Do You Need Travel Insurance?
Traveling during the COVID-19 pandemic can be a tricky. Be sure to check the local rules and regulations of your intended destination. Wherever you travel, we recommend investing in travel medical and trip insurance in case you get sick or your plans are changed suddenly during these uncertain times. An increasing number of countries are also requiring travel insurance to enter including Costa Rica and Cuba.
If you're visiting Cuba, you'll require proof of travel insurance upon arrival. Although the majority of countries do not require travel insurance for entry, healthcare costs can be extremely expensive. Smaller countries, especially islands, often have less robust healthcare options.
If you're worried about major accidents and illnesses, consider buying travel insurance with medical evacuation. This will protect you from paying the extremely high costs of helicopter transfers if you need to be taken to a larger medical facility.
Hurricanes are also very common in this region. If you are traveling between May and December, consider a travel insurance plan that will help you if you need to evacuate or change your plans due to tropical storms.
Compared to other countries, medical costs in the United States are very high and are unlikely to be covered by insurance from other countries. Due to this, we recommend that you purchase travel insurance before you travel to the U.S. If you're staying for an extended period of time or are over the age of 60, you're at a higher risk of injury and illness.
Therefore, even if it's not legally required, medical insurance that will cover you while you're in the United States is effectively necessary. Additionally, if you're entering the U.S. on a J-visa, you'll be required to show proof of travel insurance in order to obtain your visa.