- 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
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.
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 recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1,000,000 | Strong coverage for trips to Aruba. - high medical limit - worldwide assistance - repatriation included |
| Cap Assistance 24/24 | $1,000,000 | A solid option for short stays and emergencies. - 24/7 medical helpline - no deductible - cancellation benefits |
| Tourist Card | $500,000 | Practical for leisure travel in Aruba. - solid core medical cover - emergency assistance - simple claims process |
| Travel Pass Monde | $700,000 | Balanced and flexible for longer trips. - repatriation cover - hospital and medical expenses - wide territorial scope |
| Globe Partner | $300,000 | Good for international stays with key essentials. - basic medical care - repatriation - liability coverage |
| Globe Traveller | $500,000 | Affordable solution for safe, short trips. - essential medical reimbursement - quick reimbursements - suited for low-risk travel |
- high medical limit
- worldwide assistance
- repatriation included
- 24/7 medical helpline
- no deductible
- cancellation benefits
- solid core medical cover
- emergency assistance
- simple claims process
- repatriation cover
- hospital and medical expenses
- wide territorial scope
- basic medical care
- repatriation
- liability coverage
- essential medical reimbursement
- quick reimbursements
- suited for low-risk travel
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 treatment | Cost at Dr. Horacio E. Oduber Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | AWG 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 repatriated | AWG 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 |
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 coverages | Explanations and recommendations |
|---|---|
| ? Medical expenses | 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 | 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 | 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 | 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 | 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 | 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 | 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 | 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. |
We recommend a reimbursement limit of at least $100,000 due to limited facilities and expensive private care.
For Aruba, select coverage up to $5,000–$10,000 to match your total travel investment.
Choose a limit of at least $1,500–$2,500 to cover electronics and essentials.
Strongly recommended minimum coverage is $100,000 to match potential costs of evacuation from Aruba to the US.
Opt for coverage of at least $100,000 to ensure peace of mind during your stay.
Consider a policy that clearly covers pandemic-related expenses with a limit of $5,000–$10,000.
Aim for at least $25,000 if you plan to drive on the island.
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 duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $22 |
| 2 weeks | 45 years old | $38 |
| 1 month | 35 years old | $61 |
| 1 month | 70 years old | $145 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
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 compareHow 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:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| ? Level of coverage | Medical 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 travelers | Family 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 duration | The 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 covered | Aruba 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 age | Older 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 area | Make 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. |
| ? Deductible | Policies 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. |
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 insurance | Valid in Aruba? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance | No, never | No coverage for care, hospitalization, or evacuation outside the U.S. | Travel insurance covers $100,000+ in medical and evacuation costs |
| Private health insurance | Yes, partly | Medical emergencies abroad up to $10,000; no trip cancellation/evacuation | Travel insurance covers $100,000+ and full evacuation, trip delay |
| Classic credit card (Visa, Mastercard, Discover) | Yes, partly | Medical fees under $5,000, limited baggage or delay coverage | Travel insurance covers $100,000+, baggage, and trip interruption |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum) | Yes, partly | Medical up to $50,000, trip delay and baggage loss limited | Travel insurance covers $100,000+, full repatriation, trip cancellation |
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.
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.
