What are the best travel insurance options for Anguilla in 2025?
- The best travel insurance plans for Anguilla
- Is it currently safe to travel to</b> Anguilla?
- Is travel insurance required by law to enter Anguilla?
- Why take out travel insurance for Anguilla?
- What should travel insurance for Anguilla cover?
- The cost of travel insurance for Anguilla
- How to pay less for your travel insurance to Anguilla
- Can I rely on my current insurance to cover me in Anguilla?
- FAQ
Travel insurance for Anguilla: key takeaways
1. Definition: Travel insurance for Anguilla covers medical emergencies, trip cancellation, and other unforeseen travel disruptions.
2. Key protection: Insurance is not required, but it is vital due to limited local medical facilities.
3. Healthcare cost: A hospital stay in Anguilla can cost over $1,000 per night for foreign visitors.
4. Price: A one-week travel insurance policy for Anguilla typically costs between $30 and $60.
5. Good to know: Policies should include medical evacuation, as serious cases may require transfer for adequate treatment.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 42 travel insurance policies available in the U.S., our experts share here everything you need to know to choose the best travel insurance for Anguilla.
The best travel insurance plans for Anguilla
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Strong coverage for travelers to Anguilla. - high medical limit - repatriation - flexible trip duration |
| Cap Assistance 24/24 | $1.1M | Suitable for safe travel in Anguilla. - 24/7 medical support - trip cancellation - no deductible |
| Tourist Card | $550k | Meets main needs for Anguilla tourism. - core medical cover - emergency assistance - easy claims process |
| Travel Pass Monde | $770k | Good for longer or varied stays. - hospital and doctor fees - repatriation - clear contract wording |
| Globe Partner | $330k | Covers essential health risks. - medical and hospital care - personal liability - practical coverage for families |
| Globe Traveller | $550k | For budget-conscious short trips. - basic medical emergencies - efficient claim handling - capped maximum |
- high medical limit
- repatriation
- flexible trip duration
- 24/7 medical support
- trip cancellation
- no deductible
- core medical cover
- emergency assistance
- easy claims process
- hospital and doctor fees
- repatriation
- clear contract wording
- medical and hospital care
- personal liability
- practical coverage for families
- basic medical emergencies
- efficient claim handling
- capped maximum
Is it currently safe to travel to Anguilla?
As of June 2025, the US Department of State rates Anguilla as Level 1: exercise normal precautions. There are no official advisories against travel to Anguilla for US citizens.
- Security risks: petty crime such as theft occurs, particularly on beaches and in hotel rooms. It is advised to avoid walking alone at night in isolated areas, including Shoal Bay.
- Health risks: there is no risk of yellow fever or malaria, but medical facilities do not meet US standards. In medical emergencies, evacuation to another country may be required.
- Legal requirements: a valid US passport is needed for entry, along with an onward or return ticket and proof of accommodation. No visa is required for short visits by US citizens.
- Local practices: always use clearly marked taxis and avoid accepting rides from strangers. The US Embassy in Bridgetown, Barbados provides consular services for Anguilla.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Anguilla.
Is travel insurance required by law to enter Anguilla?
No, travel insurance is not legally mandatory for US citizens to enter Anguilla.
Travel insurance is still strongly recommended because medical facilities in Anguilla do not meet US standards, and in the event of a serious injury, emergency evacuation to another country can be extremely costly. Insurance can provide coverage for unexpected medical expenses and protect travelers against common travel risks.
According to our data, 80% of travelers purchase travel insurance before going to Anguilla. This high rate is due to the expensive costs of overseas medical care and evacuation.
Why take out travel insurance for Anguilla?
It is an essential financial and medical protection for anyone going to Anguilla.
In Anguilla, health costs can be high for US visitors since most foreigners rely on private care or the Princess Alexandra Hospital in The Valley, where all treatments for non-residents must be paid out of pocket. Emergency evacuations to neighboring islands or the US are often required for complex care, and these can be particularly expensive.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in the event of a serious incident.
Here are some examples of healthcare costs in Anguilla.
| Example of medical treatment | Cost at Princess Alexandra Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | XCD 6,700 (about $2,500) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | XCD 5,800 (about $2,165) | up to 100% |
| I need to be repatriated | XCD 50,000 (about $18,650) | up to 100% |
| I have appendicitis (consultation and surgery) | XCD 18,000 (about $6,700) | up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What should travel insurance for Anguilla cover?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers costs of consultations, hospitalization, surgery, and medicines for accidents or illnesses. We recommend a reimbursement limit of at least $200,000. |
| 🚑 Medical evacuation | Pays for emergency transfer to a higher-level facility or repatriation to the US if required. Recommended reimbursement limit: $150,000. |
| 💼 Baggage insurance | Provides compensation if your baggage is lost, stolen, or damaged. Look for at least $1,500 per person. |
| ❌ Trip cancellation | Refunds prepaid, non-refundable expenses if you need to cancel or interrupt your trip for covered reasons. Minimum recommended: $5,000. |
| 🧑⚖️ Personal liability | Covers legal expenses and damages if you accidentally injure someone or damage property. A minimum of $100,000 is advisable. |
| 💊 Medications | Reimburses for essential prescription medicines abroad. We recommend a reimbursement limit of $2,500. |
| 📞 24/7 assistance | Ensures access to an emergency assistance hotline for advice and support. Choose a policy with comprehensive, global support. |
| 🧑🦽 Accidental death and disability | Lump sum payout in case of serious permanent injury or death due to an accident. Recommended amount: $30,000. |
We recommend a reimbursement limit of at least $200,000.
Recommended reimbursement limit: $150,000.
Look for at least $1,500 per person.
Minimum recommended: $5,000.
A minimum of $100,000 is advisable.
We recommend a reimbursement limit of $2,500.
Choose a policy with comprehensive, global support.
Recommended amount: $30,000.
Travel insurance from local providers or bank cards typically offers limited coverage, lower limits, and various exclusions. For reliable protection, it is safer to choose a trusted insurer with broad coverage. Compare top options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Anguilla
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $30 |
| 2 weeks | 45 years old | $48 |
| 1 month | 35 years old | $75 |
| 1 month | 70 years old | $140 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of travel insurance depends on several factors: the traveler’s age, trip duration, destination, coverage limits, and optional add-ons like trip cancellation. Keeping these in mind is essential for choosing a policy that fits your needs and budget, ensuring you are adequately protected for your trip without any surprises.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Anguilla
Here are some suggestions to optimize the cost of your travel insurance to Anguilla while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🏥 Level of coverage | Healthcare can be costly and medical facilities in Anguilla are limited, so sufficient coverage is crucial. | Limit extras and select only core medical, evacuation, and baggage protection to avoid unnecessary costs. |
| 🕑 Trip duration | Insurance premiums increase with each additional travel day, impacting overall cost. | Match your policy to your exact trip dates rather than rounding up or adding extra unused days. |
| ✈️ Activities included | Water sports are popular in Anguilla but can increase price if included broadly. | Only cover specific planned sports like snorkeling or sailing, not a general “adventure sports” package. |
| 🧳 Baggage coverage | Luggage is sometimes delayed or lost on small island flights. | Adjust insured value to match what you actually pack and do not overestimate the contents of your luggage. |
| 👴 Traveller’s age | Older travelers typically pay more, regardless of destination. | Compare insurers for seniors carefully. The insurer Heymondo does not increase its prices for people over 62. |
| 🗺️ Geographical scope | Greater area coverage, such as including the US or the Caribbean, raises premiums. | Select only Anguilla or the Caribbean region if you do not need global coverage. |
| 👨👩👧👦 Group or family plans | Insuring multiple people together can lower per-person rates. | Opt for a family or group policy if traveling together, rather than separate individual plans. |
Can I rely on my current insurance to cover me in Anguilla?
It’s completely legitimate to wonder whether your existing coverage—such as credit card insurance or your public health insurance—can protect you during a trip to Anguilla. Unfortunately, these options usually provide only limited protection, especially for medical emergencies or evacuation abroad. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Anguilla? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No overseas coverage; no support for medical evacuation or local hospital care. | Travel insurance reimburses $100,000+ emergencies and evacuation. |
| Private health insurance (UnitedHealthcare, Aetna, Cigna) | Yes, partly | Emergency care abroad, often up to $25,000, excludes trip cancellation and repatriation. | Travel insurance offers up to $500,000 and includes more guarantees. |
| Classic credit card (Visa Classic, Chase Freedom, Citi Double Cash) | Yes, partly | Limited medical coverage under $10,000, no baggage or trip cancellation protection. | Travel insurance covers up to $100,000 and trip/baggage loss. |
| Premium credit card (Amex Platinum, Chase Sapphire Reserve, Capital One Venture X) | Yes, partly | Medical emergencies up to $50,000, partial baggage, minimal trip delay. | Travel insurance covers $250,000+ emergencies and cancellation. |
Example
After a scuba dive in Anguilla, Sarah got decompression sickness, requiring a $65,000 air ambulance to Miami. Her US health plan denied coverage abroad, and her American Express card’s insurance had a $10,000 limit. She was suddenly responsible for the remaining $55,000, a devastating cost for her island getaway.
Expert advice
Always check your existing insurance's terms, exclusions, and limits. Critical events, like trip interruption for a relative's illness, may not be covered. Read the fine print carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.
FAQ
Do I need a visa to travel to Anguilla?
U.S. citizens do not need a visa to travel to Anguilla for short stays. However, you will need a valid U.S. passport that is valid for the duration of your stay, an onward or return ticket, confirmation of accommodation, and evidence that you can financially support yourself during your visit.
How do I purchase travel insurance for Anguilla?
First, compare available options using the HelloSafe travel insurance comparison tool to find suitable plans. Next, check the coverage linked to Anguilla, paying close attention to included guarantees and any specific exclusions. After choosing the right plan, buy it online. Once purchased, you’ll quickly receive your insurance certificate.
Are medical services in Anguilla comparable to the U.S.?
No, medical facilities in Anguilla do not meet U.S. standards, and advanced care is very limited. Serious health issues or emergencies may require medical evacuation to another country. This can result in significant costs, so it is important to have a travel insurance plan with adequate medical evacuation coverage.
Do I need travel insurance if I already have health coverage in the U.S.?
Most U.S. health insurance policies, including Medicare and Medicaid, do not provide coverage outside the United States. Additionally, private plans often exclude medical evacuation and overseas emergencies. Travel insurance can bridge these gaps so you avoid large out-of-pocket costs in Anguilla.
How much does travel insurance for Anguilla usually cost?
Prices for travel insurance to Anguilla generally start around $3 to $7 per day for standard coverage, depending on your age, trip length, and the level of protection chosen. Policies with higher limits or additional benefits, such as evacuation or adventure sports coverage, will cost more.
What should I check before selecting travel insurance for Anguilla?
Check that your policy specifically covers medical evacuation, as this is highly recommended given the limited healthcare infrastructure. Review the exclusions, coverage limits, and make sure common issues like trip delays or lost luggage are included if needed. Confirm that COVID-19 costs are covered if relevant to your plans.
Do I need a visa to travel to Anguilla?
U.S. citizens do not need a visa to travel to Anguilla for short stays. However, you will need a valid U.S. passport that is valid for the duration of your stay, an onward or return ticket, confirmation of accommodation, and evidence that you can financially support yourself during your visit.
How do I purchase travel insurance for Anguilla?
First, compare available options using the HelloSafe travel insurance comparison tool to find suitable plans. Next, check the coverage linked to Anguilla, paying close attention to included guarantees and any specific exclusions. After choosing the right plan, buy it online. Once purchased, you’ll quickly receive your insurance certificate.
Are medical services in Anguilla comparable to the U.S.?
No, medical facilities in Anguilla do not meet U.S. standards, and advanced care is very limited. Serious health issues or emergencies may require medical evacuation to another country. This can result in significant costs, so it is important to have a travel insurance plan with adequate medical evacuation coverage.
Do I need travel insurance if I already have health coverage in the U.S.?
Most U.S. health insurance policies, including Medicare and Medicaid, do not provide coverage outside the United States. Additionally, private plans often exclude medical evacuation and overseas emergencies. Travel insurance can bridge these gaps so you avoid large out-of-pocket costs in Anguilla.
How much does travel insurance for Anguilla usually cost?
Prices for travel insurance to Anguilla generally start around $3 to $7 per day for standard coverage, depending on your age, trip length, and the level of protection chosen. Policies with higher limits or additional benefits, such as evacuation or adventure sports coverage, will cost more.
What should I check before selecting travel insurance for Anguilla?
Check that your policy specifically covers medical evacuation, as this is highly recommended given the limited healthcare infrastructure. Review the exclusions, coverage limits, and make sure common issues like trip delays or lost luggage are included if needed. Confirm that COVID-19 costs are covered if relevant to your plans.
