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Visitors to Jamaica are drawn to its many natural wonders, resorts and nightlife destinations as well as its reputation as the birthplace of reggae. There’s a lot to see and do, but the country isn’t without hazards, so it’s a good idea to pick up comprehensive travel insurance for Jamaica to keep you — and your bank account — safe on your vacation.
Be aware that most travel insurance policies don’t offer COVID-19 coverage. To find one that does, have a look at travel insurance policies that cover the coronavirus.
Keep in mind how long you’ll be away, when you’re going, what you plan on doing while you’re there and how many of you are traveling. You have numerous options to get yourself covered while you’re away.
Medical. This is coverage everyone should have, regardless of your age or level of health. You never know when illness can strike, and injuries can happen in the most unexpected places. Private facilities in Jamaica require upfront payment, so look for a travel insurance policy that can pay up front. The alternative to this is to pay any costs yourself and then claim back what you can later.
Trip cancellation and luggage loss. If there’s a delay for any reason — snowstorms stateside, or hurricanes closer to your destination — the travel portion of your expenses are covered. Your belongings will also be protected if your luggage ends up on another island, or even if you get pickpocketed while touring around.
Activity. For adrenaline junkies, it’s a good idea to take out a little extra coverage. Some more specific activity coverage to consider can include:
Evacuation. Repatriation or evacuation insurance is also a fair consideration if you’re planning on some extreme excursions or are staying in more remote areas and experience serious medical emergencies that require you to return to the mainland USA for treatment.
Group. Attending a wedding with family? Going away for a family reunion? Get everyone covered similarly under a single policy.
Multitrip. Love Jamaica so much, you’ll be back before you know it? Cover all your travels back and forth with multitrip coverage.
Comprehensive. If you’re keeping the door wide open for all kinds of experiences, get everything covered under one policy.
Some other exclusions to watch out for in a travel insurance policy include:
With millions of tourists flocking to its beaches each year, Jamaica is a fairly safe place to visit. However, no destination is risk-free, which is why it’s a good idea to have travel insurance in case something goes wrong. Concerns to be aware of in the country include:
In the event of an emergency, useful contacts include:
Home to Bob Marley, really good coffee and even better rum, Jamaica is one of the world’s favorite vacation locales. Whether you’re looking for a chance to take the world’s longest nap on the beach or to be a little more adventurous with an off-the-grid hike, Jamaica has it all. It also has its risks, like anywhere else in the world, so before you pack your bags, pack a copy of your travel insurance policy to keep yourself safe on your Jamaican getaway.
When should I purchase a policy?
Purchase your travel insurance for Jamaica when you buy your plane ticket. That way, you’re covered if you have to cancel your trip.
How much Jamaican rum can I bring back to the US?
As long as you’re staying in the country for more than 48 hours, you can bring back up to one liter of alcohol in your checked baggage. You’re also allowed to bring up to 100 Jamaican cigars and a total of $800 worth of tax-free goods.
Which credit cards work in Jamaica?
Visa and Mastercard are widely accepted in the country, although Discover cards might not work in all shops. Read our guide to learn more about using your credit card in Jamaica.
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