Travel insurance for Maracaibo has to be discussed alongside a fact bigger than any single risk in the city itself: Maracaibo sits in Venezuela, and many governments currently advise against travel to Venezuela altogether, which materially changes what a travel insurance policy can honestly be expected to cover. Before anything else, check your own government's current advisory for Venezuela, since that status is the first thing most insurers will reference when a claim is assessed.
The practical effect is direct. Many travel insurance policies carry a standard exclusion for trips to a country under a do-not-travel advisory, meaning claims from that trip - medical treatment, evacuation, cancellation, theft, anything - can be declined under general terms even if the underlying event is unrelated to the reason for the advisory. This wording is common across the industry rather than specific to one insurer, and it applies to Maracaibo as a city within Venezuela just as it applies elsewhere in the country.
Access and care reality compound this. Maracaibo is Venezuela's second-largest city and has hospitals, but supply shortages and infrastructure strain have affected healthcare access in Venezuela broadly in recent years, and evacuation logistics for a foreign visitor needing specialist treatment can be genuinely difficult to arrange from within the country given current conditions on the ground. This is exactly the kind of situation travel insurance exists for, and exactly the kind an advisory-based exclusion can leave uncovered.
If travel to Maracaibo is unavoidable, the honest step is to contact insurers directly rather than buying a policy online without disclosure, name Venezuela as the destination explicitly, and get any advisory exclusion or its absence confirmed in writing. Never assume a policy covers travel a government currently advises against, and check whether your existing health cover extends abroad and to Venezuela specifically before assuming it applies at all.