-
Travel Insurance for the Caribbean is essential. It’s a dream destination for cruises, honeymoons and bucket list getaways. But things can and do still go wrong. Get protection for your break and belongings and travel with confidence.
-
What is Travel Insurance for the Caribbean – and do you need it?
-
Which islands are covered by Caribbean Travel Insurance?
-
What does AllClear’s Caribbean Travel Insurance cover?
-
AllClear’s Travel Insurance for the Caribbean with pre-existing medical conditions
-
Find the best Caribbean Travel Insurance for your trip
-
How our Travel Insurance for the Caribbean works: A simple 3 step quote process
-
Frequently Asked Questions on Caribbean Travel Insurance
-
Get the most out of your trips with our helpful guides
Travel Insurance for the Caribbean is essential. It’s a dream destination for cruises, honeymoons and bucket list getaways. But things can and do still go wrong. Get protection for your break and belongings and travel with confidence.
What is Travel Insurance for the Caribbean – and do you need it?
Travel Insurance for the Caribbean protects you from possible issues you may face. This includes emergency medical treatment or having to cancel.
Cuba makes Caribbean holiday insurance mandatory. Plus, it’s strongly recommended even in locations where it’s not compulsory. Caribbean Travel Insurance will give you peace of mind so you can relax.
Even the most peaceful beach holiday can face issues:
- Crimes against tourists can be common in some Caribbean destinations. The FCDO says, “The crime rate in the Dominican Republic is high. Incidents range from opportunistic bag-snatching and pickpocketing to violent crime and carjacking.” While in the Bahamas: “There is an increase in reported break-ins and thefts.” Protecting your belongings is essential while you’re away
- The Caribbean is a dream destination for a cruise. In fact, it was the top most searched destination for cruise goers in 2024. Cruises can bring unique issues, such as missed port departures, cabin confinement and unused excursions. Cruise with confidence with our Caribbean cruise holiday insurance cover
- Holidaying on islands, you may not always be able to find the treatment you need. ABTA estimates an air ambulance could cost you between £65,000 – £74,000. Look for Caribbean Travel Insurance with medical repatriation
- Many Caribbean islands are at risk of hurricanes and earthquakes. Cuba is thought to be at an 80% chance of facing a hurricane in 2024, while Jamaica’s airports closed earlier in the year. Get protection with our optional cover for Natural Disasters³
We are a travel insurance with medical conditions provider. We can insure you even if you have a pre-existing condition. We’ve covered more than 3.5 million holidaymakers. Plus, we’re the UK’s most trusted Travel Insurance Provider⁴.
Get your Caribbean Holiday Insurance quote online now, or call our team for free.
Which islands are covered by Caribbean Travel Insurance?
If you’re looking for Single Trip Travel Insurance for the Caribbean. Simply let us know where you’re going, and we will provide you with a quote. We can cover you even if you’re visiting multiple islands. Just let us know what locations you’re going to. This includes separate island nations.
Caribbean Holiday Insurance can cover destinations including:
- Cuba
- Jamaica
- Aruba
- Bahamas
- Barbados
- Dominican Republic
- Antigua
- Grenada
- Turks and Caicos
- St. Lucia
- Trinidad and Tobago
If you’re buying an Annual Multi-trip policy, make sure you buy the worldwide option which includes the Caribbean, Mexico, the USA and Canada.
We cannot cover you if you’re travelling against FCDO advice. Or if you do not comply with entry requirements.
Note: Some destinations are British Overseas Territories. For example, Anguilla and Montserrat have reciprocal health agreements with the UK. You can access some medical assistance at the same cost as locals.
However, not all treatments and services are included, so it’s important to have Travel Insurance for the Caribbean. A policy will also cover you for other issues you may face. This includes stolen belongings or travel delays.
For full details of Travel Insurance for the Caribbean, read our Policy Wording.
What does AllClear’s Caribbean Travel Insurance cover?
Travel Insurance for the Caribbean means you can go away with confidence. Pick a policy which includes everything you need:
What’s covered?
-
- Medical cover: AllClear policies include emergency medical cover, including costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment
- Cancellation and cutting your trip short: Cover for your flight and accommodation costs if you unexpectedly have to cancel for reasons outside your control. We’ll also cover you if you need to return home early following an emergency
- Your baggage: Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy
- Travel delays and missed departures: We’ll compensate you for the time if your flight is delayed. If you miss your flight due to reasons outside of your control. You’ll also be covered for accommodation and transport costs
- Personal liability: Cover for your legal expenses and any liability due if you accidentally injure someone. You also have cover if you damage their property while you’re away on holiday
- All ages: We believe Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance has no upper age limit
-
What’s not covered?
-
- Deciding not to travel: We do not provide any cover if you can travel but choose not to
- Other regions: We won’t cover you if you travel outside your chosen region. Although you can contact us to upgrade your policy at any time
- Claims below the value of excess: You’re not covered for claims that fall below the value of the excess stated in your policy
- Medical conditions you fail to declare: You need to provide us with an accurate medical history when you buy Travel Insurance, so we can give you the right cover. This is especially vital for senior travellers and those with long-term conditions
- Activities: Always check that any activities you plan are included by reading the Policy Wording. We offer a range of optional extra cover if needed. We do not cover winter sports for anyone over 65
- Travelling against government advice: If travel to the region you’re visiting is advised against, you will not be covered if you go anyway. Always check the FCDO website
-
For full details of what is and is not covered with Caribbean Holiday Insurance, check your Policy Wording.
We tailor all our travel policies to you with three different policy levels: Gold, Gold Plus, and Platinum.
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and cutting your trip short | Up to £2k | Up to £15k | Up to £25k |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £5k |
| Personal liability | Up to £2m | Up to £2m | Up to £2m |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k |
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
AllClear’s Travel Insurance for the Caribbean with pre-existing medical conditions
Do you live with COPD, diabetes, heart disease or other medical conditions? As a travel insurance for medical conditions specialist, we can provide you with Travel Insurance for the Caribbean.
We cover over 1,300 medical conditions. Plus, 97% of our customers would recommend us to family and friends⁵. Our medical screening process is quick and easy. Get your Caribbean Holiday Insurance quote online now, or call our team.
You must disclose to us if you or anyone else insured on the policy has:
- In the last two years, taken any prescribed medication or received medical treatment or advice at a hospital, clinic, GP surgery or via remote consultation;
- Received or been offered palliative care;
- Been placed on a waiting list that could cause you to cancel or curtail your trip;
- Been advised of a terminal illness.
Read our Policy Wording for full terms and conditions.
Find the best Caribbean Travel Insurance for your trip
Looking for Travel Insurance for a Caribbean cruise or golf cover? We have a range of policies available:
- Caribbean Cruise Insurance: Get protection for the problems you face on a cruise, such as getting ill onboard
- Natural Disaster cover⁶: Optional cover if your trip is impacted by a hurricane or earthquake
- Golf: A popular destination for a golfing holiday. Protect your clubs and get cover for issues such as lost green fees
- Cover for couples: Heading to the Caribbean on your honeymoon? We can insure you and your partner on the same policy
- Activities: Are water sports or extreme sports your thing? See our Policy Wording to find out which activities are included. We have a range of additional cover if you need it
- Annual Travel Insurance for the Caribbean: You can visit the Caribbean on one of our multi-trip policies. Make sure you have our worldwide option including the US, Canada, Mexico and the Caribbean
Always read our Policy Wording for full details.
How our Travel Insurance for the Caribbean works: A simple 3 step quote process
We know you can’t wait for your holiday to begin. Get Caribbean Travel Insurance and you’ll be one step closer to your big trip:
- Tell us about you
We need to know a little information about you and your holiday plans. Tell us online or phone our team.
2. Declare your pre-existing medical conditions
Tell us about any pre-existing medical conditions. If you don’t declare them, you won’t be covered for issues relating to them. Our medical screening process is quick and easy.
3. Get your quote
We will show you your quote for Caribbean Holiday Insurance. Then you can buy your policy or save your quote for later.
Always read our Policy Wording before purchasing your policy.
“White sandy beaches and year-round sun. The Caribbean is the perfect place to relax. Buying Travel Insurance for the Caribbean will mean you can do just that. Safe in the knowledge that if something does go wrong, you’re covered. We offer up to unlimited cover for medical expenses and repatriation, along with up to £25K cancellation cover.”
Letitia Smith – Head of Communications.
What our Customers Say
98% of our customers rate us as ‘Excellent’ or ‘Great’⁷. Read more reviews on Trustpilot.
Definitely AllClear
“I renewed my Travel Insurance changing to Worldwide including Caribbean. I was able to get the cover I wanted and flexibility that I could not get from other insurers.”
Frequently Asked Questions on Caribbean Travel Insurance
Do you need Travel Insurance for the Caribbean?
Cuba makes Caribbean Travel Insurance mandatory. Other countries do not. However, Travel Insurance for the Caribbean is strongly recommended. You could face high costs from your own pocket if something goes wrong while you’re away. For instance, if you need emergency medical repatriation.
Entry requirements may change; always check the FCDO website.
Does GHIC cover healthcare for visitors in the Caribbean?
No, in general, the Global Health Insurance Card (GHIC, previously EHIC) scheme doesn’t include the Caribbean.
There are British Overseas Territories in the Caribbean. Some have reciprocal health agreements with the UK. There, you can access some medical assistance at the same price as locals. Find out more information on the UK government website.
There are a small number of French overseas territories in the Caribbean where the GHIC may be accepted. These include Martinique, Guadeloupe and Saint Martin. Again, you may be able to access some emergency state medical assistance at the same cost as residents.
These agreements do not apply to most destinations in the Caribbean. Plus, not all medical treatment is covered. Caribbean Travel Insurance is always strongly recommended. As well as medical treatment, it can help with stolen bags and travel delays.
Is Mexico in the Caribbean for Travel Insurance?
Mexico is in the same region as the Caribbean when we provide quotes:
For Single Trip policies: You tell us where you’re going and we tailor your quote to your trip.
For Annual Multi-trip policies: You would need to choose the correct worldwide region. We have an option that includes trips to anywhere in the world including the USA, Mexico, Canada and the Caribbean.
Can you add Caribbean Travel Insurance after booking your trip?
Yes! You can buy Caribbean Travel Insurance up until the day of departure. As long as you haven’t been through customs or left the UK.
You must be in the UK at the time of purchase. Your trip must start and end in the UK.
For more information, read our Policy Wording.
How much is Travel Insurance for the Caribbean?
Your quote will depend on your age and pre-existing medical conditions. We will also need to know where you’re going and how long you’re going for. As well as whether you require any extra cover. We have optional cover for cruises, golf and other activities.
Get your quote online or over the phone with our team.
Get the most out of your trips with our helpful guides
Where are you visiting?
Explore our helpful guides for tips on ensuring you remember everything you need when travelling to one of the destinations below.
Which activities do you have planned?
Whether you’re planning a skiing holiday or setting sail on a cruise, remember to add extra coverage to your policy for a worry-free trip.
