Caribbean Tourism: Health & Insurance

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Health & Insurance

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Travel Insurance

Check your existing insurance policies and credit card coverage before you buy travel insurance. You may already be covered for lost luggage, canceled tickets, or medical expenses.

The cost of travel insurance varies widely, depending on the cost and length of your trip, your age and health, and the type of trip you're taking, but expect to pay between 5% and 8% of the vacation itself.

Trip-Cancellation Insurance -- Trip-cancellation insurance helps you get your money back if you have to back out of a trip, if you have to go home early, or if your travel supplier goes bankrupt. Allowed reasons for cancellation can range from sickness to natural disasters to the State Department declaring your destination unsafe for travel. (Insurers usually won't cover vague fears, though, as many travelers discovered who tried to cancel their trips in Oct 2001 because they were wary of flying.) In this unstable world, trip-cancellation insurance is a good buy if you're getting tickets well in advance -- who knows what the state of the world, or of your airline, will be in 9 months? Insurance policy details vary, so read the fine print -- and especially make sure that your airline or cruise line is on the list of carriers covered in case of bankruptcy. A good resource is "Travel Guard Alerts," a list of companies considered high-risk by Travel Guard International.

For information, contact one of the following insurers: Access America (tel. 866/807-3982; www.accessamerica.com); Travel Guard International (tel. 800/826-4919; www.travelguard.com); Travel Insured International (tel. 800/243-3174; www.travelinsured.com); and Travelex Insurance Services (tel. 888/457-4602; www.travelex-insurance.com).

Medical Insurance -- For travel overseas, most health plans (including Medicare and Medicaid) do not provide coverage, and the ones that do often require you to pay for services upfront and reimburse you only after you return home. Even if your plan does cover overseas treatment, most out-of-country hospitals make you pay your bills upfront, and send you a refund only after you've returned home and filed the necessary paperwork with your insurance company. As a safety net, you may want to buy travel medical insurance, particularly if you're traveling to a remote or high-risk area where emergency evacuation is a possible scenario. If you require additional medical insurance, try MEDEX Assistance (tel. 410/453-6300; www.medexassist.com) or Travel Assistance International (tel. 800/821-2828; www.travelassistance.com; for general information on services, call the company's Worldwide Assistance Services, Inc., at tel. 800/777-8710).

Lost-Luggage Insurance -- On domestic flights, checked baggage is covered up to $2,500 per ticketed passenger. On international flights (including U.S. portions of international trips), baggage coverage is limited to approximately $9.07 per pound, up to approximately $635 per checked bag. If you plan to check items more valuable than the standard liability, see if your valuables are covered by your homeowner's policy, get baggage insurance as part of your comprehensive travel-insurance package, or buy Travel Guard's "BagTrak" product. Don't buy insurance at the airport, as it's usually overpriced. Be sure to take any valuables or irreplaceable items with you in your carry-on luggage, as many valuables (including books, money and electronics) aren't covered by airline policies.

If your luggage is lost, immediately file a lost-luggage claim at the airport, detailing the luggage contents. For most airlines, you must report delayed, damaged, or lost baggage within 4 hours of arrival. The airlines are required to deliver luggage, once found, directly to your house or destination free of charge.

Health & Safety

Keep the following suggestions in mind:

On some islands, it's best to drink bottled water during your trip.

If you experience diarrhea, moderate your eating habits and drink only bottled water until you recover. If symptoms persist, consult a doctor.

The Caribbean sun can be brutal. Wear sunglasses and a hat and use sunscreen liberally. Limit your time on the beach the first day. If you do overexpose yourself, stay out of the sun until you recover. If your exposure is followed by fever or chills, a headache, or a feeling of nausea or dizziness, see a doctor.

One of the biggest menaces is the "no-see-ums," which emerge mainly in the early evening. You can't see these gnats, but you sure can "feel-um." Window screens can't keep these critters out, so carry bug repellent.

Mosquitoes are a nuisance. Malaria-carrying mosquitoes in the Caribbean are confined largely to Haiti and the Dominican Republic. If you're visiting either, consult your doctor for preventive medicine at least 8 weeks before you leave. Dengue fever is prevalent in the islands, most prominently on Antigua, St. Kitts, Dominica, and the Dominican Republic. To date, no satisfactory treatment has been developed; visitors are advised to avoid mosquito bites -- as if that were possible.

Infectious hepatitis has been reported on islands such as Dominica and Haiti. Unless you have been immunized for both hepatitis A and B, consult your doctor about the advisability of getting a gamma-globulin shot before you leave. The United States Centers for Disease Control and Prevention (tel. 800/311-3435; www.cdc.gov) provides up-to-date information on necessary vaccines and health hazards by region or country.

Pack prescription medications in your carry-on luggage. Carry written prescriptions in generic, not brand-name, form, and dispense all prescription medications from their original labeled vials. Many people try to slip drugs such as cocaine into the Caribbean (or pick them up there). Drugs are often placed into a container for prescription medication after the legal medications have been removed. Customs officials are well aware of this type of smuggling and often check medications if they suspect a passenger is bringing illegal drugs into or out of a country.

If you wear contact lenses, pack an extra pair in case you lose one.

What To Do If You Get Sick Away From Home--Finding a good doctor in the Caribbean is not a problem, and most speak English. See the "Fast Facts" section in each chapter for specific names and addresses on each individual island.

If you worry about getting sick away from home, you might want to consider medical travel insurance. In most cases, however, your existing health plan will provide all the coverage you need. Be sure to carry your identification card in your wallet.

If you suffer from a chronic illness, consult your doctor before your departure. For conditions like epilepsy, diabetes, or heart problems, wear a MedicAlert identification tag (tel. 888/633-4298; www.medicalert.org), which will immediately alert doctors to your condition and give them access to your records through MedicAlert's 24-hour hot line.

Contact the International Association for Medical Assistance to Travelers (IAMAT; tel. 716/754-4883 or 416/652-0137; www.iamat.org) for tips on travel and health concerns on the islands you're visiting, and lists of local English-speaking doctors.

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