Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, where he focuses on helping people compare health plans for life abroad. He emphasizes clear information, neutral analysis, and practical decision support.
IMG Global in Ecuador
IMG Global offers a strong middle ground between budget travel insurance and premium international plans. For Ecuador expats who want comprehensive coverage without top-tier prices, IMG delivers solid value.
$180-300
Monthly (Age 55)
Flexible
Customizable plans
Good Value
Competitive pricing
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Flexible coverage at competitive prices.
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Why IMG for Ecuador
Price-Performance Balance
IMG sits between budget options and premium insurers—comprehensive coverage at prices that make sense.
Plan Flexibility
- Multiple deductible options ($0 to $25,000)
- Regional or worldwide coverage
- Annual or semi-annual payments
High-Deductible Strategy
In Ecuador, where healthcare is affordable, a high-deductible IMG plan makes sense. Pay out-of-pocket for routine care, let insurance handle major expenses.
Plans and Pricing
| Plan | Coverage | Price (Age 55) |
|---|---|---|
| Global Medical Insurance | Inpatient + outpatient | $180-240/mo |
| Global Medical Insurance Plus | Comprehensive | $240-300/mo |
Prices shown for healthy 55-year-old. Higher deductibles reduce premiums significantly.
Coverage Details
What's Covered
- Inpatient: Hospital stays, surgery, ICU
- Outpatient: Doctor visits, specialists
- Emergency: Worldwide emergency coverage
- Evacuation: Medical evacuation included
- Prescriptions: Outpatient medications
Limitations
- Pre-existing conditions: 12-month exclusion
- Maternity: Optional, requires waiting period
- Dental: Limited benefits
Who It's Best For
Budget-Conscious Expats
Those wanting comprehensive coverage without premium prices.
Those Combining with IESS
IMG + IESS provides broad coverage: IESS for routine local care, IMG for major issues and evacuation.
Younger Retirees
Those in their 50s-60s who are relatively healthy find IMG offers good value.
Compare IMG Plans for Ecuador
Find flexible coverage at the right price.
Get QuoteWe may earn a commission when you apply through our links. This does not affect our recommendations.
Disclaimer: Prices and coverage are estimates. Get a personalized quote for accurate pricing.
