Blue Box Insurance is an insurance broker with a great reputation amongst expats that have settled in Ecuador.
They work with over 25 insurance companies to offer the complete range of insurance products needed by expats, including:
Buying insurance in Ecuador can be downright confusing for expats, especially given the language barrier. With so many companies and plans to choose from, it's hard to know which will actually cover you when it comes time to use it.
The reimbursement process can also be difficult to navigate as there are strict processes you'll need to follow - make a mistake and you could very easily find your claim denied.
This is where having Blue Box Insurance in your corner can really help.
There are very few quality insurance brokers in Ecuador that are able to communicate in English. For new arrivals that don't speak any Spanish, trying to find adequate coverage can be an enormous challenge.
Even settled expats with intermediate Spanish skills can be stumped by the insurance contracts that are written in Spanish. It can be very easy to misinterpret, or even completely miss, important clauses in these detailed contracts.
Blue Box Insurance uses English-speaking representatives, lead by the owner Carlos, who speaks great English and is always available to jump in and help solve any issues.
They are happy to run through the contracts in English with you and answer any questions you may have. This can be a significant value-add as you'll know exactly what you're covered for.
Health insurance is one of the most sought-after products at Blue Box. One reason why is the exceptionally useful after-sales service provided by the team.
This includes assistance booking your medical appointments. You call the team and they'll scout around for the best doctor and hospital for your current medical needs and make the appointment on your behalf.
This can be especially useful for expats that are new to the health care system in Ecuador. But even experienced expats save a lot of time by having someone else doing all of the doctor and hospital research.
This was a core reason why I purchased health insurance with Blue Box.
Car insurance is another specialty of Blue Box. The team is renowned for providing efficient and thoughtful assistance during the frantic time of an accident.
If location permits, they may even drop everything to come and help you at the site of the incident, including taking photos, filing the reports, and arranging for the cars to be repaired.
They'll also walk you through all of the paperwork associated with the appointment. This ensures you know exactly the process you need to follow in order to receive your maximum reimbursement.
This is important as I know several insurance brokers that don't provide this level of guidance and it can lead to denied claims and you footing the entire medical bill.
Blue Box will also help you appeal any denied claims. Again, there is a specific process to follow and they'll help you with this.
Blue Box currently has two offices that service all of Ecuador. These are located in Cuenca and Manta.
It doesn't matter if you can't visit a physical office as they offer online appointments via Zoom. If physical signatures are required, they can quickly send the documents to you via courier.
You can generally buy insurance through a broker or sometimes directly with the insurance company.
You won't pay more for using an insurance broker. The insurance broker's commission is always paid by the insurance company.
Some of the key advantages of using a broker include:
If you're after a quote or just more information on the types of insurance options available, use the below form to contact Blue Box Insurance directly. They'll respond within 24 hours (probably much sooner).