- The best travel insurance plans for Uruguay
- Is it currently safe to travel to</b> Uruguay?
- Is travel insurance required by law to enter Uruguay?
- Why take out travel insurance for Uruguay?
- What Should Travel Insurance for Uruguay Cover?
- The cost of travel insurance for Uruguay
- How to pay less for your travel insurance to Uruguay
- Can I rely on my current insurance to cover me in Uruguay?
- FAQ
Travel insurance for Uruguay: key takeaways
1. Definition: Travel insurance for Uruguay covers medical emergencies, trip cancellation, and other unforeseen travel-related events.
2. Key protection: While not mandatory for US citizens, insurance is crucial to cover potential medical and emergency costs.
3. Healthcare cost: Private healthcare in Uruguay is high-quality but costly, with hospital stays averaging over $800 per night.
4. Price: A one-week travel insurance policy for Uruguay typically costs between $30 and $60 for US travelers.
5. Good to know: Ensure your policy covers personal belongings, as petty theft can be a concern in urban areas.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Uruguay.
The best travel insurance plans for Uruguay
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Comprehensive and reliable coverage for Uruguay. - high reimbursement ceiling - emergency evacuation - extensive guarantees |
| Cap Assistance 24/24 | $1.1M | Broad protection for trips to Uruguay with strong support. - 24/7 medical helpline - easy claims - emergency assistance |
| Tourist Card | $545k | Good choice for tourism and short stays. - sufficient medical limit - affordable rates - emergency services |
| Travel Pass Monde | $765k | Balanced policy for longer visits to Uruguay. - hospital care - family benefits - repatriation included |
| Globe Partner | $327k | Core guarantees for travelers needing straightforward protection. - treatment abroad - civil liability - repatriation support |
| Globe Traveller | $545k | Simple policy for short or low-risk trips. - basic medical cover - fast reimbursement - low deductible |
- high reimbursement ceiling
- emergency evacuation
- extensive guarantees
- 24/7 medical helpline
- easy claims
- emergency assistance
- sufficient medical limit
- affordable rates
- emergency services
- hospital care
- family benefits
- repatriation included
- treatment abroad
- civil liability
- repatriation support
- basic medical cover
- fast reimbursement
- low deductible
Is it currently safe to travel to Uruguay?
As of June 2025, the U.S. Department of State advises travelers to Uruguay to exercise increased caution due to ongoing concerns about street crime and theft in urban areas. Travel within the country is permitted, and no specific security restrictions have been put in place for U.S. travelers.
- Security risks: petty crime and violent thefts, such as robberies and carjackings, are a concern especially in Montevideo and other urban centers. Criminals often operate in pairs on motorcycles and target tourists near banks or ATMs.
- Health risks: no specific vaccinations are required beyond routine CDC recommendations, and medical care in Uruguay is generally considered comparable to U.S. standards. In rural areas, access to care may be slower, particularly during emergencies.
- Legal requirements: U.S. travelers must hold a valid passport with at least one blank page for entry and exit stamps. No tourist visa is needed for stays of up to 90 days.
- Urban and cultural notes: keep valuables hidden and avoid displaying items such as expensive watches. Avoid poorly lit areas at night, and do not resist in case of a robbery attempt.
Although not required, travel insurance is strongly recommended by the U.S. Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Uruguay.
Is travel insurance required by law to enter Uruguay?
No, travel insurance is not mandatory for travelers from the US to enter Uruguay.
It is still strongly recommended to have travel insurance, as crime—such as theft and robbery—can affect tourists, especially in Montevideo and other urban areas. Medical facilities are generally adequate, but insurance ensures coverage for unexpected incidents, including medical evacuation and hospital stays.
According to our data, 80% of travelers purchase travel insurance before going to Uruguay, mainly because of occasional urban crime and the cost of private healthcare.
Why take out travel insurance for Uruguay?
It is an essential financial and medical protection for anyone going to Uruguay.
While Uruguay's healthcare system is generally adequate, costs for private care in clinics such as Hospital Británico in Montevideo can be high for foreigners. Public hospitals are available, but private facilities are often preferred for quality and speed of service, resulting in higher out-of-pocket expenses for non-residents.
Travel insurance covers medical expenses, hospitalization, medication, ambulance transport, and emergency repatriation to the US if a serious incident occurs.
Here are some examples of healthcare costs in Uruguay.
| Example of medical treatment | Cost at Hospital Británico | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 55,000 UYU (about $1,400) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 34,000 UYU (about $860) | up to 100% |
| I need to be repatriated | 870,000 UYU (about $22,000) | up to 100% |
| I have appendicitis (consultation and surgery) | 135,000 UYU (about $3,400) | up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What Should Travel Insurance for Uruguay Cover?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers hospital bills, doctor visits, and outpatient care for illnesses or injuries incurred in Uruguay. We recommend a reimbursement limit of at least $100,000. |
| ✈️ Medical evacuation | Pays for emergency evacuation to the US or another country if necessary due to medical reasons. Recommended minimum: $150,000. |
| 🚑 Repatriation | Covers transport back to the US if return is needed for medical reasons. Recommended minimum: $50,000. |
| 💼 Lost or stolen baggage | Pays for loss, theft, or damage to baggage or personal belongings. Choose a limit of at least $2,000. |
| ❌ Trip interruption/cancellation | Reimburses pre-paid expenses if your trip is interrupted or canceled for covered reasons. Recommended limit: $5,000. |
| 🏄♂️ Sports/adventure activities | Covers injuries from sports or common activities. Make sure you have at least $10,000 in coverage. |
| 🦠 Personal liability | Protects if you accidentally injure someone or cause property damage. Recommended minimum: $50,000. |
| 🚗 Rental car damage | Pays for damage or theft of a rental vehicle. Recommended coverage: $30,000. |
We recommend a reimbursement limit of at least $100,000.
Recommended minimum: $150,000.
Recommended minimum: $50,000.
Choose a limit of at least $2,000.
Recommended limit: $5,000.
Make sure you have at least $10,000 in coverage.
Recommended minimum: $50,000.
Recommended coverage: $30,000.
Travel insurance from local providers or bank cards often has limited coverage, low limits, and several exclusions. It is safer to choose a trusted insurer with comprehensive benefits. Compare leading offers on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Uruguay
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $28 |
| 2 weeks | 45 years old | $48 |
| 1 month | 35 years old | $61 |
| 1 month | 70 years old | $182 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of travel insurance is influenced by several key factors: the traveler's age, the trip's duration and destination, the desired coverage level, and any optional add-ons like cancellation protection. Keeping these in mind is essential to select the right policy that fits your specific needs and budget for your journey.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Uruguay
Here are some suggestions to optimize the cost of your travel insurance to Uruguay while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | Insurance premiums increase with longer trips, so only insure for your actual travel dates in Uruguay. | Insure only for your exact stay to avoid paying for unnecessary extra days not spent in Uruguay. |
| 🏥 Medical coverage | Adequate but private medical care can be expensive, especially in cities like Montevideo. | Choose coverage that matches your needs but do not over-insure for medical costs if you are healthy and risk is low. |
| 👤 Traveler's age | Most insurers charge higher rates to older travelers but not all do. | Compare several insurers. Heymondo does not increase its prices for people over 62, which is rare in the industry. |
| 🧳 Baggage and theft | Crime against tourists is common in main cities, but you may not need high limits if you travel light. | Set baggage coverage based on your possessions' value to avoid costly and unnecessary high-limit options. |
| 🚗 Activities coverage | Active travel or driving in Uruguay may require extra coverage, but this is not always needed. | Opt out of adventure sports or car rental coverage if your travel activities are standard tourism only. |
| 🗺️ Geographic area | Worldwide policies cost more than regional or country-specific coverage relevant to Uruguay. | Select South America only or country-specific policies if you do not need worldwide protection. |
| 👪 Group/family policies | Family or group travelers can get lower per-person rates with combined insurance plans. | Favor group plans if possible for lower rates, as these are usually cheaper than purchasing individual policies. |
Important
Medical evacuation coverage is highly recommended due to the possibility of needing private medical care or evacuation. Verify your plan covers major cities and regional medical needs specific to Uruguay.
Can I rely on my current insurance to cover me in Uruguay?
It is natural to wonder if your US insurance or credit card coverage will protect you during a trip to Uruguay, but unfortunately, these protections are often limited or insufficient for travel needs. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Uruguay? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage for medical expenses, hospitalization, or repatriation outside the US. | Travel insurance often covers $100,000+ in medical care, hospitalization, and emergency evacuation. |
| Private health insurance | Yes, partly | Emergency care abroad may be reimbursed up to $10,000 after return, but not always direct payment or evacuation. | Travel insurance provides $100,000+ medical, daily hospital benefits, and evacuation with no delay. |
| Classic credit card (Visa Classic, Mastercard Standard, Chase Freedom) | Yes, partly | Medical fees reimbursed up to $2,500, no reimbursement for trip cancellation, limited luggage coverage. | Travel insurance includes $100,000+ medical, trip cancellation, and comprehensive baggage coverage. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical benefits up to $50,000, trip delay/cancel up to $10,000, some baggage loss, but limited evacuation. | Travel insurance covers $100,000+ medical, full repatriation, and better support locally and in emergencies. |
Example
While surfing in Punta del Este, Mark suffered a spinal injury. Emergency transport and initial care at a private hospital in Montevideo cost $25,000. His Chase Sapphire card's travel insurance only covered $2,000, and his US health plan denied the foreign claim, leaving him with a staggering $23,000 bill.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness or death, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.
FAQ
Do I need a visa to travel to Uruguay?
U.S. citizens do not need a visa to visit Uruguay for stays of up to 90 days. You must present a valid U.S. passport with at least one blank page for the entry stamp. Visas are required only for diplomatic or official passport holders.
How do I purchase travel insurance for Uruguay?
Start by comparing options using the HelloSafe travel insurance comparison tool. Review coverage and exclusions, with particular attention to important features for Uruguay, such as medical evacuation and theft. Purchase your preferred policy online, then receive your insurance certificate by email.
Are medical facilities in Uruguay comparable to those in the US?
Most urban areas in Uruguay, including Montevideo and major cities, have adequate healthcare facilities similar to U.S. standards. However, in rural regions medical resources may be more limited. Comprehensive travel insurance with medical evacuation is a practical safeguard if serious issues arise.
What should I look for in a travel insurance policy for Uruguay?
Key features include at least $100,000 in emergency medical coverage and full medical evacuation benefits. Look for policies that cover theft, loss of personal belongings, and trip interruptions. Check if the insurer provides 24/7 English-speaking assistance and clear claim procedures.
Does travel insurance cover theft or loss in Uruguay?
Many travel insurance plans provide coverage for theft, loss, or damage to personal belongings. Ensure your chosen policy specifies clear limits and claim procedures for valuables such as electronics and jewelry. Always report losses to local authorities and retain documentation for your claim.
Can I extend my travel insurance if I decide to stay in Uruguay longer than expected?
Most insurers allow extensions as long as you apply before your policy’s expiration. Contact your provider early if your plans change. Additional fees may apply, but uninterrupted coverage ensures continued protection for medical emergencies or unexpected events.
Do I need a visa to travel to Uruguay?
U.S. citizens do not need a visa to visit Uruguay for stays of up to 90 days. You must present a valid U.S. passport with at least one blank page for the entry stamp. Visas are required only for diplomatic or official passport holders.
How do I purchase travel insurance for Uruguay?
Start by comparing options using the HelloSafe travel insurance comparison tool. Review coverage and exclusions, with particular attention to important features for Uruguay, such as medical evacuation and theft. Purchase your preferred policy online, then receive your insurance certificate by email.
Are medical facilities in Uruguay comparable to those in the US?
Most urban areas in Uruguay, including Montevideo and major cities, have adequate healthcare facilities similar to U.S. standards. However, in rural regions medical resources may be more limited. Comprehensive travel insurance with medical evacuation is a practical safeguard if serious issues arise.
What should I look for in a travel insurance policy for Uruguay?
Key features include at least $100,000 in emergency medical coverage and full medical evacuation benefits. Look for policies that cover theft, loss of personal belongings, and trip interruptions. Check if the insurer provides 24/7 English-speaking assistance and clear claim procedures.
Does travel insurance cover theft or loss in Uruguay?
Many travel insurance plans provide coverage for theft, loss, or damage to personal belongings. Ensure your chosen policy specifies clear limits and claim procedures for valuables such as electronics and jewelry. Always report losses to local authorities and retain documentation for your claim.
Can I extend my travel insurance if I decide to stay in Uruguay longer than expected?
Most insurers allow extensions as long as you apply before your policy’s expiration. Contact your provider early if your plans change. Additional fees may apply, but uninterrupted coverage ensures continued protection for medical emergencies or unexpected events.
