Best Travel Insurance for Bermuda in 2025
- The best travel insurance plans for Bermuda
- Is it currently safe to travel to Bermuda?
- Travel insurance requirements to enter Bermuda
- Why take out travel insurance for Bermuda?
- What travel insurance for Bermuda should cover
- The cost of travel insurance for Bermuda
- How can you pay less for your travel insurance to Bermuda?
- Can I rely on my current insurance to cover me in Bermuda?
- FAQ
Travel insurance for Bermuda: key takeaways
1. Definition: Travel insurance for Bermuda covers medical emergencies, trip cancellation, and other unforeseen travel disruptions.
2. Key protection: Travel insurance is not mandatory but is highly recommended for travel to Bermuda from the US.
3. Healthcare cost: Healthcare in Bermuda is excellent but very expensive, costing over $1,000 USD per hospital night.
4. Price: A one-week travel insurance policy for Bermuda typically costs between $30 and $60 USD.
5. Good to know: Most US health insurance plans, including Medicare, are not accepted for payment in Bermuda.
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 Bermuda.
The best travel insurance plans for Bermuda
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Top-level insurance for Bermuda. - very high medical limit - repatriation included - reliable support |
| Cap Assistance 24/24 | $1.1M | A flexible, strong contract for travelers. - 24/7 emergency line - cancellation cover - easy terms |
| Tourist Card | $550k | Good for tourism with core protection. - substantial medical cover - emergency assistance - fair pricing |
| Travel Pass Monde | $770k | Balanced policy for those seeking safe travel. - includes repatriation - covers hospitalization - global support |
| Globe Partner | $330k | Essential guarantees for Bermuda trips. - medical care abroad - includes repatriation - liability included |
| Globe Traveller | $550k | Simple, efficient cover suitable for short stays. - essential medical support - fast claims - capped ceiling |
- very high medical limit
- repatriation included
- reliable support
- 24/7 emergency line
- cancellation cover
- easy terms
- substantial medical cover
- emergency assistance
- fair pricing
- includes repatriation
- covers hospitalization
- global support
- medical care abroad
- includes repatriation
- liability included
- essential medical support
- fast claims
- capped ceiling
Is it currently safe to travel to Bermuda?
As of June 2025, the US Department of State advises that Bermuda requires only normal precautions for travelers from the United States, with no restrictions in place.
Here are their four main recommendations.
- Security risks: petty theft and opportunistic crime can occur, especially after dark or in isolated areas. Hamilton city center and deserted beaches may present higher risks for theft or assault at night.
- Health risks: no specific vaccinations are required, but medical care is costly. Serious illness or injury often requires medical evacuation to the United States, and local hospital stays can quickly become expensive.
- Legal constraints: strictly enforced laws prohibit import of firearms, ammunition, or weapon components. Travelers found with such items face possible arrest and lengthy prison sentences.
- Environmental hazards: road safety is a consistent concern for visitors, especially when renting motorbikes or electric mini cars. Unfamiliar road conditions and local driving customs lead to frequent accidents.
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 Bermuda.
Travel insurance requirements to enter Bermuda
No, travel insurance is not legally mandatory for travelers from the US to enter Bermuda.
However, it is strongly recommended because medical care in Bermuda is very costly, especially for non-residents. Emergency medical treatment or medical evacuation to the US may result in substantial out-of-pocket expenses, which travel insurance can help cover.
According to our data, 80% of travelers purchase travel insurance before going to Bermuda. This high rate is linked to the potential burden of expensive healthcare and the lack of public health entitlements for visitors.
Why take out travel insurance for Bermuda?
It is an essential financial and medical protection for anyone going to Bermuda.
Medical care in Bermuda is provided primarily by private facilities such as King Edward VII Memorial Hospital in Hamilton, and treatment costs are generally very high. Foreign visitors are required to pay in full for services including emergency care, surgery, or even standard outpatient visits. Serious conditions may require medical evacuation by air ambulance to the US, often resulting in particularly high costs.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in case of a serious incident.
Here are some examples of healthcare costs in Bermuda.
| Example of medical treatment | Cost at King Edward VII Memorial Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 5,000 BMD (approx. $5,000) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 3,500 BMD (approx. $3,500) | up to 100% |
| I need to be repatriated | 25,000 BMD (approx. $25,000) | up to 100% |
| I have appendicitis (consultation and surgery) | 14,000 BMD (approx. $14,000) | 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 travel insurance for Bermuda should cover
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor visits, hospital stays, and treatment during your stay in Bermuda. For Bermuda, a reimbursement limit of at least $200,000 is advised. |
| 🚑 Medical evacuation & repatriation | Pays for an air ambulance or medical transfer to the US in a critical situation. Minimum recommended limit: $250,000. |
| ✈️ Trip cancellation or interruption | Returns non-refundable travel costs if you cancel or cut your trip short for specific reasons. Recommended limit: $5,000. |
| 💼 Baggage & personal items | Compensation for lost, stolen, or damaged luggage or valuables. Recommended coverage: $1,500 per person. |
| 🕳 Personal liability | Pays if you accidentally injure someone or damage property. At least $100,000 in liability coverage is suggested. |
| 🦷 Emergency dental care | Provides urgent dental treatment for pain or accidents. Recommended limit: $500. |
| 📞 24/7 assistance services | Offers emergency support, referrals, and help with lost documents. Ensure round-the-clock assistance is included. |
For Bermuda, a reimbursement limit of at least $200,000 is advised.
Minimum recommended limit: $250,000.
Recommended limit: $5,000.
Recommended coverage: $1,500 per person.
At least $100,000 in liability coverage is suggested.
Recommended limit: $500.
Ensure round-the-clock assistance is included.
Travel insurance from local providers or bank cards often has limited protection, low benefit limits, and multiple exclusions. You are safer choosing a reputable insurer with broad coverage. Compare top options on HelloSafe and subscribe online for instant proof of coverage.
The cost of travel insurance for Bermuda
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $30 |
| 2 weeks | 45 years old | $54 |
| 1 month | 35 years old | $78 |
| 1 month | 70 years old | $170 |
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 traveller’s age, trip duration, destination, coverage limits, and options such as trip cancellation. Riskier countries or longer stays usually cost more. It’s important to keep these in mind to choose the right policy at the right price and avoid unpleasant surprises during your trip.
💡 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 can you pay less for your travel insurance to Bermuda?
Here are some suggestions to optimize the cost of your travel insurance to Bermuda while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 📝 Level of coverage | High medical costs and possible evacuation from Bermuda make adequate coverage important. | Choose basic medical and evacuation coverage that matches Bermuda’s needs and avoid costly extras that are unlikely to be needed. |
| 🗓️ Duration of trip | Insurance is priced by travel days, so extra days beyond your actual plans increase the price. | Insure only for your actual stay and avoid padding the policy with extra days before or after your trip. |
| 👨👧👦 Number of travelers | Group or family plans often have lower rates per person and simpler management. | Opt for a family or group policy if traveling with others, and compare prices per person with individual policies. |
| 🌎 Area of coverage | Some plans cover more regions than needed and Bermuda-only or Caribbean plans are usually less expensive. | Select a Caribbean or single-country plan rather than worldwide coverage if you only visit Bermuda. |
| 💼 Baggage insurance | Theft is uncommon, but baggage loss can still occur, especially during air travel. | Choose the minimum coverage required for your personal items, and insure only especially valuable items if truly needed. |
| 👴 Traveller's age | Premiums increase with age, but with Heymondo, prices do not go up for those over 62. | Compare age-based rates and consider insurers, like Heymondo, that do not increase prices for travelers older than 62. |
Can I rely on my current insurance to cover me in Bermuda?
It’s completely legitimate to wonder whether your existing coverage, such as public or private health insurance, or credit card insurance, can protect you during a trip to Bermuda. Unfortunately, this coverage is often limited or insufficient for international travel, mainly due to low maximums or exclusions for evacuation and medical care abroad.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Bermuda? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage outside the US. No evacuation or local medical expenses. | Travel insurance covers up to $500,000 for medical care and repatriation. |
| Private health insurance (Aetna, Blue Cross Blue Shield) | Yes, partly | Emergency care outside US, often capped at $50,000. No evacuation. | Travel insurance covers up to $500,000 and includes evacuation and 24/7 support. |
| Classic credit card (Chase Freedom, Citi Custom Cash, Wells Fargo Active Cash) | Yes, partly | Medical coverage under $10,000 per trip. No evacuation. May cover flight delay only. | Travel insurance covers $100,000+ plus baggage and evacuation. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Capital One Venture X) | Yes, partly | Medical coverage up to $100,000. Limited or no evacuation and minimal trip interruption cover. | Travel insurance offers $500,000 medical, $5,000+ cancelation and full evacuation care. |
Example
While scuba diving in Bermuda, Sarah got decompression sickness. The necessary hyperbaric chamber treatment cost $10,000. Her US health plan offered no coverage abroad, and her Chase Sapphire Reserve card’s insurance had a $2,500 limit, leaving her to pay the remaining $7,500 out-of-pocket for her vacation emergency.
Expert advice
Always check your existing insurance's terms, exclusions, and limits. Essential situations, like trip interruption due to a relative’s illness, might be excluded. Read the conditions carefully to avoid 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 Bermuda?
No, U.S. citizens do not need a visa to visit Bermuda for tourism or business stays of up to 180 days. You must have a valid passport and a return or onward ticket.
How do I purchase travel insurance for Bermuda?
Start by comparing travel insurance options using the HelloSafe travel insurance comparison tool. Review the coverage details and exclusions, paying special attention to emergency medical care and evacuation, as healthcare in Bermuda can be costly. Choose and purchase your preferred policy online. Once the purchase is complete, you will receive a certificate of insurance by email.
Is healthcare expensive in Bermuda for tourists?
Yes, healthcare costs in Bermuda are among the highest in the region. Even routine procedures can be expensive, and serious conditions often require evacuation to the U.S., which can cost tens of thousands of dollars.
What should my travel insurance cover for Bermuda?
Your travel insurance should cover medical expenses, emergency medical evacuation, trip cancellation, lost luggage, and personal liability. Since medical care is costly and evacuation may be necessary, make sure those guarantees have high limits.
Are there any risks I should know about when visiting Bermuda?
While Bermuda is generally safe, petty theft can occur, especially at night or in remote areas. There is also a risk of accidents when renting scooters or mini cars because of unfamiliar road conditions. Always take normal precautions and secure valuables.
How quickly can I get proof of insurance after buying a policy?
After completing your purchase online, proof of insurance is typically sent to your email within minutes. You can print or save it on your phone to present when needed during your trip.
Do I need a visa to travel to Bermuda?
No, U.S. citizens do not need a visa to visit Bermuda for tourism or business stays of up to 180 days. You must have a valid passport and a return or onward ticket.
How do I purchase travel insurance for Bermuda?
Start by comparing travel insurance options using the HelloSafe travel insurance comparison tool. Review the coverage details and exclusions, paying special attention to emergency medical care and evacuation, as healthcare in Bermuda can be costly. Choose and purchase your preferred policy online. Once the purchase is complete, you will receive a certificate of insurance by email.
Is healthcare expensive in Bermuda for tourists?
Yes, healthcare costs in Bermuda are among the highest in the region. Even routine procedures can be expensive, and serious conditions often require evacuation to the U.S., which can cost tens of thousands of dollars.
What should my travel insurance cover for Bermuda?
Your travel insurance should cover medical expenses, emergency medical evacuation, trip cancellation, lost luggage, and personal liability. Since medical care is costly and evacuation may be necessary, make sure those guarantees have high limits.
Are there any risks I should know about when visiting Bermuda?
While Bermuda is generally safe, petty theft can occur, especially at night or in remote areas. There is also a risk of accidents when renting scooters or mini cars because of unfamiliar road conditions. Always take normal precautions and secure valuables.
How quickly can I get proof of insurance after buying a policy?
After completing your purchase online, proof of insurance is typically sent to your email within minutes. You can print or save it on your phone to present when needed during your trip.
