Best Travel Insurance for Belize in 2025: Expert Picks & Tips
- The best travel insurance for Belize
- Travel safety in Belize
- Travel Insurance Requirements for a Visa to Belize
- Why take out travel insurance for Belize?
- The coverage included in travel insurance for Belize
- The cost of travel insurance for Belize
- How to Pay Less for Your Travel Insurance to Belize
- Can I rely on my current insurance to cover me in Belize?
- FAQ
Travel insurance for Belize: key takeaways
1. Definition: Travel insurance for Belize covers medical emergencies, trip cancellation, and other unexpected travel disruptions.
2. Key protection: Insurance is not mandatory but is vital for covering potential medical emergencies and evacuations.
3. Healthcare cost: Private healthcare is available but can be costly, with hospital stays averaging $300-$500 USD per night.
4. Price: A one-week travel insurance policy for Belize typically costs between $30 and $60 USD.
5. Good to know: Ensure your policy covers adventure sports like scuba diving if you plan on such activities.
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 US, our experts share here everything you need to know to choose the best travel insurance for Belize.
The best travel insurance for Belize
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.09M | Our recommendation for safe travel to Belize. - high medical limit - repatriation included - wide coverage scope |
| Cap Assistance 24/24 | $1.09M | A reliable policy for both short and longer stays in Belize. - 24/7 medical helpline - cancellation cover - no deductible |
| Tourist Card | $545k | Practical for tourism and essential needs in Belize. - good medical cover - emergency assistance - competitive price |
| Travel Pass Monde | $763k | Solid support for travelers seeking reassurance in Belize. - repatriation covered - hospital costs included - third-party liability |
| Globe Partner | $327k | Dependable for international stays, with all fundamental protections. - medical care abroad - repatriation - civil liability |
| Globe Traveller | $545k | Suitable for short and lower-risk trips to Belize. - essential medical cover - fast reimbursement - limited ceiling |
- high medical limit
- repatriation included
- wide coverage scope
- 24/7 medical helpline
- cancellation cover
- no deductible
- good medical cover
- emergency assistance
- competitive price
- repatriation covered
- hospital costs included
- third-party liability
- medical care abroad
- repatriation
- civil liability
- essential medical cover
- fast reimbursement
- limited ceiling
Travel safety in Belize
As of June 2025, the US Department of State advises travelers to exercise increased caution when visiting Belize due to persistent risks related to crime and public safety. Belize is not under a general travel ban, but heightened vigilance is highly recommended, especially in major urban areas.
Here are their four main recommendations.
- Security risks: personal safety is a concern throughout Belize, especially in Belize City, where violent crime and armed robbery are frequent. The Southside area poses the highest risk, with incidents often targeting visitors after dark.
- Health risks: Belize is a Zika virus risk area, and mosquito-borne diseases like dengue fever and malaria are also present. Emergency medical services are limited outside major urban centers, making access to prompt care uncertain in remote areas.
- Legal constraints: importing drugs, weapons, or obscenity is strictly prohibited, and violations can result in severe penalties. Always declare currency over BZD 10,000 and follow local customs at border crossings.
- Urban environment: visitors should avoid displaying valuable items or using ATMs in isolated spots, especially at night, to reduce lure for petty crime. Taxi scams and opportunistic thefts have been reported in tourist zones.
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 Belize.
Travel Insurance Requirements for a Visa to Belize
No, travel insurance is not mandatory for travelers from the United States to obtain a visa or to enter Belize for short stays of 30 days or less.
However, travel insurance is strongly recommended due to the risk of violent crime, limited emergency medical services, and the prevalence of tropical diseases such as malaria and dengue fever. A policy covering medical expenses, evacuation, and theft can offer valuable protection and peace of mind during your trip.
According to our data, 80% of travelers purchase travel insurance before going to Belize due to high out-of-pocket healthcare costs and the increased risk of emergency situations in the country.
Why take out travel insurance for Belize?
It is an essential financial and medical protection for anyone going to Belize.
In Belize, emergency services can be delayed or unavailable outside major cities, and foreigners often have to seek care at private clinics such as Belize Medical Associates in Belize City, where costs are high. Public hospitals may lack advanced equipment, and specialized services are limited, especially in rural areas.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in the event of a serious issue.
Here are some examples of healthcare costs in Belize.
| Example of medical treatment | Cost at Belize Medical Associates | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 5,000 BZD (about $2,500) | Up to $100,000 |
| I broke my tibia (X-ray, cast, and crutch rental) | 3,000 BZD (about $1,500) | Up to $100,000 |
| I need to be repatriated | 40,000 BZD (about $20,000) | Up to $100,000 |
| I have appendicitis (consultation and surgery) | 15,000 BZD (about $7,500) | Up to $100,000 |
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.
The coverage included in travel insurance for Belize
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor fees, clinic visits, hospital care, and related costs if you fall ill or are injured. We recommend a minimum limit of $100,000 for medical care in Belize. |
| 🚑 Emergency evacuation | Pays for ambulance or air transport to a hospital or back to the US in a medical emergency. A minimum reimbursement limit of $100,000 is advised. |
| 💊 Medication reimbursement | Refunds the cost of prescribed medicines during your trip if needed after a covered illness or accident. We suggest at least $1,500 in coverage for prescriptions and treatments. |
| 🛫 Trip cancellation | Reimburses prepaid, non-refundable travel expenses if you have to cancel your trip for a covered reason, such as illness. Look for at least $2,000 per person for trip costs. |
| 🎒 Baggage and possessions | Covers lost, stolen, or damaged luggage and valuables, including during transfers and in hotels. Recommended minimum: $1,000 coverage per person for personal belongings. |
| 👨⚖️ Personal liability | Protects if you’re held liable for accidentally injuring someone or damaging property. A limit of at least $50,000 is recommended for personal liability coverage when abroad. |
| 📞 24/7 assistance services | Includes access to emergency help lines, translations, and support in finding medical care. Always select a plan with round-the-clock global assistance. |
| 📆 Trip interruption | Reimburses extra expenses or lost trip days if your stay is cut short by emergency. A recommended minimum of $2,000 per person. |
We recommend a minimum limit of $100,000 for medical care in Belize.
A minimum reimbursement limit of $100,000 is advised.
We suggest at least $1,500 in coverage for prescriptions and treatments.
Look for at least $2,000 per person for trip costs.
Recommended minimum: $1,000 coverage per person for personal belongings.
A limit of at least $50,000 is recommended for personal liability coverage when abroad.
Always select a plan with round-the-clock global assistance.
A recommended minimum of $2,000 per person.
Local insurance or coverage from your bank card often has low coverage limits and many exclusions, so important expenses may go unreimbursed. To travel securely, compare trusted insurers on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Belize
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $35 |
| 2 weeks | 45 years old | $55 |
| 1 month | 35 years old | $78 |
| 1 month | 70 years old | $160 |
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 policy is shaped by several key details. Be sure to consider the traveler's age, the trip's duration and destination, the desired coverage amount, and any optional add-ons like trip cancellation. Keeping these elements in mind is essential to select the right plan for your needs and budget.
💡 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 Belize
Here are some suggestions to optimize the cost of your travel insurance to Belize while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🧍♂️ Traveler's age | Insurance rates increase significantly for older travelers, especially for those over 60 years old. | Compare several insurers and note that Heymondo does not increase its prices for people over 62. |
| 🌎 Trip duration | Longer stays result in higher premiums as the risk for the insurer grows with time spent abroad. | Insure only the necessary travel days instead of rounding up to full weeks or months. |
| 🏥 Level of coverage | High medical limits are essential in Belize due to limited facilities and possible costly evacuation. | Choose a plan with enough medical coverage, but avoid over-insuring non-essential guarantees. |
| 🧳 Deductible level | A higher deductible often lowers the insurance premium, but you must be able to pay it if needed. | Opt for a reasonable deductible to balance affordable premiums with manageable out-of-pocket costs. |
| 🧑🤝🧑 Group/family policies | Insuring several travelers together sometimes offers discounts over individual plans. | Check if a group or family plan offers a better rate than buying single contracts. |
| 🏡 Destination area | Certain areas in Belize may have higher risks, such as Belize City, impacting the price. | Avoid high-risk zones whenever possible, as staying in safer areas can reduce your premium. |
| 🚴♂️ Activities planned | Adventure sports or risky activities can push up the premium or require add-ons. | Declare only planned activities to avoid paying extra for unused coverage. |
Good to know
Signing up for a policy as soon as you book your trip to Belize helps secure lower rates and guarantees access to more plan options.
Can I rely on my current insurance to cover me in Belize?
It’s normal to wonder if your existing coverage—such as credit card insurance or your private or public health plan—will protect you for a trip to Belize. Unfortunately, this protection is often limited or insufficient for travel outside the US.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Belize? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage abroad, not valid for expenses in Belize. | Travel insurance covers $100,000+ in medical care and repatriation. |
| Private health insurance | Yes, partly | Emergency coverage may exist but with high deductibles, medical limits under $10,000, no repatriation. | Travel insurance covers $100,000+, evacuation, and on-the-spot support. |
| Classic credit card (Visa, Mastercard, Discover) | Yes, partly | Medical fees up to $2,500–$5,000, excludes trip cancellation, no cover for risky activities. | Travel insurance includes $100,000+ in care, 24/7 assistance, luggage protection. |
| Premium credit card (Chase Sapphire Preferred, Amex Gold, Citi Premier) | Yes, partly | Medical fees up to $25,000–$50,000, limited baggage or trip delay cover, exclusions apply. | Travel insurance offers $100,000+ in expenses, non-stop support, and full repatriation. |
Example
While scuba diving in Belize, Sarah suffered decompression sickness. The emergency air ambulance and hyperbaric chamber treatment cost $25,000. Her Chase Sapphire card's insurance had a low cap, and her US health plan didn't cover foreign medical transport, leaving her with a shocking $22,000 bill for her dream vacation.
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 a dedicated travel insurance tailored to the trip.
FAQ
Do I need a visa to travel to Belize?
U.S. citizens do not need a visa to visit Belize for tourist stays of up to 30 days. You must hold a passport valid for your entire stay, show proof of onward or return travel, and demonstrate sufficient funds to cover your visit.
How do I purchase travel insurance for Belize?
To purchase travel insurance for Belize, first compare plans using the HelloSafe travel insurance comparison tool. Carefully review each policy’s coverage and exclusions, making sure they fit specific needs for Belize. Buy your selected plan securely online. You will then receive your insurance certificate by email.
What types of incidents does travel insurance typically cover in Belize?
Travel insurance for Belize commonly covers unexpected medical expenses, trip cancellations or interruptions, lost luggage, and emergency evacuation. These protections are important due to limited medical facilities and higher risk of delays or theft. Always check policy wording for specific inclusions and limits.
Is medical evacuation included in Belize travel insurance policies?
Most comprehensive travel insurance for Belize includes coverage for medical evacuation. This can be essential if you require urgent transfer to a higher-standard hospital or back to the US, as local capacity may be limited. Confirm the evacuation coverage amount, which often ranges from $25,000 to $100,000.
Can I purchase travel insurance after arriving in Belize?
Many insurers require you to purchase travel insurance before departing the United States. Some international providers allow you to buy coverage after arrival, but options may be more limited and certain benefits might not apply. For maximum protection, secure insurance before your trip begins.
Does travel insurance cover adventure activities in Belize?
Standard travel insurance does not always include coverage for adventure sports such as scuba diving, snorkeling, or jungle trekking. If you plan to participate in these activities in Belize, make sure your policy includes specific coverage for them. Always check exclusions before confirming your plan.
Do I need a visa to travel to Belize?
U.S. citizens do not need a visa to visit Belize for tourist stays of up to 30 days. You must hold a passport valid for your entire stay, show proof of onward or return travel, and demonstrate sufficient funds to cover your visit.
How do I purchase travel insurance for Belize?
To purchase travel insurance for Belize, first compare plans using the HelloSafe travel insurance comparison tool. Carefully review each policy’s coverage and exclusions, making sure they fit specific needs for Belize. Buy your selected plan securely online. You will then receive your insurance certificate by email.
What types of incidents does travel insurance typically cover in Belize?
Travel insurance for Belize commonly covers unexpected medical expenses, trip cancellations or interruptions, lost luggage, and emergency evacuation. These protections are important due to limited medical facilities and higher risk of delays or theft. Always check policy wording for specific inclusions and limits.
Is medical evacuation included in Belize travel insurance policies?
Most comprehensive travel insurance for Belize includes coverage for medical evacuation. This can be essential if you require urgent transfer to a higher-standard hospital or back to the US, as local capacity may be limited. Confirm the evacuation coverage amount, which often ranges from $25,000 to $100,000.
Can I purchase travel insurance after arriving in Belize?
Many insurers require you to purchase travel insurance before departing the United States. Some international providers allow you to buy coverage after arrival, but options may be more limited and certain benefits might not apply. For maximum protection, secure insurance before your trip begins.
Does travel insurance cover adventure activities in Belize?
Standard travel insurance does not always include coverage for adventure sports such as scuba diving, snorkeling, or jungle trekking. If you plan to participate in these activities in Belize, make sure your policy includes specific coverage for them. Always check exclusions before confirming your plan.
