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New Ecuador Visa Requirements: Expats Must Show Proof of Health Insurance

Posted on the 18 August 2017 by Pacificprime @ThePacificPrime
New Ecuador visa requirements: Expats must show proof of health insurance

New Ecuador visa requirements have now made it mandatory for all long term tourists, temporary residents, and permanent residents including expats to have health insurance that covers them for the entire duration of their stay in the country. It is therefore essential for anyone visiting or moving to Ecuador to be aware of the recent changes to their visa entry requirements in order to avoid having their visas/ entry denied. Read on to find out whether the new Ecuador visa requirements apply to you.

What exactly are the new Ecuador visa requirements?

As of the time of writing this article, those visiting Ecuador as a tourist for less than 90 days during any given year do not need to show proof of travel or health insurance. Visitors from most countries do not require a visa to enter Ecuador for up to 90 days, with some notable country exceptions including Afghanistan, Bangladesh, Cuba, Eritrea, Ethiopia, Kenya, Nepal, Nigeria, Pakistan, Somalia, and Senegal. Nationals of the following countries can stay in Ecuador for up to 180 days as a tourist: Argentina, Bolivia, Brazil, Chile, Colombia, Ecuador, Guyana, Paraguay, Peru, Suriname, Uruguay and Venezuela.

The new Ecuador visa requirements only applies to tourists who want to extend their stay in Ecuador, temporary residents, and permanent residents. Below are the new Ecuador visa requirements for each visa category:

Tourist Visa Extension

If tourists want to stay in Ecuador for longer than 90 days, they may do so by applying for a Tourist Visa Extension, which will allow them to stay in the country for an additional 90 days. Tourists may also apply to extend their stay for a maximum period of one year by sending a special request to the Human Mobility Authority. This special extension can only be granted once every five years.

Please note here that anyone who wants to apply for a Tourist Visa Extension must secure and show proof of having either a health insurance policy or travel insurance that will cover them for their entire stay in Ecuador.

Temporary Residency Visa

Foreigners who are granted a Temporary Residency Visa will be allowed to stay in Ecuador for up to two years. During this period of time, those with a Temporary Residency Visa in Ecuador are allowed to leave the country up to 90 days in the first year, and again up to 90 days in the second year. Temporary Residency Visas are subject to cancellation if the visa holder fails to comply to the 90 day requirement, in which case they will need to either re-enter Ecuador with a new Temporary Residency Visa and/or new Tourist Visa, depending on their circumstances.

There are thirteen categories under this type of migration status:

  • Worker
  • Independent means
  • Pensioner
  • Investor
  • Scientist, researcher or academic
  • Athlete, artist or cultural agent
  • Religious or religious volunteer
  • Volunteer
  • Student
  • Professional, technician, technologist or master craftsman
  • International convention
  • Dependent (i.e. children, spouse or common law partner, etc.)
  • International protection

Those applying for a Temporary Residency Visa must show proof of having private health insurance or must be affiliated with Ecuador's social security system, commonly known as the IESS or Instituto Ecuatoriano de Seguridad Social. Please note here that the Temporary Residency Visa can only be renewed once.

Permanent Residency Visa

Permanent Residency Visas allow a foreign citizen to remain in Ecuador for an indefinite period of time. To obtain permanent residence status, applicants must meet the following criteria:

  • Have stayed in Ecuador for at least 21 months;
  • Have married or formed a legally recognized civil union with an Ecuadorian person;
  • Be a minor or a disabled person who depends on an Ecuadorian person or foreigner with permanent resident status;
  • Be related to an Ecuadorian person or permanent resident of Ecuador.

For the first two years from the date the visa is granted, those with a Permanent Residency Visa are not allowed to be out of the country for more than 180 days each year. Those who fail to comply with this requirement will be charged a hefty fine.

As with the Temporary Residency Visa health insurance requirements, those applying for a Permanent Residency Visa must also show proof of having private health insurance or be affiliated with the IESS.

Private health insurance or the IESS?

If you're applying for a Temporary or Permanent Residency Visa, there are two health insurance options available:

  • Membership in the IESS
  • Obtain private health insurance

Here, we provide an overview of the two options:

IESS

Expats can choose to enroll in the IESS, which is paid for through contributions either by yourself, or by your employer (if you are employed). The cost is 17.6% of your income, and an additional 3.41% for your spouse or common law partner, as long as they have a cedula (national identification) number for registration. These percentages, for many expats, can be a considerable amount.

Public medical care is 100% free if you're enrolled in the IESS, as long as you visit facilities that are contracted with the IESS. That said, sometimes IESS pharmacies may not have the medications that you require, meaning you may have to go to a non-IESS facility to purchase them.

What's more, the quality of medical care provided by IESS facilities can vary significantly in Ecuador, with most high quality facilities located in large cities like Guayaquil. Healthcare standards in smaller towns and rural areas are often very poor. Combine this with the fact that the IESS can be restrictive for foreigners to be able to afford or utilize (not being Ecuadorian citizens themselves), and it is easy to see why so many expats prefer having private health insurance.

Private health insurance

Those looking for private health insurance can choose to obtain either a local or international policy. If you're on a tight budget and rarely travel, a local plan may be the best option for you. Local plans are often much cheaper than international health insurance, primarily because it covers a lot less geographically. That said, expats and frequent travellers often prefer international health insurance to benefit from much greater flexibility and freedom in choosing where they can seek care. The cost of international health insurance in Ecuador can range from as little as USD 66 for a basic plan, to USD 942 for a more comprehensive plan with added benefits such as dental and maternity cover.

Looking for more information on Ecuador visa requirements?

To learn more about the new Ecuador visa requirements and your health insurance options, contact the helpful advisors at Pacific Prime today. Also feel free to have a look at our Ecuador page here for in-depth information on healthcare and health insurance in Ecuador.


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