The Federated States of Micronesia, or simply Micronesia, is an island country in Oceania, located in the western Pacific Ocean. It is an associated state of the United States. There are four main states in the country, all located on one or more volcanic islands.

The inhabitants of Micronesia started settling here about 4,000 years ago. It is home to the Nan Madol, which is known for its archeological significance and is a UNESCO World Heritage Site. There are some artificial islands here as well, linked by canals.

In the past, the Portuguese and the Spanish had established their supremacy over parts of the island, which has given rise to a very cosmopolitan culture in the islands today. Visiting Micronesia will give you a splendid opportunity to enjoy coastal life. But before you go, remember to purchase travel medical insurance or travel insurance to stay covered in case anything goes wrong.

Federated States of Micronesia Travel Medical Insurance for International Travelers – FAQs

Travel medical insurance can help cover sudden medical expenses due to sickness or injury during your time in Micronesia.

Do I need travel medical insurance for the Federated States of Micronesia?

It is not legally required to buy medical insurance before traveling to Micronesia. However, if you have it, you will have fewer reasons to worry and be able to enjoy your vacation that much more.

Why buy travel medical insurance for the Federated States of Micronesia?

You will not have to worry about unforeseen medical expenses if you have travel medical insurance. The insurance will provide coverage for medical treatment, hospital stays, and ambulance services, as well.

Micronesia does not have a very extensive healthcare system, so the insurance should also cover the cost of evacuation if you have to be airlifted. Make sure this benefit is included in the insurance terms.

Federated States of Micronesia Trip Cancellation Insurance for International Travelers – FAQs

With trip cancellation insurance, you will not have to worry about suffering losses if your travel plans and bookings for Micronesia are canceled due to sudden calamities.

Why buy trip cancellation insurance for the Federated States of Micronesia?

Trip cancellation insurance will reimburse your prepaid, non-refundable expenses if you have to cancel your trip for a covered reason listed in the policy’s certificate wording. Natural disasters like hurricanes could strike any time, or there could be a disease outbreak, ruining all your arrangements.

The insurance will cover the cost of any expenses you had already incurred. Just in case, if you have to cancel the trip due to some last-minute emergency, the insurance will still cover the expenses, provided that condition is included in the policy.

What all is covered under trip cancellation insurance for the Federated States of Micronesia?

Federated States of Micronesia travel insurance will cover the following:

• Loss of baggage
• Snorkeling cancellation
• Flight delays and cancellations
• Cancellation of hotel booking
• Sightseeing cancellations
• Boating trip cancellation

Things to Do for Travelers in the Federated States of Micronesia

Although the Federated States of Micronesia is a small group of islands, it has several attractions for visitors.

• Visit the Pwodoi Sanctuary: The creatures in this sanctuary are so exotic that some compare them to the mythical creatures of the oceans. The giant eels are the most popular attractions. There are also many kinds of rare marine animals on display, some of which are endangered. They are carefully kept alive and promoted to breed to help with the existence of the species.
• Enjoy the splendid shores: The pristine shores and beaches of Micronesia will make you want to visit the island country again. The white sands are great for a stroll, and many resorts have private bays from which you can rent a boat and enjoy a private cruise. Yap’s Chamorro Bay is one of the most popular. The water of the sea is crystal clear in these parts.
• Enjoy coastal life and Black Coral Island: This island is vastly free from commercialization, and you enjoy a night or two in the simple thatched huts, stargazing at night. You can swim in the waters and also go for snorkeling. Some beach shacks here sell fresh seafood. It will also provide you with some great sites for photography.
• Take a tour of the heritage buildings: Micronesia has a colonial past, and there are many buildings here that stand as its testament. Visit the ramparts of Fort Alfonso XII, one of the main landmarks in the country. The huge Spanish Wall is another attraction, along with the German-built Catholic Bell Tower. The Japanese Wartime Communication Center will give you an insight about the war history of the island.
• Explore the Ruins of Insaru: The ruins are located in Kosrae and they are quite well preserved. They date back to 1300 AD and the ballast blocks still show how important a city it was at that time. The area along the ruins is forested and home to many rare species of birds. The ruins look spectacular in the sunset.

Travel Risks for International Travelers in the Federated States of Micronesia

Here are some things you should be careful about while traveling to Micronesia.

• Rogue Waves: The beaches of Micronesia are undoubtedly great for swimming and snorkeling, but be careful of the rogue waves. The undercurrents in some parts of the beaches are very strong, and they can be difficult to tackle for a relatively inexperienced diver. Always wear adequate protective gear and avoid going into the waters during the tides. Be wary of stingrays while you swim in the waters.
• Risky areas: It might sound unreal, but there are still several undetonated bombs from the Second World War lying around the beaches, half-hidden in sand and water. They are live, and could detonate if any object or human comes in contact with them. Some areas are marked and cordoned off. Speak to the locals to find the safest places to go diving.
• Extreme weather: Like most island countries of the Pacific Ocean, Micronesia also has to bear with extreme weather. Thunderstorms can cause havoc to property and roads are shut down for weeks as they are cleared of debris.
• Diseases: Outbreaks of mosquito-borne diseases are common after monsoons. There are packs of stray animals around, also, so be careful of contracting rabies.
• Road Safety: Road safety in Micronesia is a major concern because most drivers do not have formal training. There are also very few registered taxis to be found outside the capital, and most of the private drivers are reckless. Try to get your vehicles from the few registered rentals. Never travel at night, as fogs and mist rising from the sea can blur your vision.

Before You Travel to Federated States of Micronesia - Do This

• Take all the required vaccines like Hepatitis A and B, Japanese Encephalitis, rabies, typhoid, and dengue.
• Book your rentals well in advance, because there are few. You might not find any if you try to rent a licensed rental after you land.
• Carry ample mosquito repellent.
• Stay updated about the weather conditions to check if there are any warnings for hurricanes, cyclones, or typhoons.
• Find out about the safest beaches to swim in.
• Get travel insurance for your travel to the Federated States of Micronesia so that you can travel in this spectacular island country without any worries. Enter some basic personal information, browse through your options, and pick the plan that best fits your needs.

DISCLAIMER: The information within this article is intended as a broad summary of benefits and services and is meant for informational purposes only. The information does not describe all scenarios, coverages or exclusions of any insurance plan. The benefits and services of an insurance plan are subject to change. This is not your policy/certificate of insurance. If there is any discrepancy between the information in this article and the language of your policy/certificate wording, the language of the policy/certificate wording will prevail.

The insurance plans available on this website are not specifically targeted towards the destination mentioned in this article. They can provide coverage while traveling away from home, according to the terms and conditions and geographic restrictions applicable to the specific plan.