What are the best Travel Insurances for Turks and Caicos Islands in 2025?
- The best travel insurance plans for Turks and Caicos Islands
- Is it currently safe to travel to Turks and Caicos Islands?
- Is travel insurance required by law to enter Turks and Caicos Islands?
- Why take out travel insurance for Turks and Caicos Islands?
- What travel insurance for Turks and Caicos Islands should cover
- The cost of travel insurance for Turks and Caicos Islands
- How to pay less for your travel insurance to Turks and Caicos Islands
- Your current insurance coverage in Turks and Caicos Islands
- FAQ
Travel insurance for Turks and Caicos Islands: key takeaways
1. Definition: Travel insurance for Turks and Caicos covers medical emergencies, trip cancellation, and lost baggage.
2. Key protection: Insurance is not mandatory but is highly recommended for costly medical evacuation coverage.
3. Healthcare cost: Healthcare is private and expensive; a hospital stay can easily exceed $1,000 per night.
4. Price: A one-week travel insurance policy for Turks and Caicos typically costs between $40 and $80.
5. Good to know: Be aware: Strict laws against firearms and ammunition carry severe penalties, including long prison sentences.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 42 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for the Turks and Caicos Islands.
The best travel insurance plans for Turks and Caicos Islands
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | The best pick for Turks and Caicos Islands. - high medical ceiling - covers evacuation - clear terms |
| Cap Assistance 24/24 | $1.1M | Well-suited for short trips. - 24/7 medical hotline - no deductible - cancellation coverage |
| Tourist Card | $550k | Practical for tourism on the islands. - solid medical cover - emergency assistance - competitive price |
| Travel Pass Monde | $770k | Good overall protection abroad. - strong hospital and evacuation limits - wide country cover |
| Globe Partner | $330k | Reliable for essential medical needs in Turks and Caicos Islands. - medical care - repatriation - civil liability |
| Globe Traveller | $550k | Affordable option for short stays. - covers key medical emergencies - prompt reimbursement - reasonable ceiling |
- high medical ceiling
- covers evacuation
- clear terms
- 24/7 medical hotline
- no deductible
- cancellation coverage
- solid medical cover
- emergency assistance
- competitive price
- strong hospital and evacuation limits
- wide country cover
- medical care
- repatriation
- civil liability
- covers key medical emergencies
- prompt reimbursement
- reasonable ceiling
Is it currently safe to travel to Turks and Caicos Islands?
As of June 2025, the US Department of State advises travelers to exercise increased caution when visiting the Turks and Caicos Islands. The overall safety situation is stable, but certain risks should be expected when traveling in the region.
- Security risks: robberies and thefts occur occasionally, particularly in tourist areas of Providenciales and Grand Turk. Travelers are advised to avoid walking alone at night and not to physically resist robbery attempts.
- Health risks: healthcare is limited, with only two primary hospitals on the main islands. Serious illnesses or injuries may require costly medical evacuation to the United States or the Bahamas.
- Legal constraints: all firearms and ammunition, even a single bullet, are strictly prohibited. Possession can result in severe prison sentences of up to 12 years.
- Entry and customs rules: visitors must hold a valid US passport and return ticket. Currency is restricted to $10,000 for both entry and exit, and failure to declare higher amounts can result in criminal penalties.
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 Turks and Caicos Islands.
Is travel insurance required by law to enter Turks and Caicos Islands?
No, travel insurance is not mandatory for US citizens to enter Turks and Caicos Islands.
While not required by law, it is strongly recommended due to high medical care costs and the possible need for emergency medical evacuation to the United States or a nearby country. Basic medical facilities are available, but serious cases require transfer abroad, which can be expensive.
According to our data, 80% of travelers purchase travel insurance before going to Turks and Caicos Islands. This high percentage reflects the importance of being protected against the risks of expensive healthcare and unforeseen emergencies.
Why take out travel insurance for Turks and Caicos Islands?
It is an essential financial and medical protection for anyone going to Turks and Caicos Islands.
In Turks and Caicos Islands, there are only a few medical facilities available, such as Cheshire Hall Medical Centre in Providenciales and Cockburn Town Medical Centre on Grand Turk. For serious injuries or illnesses, evacuation to the US is often required, and costs at these private clinics are high for foreigners.
Travel insurance covers medical fees, hospitalization, medication, ambulance transportation and emergency repatriation to the US in the event of a serious incident.
Here are some examples of healthcare costs in Turks and Caicos Islands.
| Example of medical treatment | Cost at Cheshire Hall Medical Centre | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 3,500 USD | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 2,200 USD | up to 100% |
| I need to be repatriated | 25,000 USD | up to 100% |
| I have appendicitis (consultation and surgery) | 10,000 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 travel insurance for Turks and Caicos Islands should cover
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor visits, hospitalization, and emergency treatment for illness or injury. We recommend a limit of at least $100,000 due to high costs and potential need for evacuation. |
| 🚑 Medical evacuation | Pays for emergency transport to the United States or another country if local facilities are inadequate. Choose a plan with a minimum of $250,000 for this benefit. |
| ✈️ Trip cancellation | Refunds prepaid, non-refundable trip costs if you cancel due to a covered reason. A recommended minimum is $5,000 to cover flight and accommodation costs. |
| 🧳 Baggage loss/delay | Provides compensation for lost, stolen, or delayed baggage. Look for at least $2,000 in baggage coverage. |
| 💊 Prescription drugs | Reimburses the cost if you need medication for an illness or injury on your trip. A minimum benefit of $1,250 is sufficient for most needs. |
| 👨⚖️ Personal liability | Protects you if you cause accidental injury or property damage. A recommended limit is $100,000. |
| 🏠 24/7 assistance | Provides English-language helpline for emergencies and support. Essential for support in the Turks and Caicos Islands and nearby regions. |
We recommend a limit of at least $100,000 due to high costs and potential need for evacuation.
Choose a plan with a minimum of $250,000 for this benefit.
A recommended minimum is $5,000 to cover flight and accommodation costs.
Look for at least $2,000 in baggage coverage.
A minimum benefit of $1,250 is sufficient for most needs.
A recommended limit is $100,000.
Essential for support in the Turks and Caicos Islands and nearby regions.
Travel insurance from local providers or bank cards often provides low limits and many exclusions. It is safer to use a trusted insurer that offers complete coverage. You can compare the best options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Turks and Caicos Islands
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $38 USD |
| 2 weeks | 45 years old | $56 USD |
| 1 month | 35 years old | $92 USD |
| 1 month | 70 years old | $155 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 your travel insurance policy will depend on several factors. These include your age, the duration of your trip, your desired coverage limits, and optional add-ons like trip cancellation or medical evacuation. Keeping these in mind is essential to select the right plan for your trip to the Turks and Caicos Islands.
💡 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 Turks and Caicos Islands
Here are some suggestions to optimize the cost of your travel insurance to Turks and Caicos Islands while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🛄 Trip duration | Premiums are based on the total length of your stay. Shorter trips generally have lower insurance costs. | Match coverage dates to your actual travel dates to avoid paying for extra unused days. |
| ✈️ Level of coverage | The more comprehensive the policy, the higher the cost. Turks and Caicos has decent hospitals for minor needs. | Prioritize essential medical coverage and tailor extras based on your activities. |
| 👥 Number of travelers | Family or group policies can offer savings per person when buying together versus individually. | Request a group or family policy if traveling with others to save money collectively. |
| 🔍 Deductibles | A higher deductible lowers the premium but increases your cost if a claim is made. | Choose a deductible you are comfortable paying to decrease the overall premium. |
| 🧑🦳 Traveler’s age | Age is a major factor for insurance rates, especially over 60. | Compare age-based policies; Heymondo does not increase prices for people over 62. |
| 🏝️ Activity coverage | Extra coverage for water sports or excursions increases cost, which is relevant for Turks and Caicos. | Only add coverage for activities you'll actually do so you don't overpay. |
| 🌍 Geographic region | Some policies include the US or other regions, raising costs if not needed. | Select a Caribbean-only plan instead of worldwide cover if not visiting other countries. |
Your current insurance coverage in Turks and Caicos Islands
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 Turks and Caicos Islands. 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 Turks and Caicos Islands? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance | No, never | No coverage for medical emergencies or evacuation abroad. | Travel insurance can cover $100,000+ of medical care and evacuation costs directly in Turks and Caicos. |
| Private health insurance | Yes, partly | May reimburse some medical costs after you return, often excludes evacuation or prepayment abroad. | Travel insurance often pays $250,000+ for emergencies, covers evacuation, and arranges direct payment. |
| Classic credit card (Visa Classic, Mastercard Standard) | Yes, partly | Medical emergencies up to $2,500, rarely covers evacuation, only basic trip delays. | Travel insurance typically covers $100,000+ health, lost bags, delays, and full emergency evacuation. |
| Premium credit card (Chase Sapphire, Amex Gold, Citi Premier) | Yes, partly | Health emergencies up to $50,000, limited lost luggage or trip delay, evacuation rare. | Travel insurance can insure $250,000+ health, delays, bags, plus 24/7 assistance and trip cancellation. |
Example
While scuba diving in Turks and Caicos, Sarah got decompression sickness. The emergency air ambulance to Miami cost $40,000. Her Chase Sapphire card's travel benefit capped at $10,000, and her domestic health insurance wouldn't cover the international evacuation, leaving her with a shocking $30,000 bill for her tropical getaway.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption for a relative's illness, might be excluded. Read the fine print 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 Turks and Caicos Islands?
US citizens do not need a visa for tourist stays of up to 90 days in the Turks and Caicos Islands. You must present a valid US passport and have proof of onward or return travel. Your passport should be valid for the entire duration of your stay.
How do I purchase travel insurance for Turks and Caicos Islands?
To buy travel insurance for the Turks and Caicos Islands, start by comparing plans using the HelloSafe comparison tool. Next, check each policy’s coverage and exclusions, focusing on medical evacuation and local health services. Purchase the selected plan online and you will then receive your certificate by email.
Does my US health insurance work in the Turks and Caicos Islands?
Most US health insurance plans do not provide coverage abroad, including Turks and Caicos Islands. Check with your insurer before you travel. Medical care, especially evacuation, can be costly—travel insurance with at least $100,000 of medical coverage is strongly recommended for this destination.
Are natural disasters a risk, and does travel insurance cover them?
Hurricane season in the Turks and Caicos Islands runs from June to November and may disrupt travel plans. Many travel insurance policies cover trip cancellations or interruptions due to severe weather or natural disasters. Always check whether these risks are included in your policy.
What should I do if I need emergency medical care during my stay?
For minor issues, there are hospitals on Providenciales and Grand Turk. For serious emergencies, you may need a medical evacuation to the US or another country, which can cost $30,000 or more. Travel insurance should include evacuation coverage and a 24/7 assistance hotline for emergencies.
Do I need a visa to travel to Turks and Caicos Islands?
US citizens do not need a visa for tourist stays of up to 90 days in the Turks and Caicos Islands. You must present a valid US passport and have proof of onward or return travel. Your passport should be valid for the entire duration of your stay.
How do I purchase travel insurance for Turks and Caicos Islands?
To buy travel insurance for the Turks and Caicos Islands, start by comparing plans using the HelloSafe comparison tool. Next, check each policy’s coverage and exclusions, focusing on medical evacuation and local health services. Purchase the selected plan online and you will then receive your certificate by email.
Does my US health insurance work in the Turks and Caicos Islands?
Most US health insurance plans do not provide coverage abroad, including Turks and Caicos Islands. Check with your insurer before you travel. Medical care, especially evacuation, can be costly—travel insurance with at least $100,000 of medical coverage is strongly recommended for this destination.
Are natural disasters a risk, and does travel insurance cover them?
Hurricane season in the Turks and Caicos Islands runs from June to November and may disrupt travel plans. Many travel insurance policies cover trip cancellations or interruptions due to severe weather or natural disasters. Always check whether these risks are included in your policy.
What should I do if I need emergency medical care during my stay?
For minor issues, there are hospitals on Providenciales and Grand Turk. For serious emergencies, you may need a medical evacuation to the US or another country, which can cost $30,000 or more. Travel insurance should include evacuation coverage and a 24/7 assistance hotline for emergencies.
