Why You Need Travel Insurance
The Caribbean is a region of island nations, which means travel — whether for work, family visits, or vacation — often involves flights, ferries, and crossing international borders. Each crossing introduces risk.
Consider these real scenarios:
- A hurricane warning forces your airline to cancel your flight. Your hotel is non-refundable. Without travel insurance, you lose everything you paid.
- You break your ankle hiking in Dominica. The local hospital cannot perform the surgery. You need a medical evacuation flight to Barbados costing $35,000. Without travel insurance, you pay this yourself.
- Your luggage is lost on a connection through Miami. It contains your laptop, medication, and conference materials. Without travel insurance, the airline’s liability is capped at around $3,500 — often far less than your actual loss.
Single-Trip vs Annual Multi-Trip
Single-trip policies cover one specific journey from departure to return. Ideal if you travel once or twice a year.
Annual multi-trip policies cover unlimited trips within a 12-month period, usually with a per-trip duration cap (e.g., 30 or 60 days per trip). If you travel frequently between Caribbean islands for business or family, this is almost always cheaper and more convenient.
Caribbean tip: If you travel between islands more than 3 times a year, an annual multi-trip policy will save you 40–60% compared to buying separate single-trip policies.