- According to our analysis, the best travel insurance plans for the Bahamas come from Tin Leg, Seven Corners, Faye, and Travel Insured. (Skip ahead to see plans)
- Although Americans aren’t legally required to have travel insurance to enter the Bahamas, US health insurance isn’t accepted there. So, it’s best to buy medical travel insurance at a minimum.
- Cheap travel insurance policies can cover most medical needs while in the Bahamas and can cost as low as $1 per day.
- Ensure you have travel coverage for the risks associated with your trip including coverage for hurricanes during warmer months and coverage for common activities like snorkeling and diving.
- An online comparison tool is the best way to get price quotes from several companies at once for your trip.
When you buy something using links found on our site, we may earn a small affiliate commission. This content is reviewed & supervised by The Los Angeles Times Commerce Team.
On This Page
- Key Takeaways
- Do I need travel insurance to visit the Bahamas?
- Our top picks for the best Bahamas travel insurance
- Reasons to buy travel insurance for trips to the Bahamas
- Average cost of Bahamas travel insurance
- Types of travel coverage for trips to the Bahamas
- What isn’t covered by travel insurance for the Bahamas?
- Tips for getting the best Bahamas travel insurance
- The Bahamas travel information & requirements
- Bahamas travel insurance FAQs
- Related topics
On This Page
- Key Takeaways
- Do I need travel insurance to visit the Bahamas?
- Our top picks for the best Bahamas travel insurance
- Reasons to buy travel insurance for trips to the Bahamas
- Average cost of Bahamas travel insurance
- Types of travel coverage for trips to the Bahamas
- What isn’t covered by travel insurance for the Bahamas?
- Tips for getting the best Bahamas travel insurance
- The Bahamas travel information & requirements
- Bahamas travel insurance FAQs
- Related topics
Bahamas Travel Insurance: Plans & Cost Breakdown (2024)
Sarah Stasik - Personal Finance
+ 1 other
Reviewed By
Blake Esken - Los Angeles Times
Our top picks for the best Bahamas travel insurance
Cheapest comprehensive coverage
Detour Insurance
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
The Edge Plus
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$100,000
/
$1,000,000
Best Rated Travel Insurance Provider
Tin Leg
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
Luxury
Covers COVID
YES
Medical & Evacuation Limits Per Person
$100,000
/
$250,000
Quick Claims & Easy to Use
Faye Travel Insurance
Check Pricing
via the Faye website
Preferred Plan
Faye Travel Protection Plan
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$100,000
/
$500,000
Do I need travel insurance to visit the Bahamas?
A travel insurance policy isn’t required to visit the Bahamas. However, your US medical insurance will not apply if you are injured or experience an illness while traveling in the Bahamas. Therefore, it is important to take out a policy that covers emergency medical coverage while on vacation to the Bahamas.
Travel health insurance can help provide some peace of mind and reduce costs if you need medical treatment during your trip. Travel insurance can also help cover a variety of trip costs, including trip cancellation, loss of baggage, and other emergency costs.
Millions of people travel to the Bahamas each year without issues, but it’s important to consider the unique risk factors associated with trips to the country so you can be prepared.
Our top picks for the best Bahamas travel insurance
Advertiser Disclosure
Full Policy Details
Detour Insurance
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
The Edge Plus
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$100,000
/
$1,000,000
Why We Like It
Editor's take
If you are looking for a budget-friendly alternative to a luxury plan, Detour is a great option.
Detour is a newer provider offering exceptionally cheap travel insurance policies. On top of being affordable, Detour’s policies are very comprehensive.
Detour offers two solid travel insurance policies for the Bahamas: Detour The Edge & Detour The Edge Plus. Both policies are great options for getting comprehensive coverage on a budget. The main difference between them is their trip cancellation and reimbursement limits. The Edge Plus policy is best for expensive trips as it can reimburse you up to $10,000 per person, whereas The Edge policy only offers $5,000.
Apart from this, both offer the same comprehensive medical and medevac coverage limits – $100,000 and $1,000,000 respectively. Both plans also cover sports activities including deep-sea fishing, water skiing and wakeboarding, snorkeling, scuba, and more. Therefore, which plan you choose mainly depends on how much money you want to receive back if you end up needing to cancel or cut your trip short.
Full Policy Details
Tin Leg
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
Luxury
Covers COVID
YES
Medical & Evacuation Limits Per Person
$100,000
/
$250,000
Why We Like It
Editor's take
Tin Leg continuously outshines the competition when it comes to offering very comprehensive coverage at affordable prices. It also has some of the highest customer satisfaction ratings in the industry.
While there are many popular plans from this provider, we like the Tin Leg luxury plan for trips to the Bahamas as it has high coverage for medical emergencies, including $250,000 for medical evacuations back to the US.
This plan also covers the most common adventure sports people practice in the Bahamas, including deep sea fishing, snorkeling, scuba diving, water skiing and wakeboarding, tubing, golf, and more. It also comes with $50,000 of flight accidental death and dismemberment coverage, which is important if you plan to take a small plane to more remote islands like the Abacos.
PROS
- Coverage for pre-existing conditions
- Cancelation & interruption coverage
- Offers hurricane and weather coverage
CONS
- Cancel for any reason not included standard
Full Policy Details
Faye Travel Insurance
Check Pricing
via the Faye website
Preferred Plan
Faye Travel Protection Plan
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$100,000
/
$500,000
Why We Like It
Editor's take
Faye is a newer provider that offers great travel coverage that is completely customizable. The coverage limits are high, and it’s well-known for how easy it is to buy and manage your plan through Faye.
They are an app-based service providing a streamlined user experience. The claims process is known for being one of the fastest around, and Faye is quickly growing to be a major contender and disruptor in the travel insurance game.
PROS
- Friendly agents
- Easy-to-use mobile app
- Fast reimbursements for eligible claims
- Prompt replies to questions
CONS
- Long wait times for reimbursement
- Difficulty reaching Faye outside of email & virtual chat
Full Policy Details
Seven Corners
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
Trip Protection Choice
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000
/
$1,000,000
Why We Like It
PROS
- Offers coverage for pre-existing conditions
- Money-back guarantee
- Cancellation & Interruption coverage standard
- Covers action sports & equipment
CONS
- Cancel for any reason not included standard
- Must meet waiver for pre-existing conditions to be covered
Travel Insured International
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
Worldwide Trip Protector
Covers COVID
YES
Medical & Evacuation Limits Per Person
$100,000
/
$1,000,000
Why We Like It
PROS
- Travel delay coverage kicks in after just six hours
- Generous $150,000 non-medical evacuation coverage
- 24/7 emergency travel assistance included
CONS
- CFAR and IFAR coverage not included
- Baggage delay coverage only kicks in after 12 hours
- No rental car coverage
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Reasons to buy travel insurance for trips to the Bahamas
Apart from US health insurance not working abroad, there are several unique risks that most people may not consider when visiting the Bahamas. This is where travel insurance can come in handy.
Average cost of Bahamas travel insurance
The average cost of travel insurance for the Bahamas is $15.80 per day. This number was found using internal sales data from LA Times readers who bought travel insurance for the Bahamas over the past year. On average, Travelers spent 10 days in the Bahamas for a total travel insurance cost of $158.
That said, basic travel medical plans are often much cheaper and can cost as little as $1 per day. To illustrate this, we pulled sample quotes for basic medical travel insurance plans based on a 35-year-old traveler spending 7 days in the Bahamas for a trip costing $2,000.
These plans can save you in a medical emergency but don’t include reimbursements for trip cancellation or interruption coverage:
| Provider | Plan Name | Plan Cost | Cancellation /Interruption Limits | Medical /Medevac Limits |
|---|---|---|---|---|
| Tin Leg | Standard | $5 | $0 / $0 | $30,000 / $200,000 |
| Trawick International | Safe Travels Explorer | $19 | $0 / $0 | $50,000 / $200,000 |
| Seven Corners | Trip Protection Basic | $25 | $0 / $1,000 | $100,000 / $250,000 |
The cheapest plan on this list costs a mere 72¢ per day whereas the most expensive costs $3.58 per day and also comes with $1000 in interruption benefits. Needless to say, there are affordable options for Bahamas travel insurance.
Policies that include trip cancellation and interruption coverage cost a bit more.
Cost example of comprehensive travel insurance with trip reimbursement.
| Provider | Plan Name | Plan Cost | Cancellation /Interruption Limits | Medical /Medevac Limits |
|---|---|---|---|---|
| Tin Leg | Standard | $62 | $2,000 / $2,000 | $30,000 / $200,000 |
| Trawick International | Safe Travels Explorer | $63 | $2,000/ $2,000 | $50,000 / $200,000 |
| Seven Corners | Trip Protection Basic | $75 | $2,000 / $2,000 | $100,000 / $250,000 |
The above plans range from $8.85 per day to $10.70 per day. This table demonstrates that for a few extra dollars per day, you can access additional coverage for things like cancellations and interruptions, baggage loss, and more.
Keep in mind that these prices are for example purposes only, and that the final cost of your specific policy depends on your unique trip parameters. Various factors affect the final cost of travel insurance, including the length of your trip, your age, and the type of coverage you select.
We recommend using an online comparison tool for travel insurance plans to see policies and prices specific to your trip.
Advertiser Disclosure
Types of travel coverage for trips to the Bahamas
What your Bahamas travel insurance policy covers depends on the type of plan you choose. Most travel insurance policies can be broken down into two main categories:
- Medical-only travel insurance
- Comprehensive travel insurance
Medical-only travel insurance
Emergency travel medical insurance is the most basic level of insurance you should purchase for your trip to the Bahamas. As demonstrated above, medical travel insurance is the cheapest type of coverage available and covers emergency medical treatment and medical evacuations.
US health insurance, including Medicare and Medicaid, doesn’t work in the Bahamas, so it’s best to have medical travel insurance at a minimum.
Comprehensive travel coverage
A comprehensive travel insurance plan includes medical coverage and other benefits such as reimbursements for trip cancellations and interruptions, lost or delayed baggage, travel delays, missed connections, and more.
Since the Bahamas is susceptible to weather events like hurricanes, and you may participate in water-based activities such as snorkeling, boating, scuba, and more, we recommend you opt for a comprehensive policy that can cover you for medical emergencies, cancellations, and travel interruptions.
Optional coverage and upgrades
Apart from medical coverage and comprehensive travel coverage, each plan has unique exclusions and inclusions. Here are some important coverages to consider that may be excluded or offered as an add-on to some policies.
Adventure sports
Many travel insurance policies have exclusions related to common activities they denote as “adventure sports”. These can include common activities like tubing, water skiing, snorkeling, scuba diving, offshore fishing, parasailing, and more.
Since most travelers to the Bahamas participate in one or more of these activities while in the country, it’s important to ensure your travel insurance policy will cover accidents, injuries, and accidental death relating to these adventure sports.
Pre-existing conditions
Not all plans offer travel coverage for pre-existing conditions. If you have a chronic illness or other health condition it’s important to verify that your travel insurance policy covers pre-existing conditions to ensure you are fully covered while in the Bahamas.
Apart from this, elderly travelers who have a higher chance of needing medical assistance should consider opting for specialized senior travel insurance policies that are tailored to the needs of senior travelers.
Cancel For Any Reason
Cancel For Any Reason (CFAR) coverage is one of the most common upgrades offered with travel insurance policies. This type of add-on allows you to cancel your trip for any reason and receive up to a 75% reimbursement for the cost of your trip. While this coverage may not be necessary for all travelers, it can be extremely helpful if you need to unexpectedly cancel an expensive trip, such as one to the Bahamas.
What isn’t covered by travel insurance for the Bahamas?
The specific details regarding what’s covered by your travel insurance depend on your policy.
However, travel insurance, in general, doesn’t cover:
Losses related to reasonably foreseen events
Trip cancellation insurance may not cover your losses if you buy the plan when a tropical storm or hurricane has already been named. Hurricane travel insurance only covers you if the storm is named after you book the policy. If there’s already a forecasted hurricane in the area, it’s reasonable for you to expect your trip to be at risk. Therefore, booking travel insurance as soon as possible is key to staying fully covered.
Known epidemics
Although COVID coverage now comes standard, most travel insurance plans exclude coverage for costs associated with illnesses if they come from a known epidemic. If you choose to book travel in an area with an epidemic, you may take that risk on yourself.
Injury related to illegal or dangerous activities
Your travel insurance may not cover medical costs associated with injuries you incur during so-called “dangerous activities.” This can include drug or alcohol-induced injuries as well as motorbike injuries. Each plan has different wording on what is considered dangerous, therefore we recommend having a look over the policy exclusions before buying.
Sports and adventure activities
Extreme sports like bungee jumping, skydiving, and scuba diving may also be included in the exclusions. You need to check to make sure your plan covers things like snorkeling, diving, deep-sea fishing, boating, etc. With our comparison tool, there is a filter that lets you easily select plans that cover your planned activities.
Advertiser Disclosure
Tips for getting the best Bahamas travel insurance
Getting the best deal on travel insurance for the Bahamas — and buying the right coverage — takes a bit of homework.
These tips can help you find the best travel insurance for your Bahamas vacation:
1
Shop around and compare policies
Just because a plan is more expensive doesn’t mean it offers the best coverage. Try using the LA Times online comparison tool to find a plan that suits your travel needs and your budget.
2
Consider any additional coverages you may need
Travel insurance won’t typically cover adventure activities, such as parasailing or scuba diving. You should look for extra coverage if you plan to do this sort of activity.
3
Carefully select your transportation plans
Some travel insurance policies will only cover trip delays if you’re traveling via a public airline, passenger railway or other common carrier.
4
Consider what other options you have for covering your losses
If you’re booking airfare and hotel stays with a travel rewards credit card, for example, you might have built-in coverage for trip cancellation. Many travel rewards credit cards will refund your purchases in this case.
5
Purchase travel insurance early
You can often get a better deal if you purchase your travel insurance policy right after making your initial trip deposit.
The Bahamas travel information & requirements
| Query | Details |
|---|---|
| Is a tourist visa required? | No |
| How long can you stay without a visa? | Up to eight months |
| Passport requirements | Must be valid at time of entry through departure |
| Local currency | Bahamian Dollar ($) |
| Primary language(s) | English, though many people speak a Bahamian Creole dialect |
| Average 5-year exchange rate | 1 US dollar to 1 Bahamian Dollar |
| Are there any vaccine requirements for travel? | No, but some are recommended |
| Is a COVID test required? | No |
| What is the travel advisory level? | As of July 2023, the U.S. Department of State issued a Level 2: Exercise Increase Caution travel advisory for U.S. travelers in this area |
| Emergency services phone number | 911 or 919 US Embassy emergency number: 242-322-1181 |
| Do providers in the Bahamas accept U.S. health insurance? | No |
| Is travel insurance required? | No |
Are there COVID-19 restrictions for U.S. tourists?
The Bahamas lifted COVID restrictions in October 2022. Unvaccinated travelers are allowed in the country, and there is no requirement for a pre-arrival COVID-19 test. Since the fallout from the recent COVID-19 pandemic, the majority of travel insurance plans now include COVID-19 coverage just as they would with any other medical treatment.
Do I need a visa or passport to travel to the Bahamas?
Entry requirements for American citizens do not include visas as long as you are not staying for longer than eight months as a traveler. You do need a valid passport to enter the Bahamas. It must be valid throughout the duration of your stay. Two pages are also required for your entry stamp.
Is it safe to visit the Bahamas?
The U.S. Bureau of Consumer Affairs issued a Bahamas travel advisory in January 2024 that called for American travelers to exercise increased caution due to some issues with crime.
This advisory is a Level 2 on a scale with four levels:
- Level 1: Exercise normal precautions
- Level 2: Exercise increased caution
- Level 3: Reconsider travel
- Level 4: Do not travel
The Bureau advises taking precautions, such as not opening hotel doors unless you know who it is, not resisting if you are robbed, having a contingency plan for medical and other emergencies, and enrolling in the Smart Traveler Enrollment Program so you can receive up-to-date travel advisories.
Bahamas travel insurance FAQs
Do I need travel insurance to visit the Bahamas?
You do not need travel insurance to visit this location. However, because your regular car, health, and other U.S. insurance policies likely won’t apply if you need them, travel insurance is recommended.
How much is Bahamas travel insurance?
The cost of your insurance depends on a variety of factors, including how long you’re traveling for and what type of coverage you purchase. While the most basic coverage can cost as little as around $1 per day, you can expect to pay $9 to $11 per day for more comprehensive coverage.
Can I use my U.S. insurance in the Bahamas?
It is unlikely that you will be able to use your U.S.-based health insurance for services in the Bahamas. You can always check with your plan before you travel to ensure this is the case.
Can U.S. citizens get free health care in the Bahamas?
While the Bahamas has medical programs that provide a number of services for its legal residents, these services are not typically available for free for visitors. You should be prepared to pay for medical services should you need them when traveling. Medical travel insurance can help reduce such costs.
About the Author
Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.
With more than a dozen years of writing experience, Sarah has tackled niches that range from technical advances in fintech to personal budgeting challenges. She has covered topics such as insurance and the economics of private healthcare, small business management and accounting, and credit and savings. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful and relevant resources for readers.
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