For your Holidays in Carribean Island and Abroad

Travel Insurance for The Caribbean

From the clear blue waters of the Bahamas to the lush rainforests of Jamaica, the Caribbean is known for its natural beauty and diverse attractions. But before you pack your bags and go island hopping, it's important to make sure you're prepared for any unexpected bumps in the road.

From medical emergencies to trip cancellations, a comprehensive insurance policy can offer the support and assistance you need to explore The Caribbean with confidence. In this guide, we'll take a closer look at why having travel insurance for The Caribbean is essential and what you need to know to make sure you're covered.

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  1. What should your Travel insurance cover for a trip to Carribean Island? 
  2. How Does Travel Insurance for Caribbean Island Work?
  3. Do I need Travel Insurance for Carribean Island? 
  4. How Much Does Travel Insurance Cost for Carribean Island?
  5. Our Suggested AXA Travel Protection Plan
  6. What types of medical coverage does AXA Travel Protection plans offer?
  7. Are There Any COVID-19 Restrictions for Travelers to Carribean Island?
  8. Traveling with pre-existing Medical Conditions? 
  9. FAQ


What should your travel insurance cover for a trip to The Caribbean?

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.
AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

  • Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.  
  • Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events. 
  • Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation. 
  • Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage. 
  • Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Caribbean Island.


How Does Travel Insurance for The Caribbean Work?

Picture yourself on an excursion through the lush rainforests of the Caribbean. As you trek through the dense foliage, you suddenly stumble and injure yourself. With travel insurance, you can feel secure knowing that you have access to emergency medical evacuation and repatriation services. This means that you can be safely airlifted to a suitable medical facility or transported back home for additional medical care.

In the face of escalating challenges, AXA stands ready to assist you in devising a strategic course of action. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

  • Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
  • Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
  • Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 


Baggage Benefits: 

  • Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
  • Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 


Pre-Departure Travel Benefits: 

  • Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
  • COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
  • Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 


Post-Departure Travel Benefits

  • Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
  • Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.


Additional Optional Travel Benefits 

  • Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
  • Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
  • Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
  • Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.


Do I Need Travel Insurance for The Caribbean?

Travel insurance is generally not a requirement for visiting the Caribbean. However, considering the region's unique landscapes, activities, and sometimes unpredictable weather patterns, having travel insurance can be highly beneficial.

Here are several reasons why travel insurance is important for your Caribbean vacation:

  1. Medical Emergencies: Whether you're hiking through rainforests, snorkeling in coral reefs, or enjoying water sports, accidents or sudden illnesses can happen. With the possibility of limited medical facilities on some Caribbean islands, travel insurance offers access to prompt and adequate medical care.

  2. Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

  3. Trip Cancellation: The Caribbean is prone to hurricanes and tropical storms during certain times of the year, which can disrupt travel plans. Trip cancellation coverage offers reimbursement for prepaid expenses if you need to cancel your trip due to covered reasons, such as illness or severe weather.

How Much Does Travel Insurance Cost for The Caribbean?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:

Total Trip cost: The total amount of non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.

Age: L ike any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.

With AXA Travel Protection, travelers to the United Kingdom will be offered three tiers of insurance: Silver, Gold and Platinum. . Each provide varying levels of coverage to cater to individual's preferences and travel needs.


Our Suggested AXA Travel Protection Plan

AXA presents travelers with three travel plans – the Silver PlanGold Plan, and Platinum Plan , each offering different levels of coverage to suit individual needs. Given that The Caribbean hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The Platinum Plan is your go-to choice if you're looking for extra coverage for The Caribbean’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring The Caribbean's stunning landscapes in a rental car.

What types of medical coverage does AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

  • Emergency medical

  • Emergency evacuation & repatriation

  • Non-medical emergency evacuation & repatriation

Emergency medical: This coverage includes unexpected incidents like broken bones, burns, sudden illnesses, and allergic reactions.

Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation: Offers assistance for evacuating from a destination swiftly in situations not related to health issues. Examples include natural disasters or civil unrest.

Are There Any COVID-19 Restrictions for Travelers to The Caribbean?

No. The Caribbean has dropped all COVID-19 restrictions for travelers from the United States.

Traveling with preexisting Medical Conditions?

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.

Our Gold Plan, and Platinum Plans offer coverage for preexisting medical conditions.
The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a preexisting medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60 day look back period. We're here to make sure you travel with ease, no matter your health situation.


1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to The Caribbean?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.)

AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.

Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3.Do Americans need travel insurance in The Caribbean?

While travel insurance is not typically required for Americans visiting the Caribbean, it is highly recommended. The Caribbean is known for its beautiful beaches and tropical climate, but it also poses risks such as hurricanes, tropical storms, and unexpected medical emergencies. Having travel insurance can protect you from unforeseen events during your trip.

4.What is needed to visit The Caribbean from the USA?

As a US citizen, you might not need a valid passport to travel to certain places in the Caribbean, like Puerto Rico and the US Virgin Islands. These spots are US territories, so Americans can move between them without a passport. Additionally, for short stays lasting from three to six months, US citizens might not require a visa.

5.What happens if a tourist gets sick in The Caribbean?

If you become sick in The Caribbean, travelers with AXA Travel Protection can contact the AXA Assistance hotline 855-327-1442 Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved. 

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