Colombia is a diverse operating environment with strong infrastructure in major cities, but higher-risk conditions in certain regions affected by organised crime, armed groups and remote access challenges.
We provide specialist insurance for NGOs, journalists, contractors and organisations working across Colombia, including locations where standard insurers may apply restrictions.
What's included
Designed for high-risk and operational environments.
Risk in Colombia is highly regional.
Major cities may be stable, while rural or border areas can present significantly higher risk. Your cover must reflect where you are actually working.
Can you get insurance for Colombia?
We provide specialist insurance for non-combatants working in Colombia. Some insurers restrict cover due to regional instability or security concerns. We assess the actual working environment and can provide cover where others may not.
More than a generic travel policy
Colombia combines modern infrastructure with regions where security and access can vary significantly. Standard travel insurance assumes predictable conditions — in Colombia, that assumption does not always hold, particularly outside major cities.
This policy reflects how work is actually carried out across different environments.
Country context
The situation
Colombia has made significant progress in stability, but certain regions remain affected by armed groups, organised crime and illicit activity.
Rural areas and border regions can present ongoing security challenges, particularly where state presence is limited and infrastructure is weaker.
NGS provides 24/7 emergency medical and operational support, including evacuation and coordination of care. This is critical when working across regions where access and response capability can vary.
What to watch
Why it can be challenging
Armed groups in certain regions
Ongoing presence of armed non-state actors in rural and border areas creates localised risk that varies significantly by location.
Organised crime and trafficking routes
Narco-related activity and trafficking corridors affect security across parts of the country, particularly outside major cities.
Kidnap and extortion risks in specific areas
Certain regions carry elevated risks of kidnap and extortion. Standard travel insurance does not cover these risks.
Infrastructure limitations outside cities
Access to quality medical facilities, reliable communications and transport degrades significantly in rural and remote areas.
Operational complexity
Moderate to high
Depends heavily on which regions are involved. Major city work is manageable; rural or border regions require careful planning.
Medical access outside major centres
Variable
Strong in Bogotá and other major cities. Significantly more limited in rural, border or conflict-affected areas.
Evacuation difficulty
Moderate
Major cities have good airport access. Rural or border areas can be significantly more complex to evacuate from.
Practical relevance
Operating across regions with different security and infrastructure conditions, often in areas where state services are limited.
Working in areas where security conditions may change quickly, including reporting from rural or conflict-affected regions.
Projects requiring movement between cities and higher-risk regions, where the risk picture changes with location.
Assignments in environments where standard insurance may not apply, requiring specialist assessment and underwriting.
Emergency support
NGS provides 24/7 emergency medical and operational support, including evacuation and coordination of care. This is critical when working across regions where access and response capability can vary.
You are not relying on a policy document alone. You have access to practical support when it matters.
Continuity
Yes. Cover continues across your declared itinerary, including movement between countries, provided your travel has been accurately disclosed in advance.
For teams operating across multiple Latin American countries, accurate disclosure of the full operational picture is essential for cover to respond properly.
Exclusions
Being clear about exclusions helps buyers know exactly what this policy is for and where separate cover may be needed.
This policy is designed to protect people, not possessions.
Cover not included
Activity exclusions
Property exclusions
These covers can be arranged separately if required.
Also covering
Latin America
Threat intelligence
For a deeper understanding of the current situation, including operational risks and regional dynamics, see our threat intelligence hub.
Common questions
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