Belize Travel Insurance

Known for its lush jungles, breathtaking beaches, and the mesmerizing Barrier Reef, Belize is a paradise catering to both the adventurous and those seeking tranquility. Travelers have long been captivated by this Central American gem, and as you delve into Garifuna, Creole, and Maya cultures, it’s hard not to be equally entranced. However, preparation is key. Just as you wouldn't explore the depths of the Great Blue Hole without the right gear, traveling without Belize travel insurance and adequate medical coverage may leave you exposed to unforeseen challenges.

So, before you set off on your Caribbean adventure, here's everything you need to know about travel insurance to Belize. 

1. What should your Travel insurance cover for a trip to Belize? 
2. How does Travel Insurance for Belize work?
3. Do I need Travel Insurance for Belize? 
4. How much does Travel Insurance cost for Belize? 
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 Belize?
8. Traveling with pre-existing Medical Conditions? 

What Should Your Travel Insurance Policy Cover for a Trip to Belize? 

Your travel insurance policy to Belize 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 coverages in mind.  
 

• Medical Coverage – The priority is making sure your health is in order. With AXA Travel Insurance, you can have access to medical coverage and quality healthcare during your trip overseas in the event of unexpected medical emergencies.   

• Trip Cancellation & Interruptions – Unexpected trip interruptions  can dampen the mood., AXA Travel Insurance Protection offers coverage against unforeseen events. 

• Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Insurance offers provisions for emergency evacuation and repatriation. 

• Coverage for Personal Belongings – AXA Travel Insurance offers coverage for your belongings with assistance against lost or delayed baggage.  

• Optional Cancel for Any Reason – For added flexibility, AXA Travel Insurance offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons. This feature is E exclusive to AXA Platinum Plan holders.  

In a few seconds, you can get a free quote and purchase a suitable travel insurance for Belize. 

How Does Travel Insurance for Belize Work? 

Picture this: You've embarked on a thrilling jungle adventure in Belize, exploring the lush rainforests and discovering hidden Mayan ruins. Suddenly, you experience severe abdominal pain and weakness. Concerned about your health, your travel companion calls for emergency assistance. 
 
As your condition requires urgent medical attention beyond the local facilities, AXA Travel Insurance’s Emergency Evacuation & Repatriation benefit comes into play. The policy covers the costs associated with transporting you to the nearest appropriate medical facility equipped to handle your condition. 
 
With AXA Travel Insurance, you can overcome many unexpected twists in your Belizean adventure, offering the assistance and support you need while on your journey. 
 
Here’s how travelers can benefit from  AXA Travel Protection Plans: 

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your travel medical insurance may offer coverage for emergency medical expenses, including hospital stays and doctors' fees. 

• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for emergency evacuation and repatriation to the nearest appropriate medical facility or repatriation.  

• Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover non-emergency 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 due to the luggage delay provision.  

• 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 opt for a trip cancellation cancel your trip due to a covered reason, such as sudden illness or injury. 

• COVID-19 Travel Insurance: 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 you face a trip delay 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 if you face a trip interruption. 

• 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 Travel Benefits  

• Lost s Skier Days: Exclusive to Platinum policyholders, the lost ski days 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. 

• Lost s Golf Days: Exclusive to AXA Platinum Plan policyholders, the lost golf days 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.  

Optional Travel Benefits  

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum policyholders, this optional benefit gives travelers a rental car collision damage waiver against damage and theft.  

• Cancel for Any Reason: Exclusive to Platinum policyholders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy.  

Do I Need Travel Insurance for Visiting Belize? 

Many travelers, depending on their nationality, are not required to secure travel insurance policies. However, there are scenarios where having travel insurance is required: 

1. Medical Emergencies: Exploring Belize often takes travelers to off-the-beaten-path locations. In case of a serious medical emergency where local facilities may not provide adequate treatment, the Emergency Evacuation & Repatriation coverage may cover the costs associated with transporting the traveler to the nearest appropriate medical facility or, if needed, repatriation to their home country. 

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 by providing baggage insurance, 

3. Trip Delay: Belize's tropical climate and geographical features make it susceptible to weather-related disruptions, such as typhoons or hurricanes. Trip Cancellation coverage may provide reimbursement if travelers need to cancel their trip due to unforeseen circumstances.  

How Much Does a Travel Protection Plan Cost for Belize? 

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

• Total Trip cost: The total non-prepaid and non-refundable cost you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age: Like 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 policy unattainable for older individuals. 

With AXA Travel Protection, travelers to Belize will be offered four tiers of plans: AXA Bronze, Silver, Gold, and Platinum Plan. Each provides varying levels of coverage to cater to individuals' preferences and travel needs. 

Our Suggested AXA Travel Protection Plans 

AXA presents travelers with four travel plans – the AXA Bronze, Silver, Gold, and Platinum Plan, each offering different levels of coverage to suit individual needs. Given that Belize 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 AXA Platinum Plan is your go-to choice if you're looking for extra coverage for the Belize 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 Belize's stunning landscapes in a rental car. 
 
If you face a severe medical emergency, having "Emergency Evacuation and Repatriation" is essential. This benefit may ensure that you can be taken to the closest suitable medical facility or transported back to your home country for the needed medical care. This is especially important if your condition requires specialized treatment that may not be available locally. 

What Types of Medical Coverage do AXA Travel Protection Plans Offer? 

AXA Travel Insurance covers two types of medical expenses: 

• Emergency medical expenses
• Emergency evacuation & repatriation 

Emergency Medical Expenses: Addresses unforeseen situations, including but not limited to broken bones, burns, sudden illnesses, and allergic reactions.

Emergency Evacuation and Repatriation: Offers assistance in leaving a destination promptly due to non-medical-related events. These events may include occurrences such as natural disasters or civil unrest.

Are There Any COVID-19 Restrictions for Travelers Visiting Belize? 

Currently, international travelers planning a Belize vacation are not subject to active COVID-19 restrictions, but staying up to date with travel resources remains important. For those exploring Belize City, San Pedro, or the Belize Barrier Reef, travel insurance can help provide coverage for medical treatment, ambulance services, or emergency services during their Belize trip. 

Traveling With Pre-existing Medical Conditions  

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

Our AXA Gold and Platinum Plans offer coverage for pre-existing medical conditions. The AXA 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 AXA Gold and Platinum Plans with a pre-existing 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 ensure you travel easily, no matter your health situation.  

Final Word 

As your Belize trip comes to a close, staying informed remains essential for a smooth return. Nature enthusiasts exploring ancient Mayan ruins in rural areas or snorkeling near Ambergris Caye should review Belize travel tips to better understand potential risks. Local authorities in tourist and resort areas often display signs in English, the official language, though other languages may also be commonly spoken. 

In the event of serious injuries during activities like scuba diving or in remote regions, medical needs may require evacuation. Immigration officials and local immigration office staff in urban areas can assist with required documentation. In major cities, public transportation is widely used, but travelers are advised to avoid walking alone at night and exercise caution. Keeping emergency contact numbers and up-to-date information readily available can support a safer, more enjoyable Belize vacation. 

FAQs about Belize Travel Insurance  

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

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

2. When should I buy a Travel Protection Plan to visit Belize? 

Purchasing travel protection plans for your trip is advisable as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs).  
 
AXA Travel Insurance offers coverage as soon as you purchase your travel 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 Belize?

No, travel insurance is not required for U.S. citizens traveling to Belize.

4. What is needed to visit Belize from the USA?

U.S. citizens visiting Belize for tourism or business and staying for 90 days or less do not need a visa. Additionally, several documents such as proof of purpose of stay, evidence of sufficient funds, and an onward/return ticket may be requested.

5. What happens if a tourist gets sick in Belize ?

If you become sick in Belize, travelers with AXA Travel Insurance can contact the AXA Assistance hotline at 855-327-1442. Contact information is typically provided within the travel insurance documentation. Please ensure to read through your policy details before you embark on your next trip.