Should I buy travel insurance for Panama?
Yes. Always. Here is everything you need to know.
To make it easy, we’ve partnered with HelloSafe, a platform that lets you compare plans from more than 40 insurers in one place, so you can pick the coverage that fits your trip and your budget.
Why guests find HelloSafe simple:
- Free comparison, no obligation: see your options before you decide anything.
- Instant results: enter your dates and travelers, and plans appear right away.
- Certificate in minutes: once you choose, you receive your proof of coverage quickly.
- Human support: HelloSafe offers chat support, including on WhatsApp.
- Plans for every traveler: single trips, annual multi-trip coverage, trip-cancellation-only options, and more.
What to look for in a Panama policy:
- Emergency medical evacuation: essential for San Blas, Bocas del Toro and the highlands.
- Medical expenses: with enough coverage for private hospital care, since payment is required upfront.
- Trip cancellation and interruption: in case plans change.
- Adventure activities: if you plan to hike, dive or take boat tours, check that your policy covers them.
Traveling several times a year?
Ask about annual multi-trip plans, which can cover
unlimited trips for 12 months.
Affiliate disclosure: Sami Vacation Stays may earn a commission if you purchase insurance through this link, at no extra cost to you. We only recommend services we believe will help our guests travel with peace of mind. Please read your policy documents carefully before buying, as coverage and exclusions vary by plan.
Important: upfront payment required
Since 2011, foreign visitors no longer receive free medical care in Panama. All private hospital treatment requires upfront payment. Your travel insurance reimburses you after filing a claim on your return home.
Terms and conditions
The information provided on this page is intended as a general summary for informational purposes only. It does not describe all scenarios, coverages or exclusions of any specific insurance plan. Coverage details, limitations and exclusions vary between providers and policies. This page does not constitute insurance advice. Always read your full policy documentation carefully before purchasing. If there is any discrepancy between information on this page and the language of your policy documentation, the policy documentation will prevail.
We strongly recommend that all guests carry comprehensive travel insurance before visiting Panama.