What are the best travel insurances for Trinidad and Tobago in 2025?
- The best travel insurance plans for Trinidad and Tobago
- Is it currently safe to travel to Trinidad and Tobago?
- Is travel insurance required by law to enter Trinidad and Tobago?
- Why take out travel insurance for Trinidad and Tobago?
- What travel insurance for Trinidad and Tobago should cover
- The cost of travel insurance for Trinidad and Tobago
- How to pay less for your travel insurance to Trinidad and Tobago
- Can I rely on my current insurance to cover me in Trinidad and Tobago?
- FAQ
Travel insurance for Trinidad and Tobago: key takeaways
1. Definition: Travel insurance for Trinidad and Tobago covers medical emergencies, trip cancellation, and lost baggage.
2. Warning: The U.S. State Department advises reconsidering travel to Trinidad and Tobago due to crime.
3. Key protection: Travel insurance is not mandatory but is highly recommended for medical and security reasons.
4. Price: A one-week travel insurance policy for this trip typically costs between $30 and $60.
5. Good to know: U.S. citizens must declare any currency amounts exceeding $5,000 USD upon entry and exit.
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 everything you need to know to choose the best travel insurance for Trinidad and Tobago.
The best travel insurance plans for Trinidad and Tobago
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Trusted choice for comprehensive travel to Trinidad and Tobago. - high medical ceiling - repatriation included - modern, flexible guarantees |
| Cap Assistance 24/24 | $1.1M | Strong protection for short trips and emergencies. - 24/7 medical support - trip cancellation - no deductible |
| Tourist Card | $550k | Practical for tourists visiting Trinidad and Tobago with balanced features. - reliable medical limit - emergency helpline - attractive price |
| Travel Pass Monde | $770k | Balanced plan for travelers seeking overseas support. - repatriation included - hospital care covered - wide area coverage |
| Globe Partner | $330k | Suitable for extended stays abroad, with essential coverage and easy claims process. - overseas medical care - repatriation - civil liability |
| Globe Traveller | $550k | Smart option for short trips with key coverage needs. - essential medical support - responsive reimbursement - limited maximum |
- high medical ceiling
- repatriation included
- modern, flexible guarantees
- 24/7 medical support
- trip cancellation
- no deductible
- reliable medical limit
- emergency helpline
- attractive price
- repatriation included
- hospital care covered
- wide area coverage
- overseas medical care
- repatriation
- civil liability
- essential medical support
- responsive reimbursement
- limited maximum
Is it currently safe to travel to Trinidad and Tobago?
As of June 2025, the US Department of State advises travelers to reconsider travel to Trinidad and Tobago due to the high level of violent crime, terrorism risk, and the potential for kidnapping. Current guidance is Level 3: Reconsider Travel.
Main Recommendations
- Security risks: rates of armed robbery, assault, and kidnapping are high in several areas of Trinidad, especially Laventille, Sea Lots, Beetham, and Cocorite. U.S. government staff are prohibited from entering these neighborhoods or going downtown Port of Spain after dark.
- Health risks: mosquito-borne diseases such as Zika, dengue, chikungunya, and leptospirosis are present. Yellow fever vaccination is strongly advised for those visiting forested regions on Trinidad, and medical care may require evacuation for serious cases.
- Legal requirements: travelers must declare currency over $5,000 on arrival and departure. Drug laws are strictly enforced, and penalties are severe for possession, even of small quantities.
- Cultural and environmental aspects: street protests, especially in urban centers, can emerge rapidly and may turn violent. During the rainy season, flooding may disrupt transport, and cyclone risk exists between June and November.
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 Trinidad and Tobago.
Is travel insurance required by law to enter Trinidad and Tobago?
No, travel insurance is not mandatory for travelers from the United States to enter Trinidad and Tobago.
Travel insurance is still strongly recommended by the U.S. Department of State, especially due to the high cost of medical care and possible need for emergency evacuation or repatriation, since serious injuries or illnesses may require treatment abroad.
According to our data, 80% of travelers purchase travel insurance before going to Trinidad and Tobago, mainly because of the high crime rate and the limited local medical facilities.
Why take out travel insurance for Trinidad and Tobago?
It is an essential financial and medical protection for anyone going to Trinidad and Tobago.
Healthcare costs in Trinidad and Tobago can be high, especially for foreigners who usually turn to private clinics such as St. Clair Medical Centre in Port of Spain. Public hospitals are often overstretched and may not meet international standards. Private facilities provide better care but charge fees for consultations, treatment, and medications.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport and emergency repatriation to the United States in case of a serious incident.
Here are some examples of healthcare costs in Trinidad and Tobago.
| Example of medical treatment | Cost at St. Clair Medical Centre | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 15,000 TTD (about $2,200 USD) | up to $500,000 USD |
| I broke my tibia (X-ray, cast, and crutch rental) | 6,000 TTD (about $880 USD) | up to $500,000 USD |
| I need to be repatriated | 55,000 TTD (about $8,000 USD) | up to $500,000 USD |
| I have appendicitis (consultation and surgery) | 45,000 TTD (about $6,600 USD) | up to $500,000 USD |
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 Trinidad and Tobago should cover
Here is a summary table of the main coverages you should look for in a travel insurance policy for Trinidad and Tobago.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers urgent treatment, consultation, and hospitalization in case of sudden illness or accident. We recommend a reimbursement limit of at least $500,000 USD. |
| ✈️ Repatriation | Covers costs for emergency medical evacuation to the United States or return home due to serious injury or death. We recommend at least $250,000 USD. |
| 🚑 Ambulance transport | Costs associated with ambulance or airlift transport for emergencies are covered. We recommend at least $50,000 USD to cover both ground and air evacuation. |
| 💊 Medications | Reimbursement for prescription drugs or urgent medicines prescribed during your trip. Coverage should match or exceed $2,000 USD for typical medication costs. |
| 📆 Trip cancellation | Pays out in the event you must cancel due to a covered reason like illness, accident, or emergency. Reimbursement should cover your travel amount, usually $3,000–5,000 USD. |
| 🧳 Baggage protection | Covers loss, theft, or damage to your checked and carry-on baggage. We recommend a minimum limit of $2,500 USD per person. |
| 🛡️ Civil liability | Protects you in case you are legally liable for injury or damage to others. We recommend at least $100,000 USD. |
| ⚖️ Legal assistance | Covers legal fees and assistance if involved in incidents or accidents abroad. Suggested minimum coverage: $10,000 USD. |
We recommend a reimbursement limit of at least $500,000 USD.
We recommend at least $250,000 USD.
We recommend at least $50,000 USD to cover both ground and air evacuation.
Coverage should match or exceed $2,000 USD for typical medication costs.
Reimbursement should cover your travel amount, usually $3,000–5,000 USD.
We recommend a minimum limit of $2,500 USD per person.
We recommend at least $100,000 USD.
Suggested minimum coverage: $10,000 USD.
Coverage from local providers or bank cards is usually limited, with low reimbursement ceilings and many exclusions. It is safer to select a trusted insurer with full coverage. Compare top options on HelloSafe and sign up online for instant certification.
The cost of travel insurance for Trinidad and Tobago
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $38 |
| 2 weeks | 45 years old | $57 |
| 1 month | 35 years old | $72 |
| 1 month | 70 years old | $167 |
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: the traveler's age, trip duration, destination, desired coverage limits, and optional add-ons like trip cancellation. Riskier destinations or longer trips typically cost more. Keeping these in mind is crucial to finding a policy that fits your needs and budget, ensuring you're properly protected.
💡 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 Trinidad and Tobago
Here are some suggestions to optimize the cost of your travel insurance to Trinidad and Tobago while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Duration of the trip | Insurers charge by the length of your stay, and longer trips increase the premium. | Choose the policy that matches your actual travel dates without adding extra days. |
| 🧑 Traveller’s age | Older travelers can face higher costs, especially above 60, sometimes with reduced coverage. | Compare rates by age group and note that Heymondo does not increase prices for people over 62. |
| 💵 Amount of coverage | Higher limits increase premiums but offer more security for emergencies or major incidents. | Select adequate but not excessive medical coverage, typically $250,000–$500,000 USD is enough. |
| 👨👩👦 Number of insureds | Family/group policies are often cheaper per person than individual policies for each traveler. | Ask about group or family discounts if traveling with others. |
| ✈️ Activities covered | Activities like diving, hiking, or rental cars may require special coverage, raising costs. | Only add special coverage if you truly plan these activities during your stay. |
| 🚑 Deductible amount | Higher deductibles can lower your premium but increase what you pay during a claim. | Adjust your deductible to reduce premiums, but be comfortable with the out-of-pocket amount. |
| 🚫 Destinations covered | Plans covering multiple destinations can be more expensive than single-country coverage. | Select coverage for Trinidad and Tobago only if not visiting other countries. |
Can I rely on my current insurance to cover me in Trinidad and Tobago?
It is completely legitimate to wonder if your current plans—such as public health insurance, private health insurance, or credit card insurance—can cover you for a trip to Trinidad and Tobago. Unfortunately, this coverage is often limited or insufficient for the needs and risks present during international travel. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Trinidad and Tobago? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage outside the United States. | Travel insurance covers $250,000+ in medical bills, emergencies, and repatriation. |
| Private health insurance (Aetna, Cigna, UHC) | Yes, partly | Emergency care may be reimbursed up to $50,000. No repatriation, trip cancellation excluded. | Travel insurance provides $500,000 for medical and up to $8,000 for repatriation. |
| Classic credit card (Chase Freedom, Citi Custom Cash, Wells Fargo Active Cash) | Yes, partly | Medical fees up to $5,000–$10,000, lost baggage sometimes included, no trip cancellation. | Travel insurance offers higher medical limits, full baggage and trip cancellation, plus assistance. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Capital One Venture X) | Yes, partly | Medical fees up to $100,000, some trip delay/baggage loss, typically no emergency evacuation. | Travel insurance reimburses up to $500,000 and covers medical evacuation and 24/7 support. |
Example
In Tobago, Sarah's severe Dengue fever led to a $25,000 private hospital bill. Her Chase Sapphire card offered minimal medical coverage, and her US health insurance only paid $2,000 for the out-of-network foreign care. She faced a shocking $23,000 debt, a devastating financial blow from an unexpected illness.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Critical situations, like trip interruption for a relative's illness, may not be covered. 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 Trinidad and Tobago?
No, U.S. citizens do not need a visa for stays in Trinidad and Tobago of up to 90 days. Your passport must be valid for six months beyond your travel dates, and you should have proof of onward or return travel. Always check the latest entry requirements before your trip.
How do I purchase travel insurance for Trinidad and Tobago?
Start by comparing plans using the HelloSafe travel insurance comparison tool. Carefully review the coverage and exclusions, making sure they address health care and activity risks specific to Trinidad and Tobago. Purchase the policy online and, once you complete the process, you will immediately receive your insurance certificate by email.
Are there health risks travelers should consider when visiting Trinidad and Tobago?
Yes, there are risks such as Zika, Dengue, Chikungunya, and Leptospirosis in Trinidad and Tobago. Medical care in private clinics is costly, and public hospitals may not meet U.S. standards. Comprehensive travel insurance is important to cover medical expenses and possible evacuation if necessary.
Will my U.S. health insurance plan cover me in Trinidad and Tobago?
Most U.S. health insurance policies, including Medicare and Medicaid, do not provide coverage outside the United States. Some private providers offer limited emergency benefits abroad. Travel insurance ensures higher coverage amounts and may include evacuation, which typical U.S. insurance usually excludes.
Can I buy travel insurance after I leave the United States?
Most insurers require you to purchase travel insurance before departing from the U.S. Some specialized providers may offer coverage after departure, but options are fewer and exclusions may apply. It is strongly recommended to arrange your travel insurance before starting your trip to Trinidad and Tobago.
What should I do if I need medical treatment during my trip?
In case of illness or accident, contact your travel insurance emergency assistance helpline immediately. They will guide you to appropriate medical facilities, such as private hospitals in Port of Spain. Keep all receipts and medical reports for reimbursement, and follow instructions for claims processing once you return to the U.S.
Do I need a visa to travel to Trinidad and Tobago?
No, U.S. citizens do not need a visa for stays in Trinidad and Tobago of up to 90 days. Your passport must be valid for six months beyond your travel dates, and you should have proof of onward or return travel. Always check the latest entry requirements before your trip.
How do I purchase travel insurance for Trinidad and Tobago?
Start by comparing plans using the HelloSafe travel insurance comparison tool. Carefully review the coverage and exclusions, making sure they address health care and activity risks specific to Trinidad and Tobago. Purchase the policy online and, once you complete the process, you will immediately receive your insurance certificate by email.
Are there health risks travelers should consider when visiting Trinidad and Tobago?
Yes, there are risks such as Zika, Dengue, Chikungunya, and Leptospirosis in Trinidad and Tobago. Medical care in private clinics is costly, and public hospitals may not meet U.S. standards. Comprehensive travel insurance is important to cover medical expenses and possible evacuation if necessary.
Will my U.S. health insurance plan cover me in Trinidad and Tobago?
Most U.S. health insurance policies, including Medicare and Medicaid, do not provide coverage outside the United States. Some private providers offer limited emergency benefits abroad. Travel insurance ensures higher coverage amounts and may include evacuation, which typical U.S. insurance usually excludes.
Can I buy travel insurance after I leave the United States?
Most insurers require you to purchase travel insurance before departing from the U.S. Some specialized providers may offer coverage after departure, but options are fewer and exclusions may apply. It is strongly recommended to arrange your travel insurance before starting your trip to Trinidad and Tobago.
What should I do if I need medical treatment during my trip?
In case of illness or accident, contact your travel insurance emergency assistance helpline immediately. They will guide you to appropriate medical facilities, such as private hospitals in Port of Spain. Keep all receipts and medical reports for reimbursement, and follow instructions for claims processing once you return to the U.S.
