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Travel insurance for the Caribbean

Essential travel insurance tips

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The Caribbean islands aren’t always paradise. That’s why there’s travel insurance. Here are a few situations that you could encounter, and tips on how you can get the most out of your coverage.

Severe Weather

Hurricanes and tropical storms are among the biggest threats of your trip turning upside down. If your flight has been cancelled or your hotel is uninhabitable, you may qualify for trip cancellation or interruption benefits. Timing is key here: You need to have bought your plan before the storm was announced. 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.

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). World Nomads' 24/7 Emergency Assistance team can give you hand with whatever you need in a crisis, such as helping to locate health care facilities or consular services and contacting family members.

If your personal belongings get swiped under your supervision, besides an official loss report, you’ll also need the original receipts for the items. Your policy may have per-item and maximum limits and exclude coverage of high-value items or cash.


The Caribbean feels like a non-stop adventure, from snorkeling in crystal-clear water and trekking amid cloud forests to swimming under cascading waterfalls.

Whatever the activity, it’s important to choose the right level of coverage. Read the policy wording, browse the World Nomads’ Help Center, or contact our customer service team to see if what you’re planning to do is covered under your plan. You may have to pay an additional premium for an adventure sports upgrade or purchase the Explorer plan instead of a Standard.

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. It could also be as simple as abiding by safety practices, whether or not or they’re a part of the local law.

It’s never a good idea to guzzle multiple frozen daiquiris before swimming, or going scuba diving at depths greater than what you can handle. So practice caution and be sure to check your policy for conditions (our plans cover scuba diving up to 165 feet), and exclusions such as extreme sports or pre-existing conditions.

Medical Emergencies

Surfing accidents, sunburn and dehydration, food poisoning, or – heaven forbid – an act of violence. Major and minor occurrences can happen in the Caribbean, and believe us, they do…no matter how careful or prepared you think you are.

In a life-threatening emergency, call the local emergency number first. Then contact the 24/7 Emergency Assistance team, who will need to approve your surgical procedures, medical treatment, or evacuation.

Remember: any emergencies due to pre-existing conditions aren’t included unless specified in your policy; and your plan only covers emergencies, not routine or preventative care, such as eyeglass prescriptions and annual physicals.

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Explorer Plan: $100,000
  • Standard Plan: $100,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation

We'll provide assistance to get you to the hospital or home quickly.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
Emergency Evacuation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Passport stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, 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?

Contact Generali Global Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

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.

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