The Best Travel Insurance Plans for Aruba in 2025

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A. Fruchard
A. Fruchard updated on July 15, 2025
Table of Contents
  • The best travel insurances for Aruba
  • Is it currently safe to travel to Aruba?
  • Is travel insurance required for a visa to Aruba?
  • Why take out travel insurance for Aruba?
  • What should travel insurance for Aruba cover?
  • The cost of travel insurance for Aruba
  • How to pay less for your travel insurance to Aruba
  • Your current insurance coverage in Aruba
  • FAQ
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Travel insurance for Aruba: key takeaways

1. Definition: Travel insurance for Aruba covers medical emergencies, trip cancellation, and other unforeseen travel disruptions.
2. Key protection: Insurance is not mandatory but is vital as U.S. health plans rarely cover you abroad.
3. Healthcare cost: High-quality healthcare in Aruba can be costly; a hospital night may exceed $1,000.
4. Price: A one-week travel insurance policy for Aruba typically costs between $30 and $60.
5. Good to know: Consider policies with hurricane coverage, as Aruba is on the edge of the hurricane belt.

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Why trust HelloSafe?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Aruba.

The best travel insurances for Aruba

Contract we recommendMedical reimbursement limitOur view
HelloTravel Premium$1,000,000Strong coverage for trips to Aruba.
- high medical limit
- worldwide assistance
- repatriation included
Cap Assistance 24/24$1,000,000A solid option for short stays and emergencies.
- 24/7 medical helpline
- no deductible
- cancellation benefits
Tourist Card$500,000Practical for leisure travel in Aruba.
- solid core medical cover
- emergency assistance
- simple claims process
Travel Pass Monde$700,000Balanced and flexible for longer trips.
- repatriation cover
- hospital and medical expenses
- wide territorial scope
Globe Partner$300,000Good for international stays with key essentials.
- basic medical care
- repatriation
- liability coverage
Globe Traveller$500,000Affordable solution for safe, short trips.
- essential medical reimbursement
- quick reimbursements
- suited for low-risk travel
Comparison of recommended travel insurance contracts and their features.
HelloTravel Premium
Medical reimbursement limit
$1,000,000
Our view
Strong coverage for trips to Aruba.
- high medical limit
- worldwide assistance
- repatriation included
Cap Assistance 24/24
Medical reimbursement limit
$1,000,000
Our view
A solid option for short stays and emergencies.
- 24/7 medical helpline
- no deductible
- cancellation benefits
Tourist Card
Medical reimbursement limit
$500,000
Our view
Practical for leisure travel in Aruba.
- solid core medical cover
- emergency assistance
- simple claims process
Travel Pass Monde
Medical reimbursement limit
$700,000
Our view
Balanced and flexible for longer trips.
- repatriation cover
- hospital and medical expenses
- wide territorial scope
Globe Partner
Medical reimbursement limit
$300,000
Our view
Good for international stays with key essentials.
- basic medical care
- repatriation
- liability coverage
Globe Traveller
Medical reimbursement limit
$500,000
Our view
Affordable solution for safe, short trips.
- essential medical reimbursement
- quick reimbursements
- suited for low-risk travel
Comparison of recommended travel insurance contracts and their features.
? Compare the best travel insurance for freeI compare

Is it currently safe to travel to Aruba?

As of June 2025, the US Department of State rates Aruba at Level 1: exercise normal precautions. The official advice indicates overall stable conditions, and no major travel restrictions or discouragement for Aruba.

  • Security risks: petty theft is the main issue for tourists, including bag snatching and theft of valuables left in vehicles or on beaches. Increased incidents are reported in the San Nicolas district at night.
  • Health risks: Zika virus, dengue, and chikungunya are present. Medical care is limited, particularly for serious emergencies, and evacuation to the mainland may be required with costs reaching $25,000.
  • Entry requirements: visitors must present a completed Embarkation and Disembarkation Card on arrival, as well as proof of sufficient funds and onward or return ticket. Yellow fever vaccination is necessary if arriving from certain countries in South America or Africa.
  • Legal restrictions: drug possession, including marijuana, is strictly prohibited. Penalties are enforced for possession, even in small amounts, and arrests are common each year.

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 Aruba.

Is travel insurance required for a visa to Aruba?

No, travel insurance is not mandatory for travelers from the United States to obtain a visa for Aruba.

It is still strongly recommended to have travel insurance, as Aruba’s medical facilities are limited and medical evacuation to the United States can cost between $15,000 and $25,000. Coverage for lost baggage and trip cancellation also provides valuable peace of mind.

According to our data, 80% of travelers purchase travel insurance before going to Aruba due to the potential costs of healthcare and emergency evacuation services.

Why take out travel insurance for Aruba?

It is an essential financial and medical protection for anyone going to Aruba.

In Aruba, foreigners often access care at private clinics such as Dr. Horacio E. Oduber Hospital in Oranjestad. Medical infrastructure is limited and costs in private clinics can be high. Air evacuation to the US from Aruba regularly amounts to tens of thousands of US dollars.

Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the United States if a serious incident occurs.

Here are some examples of healthcare costs in Aruba.

Example of medical treatmentCost at Dr. Horacio E. Oduber HospitalCovered by travel insurance
I have to be hospitalized 48 hours after contracting an infectionAWG 5,400 ($3,000 US)Up to $100,000 US
I broke my tibia (X-ray, cast, and crutch rental)AWG 4,500 ($2,500 US)Up to $100,000 US
I need to be repatriatedAWG 45,000 ($25,000 US)Up to 100% of actual costs
I have appendicitis (consultation and surgery)AWG 16,200 ($9,000 US)Up to $100,000 US
Examples of medical treatment costs and insurance coverage.
I have to be hospitalized 48 hours after contracting an infection
Cost at Dr. Horacio E. Oduber Hospital
AWG 5,400 ($3,000 US)
Covered by travel insurance
Up to $100,000 US
I broke my tibia (X-ray, cast, and crutch rental)
Cost at Dr. Horacio E. Oduber Hospital
AWG 4,500 ($2,500 US)
Covered by travel insurance
Up to $100,000 US
I need to be repatriated
Cost at Dr. Horacio E. Oduber Hospital
AWG 45,000 ($25,000 US)
Covered by travel insurance
Up to 100% of actual costs
I have appendicitis (consultation and surgery)
Cost at Dr. Horacio E. Oduber Hospital
AWG 16,200 ($9,000 US)
Covered by travel insurance
Up to $100,000 US
Examples of medical treatment costs and insurance coverage.

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 Aruba cover?

Here is a summary table of the main coverages you should look for in a travel insurance policy for Aruba.

Main coveragesExplanations and recommendations
? Medical expensesCovers doctor visits, hospital stays, and medical treatment for illnesses or accidents in Aruba.
We recommend a reimbursement limit of at least $100,000 due to limited facilities and expensive private care.
✈️ Trip cancellationReimburses prepaid travel costs if you must cancel your trip due to illness, injury, or other covered reasons.
For Aruba, select coverage up to $5,000–$10,000 to match your total travel investment.
? Baggage & valuablesCovers loss, theft, or delay of luggage and valuables during your trip.
Choose a limit of at least $1,500–$2,500 to cover electronics and essentials.
? Medical evacuationPays for air ambulance or medical repatriation to the US in case of serious illness or injury.
Strongly recommended minimum coverage is $100,000 to match potential costs of evacuation from Aruba to the US.
? Personal liabilityProtects you if you cause accidental damage to others or their property.
Opt for coverage of at least $100,000 to ensure peace of mind during your stay.
? Epidemic/pandemicOffers reimbursement for travel disruption or quarantine costs due to epidemics like COVID-19.
Consider a policy that clearly covers pandemic-related expenses with a limit of $5,000–$10,000.
? Rental car protectionCovers damage or theft of your rental car in Aruba, supplementing your rental agency’s insurance.
Aim for at least $25,000 if you plan to drive on the island.
? Travel assistanceGives you 24/7 multilingual support for emergencies, lost documents, or legal help.
Ensure unlimited or high-limit assistance to access real support throughout your trip.
? Medical expenses
Explanations and recommendations
Covers doctor visits, hospital stays, and medical treatment for illnesses or accidents in Aruba.
We recommend a reimbursement limit of at least $100,000 due to limited facilities and expensive private care.
✈️ Trip cancellation
Explanations and recommendations
Reimburses prepaid travel costs if you must cancel your trip due to illness, injury, or other covered reasons.
For Aruba, select coverage up to $5,000–$10,000 to match your total travel investment.
? Baggage & valuables
Explanations and recommendations
Covers loss, theft, or delay of luggage and valuables during your trip.
Choose a limit of at least $1,500–$2,500 to cover electronics and essentials.
? Medical evacuation
Explanations and recommendations
Pays for air ambulance or medical repatriation to the US in case of serious illness or injury.
Strongly recommended minimum coverage is $100,000 to match potential costs of evacuation from Aruba to the US.
? Personal liability
Explanations and recommendations
Protects you if you cause accidental damage to others or their property.
Opt for coverage of at least $100,000 to ensure peace of mind during your stay.
? Epidemic/pandemic
Explanations and recommendations
Offers reimbursement for travel disruption or quarantine costs due to epidemics like COVID-19.
Consider a policy that clearly covers pandemic-related expenses with a limit of $5,000–$10,000.
? Rental car protection
Explanations and recommendations
Covers damage or theft of your rental car in Aruba, supplementing your rental agency’s insurance.
Aim for at least $25,000 if you plan to drive on the island.
? Travel assistance
Explanations and recommendations
Gives you 24/7 multilingual support for emergencies, lost documents, or legal help.
Ensure unlimited or high-limit assistance to access real support throughout your trip.

Travel insurance from local providers or bank cards generally has limited coverage, low limits, and many exclusions. It is safer to select a trusted insurer with comprehensive protection. Compare the leading options on HelloSafe and subscribe online for instant certification.

The cost of travel insurance for Aruba

Trip durationTraveler’s ageIndicative price per person
1 week25 years old$22
2 weeks45 years old$38
1 month35 years old$61
1 month70 years old$145
1 week
Traveler’s age
25 years old
Indicative price per person
$22
2 weeks
Traveler’s age
45 years old
Indicative price per person
$38
1 month
Traveler’s age
35 years old
Indicative price per person
$61
1 month
Traveler’s age
70 years old
Indicative price per person
$145

These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.

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Good to know

The price of your travel insurance is based on several variables. Remember to account for the traveler's age, the duration of the stay, the destination, and any optional coverage like a cancellation waiver. Keeping these factors in mind is essential to select the right policy that fits your budget and travel needs.

? 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 compare

How to pay less for your travel insurance to Aruba

Here are some suggestions to optimize the cost of your travel insurance to Aruba while keeping good coverage:

CriteriaWhy it mattersExpert tip
? Level of coverageMedical care in Aruba is limited and expensive. Higher coverage protects against costly emergencies and evacuation needs.Select a plan with good medical evacuation to the U.S. and avoid unnecessary extras for better pricing.
? Number of travelersFamily or group plans can offer significant savings compared to individual policies for each traveler.Opt for a group or family policy when traveling together to reduce the per-person premium.
⏳ Trip durationThe price often depends on how long you stay in Aruba. Shorter trips usually cost less per day.Purchase a policy matching your exact travel dates instead of a round month for better value.
? Activities coveredAruba offers water sports, hiking, and more. Extra coverage is needed for risky activities.Only add sports or adventure coverage if you know you need it for your planned activities.
?‍? Traveler’s ageOlder travelers are often charged higher rates due to increased health risks.If you are over 62, Heymondo does not increase its prices, which can be helpful for seniors.
? Geographical areaMake sure you are covered only in Aruba if you don’t need worldwide, as broader area coverage costs more.Select Aruba-only or Caribbean plans instead of global policies to keep your premium lower.
? DeductiblePolicies with a higher deductible typically offer lower premiums, but more out-of-pocket costs if you claim.Choose the highest deductible you can afford to lower your upfront insurance cost.
? Level of coverage
Why it matters
Medical care in Aruba is limited and expensive. Higher coverage protects against costly emergencies and evacuation needs.
Expert tip
Select a plan with good medical evacuation to the U.S. and avoid unnecessary extras for better pricing.
? Number of travelers
Why it matters
Family or group plans can offer significant savings compared to individual policies for each traveler.
Expert tip
Opt for a group or family policy when traveling together to reduce the per-person premium.
⏳ Trip duration
Why it matters
The price often depends on how long you stay in Aruba. Shorter trips usually cost less per day.
Expert tip
Purchase a policy matching your exact travel dates instead of a round month for better value.
? Activities covered
Why it matters
Aruba offers water sports, hiking, and more. Extra coverage is needed for risky activities.
Expert tip
Only add sports or adventure coverage if you know you need it for your planned activities.
?‍? Traveler’s age
Why it matters
Older travelers are often charged higher rates due to increased health risks.
Expert tip
If you are over 62, Heymondo does not increase its prices, which can be helpful for seniors.
? Geographical area
Why it matters
Make sure you are covered only in Aruba if you don’t need worldwide, as broader area coverage costs more.
Expert tip
Select Aruba-only or Caribbean plans instead of global policies to keep your premium lower.
? Deductible
Why it matters
Policies with a higher deductible typically offer lower premiums, but more out-of-pocket costs if you claim.
Expert tip
Choose the highest deductible you can afford to lower your upfront insurance cost.
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Important

In Aruba, medical facilities are limited and emergency medical evacuation to the U.S. can cost between $15,000 and $25,000. Always check that your plan includes adequate medical and evacuation coverage for your needs.

Your current insurance coverage in Aruba

It is legitimate to wonder whether your current coverage, such as credit card insurance or your health insurance, can protect you during a trip to Aruba. Unfortunately, this coverage is often limited or insufficient for medical emergencies or travel mishaps abroad. Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceValid in Aruba?What it coversWhy Travel Insurance is better
Public health insuranceNo, neverNo coverage for care, hospitalization, or evacuation outside the U.S.Travel insurance covers $100,000+ in medical and evacuation costs
Private health insuranceYes, partlyMedical emergencies abroad up to $10,000; no trip cancellation/evacuationTravel insurance covers $100,000+ and full evacuation, trip delay
Classic credit card (Visa, Mastercard, Discover)Yes, partlyMedical fees under $5,000, limited baggage or delay coverageTravel insurance covers $100,000+, baggage, and trip interruption
Premium credit card (Chase Sapphire Reserve, Amex Platinum)Yes, partlyMedical up to $50,000, trip delay and baggage loss limitedTravel insurance covers $100,000+, full repatriation, trip cancellation
Comparison of Insurance Coverage in Aruba
Public health insurance
Valid in Aruba?
No, never
What it covers
No coverage for care, hospitalization, or evacuation outside the U.S.
Why Travel Insurance is better
Travel insurance covers $100,000+ in medical and evacuation costs
Private health insurance
Valid in Aruba?
Yes, partly
What it covers
Medical emergencies abroad up to $10,000; no trip cancellation/evacuation
Why Travel Insurance is better
Travel insurance covers $100,000+ and full evacuation, trip delay
Classic credit card (Visa, Mastercard, Discover)
Valid in Aruba?
Yes, partly
What it covers
Medical fees under $5,000, limited baggage or delay coverage
Why Travel Insurance is better
Travel insurance covers $100,000+, baggage, and trip interruption
Premium credit card (Chase Sapphire Reserve, Amex Platinum)
Valid in Aruba?
Yes, partly
What it covers
Medical up to $50,000, trip delay and baggage loss limited
Why Travel Insurance is better
Travel insurance covers $100,000+, full repatriation, trip cancellation
Comparison of Insurance Coverage in Aruba
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Example

While scuba diving in Aruba, Sarah got decompression sickness. The hyperbaric chamber treatment cost $15,000. Her US health plan only covered $1,000 as it was out-of-network, and her Chase Sapphire card's travel insurance didn't apply. She was left with a shocking $14,000 bill for her vacation emergency.

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Expert advice

Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe to a dedicated travel insurance policy.

FAQ

Do I need a visa to travel to Aruba?

U.S. citizens do not need a visa for tourist stays of up to 90 days in Aruba. You must have a valid U.S. passport, a completed ED Card, proof of return or onward travel, and evidence of sufficient funds during your visit. Specific entry requirements can change, so check with the official Aruba tourism or consulate website before departure.

How do I purchase travel insurance for Aruba?

Start by comparing policies using the HelloSafe travel insurance comparison tool for Aruba. Review coverage details carefully, paying attention to the guarantees specific to Aruba, as well as any exclusions. Once you select the policy that meets your needs, you can buy it online. Your insurance certificate will be sent directly to your email.

What medical coverage should my insurance include for Aruba?

Medical care in Aruba is more limited than in the U.S. It is essential that your travel insurance covers at least $100,000 for emergency medical expenses and includes medical evacuation, which can cost $15,000-$25,000 if a serious issue arises. Ensure there is 24/7 assistance in English.

Can I buy travel insurance for Aruba if I already left the U.S.?

Some insurers allow you to purchase travel insurance after you have started your trip, but options may be reduced and coverage can be more limited. It is best to arrange travel insurance before leaving the U.S. for maximum options and full coverage starting at departure.

Are adventure or water sports covered in Aruba travel insurance?

Many policies exclude injuries from adventure or water sports unless you add specific coverage. If you plan on snorkeling, diving, or boating, verify that the insurer covers these activities. You may need to upgrade your plan to receive coverage for higher-risk sports or excursions popular in Aruba.

Do I need a visa to travel to Aruba?

U.S. citizens do not need a visa for tourist stays of up to 90 days in Aruba. You must have a valid U.S. passport, a completed ED Card, proof of return or onward travel, and evidence of sufficient funds during your visit. Specific entry requirements can change, so check with the official Aruba tourism or consulate website before departure.

How do I purchase travel insurance for Aruba?

Start by comparing policies using the HelloSafe travel insurance comparison tool for Aruba. Review coverage details carefully, paying attention to the guarantees specific to Aruba, as well as any exclusions. Once you select the policy that meets your needs, you can buy it online. Your insurance certificate will be sent directly to your email.

What medical coverage should my insurance include for Aruba?

Medical care in Aruba is more limited than in the U.S. It is essential that your travel insurance covers at least $100,000 for emergency medical expenses and includes medical evacuation, which can cost $15,000-$25,000 if a serious issue arises. Ensure there is 24/7 assistance in English.

Can I buy travel insurance for Aruba if I already left the U.S.?

Some insurers allow you to purchase travel insurance after you have started your trip, but options may be reduced and coverage can be more limited. It is best to arrange travel insurance before leaving the U.S. for maximum options and full coverage starting at departure.

Are adventure or water sports covered in Aruba travel insurance?

Many policies exclude injuries from adventure or water sports unless you add specific coverage. If you plan on snorkeling, diving, or boating, verify that the insurer covers these activities. You may need to upgrade your plan to receive coverage for higher-risk sports or excursions popular in Aruba.

A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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