Latin America is not a single risk environment. From major cities and business hubs to remote regions, border areas and locations affected by organised crime or political instability, the risk profile can vary significantly depending on how and where you are working.
We provide specialist insurance for non-combatants operating across Latin America, including locations where standard insurers may restrict or exclude cover. Designed for NGOs, journalists, contractors and organisations working in environments where conditions are not always predictable.
What's included
Designed for people working across multiple locations, including higher-risk regions and remote areas.
Latin America varies widely by country and region.
Risk is often localised and can change quickly. Your cover must reflect where you are actually working, not just the country you are entering.
Yes — Conflict Cover provides specialist insurance for Latin America.
Subject to full disclosure of your assignment, operating area and security arrangements. This cover is designed for journalists, NGO workers, contractors and other non-combatants who have a legitimate professional reason to be there.
Can you get cover here?
We provide specialist insurance across Latin America, including higher-risk urban environments, remote and infrastructure-limited regions, politically sensitive areas, and locations where standard insurance may be restricted.
Many standard insurers will limit cover based on broad country-level assumptions. We assess the actual working environment and can provide cover for non-combatants where others may say no.
More than a generic travel policy
A business trip to São Paulo or Santiago is very different from working in remote areas, border regions, locations with limited infrastructure, or environments affected by organised crime or instability.
Standard travel insurance assumes predictable infrastructure, consistent medical access and straightforward evacuation. That assumption does not always hold. This policy is designed to reflect how work is actually carried out, how travel patterns evolve, and what happens when conditions change.
Regional context
The situation
Latin America includes stable economies, developing regions and locations where security conditions can vary significantly. In some countries, risk is driven by organised crime, political tension, economic instability and infrastructure limitations.
For many organisations, the challenge is not a single destination, but managing movement across different environments with very different risk profiles.
The issue is often not the country itself, but how and where work is carried out within it.
What to watch
Why it can be challenging
Localised security variations
Significant differences in safety between districts, states or regions within the same country — standard insurers rarely reflect this granularity.
Medical facility access
High-quality medical care is often limited to major urban centres. Field teams working in rural or remote areas may have very different access.
Travel complexity in remote areas
Reaching and evacuating from remote or rural locations can require planning that goes well beyond standard emergency response assumptions.
Cross-border coordination
Multi-country operations add logistical complexity to any emergency response — requiring support teams who understand the regional picture.
Operational complexity
Moderate to high
Particularly for organisations running multi-country operations or working in locations affected by organised crime or instability.
Medical access outside major centres
Variable
Quality of care drops significantly outside major cities. Evacuation to an appropriate facility may be the most reliable option.
Evacuation difficulty
Moderate to high
Distance and infrastructure in remote areas can make evacuation complex. NGS coordinates movement from the first call.
Practical relevance
Organisations operating across multiple Latin American countries, with teams moving between different risk environments.
Reporters working in higher-risk urban or regional environments, including areas affected by organised crime or political instability.
Specialists and consultants travelling across multiple Latin American countries on infrastructure, advisory or operational work.
Organisations managing people in different operational environments — from stable business hubs to remote or restricted-access locations.
Key countries
Start a quote for the specific country you are working in, or contact us if your itinerary spans multiple locations.
A high-risk environment with significant political instability, infrastructure limitations and restricted access in parts of the country. Cover available for NGOs, journalists and field teams.
View Venezuela coverA country with significant regional variation — major cities are relatively stable while some rural areas remain affected by armed groups and narco-related violence.
View Colombia coverRisk is highly localised across Mexican states, particularly near borders and in areas with cartel activity. Cover available for teams working in affected regions.
View Mexico coverUrban security risks and infrastructure limitations in parts of Brazil require specialist assessment. Cover available for operations outside major business centres.
View Brazil coverPolitical instability and remote working environments create specific challenges. Cover available for fieldwork, research and operational teams.
View Peru coverOne of the most difficult operating environments in the Americas. Gang violence, severe instability and limited medical access make specialist cover essential.
View Haiti coverGenerally stable but with significant operational challenges in remote regions, mining areas and Patagonia. Geography and distance are the key risk factors.
View Chile coverOne of Latin America's major destinations but with real operational complexity once work extends beyond Buenos Aires into remote regions or across long internal distances.
View Argentina coverSecurity conditions have deteriorated sharply in recent years, particularly in coastal cities. Operational complexity is elevated, and some insurers are tightening cover conditions.
View Ecuador coverCivil unrest, high-altitude terrain and limited medical access outside major cities create a demanding operational environment. UK official guidance cites parts of Bolivia as requiring increased caution.
View Bolivia coverA major logistics and finance hub, but not a uniform risk environment. Remote border areas including parts of Darién carry materially higher risk than Panama City and established commercial routes.
View Panama coverOften seen as straightforward, but field work, remote locations and multi-region itineraries create a different picture. Standard insurers may oversimplify what working travel here actually involves.
View Costa Rica coverConsistently one of the most violent countries in Central America. Gang activity, homicide rates and weak state capacity make proper specialist cover essential for all operational teams.
View Honduras coverHigh levels of organised crime and gang violence, particularly in Guatemala City and the Northern Triangle corridor. Standard insurers routinely exclude or restrict cover for operational environments.
View Guatemala coverWhat happens if something goes wrong?
NGS provides 24/7 support, including coordination of treatment, medical evacuation and onward care. This becomes critical when working across regions where capability varies significantly.
Cover continues across your declared travel, including movement between locations, provided your itinerary is accurately disclosed.
"This is one of the key differences between specialist high-risk cover and ordinary travel insurance."
24/7 availability
The NGS team can be reached around the clock — weekends, public holidays, and in the middle of a fast-moving situation anywhere in the region.
Medical coordination
From identifying appropriate local care to arranging full medical evacuation, NGS manages the process from the first call.
Regional expertise
Operating across Latin America means NGS understands the specific infrastructure, logistics and medical challenges that vary across the region.
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.
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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