Looking for a tropical getaway that you can drive to from the continental USA? The Florida Keys have you covered. This coral cay archipelago starts just 15 miles from Miami, and ends barely 90 miles from Cuba

If you want to discover Key West, the Dry Tortugas, and the laid-back tropical vibe of the Florida Keys, read up on the visitors medical insurance or travel insurance you need and get ready to start planning your getaway.

Visitors Medical Insurance for Travelers visiting the Florida Keys – FAQs

All international visitors to the Florida Keys should protect themselves with visitors medical insurance. It is absolutely essential coverage to have if you get sick or become injured.

Do I need visitors medical insurance for the Florida Keys?

There is no legal requirement to have visitors insurance if you’re visiting the US on a tourist visa or without a visa. But all visitors should consider this coverage essential due to the high cost of medical care in the USA.

Why buy visitors medical insurance before visiting the Florida Keys?

You may not be able to afford medical treatment without it. No matter how careful you are, there’s no way to guarantee you won’t get sick or hurt while visiting the US, and your domestic health insurance won’t be of much help here. You need visitors medical insurance in order to get necessary healthcare for an affordable price. You could risk going into serious debt without it.

Trip Cancellation Insurance for Travelers visiting the Florida Keys – FAQs

Taking a domestic trip to the Florida Keys will likely involve a flight or two, and certainly a hotel or vacation rental. But what if it also involves you getting sick and not being able to go? That’s when you need trip cancellation insurance.

Why should I get trip cancellation insurance before traveling to the Florida Keys? 

Trip cancellation insurance can reimburse you for the nonrefundable portion of your prepaid travel expenses if you have to cancel your trip for a covered reason. This is incredibly important, as most prepaid travel expenses (hotels, airfare, etc.) are not refundable. Don’t get stuck paying for a trip you can’t take. Get travel insurance instead.

What can be covered by trip cancellation insurance for the Florida Keys?

Trip cancellation coverage is important, but it isn’t the only coverage you can get with a travel insurance plan. Most can also cover you in cases of:

Some plans can even offer you the option to cancel for any reason. But it’s up to you which plan offers the features that suit you best. Compare multiple options on this website before deciding which one is the best choice for you.

The Florida Keys’ Most Popular Tourist Attractions

Stretching 125 miles off the southern coast of Florida, the Keys are packed with places to see and things to do. Here are our recommendations.

Key West

You can’t visit the Florida Keys without going to Key West. It’s the southernmost point of the continental US, the largest population center in the Keys, and a place with a unique (some would say quirky) vibe that you have to experience. Spend your days relaxing at beach bum bars, visit Ernest Hemingway’s house, or pop in and out of the many shops and pubs on Duval Street. Key West is magical.

Bahia Honda Key

There isn’t much on Bahia Honda Key, but that’s the whole point. It’s home to Bahia Honda State Park, a 524-acre natural oasis with rare plants and serene views. Should you decide to go snorkeling you’re sure to see fascinating marine life such as barracudas, rays, and maybe even a shark. But don’t worry. Only nurse sharks typically occupy the area. They’re friendly towards humans and pose no danger so long as you leave them be. 


This village in Monroe County sits on five keys: Lower Matecumbe Key, Plantation Key, Tea Table Key, Upper Matecumbe Key, and Windley Key. It’s considered by many to be the “Sportfishing Capital of the World.” Anglers from all over comes to Islamorada to try their hand at fishing for tuna, marlin, and sailfish. It's also a popular place to set off on an island-hopping trip. You can rent a boat and cruise over to see historic ruins at Indian Key State Park, or indulge in nature’s beauty at Lignumvitae Key Botanical State Park.

Big Pine Key

Big Pine Key is a perfect setting for those who enjoy nature and tranquility. Here, you can kayak through the backcountry, keeping an eye out for endangered key deer, or even visit the National Key Deer Refuge. You can also take a short boat ride from Big Pine Key to No Name Key where you can enjoy secluded beaches, sunlight, and clear waters that are perfect for snorkeling.

Dry Tortugas National Park

If you’re willing to go beyond Key West by sea, Dry Tortugas National Park is well worth it. Located 70 miles west of Key West, this park is best known for Fort Jefferson, a 19th century brick fortress that was once a military installation. You can explore all around, and take a dip in the water and go snorkeling throughout the day. Just keep in mind that the park is only accessible by boat. 

Key Guidelines for Visitors to the Florida Keys

How to Get There

Most people enter the Keys by driving. The 130-mile Overseas Highway runs from near Miami all the way to Key West and is quite a scenic drive. You can drive your own car, rent a car, or take a bus charter. You can also elect to take a ferry directly to the Keys from Fort Myers, or fly into Key West International Airport.

When to Visit

Due to their southern latitude, the Florida Keys remain warm all year long. However, the best time to visit is typically between December and March when the humidity is low and daily temperatures usually reach around 75°F (24°C). Just keep in mind that crowds can be quite large during this time of year. You can certainly visit in the summer and early fall, but be prepared to dodge daily thunderstorms and deal with high humidity. If you prefer smaller crowds and warmer weather, visit in April or May. 

Hurricane Risks

Atlantic hurricane season starts in June and runs through November, and the Keys are always at risk. Though devastating hurricane strikes are rare and predicted fairly far in advance, tropical storms can ruin a trip at best, and be dangerous at worst. Keep in mind all the risks of traveling during hurricane season if you wish to visit during this time. 

Before You Visit the Florida Keys – Do This 

  • Pack sunscreen, sunglasses, and a hat. You’re going to be outside a lot, and sun can be fierce.
  • Consider an April or May visit to avoid winter crowds and spring breakers.
  • Purchase visitors medical insurance or travel insurance .

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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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