The best travel insurance for Turks and Caicos vacations – Robb Report

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Turks and Caicos is one of the most popular destinations for Americans, and it’s no surprise why. The sparkling ocean is turquoise blue and the idyllic beaches seem to stretch as far as the eye can see. Another draw for tourists is the plethora of hotel and resort choices, from family-friendly accommodations and romantic hotels to all-inclusive resorts and private cabin rentals.

A sunny place like Turks and Caicos may be on your list of winter travel possibilities. If you go, here’s what to look for in a comprehensive travel insurance package. Travel insurance for trips to the Turks and Caicos Islands costs an average of $ 160, according to Squaremouth, a travel insurance comparison provider.

Related: Compare over 22 travel insurance companies

Entry requirements for the Turks and Caicos Islands

Tourists arriving in Turks and Caicos are required to show proof of a travel insurance policy that will cover medical expenses related to Covid, including hospitalization, doctor’s visits, prescriptions, air ambulance and quarantine.

There is no mandatory quarantine on arrival, although you must show proof of a negative Covid-19 test which was taken no more than three days before arrival. Visitors are fully responsible for the cost of a self-isolation quarantine if they test positive while in Turks and Caicos.

In addition, all visitors aged 16 and over should be fully immunized. Visitors under the age of 16 do not need to be vaccinated, but children between the ages of 10 and 15 should still have a negative Covid-19 test.

According to Bailey Foster, a spokesperson for Trawick International, you need to make sure your travel insurance plan does not exclude medical costs related to Covid-19, so be sure to check with your insurance company before ‘buy a map.

Here are the additional conditions for entering the Turks and Caicos Islands:

  • You will need to complete a pre-travel authorization form with the Insured portal of the Turks and Caicos Islands.
  • You must upload proof of a negative Covid-19 test from a recognized facility no later than three days before your arrival.
  • You will need to complete a health screening questionnaire.

Buy travel medical insurance for a Turks and Caicos Islands vacation

When traveling overseas, your US-based health plan may provide limited or no coverage in other countries. And Medicare is not accepted in the Turks and Caicos Islands. So, even without an entry requirement, having a travel insurance plan with solid medical coverage is a good idea. Check with your US health insurance provider to find out what type of global coverage you have.

Squaremouth, a travel insurance comparison provider, recommends at least $ 50,000 for medical coverage and at least $ 100,000 for medical evacuation.

Travel medical insurance is important, even beyond Covid-19 coverage. For example, if you are snorkeling near the beach and are bitten by a jellyfish and develop a reaction, your travel insurance company may arrange treatment for you at a medical facility. Travel medical insurance covers these medical costs, as well as an ambulance if needed and prescription drugs.

Emergency medical evacuation coverage may be arranged through your travel insurance company if you require a higher level of care for more serious problems such as food poisoning, a broken leg, or a leg injury. the head. In these cases, a nearby medical clinic may not be able to provide specialist care. If necessary, your travel insurance company can arrange an air ambulance to take you to an appropriate hospital.

Related: Best travel insurance plans of 2021

Think about trip cancellation insurance

Beyond the required emergency medical and evacuation coverage, a travel insurance policy can provide valuable benefits that are not required for entry to the Turks and Caicos Islands, such as trip cancellation, travel delay, trip interruption and baggage insurance.

Turks and Caicos can be an expensive trip. And sometimes a trip can be ruined unexpectedly. For example, if you are a small business owner and there is a fire in the building a few days before your trip, this may be considered a reason for cancellation under Trip Cancellation Insurance. With a trip cancellation request, you can be reimbursed 100% for non-refundable and prepaid deposits.

Other reasons typically covered by trip cancellation insurance include injury or illness to you, a family member or travel companion, death in your family, extreme weather conditions, civil unrest, and terrorism.

Not all reasons are covered. For example, if your sister says she won’t watch your dogs while you are traveling, that’s not a covered reason. See the policy for the list of covered reasons for cancellation.

If you want the most flexibility when traveling, purchase a plan that allows for a “cancel for any reason” (CFAR) upgrade. This supplement usually adds 50% to your insurance costs and will generally reimburse you for 75% of the travel costs. To make a CFAR claim, you must cancel the trip at least 48 hours before departure, but you can cancel for any reason not stated in the base policy. For example, if you decide you don’t like the Covid-19 test requirement for the Turks and Caicos Islands, you can make a CFAR claim.

Tropical delays

As with many tropical destinations, there is a risk of hurricanes in the Turks and Caicos Islands for several months of the year.

If there is a storm that causes your flight to be canceled, you can file a claim for reimbursement if you have travel delay insurance. For example, if you miss a prepaid kayak tour or a chartered boat tour, this falls under travel delay coverage.

During hurricane season, there are a few things to remember about travel insurance. You cannot purchase travel insurance and request a trip cancellation after a storm has already been “named”. The policy must be in effect before the storm is official if you wish to make a bad weather cancellation request.

And your insurance will not reimburse you for what is called “loss of pleasure,” says Lisa Cheng, spokesperson for World Nomads, a travel insurance company. If your experience does not meet your expectations, you cannot make a complaint. “Perhaps a few trees were felled at your destination, or the weather was windy and rainy, preventing you from leaving by boat. Such situations are not covered, ”explains Cheng.

Travel insurance will usually cover hurricane-related expenses, however, when your accommodation is habitable or if your flight has been delayed for a period of time due to extreme weather conditions, Cheng explains.

A mechanical problem with the airline that causes a delay is also usually covered.

Read your policy to find out how long it takes for benefits to take effect. Coverage for travel delays typically takes three to 12 hours. Once you reach this mark, additional expenses like a hotel room, meals, or other expenses may be reimbursed.


Erica Lamberg is a personal finance and travel writer based in the suburbs of Philadelphia. She is a regular contributor to USA Today and her writing credits include NBC News, US News & World Report, Business Insider, Oprah Magazine and Creditcards.com.


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