons like medical evacuation, trip interruption, or mental health services increase price.

• Pre-existing Medical Conditions – Coverage for these usually costs more.

Is It Worth It?

Yes. A single medical emergency abroad could cost thousands. For just a few hundred dollars, the best travel insurance protects your health, trip investment, and peace of mind.

Planning travel to Guatemala, Martinique, or even Micronesia? Check out tailored plans from So Easy Travel Insurance to get the right coverage at the best rate.

Medical evacuation coverage is one of the most critical components of travel insurance, especially when traveling to countries with limited medical facilities or where quality healthcare is far from reach—such as remote areas of Central America, including parts of Guatemala.

If you experience a serious illness or injury and need to be transported to the nearest hospital or even back home for appropriate medical care, medical evacuation can cost tens of thousands of dollars. That’s why choosing a travel insurance plan with strong medical evacuation benefits is essential.

So Easy Travel Insurance

• Offers comprehensive travel medical insurance with emergency medical evacuation as a core benefit.

• Great for travelers visiting destinations like Guatemala, El Salvador, Curacao, and more.

• Covers transportation to the nearest qualified medical facility or repatriation to your home country.

• Also includes coverage for trip interruption, trip cancellation, and pre-existing conditions in select plans.

Allianz Global Assistance

• Known for reliable medical evacuation services and 24/7 travel assistance.

• Coverage includes air ambulance services and coordination with local medical providers.

• Ideal for travelers taking longer international trips.

World Nomads

• Popular with adventure travelers and backpackers.

• Provides up to $500,000 in medical evacuation coverage depending on the plan.

• Includes coverage for remote locations where evacuation may be logistically complex.

Travel Guard by AIG

• Strong medical evacuation and repatriation coverage up to $1 million in premium plans.

• Ideal for older travelers and those with pre-existing medical conditions.

• Offers 24/7 global assistance to help with medical transport logistics.

GeoBlue (for U.S. citizens)

• High-quality health and evacuation coverage for international travelers, especially expats or long-term travelers.

• Access to a wide network of global healthcare providers and hospitals.

What to Look for in Medical Evacuation Coverage:

• High coverage limits (at least $100,000–$500,000)

• Repatriation of remains included

• Coverage in remote/difficult regions

• 24/7 emergency assistance

• Transportation to the nearest appropriate medical facility, not just the closest one

Final Tip:

If you’re heading to areas like Antigua Guatemala, Wake Islands, or Togo, ensure your plan includes strong evacuation coverage. So Easy Travel Insurance offers flexible plans with excellent medical evacuation benefits tailored for global destinations.

• Effortless Process: Simple online application and quick approvals.

• Affordable Plans: Budget-friendly options without compromising coverage.

• Global Assistance: Round-the-clock support from a team of travel insurance experts.

• Tailored Options: Plans customized to fit both leisure and business travellers.

• Comprehensive Coverage: All-inclusive plans that address every aspect of your travel protection.