What are the best travel insurances for Saint Kitts and Nevis in 2025?
- The best travel insurance plans for Saint Kitts and Nevis
- Is it currently safe to travel to Saint Kitts and Nevis?
- Is travel insurance required by law to enter Saint Kitts and Nevis?
- Why take out travel insurance for Saint Kitts and Nevis?
- What should travel insurance for Saint Kitts and Nevis cover?
- The cost of travel insurance for Saint Kitts and Nevis
- How to pay less for your travel insurance to Saint Kitts and Nevis
- Using your current insurance in Saint Kitts and Nevis
- FAQ
Travel insurance for Saint Kitts and Nevis: key takeaways
1. Definition: Travel insurance for Saint Kitts and Nevis covers medical emergencies, trip cancellation, and repatriation costs.
2. Key protection: Insurance is not mandatory but is recommended for medical evacuation due to limited advanced facilities.
3. Price: A one-week travel insurance policy for Saint Kitts and Nevis costs around $30 to $60.
4. Good to know: Consider policies with hurricane coverage, as the season runs from June to November in the region.
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 Saint Kitts and Nevis.
The best travel insurance plans for Saint Kitts and Nevis
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Our top choice for Saint Kitts and Nevis travel. - high medical limit - repatriation included - strong coverage for emergencies |
| Cap Assistance 24/24 | $1.1M | Excellent coverage for short or family trips. - 24/7 medical helpline - cancellation protection - simple claims process |
| Tourist Card | $550k | Practical for tourism to Saint Kitts and Nevis. - good medical reimbursement - emergency assistance - competitive premium |
| Travel Pass Monde | $770k | Balanced for travelers seeking reliable support. - hospital costs covered - repatriation included - wide geographic protection |
| Globe Partner | $330k | Essential coverage for international visits. - medical care abroad - repatriation included - civil liability guarantee |
| Globe Traveller | $550k | Suitable for short or low-risk stays. - essential medical cover - rapid claims processing - limited reimbursement cap |
- high medical limit
- repatriation included
- strong coverage for emergencies
- 24/7 medical helpline
- cancellation protection
- simple claims process
- good medical reimbursement
- emergency assistance
- competitive premium
- hospital costs covered
- repatriation included
- wide geographic protection
- medical care abroad
- repatriation included
- civil liability guarantee
- essential medical cover
- rapid claims processing
- limited reimbursement cap
Is it currently safe to travel to Saint Kitts and Nevis?
As of June 2025, the US Department of State advises that Saint Kitts and Nevis is safe for travel and recommends exercising normal precautions.
Here are their four main recommendations.
- Security risks: petty crime, such as bag snatching or theft from vehicles, occurs in tourist areas. Avoid displaying valuables and use official taxis, especially at night in places like Basseterre or Frigate Bay.
- Health risks: while there are no mandatory vaccinations, cases of mosquito-borne diseases including dengue, chikungunya, and Zika have been reported in both islands. Medical facilities are generally adequate but advanced care may require evacuation.
- Legal requirements: all visitors must complete an online Immigration and Customs ED Form before arrival at knatravelform.kn. Travelers can be asked to show a return flight ticket, confirmed accommodation, and proof of sufficient funds at the border.
- Environmental hazards: the hurricane season runs from June to November, with a risk of severe weather and flooding. Watersports are popular but can involve risks, so always check local safety advice and weather conditions before engaging.
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 Saint Kitts and Nevis.
Is travel insurance required by law to enter Saint Kitts and Nevis?
No, travel insurance is not legally mandatory for US travelers to enter Saint Kitts and Nevis.
However, travel insurance is strongly recommended because medical costs and emergency evacuation can be very expensive in the Caribbean. Local hospitals may require immediate cash payment for any care, and advanced treatment often means airlifting to another country, which is not covered by US insurance.
According to our data, 80% of travelers purchase travel insurance before going to Saint Kitts and Nevis. This is mainly due to the high cost of private healthcare and the need for comprehensive medical evacuation and support.
Why take out travel insurance for Saint Kitts and Nevis?
It is an essential financial and medical protection for anyone going to Saint Kitts and Nevis.
Health costs can be high as visitors often rely on private clinics like JNF General Hospital in Basseterre for serious care. Public facilities may have limited resources, and for advanced treatment or emergencies, patients are typically airlifted to another country, with costs immediately payable by the patient.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in case of a serious illness or accident.
Here are some examples of healthcare costs in Saint Kitts and Nevis.
| Example of medical treatment | Cost at JNF General Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | XCD 4,000 (USD 1,500) | up to USD 1,500 |
| I broke my tibia (X-ray, cast, and crutch rental) | XCD 2,500 (USD 930) | up to USD 930 |
| I need to be repatriated | XCD 54,000 (USD 20,000) | up to USD 20,000 |
| I have appendicitis (consultation and surgery) | XCD 11,000 (USD 4,100) | up to USD 4,100 |
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 Saint Kitts and Nevis cover?
Here is a summary table of the main coverages you should look for in a travel insurance policy for Saint Kitts and Nevis.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Pays for emergency care, prescriptions, and specialist visits if you become ill or injured. We recommend at least USD 100,000 in medical expense coverage. |
| 🚑 Medical evacuation | Covers emergency transport to the US or a nearby country if local treatment is not sufficient. Minimum suggested limit: USD 100,000. |
| 🏨 Hospitalization | Reimburses stays at facilities such as JNF General Hospital in Basseterre for serious conditions. Adequate coverage: at least USD 50,000. |
| ✈️ Trip cancellation/interruption | Protects against losses from emergencies that force you to cancel or cut short your trip. Recommended minimum: USD 5,000 per person. |
| 💼 Baggage loss or damage | Reimburses for lost or damaged luggage. Recommended ceiling: USD 2,000 per traveler. |
| 🦟 Infectious disease care | Covers diagnosis and treatment for local diseases such as dengue or chikungunya. At least USD 10,000 in coverage is advised. |
| ⚖️ Personal liability | Pays legal costs if you accidentally cause injury or property damage to others. Minimum suggested coverage: USD 100,000. |
| 🚗 Rental car protection | Protects against costs for damage or theft of a rental vehicle. At least USD 25,000 in rental vehicle coverage is advised. |
We recommend at least USD 100,000 in medical expense coverage.
Minimum suggested limit: USD 100,000.
Adequate coverage: at least USD 50,000.
Recommended minimum: USD 5,000 per person.
Recommended ceiling: USD 2,000 per traveler.
At least USD 10,000 in coverage is advised.
Minimum suggested coverage: USD 100,000.
At least USD 25,000 in rental vehicle coverage is advised.
Travel insurance from local providers or bank cards often has low limits and excludes many risks. It is safer to choose a well-known insurer with broad coverage. Compare top choices on HelloSafe and subscribe online to get instant certification.
The cost of travel insurance for Saint Kitts and Nevis
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | USD 36 |
| 2 weeks | 45 years old | USD 52 |
| 1 month | 35 years old | USD 67 |
| 1 month | 70 years old | USD 141 |
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 is influenced by several key factors: your age, the duration of your trip, the destination, your selected coverage limits, and any optional add-ons like cancellation protection. It's important to consider these elements to choose the most suitable and cost-effective plan for your trip to Saint Kitts and Nevis.
💡 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 Saint Kitts and Nevis
Here are some suggestions to optimize the cost of your travel insurance to Saint Kitts and Nevis while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | The longer your stay in Saint Kitts and Nevis, the higher your insurance will cost. | Select coverage for your exact travel dates instead of rounding up, and avoid over-insuring for extra days. |
| 👥 Traveller's age | Pricing can increase for travelers over 60, but Heymondo does not increase cost for those over 62. | Compare insurers for your age group. The insurer Heymondo does not increase its prices for people over 62. |
| 🧳 Activities planned | Watersports and adventure add risks and can increase costs. Basic coverage suffices for most standard activities. | Only add extra coverage if needed for specific sports or excursions on your itinerary. |
| 💊 Pre-existing conditions | Declaring medical conditions raises costs, but is essential for reliable coverage in Saint Kitts and Nevis. | Disclose only relevant conditions and consider policies with partial or capped coverage to reduce premiums. |
| 💵 Level of coverage | Choosing very high medical limits increases premiums. Consider local medical circumstances before selecting a tier. | Select $100k minimum for medical and $500 for baggage unless you have high-value needs needing more. |
| 👨👩👧👦 Number of travelers | Group or family policies can lower the overall cost per traveler in Saint Kitts and Nevis. | Request family/group quotes instead of separate individual policies for savings on multi-person trips. |
| 🚗 Deductible | High deductibles lower premiums, but can mean higher costs in case of a claim in Saint Kitts and Nevis. | Increase your deductible for a lower premium if you are able to pay the difference in the event of a claim. |
Using your current insurance in Saint Kitts and Nevis
It’s completely legitimate to wonder if your current coverage—such as public or private health insurance, or your credit card insurance—will protect you during a trip to Saint Kitts and Nevis. Unfortunately, these solutions are often insufficient for serious incidents, especially regarding medical repatriation, baggage, or trip cancellation.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Saint Kitts and Nevis? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage outside the US mainland; no medical, hospital, or evacuation benefits | Travel insurance covers $100,000+ in medical care and repatriation |
| Private health insurance | Yes, partly | Emergency medical only, often max $25,000; usually excludes evacuation or trip issues | Travel insurance includes up to $250,000 medical, evacuation, and extras like baggage and delays |
| Classic credit card (Chase Freedom, Citi Simplicity, Capital One Platinum) | Yes, partly | Accident/medical can reach $2,500-$10,000; usually no trip cancellation or lost bags | Travel insurance offers $50,000+ in care, bags, cancellations, and real 24/7 support |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Mastercard World) | Yes, partly | Emergency medical up to $100,000; trip delay, lost bag, some limits apply | Travel insurance goes up to $500,000+ for medical/evac, trip cancellation, and better on-ground coverage |
Example
Scuba diving in Nevis, Mike got decompression sickness, requiring a $40,000 medevac to Miami. His Chase Sapphire card covered only $2,000, and his U.S. health plan denied the foreign evacuation claim. He was unexpectedly left with a $38,000 bill, a devastating cost for a vacation activity.
Expert advice
Always check your existing insurance's terms, exclusions, and limits. Critical events, like trip interruption for a relative’s illness, may not be covered. Read the fine print carefully to avoid surprises abroad. In all cases, it is safer and more reassuring to subscribe to a dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Saint Kitts and Nevis?
U.S. citizens do not need a visa to visit Saint Kitts and Nevis for stays of up to 90 days. You will need a valid U.S. passport with at least six months of validity remaining and at least one blank page for entry stamps. An onward or return ticket and completion of an online immigration form before arrival are also required.
How do I purchase travel insurance for Saint Kitts and Nevis?
To buy travel insurance for Saint Kitts and Nevis, first compare different providers using the HelloSafe travel insurance comparison tool. Review the coverage and exclusions, considering specific risks in Saint Kitts and Nevis such as medical evacuation and watersports activities. Complete your purchase securely online, then receive your insurance certificate by email.
What types of incidents are covered by travel insurance in Saint Kitts and Nevis?
Most travel insurance policies provide coverage for unexpected medical expenses, emergency medical evacuation, lost or delayed baggage, and trip interruptions. In Saint Kitts and Nevis, insurance often includes support for hurricane-related delays and common illnesses like dengue or chikungunya. Always review the policy for specific covered events and exclusions.
Is it possible to buy travel insurance after arriving in Saint Kitts and Nevis?
Some insurers allow users to purchase travel insurance after arrival, but coverage typically starts 24 to 48 hours after the purchase. It is best to secure your policy before leaving the United States to ensure you are protected from your departure date and to avoid gaps in coverage during travel.
What should I do if I need emergency medical assistance while in Saint Kitts and Nevis?
If you require emergency medical assistance in Saint Kitts and Nevis, contact your insurance company's emergency hotline immediately. They will guide you to an approved medical facility and can coordinate payment guarantees, medical evacuation, or repatriation if necessary. Keep your policy number and the insurer’s emergency contact information with you at all times during your trip.
Are adventure activities like water sports covered under travel insurance for Saint Kitts and Nevis?
Many standard travel insurance policies do not automatically cover adventure activities such as water sports, which are popular in Saint Kitts and Nevis. If you plan to engage in scuba diving, snorkeling, or other adventure sports, check if your policy includes these activities or consider purchasing additional coverage. Read all policy documents carefully for clarifications on exclusions and policy limits regarding adventure activities.
Do I need a visa to travel to Saint Kitts and Nevis?
U.S. citizens do not need a visa to visit Saint Kitts and Nevis for stays of up to 90 days. You will need a valid U.S. passport with at least six months of validity remaining and at least one blank page for entry stamps. An onward or return ticket and completion of an online immigration form before arrival are also required.
How do I purchase travel insurance for Saint Kitts and Nevis?
To buy travel insurance for Saint Kitts and Nevis, first compare different providers using the HelloSafe travel insurance comparison tool. Review the coverage and exclusions, considering specific risks in Saint Kitts and Nevis such as medical evacuation and watersports activities. Complete your purchase securely online, then receive your insurance certificate by email.
What types of incidents are covered by travel insurance in Saint Kitts and Nevis?
Most travel insurance policies provide coverage for unexpected medical expenses, emergency medical evacuation, lost or delayed baggage, and trip interruptions. In Saint Kitts and Nevis, insurance often includes support for hurricane-related delays and common illnesses like dengue or chikungunya. Always review the policy for specific covered events and exclusions.
Is it possible to buy travel insurance after arriving in Saint Kitts and Nevis?
Some insurers allow users to purchase travel insurance after arrival, but coverage typically starts 24 to 48 hours after the purchase. It is best to secure your policy before leaving the United States to ensure you are protected from your departure date and to avoid gaps in coverage during travel.
What should I do if I need emergency medical assistance while in Saint Kitts and Nevis?
If you require emergency medical assistance in Saint Kitts and Nevis, contact your insurance company's emergency hotline immediately. They will guide you to an approved medical facility and can coordinate payment guarantees, medical evacuation, or repatriation if necessary. Keep your policy number and the insurer’s emergency contact information with you at all times during your trip.
Are adventure activities like water sports covered under travel insurance for Saint Kitts and Nevis?
Many standard travel insurance policies do not automatically cover adventure activities such as water sports, which are popular in Saint Kitts and Nevis. If you plan to engage in scuba diving, snorkeling, or other adventure sports, check if your policy includes these activities or consider purchasing additional coverage. Read all policy documents carefully for clarifications on exclusions and policy limits regarding adventure activities.
