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Turks and Caicos Islands Travel Insurance

The Turks and Caicos Islands is a British Overseas Territory in the Atlantic Ocean, east of Cuba and north of Haiti and the Dominican Republic. The islands' main claim to fame is their spectacular beaches. Natural beauty and biodiversity are what attract visitors from across the globe. The islands have a small geographical area but rank high on the experiences that they can offer.

Previously, travel medical insurance was not necessary for travel to the Turks and Caicos Islands (TCI). But, in light of the coronavirus pandemic, the standard regulations have undergone several changes.

Travel medical insurance covering all expenses related to COVID-19 is now mandatory.

Travel to the Turks and Caicos Islands - How to Be Prepared

Gearing up for travel to the Turks and Caicos Islands? Stay updated about the legal requirements. Some recent travel restrictions and visiting requirements include:

  • A negative COVID-19 PCR test from an accredited laboratory dating no more than five days before the trip
  • Medical or travel insurance covering all costs related to COVID-19, including hospitalization, doctors' visits, prescriptions, medical evacuation, repatriation, quarantine, ambulance services, and care at local hospitals
  • Completion of the health screening questionnaire and Travel Authorization Form
  • Certification that you have read the privacy policy document posted on the Turks and Caicos Islands Tourist Board website
  • Wearing masks in public places is compulsory until December 31st, 2020 (policy subject to review)
  • A maximum of 10 persons can gather in one place

For the latest details, you may email your queries to [email protected].

All travelers to the Turks and Caicos must obtain travel pre-authorization via the TCI Assured Portal.

Government regulations mandate only travel health insurance. However, experts suggest travel insurance is a better choice. It offers wider insurance coverage in the Turks and Caicos Islands, covering both health-related expenses and expenses resulting from other inadvertent circumstances.

Must-Have Experiences in the Turks and Caicos Islands

If you are unsure about what islands to pick for your travel itinerary, here's a small tip: No matter what islands you choose, there is something special everywhere. The countless options for enjoyment in the Turks and Caicos Islands make it the best holiday destination in the Caribbean.

Here are the top things you can do in each of the islands:


Explore beautiful beaches, adventurous water sports, and multiple restaurants.

Grand Turk

Enjoy the beautiful beach-front town. You can explore various historical sites of cultural importance.

North and Middle Caicos

These are a paradise for the fans of coasts and fine landscapes. These garden islands will have the perfect surprises for you.

South Caicos and Salt Cay

Looking for a pristine marine environment? You will find that and an old Caribbean atmosphere right here.

No matter where you are in the Turks and Caicos Islands, you can have fun. Don't forget to explore the beaches or go diving and snorkeling on boat charters and cruises. You can also go paddling in the wetlands— and make sure you leave time for the Conch Bar Caves.

Travel Risks in the Turks and Caicos Islands

The Turks and Caicos Islands pose no major travel risks as such. But travel always has its share of inherent risks no matter where you go. If you don't want to spoil your trip with mishaps, it is better to stay aware of the possible risks and protect yourself against them with comprehensive Turks and Caicos Islands travel insurance.

Prominent travel risks include factors like:


The islands are prone to tropical diseases. In most cases, the symptoms are mild and subside with proper medical attention. The medical facilities in the TCI are good for emergency and primary care, but medical evacuation to Miami, Florida, is the preferred option for specialty care.

In addition to covering all expenses related to COVID-19, the insurance policy you choose should cover these common diseases, too.

The government requires your policy to cover medical evacuation and repatriation. If you suffer from serious conditions, you would have to go back to your home country (or a nearby country) for specialized and proper medical care.

It is best if the coverage you choose has a sufficient amount for medical evacuation and repatriation. This will ensure that you don't have to pay out of pocket.

Petty Crime

The islands are generally crime-free and the crime rates are low, but petty thievery is common. This is especially so in Grand Turk, which is where you will land first.

You should practice general caution and keep your belongings close. Don't flash your valuables while out in public, and don't carry too much cash.

Be sure to check that injury or loss due to criminal activities is covered under your Turks and Caicos Islands travel insurance.

Adventure-Related Accidents

Water sports are common in the Turks and Caicos Islands, and so are the injuries and accidents that go with them. Always have protective gear while indulging in any kind of adventurous or hazardous sports. Follow the advice and instructions of your guide.

If you plan to indulge in anything adventurous, be sure that your travel insurance covers it.


The Turks and Caicos Islands are also prone to hurricanes, especially from June to November. Stay aware of safety measures to take during such situations. Confirm if your travel insurance policy covers any losses related to hurricanes or other natural disasters, including trip cancellation, trip interruption, emergency evacuation, and more.

Buying Turks and Caicos Islands Travel Insurance

If you are planning a trip to the Turks and Caicos Islands, always have comprehensive insurance. Medical insurance is mandatory, and general travel insurance is a wise choice. The combination of these two would almost certainly cover you for all possible adversities.

So, what exactly should your insurance cover, other than medical expenses?

  1. Accidental injuries and losses
  2. Crime (petty theft, robbery, etc.)
  3. Accidents while doing adventure sports activities (especially water sports like diving, snorkeling, and paddling)
  4. Medical expenses related to common ailments and special medical conditions
  5. Trip cancellation or delay charges
  6. Loss of luggage

To find the best Turks and Caicos Islands travel insurance for tourists, explore all available options. Compare quotes and benefits offered by different companies. Find a policy that offers complete mental peace and also satisfies the legal requirements. Proper travel insurance is the key to a safe and memorable trip to the Turks and Caicos Islands.

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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