Explore our travel insurance for Bahamas vacations
Explore our travel insurance for Bahamas vacations
Where are you going?
Enter your trip destination. If you’re traveling to multiple destinations, select the country where you’ll be spending the most time.
Important: We’re unable to provide coverage for any OFAC-sanctioned country. Please check the OFAC website and our travel alerts page for information on affected countries.
Going to Cuba? You’ll need our preapproval to get travel insurance coverage for a trip to Cuba. Please call our customer service team at 1-800-228-9792 to speak with us about your trip to Cuba.
Our Bahamas travel insurance can help protect you from costly emergency medical bills, hurricane disruptions, and more — so you can relax and enjoy your island getaway.
How our comprehensive travel insurance for the Bahamas can help you
From sudden storms to diving injuries, travel insurance for the Bahamas helps cover unexpected costs like emergency medical expenses, travel delays, and cancellations.
If you’re planning to scuba dive …
Our scuba diving travel insurance can help protect you — plus, there’s an upgrade if you’re going deeper than 75 feet.
If you're traveling during hurricane season ...
Our Bahamas travel insurance can help cover trip cancellations, delays, or evacuations caused by severe weather.
If you’re heading to the beach in the Bahamas …
Our trip inconvenience benefit can help reimburse costs if the beach happens to be closed.
If you’re exploring the Bahamas by car …
Our rental car damage upgrade can help with unexpected costs if you get in an accident while exploring the island.
Here's what you get with our robust travel insurance for the Bahamas
Want our best Bahamas travel insurance for your trip? You’re in the right place.
Whether you're snorkeling off Nassau or island-hopping by ferry, our comprehensive plans are built to help protect you, your trip, and your wallet.
Before you buy: When it comes to scuba diving travel insurance, our Ultimate, Advantage, and Essential plans include coverage for recreational dives up to 75 feet — but if you’re planning to dive deeper, don’t forget to add our adventure activities upgrade for extra protection.
Ultimate
For travelers who want maximum protection.
- Up to $50,000 trip cancellation
- Up to $75,000 trip interruption
- Up to $2,000 travel delay
- Up to $250,000 emergency medical*
- Up to $1,000,000 emergency evacuation and repatriation
Advantage
For travelers who want a step up from basic coverage.
- Up to $10,000 trip cancellation
- Up to $12,500 trip interruption
- Up to $1,000 travel delay
- Up to $50,000 emergency medical
- Up to $250,000 emergency evacuation and repatriation
Essential
For travelers who want reliable coverage at a lower cost.
- Up to $10,000 trip cancellation
- Up to $10,000 trip interruption
- Up to $600 travel delay
- Up to $25,000 emergency medical
- Up to $200,000 emergency evacuation and repatriation
| Our plan benefits and coverage details | Ultimate | Advantage | Essential |
|---|---|---|---|
| Trip cancellation, interruption, delay, and inconvenience | |||
|
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.
|
100% of trip cost ($50,000 maximum)
|
100% of trip cost ($10,000 maximum)
|
100% of trip cost ($10,000 maximum)
|
|
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
|
150% of trip cost ($75,000 maximum)
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$125% of trip cost ($12,500 maximum)
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100% of trip cost ($10,000 maximum)
|
|
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
|
$2,000 ($250 per day maximum)
|
$1,000 ($250 per day maximum)
|
$600 ($200 per day maximum)
|
|
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
|
$2,000 ($500 per item limit)
|
$1,000 ($500 per item limit)
|
$750 ($500 per item limit)
|
|
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
|
$500
|
$200
|
$200
|
|
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
|
$750
|
$500
|
$150
|
|
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason.
Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum |
$600
|
Not included
|
Not included
|
| Emergency evacuation and repatriation | |||
|
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
|
$1,000,000
|
$250,000
|
$200,000
|
| Emergency medical expense | |||
|
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
|
$250,000
*$50,000 for NH residents |
$50,000
|
$25,000
|
|
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
|
$500
|
$500
|
$500
|
|
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
|
Included if plan is purchased within 21 days of first trip payment and full trip cost is insured
|
Not included
|
Not included
|
|
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
|
90 days
Does not apply to NH residents |
120 days
Does not apply to NH residents |
180 days
Does not apply to NH residents |
|
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
|
Included
|
Included
|
Not included (secondary coverage)
Included for CT residents |
| Accidental death and dismemberment | |||
|
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
|
$25,000
|
$20,000
|
$10,000
|
|
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
|
$25,000
|
$20,000
|
$10,000
|
| Other benefits | |||
|
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
|
Included
|
Included
|
Included
|
|
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.
|
Yes
|
No
|
No
|
|
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
|
Up to 180 days
|
Up to 30 days
|
Up to 30 days
|
|
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
|
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
|
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
|
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
|
|
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
|
21 days
|
21 days
|
21 days
|
|
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
|
Included, but limited to eligible activities (optional upgrade available for additional activities)
|
Included, but limited to eligible activities (optional upgrade available for additional activities)
|
Included, but limited to eligible activities (optional upgrade available for additional activities)
|
| Optional upgrades | |||
|
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.
|
Available (75% of insured trip cost up to $7,500)
|
Not available
|
Not available
|
|
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
|
Available ($50,000 with a $100 deductible)
|
Available ($50,000 with a $100 deductible)
|
Available ($50,000 with a $100 deductible)
|
|
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
|
Available (additional $250,000)
Not available to NH residents |
Not available
|
Not available
|
|
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
|
Available (waives exclusions on certain activities)
Search and rescue: $10,000 Security evacuation: $100,000 |
Available (waives exclusions on certain activities)
Search and rescue: $10,000 Security evacuation: $100,000 |
Available (waives exclusions on certain activities)
Search and rescue: $10,000 Security evacuation: $100,000 |
|
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
|
Available ($200,000, $500,000, or $1,000,000)
Not available to NH residents |
Available ($200,000, $500,000, or $1,000,000)
Not available to NH residents |
Available ($200,000, $500,000, or $1,000,000)
Not available to NH residents |
|
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
|
Available
Pet care: $250 Pet veterinarian expense: $2,500 |
Available
Pet care: $250 Pet veterinarian expense: $2,500 |
Available
Pet care: $250 Pet veterinarian expense: $2,500 |
|
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
|
Available ($2,000)
|
Available ($2,000)
|
Available ($2,000)
|
|
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.
|
Available (100% of insured trip cost up to $10,000)
|
Not available
|
Not available
|
|
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
|
Available (additional $3,000)
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Available (additional $4,000)
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Available (additional $4,250)
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
| Our plan benefits and coverage details | ||
|---|---|---|
| Ultimate | Advantage | Essential |
| Trip cancellation, interruption, delay, and inconvenience | ||
|
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.
|
||
|
|
|
|
|
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
|
||
|
|
|
|
|
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
|
||
|
|
|
|
|
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
|
||
|
|
|
|
|
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
|
||
|
|
|
|
|
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
|
||
|
|
|
|
|
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason.
Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum |
||
|
|
|
|
| Emergency evacuation and repatriation | ||
|
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
|
||
|
|
|
|
| Emergency medical expense | ||
|
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
|
||
|
*$50,000 for NH residents |
|
|
|
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
|
||
|
|
|
|
|
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
|
||
|
|
|
|
|
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
|
||
|
Does not apply to NH residents |
Does not apply to NH residents |
Does not apply to NH residents |
|
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
|
||
|
|
|
Included for CT residents |
| Accidental death and dismemberment | ||
|
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
|
||
|
|
|
|
|
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
|
||
|
|
|
|
| Other benefits | ||
|
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
|
||
|
|
|
|
|
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.
|
||
|
|
|
|
|
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
|
||
|
|
|
|
|
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
|
||
|
|
|
|
|
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
|
||
|
|
|
|
|
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
|
||
|
|
|
|
| Optional upgrades | ||
|
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.
|
||
|
|
|
|
|
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
|
||
|
|
|
|
|
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
|
||
|
Not available to NH residents |
|
|
|
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
|
||
|
Search and rescue: $10,000 Security evacuation: $100,000 |
Search and rescue: $10,000 Security evacuation: $100,000 |
Search and rescue: $10,000 Security evacuation: $100,000 |
|
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
|
||
|
Not available to NH residents |
Not available to NH residents |
Not available to NH residents |
|
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
|
||
|
Pet care: $250 Pet veterinarian expense: $2,500 |
Pet care: $250 Pet veterinarian expense: $2,500 |
Pet care: $250 Pet veterinarian expense: $2,500 |
|
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
|
||
|
|
|
|
|
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.
|
||
|
|
|
|
|
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
|
||
|
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Here's what you get with our on-trip travel insurance for the Bahamas
Don’t need trip cancellation coverage for your Bahamas getaway? Our Travel Med Go plan offers essential travel insurance for beach trips, including emergency medical expenses and 24/7 assistance while you’re abroad.
See what’s included, what’s not, and the benefit limits below.
Before you buy: Travel Med Go is designed for travelers who don’t need trip cancellation benefits — just on-trip coverage for things like delays, luggage, emergency medical, and 24/7 assistance. If you’re not departing for a while, it may be worth comparing other plans that include broader protection, like Ultimate, Advantage, and Essential.
Travel Med Go
Our post-departure plan with helpful on-trip coverage.
- Trip cancellation
- Up to $50,000 emergency medical
- Additional $250,000 emergency medical upgrade available
- Up to $250,000 emergency evacuation and repatriation
- Up to $1,000 baggage and personal effects
| Our plan benefits and coverage details | Travel Med Go |
|---|---|
| Trip interruption and delay | |
|
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
|
$1,000 maximum
|
|
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
|
$500 ($200 daily limit)
|
|
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
|
$300
|
|
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
|
$1,000 ($500 per item limit)
|
|
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
|
$500
|
| Emergency evacuation and repatriation | |
|
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
|
$250,000
|
| Emergency medical expense | |
|
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MS, MT, VT, and WA have a $50 deductible.
|
$50,000
|
|
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VA, and WA have a $50 deductible.
|
$500
|
|
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
|
180 days
Does not apply to NH residents |
|
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
|
Included
|
| Accidental death and dismemberment | |
|
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
|
$10,000
|
|
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
|
$10,000
|
| Other benefits | |
|
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
|
Included
|
|
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
|
Up to 60 days
|
|
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
|
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
|
|
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
|
21 days
|
|
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
|
Included, but limited to eligible activities (optional upgrade available for additional activities)
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| Optional upgrades | |
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If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
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Available ($50,000 with $100 deductible)
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If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
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Available (additional $250,000 for emergency medical expense only)
Not available to NH residents |
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If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
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Available (provides coverage for certain additional activities not included in the base plan)
Search and rescue: $10,000 Security evacuation: $100,000 |
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If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
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Available
Limit options: $200,000, $500,000, or $1,000,000) Not available to NH residents |
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If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
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Available
Pet care: $250 Pet veterinarian expense: $2,500 |
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Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
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Available ($2,000)
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Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
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Available (additional $4,000)
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
| Our plan benefits and coverage details |
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| Travel Med Go |
| Trip interruption and delay |
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Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
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Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
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Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
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Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
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Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
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| Emergency evacuation and repatriation |
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Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
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| Emergency medical expense |
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Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MS, MT, VT, and WA have a $50 deductible.
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Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VA, and WA have a $50 deductible.
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This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
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Does not apply to NH residents |
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If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
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| Accidental death and dismemberment |
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Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
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Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
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| Other benefits |
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If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
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The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
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We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
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This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
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We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
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| Optional upgrades |
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If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
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If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
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Not available to NH residents |
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If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
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Search and rescue: $10,000 Security evacuation: $100,000 |
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If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
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Limit options: $200,000, $500,000, or $1,000,000) Not available to NH residents |
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If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
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Pet care: $250 Pet veterinarian expense: $2,500 |
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Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
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Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
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Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Here's what you get with our flight travel insurance for the Bahamas
Flying to the Bahamas for some time in the sea and on the sand? Our flight plans are focused on air protection. Flight Insure Plus offers additional benefits, including emergency medical, missed connection, and baggage coverage.
Check out the table below to compare your options and see what’s included, what’s not, and the benefit limits for our flight Bahamas travel insurance.
Before you buy: These flight-focused plans aren’t eligible for optional upgrades like adventure activities or rental car damage coverage — so if you're planning excursions like scuba diving or driving through the islands, our Ultimate, Advantage, or Essential plan may be a better fit.
Flight Insure Plus
Our plan with extra coverage during your flight and throughout your trip.
- Up to $1 million accidental death for air travel
- Up to $10,000 emergency medical and dental
- Up to $100,000 emergency evacuation and repatriation
- Up to $1,000 baggage and personal effects
- Up to $50 missed connection
Flight Insure
Our plan with simple coverage during your flight.
- Up to $1 million accidental death for air travel
- Emergency medical
- Emergency evacuation and repatriation
- Baggage and personal effects
- Missed connection
| Our plan benefits and coverage details | Flight Insure Plus | Flight Insure |
|---|---|---|
| Accidental death | ||
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Benefit for loss of life as a result of an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip.
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Up to $1 million
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Up to $1 million
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| Medical and dental | ||
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Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip and emergency dental treatment if you're injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
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$10,000
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Not included
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Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
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$100,000
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Not included
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This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
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180 days
Does not apply to NH residents |
Not applicable
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If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
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Included
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Included
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| Travel inconvenience | ||
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Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
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$1,000 ($250 per item limit)
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Not included
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Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
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$500
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Not included
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Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
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$50
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Not included
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| Other benefits | ||
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If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
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Included
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Included
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The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
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Up to 180 days
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Up to 180 days
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We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
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All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
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All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
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This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
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21 days
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21 days
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| Our plan benefits and coverage details | |
|---|---|
| Flight Insure Plus | Flight Insure |
| Accidental death | |
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Benefit for loss of life as a result of an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip.
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| Medical and dental | |
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Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip and emergency dental treatment if you're injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
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Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
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This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
|
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Does not apply to NH residents |
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If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
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| Travel inconvenience | |
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Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
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Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
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Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
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| Other benefits | |
|
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
|
|
|
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|
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The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
|
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We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
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This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
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* This coverage only applies to emergency medical expenses that first arise during your trip. You’ll have a $50 deductible if your primary residence is in Connecticut, Indiana, Kansas, Missouri, Montana, Vermont, or Washington. Residents of New Hampshire are eligible for up to $50,000 emergency medical and dental coverage with the Ultimate plan.
Why vacation with ourtravel insurance for the Bahamas?
You can match your coverage to your trip and move forward with a team that understands the ups, downs, and surprises of travel.
Personalize your policy
Planning to snorkel, rent a car, or island-hop? With up to nine optional upgrades like adventure activities and rental car damage, you can tailor coverage to your plans.
25+ years’ experience
We’ve helped travelers stay safe on thousands of trips to the Bahamas — backed by decades of experience and award-winning technology.
24/7 travel support
Whether you need a local doctor in Eleuthera or emergency support in Nassau, our emergency assistance team is available anytime, anywhere in the Bahamas.
Get to know ourcoverage a little bit more
Our benefits and optional upgrades make it easy to tailor your policy to your Bahamas trip — whether you're hitting the beach, diving offshore, or exploring by car.
Unpack our benefits
Our Bahamas travel insurance offers essential benefits like emergency medical expenses, trip interruption, and travel delay — so you can explore with confidence.
Discover our upgrades
Our travel insurance for the Bahamas offers up to nine optional upgrades, making it easy to customize your coverage to match your plans — from relaxing getaways to active adventures.
Pack our Travel On app
Keep your policy in your pocket — and more. Travel safer with our app’s tap-to-call 24/7 assistance, destination information, and real-time safety alerts.
Tips for a smooth and unforgettableBahamas vacation
Traveling to the Bahamas? Read these tips before you go to help you prepare.
Going on a cruise to the Bahamas?
The truth about cruisesWe’re debunking seven myths about cruises so you can have the confidence to plan a getaway on the water.
Wondering if travel insurance to the Bahamas is worth it?
See how coverage helpsWe’ve named seven ways it can help save you money and make your trip smoother.
Traveling to the Bahamas during hurricane season?
Prepare for hurricanesWhile you can travel safely during hurricane season, we recommend being prepared for the unexpected.
Want to know more about our Bahamas travel insurance?
Explore what’s eligible for coverage and how we can support your getaway to the Bahamas.
Before visiting the Bahamas, you may want to stay in touch with the latest updates from the U.S. Department of State's travel advisories website to check if there are any travel warnings for the area.
If there's a travel advisory that could affect your coverage with Travelex, it may be listed on our travel alerts page. If you're a Travelex policyholder, you can get the most out of your plan and receive real-time security notifications during your Bahamas vacation when you download our Travel On app.
Even if you plan to relax for your entire all-inclusive Caribbean vacation, it's still smart to think about getting travel insurance. Beyond merely helping to protect against unforeseen medical issues or accidents during your journey, we can also provide coverage for unpredicted eligible events like trip interruptions and travel delays.
You may have made a big investment in your cruise, and you never know when you could be one named storm or unforeseen illness away from a canceled trip.
If your plans are derailed because of an unanticipated event, travel insurance coverage for Bahamas cruises may reimburse you for unforeseen expenses or prevent you from losing your whole cruise investment. We can offer you coverage whether your ship departs from the United States or the Bahamas as long as your primary residence is in the United States.
Learn more about how our cruise travel insurance can help you feel more in control while enjoying a cruise in the Bahamas.
If you’re picturing yourself feeling the wind in your hair while you drive past the white-sand beaches of the Bahamas, you may want to look into our rental car damage upgrade. It can provide coverage if there’s damage to your rental car because of eligible events like collision and flood.
Discover more about our travel insurance for car rentals here.
Have you dreamt about scuba diving Dean’s Blue Hole in the Bahamas or hiking at the Bahamas National Trust Nature Centre in Freeport? At Travelex, certain activities are included with our base coverage, such as horseback riding, snorkeling, and kayaking. And if you’re looking to rent a jet ski like many other Bahamian tourists, you’ll feel relieved to know our base plans include jet ski travel insurance.
But, if you think you’ll try another activity that isn’t eligible for coverage with the base plans, it’s a smart idea to consider adding our adventure activities upgrade. It can provide you with scuba travel insurance, skydiving coverage, and more.
Some of our plans offer trip cancellation coverage for certain reasons. But having the freedom to know you’re able to cancel your trip for any reason can feel like a huge relief — even before something unexpected happens.
Our Ultimate plan is eligible for our optional cancel for any reason upgrade, which can reimburse you up to 75% ($7,500 maximum) of your insured trip payments when you have to cancel your trip up to 48 hours before departing. You can use our cancel for any reason upgrade for any cancellation reason at all.
To get cancel for any reason coverage, you must:
- Insure all your nonrefundable trip expenses in your plan.
- Have a trip cost equal to or less than $10,000.
- Purchase the upgrade at least 31 days before your departure date.
- Buy the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip.
- Insure subsequent arrangements within 14 days of booking them.
*Cancel for any fortuitous reason for NY residents.
Thinking about visiting the nearby Florida Keys or Turks and Caicos during your Bahamas vacation? You can get coverage for your whole trip even if you’re stopping in different countries, as long as the country you’re in isn’t a sanctioned or restricted destination that we don’t insure (check our blocked destinations page for more information).
When you get a Bahamas travel insurance quote for a trip to multiple countries, you should enter your destination as the country you'll be in for most of the trip. For example, if you plan on staying in the Florida Keys for two nights and the Bahamas for three nights, you should list the Bahamas as your destination for travel insurance purposes.
You may be able to get travel insurance through your credit card, but it likely won’t include 24/7 travel assistance or be backed by a specialized company that provides higher benefit limits. You may also have to jump through hoops to receive travel insurance coverage through a credit card company, as some have requirements for eligibility before coverage can kick-in.
At Travelex, we can offer broader coverage than most credit card companies — including potentially insuring pre-existing medical conditions — so you can have a smoother journey in the Bahamas.
Our Ultimate, Advantage, Essential, and Travel Med Go plans include travel insurance for scuba diving up to 75 feet, which is perfect for most guided dives in the Bahamas. If you're planning to go deeper than 75 feet or participate in more advanced or technical diving experiences, you'll want to add our adventure activities upgrade to ensure you’re eligible for coverage.
This upgrade is designed for travelers who are taking part in higher-risk activities, including deep-water diving, and adds an extra layer of protection to your policy. It’s a great option if you’re heading to popular dive spots in the Bahamas like Andros, the Exumas, or the Tongue of the Ocean, where deeper dives are common.
Adding the upgrade is simple during the quote process, and it helps make sure you’re protected no matter how deep you plan to go.
In most cases, no. The majority of U.S. health insurance plans — including Medicare — don’t cover medical expenses incurred in the Bahamas. That means if you need medical care while abroad, you could be responsible for the full cost out of pocket.
To help protect yourself, it’s recommended to purchase Bahamas travel insurance before your trip. A plan with emergency medical coverage can help cover doctor visits, hospital stays, and emergency medical evacuations if something unexpected happens while you're in the Bahamas.
Our travel insurance can help if a hurricane or other natural disaster affects your trip, but the coverage depends on the plan you choose and when you buy your policy.
Our Ultimate, Advantage, and Essential plans include trip cancellation benefits, which can reimburse you if you need to cancel before your departure due to severe weather. These plans, along with Travel Med Go, also include trip interruption, travel delay, and emergency medical evacuation coverage which can help if your trip is disrupted after it starts.
To make the most of these benefits, it’s important to purchase your plan before a storm is named.
It’s best to buy travel insurance for beach trips as soon as you’ve booked your trip. Purchasing early helps ensure you get the most value from your plan — especially if you want trip cancellation benefits, which only apply to events that happen after your coverage is in place.
If you're traveling during hurricane season (June through November), it’s especially important to buy your plan before a storm is named. Once a storm is forecasted or officially named, it’s considered a known event and may no longer be covered.
Buying early also gives you time to review your coverage, consider optional upgrades — like adventure activities for scuba diving — and make sure your plan fits your Bahamas itinerary.
Yes, if you’re eligible for coverage with our pre-existing condition exclusion waiver, available with our Ultimate plan.
To be eligible, you must:
- Purchase your plan within three weeks (21 days) of your initial trip payment.
- Insure additional trip costs within 21 days of paying for them.
- Be medically able to travel at the time of purchase.
If you meet this criteria, the waiver may allow coverage for certain pre-existing medical conditions — so you can enjoy your Bahamas trip with added confidence.
