Does it cost anything to request a quote?

No. The referral is free. The advisor is paid by the carrier only if you choose to bind a policy.

How quickly will I hear back?

Most requests get a first reply within one to two business days by email or phone.

What coverage types can I request?

Health, travel, car, owners (homeowners), and renters (inquilinos) insurance for life in Ecuador.

Where in Ecuador can I get coverage?

Coverage is available throughout Ecuador. Common cities include Cuenca, Quito, Guayaquil, Manta, Salinas, and Loja.

Legal

Terms of Service

Last updated: June 2026

These Terms of Service (the “Terms”) govern your use of EcuaInsure.Com (the “Service”). By using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. What EcuaInsure is — and is not

EcuaInsure is a quote-request referral service. We collect the information you submit through our form and route it to an independent insurance advisor who can compare Ecuador options on your behalf.

EcuaInsure is not an insurance company, broker, agent, producer, or carrier. We do not underwrite, sell, solicit, bind, or service insurance policies. We do not provide insurance advice. We do not represent or act on behalf of any insurer.

The advisor, broker, carrier, and policy documents determine quote availability, coverage, benefits, exclusions, pricing, claims handling, and any other aspect of an insurance product.

2. No insurance advice

Content on this site — including the coverage notes, the buyer’s guides, and the form’s placeholder text — is general information. It is not insurance, legal, tax, or financial advice for your specific situation. You should consult a licensed advisor in your jurisdiction before making any insurance decision.

3. Eligibility

The Service is intended for adults 18 and over who are seeking insurance options for life in Ecuador. By submitting a request, you confirm that the information you provide is accurate to the best of your knowledge.

4. Your request and consent

When you submit a quote request, you consent to EcuaInsure sharing the information you provide with an independent insurance advisor for quote follow-up. You also acknowledge that the advisor may contact you by email, phone, WhatsApp, or SMS using the contact details you provided.

You can withdraw your consent at any time by replying “stop” to a message from the advisor, or by emailing us at the contact listed on our home page.

5. Quotes, coverage, and pricing

Any quote, coverage recommendation, or pricing figure is provided by the advisor or the carrier — not by EcuaInsure. EcuaInsure does not guarantee the availability, accuracy, or terms of any quote. Final terms are governed by the policy documents issued by the carrier.

6. Referral partners

Some pages on this site are co-branded with a referral partner (such as GenXPat). If you submit a request through a referral page, we share the fact of that referral with the partner so they can be credited, but not the contents of your request unless you have separately consented.

7. Intellectual property

The Service, including its text, graphics, design, and code, is owned by EcuaInsure or its licensors and is protected by copyright, trademark, and other laws. You may not copy, reproduce, republish, or distribute the Service or its content without our written permission, except for personal, non-commercial reference (e.g., saving a buyer’s guide PDF for your own use).

8. Disclaimers

The Service is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, EcuaInsure disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure.

9. Limitation of liability

To the fullest extent permitted by law, EcuaInsure will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising from or related to your use of the Service — even if we have been advised of the possibility of such damages. Our total liability for any claim arising from the Service will not exceed one hundred U.S. dollars (USD $100).

10. Indemnification

You agree to indemnify and hold EcuaInsure, its operators, and its service providers harmless from any claim, demand, loss, or expense (including reasonable attorneys’ fees) arising from your breach of these Terms or your misuse of the Service.

11. Termination

We may suspend or terminate the Service or your access to it at any time, with or without notice, for any reason. The disclaimers, limitations, and indemnity obligations in these Terms survive termination.

12. Governing law and disputes

These Terms are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws rules. Any dispute arising from these Terms or the Service will be resolved exclusively in the state or federal courts located in Florida, and you consent to personal jurisdiction in those courts.

13. Changes to these Terms

We may update these Terms from time to time. The updated version will be posted on this page with a new “Last updated” date. Your continued use of the Service after an update constitutes acceptance of the updated Terms.

14. Contact

Questions about these Terms can be sent via the form on our home page or to the address listed on our Privacy Policy.

This page is provided for general information. It is not legal advice. Consult a qualified attorney in your jurisdiction for advice specific to your situation.