Best Travel Insurance Options for Honduras in 2025
- The best travel insurance plans for Honduras
- Is it currently safe to travel to Honduras?
- Travel Insurance Requirements for Honduras
- Why take out travel insurance for Honduras?
- What Travel Insurance for Honduras Should Cover
- The cost of travel insurance for Honduras
- How to pay less for your travel insurance to Honduras
- Does my current insurance cover me in Honduras?
- FAQ
Travel insurance for Honduras: key takeaways
1. Definition: Travel insurance for Honduras covers medical emergencies, trip cancellation, and provides 24/7 travel assistance.
2. Warning: The U.S. State Department advises reconsidering travel to Honduras due to high crime rates.
3. Key protection: Insurance is not mandatory for entry but is vital due to limited local medical facilities.
4. Healthcare cost: Private hospital care is costly, potentially exceeding $1,000 per night for foreign visitors.
5. Price: A one-week travel insurance policy for Honduras typically costs between $25 and $50.
6. Good to know: Ensure your policy includes medical evacuation coverage for transport to adequate medical facilities.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Honduras.
The best travel insurance plans for Honduras
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | A robust choice for Honduras, with strong cover for medical issues and emergencies. - high reimbursement ceiling - emergency evacuation - modern guarantees |
| Cap Assistance 24/24 | $1.1M | Well-suited for trips where medical and safety risks exist. - 24/7 helpline - no deductible - includes cancellation protection |
| Tourist Card | $0.54M | Good core coverage for health emergencies and travel mishaps. - high medical limit - emergency assistance - straightforward conditions |
| Travel Pass Monde | $0.76M | Balanced cover for longer stays or adventure travel. - hospital costs covered - evacuation included - worldwide support |
| Globe Partner | $0.32M | Solid option for essential protection in Honduras. - medical and repatriation coverage - civil liability - simple process |
| Globe Traveller | $0.54M | Affordable for short stays and basic needs. - necessary health cover - quick claims - clear benefit limits |
- high reimbursement ceiling
- emergency evacuation
- modern guarantees
- 24/7 helpline
- no deductible
- includes cancellation protection
- high medical limit
- emergency assistance
- straightforward conditions
- hospital costs covered
- evacuation included
- worldwide support
- medical and repatriation coverage
- civil liability
- simple process
- necessary health cover
- quick claims
- clear benefit limits
Is it currently safe to travel to Honduras?
As of June 2025, the US Department of State advises travelers to reconsider travel to Honduras due to widespread violent crime and the continued state of emergency in place across much of the country.
- Security risks: robbery, carjacking, extortion, and murder rates are some of the highest in the region. Travelers should avoid the Gracias a Dios Department and remain vigilant near banks, ATMs, or public transportation in Tegucigalpa.
- Health risks: a national emergency remains active due to a severe dengue fever outbreak. Other mosquito-borne diseases such as chikungunya, malaria, and Zika are common, with health facilities mostly adequate only in major cities.
- Legal considerations: strict laws apply to traveling with minors, including documentary requirements for children under 21 years old. Failure to present correct documents may result in denied entry or delays.
- Environmental concerns: Honduras is prone to hurricanes and seasonal flooding, particularly from June to November. Infrastructure in remote regions may be unreliable, affecting emergency response and evacuation.
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 Honduras.
Travel Insurance Requirements for Honduras
No, travel insurance is not mandatory for US travelers to enter Honduras.
Despite this, it is strongly recommended to have travel insurance due to the high rate of crime, public health risks like dengue fever, and limited access to quality medical care outside major cities such as Tegucigalpa or San Pedro Sula. Medical evacuation can be costly, and private clinics often require upfront payment.
According to our data, 80% of travelers purchase travel insurance before going to Honduras because of safety risks and the high cost of medical care or evacuation in case of emergency.
Why take out travel insurance for Honduras?
It is an essential financial and medical protection for anyone going to Honduras.
In Honduras, many hospitals and clinics outside Tegucigalpa and San Pedro Sula do not meet US standards. Foreigners are often referred to private hospitals like Hospital CEMESA in San Pedro Sula or Hospital Viera in Tegucigalpa, where costs can be high and upfront payment is required. Emergency evacuation may be needed for serious health issues.
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 Honduras.
| Example of medical treatment | Cost at Hospital CEMESA | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 70,000 HNL (about $2,850 USD) | 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 50,000 HNL (about $2,040 USD) | 100% |
| I need to be repatriated | 650,000 HNL (about $26,500 USD) | 100% |
| I have appendicitis (consultation and surgery) | 90,000 HNL (about $3,670 USD) | 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 Honduras Should Cover
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers emergency care, hospitalization, and treatment for common illnesses such as dengue or malaria. Recommended minimum reimbursement limit: $75,000. |
| 🚑 Medical evacuation | Pays for evacuation to the US or another country if adequate care is not available. Minimum recommended coverage: $150,000. |
| 💊 Prescription medication | Covers necessary prescription drugs if you become ill or injured. Recommended minimum coverage: $1,000. |
| ✈️ Trip cancellation | Refunds prepaid expenses if you must cancel your trip due to illness or emergencies. Recommended minimum: $2,000. |
| 🚗 Personal liability | Covers accidental damage or injury you may cause to others. Suggested minimum: $25,000. |
| 🛄 Baggage delay/loss | Covers costs if your luggage is lost, stolen, or delayed. Recommended coverage: $1,500. |
| 🦟 Epidemic/pandemic costs | Includes costs for quarantine or additional accommodations due to outbreaks like dengue or COVID-19. Minimum recommended coverage: $1,000. |
| 📞 24/7 emergency assistance | Access to multilingual support for medical, repatriation, or logistical help. Look for round-the-clock services. |
Recommended minimum reimbursement limit: $75,000.
Minimum recommended coverage: $150,000.
Recommended minimum coverage: $1,000.
Recommended minimum: $2,000.
Suggested minimum: $25,000.
Recommended coverage: $1,500.
Minimum recommended coverage: $1,000.
Look for round-the-clock services.
Travel insurance from local providers or bank cards often offers limited coverage, low limits, and many exclusions. It is safer to select a trusted insurer with comprehensive protection. Compare leading options on HelloSafe and subscribe online for immediate coverage verification.
The cost of travel insurance for Honduras
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $25 |
| 2 weeks | 45 years old | $38 |
| 1 month | 35 years old | $60 |
| 1 month | 70 years old | $142 |
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 is influenced by several key elements: your age, the length of your trip, your destination, the amount of coverage you select, and any add-ons like a cancellation option. Keeping these factors in mind is crucial for finding a policy that fits both your needs and your budget.
💡 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 Honduras
Here are some suggestions to optimize the cost of your travel insurance to Honduras while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🛡️ Level of coverage | Medical care is limited outside main cities, so adequate coverage is important. | Select core medical and evacuation benefits to meet your needs and avoid paying for unnecessary extras. |
| 👤 Traveler’s age | Age can significantly affect the cost, with higher premiums for older travelers. | Shop around for age-specific pricing; Heymondo does not increase its prices for people over 62. |
| 🗓️ Trip duration | Longer coverage periods raise the overall premium regardless of location. | Insure only the dates you will be in Honduras to avoid paying for unnecessary additional coverage days. |
| 👨👩👧👦 Number of travelers | Family or group policies may bring down the per-person price. | Choose family or group coverage if traveling together rather than separate individual policies. |
| 🌎 Area of coverage | Restricting the policy to Honduras or Central America can lower premiums. | Avoid worldwide coverage if traveling only to Honduras as it typically increases the cost of insurance. |
| 💳 Deductible amount | Selecting a higher deductible may reduce policy costs but increases out-of-pocket risk. | Opt for a deductible you can afford to lower upfront costs while preserving protection for major incidents. |
| 🏥 Pre-existing conditions | Including coverage for chronic conditions often increases the premium. | Only add coverage for pre-existing conditions if needed so you do not overpay for unnecessary extra protection. |
Important
Travel insurance is not required for entry to Honduras. However, U.S. travelers should choose coverage adequate for emergencies and medical evacuation due to limited facilities outside large cities.
Does my current insurance cover me in Honduras?
It is completely legitimate to wonder whether your current insurance—such as credit card or health plan—will cover you when traveling to Honduras. Unfortunately, this coverage is often limited or insufficient, especially for emergency and medical costs abroad.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Honduras? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage outside the U.S. No medical bills, hospital stays, evacuation, or repatriation supported. | Travel insurance provides $100,000+ in medical and $300,000+ for evacuation and repatriation. |
| Private health insurance (Aetna, Cigna, UnitedHealthcare) | Yes, partly | Emergency medical reimbursement, often below $25,000; does not cover repatriation, trip delay, or loss. | Travel insurance can cover $100,000+ in medical, $300,000+ evacuation, lost bags, and delays. |
| Classic credit card (Visa Classic, Mastercard Standard) | Yes, partly | Emergency medical up to $10,000, no guaranteed evacuation. No trip cancellation or baggage coverage. | Travel insurance covers higher limits and includes trip cancellation, delays, and baggage loss. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Mastercard World Elite) | Yes, partly | Medical emergency up to $50,000–$100,000, some trip delay/ loss, rarely covers full evacuation. | Travel insurance covers $500,000 evacuation, higher medical limits, and support for emergencies. |
Example
While diving in Roatán, Mark got decompression sickness. The emergency medevac and hyperbaric treatment cost $30,000. His US health insurance had no overseas coverage, and his premium Visa card’s travel benefit only covered $2,500. He was left with a shocking $27,500 bill for what started as a dream vacation.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to 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 a dedicated travel insurance tailored to the trip.
FAQ
Do I need a visa to travel to Honduras?
U.S. citizens do not need a visa for tourist visits to Honduras of up to 90 days. You must have a valid U.S. passport with at least six months of remaining validity and evidence of onward or return travel. Special entry requirements may apply for minors under 21 traveling alone or with only one parent.
How do I purchase travel insurance for Honduras?
Start by comparing plans through the HelloSafe travel insurance comparison tool. Next, check each policy for relevant coverage and exclusions, paying attention to healthcare and evacuation benefits suitable for Honduras. Buy your preferred plan online. After purchase, your certificate will be emailed to you—bring a copy while traveling.
Are mosquito-borne diseases covered by travel insurance in Honduras?
Many travel insurance policies include coverage for medical treatment related to diseases like dengue, malaria, or Zika, which are prevalent in Honduras. Review each plan to ensure it covers infectious diseases and related hospitalization, and consider plans offering emergency evacuation in severe cases.
Is trip cancellation insurance recommended for travel to Honduras?
Trip cancellation insurance is advisable for Honduras due to the risk of civil unrest, sudden national emergencies, or health outbreaks. This coverage reimburses you for non-refundable expenses, such as flights and accommodation, if events outside your control force you to cancel or interrupt your trip.
How reliable is healthcare in Honduras for travelers?
Healthcare in Honduras is only adequate in Tegucigalpa and San Pedro Sula. Facilities are limited elsewhere, and emergency evacuation may be necessary in remote or rural regions. For peace of mind, choose travel insurance that covers both emergency medical care and medical evacuation.
Do I need a visa to travel to Honduras?
U.S. citizens do not need a visa for tourist visits to Honduras of up to 90 days. You must have a valid U.S. passport with at least six months of remaining validity and evidence of onward or return travel. Special entry requirements may apply for minors under 21 traveling alone or with only one parent.
How do I purchase travel insurance for Honduras?
Start by comparing plans through the HelloSafe travel insurance comparison tool. Next, check each policy for relevant coverage and exclusions, paying attention to healthcare and evacuation benefits suitable for Honduras. Buy your preferred plan online. After purchase, your certificate will be emailed to you—bring a copy while traveling.
Are mosquito-borne diseases covered by travel insurance in Honduras?
Many travel insurance policies include coverage for medical treatment related to diseases like dengue, malaria, or Zika, which are prevalent in Honduras. Review each plan to ensure it covers infectious diseases and related hospitalization, and consider plans offering emergency evacuation in severe cases.
Is trip cancellation insurance recommended for travel to Honduras?
Trip cancellation insurance is advisable for Honduras due to the risk of civil unrest, sudden national emergencies, or health outbreaks. This coverage reimburses you for non-refundable expenses, such as flights and accommodation, if events outside your control force you to cancel or interrupt your trip.
How reliable is healthcare in Honduras for travelers?
Healthcare in Honduras is only adequate in Tegucigalpa and San Pedro Sula. Facilities are limited elsewhere, and emergency evacuation may be necessary in remote or rural regions. For peace of mind, choose travel insurance that covers both emergency medical care and medical evacuation.
