Travel Insurance for Puerto Rico

Whether you're exploring the historic streets of Old San Juan or hiking through the lush rainforests of El Yunque, there's something in Puerto Rico to captivate every adventurer's heart.
 

As you embark on your journey to this Caribbean gem, it's essential to arm yourself with the right tools for a smooth and worry-free experience. In this guide, we'll walk you through everything you need to know about travel insurance for Puerto Rico, from understanding the coverage options to selecting the policy that best fits your needs.
 

1. What should your Travel insurance cover for a trip to Latin America? 
2. How Does Travel Insurance for Latin America Work?
3. Do I need Travel Insurance for Latin America? 
4. How Much Does Travel Insurance Cost for Latin America?
5. Our Suggested AXA Travel Protection Plan
6. What types of medical coverage does AXA Travel Protection plans offer?
7. Are There Any COVID-19 Restrictions for Travelers to Latin America?
8. Traveling with pre-existing Medical Conditions? 
9. FAQ
    

What should your travel insurance cover for a trip to Puerto Rico?

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.
AXA Travel Protection plans are designed with these minimum recommended coverages in mind.
 

• Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.  
   
• Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events. 
   
• Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation. 
   
• Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage. 
   
• Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 
   

In just a few seconds, you can get a free quote and purchase the best travel insurance Puerto Rico.

How Does Travel Insurance for Puerto Rico Work?

Imagine you're eagerly anticipating your dream trip to Puerto Rico, envisioning days filled with snorkeling in the crystal-clear waters of Flamenco Beach. Suddenly, a tropical storm warning threatens your plans. With coverage against trip disruptions, you may be able to recoup expenses and reschedule your adventure if severe weather strikes.

Whether things take a turn for the worse, AXA stands ready to assist you in devising a strategic course of action.

Here’s how travelers can benefit from an AXA Travel Protection Plan:
 

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.

Do I Need Travel Insurance for Puerto Rico?

You don't have to have travel insurance to visit Puerto Rico, but it's a smart idea to consider bringing coverage for your island getaway, especially if you'll be doing adventurous activities.

Why? There are several reasons:

1. Medical Emergencies: Given the allure of outdoor activities and adventurous experiences in Puerto Rico, there's a heightened risk of accidents or illnesses. Having coverage for emergency medical expenses allows travelers to access quality healthcare and receive necessary treatment without worrying about high costs.
    

2. Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.
    

3. Trip Interruption: Puerto Rico is susceptible to tropical storms and hurricanes, which can disrupt travel plans at any moment. A trip cancellation coverage may recoup pre-paid expenses, including flights and accommodations, if the trip needs to be called off.

How Much Does Travel Insurance Cost for Puerto Rico?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:
 

Total Trip cost: The total amount of non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.

Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.
 

With AXA Travel Protection, travelers to the United Kingdom will be offered three tiers of insurance: Silver, Gold and Platinum. Each provide varying levels of coverage to cater to individual's preferences and travel needs.
 

Our Suggested AXA Travel Protection Plan

AXA presents travelers with three travel plans – the Silver Plan, Gold Plan, and Platinum Plan, each offering different levels of coverage to suit individual needs. Given that Puerto Rico hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.
 

The Platinum Plan is your go-to choice if you're looking for extra coverage for Puerto Rico’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Puerto Rico's stunning landscapes in a rental car.
 

What types of medical coverage does AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency medical

• Emergency evacuation & repatriation

• Non-medical emergency evacuation & repatriation
   

Emergency medical: Can cover unforeseen events such as fractures, burns, sudden illnesses, and allergic reactions.

Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation: Can offer assistance for leaving a destination promptly in non-medical emergencies, such as natural disasters or civil unrest.
 

Are There Any COVID-19 Restrictions for Travelers to Puerto Rico?

Visitors are not required to present a negative COVID-19 test result upon entry. Additionally, no pre-departure test or proof of vaccination is necessary.
 

Traveling with preexisting Medical Conditions?

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.

Our Gold Plan, and Platinum Plans offer coverage for preexisting medical conditions.
The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a preexisting medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60 day look back period. We're here to make sure you travel with ease, no matter your health situation.
 

FAQ
 

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to Puerto Rico?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.)

AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.

Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3.Do Americans need travel insurance in Puerto Rico?

While travel insurance isn't compulsory for US citizens traveling to Puerto Rico, it's strongly advised so they can receive sufficient coverage for unexpected travel or health emergencies.

4.What is needed to visit Puerto Rico from the USA?

US citizens traveling from mainland destinations to Puerto Rico do not require passports for entry. However, they must present a government-issued photo ID to board a plane.

5.What happens if a tourist gets sick in Puerto Rico?

If you become sick in Puerto Rico, travelers with AXA Travel Protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

But amidst the excitement of planning your adventure, it's crucial to be prepared for unforeseen challenges. In this guide, we'll break down everything you need to know about getting the right travel insurance for Latin America so you can explore the region with confidence!

 

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved.