My wife and I, both USA citizen expats in Cuenca, have worked with Carlos Ramirez at Blue Box Insurance for two years. I decided to get insurance to supplement IESS. In my experience, Carlos is a true professional in an Ecuadorian industry that can be unprofessional and even fraudulent.
In the fall of 2020, my wife and I visited the USA to be with my father-in-law, who was ill. I got bitten by a tick and contracted Lyme Disease. The insurance I bought through Carlos to cover us while in the USA instructed me to get care at a local hospital emergency room. The costs were quite high, and I was very ill. After I recovered, the hospital billed the USA office of the travel insurance company. I was well below their cost limit. Communication was extremely difficult with insurance representatives at the Miami office of the insurance company. Over the next 9 months, that company lost the records, denied ever having them, asked for the records over and over, and then went missing for weeks and months. Before the time the company finally paid, I mounted a pressure campaign to force the company to pay. Lawyers helped a little, but Carlos Ramirez was the one who had the ear of the insurance company and the Ecuadorian insurance regulators. He and I worked closely nearly every week for 9 months to get this done. Throughout the process, Carlos was a voice of reason and a consistent influence to get the company to finally pay. When I was finally going to file suit in Ecuadorian courts, he was able to get the company to pay.
I haven’t found another insurance agent in Ecuador who is willing to go to such lengths to get things done, the way Carlos was. He didn’t avoid me, even when I was angry with the lack of action by the insurance company. As the agent, he wasn’t totally obliged to do all he did; he could have just said it was out of his control and left me hanging. But he stayed with it until we got satisfaction, just before my medical bills were referred to collection agencies in the USA.
I highly and unreservedly recommend Carlos Ramirez for your insurance needs. Especially now, when Ecuadorian medical resources are stretched thin, it’s important to have a pro who can help you navigate the murky waters of insurance in Ecuador. My wife and I have moved to the USA to be with her father as he dies; Carlos has made this difficult period less difficult than it could have been. He’ll be there for you, too, I’m sure.
USA phone 601 522 1296
Address: Ordoñez Lasso, near Los Cedros
Contact information: +593 98 246 5168
Recommended by Paul Green: +1 601 522 1296