Insurance in Panama — Car, Home & Health for Expats
Why insurance is critical when settling in Panama
Moving to Panama without proper coverage is a real risk. The public healthcare system is accessible but limited. A car is essential in Panama City and third-party liability insurance is mandatory. Your home must be protected against the region's specific climate risks (floods, earthquakes).
The challenge for expats: navigating a local insurance market in Spanish, with contracts that are hard to compare and coverage that is often misunderstood.
What we handle for you
Insurance we cover
Car insurance
Third-party liability is mandatory in Panama. We compare local offers and help you choose the right coverage: mandatory liability, comprehensive, roadside assistance. Rates in Panama are generally far lower than in Europe.
Home insurance
Whether renting or owning, apartment or house, your home needs protection. We guide you through fire, water damage, theft and civil liability coverage. Essential in a country exposed to tropical climate risks.
International health insurance
The number one priority for any expat. French health insurance does not cover outside France — once you are a resident in Panama, you need local or international health coverage. We match you with the right plan: general care, hospitalisation, repatriation, dental, maternity.