Best Travel Insurance for Ecuador & Galápagos Diving 2026

Ecuador is one of the most biodiverse countries on Earth. In a single trip, you can **scuba dive with hammerhead sharks in the Galápagos Islands**, hike volcanic peaks in the Andes, and explore the Amazon rainforest — all within a country roughly the size of the United Kingdom. But this incredible diversity of environments also means diverse risks that demand comprehensive, specialized travel insurance.

The Galápagos Islands alone present unique challenges: the nearest hyperbaric chamber is on the Ecuadorian mainland (not in the islands), Quito sits at **9,350 feet (2,850m)** above sea level, and the Amazon basin has limited medical infrastructure. Here's your complete guide to staying protected.

Scuba Diving Insurance for Galápagos

The Galápagos Islands offer world-class diving — **Wolf and Darwin Islands** are considered among the best dive sites globally. But diving here presents significant insurance challenges.

Decompression Sickness (DCS) Coverage

A hyperbaric chamber treatment for decompression sickness can cost **$20,000–$80,000**. Critical insurance requirements:

Specialized Diving Insurance Providers

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**Pro tip:** If you're doing more than 3 dives, **DAN membership** is the gold standard. It's affordable, comprehensive, and recognized globally.

Galápagos Liveaboard Insurance

Most Galápagos diving happens on **liveaboard boats** spending 7–10 days around remote islands. Your insurance should cover:

Altitude Sickness in Quito

Quito's airport sits at **2,800 meters**, and the city center at 2,850m. Many travelers fly in from sea level and experience:

In rare cases, travelers develop **High Altitude Pulmonary Edema (HAPE)** requiring hospitalization. Ensure your policy covers altitude-related illness up to at least 4,000m.

Acclimatization Tips

Amazon Basin Coverage

If you're visiting the Ecuadorian Amazon (Yasuní National Park, Cuyabeno Reserve), consider:

Ecuador Visa Requirements 2026

EU Citizens

US Citizens

Galápagos Entry Requirements

Essential Diving Gear for Galápagos

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FAQ

Do I need special diving insurance for the Galápagos?

Yes. Standard travel insurance typically **excludes scuba diving or limits it to 18 meters**. Galápagos dive sites frequently exceed 30 meters with strong currents. We recommend DAN membership or a specialized diving insurance rider that covers decompression sickness treatment and hyperbaric chamber access.

Is altitude sickness a problem in Quito?

Yes, affecting approximately 20% of visitors. Quito sits at 2,850m (9,350ft), and symptoms include headaches, nausea, and shortness of breath. Most cases are mild and resolve within 2–3 days. However, if you're continuing to higher altitudes (Cotopaxi at 4,500m+), consider Diamox and monitor your oxygen levels.

Can I use my European insurance card in Ecuador?

No. The **EHIC is not valid in Ecuador**. You need comprehensive travel insurance covering medical expenses, evacuation, and repatriation. Ensure your policy explicitly covers all activities you plan to undertake, including diving and high-altitude trekking.