An eclectic mix of English-speaking and Spanish-speaking Americans gives Miami its melting pot quality. Miami has a unique blend of cultural scenes that stems from its trendsetting art and food. From luxury shopping to exquisite dining to pulsing nightclubs to a growing art scene and vibrant beaches, Miami has something for everyone to enjoy.

With its year-round sunshine and warm temperatures, Miami attracts millions of travelers. Along its palm-tree-lined avenues and white sand beaches, a laid-back vibe mixes with high-energy nightlife. Simply put, nowhere in the U.S. looks and feels like Miami. To make the most of your travels, secure yourself and your vacation with visitors medical insurance or travel insurance.

Visitors Medical Insurance for Travelers in Miami - FAQs

You have put in a lot of time and energy to sketch out your entire travel itinerary for Miami. But vacations don't always go as planned, and that's why you need visitors insurance.

Why buy visitors medical insurance before traveling to Miami?

You need visitors insurance because you cannot predict the future, and you cannot predict what will or won't happen on your trip to Miami.

Unexpected events can change the course of your travel plans. You’re never completely safe from unexpected accidents, illnesses, or injuries, and the high costs of U.S. healthcare can increase your financial burden if you have to incur out-of-pocket medical expenses.

What should I look for in my Miami visitors medical insurance?

One of the key things to look for is the exclusions. You want to make sure that it covers acute onset of pre-existing conditions if you have one you’re worried might start causing trouble.

You should also ensure that you don't pay for something you don't need.

Buy visitors medical insurance as soon as you book your trip to be able to have your pick of a wide variety of different types of coverage and plans.

If you wait until you leave on your trip, you may not be able to get the most or best coverage, and you may end up paying more than you have to.

Trip Cancellation Insurance for Travelers in Miami - FAQs

Whether you are going on a short or a long trip to Miami, trip cancellation insurance can protect you from financial losses, whether due to canceled flights or lost baggage.

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

Miami is known as the cruise capital of the world and visited by 20 million tourists each year.

Although Miami has warm weather throughout the year, it is also prone to hurricanes, which can delay or even cancel scheduled flights and cruise departures. Trip cancellation insurance can help reimburse the prepaid expenses you incurred.

What should I look for in my Miami trip cancellation insurance?

You must look at the covered reasons under the trip cancellation insurance. You can receive reimbursement for your prepaid, non-refundable trip expenses if you have to cancel for a covered reason as explicitly listed in your policy. Choose a plan that provides you flexibility and an appropriate level of coverage.

Hope for the best, but plan for the worst, and buy travel insurance.

Miami’s Most Popular Places for Travel

Beaches, palm trees, nightlife – these ideas are synonymous with Miami. But, there is a lot more to see in Miami.

South Beach – Art Deco District and Ocean Drive

When it comes to discovering Miami, the party begins in South Beach, where art deco hotels line Collins Avenue and Ocean Drive. Across the street, you'll find stunning beaches where locals and travelers come out to play. Grab a spot on the sand to work on your tan, then grab a cocktail and a bite in one of the many beachfront restaurants or bars, and close the night in one of the area's hottest nightclubs. While in South Beach, don't miss out on Lincoln Road, an outdoor walkway where major stores and small boutiques sit side by side, bordered by an array of restaurants offering delicious al fresco dining.

Little Havana – Cuban Life and Culture

In Little Havana, you'll get a taste of Cuban and Latin American culture and cuisine in full force. Don't miss out on authentic Cuban cuisine served with a Cafecito, a Cuban coffee in the local lingo. Catch the best vibe of the area by wandering Calle Ocho, which is the main road of the neighborhood. Calle Ocho is the heart of Little Havana, so much so that it's sometimes used to refer to the entire neighborhood. If you happen to visit the city during March, don't miss visiting the biggest street party in the United States that takes place right here.

Wynwood – Dynamic Outdoor Street-Art Museum

Don't miss the opportunity to visit the Wynwood area. Wynwood is Miami's destination for art, shopping, culture, and cuisine. Wynwood Walls is a one-of-a-kind art hub featuring over 70 galleries and museums. A former industrial district, Wynwood has been revitalized by the arts community featuring larger-than-life colorful murals and street art.

Coconut Grove – Neighborhood with A Laid-Back Vibe

There's a place that's hidden from the bustle of Miami. Seeped in rich history and bursting with beauty, it is quiet and quaint. Coconut Grove is Miami's oldest seaside neighborhood. Located in the heart of Miami, Coconut Grove offers an array of sidewalk cafes, gourmet restaurants, and boutiques, all in a pedestrian-friendly zone that can be enjoyed year-round. Coconut Grove is a bohemian and historic neighborhood with its traditions, culture, history, community, and distinct laid-back lifestyle.

Coral Gables – Discover Oasis

Coral Gables offers a graceful blend of old-world elegance and tropical charm. It offers fine dining, outdoor cafes, chic shopping, bridal boutiques, and one-of-a-kind retailers, all in a walkable, tree-lined downtown district. Visit the 83-acre (about 33.5 hectares) Fairchild Tropical Botanic Garden filled with vast collections of rare tropical plants. Kick back at Matheson hammock barn, which features a breeze-swept beach with beautiful views and recreational amenities. Get active at one of the city's many golf courses or tennis courts. Cool off in the spring fed Venetian pool inspired by the lagoons of Venice and surrounded by Spanish-style buildings. It's this diversity that drives Miami's heartbeat. So, whether you're in town for beaches and sun, urban nightlife, or arts and culture, Miami never fails to deliver.

Key Guidelines for Travelers in Miami

Here are some essential tips to know before you visit Miami.

Best Time to Visit Miami

The best time to be in Miami is during spring, between March and May. The climate is hot but not humid. The cheapest months to visit Miami are June through September. But, beware of the hurricane season.

Keep Your Belongings Safe

While Miami is a safe destination overall, there have been reports of thefts. Practice general safety precautions, and look out for pickpockets and purse-snatchers.

Beware of Aggressive Drivers

Whether you are driving or crossing a road, be wary of Miami drivers, who are known to be below average for driving safety.

Buy a Go Miami Card

If sightseeing is on your agenda, then the Go Miami Card is a great way to save money.

Before You Travel to Miami - Do This

• Check the weather: Although the temperatures remain warm throughout the year, check the weather forecast at the time of your travel. Be aware of hurricane season in Miami.
• Learn Spanish: Chances are that you will be spoken to in Spanish.
• Adequate travel insurance coverage provides peace of mind and lets you enjoy your trip to the fullest.

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.