Best Travel Insurance for Cayman Islands in 2025
- The best travel insurance plans for Cayman Islands
- Is it currently safe to travel to the Cayman Islands?
- Is travel insurance required to enter the Cayman Islands?
- Why you need travel insurance for Cayman Islands
- What should travel insurance for the Cayman Islands cover?
- The cost of travel insurance for Cayman Islands
- How to pay less for your travel insurance to Cayman Islands
- Using your current insurance in Cayman Islands
- FAQ
Travel insurance for Cayman Islands: key takeaways
1. Definition: Travel insurance for the Cayman Islands covers medical emergencies, trip cancellation, and unforeseen events.
2. Key protection: Travel insurance is not mandatory but is highly recommended for travel to the Cayman Islands.
3. Healthcare cost: Healthcare is excellent but very expensive, with hospital stays often exceeding $2,000 per night.
4. Price: A one-week policy for the Cayman Islands typically costs between $30 and $60 USD.
5. Good to know: Your U.S. health insurance, including Medicare, is generally not accepted in the Cayman Islands.
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 the Cayman Islands.
The best travel insurance plans for Cayman Islands
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Comprehensive option for Cayman Islands with strong medical and evacuation cover. - high medical limit - broad guarantees - evacuation included |
| Cap Assistance 24/24 | $1.1M | Ideal for trips to Cayman Islands, ensuring quick support and no deductible. - 24/7 medical helpline - immediate assistance - cancellation cover |
| Tourist Card | $545k | Practical choice for tourists seeking core protections. - good medical cover - attractive rate - emergency service included |
| Travel Pass Monde | $765k | Balanced offer for travelers wanting extra peace of mind. - hospital stay included - repatriation - suitable for families |
| Globe Partner | $327k | Reliable and simple contract ideal for international stays. - medical care abroad - repatriation - civil liability |
| Globe Traveller | $545k | Affordable for short visits and low-risk stays in Cayman Islands. - essential medical cover - rapid reimbursement - basic protection |
- high medical limit
- broad guarantees
- evacuation included
- 24/7 medical helpline
- immediate assistance
- cancellation cover
- good medical cover
- attractive rate
- emergency service included
- hospital stay included
- repatriation
- suitable for families
- medical care abroad
- repatriation
- civil liability
- essential medical cover
- rapid reimbursement
- basic protection
Is it currently safe to travel to the Cayman Islands?
As of June 2025, the U.S. Department of State classifies the Cayman Islands as a Level 1 destination, meaning travelers should exercise normal precautions. The country maintains a low-risk status and is generally considered safe for visitors.
Here are their four main recommendations.
- Security risks: crime rates are low, but petty theft does occur, especially in tourist areas such as Seven Mile Beach or West Bay Road. Travelers are encouraged to secure valuables and avoid leaving belongings unattended.
- Health risks: medical care on Grand Cayman is comparable to U.S. standards, but facilities on Cayman Brac and Little Cayman are limited. Mosquito-borne illnesses such as Zika, Chikungunya, and Dengue have been reported, so insect repellent is recommended.
- Legal requirements: firearms and ammunition are strictly prohibited. Possession—even of a single bullet—can result in arrest and lengthy detention. Customs checks at Owen Roberts International Airport are thorough.
- Driving and transportation: U.S. citizens may drive with a valid U.S. license, but traffic moves on the left. Road signage and rules differ from those in the U.S., and additional caution is required when driving, especially at roundabouts.
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 Cayman Islands.
Is travel insurance required to enter the Cayman Islands?
No, travel insurance is not mandatory for travelers from the US to enter Cayman Islands.
Travel insurance is still highly recommended, especially since medical costs on Grand Cayman can be high and facilities on Cayman Brac and Little Cayman are more limited. Insurance ensures coverage for medical emergencies, evacuation, and unexpected incidents during your trip.
According to our data, 80% of travelers purchase travel insurance before going to Cayman Islands, primarily due to the expensive health system and the possibility of medical evacuation from the smaller islands.
Why you need travel insurance for Cayman Islands
It is an essential financial and medical protection for anyone going to Cayman Islands.
In Cayman Islands, healthcare costs can be high, especially in private facilities such as Health City Cayman Islands and Cayman Islands Hospital in George Town. On smaller islands like Cayman Brac, there are limited medical services, often requiring evacuation to Grand Cayman for advanced care, which further increases expenses.
Travel insurance covers medical expenses, hospitalization, medications, ambulance transportation, and emergency repatriation to the US if a serious issue arises.
Here are some examples of healthcare costs in Cayman Islands.
| Example of medical treatment | Cost at Health City Cayman Islands | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 5,400 KYD (about $6,500) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 2,300 KYD (about $2,770) | up to 100% |
| I need to be repatriated | 40,000 KYD (about $48,000) | up to 100% |
| I have appendicitis (consultation and surgery) | 9,000 KYD (about $10,800) | 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 should travel insurance for the Cayman Islands cover?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor visits, hospital stays, and treatments if you become ill or injured. We recommend a minimum reimbursement limit of $50,000. |
| 🚑 Medical evacuation | Pays for emergency transport to hospitals or back to the US if care is not available locally. Recommended minimum: $100,000. |
| ✈️ Trip cancellation/interruption | Reimburses prepaid travel costs if you need to cancel or cut your trip short for covered reasons. Suggested limit: $5,000. |
| 💼 Lost, stolen, or delayed luggage | Covers loss, theft, or delay of baggage and personal items. A limit of at least $2,000 is advised. |
| 🦠 Personal liability | Covers costs if you accidentally injure someone or damage property. Recommended minimum: $50,000. |
| 🏞️ Adventure and water sports | Protects against accidents while engaging in activities like snorkeling or diving. Minimum coverage: $10,000. |
| 🚗 Rental car damage | Pays for repair or replacement if your rental is damaged or stolen. A limit of $30,000 is recommended. |
We recommend a minimum reimbursement limit of $50,000.
Recommended minimum: $100,000.
Suggested limit: $5,000.
A limit of at least $2,000 is advised.
Recommended minimum: $50,000.
Minimum coverage: $10,000.
A limit of $30,000 is recommended.
Travel insurance from local providers or bank cards often comes with stricter limits and many exclusions. For full protection, it is safer to use a trusted insurer. Compare the leading options on HelloSafe and get certified coverage instantly online.
The cost of travel insurance for Cayman Islands
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $32 |
| 2 weeks | 45 years old | $52 |
| 1 month | 35 years old | $73 |
| 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 policy will vary. Key factors include: the traveler's age, the length and destination of your trip, the amount of coverage, and any selected options like cancellation protection. Keeping these in mind is essential to find the right plan 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 Cayman Islands
Here are some suggestions to optimize the cost of your travel insurance to Cayman Islands while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | Your premium is based on the number of insured days, so insuring only exact travel dates can help lower costs. | Choose cover only for actual travel dates rather than rounding up to save on unnecessary extra days. |
| 🩺 Medical coverage | Medical care is good on Grand Cayman but limited on smaller islands, so select adequate evacuation and hospital cover. | Pick sufficient medical and evacuation coverage tailored to your risk, not the highest limit available. |
| 🧳 Baggage coverage | Loss or theft risk is low in the Cayman Islands, so high baggage limits are usually not necessary for most travelers. | Select basic baggage protection unless traveling with high-value items, as lower coverage typically reduces cost. |
| 🌴 Activities covered | Water sports are popular but not always included in standard policies, and extra coverage increases premium. | Opt out of sports coverage if you will not be doing high-risk activities or use specialized plans only if needed. |
| 👤 Traveler’s age | Premiums usually increase with age. Some insurers like Heymondo do not increase prices for people over 62. | Compare providers for age bands. Heymondo keeps prices unchanged for those over 62, which can mean substantial savings. |
| 🗺️ Geographic area | Worldwide coverage costs more than regional cover. Cayman Islands is often included in North America regional options. | Choose regional instead of global cover if you only travel to the Cayman Islands or nearby countries. |
| 👪 Group/family policy | Family or group insurance can reduce the price per person and streamline purchase for multiple travelers. | Opt for a group plan if you are traveling with family or friends for better value compared to separate policies. |
Important
Medical evacuation coverage is particularly important for trips to Cayman Brac or Little Cayman where healthcare facilities are limited. Check that your plan includes evacuation to Grand Cayman or the United States if needed.
Using your current insurance in Cayman Islands
It is reasonable to check if your US health insurance or credit card insurance covers you during your trip to Cayman Islands, but this coverage is often limited or missing key protections like medical evacuation. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Cayman Islands? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage for healthcare costs or hospitalization outside the US. | Travel insurance covers emergency care abroad, usually up to $100,000+. |
| Private health insurance | Yes, partly | Some emergency costs reimbursed up to $10,000 after return, no evacuation or direct payment. | Travel insurance usually covers $100,000+ with hospital payment and evacuation support. |
| Classic credit card (Visa Classic, Chase Freedom) | Yes, partly | Medical expenses up to $2,500, no trip cancellation, limited baggage loss. | Travel insurance provides $100,000+ medical, baggage, and cancellation cover. |
| Premium credit card (Amex Platinum, Chase Sapphire Reserve, Citi Prestige) | Yes, partly | Medical up to $50,000, limited evacuation, trip delay up to $5,000, baggage loss $1,000. | Travel insurance covers $100,000+ medical, full evacuation, and full repatriation. |
Example
While scuba diving off Grand Cayman, Sarah got decompression sickness. The necessary hyperbaric chamber treatment cost $40,000. Her Chase Sapphire card's insurance had a $2,500 limit, and her US health plan denied the claim as out-of-network. She was suddenly responsible for a shocking $37,500 bill from her vacation.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption for 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 tailored to your trip.
FAQ
Do I need a visa to travel to Cayman Islands?
U.S. citizens do not need a visa to visit the Cayman Islands for tourism. A valid U.S. passport is required at entry and exit, with at least one blank page for the entry stamp. Stays are permitted for up to six months.
How do I purchase travel insurance for Cayman Islands?
To buy travel insurance, start by comparing plans using the HelloSafe travel insurance comparison tool. Check cover and exclusions that specifically address health, emergency evacuation, and incidents in the Cayman Islands. Purchase your chosen plan securely online, and your certificate will be sent to you by email.
Are there special health risks I should consider in the Cayman Islands?
While the main island provides medical care similar to U.S. standards, facilities are limited on the smaller islands. Mosquito-borne diseases like Dengue and Zika are present, so use recommended insect repellent. Comprehensive travel insurance with medical evacuation is advised, particularly if you plan to visit Cayman Brac or Little Cayman.
Can I get immediate medical attention in the Cayman Islands?
Grand Cayman has reliable medical facilities and emergency services can be reached by dialing 911. However, smaller islands have fewer resources and may require evacuation to Grand Cayman or even to Miami. Travel insurance covering medical evacuation helps ensure you receive appropriate care in case of emergency.
What legal restrictions should tourists know about in the Cayman Islands?
It is illegal to bring any firearms or ammunition into the Cayman Islands, including individual bullets. Violations can result in arrest. Be sure to check your belongings carefully before travel and comply with all customs regulations.
Can I extend my travel insurance if I stay in the Cayman Islands longer than planned?
Most insurers allow you to extend your coverage if you request it before your existing policy expires. Inform your insurance provider of your updated travel plans as soon as possible. Extended coverage may incur additional costs, but continued protection is important if your trip is prolonged.
Do I need a visa to travel to Cayman Islands?
U.S. citizens do not need a visa to visit the Cayman Islands for tourism. A valid U.S. passport is required at entry and exit, with at least one blank page for the entry stamp. Stays are permitted for up to six months.
How do I purchase travel insurance for Cayman Islands?
To buy travel insurance, start by comparing plans using the HelloSafe travel insurance comparison tool. Check cover and exclusions that specifically address health, emergency evacuation, and incidents in the Cayman Islands. Purchase your chosen plan securely online, and your certificate will be sent to you by email.
Are there special health risks I should consider in the Cayman Islands?
While the main island provides medical care similar to U.S. standards, facilities are limited on the smaller islands. Mosquito-borne diseases like Dengue and Zika are present, so use recommended insect repellent. Comprehensive travel insurance with medical evacuation is advised, particularly if you plan to visit Cayman Brac or Little Cayman.
Can I get immediate medical attention in the Cayman Islands?
Grand Cayman has reliable medical facilities and emergency services can be reached by dialing 911. However, smaller islands have fewer resources and may require evacuation to Grand Cayman or even to Miami. Travel insurance covering medical evacuation helps ensure you receive appropriate care in case of emergency.
What legal restrictions should tourists know about in the Cayman Islands?
It is illegal to bring any firearms or ammunition into the Cayman Islands, including individual bullets. Violations can result in arrest. Be sure to check your belongings carefully before travel and comply with all customs regulations.
Can I extend my travel insurance if I stay in the Cayman Islands longer than planned?
Most insurers allow you to extend your coverage if you request it before your existing policy expires. Inform your insurance provider of your updated travel plans as soon as possible. Extended coverage may incur additional costs, but continued protection is important if your trip is prolonged.
