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Travel insurance for Puerto Rico: Which one should you choose?
Discover the best travel insurance for Puerto Rico and enjoy days of beaches, colonial streets, and tropical scenery.
Travelling to Puerto Rico means stunning beaches, colourful towns, tropical forests, and Caribbean rhythm. However, even in paradise, unexpected issues may arise. From food poisoning in San Juan to losing your suitcase at Luis Muñoz Marín International Airport, having reliable support is essential. That’s why choosing among the best travel insurance for Puerto Rico is one of the most important steps before packing.
In this article, we’ll explain what travel insurance for this destination should include, the best market options, how much they cost, and which suits you best. If you’re about to cross the Caribbean, keep reading: This could save you thousands of dollars (and more than one headache).
Why buy travel insurance for Puerto Rico?
Although Puerto Rico is an unincorporated territory of the United States, its healthcare system follows the same rules: it’s private, expensive, and doesn’t accept foreign coverage. In fact, healthcare is a major factor in the cost of living on the island. This means that, without travel insurance, any medical consultation or emergency may involve extremely high out-of-pocket expenses.
To give you an idea:
- A private clinic consultation costs around $250–400 (€230–370).
- Emergency treatment for a fracture may exceed $2,000 (€1,850).
- Hospitalisation for intestinal infection or dengue can reach $10,000 (€9,250) or more.
- A medical evacuation flight from San Juan to your country can cost between $30,000–70,000 (€27,800–64,800), depending on the case.
Moreover, if you lose your luggage, experience a flight delay, or must cancel your trip due to force majeure, you won’t recover your money without insurance. Taking out one of the best travel insurance policies for Puerto Rico isn’t just a precaution: It’s a way to travel peacefully, knowing that you’ll have support and immediate assistance if anything goes wrong.
What should travel insurance for Puerto Rico cover?
A good travel insurance policy for Puerto Rico should match both local conditions and the most common travel risks. Since it’s an island with tropical weather, expensive medical services, and many tourists, your policy must be as complete as possible. These are the coverages you shouldn’t miss:
- Medical care for illness or accident: This is the most important coverage. In Puerto Rico, all medical care requires payment, even in emergencies. Your policy should cover at least $540,000 (€500,000) in medical expenses, preferably more. It must include everything from a basic consultation to hospitalisation for dengue, cuts, fractures, or infections.
- Medical and funeral repatriation: In case of a serious accident or death, returning to your home country can cost tens of thousands of dollars. Therefore, your insurance should include unlimited or high-value repatriation, especially if you travel with seniors or people with medical history.
- Luggage loss, theft, or damage: Losing your suitcase at San Juan Airport or getting your backpack stolen on a quiet beach is more common than you think. Ensure your policy includes compensation for lost or damaged luggage, ideally covering electronics like cameras or laptops. If you’re a digital nomad or remote worker, you know how vital it is to protect your devices.
- Financial support for delays or cancellations: Puerto Rico’s climate often causes flight disruptions. Tropical storms or hurricanes can delay or cancel flights, especially during the rainy season. So, your policy should include compensation for delays, extra hotel nights, or missed connections.
- Civil liability: If you unintentionally harm a third party (for example, in a rented car accident or tour mishap), you’ll need coverage that includes legal and compensation expenses. This is crucial in destinations with high legal costs.
- 24/7 assistance in your language: Make sure your insurance provides phone or app support in Spanish, 24 hours a day, every day. In an emergency, you’ll need immediate help in your language, wherever you are on the island.
- Outdoor activities: Puerto Rico invites you to explore waterfalls, kayak in bioluminescent bays, or hike through El Yunque. If you plan to do these activities, your policy must include them as standard, not as high-risk sports exclusions.
Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍
Comparison of the best travel insurance for Puerto Rico
You already know that travel insurance for Puerto Rico is essential, especially because of its private healthcare system and Caribbean tropical risks. However, choosing the right option for your trip can feel confusing, particularly if it’s your first time abroad.
Don’t worry, because below you’ll find a comparison table of the five best travel insurance options for Puerto Rico, analysing prices, coverages, and key features. It’ll help you confidently choose the most suitable policy for your adventure across this beautiful island.
| Coverage | IATI Backpacker / Star | Heymondo (Puerto Rico) | Allianz Travel Puerto Rico | Travelex (Essential – Ultimate plans) | World Nomads (Caribbean: Explorer / Standard) |
|---|---|---|---|---|---|
| Approx. price for 7 days (USD) | $60–105 (€55–97) depending on plan | From $16 (€14.80) per week | From $16 (€14.80) per week | From $60 (€55), but depends heavily on the plan | From $90 (€83), depending on coverage type |
| Medical expenses | Backpacker: $650,000 (€600,000); Star: up to $1,080,000 (€1,000,000) | Up to $10,800,000 (€10,000,000) | Up to $10,800,000 (€500,000) | Essential: up to $25,000 (€23,100); Ultimate: up to $250,000 (€231,000) | Explorer: $150,000 (€138,500); Epic: up to $250,000 (€231,000) |
| Repatriation / evacuation | Included; unlimited in Star | Included | Included | Evacuation up to $200,000 (€185,000) | Evacuation $400,000–500,000 (€370,000–463,000) |
| Luggage theft / loss | Backpacker: $1,620 (€1,500); Star: €2,500 | Included; luggage and electronics protection | Up to $3,240 (€3,000) | Essential: $750 (€695); Ultimate: up to $2,000 (€1,850) | Standard: $1,000 (€925); Explorer: $2,000 (€1,850); Epic: $3,000 (€2,775) |
| 24/7 assistance | Yes, in different languages, no upfront payment | Yes, Spanish app and immediate assistance Yes, multilingual 24/7 | Yes, 24/7 support and Travel On app | Yes, 24/7 assistance and Travel On app | Yes, with international support and online platform |
| Flight delays | Up to $325 (€300) depending on plan | Included, compensation for delays and partial cancellations | Up to $3,240 (€3,000) baggage/delay | Up to $600 (€555) (Ultimate), missed connection included | Includes refund for delay and cancellation |
| Cancellation of the trip | Optional (add-on up to $3,780 (€3,500) or more) | Coverage up to $7,560 (€7,000) | Included in Puerto Rico plan | Upgrades up to $50,000 (€46,200) (Ultimate) | Explorer/Epic: optional partial CFAR cancellation |
| Excess | Usually no deductible | No deductible or upfront expenses | Variable depending on plan | Variable deductible per plan | Variable deductible (check details) |
| Outdoor and adventure sports | Included, extended adventure package | Basic recreational cover; check conditions | Limited cover (standard activities) | Includes kayaking/hiking; extreme sports need an upgrade | Over 150 adventures covered in Explorer/Epic |
Comparison of the five best travel insurance policies for Puerto Rico
The five best travel insurance policies for Puerto Rico
Now that you know what each travel insurance for Puerto Rico offers, let’s go further and explore them in detail. We’ll highlight their strengths and weaknesses so you can choose with confidence.
Before paying, read your policy carefully and pay special attention to the fine print. Doing so helps you avoid misunderstandings or unpleasant surprises when making a claim.
1 – IATI Star or Backpacker: The most complete travel insurance for Puerto Rico with outdoor coverage
IATI offers several travel insurance options for Puerto Rico, but IATI Star and IATI Backpacker are the most recommended, depending on your travel style. Both provide excellent medical coverage, unlimited repatriation, Spanish assistance, and protection against theft, delays, and outdoor activities.
Plan types and estimated prices:
- IATI Backpacker: From $60 (€55) for seven days.
- IATI Star: From $105 (€97) for seven days.
Prices may vary depending on the traveller’s age and destination.
Strengths:
- Medical cover up to $1,080,000 (€1,000,000) for Star or $650,000 (€600,000) for Backpacker.
- Repatriation and medical assistance with no deductible.
- Luggage loss or theft cover up to $2,700 (€2,500).
- Compensation for delays or cancelled flights.
- 24/7 multilingual support with no upfront payment.
- Excellent cover for hiking and recreational outdoor sports.
Weaknesses:
- Trip cancellation isn’t included by default; it’s an optional add-on.
- Doesn’t include high-risk sports like diving, skydiving, or extreme surfing.
2 – Heymondo Top: The best value-for-money insurance for Puerto Rico
Heymondo is one of the most recommended travel insurance companies for Puerto Rico. It combines affordable prices, strong coverage, and modern technology. The Heymondo Travel Top plan stands out for its 24/7 digital assistance, app with Spanish medical chat, and medical cover up to $10,800,000 (€10,000,000) — a truly exceptional amount.
Plan types and estimated prices:
- Heymondo Basic: From $12–15 (€11–14) for seven days.
- Heymondo Viaje Tranquilidad: $18–22 (€17–20) per week.
- Heymondo Travel Top (most complete): $32–36 (€30–33) for seven days.
Strengths:
- Extremely high medical cover (up to $10,800,000 (€10,000,000)).
- No deductible or upfront payments at hospitals.
- Mobile app with multilingual medical assistance for quick support anywhere on the island.
- Trip cancellation included up to $7,560 (€7,000) in higher plans.
- COVID-19 cover (medical, quarantine, and cancellation) available.
- Fully digital claim management through your phone.
Weaknesses:
- The most basic plans don’t include trip cancellation.
- Sports coverage only applies to recreational activities; extreme sports need extra cover.
- Although support is in Spanish, most policy documents are in English if bought outside Europe.
3 – Allianz Travel Puerto Rico: The most reliable option with international support
Allianz Travel stands for trust in the insurance world. With decades of experience and a global presence, its Puerto Rico plan is perfect if you want a solid insurer with strong backing and stable coverage in US territories. Although its limits aren’t as high as other competitors, it offers the right balance for those who value reliability, multilingual assistance, and proven experience.
Plan types and estimated prices:
- Allianz offers several levels, but for a seven-day trip to Puerto Rico, prices range from $16–25 (€15–23), depending on the plan, traveller’s age, and optional coverages.
- You can buy it from the Spanish, US, or international site, which changes policy details but maintains the same core coverage.
Strengths:
- Extensive international experience and global assistance network.
- 24/7 multilingual support, ideal if your companions don’t speak Spanish.
- Medical cover up to $500,000 (€463,000) in standard plans.
- Trip cancellation and delay coverage included in most plans.
- Strong luggage loss cover (up to $3,240 (€3,000) depending on plan).
Weaknesses:
- Doesn’t clearly specify cover for outdoor or adventure activities, so check if you plan to hike, kayak, or surf.
- Medical cover, while good, is lower than Heymondo or IATI Star.
- Some plans include deductibles, depending on your country of purchase.
- Lacks a dedicated mobile app with instant medical chat support.
4 – Travelex Insurance: Ideal for US travellers seeking customisable cover
Travelex Insurance Services is a very popular option in the US market, so it’s ideal if you’re travelling to Puerto Rico from the United States or already there. Its strength lies in offering flexible plans with solid medical cover and the possibility to add benefits such as Cancel for Any Reason (CFAR), family coverage, or sports upgrades.
Plan types and estimated prices:
- Essential: From $60 (€55) for seven days (basic cover).
- Advantage: From $85–100 (€78–92) with better cover and trip cancellation.
- Ultimate: From $150–170 (€138–157), includes CFAR, extended baggage, and delay protection.
Prices vary depending on traveller’s age and total insured trip value.
Strengths:
- Flexible medical cover: From $25,000 (€23,100) (Essential) to $250,000 (€231,000) (Ultimate).
- Medical evacuation up to $500,000 (€463,000) in higher plans.
- Trip cancellation for valid reasons included in most plans.
- CFAR (Cancel for Any Reason) available in the Ultimate plan.
- 24/7 assistance, online platform, and Travel On app for claim tracking.
- Great for family trips, as some plans cover children for free.
Weaknesses:
- Unavailable for purchase outside the United States, making it unsuitable for European or Latin American travellers.
- Variable deductibles depending on the selected plan.
- Basic (Essential) cover may be insufficient for outdoor or high-risk activities.
- Claims process is efficient but lacks advanced mobile tools.
5 – World Nomads: The best choice for active and outdoor trips in Puerto Rico
World Nomads is designed for travellers who never stay still. Its goal is to provide complete cover for those who surf, dive, hike, cycle, or enjoy outdoor adventures. That’s why it’s a very strong choice if you plan to explore Puerto Rico’s natural and adventurous side, from El Yunque to the western beaches or the Camuy caves.
Plan types and estimated prices:
- Standard: From $97 (€90) for seven days.
- Explorer: From $167 (€155) for seven days.
- Epic: From $308 (€285), ideal for demanding travellers with expensive itineraries.
Prices may vary depending on your nationality, age, and selected activities.
Strengths:
- Excellent international medical cover: $125,000–250,000 (€115,700–231,000) depending on plan.
- Medical evacuation and repatriation from $400,000–500,000 (€370,000–463,000).
- Wide coverage for cancellations, interruptions, and travel delays.
- More than 150 outdoor activities included, such as surfing, kayaking, snorkelling, trekking, mountain biking, and diving (depending on plan).
- CFAR (“Cancel for Any Reason”) option available in higher plans.
- Global assistance and the possibility to buy the policy even while already travelling.
It’s the only insurance on this list that you can buy while already abroad and that covers such a wide range of outdoor activities. This makes it the favourite among digital nomads, backpackers, and spontaneous travellers.
Weaknesses:
- Higher prices than average, especially for the Epic plan.
- Doesn’t cover extreme-risk sports without extra add-ons (such as paragliding or climbing).
- Customer service is only in English, which can be a barrier in urgent situations.
- No mobile app with direct medical chat available.
Which is the best travel insurance for Puerto Rico?
After comparing coverage, prices, and advantages, we can say that the best travel insurance for Puerto Rico is Heymondo Travel Top. Its balance between affordability, excellent medical cover, and fast digital support makes it the most convenient option for most travellers.
For under $40 (€37), you’ll get:
- Medical cover up to $10,800,000 (€10,000,000).
- 24/7 Spanish assistance via the mobile app.
- No deductible or need to pay upfront.
- Trip cancellation and delay cover included in higher plans.
In addition, its digital platform allows you to manage everything from your phone, which is extremely useful if you face an issue in a remote part of the island.
Other recommended options based on your travel type:
- Trips with hiking, beaches, or adventure: World Nomads Explorer or Epic, offering excellent sports cover and available even while on the road.
- Family or US-based trips: Travelex Advantage or Ultimate, with special group benefits and CFAR flexibility.
- Frequent or demanding travellers: IATI Star, providing the highest medical coverage and unlimited repatriation.
- International reliability and multilingual support: Allianz Travel, perfect if you prefer a trusted, long-established insurer.
In short, the best choice depends on how you travel, how much protection you want, and what activities you plan to enjoy in Puerto Rico.
Connectivity while travelling in Puerto Rico
Having internet access as soon as you land in San Juan isn’t just convenient: It’s a real necessity. Whether you’re booking an Uber, finding your accommodation, or receiving emergency notifications from your insurer, staying connected in Puerto Rico can save you from plenty of stress.
The best way to do it is with a Holafly eSIM, which offers unlimited data and instant activation with no need to wait for deliveries or search for local SIMs. You can install it in seconds by simply scanning a QR code.
If your trip is short, we recommend checking the daily eSIM for Puerto Rico, perfect for stays of up to two weeks. However, if you’re a digital nomad, remote worker, or planning multiple destinations, it’s best to choose the Holafly monthly plans, which cover over 170 countries with one single activation. You’ll also enjoy unlimited data sharing, a fixed monthly price, and the freedom to change or cancel your plan anytime, with no penalties.
Both options let you keep your WhatsApp number, avoid roaming fees, and enjoy 24/7 English support whenever needed. Without a doubt, the best way to travel through Puerto Rico while staying connected.
Frequently asked questions about travel insurance for Puerto Rico
It’s not mandatory, but we strongly recommend it. Puerto Rico has a private healthcare system like the United States. Without coverage, you’ll need to pay everything yourself. Even a simple clinic visit can cost over $300 (€278). Insurance saves you from unexpected expenses and provides immediate assistance.
Your insurance should cover at least $250,000 (€231,000) in medical expenses, but ideally over $500,000 (€463,000). This ensures protection against hospitalisation, emergencies, or medical evacuation, which can be extremely expensive in Puerto Rico, especially in remote areas or peak season.
No, unless you have an international policy. Most national insurance plans don’t provide cover abroad. Hospitals and clinics in Puerto Rico won’t accept foreign insurance unless it’s travel-specific. Therefore, getting dedicated travel insurance is essential for smooth medical care.
With proper insurance, you can contact 24/7 support by app or phone. In most cases, they’ll coordinate your care, tell you which clinic to visit, and pay medical costs directly. That way, you avoid upfront payments and stressful paperwork during an emergency.
