Independent broker · 15 years in Ecuador
Your friend in insurance
If you are an expat, a retiree, or a company setting up operations here, you should not have to guess what your policy covers. We compare 12 partner insurers and walk you through every step — in your language.
OUR PARTNER INSURERS
BUPA · Saludsa · Humana · Mediken · Asisken · Cóndor · Hispana · Sweaden · Blue Card · Universal Assistance · Best Doctors · Northbridge
Whether you are living here, retiring here, or opening an office here, the structure is different — and so is the right policy.
Global plans through BUPA, Best Doctors and Universal Assistance, with coverage that follows you outside Ecuador.
Ecuadorian plans with clinic networks in Guayaquil, Quito and Cuenca. Often far cheaper than a global plan.
Protection and dollar-denominated savings plans with international backing.
Fire, theft, earthquake and contents. Ecuador is a seismic country — most foreign owners are underinsured.
Collision, theft, third-party liability, towing and roadside assistance nationwide.
Employee benefits, surety bonds, liability and cargo for companies operating in Ecuador.
That is what a broker is. We put trust above everything: we take the time to understand your priorities, then advise you across insurance, finance and business consulting.
Talk to an advisorYour situation, your visa status, your family and what you actually need protected.
We quote your risk with our 12 partner insurers and show you the full table.
Coverage, exclusions and cost — in English, before you sign anything.
Renewals, reimbursements and claims handled within 24 hours by the same advisor.
Not always. Some international plans accept applicants on a temporary visa or in the middle of a residency process. Local plans usually require a cédula. Tell us where you are in the process and we will tell you exactly what is available to you.
It depends on how often you leave the country and whether you want treatment abroad. A local plan can cost a fraction of a global one and still cover you well inside Ecuador. We will show you both side by side with real numbers, not a sales pitch.
Yes. You will be assigned an English-speaking advisor, and that same person handles your claims and renewals. You will never have to explain your case twice.
Nothing extra. Brokers are paid a commission by the insurer, which is already built into the premium whether you use a broker or not. Going direct does not make it cheaper — it just means nobody is on your side when you file a claim.
We would like to hear what you need. Call us or write to hola@pacifiseguros.com.
