If you want to go on a beach vacation, only a few places in the world are as beautiful as Jamaica. The island nation is situated in the Caribbean to the southeast of Florida.

There are popular beach resorts at Montego Bay, Kingston, and Runaway Bay. The island boasts not only breathtaking beaches lined by palm fronds gently swaying in the breeze, but also hiking trails and rainforests.

A trip to Jamaica will surely rejuvenate you, and it is a reasonably short flight from the U.S. mainland. Just be sure you’re prepared for anything unexpected by purchasing travel medical insurance or travel insurance before you go.

Travel Medical Insurance for Travelers in Jamaica – FAQs

If you fall ill or injure yourself in Jamaica, travel medical insurance can allow you to receive the best possible treatment at the least cost to you. It is essential to have when traveling outside your home country, where you will not be covered by your domestic health insurance.

Do I need travel medical insurance for Jamaica?

For the time being, all visitors to Jamaica are still required to enroll in the Jamaica Cares program to cover medical expenses related to COVID-19. This is mandatory coverage that provides travel medical insurance coverage up to $100,000 per person, and on-island health coverage up to $50,000.  But if you need treatment for a broken ankle, dengue fever, or another medical issue, it is best to have the additional financial safety net of your own travel medical insurance plan in place.

Why buy travel medical insurance before traveling to Jamaica?

Being as Jamaica requires you to enroll in its own health insurance program for tourists, you may think that it’s unnecessary to buy your own coverage. Thinking this could be a mistake. The Jamaica Cares program is primarily designed for the treatment of COVID-19, and the relatively low policy maximum it offers may not be sufficient if you require major surgery. A private travel medical insurance policy offers greater coverage, and an array of different policy maximums and deductibles to suit your needs and budget.

Trip Cancellation Insurance for Travelers in Jamaica – FAQs

Though we all hope to have a trouble-free vacation where everything goes right, certain things are out of our control. And while trip cancellation insurance can’t change the future, it can shield your bank account from the financial fallout of a cancelled, delayed, or interrupted trip. That makes it well worth the modest investment.

Why should I get trip cancellation insurance for my Jamaica travel?

If you have to cancel your trip to Jamaica, you are unlikely to be able to get your airline, cruise line, hotel, or tour operator to refund you in full. Prepaid travel expenses are usually nonrefundable, or they charge large fees for cancellation. 

Trip cancellation insurance can help. If you have to cancel your trip for a covered reason, your policy can see to it that you’re reimbursed for your prepaid, nonrefundable travel expenses. This allows you to book an international trip with less concern about unexpected setbacks.

What can be covered by trip cancellation insurance for Jamaica?

The exact coverage offered by a Jamaica travel insurance policy will depend on the plan you choose. As mentioned, most plans will offer coverage for trip cancellation, trip interruption, and travel delay. Plans can also cover emergency medical care, loss of baggage, emergency cash transfer, and even passport replacement.

To find the right Jamaica travel insurance plan, use this website to compare multiple plans, contrast their differences, and decide which one is the best fit for you. 

Jamaica’s Most Popular Places for Travel

Luminous Lagoon

Located in Falmouth near the mouth of Martha Brae River, it is just an ordinary cove by day. But come nightfall, the water shimmers as if by magic.

The phenomenon happens due to phosphorescent microorganisms that glow in the dark. It is a truly magical sight, and a must-see experience if you like witnessing nature's wonders.

Bob Marley Museum

If you are a fan of reggae music, then a visit to the museum dedicated to Bob Marley at Hope Road in Kingston has to be on the cards. The building was previously the office of a record label company that signed him, but it now displays concert memorabilia and knick-knacks from his life, including his clothes, shoes, and guitars.

Fort Charles

Built by the British in the mid-17th century, the fort is located at Port Royal. The structure of the port resembles a massive ship, and the brick and stone architecture is very well preserved. There are numerous old cannons on display, as well as spectacular scenery of the sea.

Key Guidelines for Travelers in Jamaica

When you visit Jamaica, you need to be aware of the risks involved. It is a safe nation, and the rate of crime is quite low in tourist areas. Being an international tourist destination, it is also clean and hygienic. However, there are risks inherent to all international travel, and it could benefit you to heed the following information.

Crime

While tourist areas of Jamaica are well-policed and quite safe, certain inner-city neighborhoods of Kingston and Montego Bay can be dangerous; potentially exposing you to robbery and other crimes. It is best to stick to tourist locations, or travel in a group when venturing outside of resorts, particularly after dark.

Public Demonstrations

Like residents of most countries, Jamaicans have been known to organize demonstrations and protests related to national issues. These protests are typically peaceful, but can turn violent quickly. It is best to not let curiosity get the best of you. Avoid large gatherings and put your personal safety first.

Drug Laws

Despite what you may believe, the use of cannabis is illegal in Jamaica. Possession of up to two ounces of cannabis has been decriminalized since 2015, but can still result in a fine. Possession of more than two ounces of cannabis, or possession or trafficking of any other sort of drug can result in much more serious consequences, including imprisonment.     

Dangerous Wildlife

Be advised that the swamps, rivers, and mangroves of Jamaica are crocodile habitats. Crocodiles are easily avoided by steering clear of these areas. However, keep in mind that during periods of heavy rain and flooding, these animals can be displaced and end up in unexpected areas. Just as common sense would dictate, always keep your distance from crocodiles.

Tropical Storms

Jamaica’s Caribbean location means that it can be affected by powerful tropical storms, particularly during the hurricane season between June and November. Travelers are advised to keep an eye on tropical weather forecasts, and plan their trips accordingly. If you are purchasing travel insurance, make sure you understand the details of how the policy covers hurricanes and tropical storms

Before You Travel to Jamaica – Do This

• Ensure that your passport is valid for the full duration of your stay in Jamaica.
• Speak to your doctor about the risks of zika and dengue fever in Jamaica, and determine the appropriate vaccinations or medications. 
• Protect your finances against any eventuality by purchasing travel medical insurance or travel insurance.

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.