Panama Risk Assessment Country Guide 

Working in Panama

The small Central American nation of Panama is home to nearly four million people, spread across its diverse landscape of mountains, hills and coastline. Many foreigners visit the country each year, and most people report little to no problems while they are within the country.

Although there is a low threat of terrorism in Panama,  crime rates are high and travel conditions can potentially be dangerous, according to the UK Foreign & Commonwealth Office (FCO). Given these risks, it is recommended that you consider comprehensive international insurance prior to leaving for the country. 

  • Health
  • Safety & Security
  • Terrorism

Before leaving for Panama, you should contact your primary care physician to discuss all appropriate vaccinations or other preventative measures. There are only a few adequate medical facilities across the country. However, Panama City itself has quality private hospitals and clinics.

In November 2015, the first local transmission of Zika virus infection was reported in Central America, including Panama. There have been 95 cases reported. Local transmission means that mosquitoes in the area have been infected with Zika virus, spreading it to people. Although there is no cure or vaccine for Zika, take standard precautions against mosquito bites and practice safe sex. Talk to your doctor or nurse if you develop a fever with a rash, joint pain, or red eyes. Pregnant women should consider postponing travel.

Common diseases are malaria and dengue fever. Hotspots for these diseases include San Miguelito, Chilibre, Las Cumbres, Mananitas, Tocumen and several others areas. Yellow fever risk increases in the provinces of Darien and San Blas, as well as eastern Panama.

Recent information from the UNAIDS/WHO Working Group estimates that nearly 20,000 adults in Panama are living with HIV. The prevalence percentage for the country is almost one percent of the population.

Clements Worldwide provides GlobalCare® health insurance, offering medical benefits effective anywhere in the world beyond your home country. Policies include coverage for you and your family overseas, as well as flexible payment options and choice of deductible. You will have USD 5 million in health care benefits, and an optional War and Terrorism extension is available.

If you need to travel in order to access adequate medical care, Clements also offers a Medical Evacuation and Repatriation insurance policy. This covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment within Panama.

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 Panama.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

The political situation in Panama is relatively stable. However, demonstrations can occur, especially in Panama City, Panama University and the main road called Transistmica. Protests led by construction workers, local groups and students have turned violent, so you should use caution near any large gatherings.

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.

Driving standards in Panama are poor. While the road system is generally functional, traffic can be heavy and road accidents occur often. In Darien Province in particular, few roads are surfaced and drivers there should be cautious. Maintenance standards are lax for most Panamanian vehicles.

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 Panama.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

There is a low threat of terrorism and kidnapping in Panama. However, there is a global risk of attack, and targets could include public places often 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, 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 Panama.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions