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Get comprehensive travel insurance for your next trip, with policies starting from just *

Cheap Caribbean travel insurance

When it comes to holidaying in the Caribbean, you're likely already spent a considerable amount on flights, accommodation and activities. The last thing you want is to have to pay a fortune on travel insurance. That's why Holidays Extras provide high quality, comprehensive travel insurance to the Caribbean at a reasonable price.

Choosing the right travel insurance for your Caribbean trip

To get travel insurance that's suited to your needs, there are a number of things you'll need to consider. If you decide to book with Holiday Extras, remember to select the Worldwide cover option 'including USA, Canada and the Caribbean'

Single or Annual-multi trip?

First of all, you can decide whether you just want to take out a single trip policy, or if you'd prefer to go for an annual multi trip policy.

Single and Annual multi-trip policies

Whether you want cover for a single trip , or for several trips planned throughout the year on an annual multi trip policy, you can be assured of reliable, robust cover.

Single Trip Policies
Annual Multi-Trip Policies
Your trip can last up to 365 days but must start and end in the UK to be entirely valid Maximum trip duration varies depending on the policy: 22 days for Bronze, 31 days for Silver and Bronze, 45 days for Platinum
You have to buy your policy while on UK soil for it to be valid — once you pass through security you are technically no longer in the UK. Can be purchased a maximum 30 days in advance of the start date of your trip
All ages are accepted on single trip policies, however, age limits apply for cruise policies. Under 18s can travel alone on a single trip policy. Under 18s must travel with an adult and you cannot travel on the policy if you are older than 79 years at the date of booking
With prices starting from just * With prices starting from just ***

† If you need to seek medical attention whilst abroad, please ensure that you contact the 24-hour Emergency Assistance Service for help and advice before treatment, where possible. Full details can be found within the policy wording.

The advantage of taking out an annual multi-trip policy is that you're covered for an unlimited number of trips during a 365 day period from the start of the policy. This means if you have more trips to the Caribbean or anywhere else planned within the next year, then you'll be covered, without having to take out another policy. Please note that each trip musn't exceed the maximum trip duration stated in your policy wording.

Water sports cover

The Caribbean is a popular destination for surfing, scuba-diving, snorkelling and other underwater activities, so if you have anything like this planned, it's important to make sure that the policy you choose covers for water sports. With Holiday Extras, cover for certain watersports is included in the policy.

All of our policies include cover for 100+ sports with a variety of water sports

If you are taking part in more extreme or high risk watersports, you may need to take out an extra activities pack for additional cover. Activities packs can be selected at the quote stage. If you are unsure whether an activity you have planned is covered or not, be sure to check the policy wording which can be found when making a quote. Check out our extreme sports travel insurance page for more information.

Travel insurance for Caribbean cruise

Of course, another popular way to experience the Caribbean is to take a luxury cruise tour, stopping off at the major islands. If this is how you plan to visit the Caribbean, then you will, of course, need to look for a specialised cruise travel insurance policy for the Caribbean.

With Holidays Extras cruise travel insurance, you are covered for things like:

Missed port departure

Unused excursions

Cruise itinerary change

Cabin confinement

When is the best time to go?

If you're looking to keep costs low, then it's generally cheaper to travel to the Caribbean during the off-season, which occurs between the mid-April to mid-November range. This season is also hurricane season however, so it's wise to weigh up the savings against what could potentially happen. If you do decide to travel to the Caribbean during hurricane season then of course, getting valid travel insurance is especially important as this way, you're protected against catastrophes and natural disasters, which can often occur during this season.

All-inclusive or independent?

There is an ongoing debate as to which is truly the best way to holiday, some preferring to book packages through a travel-agent and others prefer to go completely independent.

Going all-inclusive for a holiday to the Caribbean is certainly a popular approach simply because of the time saved on planning flights and activities and the potential savings on transportation costs and food. The advantage of going independent is of course that you have more freedom and control over your own travel arrangements and holiday plans. With positives and negatives to both approaches, it's really up to your preferences and what you expect to get out of your holiday.

Tips and tricks for the Caribbean

Blending in with the locals

  • Point...with your lips..? - In some places, like the Dominican Republic, you'll find that instead of using their finger to point at something, locals will point with their lips. This might appear a little comical for those not used it, but if you can master this little cultural quirk, you'll blend right in!
  • Make your pauses sound Spanish - There are many advantages to being able to speak the local language, but learning a language to the point of proficiency takes time and practice, and not all of us are gifted with linguistic prowess. Be that as it may, employing this simple trick will have you sounding like a well-adjusted native in no time, even if you only know a few basic phrases. When you need to pause for thought, instead of filling those pauses with English "umms", "hmms" and "mmm's" try replacing these with a simple "eheh" or even better "este..." It may feel strange a first, but before long you'll have fooled even yourself into thinking you're a Spanish speaker!

Things to AVOID in the Caribbean

Don't wear Khaki - Surprisingly, in islands like Barbados, it's illegal for anyone (including children) but the Barbados Defence Force to wear camouflage. The same law applies in St. Vincent and the Grenadines, so it's best to leave those stylish khaki shorts behind when you're travelling to anywhere in the Caribbean, just to be on the safe side.

Don't disturb the turtle nests - It is a criminal offence to disturb a nesting turtle, with fines and prison sentences imposed. Most normal people will, of course, have no desire to deliberately disturb these peaceful creatures, but it's best to be aware of the law so you can be sure not to break it even accidentally.

Beach fires aren't allowed - Sadly, it's against the law to light a fire on the beach in the Caribbean - so no beach bonfires parties, unfortunately...

Places to visit in the Caribbean

Bequia in St.Vincent and the Grenadines - One of the 32 islands that make up the Grenadines, Bequia is a little tricky to get to and because of that, it's a lot less well-developed compared to the other Caribbean islands. However, if you're choosing to stay here, you'll experience the real, unfiltered Caribbean charm.

Barbados - With some beautiful botanical gardens, historical buildings and turtle watching - Barbados offers the perfect blend of history, culture, and paradisean bliss.

Dominican Republic - With a varied terrain of highlands, rainforests and Savannahs, and boasting the tallest mountain in the Caribbean, the Dominican Republic is well worth a visit. Known for its top class golfing resorts, it's the perfect retreat for fans of the sport.


Holiday Extras Cover Ltd and Holiday Extras Ltd are authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 and Holiday Extras Ltd 01693250 are registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.

Holiday Extras is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.