For a limited time, new health insurance clients receive a 50% reduction in their deductible for the first year.

Major Expenses Health Insurance

A Peaceful Expat Life In Ecuador

deserves the best VIP treatment for your health when you need it most.

VUMILATINA® complies with all the local healthcare regulations dictated by the Organic Law of Human Mobility.

The Superintendence of Companies of Ecuador approves VUMILATINA® as one of the prepaid healthcare providers for foreign residents.

When it comes to your health, especially when you are far away from home, you want a health insurance company that understands your needs, speaks your language, and will be there for you wherever you are.

VIP Patient Concierge Services.

Personalized services for insureds and their families in all hospitalization and critical cases anywhere in the world to make the medical experience as stress-free as possible

Coordination of appointments

Multilingual support in all aspects of a medical treatment

A direct line with Vumi Latina's medical department through WhatsApp

Doctors home visits


General Health Insurance Plan Information

Maximum coverage per person, per policy year


Eligibility to apply

• No age limit
• Only U.S. or Canadian citizens living in or planning to live in the Province of Azuay*

Coverage in Ecuador

100% with free choice of hospitals and doctors

Coverage outside Ecuador (excluding United States and Brazil)

• 40% with free choice of hospitals and doctors
• Emergency medical treatment will be covered 100% up to the policy limits

*Only U.S. or Canadian citizens without an Ecuadorian nationality and residing in Ecuador are eligible to apply for this plan.

We offer 100% coverage in the following medical areas:
  • Intensive care unit
  • Hospitalization
  • Physician and specialist visits
  • Reconstructive surgery in case of illness or accident
  • Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans, endoscopy, cystoscopy, stress test and ultrasound)
  • Cancer tests, medication and treatment (chemotherapy and radiotherapy)
  • Dialysis
  • Prostheses and medical appliances implanted during surgery
  • Allergy treatments
  • Physical therapy and rehabilitation
  • Emergency transportation by ground ambulance
  • Second Medical Opinion VIP around the world

*All benefits with 100% coverage are up to the policy limit.

Second Medical Opinion VIP

In partnership with MediGuide International, a U.S. based world class medical opinion provider, Vumi Latina offers Second Medical Opinion VIP as a complimentary service in all plans.

Second Medical Opinion VIP selects the hospital recognized as the leading treatment provider for the specific diagnosis. The second opinion is performed by a panel of medical experts from this provider to ensure that all aspects are considered and debated before they form a conclusive qualified opinion on the diagnosis and the recommended treatment. Vumi Latina believes that an increased number of expert eyes on the case is better for the insured and ensures that everything is discussed and analyzed down to the last detail, which serves Vumi Latina’s objective to help clients recover their health in the best way and as soon as possible.

Other benefits

Prescription medication

Up to US$5,000

Nurse care at home

Up to US$1,000

Durable medical equipment (special devices, external prostheses, orthotic

Up to US$2,500

Emergency transportation by air ambulance

Up to US$35,000, no deductible applies


Schedule an appointment with us for more information about Intermediate Health Insurance