Travel Insurance Plans for Your Trip to the Caribbean

Hurricanes, tropical storms, flight delays, lost or delayed luggage and medical emergencies on remote islands can be challenging and costly. Since many U.S. health insurance plans may not provide coverage outside the country, having a Travel Guard travel insurance plan can not only help reimburse certain covered emergency medical expenses but also provide valuable help in finding medical care.

Island hopping? With 24/7 emergency travel assistance from Travel Guard, you’ll have support every step of the way.

Trusted by millions

As part of the Zurich Cover-More family, we’re proud of our reputation for reliability and effective assistance in managing travel emergencies.

Global support

With service centers placed strategically around the globe, our 24/7 multilingual team is always just a phone call away and ready to assist when our customers need us most.

Customizable plans

With a range of benefit limits and optional add-on coverages, we’ll help you create the right plan for you.

24/7 Emergency travel assistance

Specialized teams for emergency travel assistance, medical and security services with more than 40 languages spoken on-site.

A longer vacation with higher trip costs may cost more than a short getaway. Choosing a plan with higher benefit limits will also affect the price.

Keep in mind that while a travel insurance plan for a trip to the Caribbean does add a little extra onto your budget, it’s worth it if the unexpected happens. Accidents, delays and lost luggage can ruin a trip, but knowing you have coverage for certain expenses can alleviate some stress and worry!

With Travel Guard, you can compare different plans side by side to find the right balance of coverage and cost for your needs. That way, you’ll know you’re getting value from your travel insurance plan, as well as greater peace of mind for your trip.

Travel insurance is not required for most Caribbean destinations. However, some resorts or islands may request proof of coverage, so check requirements before traveling. A travel insurance plan is strongly recommended to help protect your trip investment.

Many U.S. health insurance plans may not have international coverage. To make sure you don’t risk having to pay unexpected emergency medical costs, purchasing a travel insurance plan is essential. The U.S. Department of State recommends travel insurance that covers health, medical evacuation and trip cancellation when traveling internationally to help protect you against unexpected expenses. 

Travel Guard travel insurance plans are designed to cover you when traveling outside the U.S., including trips to the Caribbean. Instead of offering one single “worldwide” plan, we provide a range of options that can be tailored to your individual trip details, like your destination, travel dates and the level of coverage you want. If you’re planning a Caribbean vacation, you can select a plan that includes the coverage you may need, such as emergency medical expense coverage, trip cancellation or interruption, as well as our 24/7 assistance services.

Yes. In the event of a covered hurricane or other certain unforeseen severe weather, a travel insurance plan may provide certain coverage under Trip Cancellation and Interruption (as long as you purchased your policy before the storm was named). If your trip is cancelled for a covered reason, we may reimburse for the pre-paid and non-refundable trip costs up to the limit of coverage, subject to the terms of the insurance policy. Read our full article on “What you need to know about Hurricanes and Travel Insurance Coverage” for more information.

Travel Guard’s base plans typically cover lower-risk activities like snorkeling or most hiking. However, if you’re planning adventurous or extreme activities like scuba diving, hang gliding and mountain climbing for example, you’ll want to make sure and add Travel Guard’s Adventure Sports Bundle to your travel insurance plan. The Adventure Sports Bundle removes the exclusions on the policy related to adventurous and extreme activities.

Healthcare standards and access can vary across the Caribbean. Private medical care can be expensive and if you’re visiting more remote locales, the cost to transfer you somewhere with the appropriate level of care can be expensive as well. A comprehensive travel insurance plan with Travel Medical Expense coverage and Emergency Evacuation is essential for greater peace of mind.