What are the best travel insurances for Réunion in 2025?
- The best travel insurance plans for Réunion
- Is it currently safe to travel to Réunion?
- Is travel insurance required by law to enter Réunion?
- Why take out travel insurance for Réunion?
- What should travel insurance for Réunion cover?
- The cost of travel insurance for Réunion
- How to Pay Less for Your Travel Insurance to Réunion
- Does my current insurance cover me in Réunion?
- FAQ
Travel insurance for Réunion: key takeaways
1. Definition: Travel insurance for Réunion covers medical emergencies, trip cancellation, and lost baggage during your stay.
2. Key protection: Insurance is not mandatory but is highly recommended for covering potential high medical or repatriation costs.
3. Healthcare cost: Healthcare is high quality but expensive; a hospital night can cost over $1,000 for foreigners.
4. Price: A one-week travel insurance plan for Réunion typically costs between $30 and $60.
5. Good to know: Ensure your policy covers adventure sports like hiking or canyoning, which are popular on the island.
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 Réunion.
The best travel insurance plans for Réunion
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Our top recommendation for Réunion. - very high medical ceiling - repatriation included - suitable for cyclone and epidemic risk areas |
| Cap Assistance 24/24 | $1.1M | Suited for short visits with active support. - 24/7 emergency helpline - no deductible - cancellation cover |
| Tourist Card | $550k | Good for general tourism in Réunion. - solid core protection - emergency assistance - competitive cost |
| Travel Pass Monde | $770k | Balanced for those seeking comprehensive support. - hospital costs - covers repatriation and medical evacuations |
| Globe Partner | $330k | Simple, essential coverage for trips to Réunion. - covers medical care - repatriation - civil liability |
| Globe Traveller | $550k | Affordable option for short and lower-risk stays. - basic emergency cover - prompt claims process - sensible limits |
- very high medical ceiling
- repatriation included
- suitable for cyclone and epidemic risk areas
- 24/7 emergency helpline
- no deductible
- cancellation cover
- solid core protection
- emergency assistance
- competitive cost
- hospital costs
- covers repatriation and medical evacuations
- covers medical care
- repatriation
- civil liability
- basic emergency cover
- prompt claims process
- sensible limits
Is it currently safe to travel to Réunion?
As of June 2025, the US Department of State advises travelers to exercise increased caution when visiting Réunion. The overall risk level is moderate, primarily due to weather events and occasional civil unrest as part of the broader France advisory.
- Security risks: petty theft and occasional burglaries can occur, particularly in Saint-Denis and tourist areas like Saint-Gilles-les-Bains. Unrest or protests may arise during major political events.
- Health risks: vector-borne diseases such as Zika and Chikungunya are present. The island has experienced periodic dengue outbreaks and travelers should follow precautions against mosquito bites.
- Environmental hazards: cyclone season brings the risk of severe storms and flooding, especially between December and April. Hiking near active volcanic areas such as Piton de la Fournaise also carries inherent risks.
- Legal requirements: proof of onward or return travel is required at the border, and routine vaccinations including MMR are strongly advised due to global outbreaks.
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 Réunion.
Is travel insurance required by law to enter Réunion?
No, travel insurance is not mandatory for US citizens to enter Réunion.
However, it is strongly recommended by both US authorities and local officials due to the high cost of medical care, the risk of natural disasters like cyclones, and the possibility of requiring emergency evacuation to mainland France or another country. Travel insurance can offer coverage for these sudden and expensive situations.
According to our data, 80% of travelers purchase travel insurance before going to Réunion. This is mainly due to the high potential cost of local and international healthcare in case of emergency.
Why take out travel insurance for Réunion?
It is an essential financial and medical protection for anyone going to Réunion.
In Réunion, medical costs can quickly become significant, especially for foreigners at private hospitals like Clinique Sainte-Clotilde in Saint-Denis. Access to high-quality care can be expensive, and in serious cases, medical evacuation to France may be needed, resulting in even higher bills.
Travel insurance covers medical expenses, hospitalization costs, medications, ambulance transportation and repatriation fees to the United States in case of a serious incident.
Here are some examples of healthcare costs in Réunion.
| Example of medical treatment | Cost at Clinique Sainte-Clotilde | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 1,800 EUR (about 1,950 USD) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 1,200 EUR (about 1,300 USD) | up to 100% |
| I need to be repatriated | 15,000 EUR (about 16,300 USD) | up to 100% |
| I have appendicitis (consultation and surgery) | 4,000 EUR (about 4,350 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 should travel insurance for Réunion cover?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor visits, hospital stays, and emergency medical treatment. We recommend at least $100,000 in coverage due to high private healthcare costs and potential for evacuation. |
| 🚑 Medical evacuation | Pays for emergency transport to the United States or another country when local care is not sufficient. Choose at least $250,000 in coverage, as evacuations from Réunion are costly. |
| ✈️ Trip cancellation | Reimburses prepaid and non-refundable expenses in case you must cancel due to a covered reason. A minimum of $5,000 is suggested for flight and accommodation costs. |
| 🧳 Baggage loss/delay | Compensates you if your luggage is lost, stolen, or significantly delayed. We recommend coverage of at least $2,000 for personal items and essentials. |
| 💊 Prescription drugs | Covers replacement of essential medications if needed while abroad. A minimum of $750 is recommended for unexpected pharmacy needs. |
| 👨⚖️ Personal liability | Provides protection if you accidentally injure someone or damage property. At least $100,000 in liability coverage is suggested for travel to Réunion. |
| 🕒 Travel delay | Pays for meals and accommodation if your travel is delayed for specified reasons. Include coverage of at least $1,000 for unexpected delays. |
We recommend at least $100,000 in coverage due to high private healthcare costs and potential for evacuation.
Choose at least $250,000 in coverage, as evacuations from Réunion are costly.
A minimum of $5,000 is suggested for flight and accommodation costs.
We recommend coverage of at least $2,000 for personal items and essentials.
A minimum of $750 is recommended for unexpected pharmacy needs.
At least $100,000 in liability coverage is suggested for travel to Réunion.
Include coverage of at least $1,000 for unexpected delays.
Travel insurance from local providers or bank cards often has low coverage limits and many exclusions. It is safer to choose a reputable insurer that offers comprehensive protection. Compare top plans on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Réunion
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $36 USD |
| 2 weeks | 45 years old | $54 USD |
| 1 month | 35 years old | $90 USD |
| 1 month | 70 years old | $148 USD |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of travel insurance depends on several factors: your age, trip duration, destination, desired coverage limits, and optional add-ons like trip cancellation. Keeping these in mind is essential to choosing the right policy for your trip to Réunion, ensuring you get the coverage you need at a fair price.
💡 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 Réunion
Here are some suggestions to optimize the cost of your travel insurance to Réunion while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🛄 Trip duration | Premiums are based on the number of days insured. Longer trips cost more even if risk stays the same each day. | Select exact travel dates only so you do not pay extra for coverage you do not use. |
| ✈️ Level of coverage | Higher coverage increases cost. Good local healthcare and low personal risk can justify more modest coverage limits for Réunion. | Choose moderate but sufficient limits that suit your needs rather than the maximum available. |
| 👥 Number of travelers | Group or family plans are often cheaper per person than individual policies purchased separately. | Ask for group rates if traveling as a family or with friends to reduce the average premium. |
| 🔍 Deductibles | Choosing a higher deductible means lower premiums, but you will pay more in the event of a claim. | Consider a higher deductible if you can afford it to decrease your upfront policy costs. |
| 🧑🦳 Traveler’s age | Premiums may rise with older age, especially over 60. Not all insurers treat age the same. | Compare different insurers; Heymondo does not increase rates for people over 62. |
| 🏝️ Local activities | Extra coverage for sports or adventure activities can increase premiums and may not be necessary for all travelers to Réunion. | Only add coverage for specific activities you actually plan to do, like hiking or diving. |
| 🌍 Destination region | Some policies cover multiple areas or countries, increasing cost. Réunion-only coverage is often cheaper if not visiting other places. | Pick a France & Réunion-only plan if your trip does not include additional destinations. |
Does my current insurance cover me in Réunion?
It’s completely legitimate to wonder if your existing coverage—such as credit card insurance or your public and private health insurance—can protect you during a trip to Réunion. Unfortunately, this coverage is often limited or insufficient.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Réunion? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance | No, never | No coverage for medical care or emergencies outside the United States. | Travel insurance can cover $100,000+ for emergencies, repatriation, and hospitalization abroad. |
| Private health insurance | Yes, partly | May reimburse some medical care upon return, often excludes emergency evacuation and prepayment. | Travel insurance covers up to $250,000+, pays hospitals directly, and includes evacuation cover. |
| Classic credit card (Visa Classic, Mastercard Standard) | Yes, partly | Emergency medical up to $2,500, limited lost baggage, trip cancellation rarely included. | Travel insurance often covers $100,000+, plus lost baggage, delays, and all medical transport. |
| Premium credit card (Chase Sapphire, Amex Gold, Citi Premier) | Yes, partly | Medical emergencies up to $50,000, some baggage/trip delay cover, evacuation not guaranteed. | Travel insurance can provide $250,000+ health, trip cancellation, and 24/7 emergency assistance. |
Example
While canyoning in Réunion, Mark suffered a spinal injury. The helicopter evacuation and surgery cost $45,000. His Chase Sapphire card's travel insurance only paid $2,500, and his US health plan wouldn't cover the foreign evacuation. Without specific travel insurance, he faced a staggering $42,500 bill for his adventure.
Expert advice
Always check your existing insurance's terms, exclusions, and limits. 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 a dedicated travel insurance tailored to the trip.
FAQ
Do I need a visa to travel to Réunion?
US citizens do not need a visa to visit Réunion for stays up to 90 days within a 180-day period. Your US passport must be valid for at least 90 days beyond your planned departure, and you may be asked to show proof of onward or return travel when you arrive.
How do I purchase travel insurance for Réunion?
To purchase travel insurance for Réunion, first compare policies using the HelloSafe travel insurance comparison tool. Review each plan's guarantees and exclusions relevant to Réunion, including coverage for natural disasters or health issues. Complete your purchase online, then receive your certificate by email for your records.
Are there specific health precautions travelers should consider for Réunion?
Standard vaccinations such as MMR, COVID-19, hepatitis A, and B are recommended, especially due to a global measles outbreak. Protect yourself from mosquito bites to reduce the risk of Zika and Chikungunya. Travelers should also follow food and water safety practices, especially in rural areas or when consuming street food.
Does travel insurance for Réunion cover natural disasters like cyclones?
Many travel insurance plans cover trip interruptions, delays, or cancellation due to severe weather events such as cyclones, especially during cyclone season. Check that your policy specifically lists these events under covered risks and provides for evacuation expenses if necessary. Coverage limits for these risks are often $500 to $2,000.
Where can I get help in an emergency while in Réunion?
In an emergency, US citizens in Réunion receive consular assistance from the US Embassy in Port Louis, Mauritius, reachable at +(230) 202-4400. During severe weather or public safety incidents, always follow instructions from local authorities. Registering with the Smart Traveler Enrollment Program (STEP) allows the embassy to contact you quickly if needed.
Do I need a visa to travel to Réunion?
US citizens do not need a visa to visit Réunion for stays up to 90 days within a 180-day period. Your US passport must be valid for at least 90 days beyond your planned departure, and you may be asked to show proof of onward or return travel when you arrive.
How do I purchase travel insurance for Réunion?
To purchase travel insurance for Réunion, first compare policies using the HelloSafe travel insurance comparison tool. Review each plan's guarantees and exclusions relevant to Réunion, including coverage for natural disasters or health issues. Complete your purchase online, then receive your certificate by email for your records.
Are there specific health precautions travelers should consider for Réunion?
Standard vaccinations such as MMR, COVID-19, hepatitis A, and B are recommended, especially due to a global measles outbreak. Protect yourself from mosquito bites to reduce the risk of Zika and Chikungunya. Travelers should also follow food and water safety practices, especially in rural areas or when consuming street food.
Does travel insurance for Réunion cover natural disasters like cyclones?
Many travel insurance plans cover trip interruptions, delays, or cancellation due to severe weather events such as cyclones, especially during cyclone season. Check that your policy specifically lists these events under covered risks and provides for evacuation expenses if necessary. Coverage limits for these risks are often $500 to $2,000.
Where can I get help in an emergency while in Réunion?
In an emergency, US citizens in Réunion receive consular assistance from the US Embassy in Port Louis, Mauritius, reachable at +(230) 202-4400. During severe weather or public safety incidents, always follow instructions from local authorities. Registering with the Smart Traveler Enrollment Program (STEP) allows the embassy to contact you quickly if needed.
