Panama Travel Insurance and Destination Guide

March 25, 2025

Nestled at the crossroads of Central and South America, Panama is a vibrant destination that offers a unique blend of natural beauty, rich history, and modern sophistication. Known for its iconic Panama Canal, this tropical paradise boasts lush rainforests, pristine beaches, and a diverse array of wildlife. Panama caters to adventurers, culture enthusiasts, and beach lovers alike. Its warm hospitality, affordable travel options, and year-round tropical climate make it an ideal getaway for travelers seeking both relaxation and adventure.

While Panama’s allure is undeniable, it’s essential to prioritize your health and safety when planning your trip. Travel insurance for Panama, such as the plans offered by SafeTrip, can help make sure that you’re protected against unexpected events like trip cancellations, medical emergencies, or lost luggage. Whether you’re zip-lining through the jungle or navigating bustling city streets, having tailored coverage allows you to fully immerse yourself in Panama’s wonders with less worries.

In this guide, we’ll explore everything you need to know about traveling to Panama and why securing travel insurance is a crucial step in your journey.

Traveling to Panama

A land of contrasts, Panama seamlessly blends modern cityscapes with unspoiled natural beauty, offering travelers a unique mix of adventure, culture, and relaxation. Whether you're drawn to its historic sites, tropical beaches, or lush rainforests, Panama has something for everyone.

Places to go and things to do

Panama’s diverse landscapes and attractions make it a playground for exploration:

• Panama City: Explore the modern skyline, visit the iconic Panama Canal, and wander through the historic streets of Casco Viejo, a UNESCO-listed colonial district filled with cafes, plazas, and vibrant nightlife.
• San Blas Islands: Relax on pristine white-sand beaches, snorkel in crystal-clear waters, and experience the unique culture of the Guna Yala people.
• Bocas del Toro: A tropical paradise for snorkeling, surfing, and wildlife spotting, with overwater bungalows and laid-back island vibes.
• Boquete: A charming mountain town known for its coffee farms, hiking trails, and the Barú Volcano, Panama’s highest peak..
• Pearl Islands: A group of stunning islands in the Pacific, perfect for whale watching, luxury resorts, and secluded beaches.
• Soberanía National Park: A haven for birdwatching and eco-tourism, located just outside Panama City and home to the famous Pipeline Road.
• Santa Catalina: A top destination for surfing and diving, with access to the incredible Coiba National Park, a marine reserve teeming with wildlife.

Best times to visit Panama

Panama’s tropical climate makes it a year-round destination, but the best time to visit depends on your preferences.

The dry season, from mid-December to April, is ideal for outdoor activities and beach vacations, with sunny days and minimal rainfall. However, this is also peak tourist season, so expect larger crowds and higher prices.

The rainy season, from May to November, offers fewer tourists, lush green landscapes, and lower costs, though afternoon showers are common. If you’re planning to visit during this time, focus on regions like Bocas del Toro or the Caribbean coast, which tend to have more favorable weather.

Travel insurance for Panama

No matter when or where you travel in Panama, having tailored travel insurance is essential. From unexpected medical emergencies to flight cancellations and lost baggage, the right coverage can protect against unforeseen events. With SafeTrip travel medical insurance and trip protection plans, you can enjoy your journey with confidence, knowing that you're covered for health care needs and travel disruptions, allowing you to focus on making the most of your Panama adventure.

Why you need travel insurance in Panama

Traveling to Panama offers an exciting mix of adventure, culture, and relaxation, but there is always the chance of things going awry. Having travel insurance for Panama can protect against disruptions and emergencies unique to this destination.

Coverage for trip cancellations and interruptions

Panama’s tropical climate and remote destinations can sometimes lead to unforeseen disruptions. Whether it’s a sudden storm or a family emergency, trip cancellation and interruption coverage can reimburse you for non-refundable expenses like flights, accommodations, and tours. This is especially important if you’re visiting during the rainy season or booking expensive excursions like a Panama Canal tour or a stay in the San Blas Islands.

Protection against theft and loss

While Panama is generally safe for travelers, petty theft can occur in crowded areas or tourist hotspots like Panama City’s Casco Viejo or Bocas del Toro. Travel insurance can cover the loss or theft of personal belongings, such as passports, electronics, or luggage, giving you confidence as you explore bustling markets or relax on the beach.

Emergency evacuation and assistance

Panama’s remote and rugged landscapes, such as the Coiba Island, can pose challenges in case of a medical emergency. Emergency medical evacuation coverage can help you to be transported to the nearest medical facility or even back home if necessary. Additionally, 24/7 support can help you navigate language barriers, locate medical care, or coordinate logistics during a crisis.

Travel delays

Flight delays and cancellations are not uncommon in Panama, especially during the rainy season when weather can disrupt travel plans. Travel insurance can reimburse you for additional covered expenses like meals, accommodations, and transportation if your flight to Bocas del Toro or David is delayed, helping keep your trip on track.

What to consider when choosing travel insurance for Panama

Selecting the right travel medical insurance for Panama requires understanding your itinerary and specific needs:

• Trip details: Consider the length of your stay, the regions you’ll visit, and the type of accommodations you’ve booked. For example, if you’re planning a multi-city itinerary that includes Panama City, Boquete, and the San Blas Islands, try to check that your policy covers all destinations.
• Coverage limits: Panama’s health care system is reliable in urban areas but limited in remote regions. Opt for a plan with sufficient medical coverage limits to account for potential emergencies, especially if you’re venturing into rural or jungle areas.
• Activities: If your itinerary includes adventure activities like hiking, snorkeling, or zip-lining, make sure your policy covers these activities. Some plans may exclude high-risk adventures, so read the fine print carefully.

By selecting a travel insurance plan tailored to your Panama adventure, you can focus on enjoying the country’s breathtaking landscapes, vibrant culture, and unforgettable experiences.

SafeTrip travel insurance plans

SafeTrip offers a variety of travel protection plans designed to meet the needs of travelers exploring Panama’s diverse landscapes—from bustling cities to remote islands and rainforests. All plans include 24/7 support from the Emergency Response Center so you can know there is help a phone call away

International Travel Medical Plus

For travelers seeking tailored protection, the International Travel Medical Plus plan offers robust medical coverage limits that can help access quality health care in case of an emergency. This plan includes:

• Emergency medical coverage for illnesses or injuries while in Panama.
• Medical evacuation services, crucial for remote areas like San Blas Islands, where medical facilities are limited.
• Trip cancellation and interruption coverage, in case of weather-related flight cancellations or unexpected personal emergencies.

International Travel Medical

If medical security is your primary concern, the International Travel Medical plan provides essential health coverage, helping to keep you protected throughout your journey in Panama. This plan is ideal for travelers who want:

• Access to medical care and referrals, especially useful when traveling beyond major cities like Panama City or David.
• Emergency evacuation, offering confidence for those venturing into Panama’s remote rainforests or islands.
• Medical support without trip interruption benefits, making it a cost-effective option for those focused solely on health coverage.

Each SafeTrip plan is designed to provide you with added confidence, so you can fully enjoy Panama’s stunning beaches, vibrant cities, and thrilling adventures. From unexpected medical emergencies to lost luggage, SafeTrip can help keep you covered, allowing you to focus on making unforgettable memories.

Panama travel health tips

Staying healthy while traveling is key to enjoying your adventure in Panama. Here are essential tips to help you stay safe and well during your trip.

Emergency contact numbers and local assistance.

Emergency Numbers to be dialed locally:

• Nationwide emergency number: 911
• Fire: 103
• Police: 104

Health care payment

In Panama, doctors and hospitals often require immediate cash payment for health services, including emergency care. While most hospitals accept credit cards for hospital charges, they typically do not accept them for doctors’ fees. This means travelers should be prepared to pay cash for medical consultations and treatments.

It’s advisable to carry sufficient cash or that you have access to funds in case of unexpected medical expenses. Travel insurance with medical coverage can help reimburse these costs, but upfront payment is usually necessary at the time of service.

Hospital care

Panama City is home to advanced medical facilities, including numerous hospitals and clinics staffed by U.S., Canadian, and Western European-trained physicians and specialists. These hospitals are equipped with modern technology and can provide specialized care.

However, for more complex medical interventions, evacuation to the United States may be required. Outside Panama City, state-run hospitals are not recommended due to outdated technology, less comfortable accommodations, and a shortage of highly trained specialists. For the best care, travelers should seek treatment at private hospitals in Panama City.

Medications

Medications in Panama, including many international brands, are widely available. Many U.S. prescription drugs can be purchased over the counter, making it convenient for travelers who need to refill prescriptions.

However, quality control of pharmaceuticals can be inconsistent, so it’s recommended to purchase medications from reputable pharmacies associated with hospitals like Hospital Nacional or Hospital Clinica San Fernando. Travelers should verify the authenticity and quality of medications before purchasing.

Non-urgent care

For non-urgent medical needs, private facilities in Panama City are the best option. These clinics offer outpatient services, including X-rays and laboratory tests, and often have highly qualified, English-speaking doctors. General practitioners and specialists operate in private practices, and no referral is needed to see a specialist.

Additionally, Panama City provides high-quality dental care, with many U.S.-trained and English-speaking dentists available. However, outside Panama City, the sterility of dental equipment cannot always be guaranteed, so travelers with dental emergencies should consider deferring treatment until they return to the city or their home country. For routine or non-urgent care, private clinics in Panama City offer reliable and efficient services.

By understanding Panama’s health care system, travelers can better prepare for medical expenses, prescription needs, and emergency situations, creating a safer and less stressful journey.

Frequently asked questions about traveling to Panama

Planning a trip to Panama? Get answers to the most frequently asked questions about traveling to this stunning destination.

Do U.S. citizens need travel insurance in Panama?

While travel insurance is not a mandatory requirement for U.S. citizens visiting Panama, it is highly recommended. Travel insurance can help protect against unexpected expenses, including medical emergencies, trip cancellations, and lost luggage. The right plan can provide added confidence, and help you be financially protected in case of unforeseen disruptions to your trip.

What vaccinations are required?

Panama does not require vaccinations for entry. However, travelers heading to areas east of the Panama Canal are advised to get a yellow fever vaccination. Additionally, malaria prophylaxis is recommended for visitors traveling to risk areas, particularly provinces along the Atlantic coast and border regions with Costa Rica and Colombia. For the most up-to-date guidance, travelers should consult the U.S. Centers for Disease Control and Prevention (CDC).

Entry requirements and visa information

All travelers entering Panama must have a passport valid for at least three months beyond their arrival date. Some exceptions apply, including seamen on duty, United Nations Laissez-Passer holders, and travelers with Organization of American States (OAS) travel documents.

Visa requirements:

While visas are generally required for entry, many nationalities are exempt from this rule for short stays.

• Travelers from the U.S. and many other countries (including Canada, Australia, and most of Europe) can stay visa-free for up to 180 days.
• Nationals of certain countries (e.g., Cameroon, Ghana, Philippines) may enter visa-free if they hold a valid multiple-entry visa issued by Andorra, Australia, Canada, the U.S., or an EU Member State. This allows stays of up to 180 days for some and 30 days for others, provided the visa has been used and is valid for at least two more entries.
• Other travelers must secure a visa before arrival.
• Visitors must demonstrate sufficient funds of at least $500 USD per person to cover their stay and provide proof of onward or return travel.

Please see the U.S. Department of State website for up to date visa information.

Understanding these requirements before your trip will help avoid complications upon arrival and can help with compliance with Panamanian immigration laws.

Imports and exports

Panama has relatively relaxed import and export regulations, with a few notable exceptions:

• Pets: There are restrictions on bringing pets, including birds, dogs, and cats, into Panama. Make sure you comply with animal import regulations, which may include health certificates and vaccination records.
• Currency: There are no restrictions on importing or exporting foreign or local currencies, making it convenient for travelers to carry cash or exchange money as needed.

These straightforward rules make it easy to prepare for your trip, whether you’re bringing personal belongings or planning to shop for souvenirs to take home.

Entry and departure taxes

Travelers departing Panama are subject to an airport departure tax of $40 USD. This fee is typically included in the cost of your airline ticket, but it’s always a good idea to confirm with your airline beforehand. Understanding this charge helps you budget accordingly and can help you to avoid surprises when leaving the country after your Panamanian adventure.

By familiarizing yourself with these FAQs, you’ll be better prepared to navigate the logistics of traveling to Panama and enjoy a seamless experience.

Panama travel tips and safety information

To make the most of your Panama adventure, it’s important to stay informed—here are essential travel tips and safety information to help you navigate this captivating destination.

Local customs in Panama

Panama has a rich cultural heritage influenced by Latin American and Western traditions. Understanding local customs and etiquette can help visitors navigate social and business interactions smoothly. Here are some key points to keep in mind:

• Shaking hands is the standard greeting in Panama, while close acquaintances may greet each other with a hug and a light kiss on the cheek.
• Politeness is highly valued, and greetings are often warm and friendly.
• Conversational space in Panama is closer than in many Western countries, but physical touch during conversations is less common compared to other Latin American nations.
• Panamanians often point by pursing their lips and tilting their head in the direction of the object or person being referenced, a unique and widely accepted gesture.
• Titles are important in Panama; address individuals by their professional title (e.g., Doctor, Professor) or use "Señor" (Mr.) or "Señora" (Mrs./Ms.) if unsure.
• Men are expected to show chivalry, such as offering their seat on public transportation to women, the elderly, or pregnant individuals.
• In formal settings, men may wait for women to be seated first at the table and rise when a woman leaves the table, reflecting traditional courtesies.
• Panamanians take pride in their appearance and dress well for both social and business occasions.
• Business attire is typically elegant and conservative, with suits being standard for meetings. Dressing appropriately can influence how you are perceived and treated.
• Punctuality is important in professional settings, but social gatherings tend to have a more relaxed approach to timing. Arriving a few minutes late to social events is generally acceptable.
• A 10% tip is customary at restaurants unless a service charge is already included in the bill. Tipping taxi drivers is not required, though rounding up the fare is appreciated for good service.
• Homosexuality is legal in Panama, but societal attitudes toward LGBTQ+ individuals can vary, and same-sex marriage remains illegal. Public displays of affection among same-sex couples may attract unwanted attention in more conservative areas.
• Family plays a central role in Panamanian society, and family obligations often take precedence over individual plans.
• Avoid discussing sensitive topics like politics or corruption unless you’re familiar with the local context, as these subjects can evoke strong opinions.
• Panama celebrates numerous festivals and holidays, such as Carnival and Independence Day, where locals dress in vibrant costumes and participate in parades. Joining in these celebrations is a great way to immerse yourself in the culture.
• Always ask for permission before taking photos of people, especially in indigenous communities like the Guna Yala region, where photography may have cultural restrictions.

By respecting these customs and adapting to local norms, you’ll foster positive interactions and gain a deeper appreciation for Panama’s rich cultural heritage.

Staying safe in urban and rural areas

Panama is generally safe for travelers, but like any destination, it has certain risks. Being aware of potential hazards can create a smooth and secure trip. Here are key safety considerations:

• Crime in Panama is moderate by regional standards, with street crime being the primary security concern for travelers. Remain vigilant, especially in crowded areas and tourist hotspots, to avoid petty theft and pickpocketing.
• Demonstrations and labor strikes are common in Panama and can disrupt travel plans. Protesters often block major roadways across the country, so monitor local news and avoid areas affected by protests.
• Travelers are advised to avoid the Darién Province, located along the border with Colombia, due to its remoteness and reports of criminal activity.
• The “Mosquito Coast” along Panama’s north coast should also be approached with caution, as it is prone to health risks and limited infrastructure.
• Panama is vulnerable to natural disasters, including earthquakes, flooding, and mudslides, particularly during the rainy season (May to November). Stay informed about weather conditions and follow local authorities’ guidance during emergencies.
• In urban areas like Panama City, use licensed taxis or rideshare apps to avoid transportation scams.
• In rural areas, carry a first-aid kit and make sure your phone is charged in case of limited connectivity.
• Always keep copies of important documents, such as your passport and travel insurance details, in case of emergencies.

By staying aware of these safety considerations and planning ahead, you can minimize risks and focus on enjoying all that Panama has to offer.

Additional tips for traveling to Panama

When visiting Panama, it's important to be aware of key details regarding currency, language, safety, and health risks. Here are some important points to keep in mind:

• Currency: The official currency is the U.S. dollar, locally referred to as the balboa. Coins are issued in Panamanian balboas but are equivalent in value to U.S. cents.
• Cash is more commonly used for daily transactions, especially in smaller establishments and rural areas. Always carry small denominations of cash for convenience, as change for large bills may be hard to come by in some areas.
• Credit cards are widely accepted in urban areas like Panama City, but acceptance is limited to high-end hotels and restaurants in rural regions.
• Language: Spanish is the official language and is spoken by the majority of the population. English is commonly spoken among the West Indies immigrant population and in tourist-heavy areas, but learning a few basic Spanish phrases can be helpful.
• Health Risks: Travelers are at risk for malaria and other insect-borne tropical diseases, particularly in rural and jungle areas. Take preventive measures such as using insect repellent and consulting your doctor about antimalarial medications.
• Food and water safety is not guaranteed outside of major hotels and resorts. Drink bottled or purified water and avoid raw or undercooked foods from street vendors. 

By keeping these considerations in mind, you’ll be better prepared to navigate Panama’s diverse environments and enjoy a safe, memorable experience.

Choose SafeTrip for your Panama travel insurance

When traveling to Panama, your health and safety is a top priority. UnitedHealthcare Global's SafeTrip travel insurance is designed to give you added confidence while exploring the country’s vibrant cities, lush rainforests, and stunning beaches.

With coverage tailored specifically for Panama, UnitedHealthcare Global's SafeTrip offers robust medical coverage, emergency evacuation, and 24/7 assistance services. Whether you're hiking in the mountains, snorkeling in Bocas del Toro, or enjoying Panama City's urban charm, our plans can help cover you for a variety of activities and unexpected situations.

Choose SafeTrip for your Panama travel insurance and travel with confidence, knowing you have the best protection by your side.