Nicaragua Risk Assessment Country Guide 

The tropical, Central American nation of Nicaragua lies between the Pacific Ocean to the west and the Caribbean sea to the east. With a population of nearly six million, the country is home to a variety of unique ethnicities and cultures, spanning from indigenous tribes to Europeans and Africans. 

According to the UK Foreign & Commonwealth Office (FCO), thousands of foreign nationals travel to Nicaragua each year. Most visits are uneventful, although a high level of crime and health risks could pose potential problems. 

On June 29, 2016, the state department issued a travel alert for Nicaragua due increased government scrutiny of foreigners’ activities, new requirements for volunteer groups, and the potential for demonstrations during the upcoming election season.

Therefore, it is advisable that you take out adequate international insurance coverage prior to leaving your home country. Having the right policies in p lace can help limit the financial costs associated with life abroad in Nicaragua. 

  • Health
  • Safety & Security
  • Terrorism

In November 2015, the first local transmission of Zika virus infection was reported in Central America, including Nicaragua. There have been 29 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.  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.

The quality of health care in Nicaragua can be unpredictable. Public hospitals often lack necessary supplies, and payment for services may be required before any treatment is administered. Some private hospitals may accept credit cards as a form of payment. 

Patients often need to understand or be fluent in Spanish well in order to receive the appropriate medical care. Emergency services typically transport patients to the nearest facility, which is likely to be a public institution. If you can demonstrate you can pay for treatment, you may be taken to a private hospital. 

You should contact your primary care physician before leaving your home country. Any possible vaccinations and other preventative measures may be required. Dengue fever is common all across Latin America and the Caribbean and the number of these cases has recently been on the rise.

Clements Worldwide offers GlobalCare® health insurance. Policies include USD 5 million in health care benefits, and allows you to choose any number of doctors across the world. Clements coverage enables  flexible payment plans, choice of deductible and optional War and Terrorism coverage. This coverage extends your policy to include illness or injury caused by an act of war and terrorism. 

In some cases, you may need to travel or leave Nicaragua in order to receive desired medical care. A Clements Medical Evacuation and Repatriation insurance policy 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 Nicaragua.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

The political situation in Nicaragua can be unstable at times. Demonstrations, rallies and protests could occur with little advance notice. You should take care to avoid all of these public gatherings, since past incidents have turned violent. In some cases, access to and from the airport has been affected. 

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 conditions throughout Nicaragua are poor. Large potholes can appear in short amount of time, and street lighting is minimal even on major highways and within towns. Drivers in the country have been known to behave erratically, and vehicle conditions are poor as well. Many people disobey traffic signals.

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 Nicaragua.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

There is a low threat of terrorism in Nicaragua. However, global risk is high, and indiscriminate attacks could take place near public locations often visited by expats and foreign travelers. 

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.

There is a low to moderate risk of kidnapping in the country. Express kidnappings have occurred, with some victims targeted in unauthorized taxis. Ransom is demanded for release after a short period of time. A Kidnap and Ransom insurance policy from Clements ensures financial assistance following a kidnapping, such as independent investigations, negotiations, and the 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 Nicaragua.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions