Best Travel Insurance for Jersey in 2025
- The best travel insurance for Jersey
- Is it currently safe to travel to Jersey?
- Travel Insurance Requirements for a Visa to Jersey
- Why take out travel insurance for Jersey?
- The coverage included in travel insurance for Jersey
- The cost of travel insurance for Jersey
- How to pay less for your travel insurance to Jersey
- Your current insurance coverage in Jersey
- FAQ
Travel insurance for Jersey: key takeaways
1. Definition: Travel insurance for Jersey covers medical emergencies, trip cancellation, and lost luggage during your stay.
2. Key protection: Insurance is not required for US citizens, but it is highly recommended for medical coverage.
3. Healthcare cost: Healthcare for visitors is private and expensive, potentially costing over $1,000 for a hospital night.
4. Price: A one-week travel insurance policy for Jersey typically costs between $30 and $70.
5. Good to know: Your US health insurance, including Medicare, likely offers no coverage in Jersey.
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 Jersey.
The best travel insurance for Jersey
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Our recommendation for confident travel to Jersey. - high reimbursement ceiling - medical evacuation included - extensive overseas support |
| Cap Assistance 24/24 | $1.1M | A sound choice for comprehensive support in Jersey. - 24/7 medical assistance - strong hospitalization cover - cancellation benefit |
| Tourist Card | $545k | Effective for tourism to Jersey with essential protection. - reliable medical cover - emergency assistance - well-balanced price |
| Travel Pass Monde | $765k | Balanced policy for travel needs in Jersey. - hospital costs reimbursed - repatriation coverage - wide international scope |
| Globe Partner | $330k | Sensible option for stays in Jersey requiring core guarantees. - medical care included - emergency repatriation - civil liability protection |
| Globe Traveller | $545k | Affordable solution for shorter and low-risk stays in Jersey. - basic medical cover - swift reimbursement - coverage tailored for essential travel requirements |
- high reimbursement ceiling
- medical evacuation included
- extensive overseas support
- 24/7 medical assistance
- strong hospitalization cover
- cancellation benefit
- reliable medical cover
- emergency assistance
- well-balanced price
- hospital costs reimbursed
- repatriation coverage
- wide international scope
- medical care included
- emergency repatriation
- civil liability protection
- basic medical cover
- swift reimbursement
- coverage tailored for essential travel requirements
Is it currently safe to travel to Jersey?
As of June 2025, the U.S. Department of State advises travelers to Jersey to exercise increased caution due to the ongoing risk of terrorism and heightened security concerns.
Here are their four main recommendations.
- Security risks: crowded public areas, transportation hubs, and popular tourist sites are potential targets for terrorist attacks. Remain vigilant, especially near events or in the capital, St. Helier, and avoid large gatherings.
- Health risks: medical care is widely available but non-residents are charged 150% of National Health Service treatment costs. No vaccinations are required, but unexpected illness or accidents may result in expensive hospital bills for visitors.
- Entry requirements: an Electronic Travel Authorization (ETA) is mandatory for all U.S. citizens staying in Jersey for tourism, business, or family visits. The ETA must be secured before arrival and is valid for up to six months.
- Legal issues: drug laws are strictly enforced, including for prescription medications not recognized in Jersey. For example, bringing certain painkillers without proof can result in confiscation or fines.
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 Jersey.
Travel Insurance Requirements for a Visa to Jersey
No, travel insurance is not mandatory for U.S. travelers to obtain a visa for Jersey.
While not required for entry, having travel insurance is highly recommended. Medical care in Jersey is expensive for non-residents, with tourists typically charged 150% of normal National Health Service rates, meaning unexpected illness or accidents could result in significant out-of-pocket costs.
According to our data, 50% of travelers purchase travel insurance before going to Jersey. This rate reflects both the relatively safe conditions and the high potential costs of healthcare for visitors.
Why take out travel insurance for Jersey?
It is an essential financial and medical protection for anyone going to Jersey.
In Jersey, foreign visitors must pay private rates at clinics like Jersey General Hospital in St. Helier, where costs are significantly higher than for residents. Emergency care or hospitalization can quickly become expensive, and treatment must often be paid upfront before receiving further medical attention.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in case of a serious issue.
Here are some examples of healthcare costs in Jersey.
| Example of medical treatment | Cost at Jersey General Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | £2,000 ($2,500) | up to $1,000,000 |
| I broke my tibia (X-ray, cast, and crutch rental) | £1,200 ($1,500) | up to $1,000,000 |
| I need to be repatriated | £15,000 ($18,500) | up to $1,000,000 |
| I have appendicitis (consultation and surgery) | £5,000 ($6,200) | up to $1,000,000 |
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 coverage included in travel insurance for Jersey
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers hospital stays, emergency treatment, and consultations for injuries or illnesses. We recommend at least $300,000 in reimbursement limit. |
| 🚑 Medical evacuation | Pays for transportation to a suitable medical facility or repatriation to the US. Minimum recommended limit: $200,000. |
| 💊 Medication reimbursement | Covers costs for prescribed medications during your stay. Recommended limit: $1,500. |
| 🧳 Baggage loss or theft | Compensates for lost, stolen, or damaged personal belongings. We suggest a minimum limit of $2,000. |
| ✈️ Trip cancellation | Reimburses prepaid travel costs if your trip is disrupted by emergencies. Recommended limit: $3,000. |
| ⛑️ Personal liability | Covers accidental injuries or property damage you may cause to others. Recommended minimum: $150,000. |
| 📞 24/7 assistance service | Provides multilingual help in emergencies, including legal or medical issues. Ensure this service is included at no extra cost. |
We recommend at least $300,000 in reimbursement limit.
Minimum recommended limit: $200,000.
Recommended limit: $1,500.
We suggest a minimum limit of $2,000.
Recommended limit: $3,000.
Recommended minimum: $150,000.
Ensure this service is included at no extra cost.
Travel insurance from local providers or basic bank card coverage often comes with low reimbursement limits, strict exclusions, or insufficient services. For reliable protection, compare top insurers on HelloSafe and subscribe online for instant certification and peace of mind.
The cost of travel insurance for Jersey
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $28 |
| 2 weeks | 45 years old | $39 |
| 1 month | 35 years old | $52 |
| 1 month | 70 years old | $115 |
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 level of coverage you select, and optional add-ons like trip cancellation. 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 Jersey
Here are some suggestions to optimize the cost of your travel insurance to Jersey while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | Longer trips increase total insurance costs due to higher risk exposure over time. | Choose coverage only for the actual days in Jersey, not transit days. Limit unnecessary days. |
| 👤 Traveler's age | Age can significantly affect premiums, especially for senior travelers visiting Jersey. | Insurer Heymondo does not increase its prices for people over 62. Compare age brackets before choosing. |
| 🩺 Level of medical coverage | Jersey charges tourists 150% of NHS costs, so high medical limits may drive up premiums. | Select a reasonable deductible to lower your premium. Adjust medical limit to your health risk profile. |
| ✈️ Type of activities | Risky activities, like water sports in Jersey, increase insurance pricing due to higher claims. | Avoid insuring extreme sports if not planned. Only select activity riders needed for your trip. |
| 👪 Number of travelers | Group or family policies may offer better value than purchasing individual insurance. | Use multi-traveler policies for families or groups. Opt for family plans if traveling together. |
| 💳 Payment method | Some credit cards provide limited free travel coverage that can supplement a standalone policy. | Check your US credit card’s insurance and fill coverage gaps. Only pay for what you lack. |
| 🏠 Policy flexibility | Refundable and modifiable policies can be more expensive than standard non-refundable ones. | Choose non-refundable policies if your plans are fixed. Save by locking in a standard plan. |
Your current insurance coverage in Jersey
It is completely legitimate to wonder whether your current coverage, such as public or private health insurance, or even your credit card, could protect you for a trip to Jersey. Unfortunately, this protection is usually limited or incomplete for international travel. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Jersey? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage for overseas care, no reimbursement for medical or hospital expenses in Jersey | Travel insurance covers $100,000+ for medical treatment and emergency evacuation |
| Private health insurance (Aetna, Blue Cross Blue Shield, Cigna) | Yes, partly | Possible reimbursement, often limited to $25,000, excludes repatriation or travel disruptions | Travel insurance covers $100,000+ medical costs and full repatriation |
| Classic credit card (Chase Freedom, Capital One Platinum, Amex Blue) | Yes, partly | Medical fees up to $5,000-$10,000, often no baggage or trip cancellation benefits | Travel insurance covers $100,000+ plus baggage loss and trip interruption |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical fees up to $100,000, limited trip delay and baggage coverage | Travel insurance covers trip cancellation up to $5,000 and 24/7 emergency assistance |
Example
While coasteering in Jersey, Mark suffered a severe head injury. The hospital bill was $25,000. His Chase Sapphire card's travel insurance only paid $2,000, and his US health plan considered the Jersey hospital out-of-network, covering almost nothing. He was left with a shocking $23,000 bill for his adventure.
Expert advice
Always check your existing insurance terms, exclusions, and limits. Critical situations, like trip interruption for a relative’s illness, may be excluded. Read the fine print to avoid surprises abroad. In all cases, it's safer and more reassuring to purchase dedicated travel insurance tailored to your specific trip.
FAQ
Do I need a visa to travel to Jersey?
U.S. citizens do not need a visa for short visits to Jersey of up to six months for tourism, business meetings, family visits, or conferences. However, since January 8, 2025, all travelers from the United States must apply for an Electronic Travel Authorization (ETA) before arrival. A valid U.S. passport is also required for entry.
How do I purchase travel insurance for Jersey?
Start by comparing offers, using tools such as the HelloSafe travel insurance comparison tool. Check the policy details and exclusions, making sure coverage suits your needs for Jersey. Purchase your policy online, then receive your insurance certificate by email. Always keep this certificate with you during your trip.
What medical treatment costs should I expect in Jersey?
Medical care is widely available but visitors are charged at private rates, which can be significantly higher than in the United States. For example, tourists may pay 150% of UK NHS treatment costs. Without travel insurance, you could be responsible for hundreds or even thousands of dollars for emergency medical services.
Is it possible to get travel insurance that includes COVID-19 coverage for Jersey?
Yes, most travel insurers now offer coverage related to COVID-19, including emergency medical expenses and trip cancellation or interruption due to a COVID-19 diagnosis. Always verify these specifics in your policy before purchasing, as coverage levels and requirements vary among insurers.
What should I do if I need emergency assistance in Jersey?
If you encounter a medical or travel emergency, contact your travel insurance provider immediately using their 24/7 assistance hotline. They will guide you through medical procedures, direct you to local hospitals, arrange payments, or even coordinate emergency evacuation if required. Always have your insurance certificate and provider contact details accessible.
Do I need a visa to travel to Jersey?
U.S. citizens do not need a visa for short visits to Jersey of up to six months for tourism, business meetings, family visits, or conferences. However, since January 8, 2025, all travelers from the United States must apply for an Electronic Travel Authorization (ETA) before arrival. A valid U.S. passport is also required for entry.
How do I purchase travel insurance for Jersey?
Start by comparing offers, using tools such as the HelloSafe travel insurance comparison tool. Check the policy details and exclusions, making sure coverage suits your needs for Jersey. Purchase your policy online, then receive your insurance certificate by email. Always keep this certificate with you during your trip.
What medical treatment costs should I expect in Jersey?
Medical care is widely available but visitors are charged at private rates, which can be significantly higher than in the United States. For example, tourists may pay 150% of UK NHS treatment costs. Without travel insurance, you could be responsible for hundreds or even thousands of dollars for emergency medical services.
Is it possible to get travel insurance that includes COVID-19 coverage for Jersey?
Yes, most travel insurers now offer coverage related to COVID-19, including emergency medical expenses and trip cancellation or interruption due to a COVID-19 diagnosis. Always verify these specifics in your policy before purchasing, as coverage levels and requirements vary among insurers.
What should I do if I need emergency assistance in Jersey?
If you encounter a medical or travel emergency, contact your travel insurance provider immediately using their 24/7 assistance hotline. They will guide you through medical procedures, direct you to local hospitals, arrange payments, or even coordinate emergency evacuation if required. Always have your insurance certificate and provider contact details accessible.
