What are the best travel insurance options for Guam in 2025?
- The best travel insurance plans for Guam
- Current travel safety in Guam
- Is travel insurance required by law to enter Guam?
- Why take out travel insurance for Guam?
- The essential coverage for travel insurance for Guam
- The cost of travel insurance for Guam
- How to Pay Less for Your Travel Insurance to Guam
- Can I rely on my current insurance to cover me in Guam?
- FAQ
Travel insurance for Guam: key takeaways
1. Definition: Travel insurance for Guam covers medical emergencies, trip cancellation, and lost personal belongings.
2. Key protection: Insurance is not mandatory for U.S. citizens, as Guam is a U.S. territory.
3. Healthcare cost: Healthcare costs are high, with a hospital stay potentially costing thousands of dollars per night.
4. Price: A one-week travel insurance plan for Guam typically costs between $30 and $60.
5. Good to know: Remember to carry a REAL ID-compliant identification for your flight to Guam.
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 United States, our experts share here everything you need to know to choose the best travel insurance for Guam.
The best travel insurance plans for Guam
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | USD 1.1M | Excellent for Guam, with high medical limits and broad coverage. - includes emergency care - repatriation - flexible assistance |
| Cap Assistance 24/24 | USD 1.1M | Reliable for families and short trips. - 24/7 support - clear terms - covers cancellation |
| Tourist Card | USD 540k | Solid for vacations, with essential medical cover. - emergency assistance - suitable medical limits - affordable option |
| Travel Pass Monde | USD 760k | Balanced protection for longer stays. - covers hospital fees - broad territorial support - quick claims |
| Globe Partner | USD 325k | Good for travelers seeking simple guarantees. - medical care - repatriation - civil liability |
| Globe Traveller | USD 540k | Meets key needs for short trips. - essential medical cover - fast processing - practical budget ceiling |
- includes emergency care
- repatriation
- flexible assistance
- 24/7 support
- clear terms
- covers cancellation
- emergency assistance
- suitable medical limits
- affordable option
- covers hospital fees
- broad territorial support
- quick claims
- medical care
- repatriation
- civil liability
- essential medical cover
- fast processing
- practical budget ceiling
Current travel safety in Guam
As of June 2025, the US Department of State reports that Guam is safe for travel by US citizens, with no elevated security warnings or special restrictions in place.
Here are their four main recommendations.
- Security risks: Guam experiences low crime rates, but petty theft can occur in urban areas such as Tumon. Travelers should take the usual precautions with valuables and be mindful in crowded or tourist-heavy locations.
- Health risks: there are no special vaccination requirements and medical facilities are comparable to those in the mainland US. Standard travel health practices apply, including up-to-date routine vaccinations and awareness of the tropical climate.
- Legal requirements: completion of the Guam Electronic Declaration Form (EDF) is now mandatory for every passenger before arrival. REAL ID-compliant identification is also required for inbound flights from the mainland US after May 7, 2025.
- Environmental hazards: Guam is susceptible to severe weather, such as typhoons during the rainy season, which can disrupt supplies and transportation. Travelers should stay alert for official alerts, especially during the Pacific typhoon season.
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 Guam.
Is travel insurance required by law to enter Guam?
No, travel insurance is not legally mandatory for travelers from the United States to enter Guam.
It is still strongly recommended to have travel insurance when traveling to Guam. Although Guam is a U.S. territory, unexpected situations or health emergencies can still result in significant expenses. A policy can provide peace of mind for medical costs and trip disruptions.
According to our data, 80% of travelers purchase travel insurance before going to Guam. This high rate reflects the desire to avoid potentially expensive medical or evacuation costs, even for domestic U.S. destinations.
Why take out travel insurance for Guam?
It is an essential financial and medical protection for anyone going to Guam.
Medical care in Guam can be expensive, particularly at private hospitals like Guam Memorial Hospital in Tamuning or Guam Regional Medical City. Uninsured visitors are responsible for the full cost of treatment, which can quickly add up for even routine emergencies.
Travel insurance covers medical expenses, hospitalization costs, medications, ambulance transportation, and emergency repatriation to the US if a serious issue occurs.
Here are some examples of healthcare costs in Guam.
| Example of medical treatment | Cost at Guam Regional Medical City | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 3,200 USD | up to 100% with comprehensive plan |
| I broke my tibia (X-ray, cast, and crutch rental) | 2,000 USD | up to 100% with comprehensive plan |
| I need to be repatriated | 18,000 USD | up to 100% with comprehensive plan |
| I have appendicitis (consultation and surgery) | 9,800 USD | up to 100% with comprehensive plan |
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 essential coverage for travel insurance for Guam
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Emergency medical care | Covers the cost of urgent treatment for illness or injury in hospitals or clinics. We recommend at least a $50,000 reimbursement limit due to private clinic costs in Guam. |
| 🚑 Medical evacuation | Pays for medical transport to better-equipped facilities or back to the mainland US. Choose a policy with a minimum of $100,000 for medical evacuation, especially for serious incidents. |
| 🛌 Hospitalization | Covers inpatient hospital stays, surgery, and nursing care beyond the ER. Aim for hospital coverage of at least $50,000 for possible emergencies. |
| 💊 Prescription medication | Reimburses necessary prescribed medicines while in Guam due to illness or injury. We recommend a minimum limit of $2,500 for medications. |
| ✈️ Trip cancellation | Refunds non-refundable booking expenses if you cancel for covered reasons. At least $2,000 of cancellation coverage per person is advisable. |
| 🧳 Baggage loss/delay | Compensation for lost, stolen, or delayed luggage. A $1,000 minimum per person is suitable for Guam. |
| 🧑⚖️ Personal liability | Protects you if you accidentally injure someone or damage property. $100,000 minimum coverage is generally sufficient. |
| 📞 24/7 assistance | Access to expert help in English at any time for emergencies or claims. 24/7 global support should always be included with comprehensive policies. |
We recommend at least a $50,000 reimbursement limit due to private clinic costs in Guam.
Choose a policy with a minimum of $100,000 for medical evacuation, especially for serious incidents.
Aim for hospital coverage of at least $50,000 for possible emergencies.
We recommend a minimum limit of $2,500 for medications.
At least $2,000 of cancellation coverage per person is advisable.
A $1,000 minimum per person is suitable for Guam.
$100,000 minimum coverage is generally sufficient.
24/7 global support should always be included with comprehensive policies.
Travel insurance from local providers or included with bank cards often has limited coverage, low reimbursement limits, and many exclusions. It is safer to choose a trusted insurer with full coverage. Compare the top options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Guam
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $17 |
| 2 weeks | 45 years old | $26 |
| 1 month | 35 years old | $42 |
| 1 month | 70 years old | $71 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance policy is influenced by several key elements. These include your age, the length of your trip, your destination, the level of coverage you select, and any add-ons like trip cancellation protection. Understanding these factors is crucial for finding a plan that fits both your needs and your budget, ensuring you're properly covered.
💡 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 Guam
Here are some suggestions to optimize the cost of your travel insurance to Guam while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| ✈️ Trip duration | The price of your insurance depends mainly on the length of your stay in Guam. | Only cover your exact dates of travel to avoid paying for unnecessary days outside your actual trip. |
| 👤 Traveler's age | Age impacts costs, especially for seniors, even when visiting a U.S. territory like Guam. | Check with several insurers, as Heymondo does not increase its prices for people over 62. |
| 🏥 Level of coverage | Medical emergencies can be costly even in U.S. territories, and hospital care may be limited. | Choose a mid-range limit, such as $50,000 in medical, to balance affordability and sufficient protection. |
| 🧳 Baggage coverage | Mishandling or delays occur even on domestic flights, but many bags are covered by airlines. | Skip or minimize baggage coverage if airlines or your card already provide protection. |
| 🚫 Deductible amount | A higher deductible lowers your premium but means greater out-of-pocket expenses if you claim. | Select a deductible you are comfortable with to reduce your upfront insurance cost. |
| 👫 Family/group plans | Family or group plans often cost less per person than separate policies for each traveler. | Book family or group coverage to obtain discounts and consolidate documentation for your Guam trip. |
| 💳 Payment options | Some premium credit cards offer basic travel insurance for domestic trips like Guam. | Check your credit card’s travel benefits first, then only buy what you still need for your trip. |
Can I rely on my current insurance to cover me in Guam?
It is completely legitimate to wonder whether your existing coverage, like credit card insurance or your public health insurance, will cover you during a trip to Guam. However, this coverage is often limited, especially for trip cancellations, baggage, and rental car incidents.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Guam? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | Yes, partly | Covers medical care at public facilities in Guam to U.S. standards. No evacuation or private clinic coverage. | Travel insurance covers private clinics, full repatriation, and broader emergency care options. |
| Private health insurance (Aetna, UnitedHealthcare, Blue Cross) | Yes, partly | Usually valid; some limits may apply. Emergency care reimbursed up to $10,000. No trip coverage or lost baggage. | Travel insurance covers trip cancellation, evacuation, and lost baggage up to $100,000 or more. |
| Classic credit card (Visa Classic, Mastercard Standard, Discover) | Yes, partly | Some offer limited accident/medical (up to $2,500); basic baggage delay and no trip cancellation coverage. | Travel insurance covers trip delays, cancellation, and medical costs much higher than $2,500. |
| Premium credit card (Chase Sapphire Preferred, Amex Gold, Visa Signature) | Yes, partly | Better medical (up to $10,000), trip interruption (up to $20,000), rental car and baggage protection. | Travel insurance offers higher limits, minimal exclusions, and extra guarantees for cruises or excursions. |
Example
While scuba diving in Guam, Mark got decompression sickness. The required hyperbaric chamber treatment and air ambulance to Hawaii cost $80,000. His mainland health plan considered the providers out-of-network, covering only $10,000. His Chase Freedom card offered no medical evacuation coverage, leaving him with a shocking $70,000 bill.
Expert advice
Always check your existing insurance's terms, exclusions, and limits. Critical situations, like trip interruption for a relative's illness, may be excluded. Read the fine print carefully to avoid surprises abroad. In all cases, it's safer and more reassuring to purchase dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Guam?
U.S. citizens do not need a visa to travel to Guam, as it is a U.S. territory and considered domestic travel. You will need to present a valid government-issued photo ID, and for travelers 18 and over, an original or certified birth certificate may be required along with your ID.
How do I purchase travel insurance for Guam?
Start by using the HelloSafe travel insurance comparison tool to compare different plans. Check each policy’s coverage and exclusions for suitability in Guam, especially regarding medical and evacuation coverage. Select the best option and purchase it online. After payment, you will receive your insurance certificate by email.
Does travel insurance for Guam cover trip delays or cancellations?
Most standard travel insurance plans provide coverage for trip delays due to unforeseen events, as well as trip cancellation for valid reasons. Always review the policy for covered reasons and maximum benefit limits, as these can vary widely. Typical cancellation coverage may range from $1,000 to $10,000 per person.
Is travel insurance recommended for a domestic trip like Guam?
Even though Guam is within the U.S., travel insurance is often recommended. Medical care or medical evacuation from Guam to the mainland can be expensive, and trip disruptions, baggage loss, or missed connections can still occur. Insurance offers financial protection and assistance if unexpected situations arise.
Are pre-existing medical conditions covered by travel insurance for Guam?
Some travel insurers provide limited or no coverage for pre-existing medical conditions, while others may offer waivers if you purchase promptly after your trip booking. Check your policy carefully to understand waiting periods, required documentation, and specific exclusions related to pre-existing conditions.
Can I buy travel insurance for Guam after my trip has started?
Most providers require that you purchase coverage before you begin your trip in order to cover events like trip cancellation or delay. While certain travel medical plans may be purchased after departure, they may not include other important coverages. For full benefits, secure your policy before your trip to Guam starts.
Do I need a visa to travel to Guam?
U.S. citizens do not need a visa to travel to Guam, as it is a U.S. territory and considered domestic travel. You will need to present a valid government-issued photo ID, and for travelers 18 and over, an original or certified birth certificate may be required along with your ID.
How do I purchase travel insurance for Guam?
Start by using the HelloSafe travel insurance comparison tool to compare different plans. Check each policy’s coverage and exclusions for suitability in Guam, especially regarding medical and evacuation coverage. Select the best option and purchase it online. After payment, you will receive your insurance certificate by email.
Does travel insurance for Guam cover trip delays or cancellations?
Most standard travel insurance plans provide coverage for trip delays due to unforeseen events, as well as trip cancellation for valid reasons. Always review the policy for covered reasons and maximum benefit limits, as these can vary widely. Typical cancellation coverage may range from $1,000 to $10,000 per person.
Is travel insurance recommended for a domestic trip like Guam?
Even though Guam is within the U.S., travel insurance is often recommended. Medical care or medical evacuation from Guam to the mainland can be expensive, and trip disruptions, baggage loss, or missed connections can still occur. Insurance offers financial protection and assistance if unexpected situations arise.
Are pre-existing medical conditions covered by travel insurance for Guam?
Some travel insurers provide limited or no coverage for pre-existing medical conditions, while others may offer waivers if you purchase promptly after your trip booking. Check your policy carefully to understand waiting periods, required documentation, and specific exclusions related to pre-existing conditions.
Can I buy travel insurance for Guam after my trip has started?
Most providers require that you purchase coverage before you begin your trip in order to cover events like trip cancellation or delay. While certain travel medical plans may be purchased after departure, they may not include other important coverages. For full benefits, secure your policy before your trip to Guam starts.
