Photo © ViewApart/IStock

Histórias verdadeiras do departamento de Sinistros

Qualquer coisa pode acontecer em uma viagem (e acontece).

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Leia os melhores depoimentos dos piores casos que nós tratamos ao longo dos anos.

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
  • Você ou sua família estão doentes, feridos ou mortos?
  • Perdeu seu emprego?
  • Teve sua casa destruída?

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
  • Precisa de medicamentos?
  • Sofreu um acidente?
  • Ficou doente?

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
  • Se acidentou no exterior?
  • Precisa urgentemente de um hospital?
  • Impossibilitado de prosseguir viagem?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Suas malas sumiram?
  • Não encontra sua bagagem?
  • Malas danificadas?

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

Obtenha uma cotação de seguro de viagem

Seguro viagem simples e flexível. Compre em casa ou durante a viagem e faça a solicitação online de qualquer lugar do mundo

Faça uma cotação
A person hiking in front of a mountain
Photo © Roberto Moiola / Sysaworld

Travel insurance for the Caribbean

Essential travel insurance tips

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At a glance

  • World Nomads offers four travel insurance plans for your trip to the Caribbean. Plans range from standard to higher-limit protections. 
  • Coverage may apply to popular activities in the Caribbean like hiking, horse riding and diving. 
  • Policies for Canadians include protection for medical emergencies, trip interruptions and lost luggage. 

Deciding where to go in the Caribbean comes down to the kind of experience you’re after. Places like Jamaica and the Dominican Republic bring energy, music and beach life, while islands like St Lucia and Grenada balance dramatic scenery with a slower pace. In the Bahamas and Turks and Caicos, it’s all about clear water, reefs and easy island hopping. No matter where you go, you can choose your rhythm – beach days and water sports, adrenaline-charged adventures beyond your resort or simply slowing down – cocktail in hand. Distances between islands are short, making it easy to mix and match experiences on a single trip. The Dominican Republic is the most popular Caribbean destination for Canadian travellers, thanks to direct flights, affordability and year-round great weather.

Plan Comparisons

Choosing the right travel insurance coverage depends on your trip type and planned activities. We offer four plans – Standard, Explorer, Epic and Annual – each with different coverages or levels of coverage.

Standard PlanExplorer PlanEpic PlanAnnual Plan

Ideal for:
Budget Travelers

Coverage Includes:

  • Emergency medical – up to $1.5 million CAD 
  • Emergency Medical evacuation – up to $250,000 CAD 
  • Trip cancellation – up to $2,500 CAD 

Covering the basics for your trip to the Caribbean.

Get a quote

Ideal for:
Adventure Travelers

Coverage Includes:

  • Emergency medical – up to $5 million CAD 
  • Emergency Medical evacuation – up to $500,000 CAD 
  • Trip cancellation – up to $10,000 CAD 

Optional 'Cancel for Any Reason' available.

Get a quote

Ideal for:
Bucket-list trips

Coverage Includes:

  • Emergency medical – up to $10 million CAD 
  • Emergency Medical evacuation – up to $750,000 CAD 
  • Trip cancellation – up to $15,000 CAD 

Optional 'Cancel for Any Reason' available.

Get a quote

Ideal for:
Weekend warriors & avid travelers

Coverage Includes:

  • Emergency medical – up to $5 million CAD per trip 
  • Emergency Medical evacuation – up to $500,000 CAD per trip 
  • Trip cancellation – up to $10,000 CAD per trip 


Get a quote

Travel insurance for adventure activities in the Caribbean

Whether you stay on the coast or venture inland, there’s plenty here to keep you moving in the Caribbean. Dive or snorkel coral reefs in the Bahamas or Turks and Caicos, swim with stingrays in Grand Cayman or head out on sailing, kayaking and paddleboarding trips between islands. In St Lucia, hike the volcanic peaks of the Pitons or zipline through rainforest canopy, while in Jamaica, there’s everything from scuba diving to horse riding along the beach. The Dominican Republic offers mountain biking, canyoning and waterfall hikes inland, while Puerto Rico’s El Yunque rainforest is all about trails, rivers and natural pools.

Coverage for 250 activities you love + more

Snow 31 activities
Water 74 activities
Air 15 activities
Land 65 activities
Sports 85 activities
Experiences 18 activities
Activities shown in blue are automatically included in the Standard, Explorer, Epic and Annual Multi-Trip Plans. Activities shown in orange require an optional upgrade for coverage to apply. Special conditions and exclusions may apply to certain activities, check the Travel Insurance Policy for full details.

Common insurance considerations for the Caribbean

Accidents and emergencies 

No one likes imagining the worst, but if you do get seriously sick or have an accident that sends you to hospital, you’ll be glad you purchased travel insurance before you left home. Had a car accident in Jamaica? Cut your foot on a coral reef and ended up in hospital? Ate dodgy street food and got a bad bout of food poisoningEmergency assistance is a phone call away. 

Trip Cancellation

The best trips are often the ones you’ve planned months in advance, but you can’t predict the future and unexpected situations can sometimes happen before you even set off. Trip cancellation coverage is included in all single-trip and annual travel insurance plans offered by World Nomads and gives you the opportunity to cancel your trip before you depart – but only for covered reasons. Optional Cancel For Any Reason coverage allows you to cancel for any reason that’s not otherwise covered by your plan. Broke up with your partner? You can cancel your trip. Sick dog? You can stay home. Change your mind about travelling? There’s no judgment here. Just make sure you purchase Cancel For Any Reason insurance cover within 15 days of making your first trip payment (like booking a hotel or flight). 

Emergency evacuation 

If you get seriously sick or injured but you’re far from appropriate medical facilities, emergency evacuation and repatriation insurance can help get you the care you need. It may cover, up to the policy limits, the cost to get you to the closest appropriate medical facility or to your home province for further treatment. Under your World Nomads plan, emergency evacuation may be covered if it’s recommended by the attending physician and pre-approved by our 24/7 Emergency Assistance team. This benefit could include transportation costs and any related medical services or supplies. If you’re in hospital for three days or more, it may also include the transportation of a family member or companion to your bedside or the return of a dependent child back to your home. 

Trip interruption 

No matter how good of a time you’re having, things can happen that mean you have to finish your trip early or you’re unable to participate in your full planned itinerary. If you get severely injured or sick while you're travelling, or you get a call from back home and learn that an immediate family member has unexpectedly passed away, you may not be able to complete the rest of your planned trip. World Nomads offers trip interruption coverage that may help you get reimbursed for prepaid, non-refundable travel costs if your plans change for a covered reason. 

Tips for travelling to the Caribbean

  • Hurricane season runs from June to November, so check weather conditions and travel insurance before booking 
  • Pack light, breathable clothing, along with reef-safe sunscreen and insect repellent 
  • Follow local advice on swimming conditions, as currents can be strong on some beaches 
  • Book popular resorts and experiences early, especially in peak season (December to April) 

FAQ

Here are our most frequently asked questions about cover for the Caribbean. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

  • Is the Caribbean safe for travellers?
    Most Caribbean destinations are safe to visit, especially in resort areas. As with any destination, stay aware of your surroundings and take precautions in busy or unfamiliar areas.
  • What is the best way to get around?
    Flights are the quickest way to travel between islands, while ferries operate in some regions. On individual islands, taxis and rental cars are common.
  • What do I do if I need emergency assistance?

    No matter where you are in the world, our 24/7 Emergency Assistance partners at Travel Guard are ready to help – 24 hours a day, every day of the year. Whether it’s a medical emergencystolen gearmissing bags, or a natural disaster, they’re the first call to make. Need a translator? They can help with that too.

    When you call, you’ll be asked if you are experiencing a travel emergency. If you are having a medical emergency, you’ll be connected with Emergency Assistance right away. If your situation is not urgent and you are calling outside of normal business hours, you’ll be able to leave a message and be called back. 

    The contact information for medical emergency assistance is: 

    Phone: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or 

    Phone: +1 416 646 3723 (collect from anywhere else in the world) 

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 hospitalized?
  • 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?
  • Medevac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech 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.
This article is for general informational purposes only. It is not intended to provide medical, legal, insurance, or travel advice and provides only a general summary of certain features that may be available under applicable travel insurance policies. Coverage is subject to the specific terms, conditions, limitations, exclusions, and pre-existing condition provisions of the applicable insurance policy. In the event of any inconsistency between this article and the wording of any insurance policy, the policy wording shall govern and take precedence. It is important that you read and understand your policy before travelling. If you have questions about your coverage or are unsure how your policy applies to your circumstances, please contact us for clarification.
Photo © Nikada/IStock

Travel Insurance for the Caribbean

Travel advice for Americans visiting the Caribbean

    As featured in:

  • As featured in:

At a glance

  • World Nomads offers four travel protection plans for your trip to the Caribbean. Plans range from standard to higher-limit protections. 
  • Coverage may apply to popular activities in the Caribbean like swimming, horse riding and scuba diving. 
  • Policies for Americans include protection for medical emergencies, trip interruptions and lost luggage. 

Deciding where to go in the Caribbean comes down to the kind of experience you’re after. Places like Jamaica bring energy, music and beach life, while islands like St Lucia and Grenada balance dramatic scenery with a slower pace. In the Bahamas and Turks and Caicos, it’s all about clear water, reefs and easy island hopping. No matter where you go, you can choose your rhythm – beach days and water sports, adrenaline-charged adventures beyond your resort or simply slowing down – fruity drink in hand. Distances between islands are short, making it easy to mix and match experiences on a single trip. The Dominican Republic is one of the more popular Caribbean destinations for American travelers, thanks to direct flights, affordability and great Spring Break weather.

Plan Comparisons

Choosing the right travel protection coverage depends on your trip type and planned activities. Each of our four plans – Standard, Explorer, Epic and Annual – offers different coverages and benefit maximums.

Standard PlanExplorer PlanEpic PlanAnnual Plan

Ideal for:
Budget Travelers

Coverage Includes:

  • Accident & Sickness Medical Expense – $125,000
  • Medical Evacuation – $400,000 
  • Trip Cancellation – $2,500

Covering the basics for your trip to the Caribbean.

Get a quote

Ideal for:
Adventure Travelers

Coverage Includes:

  • Accident & Sickness Medical Expense – $150,000
  • Medical Evacuation – $500,000
  • Trip Cancellation – $10,000

Optional 'Cancel for Any Reason' available.*

Get a quote

Ideal for:
Bucket-list trips

Coverage Includes:

  • Accident & Sickness Medical Expense – $250,000
  • Medical Evacuation – $700,000
  • Trip Cancellation – $15,000 

Optional 'Cancel for Any Reason' available.*

Get a quote

Ideal for:
Weekend warriors & avid travelers

Coverage Includes:

  • Accident & Sickness Medical Expense – Up to $100,000 per trip
  • Medical Evacuation – Up to $100,000 per trip
  • Trip Cancellation – $5,000 per individual coverage term
Get a quote
*Additional cost, terms and conditions apply. Not available to residents of NY

Travel insurance for adventure activities in the Caribbean

Whether you stay on the coast or venture inland, there’s plenty here to keep you moving in the Caribbean. Dive or snorkel coral reefs in the Bahamas or Turks and Caicos, swim with stingrays in Grand Cayman or head out on sailing, kayaking and paddleboarding trips between islands. In St Lucia, hike the volcanic peaks of the Pitons or zipline through rainforest canopy, while in Jamaica, there’s everything from scuba diving to horse riding along the beach. The Dominican Republic offers mountain biking, canyoning and waterfall hikes inland, while Puerto Rico’s El Yunque rainforest is all about trails, rivers and natural pools.

Coverage for activities in The Caribbean

Snow 31 activities
Water 74 activities
Air 15 activities
Land 65 activities
Sports 85 activities
Experiences 18 activities
Activities shown in blue are automatically included in the Standard, Explorer, Epic and Annual Multi-Trip Plans. Activities shown in orange require an optional upgrade for coverage to apply. Special conditions and exclusions may apply to certain activities, check the Travel Insurance Policy for full details.

Common insurance considerations for the Caribbean

Accidents and emergencies 

No one likes imagining the worst, but if you do get sick or have an accident that sends you to the hospital, you’ll be glad you purchased travel protection before you left home. Cut your foot on a coral reef and ended up in the hospital? Ate dodgy street food and got a bad bout of food poisoningEmergency assistance is a phone call away. All World Nomads plans include non-insurance services like portable health records. This enables medical staff to access your records 24/7. Having that information available may be critical if you experience an unexpected medical emergency while travelling.

Trip Cancellation

The best trips are often the ones you’ve planned months in advance, but you can’t predict the future and unexpected situations can sometimes happen before you even set off. Trip cancellation coverage is included in all single-trip and annual travel protection plans offered by World Nomads and gives you the opportunity to cancel your trip before you depart – but only for covered reasons. Optional Cancel For Any Reason coverage allows you to cancel for any reason that’s not otherwise covered by your plan. Broke up with your partner? You can cancel your trip. Sick dog? You can stay home. Change your mind about traveling? There’s no judgment here. Just make sure you purchase the Cancel For Any Reason benefit within 7 days of making your first trip payment (like booking a hotel or flight) and remember to cancel no later than two days before your departure date. Additional cost, terms and conditions apply; not available to New York residents.

Emergency evacuation

If you get sick or injured and your condition is acute, severe, or life threatening and you’re far from suitable medical facilities, emergency evacuation and repatriation coverage may help get you the care you need. It may cover, up to the maximum benefit amount, to get you to the closest suitable medical facility or to your primary residence for further treatment. Under your World Nomads plan, emergency evacuation may be covered if it’s recommended by the attending physician and pre-approved by our 24/7 Emergency Assistance team. This benefit could include transportation costs and any related medical services or supplies.

Trip interruption

No matter how good of a time you’re having, things can happen that mean you have to finish your trip early or you’re unable to participate in your full planned itinerary. If you get injured or sick while you're traveling, or you get a call from back home and learn that an immediate family member has unexpectedly passed away, you may not be able to complete the rest of your planned trip. World Nomads offers trip interruption coverage that may help you get reimbursed for prepaid, non-refundable travel costs if your plans change for a covered reason.

Tips we recommend for traveling to the Caribbean

  • Hurricane season runs from June to November, so check weather conditions and consider travel insurance before booking 
  • Pack light, breathable clothing, along with reef-safe sunscreen and insect repellent 
  • Follow local advice on swimming conditions, as currents can be strong on some beaches 
  • Book popular resorts and experiences early, especially in peak season (December to April) 
Image not found

FAQ

Here are our most frequently asked questions about cover for the Caribbean. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

  • Is the Caribbean safe for travelers? 

    Most, but not all, Caribbean destinations are safe to visit, especially in resort areas. As with any destination, stay aware of your surroundings and take precautions in busy or unfamiliar areas. Follow US Department of State travel advisories. You may want to consider travel insurance for those unexpected situations that arise. 

  • What is the best way to get around?
    Flights are the quickest way to travel between islands, while ferries operate in some regions. On individual islands, taxis and rental cars are common.
  • What if my passport gets stolen in the Caribbean?

    World Nomads travel protection plans cover theft or damage of the following documents: 

    • Passports 
    • Driver’s licenses 
    • Birth certificates 
    • Travel visas 

    You can claim up to the maximum limit stated in the policy towards the replacement of your passport or one or more other travel documents mentioned above. 

  • What do I do if I need emergency assistance?

    No matter where you are in the world, our 24/7 non-insurance Emergency Assistance partners at Generali Global Assistance are ready to help – 24 hours a day, every day of the year. Whether it’s a medical emergencystolen gearmissing bags, or a natural disaster, they’re the first call to make. Need a translator? They can help with that too.

    When you call, you’ll be asked if you are experiencing a travel emergency. If you are having a medical emergency, you’ll be connected with Emergency Assistance right away. If your situation is not urgent and you are calling outside of normal business hours, you’ll be able to leave a message and be called back. 

    The contact information for medical emergency assistance is: 

    Phone: +1 (877) 289-0968 (toll-free from the Continental US); or 

    Phone: +1 (954) 334-8143 (collect from anywhere else in the world) 

Need destination inspiration for the Caribbean?

Not sure where your next adventure should take you? Take a look at these travel and safety ideas and get destination-specific travel insurance tips to help you plan with confidence.

Transport in Barbados: How to Travel Around Safely

Scuba Diving Travel Insurance Coverage

Indo-Caribbean Culture in Trinidad and Tobago

20260702-5703884. *This website is not affiliated with United States Fire Insurance Company, World Nomads, or Trip Mate. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.

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 hospitalized?
  • 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?
  • Medevac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech 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.
Photo © Nikada/IStock

Travel insurance for the Caribbean

Essential travel insurance tips

    As featured in:

  • As featured in:

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