Travel Insurance from St. Maarten & Saint Martin

Emergency Medical Insurance

Emergency medical insurance may help pay for costs such as hospital fees, prescriptions and treatment if you have a medical emergency while travelling. Health care costs differ between countries and islands, and your regular health insurance may or may not apply abroad or on a neighbouring island. It can be worth checking what your existing cover includes and what a travel policy adds.

Trip Insurance

Trip cancellation insurance may reimburse non-refundable trip expenses if you have to cancel for a reason listed in the policy, such as illness. The reasons that qualify, the amounts and the exclusions depend on the insurer and policy wording.

Baggage Loss/Damage Insurance

Baggage insurance may reimburse you if luggage and personal items are lost, damaged or stolen during your travels, up to the policy limits. Some plans also address delayed luggage. Limits for individual items and proof requirements often apply.

Flight Insurance

Flight insurance may reimburse flight expenses you forfeit, or additional costs you incur, because of an interruption or delay covered by the policy. What counts as a covered event depends on the policy wording.

Understanding the Cover

What Travel Insurance Is Designed to Do

Travel insurance is designed to help with certain costs when something unexpected affects a trip, such as emergency medical care, a delay, an interruption or a cancellation. Depending on the policy, it may reimburse some expenses you paid or incurred. Policies differ in what they cover, and covered events and limits are set out in the policy wording.

Is Travel Insurance Worth Considering?

Whether travel insurance suits you may depend on the cost of the trip, how much of it is refundable, your health, where you are going and what other cover you already have, for example through a credit card or an existing health policy. Trip cancellation cover may apply to some non-refundable costs if you cancel for a covered reason, and medical cover may help with bills if you need care while travelling.

Travel insurance involves a premium, and the price depends on factors such as the destination, trip length and traveller ages. You can speak with an advisor about your plans and compare quotes from insurers.

How Medical Travel Insurance Works

Emergency medical travel insurance is designed to help with costs if you are injured or become ill during a trip, such as hospital fees, doctor visits, prescriptions and treatment. Policies set out the covered events, exclusions, claim process and benefit limits. Pre-existing medical conditions are often treated in particular ways, so it may be worth reading that part of the wording closely. An advisor can explain how medical travel insurance is described in a policy.

Things to Consider

Why Consider Travel Insurance

Travel from St. Maarten, whether through Princess Juliana International Airport or by ferry to nearby islands, can involve flight delays or cancellations, lost or damaged baggage, illness or injury abroad, and changes to plans at home. Travel insurance is one way people prepare for these possibilities. Policies may reimburse certain medical costs, lost baggage or forfeited trip expenses, depending on the terms.

Before you travel, it can help to check the policy details, such as what is covered, what is excluded, and the claim steps. You can contact an advisor to talk through your itinerary and the cover options that may be relevant.

Travel Insurance in Sint Maarten and Saint Martin

Many people in Sint Maarten (the Dutch side) travel often, whether to the French side, Anguilla, St. Barths, Saba or Sint Eustatius, or further afield to the US, the Netherlands and elsewhere in the Caribbean. Most long-distance trips start at Princess Juliana International Airport, and shorter trips may use ferries or small aircraft. Policies can differ in how they treat these journeys, so it is worth asking about covered destinations, trip length, transport type and any conditions on medical cover. Atlantic hurricane season (1 June to 30 November) is another point some travellers raise when they ask about cancellations and interruptions. The currency of the sum insured and the premium is also worth checking. An advisor can explain what applies locally.

Contact Us

If you are planning a trip, you can speak with an advisor to discuss your travel plans and ask for quotes from insurers.

To discuss this, you can request a call back or call +1 721 542 5078. The offices are in Philipsburg and Cole Bay.