The Caribbean is paradise — and one of the world's most complex regions for travel insurance. Seasonal hurricanes, tropical diseases, remote island healthcare. Here is your complete guide.
Hurricane Season: When and How It Affects Travel
The Atlantic hurricane season runs June 1 to November 30, with peak activity August-October. Destinations at highest risk include Barbados, Dominica, St Lucia, Puerto Rico, Dominican Republic and Jamaica. IATI covers medical emergencies related to hurricane events but does not cover trip cancellation due to weather — check your plan terms.
Tropical Diseases: Dengue, Zika, Chikungunya
Dengue fever is endemic throughout the Caribbean. Zika remains a concern in several islands. Chikungunya circulates seasonally. IATI covers medical treatment for all of these diseases, including hospitalization, IV treatment, and physician consultations.
Healthcare in the Caribbean
Healthcare quality varies dramatically across islands. Barbados, Trinidad and Puerto Rico have reasonable hospital facilities. Remote islands (Dominica, Saba, Bequia) have limited facilities and may require medical evacuation to a larger island or mainland USA. IATI covers evacuation in all cases.
Cuba Requires Insurance for All Visitors
Cuba legally requires all foreign nationals to show valid travel insurance upon arrival. No valid insurance equals no entry. IATI's certificate satisfies Cuban immigration requirements. This is one of the few Caribbean destinations with a mandatory insurance requirement.
Diving and Water Sports Coverage
The Caribbean is a world-class diving destination. IATI covers recreational scuba diving to 20 meters depth, snorkeling, windsurfing, kitesurfing and other water sports. Decompression sickness treatment (hyperbaric chamber) is covered under the medical expense benefit.
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