Travel Medical Insurance for travel to Caribbean, Popular travel insurance for US travelers to Caribbean

Do I need travel insurance for Caribbean?

Given the fact that US domestic health insurance provides little coverage in Caribbean, and the relatively low cost of travel insurance for Caribbean, it is important for international travelers to buy good travel insurance for visiting Caribbean.

Which is the best travel insurance for Caribbean?

Excellent question and we try hard to find the best answer to this question! Given the unique needs of different travelers there is not one Caribbean travel insurance plan that is always the best for everyone. If you are a traveler with concerns about an existing medical conditions, then you will be looking at different plans as opposed to a different traveler without any life-threatening pre-existing condition. We endeavor to give our visitors as much information as possible so they can find the best Caribbean travel insurance plan. Our travel insurance quote comparison tool helps travelers compare different visitor travel insurance plans based on price and coverages in an objective manner. If you want some more guidance, our licensed agents are here to help you with your choice!

US Travelers visiting Caribbean

Tropical Caribbean islands attract hundreds of thousands of American tourists every year. Some of the popular holiday destinations are Aruba, Bonaire, Curacao, Bermuda, New Providence, The Bahamas, Cayman Islands, St John, US Virgin Islands, Barbados, Cancun and Cozumel in the Mexican Yucatan peninsula, St Lucia>, Ocho Rios - Jamaica...

The list of attractive destinations is long and enticing, however Americans holidaying in Caribbean must realise that their domestic medical insurance plans will not always provide coverage outside US national borders.

Travel insurance for Caribbean

Trip insurance

Trip insurance focus on insuring the cost of the vacation.

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Annual Multi-trip insurance

Annual travel health insurance for frequent travelers.

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Group insurance

Covers five or more travelers on same schedule.

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Adventure sports

Offers coverage for Adventurous sports.

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Popular Caribbean travel destinations

Confused whether you need to buy trip Insurance or travel medical insurance or long term global health insurance?

Trip protection insurance

If you have planned an expensive trip or cruise vacation and want to ensure that your trip expenses are insured, then you should buy Trip Protection insurance. Trip cancellation insurance will protect your trip expenses invested like ticket and hotel bookings. These are typically not refundable sometimes. This type of insurance also covers expenses involves during trip delay, lost or delayed baggage and while emergency evacuation. The cost of a trip protection insurance policy will depend on the amount of money you have invested on your vacation and any other additional coverage you may need.

Popular trip insurance plans

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Travel medical insurance

While you are traveling outside your home country you are more vulnerable to medical issues given that you are in a new environment. You want to insure yourself against any emergency accident and sickness especially since your domestic health insurance may not protect you when you are outside your home country. In this situation where the focus is on the health insurance coverage of the traveler, you need to buy travel medical insurance. These are short term plans that offer coverage for expenses arising from medical treatment of injury or illness. The coverage includes inpatient and outpatient care, evacuation and repatriation. Some plans offer limited coverage while other are comprehensive in nature. You need to know the differences before you buy it.. Not all travel health insurance plans provide coverage for preventive care or for pre-existing ailments including maternity coverage.

Popular travel medical insurance plans

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Long term global medical insurance

Expatriates who will be living outside their home country for an extended period should buy the Long term global medical insurance plans. These plans are like the domestic health insurance within the US and include coverage for preventive care, routine dental and medical check-up, prescriptions and medications, maternity (covered after a year). These plans can be renewed annually

Other global insurance plans

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Does Medicare cover medical costs for US citizens travelling to Caribbean?

Travel insurance plans for older US citizens with Medicare coverage

US senior citizens with Medicare need international travel insurance as Medicare offers limited or no coverage outside USA. Travelling overseas involves risks especially for older travelers and costs of medical evacuation and health care outside the United States is expensive. Buying Medicare Supplemental international Travel insurance coverage for older US travelers is strongly recommended.

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Travel health insurance for older US travelers (65+ years) visiting Caribbean

It is wonderful to see so many older Americans traveling to Caribbean. However while visiting Caribbean is exciting, US citizens should realise 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 as an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older. The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for coverage from 5 days to 365 days, or as a GlobeHopper Multi-trip plan which covers 12 months with a maximum of 30 days per each overseas trip. The GlobeHopper Senior plan is very popular since it provides coverage of $1 million up to the age of 79 years and $100,000 for travelers more than 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition and $25,000 for emergency medical evacuation.

Living in Latin America and Caribbean on retirement

Many US and Canadian nationals look to spend their sunset years in Latin America and the Caribbean. There are many factors which make the Caribbean an alluring retirement destination. Some of the notable factors are listed below:

Excellent weather with sunshine all year around
Healthy living opportunities, golf and beautiful beaches
Cheaper healthcare options, and ability to fly back to the US
Large number of expatriates and lively cosmopolitan communities
Proximity to the US and Canada and ease of visiting family
Local governments policy to support retirees
Wide range of real estate options available for all budgets
Option of sharing real estate through 'fractionals'

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US Expatriate Health Insurance options for living in the Caribbean Islands

US Expatriates living in the Caribbran and outside the United States get limited coverage from their US health insurance including Medicare. They also do not qualify for domestic health insurance in the adopted country of living. In this situation, expatriate medical insurance plans are important. Expats can buy US expatriate health insurance plans to begin coverage from the day you leave the US or after you have already arrived in your adopted country.

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Buying travel insurance online for Caribbean

Medical insurance for Americans visiting Latin America and the Caribbean can be compared and bought online on this website. We offer a wide range of insurance plans which can be compared online. Along with providing the insurance quotes, the compare tool also highlights important features of the different plans such as the deductible, the co-insurance, the PPO network. Complete details regarding different plans can be reviewed by reading the policy brochure which is also available on compare tool. Other useful features include a FAQ section, a glossary section and more.

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Entry and exit requirements in the Caribbean

The entry and exit requirements will be different for different islands in the Caribbean. If the traveler shows proof of US citizenship and a return or onward ticket, they are allowed to stay in most nations for up to 2 or 3 months. Some nations, however, require that you have a valid passport. For authoritative information on a country's entry and exit requirements and on its customs and currency regulations, contact its embassy, consulate, or tourist office in the United States.