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Bermuda Travel Insurance

Located off the East Coast of the U.S. in the middle of the Atlantic Ocean, Bermuda is one of the last remaining British colonies. Its major draw is that it is just a few hours’ flight away from nearly anywhere on the eastern seaboard, from Florida to Delaware.

Its location has made it an ideal weekend getaway destination that is usually flooded with tourists from the U.S. and Canada year-round.

The hook-shaped archipelago has several top-end resorts such as Marriott International and the Ritz-Carlton, as well as numerous budget hotels. Everywhere on the island is close to the sea, and the beaches are spectacular. Hamilton, the capital, shows off British colonial-style architecture of a bygone era that is dapper yet still impressive even today.

If you are thinking of spending a few days in Bermuda and soaking up the sun, do not forget to buy travel insurance. Unplanned accidents, injuries, and illnesses do occur, and should anything happen, you would want the best medical care possible without having to worry about financial devastation.

What does it mean to travel to Bermuda in a post-coronavirus world? Let’s take a look at the situation.

Is Travel to Bermuda Risky? Not at All!

The good news is that the island nation welcomes tourists with open arms. The Wade International Airport at Hamilton re-opened in July 2020. During the worst of the global pandemic, the island remained nearly unaffected, seeing only a handful of cases few and far between.

Of course, you still have to be vigilant; maintain social distancing and other norms as you would at home. But you can feel free to thoroughly enjoy your holiday without undue worry.

COVID-19 Test for Arrival

Within three days of arriving in Bermuda, travelers must present a COVID-negative certificate, as has become the standard for any international travel. The destination country would like to know if the infection is being brought in by tourists. This holds true not only for tourists but also for digital nomads. For a small visa fee of U.S. $263, anyone can stay in Bermuda for a year and work remotely.

Note: This policy could change at the time of your travel, so please remember to check the latest guidelines before traveling.

Screening & Expected Etiquette

Upon arrival, you will be screened and asked to provide details through a health questionnaire. This allows the government to maintain low rates of infection and keep the island safe for everyone to enjoy. There is no restriction on travel on the island, since it is only 21 square miles (about 54 square kilometers) in area.


Vacations are fun-filled. They are also a time for adventure. Naturally, an accident might occur even if you take every precaution.

Two things must be at the forefront of your mind.

  • All visitors to Bermuda must have travel insurance that can provide coverage for medical emergencies related to COVID-19. If you do not have coverage, you will be solely responsible for the costs of any healthcare or accommodations related to the coronavirus while in Bermuda. 
  • Healthcare in Bermuda is quite costly, comparable in price to the U.S. And even though it is a British colony, there is no reverse healthcare treatise, even with the UK.

Therefore, before you set off, buy a Bermuda travel insurance plan that protects you from everything from a boating accident to possible tropical fever.

The island has only one facility with an emergency ward, the King Edward Memorial Hospital at Paget. The hospital is managed by the government but quite expensive.

Most Memorable Sights in Bermuda

Bermuda is not only well known for its pink-sand beaches, but also as home to some of the most picturesque golf courses in the world. Most tourists spend a short trip here, no more than a week. After you have had your fill of partying and swimming in the clear blue Atlantic, head out to visit the following attractions. Be aware that Bermuda has a rule whereby tourists are not allowed to rent cars or drive. Your hotel will provide you with a designated driver to take you sightseeing.

Horseshoe Bay Beach

Located at Southampton Parish, the beach derives its name from its perfect crescent shape. It is the ideal place for snorkeling or scuba diving. With a cliff line on either side and an aquamarine ocean in front, you would find it easy to understand why this is known as one of the best beaches in the world—and the most visited one in the western hemisphere.

St. George's

Bermuda is an archipelago, and you can hop on a bus to visit the town of St. George's, located about 10 miles away from Hamilton. Most of the buildings date back three centuries to when the British first made this harbor their base in Bermuda. At the Bermuda National Museum at St. George's, you’ll get a fascinating insight into the island's 400-year history.

Gibb's Hill Lighthouse

For a 360-degree view, ascend the 117-foot structure built back in 1846. The surprising aspect is that the entire lighthouse is constructed from iron and has never rusted, despite its proximity to saltwater. You can gaze across the whole island and the Royal Naval Dockyard adjoining it.

Travel to Bermuda: Risks to Be Aware Of

Bermuda is quite safe for tourists. You need to have no concern about your safety. However, there might be hiccups along the way, and it is best to be prepared for them in advance.

Trip Cancellation

No one wants to face this eventuality, but trips do get canceled and vacations postponed. If it is due to a reason that is covered by Bermuda travel insurance—such as your flight getting canceled due to bad weather—your trip costs will get reimbursed. Nothing is worse than paying upfront for hotel and air travel and watching your plans fall through the night before departure.

Medical Coverage

If you are in a foreign land, your health must be safeguarded. That is why you must take advantage of travel medical insurance that provides you with complete medical coverage. It is awful to fall ill on vacation, and even worse when you have to cough up vast sums to pay for recovery. In addition, medical insurance covering COVID-19 is a requirement in Bermuda. 

Flight Delay and Cancellations

Though it happens rarely, flight cancellations are not unknown. If it happens, you would have to put up in a hotel and bear the expense. Why not buy travel insurance, make sure that you are protected, and never face any problems besides disappointment?

Bermuda Travel Insurance – A Peaceful Trip Is What Matters

When you buy insurance coverage in Bermuda, keep in mind the following criteria.

Lost Luggage Rider

In case the airline loses your baggage, you would be reimbursed for the value of the contents. While it is going to be hard to get back your documents and personal items of sentimental value, at least expensive items like camera lenses can be purchased with the funds.


The best policies are cashless and allow you to settle directly with the health care provider. This gives you room to relax, since you might not be carrying around thousands of dollars.

Do your research and select the policy that suits you best. With travel insurance in Bermuda, you can relax and enjoy without a hitch.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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