Guatemala Risk Assessment Country Guide 

North America Guatemala

With more than 15 million residents, the Central American nation of Guatemala has a diverse and varied culture. However, many of its citizens live below the poverty line, and the violent crime rate is one of the highest in Latin America.

According to the UK Government, all foreign visitors should use caution while traveling in the country, and carry personal ID at all times. Guatemala is susceptible to natural disasters, and travel in several regions was limited by a recent earthquake in November 2012. Relief and reconstruction efforts have been a slow process.

The political climate in Guatemala could also change quickly. Protests are common, and often start with little to no warning. In May 2013, authorities declared a State of Siege in the districts of San Rafael Las Flores and Casillas due to a series of violent demonstrations, which affected travel within the region/

Given the number of risks the country poses, it is advisable to seek comprehensive international insurance, including medical coverage. While most experiences in Guatemala are trouble-free, it is important to manage the potential or unexpected costs of life abroad.

  • Health
  • Safety & Security
  • Terrorism

In November 2015, the first local transmission of Zika virus infection was reported in Central America, including Guatemala. There have been more than 100 cases reported. Local transmission means that mosquitoes in the area have been infected with Zika virus, spreading it to people. The most common symptoms of Zika virus disease are fever, rash, joint pain, and conjunctivitis (red eyes). The illness is usually mild with symptoms lasting from several days to a week. Severe disease requiring hospitalization is uncommon. Talk to your doctor or nurse if you develop these symptoms. Although there is no cure or vaccine for Zika, take standard precautions against mosquito bites and practice safe sex. Pregnant women should consider postponing travel. 

Before departing for Guatemala, you should discuss all possible vaccinations and other preventative measures with your primary care physician. Many state-funded hospitals lack the appropriate staff and other valuable equipment. Poor hygiene is also an issue with some facilities.  

Dengue fever is common in this part of the world and risk is present throughout the year. Water is usually unsafe to drink, and it is recommended that water is filtered or boiled before consuming. However, bottled water is cheap and readily available.

According to UNAIDS/WHO's 2013 report on the Global AIDS Epidemic, there is an estimated 53,000 adults in Guatemala living with HIV. The prevalence of the condition is believed to be near 0.7 percent in the population.

Hospitals may not provide treatment to foreign travelers without proof of insurance. You should keep evidence of coverage with you at all times. Clements Worldwide offers GlobalCare® health insurance, which provides USD 5 million in health care benefits. With Clements, you will have flexible payment options, choice of deductible and around-the-clock claims assistance. This policy is uniquely customized to fit your needs while abroad, and includes an optional extension for War and Terrorism coverage.

While in Guatemala, you may need to travel or leave the country in order to receive treatment. A Medical Evacuation and Repatriation insurance policy from Clements covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Guatemala.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

The political situation in Guatemala can become unstable at times. These incidents often occur with little notice, and could turn violent. As such, you should take care to avoid all large, public gatherings. Roadblocks and the closing of public facilities have also become more widespread across the country recently. 

A Personal Accident insurance policy from Clements protects your organization’s employees and their families' financial stability following an accident, regardless of whether it occurs on the job or during personal time. Coverage begins at USD 100,000 per person.

Road travel can be dangerous across Guatemala, either due to a rise in violent crime or severe weather. Heavy rains have damaged much of the country, and have led to landslides and flooding. Driving standards can also shift drastically from one part of the country to another. 

Clements offers international car insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad. An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest. 

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Guatemala.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

There is a low threat of terrorism in Guatemala. However, there is a global threat of attack, and incidents could target public locations such as those frequently visited by foreigners and expats. 

A War and Terrorism insurance policy from Clements offers the right coverage against the risks of civil unrest, war, riots, looting, and acts of terrorism.

Clements also provides a Kidnap and Ransom insurance policy, which ensures financial assistance following a kidnapping, such as independent investigations, negotiations, arrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Guatemala.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions