U.S. Virgin Islands Travel Insurance Plans

In this article:

• Travel Insurance Plans for the U.S. Virgin Islands
• The U.S. Virgin Islands Travel Tips and Safety Information
• Other The U.S. Virgin Islands FAQs

Travel insurance is not a requirement for entry to the U.S. Virgin Islands; however, you may want to consider a travel insurance plan with comprehensive coverage to protect your travel investment. The U.S. Virgin Islands are a popular cruise stop, which means you’re likely to want certain expenses you want covered with a travel insurance plan. Many travelers opt for a travel insurance plan that includes medical expense coverage as well, since you never know when you may get sick or injured.

Our Preferred Plan is a great place for travelers to start. It includes popular coverages such as baggage delay, trip cancellation, medical expense coverage and more. Travelers can customize their travel insurance plan with optional upgrades such as rental vehicle damage coverage or our Adventure Sports Bundle. Additionally, all of our travel insurance plans come with access to Travel Guard’s 24-hour emergency travel assistance, so you aren’t left to handle certain unexpected travel mishaps alone.

Travel insurance plans usually cost around 5-7% of the total price of your trip. Several factors come into play when it comes to pricing your travel insurance plan, which may include the product you choose and the number of eligible travelers added to your travel insurance plan. For more details on pricing, check out our article on how much travel insurance costs.

To help ensure travelers to the U.S. Virgin Islands are safer and more informed, Travel Guard has compiled some popular questions asked by tourists visiting the country.

For the latest information related to COVID-19 travel requirements for the U.S. Virgin Islands, please visit the official CDC website.

The U.S. Virgin Islands have an overall low crime rate and are considered a safe place for tourists of all ages. Travelers are most likely to be affected by petty crimes such as pickpocketing and bag snatching, but occasional incidents of violent crime do occur. Visitors should remain aware of their surroundings, avoid walking alone or after dark, stay within populated areas and should not carry large amounts of cash or valuables. 

Like other Caribbean destinations, there are plenty of opportunities to enjoy the sun, take part in various water activities or go on adventures. The sun can be intense, so wearing sunscreen and staying hydrated is important. However, sunscreens containing oxybenzone, octinoxate and octocrylene are banned in the U.S. Virgin Islands. Always be aware of risks of rip tides and follow general water safety best practices. For any activities or excursions, only book through trusted providers, preferably in advance of travel.  

Travelers visiting the U.S. Virgin Islands should also keep close watch of the weather during hurricane season, as the islands are at risk of severe tropical weather. It is always a good idea to prepare for the potential of a trip cancelation if traveling during higher-risk months.

The official currency of the U.S. Virgin Islands is the U.S. Dollar. Most vendors will accept debit and credit cards, though it may be helpful to carry a small amount of cash on your person. Be sure to inform your bank of your travel plans to avoid any issues with your cards.

English is the official language of the U.S. Virgin Islands with most residents speaking the language; however, Spanish and French Creole are commonly spoken as well.

Travelers from the U.S. do not need a visa or passport to gain entry to the U.S. Virgin Islands. U.S. citizens will still need a government-issued form of ID when leaving the islands and returning home.

Since the U.S. Virgin Islands are a territory of the U.S., there is no U.S. Embassy in the U.S. Virgin Islands. If you need help while you’re traveling with a Travel Guard travel insurance plan, contact our specially trained representatives for emergency travel assistance, and they will be happy to help.

The U.S. Virgin Islands have high temperatures year-round due to its tropical climate. May to October are the islands’ hottest months and the most rainfall occurs between May and December. The dry season on the islands occurs from January to April with December to March having the lowest temperatures. Hurricane season typically lasts from June to November; however, hurricanes can occur any time during the year, so it’s important to check the weather before heading off on your vacation.

The best time of year to visit the U.S. Virgin Islands is from April to June as this is when temperatures on the islands are most pleasant and rainfall is lower compared to the following months. The most popular time of year is the winter season as many tourists escape the cold to enjoy the Caribbean sun; however, prices are typically increased this time of year. For a budget-friendly trip to the U.S. Virgin Islands, consider visiting from July to November, but be prepared to see some rain as this is the wet season in the islands.

The dial code for the U.S. Virgin Islands is +1+340 followed by the seven-digit number of the person you’re trying to reach. When calling back home on vacation, use the U.S. exit code of +1 followed by the area code and phone number you’re trying to reach. Before departure, be sure to let your phone company know of your travels to avoid interruptions.

Travelers from the U.S. visiting the U.S. Virgin Islands can use and charge their devices as normal without a power convertor or plug adapter.

Yes! Families with all ages will find something they enjoy on the islands. St. Thomas and St. Croix being the most family-friendly of the three islands. Families can enjoy snorkeling at gorgeous beaches, visiting the popular open-air aquarium Coral World Ocean Park, learning about the history of pirates in the Caribbean and so much more.

Travelers visiting the island with a pet must ensure requirements for travel are met, such as proper documentation for your animal. For a complete list of requirements for pet entry to the U.S. Virgin Islands, visit the official USDA website. 

Travel Guard offers comprehensive and customizable travel insurance plans for travelers visiting the U.S. Virgin Islands. With excellent coverage and specialized emergency travel assistance representatives ready to help you at any time, Travel Guard is there for you. Compare our popular plans and find the best one for you!