Question 1

Reason 1: Travel insurance is worth it if you get sick or hurt abroad

Imagine catching a virus or breaking a bone while on vacation in another country. Medical treatments can be pricey, and your U.S. health insurance likely can’t help you abroad.

One of the top benefits of travel insurance is coverage for emergency medical expenses. With one of our Travelex plans, you can focus on feeling better, instead of footing the bill long-term.

“If you need medical care in another country, you will likely need to pay out-of-pocket for any services. Even if a country has nationalized health care, it may not cover people who are not citizens. Before you go, consider your insurance options in case you need care while traveling.”
Centers for Disease Control and Prevention

Our emergency assistance provider is here to help you 24/7 — whether you need to access travel health care, go to a hospital abroad, or even speak with medical staff who don’t speak your native language. We’re not just here to help pay for eligible bills; we can help you get the care you need in more ways than one. You can reach us quickly by tapping the assistance button in our Travel On app.

Reason 2: Travel insurance is worth it if you need to cancel your trip

Sometimes life throws curveballs — like sudden illnesses or severe weather — that cancel your plans. And when you call off your trip and you don’t have the right travel insurance, you'll likely lose the nonrefundable payments you made.

If you’re still asking yourself, “Should I get travel insurance in case I need to cancel my vacation?”, you’ll be interested to hear this: Trip cancellation is one of the most common reasons our travelers make a claim. Yes, over 65% of our travelers’ claims in 2023* were for canceled trips. When you cancel your trip for an eligible reason, travel insurance can reimburse you for the insured expenses you can't get back elsewhere.

Want to be able to cancel your trip for any reason? Our Ultimate plan offers a cancel for any reason upgrade that allows you to call off your trip no matter what happens if you meet all requirements. This way, you can feel more confident knowing you have the flexibility to cancel if needed.

Reason 3: Travel insurance is worth it if your belongings are lost, stolen, or delayed

Have you ever thought, “What if my luggage doesn’t arrive?”, while waiting for your checked suitcase at baggage claim?

Losing your baggage or someone stealing it can put a dent in your trip plans. And because you’re likely missing things you need for your vacation, you’ll have to purchase new belongings. Travel insurance can reimburse the cost to replace your essential items, so you can restock the items you need.

Travel insurance is worth it even if your bags are running late, because delayed baggage can mean you’ll be in your destination without your essential belongings for a long period of time. Travel insurance can reimburse you for items you need to purchase while waiting for your luggage to arrive if you’re traveling with one of our policies (up to the policy limit).

Reason 4: Travel insurance is worth it if you have flight delays

Flight delays are common, whether they’re because of severe weather, mechanical issues, or strikes. And a delayed flight can mean a delayed vacation, potentially affecting your plans.

When you have a flight delay, you may buy snacks and drinks to get you through your wait in the airport — or you may even need to book a hotel room for longer delays. Our travel insurance can help reimburse you for reasonable necessary things like food and lodging while you wait for your trip to continue. Your coverage may even reimburse the cost of your nonrefundable prepaid tours that you miss because of a flight delay.

So, if you’re still wondering, “Should I get travel insurance?”, remember this: without it, you’ll likely be left paying for all these unexpected costs yourself.

Reason 5: Travel insurance is worth it if you need travel assistance

If you need to go to a doctor on vacation or lose your passport, do you know what to do or who to call?

With a Travelex policy, you’ll have support any time you need it. Plus, our 24/7 travel assistance provider is easy to reach — just tap the assistance button in our Travel On app!

Reason 6: Travel insurance is worth it if your plans include adventure activities

Want to snorkel at the Great Barrier Reef in Australia or ride a horse through El Yunque Rainforest in Puerto Rico? If something goes wrong during your activity, travel insurance may provide coverage for your emergency medical expenses or other unexpected costs.

At Travelex, our base plans offer coverage for adventure activities like kayaking, hiking, and surfing. Want to enjoy more thrilling activities like skiing, zip lining, bungee jumping, and skydiving? Consider adding our adventure activities upgrade to your Ultimate, Advantage, Essential, or Travel Med Go plan. Then, you can zip through the jungle or scuba dive at greater depths with extra confidence.

Reason 7: Travel insurance is worth it if the weather affects your trip

The weather can be unpredictable, and things like snowstorms or heavy rain can cause flight delays and cancellations. One of the benefits of travel insurance can be reimbursement for trip cancellation and delay when bad weather strikes.

Planning a summer vacation during hurricane season? Or visiting a seismically active area like Japan, where natural disasters may be more likely? No matter where you travel, natural disasters like earthquakes and hurricanes can happen suddenly — and quickly ruin your trip. With our travel insurance and travel assistance services, we can be there to help you navigate your trip plans, 24/7.

Don’t miss out on the benefits of travel insurance

Travel insurance is worth it for these seven reasons and more. Enjoy your vacation knowing you can lean on our travel assistance provider and reliable coverage. Get a quote now.

_{*2023 claim totals reflect claims made by our Travelex customers traveling on plans underwritten by Berkshire Hathaway. As of December 3, 2024, plans sold via travelexinsurance.com are underwritten by Zurich American Insurance Company.}

Question 2

Step 1: Report the theft to local authorities and get a police report

Call local police ASAP. Tell them what happened in detail and file a police report.

Did you know: As a Travelex traveler, you can find contact information for local authorities in our Travel On app! Just search your destination.

You may be wondering, "Can the police help me get my belongings back?" They may be able to help you track down your items, but the most important reason to call authorities is to get a copy of the police report, which provides proof of the theft and supports your travel insurance claim.

Tip: Make sure you keep a copy of the policy report in a safe place until you’re ready to submit it with your travel insurance claim.

Were you injured during the theft? Call local emergency services for help. You can also learn more about the steps to take in our guides on accessing travel health care on vacation and going to a hospital abroad.

Step 2: Call our 24/7 travel assistance provider

With a Travelex policy, you can call our travel assistance provider, Zurich Travel Assist, anytime and anywhere. Just tap the assistance button in our Travel On app.

You can also reach our travel assistance provider by:

Calling from the U.S./Canada at 1-800-555-0870
Calling overseas at 1-416-977-1803
Emailing us at [email protected]

Tell our experts what happened so we can help guide you on the next steps. If needed, we can help you get medical care and understand your travel insurance coverage before submitting a claim.

Step 3: Call the U.S. embassy or consulate in your destination

Officials at the U.S. embassy can explain local laws and suggest resources to help you recover your items. This is especially useful if you don't have travel insurance coverage for personal belongings that are stolen on vacation, as you’ll want their guidance on what to do next. To find the right number to call, look up the nearest U.S. embassy on the U.S. Department of State’s website.

The good news is if you purchased one of these five Travelex plans, your policy includes some coverage for baggage and personal items (but sublimits will apply):

Did a thief steal your passport? Calling the U.S. embassy is an essential step. For more tips, see our steps to take if your passport is stolen on vacation.

Step 4: Secure your devices and accounts, and replace your stolen personal belongings

If your phone was stolen, any personal data stored or accessible on that phone is at risk. Do what you can to remotely lock your device and secure your accounts. You can learn some ways to prevent identity theft and hacking with our data privacy safety tips for travelers.

If your wallet is stolen and your U.S. driver's license was inside, let the U.S. embassy and local authorities know. Call your bank to cancel any stolen debit and credit cards and keep an eye on your accounts for unauthorized purchases. If only your phone was stolen, it’s still important to call your bank in case the thief tries to use your money via Apple Pay or Google Pay.

If your personal belongings and luggage are stolen, you'll likely be missing necessities for your vacation. Try to replace essential belongings at local stores in your destination and remember to save all your receipts. If you file a travel insurance claim for the cost to replace your stolen items, we'll need to see your receipts. Don’t forget to check your policy wording for any item sublimits so you know how much coverage you have.

Step 5: File a claim for unexpected costs

If you protected your trip with a Travelex plan, we may reimburse you for the cost to replace your items that were stolen on vacation. Check your description of coverage for your coverage details or call our customer service team at 1-800-819-9004 if you have questions about your coverage.

Once you're ready to submit a claim, gather your police report, purchase receipts, and other necessary documentation that we’ll need to assess your situation. You can file a claim online with your documentation or call our claims team at 1-855-205-6054.

More ways we can help you on vacation

Whether it’s urgent or you just need extra support, our travel assistance team can guide you through many challenges.

Here are some other travel situations our experts specialize in:

Get our Travel On app for smoother travels and support

Want to reach our travel assistance team easily? You don't need to search for the right number to call — just tap the assistance button in our Travel On app. It can also help you travel safer with destination information, potential risks, and instant safety notifications.

Dive deeper into our travel insurance coverage

From canceled flights to injuries, we know anything can happen while traveling. But you can feel more confident on vacation with our comprehensive coverage.

Our Travelex plans can help with these trip mishaps and more:

Want travel insurance you can trust?

Our plans and award-winning customer service can help you feel extra confident while traveling. Get a quote now.

Question 3

What to know before you go to the Caribbean

Want to have an easier time navigating the Caribbean? Let’s look at the main differences between the Caribbean islands and the U.S.

Key facts about the Caribbean

Language: Many Caribbean islands, such as the Bahamas, Jamaica, and the Cayman Islands, have locals that primarily speak English. But the main language in other areas varies. Spanish is predominant in Puerto Rico and the Dominican Republic, while Dutch is the official language in Aruba. Some islands also have local creoles and dialects.
Currency: You can pay with the U.S. Dollar in many Caribbean countries, but some have their own currency. For example, Jamaica, the Bahamas, and Barbados have their own dollars.
Visa requirements: U.S. tourists can often enjoy visa-free trips to several Caribbean destinations for short stays. Countries like the Dominican Republic, Jamaica, and the Bahamas typically allow visa-free entry. However, it’s always helpful to verify specific entry requirements for your destination island ahead of time.
Driving side: Driving rules differ across the Caribbean. On islands such as Jamaica and the Bahamas, driving is on the left side of the road. But in areas like Puerto Rico and the U.S. Virgin Islands, driving is on the right side like in the U.S.
Electric plug and voltage: You'll usually have no issues plugging in your U.S. devices in the Caribbean. Islands like Puerto Rico and the Bahamas have American-style plugs (Type A and Type B) and voltage (110-120V). Nonetheless, to avoid potential mismatches, you may want to pack a universal adapter.
Dialing code: Each Caribbean island has its own dialing code. For example, Puerto Rico uses +1-787 and +1-939, the Dominican Republic has +1-809, and the Bahamas operates with +1-242. When you’re ready to make a call, dial the country’s code first. Then, enter the area code and number for the person or business you want to contact.
Time zones: The Caribbean encompasses multiple time zones, primarily Eastern Standard Time (EST) and Atlantic Standard Time (AST). Some islands observe Daylight Saving Time like in the U.S., while others do not.

When’s the best time to visit the Caribbean on vacation?

Want to know when you’re more likely to have warm, sunny days? Or maybe you’re looking up potential travel dates to see if you’ll need travel hurricane insurance coverage?

Your destination's climate helps you choose the best time to visit the Caribbean for your unique trip. So, before you book, understand the Caribbean seasons to see which one suits your travel plans.

Seasons in the Caribbean:
High season (mid-December to mid-April):
Weather: Expect sunny, dry weather that's perfect for beach activities and outdoor adventures.
Crowds: This is the most popular time to visit, so prepare for larger crowds and higher prices.
Events: Many islands host festivals and events during this time, providing plenty of entertainment options.
Low season (June to November):
Weather: This period is wetter, with a higher chance of hurricanes, particularly from August to October.
Crowds: Fewer tourists mean less crowded beaches and attractions.
Prices: You'll find great deals on some of the best all-inclusive resorts in the Caribbean, making it ideal for budget travelers.
Shoulder seasons (May to early June and late November to early December):
Weather: Transitional periods with generally pleasant weather, though occasional rain showers can occur.
Crowds: Moderate tourist numbers offer a more relaxed experience without feeling deserted.
Prices: Often cheaper than the high season, but more expensive than the low season, making it a great value for money option.

Couple riding bikes during Caribbean travel.

Public holidays to know for your Caribbean travel planning

Before you decide on the best time to visit the Caribbean, check the public holidays. It'll help you avoid potential business and attraction closures and large crowds. If you do travel during these holidays, you can enjoy local traditions and immerse yourself in Caribbean culture.

Main public holidays in the Caribbean

New Year's Day: January 1

Celebrated widely across the Caribbean, this holiday often features fireworks and lively street parties.

Carnival: varies by island

You’ll have a fun Caribbean experience at this celebration, with parades, music, dancing, and vibrant costumes. Dates vary by island, with Trinidad and Tobago hosting one of the most famous Carnivals.

Good Friday and Easter Monday: dates vary

Many islands observe these Christian holidays, and some businesses close. Expect to see religious parades and special church services.

Labour Day: varies by island

Like Labor Day in the U.S., this public holiday celebrates workers, often with parades and festivals. The date of this holiday differs across Caribbean nations.

Emancipation Day: varies by island

Commemorating the abolition of slavery, this day features cultural events, parades, and educational activities.

Independence Day: varies by country

Many Caribbean nations have their own Independence Day, marked with national pride, fireworks, parades, and cultural performances.

Christmas Day: December 25

Just like in the U.S., Christmas is widely celebrated with family gatherings, feasts, and holiday decorations.

Boxing Day: December 26

Boxing Day comes after Christmas with shopping events, sports, and festive activities. Some islands celebrate it as a second day of Christmas.

Things to do in the Caribbean: top activities and sites to see

Ready to immerse yourself in island life? From exploring vibrant marine life to wandering historic streets, there’s something for everyone in this tropical paradise.

Top 5 things to do in the Caribbean

1. Snorkeling and scuba diving

The Caribbean is well-known for its stunning underwater ecosystems, teeming with vibrant coral reefs and diverse marine life. Popular spots include the Cayman Islands, Belize, and Cozumel.

2. Sailing and boating

With its calm, clear waters, the Caribbean is perfect for boating enthusiasts. Charter a yacht or join a sailing tour in destinations like the British Virgin Islands.

3. Hiking and nature trails

Discover lush rainforests, volcanic landscapes, and scenic trails. Dominica’s Waitukubuli National Trail and Puerto Rico’s El Yunque Rainforest offer some of the best hiking experiences.

4. Beach hopping

You’ll find some of the world's most beautiful beaches with Caribbean travel. Spend your days exploring the soft sands and turquoise waters of Grace Bay in Turks and Caicos or Seven Mile Beach in the Cayman Islands.

5. Cultural and historical tours

For a true Caribbean experience, immerse yourself in the rich history and vibrant culture of the islands. Visit historic sites, such as the UNESCO-listed Brimstone Hill Fortress in St. Kitts or Old San Juan in Puerto Rico.

Top 10 sites to visit in the Caribbean

1. Old San Juan (Puerto Rico)

Explore this historic district known for its colorful buildings, cobblestone streets, and the iconic Castillo San Felipe del Morro.

2. The Pitons (St. Lucia)

You'll have stunning views and a fun hiking experience at these Caribbean volcanoes.

3. Dunn’s River Falls (Jamaica)

Climb the terraced waterfalls and enjoy the refreshing natural pools along the way.

4. Harrison’s Cave (Barbados)

Take an underground tram tour to see stunning stalactites, stalagmites, and crystal-clear streams within this limestone cavern.

5. Seven Mile Beach (Grand Cayman)

Known for its gorgeous white sand and crystal-clear waters, it's a perfect spot for sunbathing and water sports.

6. Brimstone Hill Fortress (St. Kitts)

This well-preserved military fort offers panoramic views and a glimpse into colonial history.

7. Blue Hole (Belize)

This underwater sinkhole is a paradise for divers and snorkelers. Not only is it part of the Belize Barrier Reef Reserve System, it's also an UNESCO World Heritage Site.

8. El Yunque National Forest (Puerto Rico)

The only tropical rainforest in the U.S. National Forest System, it offers lush landscapes, waterfalls, and abundant wildlife.

9. Pink Sand Beach (Bahamas)

Famous for its unique, pink-colored sand and clear waters, this Harbour Island beach is perfect for a relaxing day in the sun.

10. Champagne Reef (Dominica)

A famous diving and snorkeling spot where underwater volcanic activity creates a champagne-like effect with bubbles.

Couple holding hands on beach in St. Lucia during their Caribbean travel.

What to eat and drink in the Caribbean: 5 must-try menu items

Each island serves its own special dishes, with abundant use of local spices, fresh seafood, and tropical fruits.

Top 5 Caribbean dishes and drinks to try

1. Jerk chicken

Jamaicans cook this spicy, flavorful grilled chicken with a blend of scallions, thyme, allspice, and Scotch bonnet peppers.

2. Conch fritters

A popular Bahamian dish, these deep-fried conch meat fritters have a seasoned batter, perfect for a crispy, tasty treat.

3. Roti

Originating from Trinidad and Tobago, this flatbread contains curried meats or vegetables, offering a flavorful and fulfilling meal.

4. Callaloo

This hearty, green leafy soup is a staple in many Caribbean islands, particularly in Trinidad and Tobago. The dish contains callaloo leaves, okra, and coconut milk.

5. Coconut water

Freshly harvested from young coconuts, this hydrating and refreshing drink is naturally sweet and packed with electrolytes.

How to get around in the Caribbean: best transportation options

You have various transportation options for Caribbean travel within and between islands. This makes it easy and flexible for visitors to explore the area.

Top 5 Caribbean transportation methods
1. Taxis and rideshares
Convenient and widely available, taxis offer a door-to-door service that can get you anywhere on the island. Some islands also have rideshare apps like Uber or Lyft, making it easier to get a ride from your phone.
2. Buses
Public buses are a cost-effective way to navigate the islands. They might not always run on a strict schedule, but they provide an authentic local experience and can be quite an adventure.
3. Car rentals
For the ultimate freedom and flexibility, consider renting a car. This option allows you to explore at your own pace and reach more remote and less touristy spots. Just remember to familiarize yourself with local driving laws and consider car rental collision coverage through travel insurance.
4. Bikes
Ideal for short distances and smaller islands, renting a bike allows you to enjoy Caribbean travel with a tropical breeze. You'll also be following responsible traveler best practices, as it's an eco-friendly (and fun!) way to get around.
5. Ferries and water taxis
Given that the Caribbean consists of numerous islands, ferries and water taxis are perfect for island-hopping. They offer a unique perspective from the sea, letting you enjoy stunning views during your commute.

Family on the beach during Caribbean travel.

Best places to stay in the Caribbean: top areas for tourists

When planning a trip to the Caribbean, finding the right place to stay can make all the difference. From small cottages to the best all-inclusive resorts in the Caribbean, these neighborhoods have a lot to offer.

10 best places to stay in the Caribbean

1. Grace Bay, Providenciales, Turks and Caicos

Famous for its stunning white sand beaches and clear turquoise waters, Grace Bay offers a variety of luxury all-inclusive resorts, fine dining, and water sports.

2. Old San Juan, Puerto Rico

This historical district is a great choice for vibrant culture and delicious cuisine. Here, you'll find colorful colonial buildings, cobblestone streets, and rich history.

3. Rodney Bay, St. Lucia

This popular area has beautiful marinas, upscale hotels, and a vibrant nightlife. You can enjoy both the beach and the bustling local culture in Rodney Bay.

4. The Gap, Barbados

St. Lawrence Gap offers a mix of nightlife, dining, and beautiful beaches. The lively area is well-suited to both singles and families looking for entertainment.

5. Gros Islet, St. Lucia

Known for its Friday Night Street Party, Gros Islet combines local vibes with quality hotels and excellent seafood.

6. Cabarete, Dominican Republic

This neighborhood is a haven for kite surfers and adventure seekers. It also offers a laid-back beach town atmosphere with plenty of beachside restaurants.

7. Pink Gin Beach, Grenada

This peaceful, beautiful area offers high-end all-inclusive resorts and stunning sunsets. If you're looking for relaxation and luxury, you'll find it here.

8. Seven Mile Beach, Grand Cayman

With long stretches of sandy beaches and clear waters, this area offers plenty of resorts, restaurants, and water activities.

9. Negril, Jamaica

Famous for its beautiful Seven Mile Beach and dramatic sunsets, Negril provides a relaxed atmosphere. You can find various lodging options ranging from all-inclusive resorts to charming cottages.

10. English Harbour, Antigua

In this historical area, don't miss Nelson's Dockyard and its beautifully restored Georgian buildings. History buffs and sailing enthusiasts will likely have a great time here.

Your packing list: what to bring for Caribbean travel

Wondering what to pack for your Caribbean experience? Remember to prioritize lightweight and comfortable clothing, along with some extra necessities.

Top 10 things to pack for Caribbean travel

1. Sunscreen

Protect your skin from the tropical sun with a high-SPF sunscreen to prevent sunburns.

2. Swimwear

Pack a variety of swimsuits for the beach, pool, and water activities.

3. Lightweight clothing

Include breathable, lightweight outfits to stay cool in the warm climate.

4. Sandals and flip-flops

Comfortable footwear is essential for beach days and casual outings.

5. Sun hat

A wide-brimmed hat will help shield your face from the intense sun.

6. Sunglasses

Protect your eyes with good-quality sunglasses that offer UV protection.

7. Reusable water bottle

Stay hydrated and reduce plastic waste by carrying a refillable water bottle.

8. Insect repellent

Ward off mosquitoes and other insects with a reliable repellent.

9. Travel documents

Ensure you have your passport and any necessary visas readily available.

10. Travel insurance

Consider protecting your Caribbean travel expenses, in case you have unexpected mishaps like canceled flights and lost baggage. Learn more about our travel insurance for the Caribbean now.

Want to feel more confident about your Caribbean travel plans?

Our travel insurance and award-winning customer service can help. Get a quote now. 

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7 situations when travel insurance is worth it