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.
Tourism is a crucial industry in Panama, which is why visitors are particularly welcome here. To make Panama an even more attractive destination, the government offers tourists free travel insurance for the first 30 days of your trip (that’s right, free coverage!). This can be ideal if you’re coming here for a short break. When you arrive at the immigration checkpoint at the airport, you’ll be provided with a brochure detailing the coverage.
This free travel insurance policy doesn’t just apply to medical treatment – it also covers delayed flights, lost luggage and other circumstances. Be sure to review this documentation carefully, as it could save you some money and is provided to ease your trip.
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.