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Travel Insurance when visiting the Caribbean

Essential travel insurance tips

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Why spend your next holiday on the couch doing Sudoku puzzles, when you could be sipping cocktails watching the sun go down in Jamaica or Puerto Rico? With countless island destinations to choose from, you can explore the Caribbean’s verdant rainforests and white sand beaches.

Before you book your flight for this popular holiday destination, you might want to consider buying travel insurance first.

What’s covered?

For all the beauty in the Caribbean, there is also the possibility of running into unexpected trouble. The following are some examples of how travel insurance can help if the unexpected happens to you:

Overseas emergency medical: if you become sick or are injured then your travel insurance may cover your treatment, hospitalisation, and medication expenses. However, you must notify our 24/7 Emergency Assistance Team as soon as reasonably possible. They will confirm if the treatment is medically necessary and advise you on what to do, help locate suitable medical facilities (particularly in remote areas where access to medical care could be tricky) and monitor your medical treatments if needed to make sure you are given proper care.

Emergency medical evacuation: if you are injured and require emergency transport to the nearest hospital via ambulance or helicopter, then the transportation costs may be covered. You will need to check with our 24/7 Emergency Assistance Team first.

Medical repatriation: we offer emergency medical repatriation back to the UK if medically necessary and authorised by our emergency medical assistance team.

Baggage cover: if your bags or other personal items are stolen, delayed, or go missing during your holiday, report the incident to the local police and get a Loss Report from them, as you’ll need to include this as supporting evidence, along with your receipts for these items, when submitting your claim. Benefit limits, conditions and exclusions apply.

Extended stays: you may extend your travel insurance policy past the expiration date if you’re planning to stay longer in the Caribbean. This will need to be done prior to the current expiration date of your policy and can be extended up to 12 months from the start date of your policy.

Rental car excess (Explorer Plan): if you have your rental car stolen or damaged, then you may be covered for the excess amount if you have purchased the Explorer Plan. Benefit limits, terms and conditions, and exclusions apply.

Cover for Coronavirus-related events: British travellers may be covered for medically necessary expenses if they get Coronavirus in the Caribbean. To find out what cover applies to you, read our Coronavirus cover article, which has all the details, including benefit limits, conditions, and exclusions.

How to get the most out of your insurance when visiting the Caribbean

The policy that you ultimately choose should depend on what type of Caribbean holiday you are planning to have. World Nomads offers two travel insurance plans, the Standard Plan and the Explorer Plan.

Both plans offer travel insurance essentials such as trip cancellation cover, baggage cover and emergency medical evacuation cover. However, the Explorer Plan offers higher benefit limits and/or sub-limits than the Standard Plan, as well as cover for a wider range of activities.

For example, if you plan to go hiking in the mountains of St Lucia, then you might want to check out our different levels of cover for hiking in case you are injured. World Nomads offers different levels of cover for hiking depending on the altitude, these include:

  • 3,000 metres (Level 1).
  • 4,500 metres (Level 2).
  • 6,000 metres (Level 3).

Note: make sure you check your policy for specific exclusions, such as search-and-rescue missions.

Besides hiking, World Nomads offers cover for 150+ adventure activities including:

  • Surfing.
  • Backpacking.
  • Scuba diving.
  • Kayaking.
  • Sandboarding.
  • Snorkelling.

If your favourite sport isn’t on the list, get in touch with our Customer Assistance Team and they will let you know if we cover it. Be aware that an upgrade for certain activities and sports may be required.

What to look out for when travelling around the Caribbean

Here are some common problems that travellers can encounter when visiting the region:

Extreme weather: well known as a sun-drenched paradise with a year-round warm climate, the Caribbean Islands are occasionally lashed by powerful tropical storms that wreak widespread destruction.

Travel insurance tip: if a hurricane, flood, or another natural disaster damages the hotel or hostel that you are booked to stay at, then you may be covered for transport expenses to and accommodation with an alternative provider up to the policy limit. (Explorer Plan).

Crime: travellers to the Caribbean are sometimes the targets of bag snatchings and other types of crimes, both petty and more serious.

Travel insurance tip: if you are the victim of a theft, you must obtain a written police report as soon as you can. Where possible, provide witness details along with any photographs, comply with all conditions of any issuing body and provide receipts for all costs incurred, or we will not pay for any claim you make.

What’s not covered?

Below is a brief list of what we do not cover. Please check your policy wording for a full list of benefit limits, exclusions, as well as the terms and conditions.

  • Any pre-existing conditions, unless otherwise stated in your policy.
  • Travelling to or staying in a country that the British Government has issued a public directive instructing travellers to avoid travel.
  • Being under the influence of alcohol or any illegal substances.
  • If you are acting in an irresponsible manner or not complying with local laws.
  • Disobeying your treating doctor’s directions and/or those of our Emergency Assistance Team.
  • Stolen, lost or damaged personal belongings that were left unguarded.


This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip from unexpected cancellation.

  • Explorer Plan: £5,000
  • Standard Plan: £3,000
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Abroad Medical Expenses

Take the pain out of medical costs while traveling abroad.

  • Explorer Plan: £10 million
  • Standard Plan: £5 million
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

Expenses included in Emergency Medical limits.

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

Help starts here.

Protect your gear

Cover your lost, stolen or damaged gear and tech.

  • Explorer Plan: £2,000
  • Standard Plan: £1,000
Protect your gear
  • Passport stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Medical Expenses
  • Baggage & Personal Belongings
  • Cancellation
  • Trip Curtailment
  • Personal Accident
  • Loss of Passport or travel documents
  • Personal Liability
  • Legal Expenses (Personal Liability)
This is a general summary for United Kingdom residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.
Pre-existing medical conditions

World Nomads policies cannot cover claims due to Pre-Existing Medical Conditions (PEMC), regardless of whether the condition is serious or not (this includes if you're on separate or joint policies). You can still purchase a World Nomads policy, but the PEMC exclusion is not removable. 

For travel insurance providers that offer cover on PEMC, visit the Money and Pensions Service (MaPS) Money Helper website, or call 0800 138 7777. BIBA's (The British Insurance Brokers' Association) Find Insurance Service offers information on serious PEMCs and travel insurance providers that may cover these conditions. You can also contact them on 0370 950 1790.

24/7 emergency assistance

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

Wherever you are, we’re here 24/7 to help you in any emergency.

Are you in need of emergency assistance right now?

For policies purchased on or after 1 September 2021:
+44 (0) 2030931750 (Call via an operator reverse charges. Not toll free.)

For policies purchased before 1 September 2021:
Phone: +353 21 237 8005 (Call via an operator reverse charges. Not toll free.)
Phone: +61 2 8263 0470 (Call via an operator reverse charges. Not toll free.)

Contact the team

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.