Montevideo Travel Insurance
Everything you need to know before your trip
Healthcare Cost Level
Moderate
Avg. ER Visit
$150
Recommended Coverage
$100,000
Evacuation Risk
Low
Healthcare in Montevideo
What to expect if you need medical care
Montevideo offers good quality healthcare with well-equipped facilities and trained medical professionals. However, you'll face two key challenges as a tourist. First, you'll need to pay out-of-pocket for all medical services since free healthcare isn't available to visitors. An emergency room visit averages $150, and if you need hospitalization, expect to pay around $400 per day. Second, English availability is limited in medical facilities, so language barriers may complicate consultations and understanding treatment plans. While the capital has excellent healthcare infrastructure that keeps evacuation risk low, you should be prepared for moderate costs and potential communication difficulties. Having insurance helps you access quality care without worrying about immediate payment or language support services.
Reciprocal Healthcare Available
Citizens of AR, BR, PY, BO, PE, EC, CO, VE may have partial coverage through reciprocal agreements.
Mercosur agreement provides emergency care only, not comprehensive coverage, documentation required
What Your Policy Should Cover
Country-specific considerations for Montevideo
Your policy should address Montevideo's specific health and activity risks. Ensure coverage includes dengue fever treatment, as there's moderate risk during summer months from December to March. If you're planning beach time on the Atlantic coast, verify your policy covers injuries from strong rip currents and sun-related illnesses, since UV radiation is notably strong during summer. For those interested in rural horseback riding experiences, specifically confirm that equestrian activities are included, as these aren't always standard. While Montevideo has good healthcare infrastructure making evacuation unlikely, your policy should still cover emergency medical transport from remote rural areas back to the capital if needed. Given limited English availability in medical facilities, consider policies offering translation services or assistance coordinators who can help navigate the Spanish-speaking healthcare system.
Dengue Fever
Moderate Risk
Peak: summer (December-March)
Zika Virus
Low Risk
Peak: year-round
Sun Exposure
Moderate Risk
Peak: summer (December-March)
Activity-Specific Coverage
Beach Activities: Strong UV radiation and rip currents on Atlantic coast
Rural Horseback Riding: Ensure coverage includes equestrian activities
How Much Coverage Do You Need?
Our recommendation based on Montevideo's healthcare costs
The recommended $100,000 coverage provides a solid safety net for Montevideo's moderate healthcare costs. While individual services like ER visits ($150) and daily hospital stays ($400) seem manageable, serious illness or injury requiring extended hospitalization, surgery, or specialist care can quickly escalate. The low evacuation risk means you likely won't need expensive medical transport, but the $100,000 amount ensures you're fully covered for worst-case scenarios including prolonged treatment, complications, or multiple hospital days without worrying about hitting policy limits.
Minimum
$50,000
Basic emergencies only
Recommended
$100,000
Full protection
Making a Claim in Montevideo
Tips for smooth claims processing
Documentation Required: Medical reports in Spanish, hospital invoices, proof of payment, police report if accident-related
- Keep all medical documentation in Spanish—hospitals will provide reports and invoices in Spanish, which is exactly what insurers expect for claims from Uruguay
- Request and retain detailed hospital invoices (facturas) and proof of payment receipts for every medical service, as these are essential for reimbursement
- If you're from Argentina, Brazil, Paraguay, Bolivia, Peru, Ecuador, Colombia, or Venezuela, bring documentation proving citizenship to access emergency care under the Mercosur agreement, though this only covers emergencies and you'll still need insurance for comprehensive protection
- Obtain a police report (denuncia policial) if your medical issue resulted from an accident, theft, or any incident requiring law enforcement involvement
- Expect moderate difficulty with claims processing, so photograph all documentation before leaving Uruguay and follow up proactively with your insurer
Get Covered for Montevideo
Protect your trip to Montevideo with comprehensive coverage from a trusted provider.
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