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Travel insurance for the Caribbean

Essential travel insurance tips

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Sun, sandy beaches and azure blue waters to enjoy – the Caribbean is an island paradise just waiting to be experienced! Whether you’re going on an island cruise, visiting one of 22 UNESCO heritage sites or hitting up local markets for a bite of famous jerk chicken, consider our tips on traveling in the Caribbean to get the most out of your trip. 

What’s covered when traveling in the Caribbean

With World Nomads, you can buy travel insurance when you book your trip from home or while you're already traveling around the many islands of the Caribbean. All our plans offer cover (up to the benefit limits) for: 

Make sure that you’ve selected the right travel insurance plan for your specific needs. World Nomads has two levels of cover - the Standard Plan and Explorer Plan - that offer different benefits, limits and sub-limits so it’s best to compare them to see which one suits your travel needs.

You can get a quote, make a claim, or extend your policy instantly online, even while traveling. 

Five top things to be aware of when traveling in the Caribbean

  1. Severe Weather

Hurricanes and tropical storms are among the biggest threats of your trip turning upside down. If your flight or cruise has been cancelled, or your hotel is unable to accept visitors, you may qualify for trip cancellation or interruption benefits, depending your Country of Residence. 

Traveler tip: timing is key: You need to have bought your travel insurance plan before the storm was announced on TV or through major news sites and government sites. You also won’t be eligible for coverage if you cancel because of a few knocked-down trees, or the forecast is cloudy and gray.

Stay up to date with the latest travel alerts and warnings for the Caribbean here.

  1. Street Crime

Street crime and petty theft, such as pickpocketing and mugging, are unfortunate realities in the Caribbean. Should that happen to you, get to safety first and go to the local authorities to report the incident (don’t forget to get a copy of the report, which you’ll need if you make a claim).

Our 24/7 Emergency Assistance team can provide 24/7 365 days assistance when you are in a medical crisis, such as helping to locate health care facilities, providing a medical transfer to a hospital or repatriation to your home country where necessary, and getting in touch with family members in case of an emergency.

If your personal belongings get swiped,  you may be able to make a claim for replacement or reimbursement of your stolen items, up to a per item and total maximum limit. Terms and conditions apply, so be sure to check your policy wording. 

Traveler tip: if you forgot to buy travel insurance before you left home, you can purchase while you’re travelling (a waiting period may apply for some benefits).

  1. Adventure awaits!

The Caribbean feels like a non-stop adventure, from snorkelling in crystal-clear water and trekking amid cloud forests, to swimming under cascading waterfalls. The great news is that our travel insurance policies offer coverage for more than 150 activities, experiences and sports including:

Depending on your travel plans and Country of Residence, you may need to upgrade your policy to be covered for the activities you will be doing. If you’re unsure whether the activity you want to do is covered, just contact us.

Keep in mind that certain adventures may also have special conditions and exclusions which, if you don’t comply, could affect your coverage. These could be getting certification for your activity, or booking the excursion with a qualified, licensed operator and abiding by safety practices, whether or not or they’re a part of the local law. 

  1. Medical Emergencies 

Surfing accidents, sunburn and dehydration, food poisoning, or in the worst case scenario an act of violence. Major and minor occurrences can happen in the Caribbean, which is why our plans cover emergency medical expenses if you fall ill, get into an accident or get hurt on your trip. If you experience a medical emergency whilst on holiday in the Caribbean, be sure to contact our 24/7 Emergency Assistance team, who will need to approve your surgical procedures, medical treatment, or evacuation, otherwise your coverage may be reduced or impacted.

Traveler tip: be sure to get reports, documentation and receipts if you need medical care, as you will need these to support your claim.

  1. Passports and Visas 

Depending on your Country of Residence you may not need a Visa to travel in the Caribbean. Keep in mind that the Caribbean is made up of 13 countries, each of which have their own rules and regulations. Be sure to check the requirements before you arrive. 

Keep your passport safe by locking it in a hotel or hostel safe and avoid carrying it around. It’s also wise to leave a copy with someone you trust back home, as well as a digitally secure copy of your passports and Visas.

If your passport is stolen, our policies may help cover some of the extra costs while you arrange an emergency replacement passport. Be sure to check the policy wording for coverage conditions.

Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any optional extras or upgrades you add.

What’s not covered?

Travel insurance isn’t designed to cover everything – so make sure you know what you’re covered for. Some of the events we don’t cover include:

  • Pre-existing medical conditions: see the policy wording for details.
  • Activities and sports: participation in a sport or activity not listed in the policy wording, or one that's offered by World Nomads, but you haven't paid the required additional premium or requirement.
  • Not following doctor’s orders: disobeying your treating doctor’s directions and/or those of our Emergency Assistance Team.
  • Leaving valuables unattended: stolen, lost or damaged personal belongings that were left unguarded.
  • Recovering expenses: expenses you have not made every reasonable attempt to recover from the carrier, accommodation provider, booking or travel agents, any compensation scheme, or other source.
  • Not following travel advice: if you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.

Looking for more travel inspiration for the Caribbean? 

Check out some of our other articles and information to help you plan your ideal Caribbean adventure including: 

Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions outlined in the policy wording. Coverage may not be the same or available for residents of all countries, states or provinces. If you’re not sure if something is covered, get in touch.

Travel Insurance Benefits: how we can take care of you*

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

Get an instant travel insurance quote

Simple and flexible travel insurance designed by travelers, for travelers. See why over 3 million travelers have chosen World Nomads for more than 20 years.