Best Puerto Rico Travel Insurance
Healthcare costs in Puerto Rico can be expensive for international travelers, especially when emergency treatment or hospitalization is required. Puerto Rico travel medical insurance can help cover eligible unexpected medical expenses, hospitalization, emergency medical evacuation, and other covered medical emergencies, subject to the policy terms and conditions.
U.S. health insurance may not provide coverage for medical care received in Puerto Rico, so having international travel insurance for Puerto Rico can provide valuable financial protection during your trip. At American Visitor Insurance, travelers can compare a range of travel insurance plans starting from less than $1 per day, with policy maximums ranging from $50,000 to $8 million, and choose coverage based on their travel needs, age, trip duration, and eligibility.
Which Travel Insurance Is Right for Your Trip?
Find travel insurance that fits your destination and needs. Select your route to compare options for Puerto Rico to USA, USA to Puerto Rico, or Puerto Rico to Europe.
Recommended for You
Cheapest fixed-benefit plans for UK visitors to the USA.
- check_circle80% coinsurance until $5,000, then 100%
- check_circleAcute onset of pre-existing conditions up to age 89
- check_circleEmergency medical evacuation: Unlimited
- check_circleFirst Health PPO network · $130 urgent care/visit
- check_circleRenewable up to 364 days
- check_circleFixed benefit plan · pays a set sum after deductible
- check_circleAcute onset of pre-existing conditions under age 70
- check_circleFirst Health / UnitedHealthcare PPO network
- check_circleUrgent care: $85 max/visit · 10 visits max
- check_circleRenewable for up to 2 years
Top picks for acute onset of pre-existing conditions — sudden, unexpected flare-ups.
- check_circleCoverage $50,000-$1,000,000 · 100% in-network after deductible
- check_circleAcute onset of pre-existing conditions up to age 70
- check_circleEmergency evacuation up to $1,000,000
- check_circleUnitedHealthcare & First Health PPO · $25 urgent care copay
- check_circleCoverage $50,000-$2,000,000 · 100% in-network after deductible
- check_circleAcute onset of pre-existing conditions up to age 79
- check_circleEmergency evacuation up to $1,000,000
- check_circleUnitedHealthcare PPO · border entry & adventure sports included
- check_circleCoverage up to $1,000,000 · 100% after deductible
- check_circleAcute onset up to policy max for ages up to 69
- check_circleEmergency evacuation up to $1,000,000
- check_circleFirst Health PPO network · $30 urgent care copay
Full pre-existing condition coverage - not just acute flare-ups.
- check_circleFull pre-existing condition coverage up to age 99
- check_circleCoverage $150,000-$1,000,000 · 80% in-network after deductible
- check_circleUnitedHealthcare PPO network
- check_circleEmergency evacuation up to $25,000
- check_circleBasic pre-existing condition coverage up to age 99
- check_circleMore affordable than INF Elite X
- check_circleUnitedHealthcare PPO network
- check_circleEmergency evacuation up to $25,000
- check_circlePre-existing condition coverage up to age 99 · up to $25,000
- check_circleCoverage up to $250,000 · 75% in-network after deductible
- check_circleUnitedHealthcare PPO · 90-day minimum purchase
- check_circleEmergency evacuation up to $25,000
Coverage built for parents and family members visiting the USA.
See our dedicated guide for parents visiting the USA →- check_circleCoverage $50,000-$2,000,000 · 100% after deductible
- check_circleAcute onset up to policy max for ages up to 79
- check_circleBorder entry protection + adventure sports included
- check_circleUnitedHealthcare PPO · emergency evacuation $1,000,000
- check_circleCoverage $50,000-$1,000,000
- check_circleAcute onset up to policy max for ages up to 70
- check_circleUnitedHealthcare & First Health PPO network
- check_circleEmergency evacuation up to $1,000,000
- check_circleFull pre-existing condition coverage up to age 99
- check_circleCoverage $150,000-$1,000,000
- check_circleUnitedHealthcare PPO · 80% in-network after deductible
- check_circleEmergency evacuation up to $25,000
Built for travelers 65 and older.
- check_circleFull pre-existing condition coverage up to age 99
- check_circleCoverage $150,000-$1,000,000 · best overall for pre-existing
- check_circleUnitedHealthcare PPO · 80% in-network after deductible
- check_circleEmergency evacuation up to $25,000
- check_circlePre-existing condition coverage for travelers over 65
- check_circleCoverage up to $250,000 · 75% in-network after deductible
- check_circleUnitedHealthcare PPO · 90-day minimum purchase
- check_circleEmergency evacuation up to $25,000
- check_circleAffordable option with basic pre-existing condition coverage
- check_circleCoverage up to $1,000,000 · UnitedHealthcare PPO
- check_circleEmergency evacuation up to $25,000
- check_circleAvailable up to age 99
Comprehensive coverage that balances price and protection.
- check_circleCoverage up to $1,000,000 · 100% after deductible in-network
- check_circleAcute onset of pre-existing conditions up to age 79
- check_circleEmergency evacuation up to $500,000
- check_circleUnitedHealthcare PPO network · $30 urgent care copay
- check_circleCoverage up to $150,000 · fixed benefit plan
- check_circleUnexpected recurrence of pre-existing conditions up to $1,000 (ages up to 69)
- check_circleEmergency evacuation up to $25,000
- check_circleFirst Health PPO network access
Cheapest travel medical coverage for the UK.
- check_circleMedical maximum up to $1,000,000 · comprehensive plan
- check_circleDeductible options $0-$5,000
- check_circleEmergency evacuation up to $500,000
- check_circleSchengen-compliant · available 5 days to 12 months
Higher limits and stronger benefits.
- check_circleCoverage $50,000-$2,000,000 · 100% after deductible
- check_circleAcute onset up to policy max for ages up to 79
- check_circleSchengen-compliant · emergency evacuation $1,000,000
- check_circleAdventure sports & border entry protection included
- check_circleCoverage up to $2,000,000
- check_circleIPA provider network across Europe
- check_circleEmergency evacuation up to $500,000
- check_circleSchengen-compliant · available from 5 days
Coverage for existing medical conditions.
- check_circleCovers pre-existing conditions before your trip
- check_circleIncludes emergency evacuation for pre-existing conditions
- check_circleCoverage up to $1,000,000
- check_circleGeoBlue worldwide provider network
- check_circleCovers acute onset of pre-existing conditions up to age 79
- check_circleEmergency evacuation for pre-existing up to $25,000
- check_circleCoverage $50,000-$2,000,000
- check_circleSchengen-compliant
Purpose-built for U.S. travelers 65 and older, from IMG.
- check_circle$1,000,000 coverage up to age 79 · $100,000 for age 80+
- check_circleSecondary to Medicare, Medigap, or Medicare Advantage
- check_circleEmergency medical evacuation up to $25,000
- check_circleAvailable for single international trips from 5 days
Cheapest way to protect your non-refundable trip costs.
- check_circleTrip cancellation 100% of trip cost up to $14,000
- check_circleEmergency medical expense up to $25,000
- check_circleEmergency evacuation up to $250,000
- check_circleMissed connection $250 · baggage delay $200
Highest trip cost and evacuation limits available.
- check_circleTrip cancellation 100% · interruption 150% of trip cost
- check_circleMedical expense up to $100,000
- check_circleMedical evacuation up to $1,000,000
- check_circleOptional CFAR up to 75% · optional IFAR up to 50%
- check_circleMedical coverage up to $500,000 · evacuation $1,000,000
- check_circleTrip costs covered up to $150,000
- check_circlePre-ex waiver within 24 hours of final trip payment
- check_circleOptional CFAR up to 75% · search & rescue $50,000
Plans offering a pre-existing condition waiver.
- check_circleWaiver if purchased within 24 hours of final trip payment
- check_circleTrip costs covered up to $150,000
- check_circleMedical evacuation up to $1,000,000
- check_circleOptional CFAR up to 75% · search & rescue $50,000
- check_circleWaiver if purchased within 20 days of initial trip payment
- check_circleMedical expense up to $500,000
- check_circleMedical evacuation up to $1,000,000
- check_circleOptional CFAR up to 75% · optional IFAR up to 75%
Cancel for a reason not otherwise covered - typically reimburses 50-75% of trip costs.
- check_circleOptional CFAR up to 75% of trip cost
- check_circleTrip cancellation up to 100% · interruption up to 100%
- check_circleMedical expense up to $100,000 · evacuation $500,000
- check_circleOptional IFAR up to 75% · sports equipment rental $250
- check_circleTrip cancellation up to 100% · interruption up to 125%
- check_circleEmergency evacuation up to $1,000,000
- check_circleAD&D up to $25,000 · travel delay up to $2,000
- check_circleBaggage up to $2,000 · missed connection up to $750
Affordable plans that satisfy the €30,000 Schengen visa minimum.
- check_circleIPA provider network access across Europe
- check_circleSatisfies Schengen visa insurance requirements
- check_circleEmergency evacuation up to $500,000
- check_circleAvailable from 5 days up to 12 months
- check_circleLow-cost Schengen-compliant medical coverage
- check_circleAcute onset of pre-existing conditions up to age 79
- check_circleEmergency evacuation up to $1,000,000
- check_circleHigher sub-limits for travelers aged 65-79
Higher policy maximums and stronger pre-existing condition coverage for senior travelers.
- check_circleHigher coverage limits and broader benefits for seniors
- check_circlePre-existing condition coverage for age 65+
- check_circleEmergency evacuation included
- check_circleSchengen-compliant · available up to age 89
- check_circle$50,000-$100,000 coverage for ages 65-79
- check_circleStrong emergency evacuation benefits for longer trips
- check_circleSchengen-compliant · available worldwide
- check_circleUnitedHealthcare PPO network access
Low-cost coverage for students and younger travelers heading to Europe.
- check_circle$50,000-$2,000,000 coverage · 100% after deductible
- check_circleSatisfies Schengen visa requirements
- check_circleEmergency evacuation up to $1,000,000
- check_circleAdventure sports & border entry protection included
Annual multi-trip coverage for flexible, long-term travel across Europe.
- check_circleUnlimited trips within a 12-month period
- check_circleTypical per-trip duration 30-90 days
- check_circleEmergency evacuation included
- check_circleOne policy covers all trips - no per-trip purchases
Which Travel Insurance for USA to Puerto Rico is Right for You?
- Cheapest Travel Medical Insurance for Puerto Rico - Atlas Essential International from $20/month*
- Best Travel Medical Insurance for Puerto Rico - Atlas Premium with pre-existing condition and emergency evacuation benefitsMost Popular
- Best Pre-Existing Condition Travel Insurance for Puerto Rico - Atlas International Premium with acute onset coverage for travelers under 80
- Best Trip Cancellation Insurance for Seniors - iTravelInsured LX with high coverage limits and a CFAR option
- Popular Trip Cancellation Insurance for Puerto Rico - Pathway Premium with up to 100% trip cost protection
- Compare Travel Insurance from USA to Puerto Rico - Explore available travel medical insurance plans and compare coverage, costs, deductibles, and benefits.
Do I Need Travel Insurance for Puerto Rico?
Travel insurance is not generally required for Puerto Rico, but it can help protect travelers from unexpected medical expenses and covered travel disruptions. Before traveling, check whether your existing health insurance provides coverage in Puerto Rico and understand any network restrictions or out-of-pocket costs.
- Puerto Rico is a U.S. territory and a popular destination for beach vacations, cruises, family visits, and outdoor activities.
- U.S. health insurance coverage in Puerto Rico varies by plan, so travelers should check their benefits, provider network, deductibles, and out-of-area coverage before traveling.
- Travel medical insurance may help cover eligible medical expenses, emergency treatment, and other covered benefits, depending on the plan selected.
- Trip insurance may provide benefits for covered trip cancellations, interruptions, delays, baggage problems, and other unexpected travel events.
- Travelers taking a cruise to Puerto Rico may want to consider trip protection because cruises often involve prepaid and non-refundable expenses.
- Those traveling during hurricane season should review the policy's coverage for covered weather-related delays, cancellations, and interruptions.
Medical Coverage
Check your existing health insurance coverage in Puerto Rico. An eligible travel medical plan may provide additional coverage for unexpected medical expenses, subject to the policy terms.
Cruise Travel
Travelers taking a cruise can consider trip insurance to help protect eligible prepaid expenses and provide benefits for covered delays, interruptions, or cancellations.
Hurricane Season
If traveling during hurricane season, review the plan's terms for covered weather-related cancellations, delays, and interruptions before purchasing.
Travel Insurance for Hurricane Season
Hurricane season runs June through November and peak season is August through October. If your Puerto Rico trip falls anywhere in that window, it's worth understanding exactly what travel insurance covers (and what it doesn't) before a storm shows up on the forecast.
The tricky thing about hurricane coverage is timing. Most travel insurance policies only cover a named storm if you purchased your policy before the storm was named. Once a hurricane is on the news and has an official name, insurers consider it a "known event" and known events are generally not covered. This catches a lot of travelers off guard.
Hurricane Coverage - What's Covered and What Isn't
| Scenario | Standard Trip Insurance | Cancel For Any Reason (CFAR) |
|---|---|---|
| You cancel before the storm is named | Usually not covered | Covered (75% reimbursement) |
| Named storm forces airline to cancel your flight | Typically covered | Covered |
| You cancel because you're nervous about the storm | Not covered | Covered (75% reimbursement) |
| Your destination is under evacuation order | Typically covered | Covered |
| Hotel is damaged and uninhabitable | Typically covered | Covered |
| Trip delayed due to storm-related travel disruption | Trip delay benefit applies | Covered |
Buy your travel insurance as soon as you book your trip ideally within 14–21 days of your first trip payment. The earlier you buy, the broader your coverage window. Waiting until storm season ramps up dramatically limits what you can claim.
CFAR (Cancel For Any Reason) must also be added at purchase you can't add it later. If you're traveling during peak hurricane months (August–October), seriously consider adding it.
- June–July: Season begins, risk is relatively low
- August–October: Peak season, the highest risk window
- November: Season winds down, most risk has passed
- December–April: Best time to visit, lowest weather risk
How Much Does Puerto Rico Travel Insurance from USA Cost in 2026?
Trip Cancellation Insurance If you want coverage to protect your non-refundable trip expenses such as flight tickets, hotel bookings, and other reservations in case your trip is cancelled, delayed, or interrupted, consider buying these trip cancellation insurance plans.
The cost of Puerto Rico travel insurance from the USA starts as low as $24 for a 15-day trip with a $1,000 trip cost. The cost of trip cancellation insurance for Puerto Rico depends on Traveler’s age, Type of coverage selected, Length of stay in Puerto Rico, Number of travelers insured. Use our trip cancellation insurance cost calculator to estimate the cost based on your trip details.
Average Trip Cancellation Insurance Cost for U.S. Citizens Traveling to Puerto Rico
This table gives the average trip cancellation insurance cost for different ages. Approximate cost of Trip insurance plans is for a 15 days trip length and $1,000 trip cost.
| Plan | Trip Cancellation | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Protect Trawick International |
100% of Trip Cost, max $14,000 | $24 | $32 | $39 | $74 |
| Pathway Essential Trawick International |
100% of Trip Cost, max $14,000 | $24 | $33 | $53 | $76 |
| ExactCare Insurance BHTP |
100% of Trip Cost, max $14,000 | $24 | $26 | $42 | $64 |
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Looking for trip cancellation insurance for Puerto Rico travel?
The cheap travel insurance to Puerto Rico is Safe Travels Protect starting at $24.
The best travel insurance to Puerto Rico with trip cancellation coverage is Pathway Premium starts at $43 for a 15-day trip with a $1,000 trip cost for a 20-year-old traveler.
Mejor Seguro de Cancelación de Viaje
Compare los planes mejor valorados con sólidos beneficios de cancelación
Travel Medical Insurance for Puerto Rico from USA
Travel Medical Insurance If you want coverage for emergency medical expenses such as hospital bills and doctor visits caused by sudden sickness or injuries from an accident, consider buying these travel medical insurance plans.
The cost of travel medical insurance for Puerto Rico from the USA starts as low as $20 per month. Prices vary based on the traveler’s age, coverage limits, deductible, and length of stay in Puerto Rico.
Travel medical insurance provides: Coverage for doctor visits, Protection for emergency hospital stays, Financial protection against high medical costs abroad, Access to necessary care while traveling
The Puerto Rico medical insurance for tourist shown by default below start at $50,000 for illustration; use the quote form to filter for $100,000+ or $500,000+ limits, which we recommend for this destination
| Plan | Deductible | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Atlas Essential International WorldTrips |
$250 | $20 | $40 | $86 | $263 |
| Safe Travels Outbound Trawick International |
$250 | $26 | $77 | $168 | $296 |
| Atlas International WorldTrips |
$250 | $27 | $54 | $117 | $212 |
Looking for the best travel medical insurance for Puerto Rico travel?
The cheap travel health insurance to Puerto Rico is Atlas Essential insurance starts at $20 per month.
The best health insurance to Puerto Rico is Atlas Premium insurance starts at $38 per month for a 20-year-old traveler.
Travel Medical Insurance for U.S. Citizens Traveling Abroad
Compare plans for medical emergencies, evacuation, and international travel coverage.
Which Is the Best Puerto Rico Travel Medical Insurance for Pre-Existing Conditions
The best Puerto Rico travel medical insurance for pre existing conditions is BCBS Single Trip Platinum insurance. It offers comprehensive coverage for pre-existing conditions, while other top plans provide acute onset or limited coverage for eligible pre existing conditions for travelers from USA to Puerto Rico.
BCBS Single Trip Platinum Insurance
Blue Cross Blue Shield Global Solutions Travel Insurance
Best International Travel Insurance for Acute Onset of Pre-Existing Conditions
American Communities in Puerto Rico
Puerto Rico has strong cultural, family, and business connections with communities across the United States. Many U.S. residents travel to Puerto Rico not only for vacations but also to visit relatives and friends, attend weddings and family celebrations, explore their Puerto Rican heritage, conduct business, or spend extended periods with family.
American and Puerto Rican communities can be found across the island, with San Juan, Ponce, Mayagüez, Carolina, and other cities and towns serving as popular destinations for visitors from the U.S. mainland.
U.S. Citizens Visiting Family in Puerto Rico
Family visits are an important reason for travel between the U.S. mainland and Puerto Rico. Parents may travel to visit children and relatives, grandparents may visit grandchildren, and families may travel together for holidays, weddings, reunions, or other important occasions.
When traveling with children, parents, or grandparents, it's important to consider healthcare needs and existing health insurance coverage before the trip. Travel insurance from the USA to Puerto Rico may provide eligible benefits for unexpected medical expenses, emergency treatment, trip interruption, or other covered situations, depending on the plan selected and its eligibility requirements.
Review the plan's eligibility requirements, coverage limits, exclusions, and benefits before purchasing.
Compare family travel insurance for Puerto Rico from USA to find a plan based on your family's ages, trip duration, budget, and healthcare needs.
Health Insurance for U.S. Residents Traveling to Puerto Rico
U.S. residents traveling to Puerto Rico should check their existing health insurance coverage and travel medical insurance eligibility before their trip. Many U.S. health insurance plans may provide coverage in Puerto Rico, but coverage, provider networks, deductibles, and out-of-pocket costs can vary by plan.
For eligible travelers who need additional protection while traveling, travel medical insurance may help provide coverage for eligible medical expenses during the trip. Benefits, exclusions, coverage areas, and eligibility vary by plan.
If you have pre-existing conditions, check whether the selected plan provides acute onset or other eligible pre-existing condition benefits, as coverage and eligibility vary by plan.
Important: Travel medical insurance is generally intended for eligible travelers who are temporarily outside their home country or area of residence. U.S. residents traveling to Puerto Rico should review the plan's eligibility requirements, coverage area, and exclusions before purchasing. Also check your existing U.S. health insurance to understand whether and how it covers healthcare received in Puerto Rico.
What Travel Insurance Do You Need for Visiting Puerto Rico?
Emergency medical expenses for illness or injury during your Puerto Rico trip.
Protects your non-refundable trip investment if plans change due to illness or emergency.
Specialized coverage for senior travelers including Medicare supplement options.
Cancel your Puerto Rico trip for any reason and get reimbursed up to 75% of non-refundable costs.
Long-term health insurance for US citizens living and working in Puerto Rico.
5% to 10% group discount for five or more travelers on the same Puerto Rico itinerary.
Travel Insurance for U.S. Seniors With Medicare Coverage
- US citizens should realize that Medicare and its supplements provide very little coverage outside US borders.
- There is a travel health insurance plan specifically designed for older American travelers.
- Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older.
- Provides $1 million coverage up to the age of 79 years
- Provides $100,000 coverage for travelers 80 years and older
- Includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition
- Includes $25,000 coverage for emergency medical evacuation
The GlobeHopper Senior plan is available in two options:
Unfortunately, plans cannot be renewed after their expiration date. To stay protected, travelers should renew or extend coverage before the plan expires. If your policy has already lapsed, you’ll need to purchase a new plan for your next trip.
Do I Need Medical Evacuation Travel Insurance for Traveling to Puerto Rico?
Best medical insurance for travel to Puerto Rico is ideal for US citizens who need coverage for expenses arising from international security evacuation, medical evacuation and repatriation can buy Medical evacuation insurance commonly called “Medevac insurance”.
Both WorldTrips Atlas Medevac and Seven Corners Medical Evacuation and Repatriation plans offer reliable coverage for U.S. citizens.
Atlas MedEvac Insurance
WorldTrips
Provides emergency medical evacuation to the nearest appropriate medical facility when medically necessary, with coverage of up to $50,000.
Medical Evacuation and Repatriation
Seven Corners
Provides medical evacuation and repatriation coverage for eligible emergency transportation to an appropriate medical facility, up to the plan maximum limit.
What Does a Medical Emergency Actually Cost in Puerto Rico?
Numbers make this real fast. The scenarios below are based on typical costs at private hospitals in Puerto Rico your actual costs could be higher or lower, but these give you a realistic picture of what uninsured travelers face.
| Service | Uninsured Cost | With Travel Insurance |
|---|---|---|
| Urgent care / ER visit | $350 – $800 | Covered (after deductible) |
| X-ray | $100 – $250 | Covered |
| Brace / wrap + prescription pain relief | $50 – $120 | Covered |
| Total out of pocket | $500 – $1,170 | ~$250 deductible only |
| Service | Uninsured Cost | With Travel Insurance |
|---|---|---|
| ER admission + initial treatment | $1,500 – $3,000 | Covered |
| 2-night hospital stay | $2,000 – $6,000 | Covered |
| Lab tests + IV fluids + medications | $500 – $1,200 | Covered |
| Total out of pocket | $4,000 – $10,200 | ~$250 deductible only |
| Service | Uninsured Cost | With Travel Insurance |
|---|---|---|
| Emergency surgery in Puerto Rico | $15,000 – $50,000+ | Covered |
| ICU stay (3–5 days) | $10,000 – $25,000 | Covered |
| Medical evacuation to mainland U.S. | $15,000 – $50,000+ | Covered |
| Total out of pocket | $40,000 – $125,000+ | ~$250 deductible only |
What Are the Travel Tips for Puerto Rico?
Puerto Rico blends Caribbean charm with the ease of U.S. travel, offering beaches, culture, and nature. A few simple travel tips can help you enjoy a smooth and memorable trip:
- Entry & Documents: U.S. citizens do not need a passport to visit Puerto Rico a valid photo ID is sufficient, and there are no customs when flying from the mainland U.S.
- Money & Costs: Puerto Rico uses the U.S. dollar. Credit cards are widely accepted, but carry some cash for small vendors, and tip as you would on the mainland (about 15–20%).
- Language & Culture: Spanish and English are both spoken. English is common in tourist areas, but a few Spanish phrases and friendly greetings are appreciated.
- Best Time to Visit: December–April has the best weather. May–June offers fewer crowds. Hurricane season is June–November (peak August–October).
- Safety & Health: Puerto Rico is generally safe. Take normal precautions, drink tap water, and use bug spray to protect against mosquitoes.
Adventure Sports Coverage in Puerto Rico
Puerto Rico is one of the Caribbean's top adventure destinations. Most popular activities are covered by standard travel medical insurance some require a sports rider add-on.
Para clientes que hablan español Seguro de salud para Puerto Rico en español
¿Está pensando en unas vacaciones en los Estados Unidos? No se olvide de protegerse con un seguro de salud en caso de enfermedad súbita o accidente. Los gastos médicos en los Estados Unidos pueden ser extraordinariamente altos. El uso de un plan de seguro estadounidense tiene muchas ventajas, incluiendo reembolso en dólares estadounidenses y pago directo al proveedor.
Saber más »¿No conoce el seguro médico de EEUU? Esta página es para usted.
Más »Factores a tener en cuenta al comprar un seguro de visitante.
Más »Responda las preguntas para encontrar el mejor plan de seguro para sus necesidades.
Más »Categorías de seguro
Travel Insurance for Puerto Rico – Frequently Asked Questions
It depends on your health insurance plan. Because Puerto Rico is a U.S. territory, some U.S. health insurance plans may provide coverage there, while others may have limited provider networks or different coverage rules. Before traveling, check your plan's network, deductibles, copayments, and out-of-area coverage. A suitable travel medical insurance plan may provide additional benefits for eligible medical expenses, depending on the policy.
Travel insurance is not generally required to visit Puerto Rico, but it can provide useful financial protection against unexpected events. Depending on the plan, coverage may include eligible medical expenses, emergency treatment, trip interruption, trip cancellation, baggage issues, or other covered events. Travelers should review their existing health and travel coverage before deciding whether additional insurance is needed.
The cost depends on factors such as the traveler's age, trip duration, coverage amount, plan type, deductible, and selected benefits. Medical travel insurance and trip protection plans can have different pricing structures. Compare quotes based on your travel dates and coverage needs to find an option that fits your budget.
- Complete the travel insurance quote request with the traveler's information and trip details.
- Compare the available plans, prices, coverage limits, deductibles, and benefits.
- Review the policy wording, exclusions, eligibility requirements, and coverage period before purchasing.
- Choose the plan that best fits your travel needs and complete the online application.
- Keep your insurance documents and the insurer's contact information accessible during your trip.
Medicare coverage in Puerto Rico can differ from coverage available in the 50 states, so beneficiaries should check their specific Medicare plan before traveling. Medicare Advantage and supplemental plans may have different provider networks and coverage rules. Travelers should confirm their coverage and understand potential out-of-pocket costs before their trip.
Puerto Rico has hospitals and medical facilities throughout the island, including several major hospitals in the San Juan metropolitan area. Travelers should identify the nearest hospital or urgent care facility before their trip, especially when staying outside the main tourist areas. For a medical emergency, call 911 or seek care at the nearest emergency facility.
English is widely spoken in many tourist areas of Puerto Rico, and travelers may find English-speaking staff at hospitals, clinics, and other healthcare facilities. Spanish is the primary language across the island, so English availability can vary by location and facility. Travelers can keep a translation app available if they visit areas where English may be less commonly spoken.
911 is the emergency number in Puerto Rico. Travelers experiencing a serious or life-threatening medical emergency should call 911 or go to the nearest emergency department. For non-emergency medical concerns, travelers can consider an appropriate urgent care facility or contact their healthcare provider or insurance assistance service.
Payment requirements can vary by hospital, healthcare provider, and insurance plan. Travelers may be asked to provide insurance information or pay certain costs at the time of treatment. If you have travel insurance, keep your insurance card and emergency assistance contact information available and contact the insurer as soon as possible when appropriate.
Hurricane-related coverage depends on the specific travel insurance plan and when the policy was purchased. Some plans may provide benefits for covered trip delays, cancellations, interruptions, or other losses caused by a named storm, subject to the policy terms and exclusions. Travelers should purchase coverage before a storm or other known event becomes a foreseeable loss and review the policy carefully for applicable requirements.
Useful Travel Insurance Resources for Puerto Rico
FAQs about travel insurance for Puerto Rico from USA.
Read More →Blog articles about travel health insurance for Puerto Rico.
Read More →Travel Insurance for Puerto Rico Travelers Visiting USA
Which Travel Insurance From The Puerto Rico to USA Is Right for You?
- Cheapest Travel Insurance from Puerto Rico to USA - Safe Travels Advantage from around $20/month, with fixed-benefit coverage and emergency medical evacuation.
- Best Comprehensive Travel Medical Insurance from Puerto Rico to USA - Atlas America with up to $2 million coverage and UnitedHealthcare PPO network.
- Best Travel Insurance for Puerto Rico Parents Visiting USA - Patriot America Plus with comprehensive medical coverage and acute-onset pre-existing condition benefits.
- Best Travel Insurance for Seniors from Puerto Rico to USA - Safe Travels USA Comprehensive with coverage available for travelers up to age 89.
- Best Travel Insurance for Pre-Existing Conditions from Puerto Rico to USA - INF Elite X with full pre-existing condition coverage for eligible travelers.
- Compare Travel Insurance from Puerto Rico to USA - Explore available visitor medical insurance plans and compare coverage, costs, deductibles, and benefits.
Do Puerto Rican Citizens Need Travel Insurance for the USA?
The United States offers something for every traveler from iconic skyscrapers and vibrant cities to beautiful beaches and natural wonders making it one of the most popular tourist destinations in the world.
There are approximately 350,000 people of Puerto Rican origin living in the United States, and many Puerto Rican citizens travel to the U.S. each year for tourism, business, or to visit friends and family. In recent years, tens of thousands of travelers from Puerto Rico have visited the United States annually.
While travel insurance is not mandatory for Puerto Rican citizens visiting the USA, it is highly recommended. Healthcare in the United States is extremely expensive, and even minor medical treatment can lead to significant out-of-pocket costs without proper insurance coverage.
How Much Does Puerto Rico to USA Visitor Health Insurance Cost in 2026?
The cost of travel insurance for the USA from Puerto Rico depends on age, coverage limits, deductible, and plan type. At American Visitor Insurance, fixed-benefit plans start at around $20/month, while comprehensive plans start at around $58/month. Compare fixed vs. comprehensive travel insurance and travel insurance for pre-existing conditions to find the right coverage for your USA trip from Puerto Rico.
Want to compare costs? Compare visitor medical insurance plans for detailed pricing and coverage options.
Cheapest Visitor Health Insurance for Travelers from Puerto Rico to USA
| Plan Name | Max Coverage | Deductible | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Advantage Trawick International |
$25,000 - $150,000 | $0 | $20 - $58 | $39 - $102 | $60 - $166 |
| Visitors Care IMG |
$25,000 - $100,000 | $100 | $25 - $47 | $40 - $75 | $66 - $152 |
| Safe Travels Elite Trawick International |
$25,000 - $175,000 | $0 | $26 - $76 | $50 - $134 | $109 - $155 |
Cost of Comprehensive Travel Insurance from Puerto Rico to USA
| Plan name | Max Coverage | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|
| Atlas Essential WorldTrips |
$50,000 - $1,000,000 | $58 - $109 | $131 - $266 | $263 - $328 |
| Safe Travels USA Cost Saver Trawick International |
$50,000 - $1,000,000 | $71 - $117 | $139 - $250 | $237 - $299 |
| Patriot America Lite IMG |
$50,000 - $1,000,000 | $72 - $130 | $153 - $289 | $252 - $337 |
Prices verified for the 2026 travel season · Source: American Visitor Insurance®
Six-Month Medical Insurance Cost for Visitors to USA
The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler to stay stress free. For a 60 year old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based on different coverage options, medical needs, and traveler’s budget on American Visitor Insurance. From ER visits to urgent care, US travelers can get travel insurance coverag for 6 months in the U.S. starting from just $1.50/day!Factors That Affect the Cost of Puerto Rico Travel Insurance for USA
The cost of Puerto Rico travel insurance for the USA varies by traveler and plan. Compare travel medical insurance options based on your age, trip length, medical coverage, and policy maximum to find the right protection at the best price.
Older travelers generally pay more for coverage.
Comprehensive plans usually cost more than fixed-benefit plans.
Higher coverage limits can increase your premium.
Travel medical insurance for the USA may cost more than other destinations.
Longer trips generally have higher insurance costs.
Pre-existing condition and adventure sports coverage may increase the cost.
Puerto Rican Communities in the USA
The United States has long-standing cultural and family connections with Puerto Rico. Many residents of Puerto Rico travel to the mainland USA to visit relatives and friends, attend weddings and family celebrations, reconnect with family communities, conduct business, or spend extended periods with loved ones.
Large Puerto Rican communities can be found across several parts of the USA. Florida, New York, New Jersey, Pennsylvania, Texas, and other major metropolitan areas have established Puerto Rican communities. Cities such as Orlando, New York City, Philadelphia, and Tampa are particularly well known for their large Puerto Rican populations.
Puerto Rico Residents Visiting Family in the USA
Family visits are an important reason for travel from Puerto Rico to the mainland USA. Parents may travel to see children, grandparents may visit grandchildren, and families may travel together for holidays, weddings, graduations, or other important occasions.
When traveling with children, parents, or grandparents, it is important to consider coverage for unexpected medical expenses. Travel medical insurance from Puerto Rico to the USA may help cover eligible medical expenses, hospitalization, emergency medical evacuation, and other covered benefits, depending on the plan selected.
Options may be available for older travelers, including travelers with certain pre-existing medical conditions.
Compare the Best Family Travel Insurance for USA from Puerto Rico to find a suitable plan based on your family's ages, trip duration, budget, and healthcare needs.
Health Insurance for Puerto Rico Residents Visiting the USA
Residents of Puerto Rico traveling to the mainland USA should check their existing health insurance benefits before purchasing travel medical insurance. Coverage, provider networks, and benefits may differ when receiving medical care outside Puerto Rico.
Travel medical insurance may provide coverage for eligible medical expenses during a temporary trip to the mainland USA, depending on the policy terms and eligibility requirements.
If you have pre-existing medical conditions, review the policy carefully to understand whether it provides acute onset or other eligible pre-existing condition coverage. Benefits and eligibility vary by plan.
Important: Travel medical insurance is subject to plan eligibility, residency requirements, exclusions, and policy terms. Check your existing health insurance coverage and the policy certificate before purchasing a plan.
Top Travel Insurance From Puerto Rico to USA (2026)
The cheapest travel insurance for USA from Puerto Rico is Safe Travels Advantage by Trawick International, starting at $20/month for a 40 year old, making it a budget-friendly option for travelers seeking affordable medical coverage. For broader coverage, the best travel insurance from Puerto Rico to USA is Atlas America by WorldTrips, with comprehensive coverage for eligible medical expenses and emergency care.
- check_circle Deductible: $0 only (no higher deductible options)
- check_circle Maximum coverage: up to $150,000
- check_circle Pre-existing: acute onset covered up to age 89
- check_circle PPO network: First Health PPO - direct billing available
- check_circle Evacuation: unlimited emergency medical evacuation
- Visitors Care from IMG
- Visit USA Budget from Travel Insurance Services
- Travel Medical USA Visitor Basic from Seven Corners
- check_circle Deductible: $0 to $5,000
- check_circle Maximum coverage: up to $2,000,000
- check_circle Pre-existing conditions: acute onset covered up to age 80
- check_circle PPO network: UnitedHealthcare - the largest PPO network
- check_circle Maternity: covers complications of pregnancy in first 26 weeks
- Patriot America Plus from IMG
- Travel Medical Basic from Seven Corners
- Safe Travels USA Comprehensive from Trawick International
Which Pre-Existing Conditions Are Covered by US Travel Insurance?
If you or your visiting family member has a medical condition, understanding whether you need acute onset or full pre-existing condition coverage is the most important step before buying a plan. Read our guide on Acute Onset vs Pre-Existing Conditions Coverage, to choose the right visitor insurance plan. Most visitor insurance plans cover emergency flare-ups of known conditions - but only a few cover ongoing treatment and doctor visits for those conditions.
Acute Onset Coverage
A sudden, unexpected onset of a pre-existing condition that occurs after coverage starts and requires immediate medical attention.
Best travel insurance for acute onset of pre-existing conditions: are Patriot America Plus, Atlas America, Seven Corners Travel Medical Basic and Safe Travels USA Comprehensive
Full Pre-Existing Coverage
A long-term or ongoing condition that existed prior to coverage and is generally managed over time
Best visitor insurance for pre-existing conditions are INF Elite X, INF Premier X and Visitors Protect (90-day minimum purchase).
Learn more about travel insurance with pre-existing conditions and compare your coverage options.
Common Pre-Existing Conditions in Visitor Insurance
Click any condition to see specific plan recommendations.
Medical Insurance for U.S. Citizens Living in Puerto Rico Visiting the US
U.S. citizens and expats living in Puerto Rico frequently travel back to the United States to visit family, for business, or for other personal reasons. At American Visitor Insurance we have the best travel insurance for U.S. expats visiting USA.
Short term travel health insurance in USA for US citizens visiting the country that are designed by IMG a reputed US insurance provider are
Another popular travel insurance for U.S. citizen traveling to USA is Diplomat America insurance by Global Underwriters.
Cost of health insurance for US expats visiting the USA in 2026
Approximate monthly cost of expat health insurance for visiting USA for a 40-year-old traveler with a $100 deductible.
| Travel Insurance USA | Maximum Coverage | Provider Network | Cost |
|---|---|---|---|
| Patriot America Lite IMG | $50,000 |  |
$79 |
| Patriot America Plus IMG | $50,000 | |
$84 |
| Patriot Platinum America IMG | $2,000,000 | |
$161 |
| Diplomat America Global Underwriters | $50,000 | No PPO | $138 |
Source: American Visitor Insurance®
Does Travel Health Insurance Cover Sports for U.S. Citizens Visiting the USA?
U.S. citizens living abroad who return to the USA for sports tournaments, competitions, training camps, or organized athletic activities may need additional coverage for sports-related injuries. Regular travel medical insurance may not cover injuries from active participation in sports. If you plan to participate in organized or competitive sports, you may need to purchase an additional Athletic and Hazardous Activity Rider, depending on the sport and policy.
My child is a U.S. citizen living abroad and is coming to the USA to play in an ice hockey tournament. Does short term health insurance cover hockey related injuries?
For eligible sports participation, Diplomat America offers an optional Athletic and Hazardous Activity Rider. Ice hockey is included under the Middle Option of this rider. Eligible sports-related medical expenses are subject to a $20,000 maximum, along with the policy's terms, conditions, limitations, and exclusions.
Players planning to participate in ice hockey should select the Athletic and Hazardous Activity Rider - Middle Option when purchasing Diplomat America.
For more details on eligible sports, rider options, and coverage limits, learn more about Diplomat America sports and hazardous activity coverage.
Need help finding coverage for your sports trip?Talk to the American Visitor Insurance team at 877-340-7910 for assistance with short travel insurance for US citizens visiting USA and sports coverage options for your USA visit.
Looking For Travel Insurance For US Citizens Returning Home During War?
US citizens returning home during war or crisis need travel insurance that provides emergency medical coverage, evacuation, and protection for pre-existing conditions. Explore more options for US citizens, including short-term plans and pre-existing condition coverage, in our Best Travel Health Insurance for US Citizens Returning During War or CrisisWhat Are the Types of Travel Insurance?
How Can I Buy Travel Insurance for the USA From Puerto Rico Online?
Useful Guides for Puerto Rico Travelers Visiting the USA
U.S. Travel Insurance for Puerto Rico Tourists – Frequently Asked Questions
Coverage depends on the specific Puerto Rico health insurance plan. Some plans may have provider networks or coverage restrictions outside Puerto Rico, while others may provide certain benefits for care in the mainland U.S. Puerto Rico residents should check their plan's network, out-of-area benefits, deductibles, and emergency coverage before traveling. If additional protection is needed, an eligible travel medical insurance plan may provide coverage for certain medical expenses during a temporary trip, subject to the policy terms.
Puerto Rico residents who are U.S. citizens can travel between Puerto Rico and the mainland U.S. without immigration restrictions on the length of a visit. However, insurance coverage depends on the health or travel insurance plan. If you are planning an extended stay, check the policy's maximum coverage period, renewal provisions, eligibility requirements, and whether it is intended for temporary travel or longer-term coverage.
Yes, but coverage depends on the type of Medicare plan you have. Original Medicare generally provides coverage for medically necessary services in the 50 states, Washington, D.C., and U.S. territories. Medicare Advantage plans can have different provider networks and out-of-area coverage rules. Before traveling to the mainland U.S., check your Medicare plan's coverage and network. Eligible travelers may also consider a travel medical insurance plan for additional benefits, subject to the plan's terms and eligibility requirements.
Travel Insurance for Puerto Rico Travelers Visiting Europe
Which Is the Best Travel Insurance for Puerto Rico Travelers Visiting Europe?
- Looking for the cheapest Schengen visa insurance? Atlas International from $8/week*, an affordable option for budget-conscious travelers.
- Want the best value Schengen insurance? Patriot International Lite from $10/week*, with economical medical coverage for Europe travel.
- Need the best comprehensive Schengen plan? Travel Medical Global Choice strong medical and emergency evacuation benefits.
- Looking for the best premium Schengen coverage? Safe Travels International higher coverage limits and broader benefits.
- Need pre-existing condition coverage for your Europe trip? Atlas International includes acute onset of pre-existing conditions coverage for eligible travelers.
- Want to compare all Schengen visa insurance plans? View Schengen visa insurance plans and compare available options.
Do Puerto Rico Citizens Need Travel Insurance for Europe?
No, Puerto Rico citizens can travel to Schengen countries without a visa for up to 90 days for tourism or short business visits. While travel insurance is not mandatory for short stays, it is strongly recommended to cover unexpected medical expenses during your trip. Most domestic insurance plans in Puerto Rico offer little or no international coverage.
Long-Term Europe Visa Insurance for Puerto Rico Travelers
For travelers planning to stay longer than 90 days such as for work, study, or long-term residence then they need to apply for national visa or residence permit of that European country.
As part of the visa process, travel medical insurance is mandatory and must meet the following Schengen Visa Travel Insurance requirements:
Once you purchase an eligible plan, you will receive a visa-compliant insurance letter, which can be submitted along with your visa application.
American Visitor Insurance offers a range of affordable long-stay Europe travel insurance plans. Travelers can easily compare coverage options and choose the plan that best fits their visa requirements and medical needs.
Schengen Visa Travel Insurance for Puerto Rico Citizens
Puerto Rico citizens can travel to Schengen countries for up to 90 days without a visa, so Schengen travel insurance is not mandatory. However, it is highly recommended to protect against unexpected medical expenses, hospitalization, emergency evacuation, and trip disruptions.
Based on coverage, price, and customer reviews, the following travel insurance plans are among the best options for Puerto Rico travelers visiting Europe.
You can also review the cheapest Schengen Visa insurance plans and their benefits to find the best option for your trip.
The other Best Schengen visa travel insurance include Travel Medical Global Choice, Safe Travels International.
* Prices vary by age, duration, and selected limits. All plans comply with Schengen embassy requirements.
Which Is the Best Schengen Travel Insurance With Pre-Existing Conditions Coverage?
Schengen travel insurance generally does not cover ongoing treatment or routine care for pre-existing conditions. However, some plans provide coverage for the acute onset of a pre-existing condition, meaning a sudden and unexpected recurrence that requires immediate medical attention.
At American Visitor Insurance, travelers can compare best Schengen travel insurance with pre-existing condition coverage, including Travel Medical Global Choice, Safe Travels International, Atlas International, and Patriot International Lite, with acute onset coverage to help protect against unexpected medical emergencies during your trip.
Puerto Rico Residents Visiting Europe - FAQs
Puerto Rico residents who are U.S. citizens generally do not need a Schengen visa for short tourist or business trips to the Schengen Area of up to 90 days within a 180-day period. Travelers should carry a valid U.S. passport and check the entry requirements of the country they plan to visit before traveling.
Puerto Rican citizens traveling to the Schengen Area for tourism, business, or visiting family and friends generally need a short-stay Schengen visa (Type C). This visa allows eligible travelers to stay for up to 90 days within a 180-day period. Applicants must provide the required supporting documents, which may include a valid passport, application form, photographs, travel itinerary, accommodation details, proof of financial means, and travel medical insurance.
Schengen visa applicants generally need travel medical insurance that meets the visa requirements. The policy must provide at least €30,000 in medical coverage and be valid throughout the Schengen Area for the entire duration of the planned stay. Coverage should include eligible emergency medical treatment, hospitalization, and repatriation, including repatriation in the event of death.
Before purchasing a policy, travelers should confirm that the specific plan provides documentation meeting the requirements of the Schengen country processing their visa application.
Schengen visa travel insurance must generally provide at least €30,000 in medical coverage. The insurance should be valid in all Schengen Area countries and cover the entire period of the planned stay. The required coverage includes eligible medical expenses and repatriation.
Travelers should review the certificate of insurance before submitting their visa application to make sure the policy meets the requirements of the relevant Schengen country.
Yes. Puerto Rican citizens can purchase eligible Schengen travel medical insurance before submitting their visa application. Travelers should select a policy that meets the Schengen visa requirements, including the minimum €30,000 medical coverage, coverage throughout the Schengen Area, and coverage for the full duration of the intended stay.
After purchasing an eligible plan, travelers should obtain the insurance certificate or other required documentation to include with their visa application.
Do Puerto Rico Seniors Need Schengen Travel Insurance?
Puerto Rico residents who are U.S. citizens generally do not need Schengen visa insurance as a visa requirement for short visits to the Schengen Area. However, travel insurance for seniors visiting Europe is strongly recommended because U.S. Medicare and many U.S. health insurance plans may provide limited or no coverage outside the United States. Travel medical insurance can help cover eligible emergency medical treatment, hospitalization, medical evacuation, and, where included in the plan, acute onset of pre-existing conditions.
Puerto Rico Schengen Visa Insurance - Useful Links
Key factors while buying Schengen visa travel insurance for Puerto Rico citizens.
Know More »How to get your Schengen visa insurance letter for your application.
Know More »Travel insurance information for all 29 Schengen zone countries.
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