Best Travel Insurance Options for Bahamas in 2025
- The best travel insurances for the Bahamas
- Is it currently safe to travel to the Bahamas?
- Is travel insurance required for a Bahamas visa?
- Why You Need Travel Insurance for the Bahamas
- Travel Insurance Coverage for the Bahamas
- The cost of travel insurance for the Bahamas
- Paying Less for Travel Insurance to the Bahamas
- Will my current insurance cover me in the Bahamas?
- FAQ
Travel insurance for Bahamas: key takeaways
1. Definition: Travel insurance for Bahamas covers emergencies like medical costs, evacuation, trip cancellation, and personal liability.
2. Key protection: Travel insurance is not mandatory for US citizens, but it is highly recommended for unexpected costs or emergencies.
3. Healthcare cost: Healthcare in Bahamas can be expensive; a one-night hospital stay may exceed $500 for foreign visitors.
4. Price: A one-week Bahamas travel insurance policy typically costs between $30 and $60 per person from the US.
5. Good to know: Some activities, like water sports, may require additional coverage not included in standard travel insurance policies.
Why trust HelloSafe?
HelloSafe is an international expert in travel insurance comparison, guiding over one million travelers each month. After reviewing 41 travel insurance policies available in the US, our specialists provide you here with everything you need to know to choose the best travel insurance for the Bahamas.
The best travel insurances for the Bahamas
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | 1.0M USD | Reliable for Bahamas stays. Broad limits and strong medical guarantees. - high medical ceiling - evacuation included - modern, clear coverage |
| Cap Assistance 24/24 | 1.0M USD | Flexible for short or family trips. Quick support at any hour. - 24/7 helpline - cancellation option - no deductible |
| Tourist Card | 0.5M USD | Balanced policy well-suited for tourism and cruises. - solid medical cover - emergency support - competitive price |
| Travel Pass Monde | 0.7M USD | Appropriate for more frequent travelers in Bahamas. - evacuation covered - hospital costs included - broad territorial scope |
| Globe Partner | 0.3M USD | Essential protection for short or budget trips. - overseas medical - repatriation - civil liability |
| Globe Traveller | 0.5M USD | Accessible for low-risk or short-term stays. - essential medical protection - fast reimbursement - limited ceiling |
- high medical ceiling
- evacuation included
- modern, clear coverage
- 24/7 helpline
- cancellation option
- no deductible
- solid medical cover
- emergency support
- competitive price
- evacuation covered
- hospital costs included
- broad territorial scope
- overseas medical
- repatriation
- civil liability
- essential medical protection
- fast reimbursement
- limited ceiling
Is it currently safe to travel to the Bahamas?
As of June 2025, the U.S. Department of State advises travelers to exercise increased caution in the Bahamas, citing security and health risks that warrant special vigilance. The country is not subject to an official travel warning, but certain areas and activities require particular attention.
Here are their four main recommendations.
- Security risks: violent crime, including armed robbery and sexual assault, has been reported in Nassau and Freeport. Travelers should avoid the "Over the Hill" district in Nassau south of Shirley Street, where gang-related incidents occur.
- Health risks: no specific vaccines are required, but advanced medical care may be limited. Serious injuries often necessitate air evacuation from islands like Eleuthera or the Exumas to facilities in the United States.
- Legal constraints: possession of firearms or ammunition, even in small quantities, is strictly illegal and may result in arrest and detention. Travelers should carefully check their luggage before departure.
- Water safety: swimming incidents and accidents involving jet skis remain frequent. U.S. government personnel are prohibited from using independent jet ski operators in Nassau due to past safety violations.
Although not required, travel insurance is strongly recommended by the U.S. Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Bahamas.
Is travel insurance required for a Bahamas visa?
No, travel insurance is not mandatory for U.S. citizens to obtain a visa or enter the Bahamas.
However, travel insurance is strongly recommended due to the high cost of medical care and the possibility of needing medical evacuation in case of serious illness or accident. Specifically, private clinics in locations like Nassau or Freeport may require advance payment, and medical evacuation to the United States can be extremely expensive.
According to our data, 80% of travelers purchase travel insurance before going to the Bahamas. This is mainly due to the significant costs associated with unexpected medical treatment and evacuation.
Why You Need Travel Insurance for the Bahamas
It is an essential financial and medical protection for anyone going to Bahamas.
In the Bahamas, foreigners are most often treated at private clinics such as Doctor’s Hospital in Nassau, where prices can be high and upfront payment is usually required. Public hospitals outside major islands may have limited resources, and for serious incidents, medical evacuation to the US is frequently necessary, which leads to significant expenses.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in case of a major problem.
Here are some examples of healthcare costs in Bahamas.
| Example of medical treatment | Cost at Doctor’s Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 2,600 BSD (2,600 USD) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 1,800 BSD (1,800 USD) | up to 100% |
| I need to be repatriated | 18,000 BSD (18,000 USD) | up to 100% |
| I have appendicitis (consultation and surgery) | 11,000 BSD (11,000 USD) | 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.
Travel Insurance Coverage for the Bahamas
Here is a summary table of the main coverages you should look for in a travel insurance policy for Bahamas.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor visits, hospital stays, treatments, and medications. We recommend a limit of at least 100,000 USD. |
| 🚑 Medical evacuation | Pays for transport to a hospital or to the US if local care is insufficient. We recommend a limit of 200,000 USD. |
| ✈️ Trip cancellation | Refunds non-refundable expenses if illness, injury, or another covered event forces you to cancel. We recommend a limit of 5,000 USD. |
| 🧳 Baggage loss/theft | Compensation if your baggage or valuables are stolen or lost during your trip. We recommend a limit of 1,500 USD. |
| 💼 Personal liability | Covers the cost if you unintentionally damage property or injure someone else. We recommend a limit of 50,000 USD. |
| 🌊 Water sports incident | Covers injuries from water activities common in Bahamas, like snorkeling or jet skiing. We recommend a limit of 100,000 USD. |
| 📞 24/7 assistance | Access to emergency help and support at any time. We recommend unlimited support with multilingual operators. |
We recommend a limit of at least 100,000 USD.
We recommend a limit of 200,000 USD.
We recommend a limit of 5,000 USD.
We recommend a limit of 1,500 USD.
We recommend a limit of 50,000 USD.
We recommend a limit of 100,000 USD.
We recommend unlimited support with multilingual operators.
Travel insurance from local providers or bank cards generally offers limited protections, with low reimbursement ceilings and many exclusions. It is safer to select a reputable insurer with full coverage. Compare options on HelloSafe and subscribe online for immediate certification.
The cost of travel insurance for the Bahamas
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | 30 USD |
| 2 weeks | 45 years old | 45 USD |
| 1 month | 35 years old | 70 USD |
| 1 month | 70 years old | 150 USD |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
Good to know
The price of travel insurance depends on several factors: the traveler’s age, length of the trip, destination, coverage amount, and cancellation options. Your choice of coverage and personal variables can significantly affect the cost. Remember to keep these in mind when selecting your plan to ensure the best fit and to avoid unexpected expenses during your travels.
Paying Less for Travel Insurance to the Bahamas
Here are some suggestions to optimize the cost of your travel insurance to Bahamas while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 📅 Trip duration | Insurance cost increases with longer trips. Shorter stays in Bahamas help limit your overall premium. | Choose coverage for the exact length of your stay to avoid paying for unnecessary days. |
| 🧑🤝🧑 Number of travelers | Group policy discounts can save money, especially for families or group travel to Bahamas. | Opt for family or group policies if traveling together for possible lower rates per person. |
| 🏨 Level of coverage | Selecting only necessary benefits for your trip to Bahamas avoids overpaying for extras you may not use. | Match coverage limits to typical local costs—medical evacuation matters here, but luggage coverage can stay modest. |
| 🤿 Activities covered | Bahamas is known for water sports. Specific coverage for these can be costly, but not all travelers require it. | Review your planned activities and opt out of unnecessary high-risk sports coverage if you won't participate. |
| 📍 Destination region | Costs can differ between New Providence and the Out Islands, where medical care is scarcer, impacting emergency coverage. | Specify exactly where you'll visit within Bahamas, as some insurers offer regional pricing adjustments. |
| 🎂 Traveler’s age | Insurance rates generally rise with age, but some providers keep prices steady. | Note that Heymondo does not increase its prices for people over 62—compare prices if you are a senior traveler. |
| 📦 Deductibles | Higher deductibles can significantly reduce your premium, but increase your out-of-pocket cost when filing a claim. | Choose a deductible you’re comfortable with to reduce premiums, especially if you expect minimal claims. |
Will my current insurance cover me in the Bahamas?
It is completely legitimate to wonder whether your existing coverage, such as credit card insurance or your health insurance plan, can protect you during a trip to the Bahamas. Unfortunately, this coverage is often very limited or insufficient for medical or emergency costs abroad.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Bahamas? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage outside the US, except in rare emergency cases near US borders | Travel insurance covers medical expenses in Bahamas up to 100,000 USD or more. |
| Private health insurance (Aetna, UnitedHealthcare, Cigna) | Yes, partly | Emergency care abroad, usually with high deductible or up to 50,000 USD, no repatriation | Travel insurance offers higher limits and guaranteed repatriation. |
| Classic credit card (Chase Freedom, Capital One Platinum, Citi Simplicity) | Yes, partly | Emergency medical under 10,000 USD, rarely includes trip delays, no baggage or evacuation | Travel insurance covers major claims, baggage loss, delays, and medical evacuation. |
| Premium credit card (Chase Sapphire Preferred, Amex Gold, Citi Premier) | Yes, partly | Medical up to 100,000 USD, some trip cancellation or delay, limited baggage compensation | Travel insurance covers higher amounts and adds 24/7 support and full evacuation cover. |
Example
On vacation in the Bahamas, Amy contracted severe food poisoning and needed emergency hospitalization. The bill came to $12,000. Her Chase Sapphire Preferred card only reimbursed $500, and her US health insurance covered nothing abroad. Amy was forced to pay $11,500 out of pocket—a costly lesson in the limits of standard coverage overseas.
Expert advice
Always review your insurance policy’s terms, exclusions, and limits before traveling. Essential events—like trip interruption due to a relative’s illness or death—can be excluded, leading to costly surprises. Read every condition thoroughly. Ultimately, purchasing a dedicated travel insurance plan tailored to your trip is the safest and most reassuring choice for U.S. travelers.
FAQ
Do I need a visa to travel to Bahamas?
No visa is required for U.S. citizens traveling to the Bahamas for tourism if your stay does not exceed 90 days. A valid U.S. passport is necessary, with at least two blank pages for an entry stamp, and your passport should cover the entire duration of your visit.
How do I purchase travel insurance for Bahamas?
First, use the HelloSafe travel insurance comparison tool to compare offers and options best suited for your trip. Next, review available guarantees and exclusions for Bahamas—pay attention to emergency medical, evacuation, water sports risks, and theft. Then, select and purchase your plan online. Finally, your certificate is sent by email and can be printed for your records.
What medical coverage should I consider for a trip to Bahamas?
When traveling to the Bahamas, choose coverage that includes hospitalization, outpatient care, and especially emergency medical evacuation. Local facilities are limited, so air evacuation to the U.S. might be needed. Many experts recommend at least $100,000 in emergency medical coverage.
Does travel insurance for Bahamas cover water sports and activities?
Standard policies may exclude certain water sports or have restrictions, especially for higher-risk activities like jet skiing or scuba diving. Check the terms carefully, and if you plan such activities, choose a policy that specifically includes them with sufficient limits.
What should I do if I lose my baggage in Bahamas?
If your baggage is lost, immediately notify your airline or transport provider and file a formal report. Then contact your insurer and provide them with the report, receipts, and your travel insurance certificate. Baggage coverage amounts and procedures may vary, but most policies offer compensation for loss, theft, or severe damage.
Are there exclusions I should be aware of for travel insurance in Bahamas?
Yes, most policies exclude pre-existing medical conditions, accidents from risky sports not listed in the contract, incidents involving alcohol or drugs, and theft without police reports. Read your policy documents carefully so you know exactly what is covered and excluded before your trip.
Do I need a visa to travel to Bahamas?
No visa is required for U.S. citizens traveling to the Bahamas for tourism if your stay does not exceed 90 days. A valid U.S. passport is necessary, with at least two blank pages for an entry stamp, and your passport should cover the entire duration of your visit.
How do I purchase travel insurance for Bahamas?
First, use the HelloSafe travel insurance comparison tool to compare offers and options best suited for your trip. Next, review available guarantees and exclusions for Bahamas—pay attention to emergency medical, evacuation, water sports risks, and theft. Then, select and purchase your plan online. Finally, your certificate is sent by email and can be printed for your records.
What medical coverage should I consider for a trip to Bahamas?
When traveling to the Bahamas, choose coverage that includes hospitalization, outpatient care, and especially emergency medical evacuation. Local facilities are limited, so air evacuation to the U.S. might be needed. Many experts recommend at least $100,000 in emergency medical coverage.
Does travel insurance for Bahamas cover water sports and activities?
Standard policies may exclude certain water sports or have restrictions, especially for higher-risk activities like jet skiing or scuba diving. Check the terms carefully, and if you plan such activities, choose a policy that specifically includes them with sufficient limits.
What should I do if I lose my baggage in Bahamas?
If your baggage is lost, immediately notify your airline or transport provider and file a formal report. Then contact your insurer and provide them with the report, receipts, and your travel insurance certificate. Baggage coverage amounts and procedures may vary, but most policies offer compensation for loss, theft, or severe damage.
Are there exclusions I should be aware of for travel insurance in Bahamas?
Yes, most policies exclude pre-existing medical conditions, accidents from risky sports not listed in the contract, incidents involving alcohol or drugs, and theft without police reports. Read your policy documents carefully so you know exactly what is covered and excluded before your trip.
