What are the best travel insurances for Guadeloupe in 2025?
- The best travel insurance plans for Guadeloupe
- Travel Safety in Guadeloupe
- Travel insurance requirements for entering Guadeloupe
- Why take out travel insurance for Guadeloupe?
- What Travel Insurance for Guadeloupe Should Cover
- The cost of travel insurance for Guadeloupe
- How to pay less for your travel insurance to Guadeloupe
- Current insurance coverage in Guadeloupe
- FAQ
Travel insurance for Guadeloupe: key takeaways
1. Definition: Travel insurance for Guadeloupe covers medical emergencies, trip cancellation, and provides 24/7 assistance.
2. Key protection: Insurance is not mandatory, but U.S. health plans rarely provide coverage in Guadeloupe.
3. Healthcare cost: A hospital stay can be costly, potentially exceeding $1,000 per night for visitors.
4. Price: A one-week travel insurance policy for Guadeloupe typically costs between $30 and $60.
5. Good to know: Consider policies with medical evacuation for serious emergencies on the island.
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 Guadeloupe.
The best travel insurance plans for Guadeloupe
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | USD 1.1M | A solid choice for Guadeloupe, with extensive coverage and broad assistance. very high medical limitcovers repatriationadaptable cover |
| Cap Assistance 24/24 | USD 1.1M | Good for confidence on short trips and family travel. 24/7 supportcancellation availablesimple terms |
| Tourist Card | USD 540k | Convenient for tourists seeking essential coverage. core medical protectionefficient claimsaffordable price |
| Travel Pass Monde | USD 760k | Suits travelers staying several weeks or longer. strong hospital coverbroad emergency assistancesimple procedures |
| Globe Partner | USD 325k | For essential needs and reliable guarantees. medical care abroadcovers repatriationincludes civil liability |
| Globe Traveller | USD 540k | Appropriate for short trips to Guadeloupe. basic but sufficient medical coverquick reimbursementsbudget friendly |
very high medical limitcovers repatriationadaptable cover
24/7 supportcancellation availablesimple terms
core medical protectionefficient claimsaffordable price
strong hospital coverbroad emergency assistancesimple procedures
medical care abroadcovers repatriationincludes civil liability
basic but sufficient medical coverquick reimbursementsbudget friendly
Travel Safety in Guadeloupe
As of June 2025, the US Department of State maintains a Level 1: Exercise Normal Precautions advisory for Guadeloupe, reflecting a stable security environment for US travelers.
Here are their four main recommendations.
- Security risks: Street crime such as bag snatching and pickpocketing is possible, especially in tourist areas of Pointe-à-Pitre and beaches near Le Gosier. Travelers should avoid walking alone at night and secure valuables at all times.
- Health risks: Mosquito-borne diseases like chikungunya and dengue are present. Although no vaccines are required, the CDC advises routine immunizations and precautions against mosquito bites due to the risk of Zika and other viruses.
- Legal requirements: US citizens do not need a visa for stays under 90 days, but you must carry a valid US passport with at least six months’ validity. Carry return or onward tickets and proof of accommodation when arriving in Guadeloupe.
- Environmental hazards: Cyclone season runs from June to November, with risk of hurricanes causing travel disruption and hazardous conditions. Sudden tropical storms can lead to flash flooding in low-lying urban areas.
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 Guadeloupe.
Travel insurance requirements for entering Guadeloupe
No, travel insurance is not legally mandatory for travelers from the US to enter Guadeloupe.
It is still strongly recommended to have travel insurance because U.S. Medicare and Medicaid do not apply overseas, and local medical care or evacuation can result in high out-of-pocket costs. Insurance also helps cover unexpected events like illness or theft.
According to our data, 80% of travelers purchase travel insurance before going to Guadeloupe. This is due to the expense of healthcare and the need for medical evacuation coverage on the island.
Why take out travel insurance for Guadeloupe?
It is an essential financial and medical protection for anyone going to Guadeloupe.
Medical care in Guadeloupe can be costly, especially for foreign nationals. While the CHU de Pointe-à-Pitre is the largest hospital, private clinics and emergency evacuation are expensive for uninsured travelers. Hospitals expect immediate payment, and U.S. Medicare and Medicaid are not accepted.
Travel insurance covers medical expenses, hospitalization costs, medications, ambulance transportation, and emergency repatriation to the US in serious cases.
Here are some examples of healthcare costs in Guadeloupe.
| Example of medical treatment | Cost at CHU de Pointe-à-Pitre | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 2,100 EUR (2,270 USD) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 1,700 EUR (1,840 USD) | up to 100% |
| I need to be repatriated | 18,000 EUR (19,450 USD) | up to 100% |
| I have appendicitis (consultation and surgery) | 3,500 EUR (3,780 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.
What Travel Insurance for Guadeloupe Should Cover
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Emergency medical care | Covers urgent treatment if you fall ill or are injured during your stay. We recommend at least $50,000 in medical expenses for Guadeloupe. |
| 🚑 Medical evacuation | Pays for transport to an appropriate medical facility or back to the US if needed. Choose a plan with a minimum of $150,000 for evacuation and repatriation. |
| 🏨 Hospitalization | Covers the cost of overnight stays and hospital-based treatment. Opt for at least $50,000 to ensure access to quality care if hospitalized. |
| 💊 Prescription medication | Reimburses necessary medications due to illness or injury during the trip. A minimum of $2,000 in coverage is usually sufficient for this benefit. |
| ✈️ Trip cancellation | Refunds non-refundable expenses if your trip is canceled for covered reasons. We suggest at least $3,000 for cancellation per insured person visiting Guadeloupe. |
| 🧳 Baggage loss/delay | Provides compensation if your checked luggage is lost, damaged, or delayed. Aim for a baggage coverage minimum of $1,000 per person. |
| 🧑⚖️ Personal liability | Protects if you accidentally injure someone or damage property. At least $75,000 recommended for personal liability protection in Guadeloupe. |
| 📞 24/7 assistance | Provides emergency support, referrals, and help with claims in English. Ensure your plan includes comprehensive multilingual and 24/7 support for emergencies. |
We recommend at least $50,000 in medical expenses for Guadeloupe.
Choose a plan with a minimum of $150,000 for evacuation and repatriation.
Opt for at least $50,000 to ensure access to quality care if hospitalized.
A minimum of $2,000 in coverage is usually sufficient for this benefit.
We suggest at least $3,000 for cancellation per insured person visiting Guadeloupe.
Aim for a baggage coverage minimum of $1,000 per person.
At least $75,000 recommended for personal liability protection in Guadeloupe.
Ensure your plan includes comprehensive multilingual and 24/7 support for emergencies.
Travel insurance from local providers or bank cards usually has low coverage limits, with many exclusions and gaps. It is safer to select a reputable insurer with comprehensive protection. Compare the top options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Guadeloupe
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $19 |
| 2 weeks | 45 years old | $31 |
| 1 month | 35 years old | $54 |
| 1 month | 70 years old | $104 |
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 depends on several key details: your age, trip duration, destination, desired coverage limits, and optional add-ons like trip cancellation. Keeping these factors in mind is essential to select the right coverage for your trip to Guadeloupe, ensuring you get the best value and protection.
💡 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 Guadeloupe
Here are some suggestions to optimize the cost of your travel insurance to Guadeloupe while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| ✈️ Trip duration | Insurance cost is based on the length of your trip to Guadeloupe. | Cover only the planned stay dates to avoid paying extra for unnecessary additional days. |
| 👤 Traveler's age | Age is a major factor in insurance pricing, especially for older travelers. | Compare several providers, as Heymondo does not increase its prices for people over 62. |
| 🏥 Level of coverage | Medical care can be expensive for tourists and not all policies cover repatriation. | Choose sufficient but not excessive medical limits, such as $50,000–$100,000 for Guadeloupe stays. |
| 🕹️ Activities | Some sports or excursions require specific coverage in Guadeloupe. | Add coverage only for activities you plan to actually do, not standard adventure bundles. |
| 🧳 Baggage coverage | Lost or delayed baggage can be an issue, but Guadeloupe airports are generally efficient. | Lower or remove baggage coverage if you have little or no valuable luggage with you. |
| 👫 Family/group plans | Insurers may give a lower per-person premium for family or group coverage. | Travel as a group under one policy for possible bulk savings and easier claims processing. |
| 💳 Payment options | Some credit cards may provide basic insurance for Guadeloupe trips. | Check your credit card’s travel benefits before purchasing extra insurance to avoid duplicate coverage. |
Current insurance coverage in Guadeloupe
It is completely legitimate to wonder if your current insurance, such as credit card insurance or your public health system, will cover you during a trip to Guadeloupe. Unfortunately, this coverage is often limited or insufficient for overseas travel and medical emergencies.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Guadeloupe? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage outside the United States. | Travel insurance covers $100,000+ in overseas medical and repatriation. |
| Private health insurance (UnitedHealthcare, Aetna, Blue Cross) | Yes, partly | Some reimbursement for emergency care abroad, typically up to $10,000. No evacuation. | Travel insurance includes $100,000+, medical evacuation, and 24/7 assistance. |
| Classic credit card (Visa Classic, Mastercard Standard, Discover) | Yes, partly | Some cards provide limited accident or health (up to $5,000), rarely cover baggage or trip interruption. | Travel insurance offers $100,000+ for health, and more for luggage or trip delays. |
| Premium credit card (Chase Sapphire Preferred, Amex Gold, Visa Signature) | Yes, partly | Higher limits: medical up to $50,000, some protection for trip delay or baggage. | Travel insurance covers $100,000+ and evacuations with support for direct payment. |
Example
While in Guadeloupe, Sarah contracted severe Dengue fever, requiring a week of intensive care costing $15,000. Her Chase Sapphire card's travel insurance only covered $2,500, and her US health plan deemed the hospital 'out-of-network,' leaving her with a $12,500 bill. A mosquito bite turned into a massive financial emergency.
Expert advice
Always check your existing insurance for its terms, exclusions, and limits. Critical situations, like trip interruption for a relative's illness, may not be covered. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to purchase dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Guadeloupe?
U.S. citizens do not need a visa for visits to Guadeloupe that are less than 90 days. However, travelers must have a valid U.S. passport with at least six months’ validity beyond their planned departure and at least one blank page for entry stamps. You’ll also need proof of onward or return travel.
How do I purchase travel insurance for Guadeloupe?
Begin by using the HelloSafe travel insurance comparison tool to compare plans. Carefully check each offer’s guarantees and exclusions specific to Guadeloupe, such as medical evacuation coverage. Next, select and buy your policy online. Your certificate will be emailed to you after purchase, which you should bring with you on your trip.
Are medical emergencies in Guadeloupe covered by U.S. insurance plans?
U.S. Medicare and Medicaid do not cover you in Guadeloupe. Some private insurance plans offer limited overseas emergency care, but most require you to pay up front and get reimbursed, often with coverage caps. Comprehensive travel insurance can provide better direct payment or reimbursement for medical emergencies abroad.
Does travel insurance for Guadeloupe include coverage for mosquito-borne illnesses?
Most travel insurance covers medical treatment for illnesses contracted abroad, which includes diseases like Chikungunya, Dengue, or Zika if you become ill during your trip. Review your policy for exclusions related to pre-existing conditions or travel to areas with disease outbreaks, and look for 24/7 emergency support.
Can I buy travel insurance for Guadeloupe after my trip has started?
Some insurers allow you to buy travel insurance after you begin your trip, but it is always best to purchase before departure. Coverage for incidents or illnesses that began before the start date of your policy is generally excluded. Early purchase provides more complete protection, including for pre-departure cancellations.
Will travel insurance for Guadeloupe cover baggage loss or travel disruptions?
Most comprehensive travel insurance policies include protection for baggage loss, theft, or significant travel delays while in Guadeloupe. These policies generally offer reimbursement in the range of $500 to $2,500 per insured person for baggage incidents and include compensation for required essential purchases if bags are delayed.
Do I need a visa to travel to Guadeloupe?
U.S. citizens do not need a visa for visits to Guadeloupe that are less than 90 days. However, travelers must have a valid U.S. passport with at least six months’ validity beyond their planned departure and at least one blank page for entry stamps. You’ll also need proof of onward or return travel.
How do I purchase travel insurance for Guadeloupe?
Begin by using the HelloSafe travel insurance comparison tool to compare plans. Carefully check each offer’s guarantees and exclusions specific to Guadeloupe, such as medical evacuation coverage. Next, select and buy your policy online. Your certificate will be emailed to you after purchase, which you should bring with you on your trip.
Are medical emergencies in Guadeloupe covered by U.S. insurance plans?
U.S. Medicare and Medicaid do not cover you in Guadeloupe. Some private insurance plans offer limited overseas emergency care, but most require you to pay up front and get reimbursed, often with coverage caps. Comprehensive travel insurance can provide better direct payment or reimbursement for medical emergencies abroad.
Does travel insurance for Guadeloupe include coverage for mosquito-borne illnesses?
Most travel insurance covers medical treatment for illnesses contracted abroad, which includes diseases like Chikungunya, Dengue, or Zika if you become ill during your trip. Review your policy for exclusions related to pre-existing conditions or travel to areas with disease outbreaks, and look for 24/7 emergency support.
Can I buy travel insurance for Guadeloupe after my trip has started?
Some insurers allow you to buy travel insurance after you begin your trip, but it is always best to purchase before departure. Coverage for incidents or illnesses that began before the start date of your policy is generally excluded. Early purchase provides more complete protection, including for pre-departure cancellations.
Will travel insurance for Guadeloupe cover baggage loss or travel disruptions?
Most comprehensive travel insurance policies include protection for baggage loss, theft, or significant travel delays while in Guadeloupe. These policies generally offer reimbursement in the range of $500 to $2,500 per insured person for baggage incidents and include compensation for required essential purchases if bags are delayed.
