British Virgin Islands

The Best Travel Insurance Plans for British Virgin Islands in 2025

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A. Fruchard
A. Fruchard updated on July 16, 2025
Table of Contents
  • The best travel insurance plans for British Virgin Islands
  • Is it currently safe to travel to the British Virgin Islands?
  • Travel Insurance Requirements for British Virgin Islands
  • Why take out travel insurance for British Virgin Islands?
  • What travel insurance for the British Virgin Islands should cover
  • What is the cost of travel insurance for the British Virgin Islands?
  • How to pay less for travel insurance to British Virgin Islands
  • Can you rely on your current insurance to cover you in British Virgin Islands?
  • FAQ
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Travel insurance for British Virgin Islands: key takeaways

1. Definition: Travel insurance for the BVI covers medical emergencies, trip cancellation, and lost personal belongings.
2. Key protection: Travel insurance is not mandatory but recommended due to high potential medical and evacuation costs.
3. Healthcare cost: Healthcare is expensive; a hospital stay can cost over $1,000 per night for foreign visitors.
4. Price: A one-week travel insurance plan for the British Virgin Islands typically costs between $30 and $60.
5. Good to know: Ensure your policy includes medical evacuation, as serious cases often require airlift to the US.

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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 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for the British Virgin Islands.

The best travel insurance plans for British Virgin Islands

Contract we recommendMedical reimbursement limitOur view
HelloTravel Premium$1.1MA preferred choice for British Virgin Islands travelers.
- very high medical coverage
- repatriation included
- flexible options
Cap Assistance 24/24$1.1MReliable for short trips with robust protection.
- 24/7 medical helpline
- cancellation coverage
- no deductible
Tourist Card$550kPractical for tourism with core protection.
- solid medical cover
- emergency assistance
- competitive rates
Travel Pass Monde$770kWell-suited for varied travel needs.
- repatriation included
- hospital and evacuation cover
- wide international assistance
Globe Partner$330kGood for basic coverage abroad.
- medical care included
- repatriation
- civil liability protection
Globe Traveller$550kSuitable for short and low-risk trips.
- essential medical cover
- fast claim process
- lower coverage ceiling
HelloTravel Premium
Medical reimbursement limit
$1.1M
Our view
A preferred choice for British Virgin Islands travelers.
- very high medical coverage
- repatriation included
- flexible options
Cap Assistance 24/24
Medical reimbursement limit
$1.1M
Our view
Reliable for short trips with robust protection.
- 24/7 medical helpline
- cancellation coverage
- no deductible
Tourist Card
Medical reimbursement limit
$550k
Our view
Practical for tourism with core protection.
- solid medical cover
- emergency assistance
- competitive rates
Travel Pass Monde
Medical reimbursement limit
$770k
Our view
Well-suited for varied travel needs.
- repatriation included
- hospital and evacuation cover
- wide international assistance
Globe Partner
Medical reimbursement limit
$330k
Our view
Good for basic coverage abroad.
- medical care included
- repatriation
- civil liability protection
Globe Traveller
Medical reimbursement limit
$550k
Our view
Suitable for short and low-risk trips.
- essential medical cover
- fast claim process
- lower coverage ceiling
? Compare the best travel insurance for freeI compare

Is it currently safe to travel to the British Virgin Islands?

As of June 2025, the U.S. Department of State assesses the British Virgin Islands at Level 1: exercise normal precautions, with no significant security threats for most travelers.
Here are their four main recommendations.

  • Security risks: petty crimes such as theft, burglary, and vehicle break-ins can happen, particularly in areas like Road Town and around marinas. Extra caution is advised at night, especially on isolated beaches.
  • Health risks: while no particular vaccinations are required, mosquito-borne diseases including Chikungunya, Dengue, and Zika have been reported, so mosquito protection is essential. Emergency medical care does not meet U.S. standards, and there is no hyperbaric chamber in the territory.
  • Environmental hazards: hurricane season lasts from June to November, with storms capable of affecting transport and accommodation. Rapid onset flooding can occur, and local infrastructure may be quickly overwhelmed during cyclones.
  • Legal and regulatory context: proof of onward travel is required for entry, and U.S. citizens must carry a valid passport throughout their stay. Safety inspections for tourist facilities are not systematically conducted, so visitors should stay vigilant about water sports and excursions.

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 British Virgin Islands.

Travel Insurance Requirements for British Virgin Islands

No, travel insurance is not mandatory for travelers from the US to enter the British Virgin Islands.

Even though it is not a legal requirement, it is strongly recommended to have comprehensive travel insurance due to the limited medical facilities, the absence of a hyperbaric chamber, and the potential need for medical evacuation, which can be expensive and logistically complex.

According to our data, 80% of travelers purchase travel insurance before going to the British Virgin Islands. This high percentage is explained by costly healthcare and the risk of medical evacuation to other islands for serious incidents.

Why take out travel insurance for British Virgin Islands?

It is an essential financial and medical protection for anyone going to British Virgin Islands.

In the British Virgin Islands, hospitals such as Dr. D. Orlando Smith Hospital in Road Town offer limited services and often require upfront payment. Medical resources are scarce, and specialized treatments or emergency care may require evacuation to nearby islands like Puerto Rico or the US Virgin Islands, resulting in high out-of-pocket expenses.

Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in the event of a serious incident.

Here are some examples of healthcare costs in British Virgin Islands.

Example of medical treatmentCost at Dr. D. Orlando Smith HospitalCovered by travel insurance
I have to be hospitalized 48 hours after contracting an infectionUSD 6,800 (about $6,800)up to 100% reimbursed according to policy
I broke my tibia (X-ray, cast, and crutch rental)USD 2,500 (about $2,500)up to 100% reimbursed according to policy
I need to be repatriatedUSD 22,000 (about $22,000)up to 100% reimbursed according to policy
I have appendicitis (consultation and surgery)USD 8,000 (about $8,000)up to 100% reimbursed according to policy
I have to be hospitalized 48 hours after contracting an infection
Cost at Dr. D. Orlando Smith Hospital
USD 6,800 (about $6,800)
Covered by travel insurance
up to 100% reimbursed according to policy
I broke my tibia (X-ray, cast, and crutch rental)
Cost at Dr. D. Orlando Smith Hospital
USD 2,500 (about $2,500)
Covered by travel insurance
up to 100% reimbursed according to policy
I need to be repatriated
Cost at Dr. D. Orlando Smith Hospital
USD 22,000 (about $22,000)
Covered by travel insurance
up to 100% reimbursed according to policy
I have appendicitis (consultation and surgery)
Cost at Dr. D. Orlando Smith Hospital
USD 8,000 (about $8,000)
Covered by travel insurance
up to 100% reimbursed according to policy

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 the British Virgin Islands should cover

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

Main coveragesExplanations and recommendations
? Medical expenses and hospitalizationCovers medical treatment, specialist consultations, and hospital stays for unexpected illness or injury.
We recommend at least $100,000 to cover high private clinic costs.
? Emergency evacuation and repatriationPays for air ambulance or medical repatriation to the US in critical cases.
A minimum recommended limit is $100,000 per person.
? Baggage and personal effectsProtects against loss, theft, or damage to luggage, valuables, and essential belongings.
Opt for at least $2,000 in total coverage.
✈️ Trip cancellation and interruptionReimburses non-refundable costs if you cancel or cut short your trip due to a covered reason.
A coverage of $5,000 per traveler is advised.
? Travel delayCovers meals and lodging expenses if your flight is delayed for an extended period.
At least $300 per day for delays over 8 hours is recommended.
⚖️ Personal liability abroadCovers legal costs and damages if you accidentally injure someone or cause property damage.
Minimum recommended: $100,000.
? Infectious disease and natural disasterIncludes coverage for dengue, Zika, and hurricanes common in the region.
Choose a policy that specifically lists these as covered situations.
A summary of main travel insurance coverages with explanations and recommendations.
? Medical expenses and hospitalization
Explanations and recommendations
Covers medical treatment, specialist consultations, and hospital stays for unexpected illness or injury.
We recommend at least $100,000 to cover high private clinic costs.
? Emergency evacuation and repatriation
Explanations and recommendations
Pays for air ambulance or medical repatriation to the US in critical cases.
A minimum recommended limit is $100,000 per person.
? Baggage and personal effects
Explanations and recommendations
Protects against loss, theft, or damage to luggage, valuables, and essential belongings.
Opt for at least $2,000 in total coverage.
✈️ Trip cancellation and interruption
Explanations and recommendations
Reimburses non-refundable costs if you cancel or cut short your trip due to a covered reason.
A coverage of $5,000 per traveler is advised.
? Travel delay
Explanations and recommendations
Covers meals and lodging expenses if your flight is delayed for an extended period.
At least $300 per day for delays over 8 hours is recommended.
⚖️ Personal liability abroad
Explanations and recommendations
Covers legal costs and damages if you accidentally injure someone or cause property damage.
Minimum recommended: $100,000.
? Infectious disease and natural disaster
Explanations and recommendations
Includes coverage for dengue, Zika, and hurricanes common in the region.
Choose a policy that specifically lists these as covered situations.
A summary of main travel insurance coverages with explanations and recommendations.

Travel insurance from local companies or credit cards often comes with lower limits and many exclusions. It is safer to choose a reputable insurer offering broad and reliable coverage. Compare leading plans on HelloSafe and sign up online to get instant insurance certification.

What is the cost of travel insurance for the British Virgin Islands?

Trip durationTraveler’s ageIndicative price per person
1 week25 years old$18 – $30
2 weeks45 years old$32 – $55
1 month35 years old$48 – $85
1 month70 years old$120 – $180
1 week
Traveler’s age
25 years old
Indicative price per person
$18 – $30
2 weeks
Traveler’s age
45 years old
Indicative price per person
$32 – $55
1 month
Traveler’s age
35 years old
Indicative price per person
$48 – $85
1 month
Traveler’s age
70 years old
Indicative price per person
$120 – $180

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 policy is determined by several factors: your age, the duration of your trip, your destination, and selected options like cancellation coverage. It's important to keep these in mind, as riskier plans cost more. This will help you choose the right coverage at the best price.

? 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 travel insurance to British Virgin Islands

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

CriteriaWhy it mattersExpert tip
?‍ Traveller's ageAge affects travel insurance pricing, particularly for older travelers.Compare providers. Heymondo does not increase its prices for people over 62. This can benefit senior travelers.
? Level of coverageQuality medical care may be expensive or limited, making adequate coverage important.Choose a plan with $100,000–$250,000 medical coverage. Avoid unnecessary extras to keep premiums moderate.
⏳ Trip durationInsurance costs are based on the total length of your stay.Purchase coverage only for your actual travel dates. Shortening your covered period lowers total cost.
?‍♂️ Planned activitiesWater sports and excursions increase risk and can raise insurance premiums.Only select hazardous sports options if you genuinely need them for your activities in British Virgin Islands.
? Baggage protectionTheft and baggage loss can occur but coverage is often standard or optional.Opt for minimal baggage coverage or your credit card protections if your bags are not high value.
?‍?‍?‍? Family/group plansGroup coverage can offer better rates for families or friends traveling together.Compare family or group policy rates versus individual quotes. Group plans can be more economical per traveler.
? Deductible selectionHigher deductibles lower premiums but increase your share of costs in claims.Choose a higher deductible if you have funds set aside for emergencies, to further reduce your premium.
A breakdown of criteria for choosing travel insurance, why each factor is important, and expert advice.
?‍ Traveller's age
Why it matters
Age affects travel insurance pricing, particularly for older travelers.
Expert tip
Compare providers. Heymondo does not increase its prices for people over 62. This can benefit senior travelers.
? Level of coverage
Why it matters
Quality medical care may be expensive or limited, making adequate coverage important.
Expert tip
Choose a plan with $100,000–$250,000 medical coverage. Avoid unnecessary extras to keep premiums moderate.
⏳ Trip duration
Why it matters
Insurance costs are based on the total length of your stay.
Expert tip
Purchase coverage only for your actual travel dates. Shortening your covered period lowers total cost.
?‍♂️ Planned activities
Why it matters
Water sports and excursions increase risk and can raise insurance premiums.
Expert tip
Only select hazardous sports options if you genuinely need them for your activities in British Virgin Islands.
? Baggage protection
Why it matters
Theft and baggage loss can occur but coverage is often standard or optional.
Expert tip
Opt for minimal baggage coverage or your credit card protections if your bags are not high value.
?‍?‍?‍? Family/group plans
Why it matters
Group coverage can offer better rates for families or friends traveling together.
Expert tip
Compare family or group policy rates versus individual quotes. Group plans can be more economical per traveler.
? Deductible selection
Why it matters
Higher deductibles lower premiums but increase your share of costs in claims.
Expert tip
Choose a higher deductible if you have funds set aside for emergencies, to further reduce your premium.
A breakdown of criteria for choosing travel insurance, why each factor is important, and expert advice.

Can you rely on your current insurance to cover you in British Virgin Islands?

It’s completely legitimate to wonder whether your existing coverage—such as credit card insurance or your public health system—can protect you during a trip to the British Virgin Islands. Unfortunately, this coverage is often limited or insufficient for major expenses abroad.

Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceValid in British Virgin Islands?What it coversWhy Travel Insurance is better
Public health insurance (Medicare, Medicaid)No, neverNo coverage abroad. You pay all local care costs out of pocket. Medical evacuation never included.Travel insurance covers up to $500,000 for emergency care and evacuation.
Private health insurance (Aetna, Cigna, UnitedHealthcare)Yes, partlyEmergencies only, often with limits $20,000–$50,000. No medical evacuation, exclusions for non-hospital care.Travel insurance pays $100,000+, includes evacuation, and direct payment to local clinics.
Classic credit card (Chase Freedom, Citi Double Cash, Wells Fargo Active Cash)Yes, partlyEmergency care <$10,000. No medical evacuation or trip interruption cover. Baggage loss limits are low.Travel insurance offers $100,000+ medical, lost bags, trip cancellation and evacuation.
Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige)Yes, partlyMedical <$100,000. Trip delay and baggage coverage capped. No international emergency assistance center.Travel insurance can cover up to $1,000,000, with 24/7 assistance and rapid evacuation.
Public health insurance (Medicare, Medicaid)
Valid in British Virgin Islands?
No, never
What it covers
No coverage abroad. You pay all local care costs out of pocket. Medical evacuation never included.
Why Travel Insurance is better
Travel insurance covers up to $500,000 for emergency care and evacuation.
Private health insurance (Aetna, Cigna, UnitedHealthcare)
Valid in British Virgin Islands?
Yes, partly
What it covers
Emergencies only, often with limits $20,000–$50,000. No medical evacuation, exclusions for non-hospital care.
Why Travel Insurance is better
Travel insurance pays $100,000+, includes evacuation, and direct payment to local clinics.
Classic credit card (Chase Freedom, Citi Double Cash, Wells Fargo Active Cash)
Valid in British Virgin Islands?
Yes, partly
What it covers
Emergency care <$10,000. No medical evacuation or trip interruption cover. Baggage loss limits are low.
Why Travel Insurance is better
Travel insurance offers $100,000+ medical, lost bags, trip cancellation and evacuation.
Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige)
Valid in British Virgin Islands?
Yes, partly
What it covers
Medical <$100,000. Trip delay and baggage coverage capped. No international emergency assistance center.
Why Travel Insurance is better
Travel insurance can cover up to $1,000,000, with 24/7 assistance and rapid evacuation.
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Example

While scuba diving off Anegada, Sarah suffered decompression sickness. The emergency air ambulance to Miami cost $40,000. Her American Express Gold card offered no medical benefits, and her US health plan didn't cover international evacuations. Without proper travel insurance, she faced a massive, unexpected bill for her dream vacation.

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Expert advice

Always check the terms, exclusions, and limits of your existing insurance. Key situations, like trip interruption for a relative’s illness, may 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 tailored to your trip.

FAQ

Do I need a visa to travel to British Virgin Islands?

US citizens do not need a visa for visits up to one month in the British Virgin Islands for tourism purposes. You must present a valid US passport at the time of entry and show proof of your departure plans, such as a return ticket or onward itinerary. If you plan to stay longer or work, different requirements apply.

How do I purchase travel insurance for British Virgin Islands?

Start by comparing travel insurance plans using a tool like HelloSafe to find the right fit for your trip. Carefully review policy details and exclusions, with attention to benefits relevant for British Virgin Islands such as medical evacuation and water sports coverage. Once you choose a plan, make your purchase securely online and you will receive your insurance certificate by email.

Are there health concerns or risks unique to the British Virgin Islands that my insurance should address?

Yes, mosquito-borne illnesses such as Chikungunya, Dengue, and Zika are present in the British Virgin Islands. Medical facilities are limited and do not meet US standards. Consider selecting travel insurance that includes coverage for emergency medical care, evacuation, and possible return to the United States if needed.

Is lost luggage or theft a common risk in the British Virgin Islands, and is it covered by travel insurance?

Petty crimes like theft and burglary can occur, especially in tourist areas and on beaches. Most standard travel insurance plans offer coverage for lost luggage, theft of personal belongings, and travel delays. Make sure to check the limits and exclusions of your plan before traveling.

Does travel insurance for the British Virgin Islands cover water activities such as boating or snorkeling?

Not all travel insurance policies automatically cover injuries from activities like boating, snorkeling, or other water sports. If you plan on participating in these activities, check your policy carefully or add a water sports rider to ensure you are protected in case of accidents or injuries during your trip.

How do I get emergency medical assistance while visiting the British Virgin Islands?

If you need emergency medical assistance, contact your travel insurer’s emergency helpline, whose number is supplied on your insurance certificate. The provider can help arrange care, recommend appropriate facilities, and coordinate emergency evacuation if needed. It’s important to keep your insurance documents and the emergency number accessible throughout your trip.

Do I need a visa to travel to British Virgin Islands?

US citizens do not need a visa for visits up to one month in the British Virgin Islands for tourism purposes. You must present a valid US passport at the time of entry and show proof of your departure plans, such as a return ticket or onward itinerary. If you plan to stay longer or work, different requirements apply.

How do I purchase travel insurance for British Virgin Islands?

Start by comparing travel insurance plans using a tool like HelloSafe to find the right fit for your trip. Carefully review policy details and exclusions, with attention to benefits relevant for British Virgin Islands such as medical evacuation and water sports coverage. Once you choose a plan, make your purchase securely online and you will receive your insurance certificate by email.

Are there health concerns or risks unique to the British Virgin Islands that my insurance should address?

Yes, mosquito-borne illnesses such as Chikungunya, Dengue, and Zika are present in the British Virgin Islands. Medical facilities are limited and do not meet US standards. Consider selecting travel insurance that includes coverage for emergency medical care, evacuation, and possible return to the United States if needed.

Is lost luggage or theft a common risk in the British Virgin Islands, and is it covered by travel insurance?

Petty crimes like theft and burglary can occur, especially in tourist areas and on beaches. Most standard travel insurance plans offer coverage for lost luggage, theft of personal belongings, and travel delays. Make sure to check the limits and exclusions of your plan before traveling.

Does travel insurance for the British Virgin Islands cover water activities such as boating or snorkeling?

Not all travel insurance policies automatically cover injuries from activities like boating, snorkeling, or other water sports. If you plan on participating in these activities, check your policy carefully or add a water sports rider to ensure you are protected in case of accidents or injuries during your trip.

How do I get emergency medical assistance while visiting the British Virgin Islands?

If you need emergency medical assistance, contact your travel insurer’s emergency helpline, whose number is supplied on your insurance certificate. The provider can help arrange care, recommend appropriate facilities, and coordinate emergency evacuation if needed. It’s important to keep your insurance documents and the emergency number accessible throughout your trip.

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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