Mexico, Costa Rica, Dominican Republic, Jamaica – all beautiful countries with a vast array of all-inclusive resorts ideal for couples and families looking to escape from their everyday routine for a week or two. It is something many people look forward to and is a great way for couples and families to spend quality time together while relaxing and soaking up some sun.
While an all-inclusive vacation takes the worry out of what you are going to eat and drink and also provides many leisure activities and entertainment, it is important to choose the right insurance – both for your trip and planned activities – to ensure you are fully protected against unforeseen situations and circumstances.
So, what insurance plans are right for an all-inclusive vacation?
Trip Cancellation Insurance For All-Inclusive Holidays
Trip cancellation insurance will cover the cost of your all-inclusive vacation along with some other coverage including lost luggage, trip delay, and interruption. Trip cancellation insurance is recommended for more expensive trips, especially when purchased far in advance. Trip cancellation is also good for vacations booked with a smaller airline as it may provide coverage if the airline you are flying goes bankrupt.
Recommended Plan:
RoundTrip Elite
- Comprehensive trip protection for U.S. residents traveling abroad.
- Optional rental car collision coverage available.
- Optional Cancel for Any Reason coverage available (if eligible).
Travel Medical Insurance
Travel medical insurance plans often combine trip cancellation benefits with additional medical coverage. This temporary, short-term, health coverage will cover yourself and anyone traveling with you against accidents or illness at an all-inclusive resort. Depending on the plan, you may also receive pharmacy discount savings as well as access to an emergency medical hotline.
Recommended Plan:
Atlas Travel Medical
- You choose between the basic essentials and more extensive coverage.
- Meets Schengen visa insurance requirements.
- 24/7 worldwide travel and emergency medical assistance.
Emergency Evacuation
We live in an unstable world and even the safest destinations may be subject to a situation that forces an emergency evacuation. A typical emergency evacuation plan may include political evacuation and emergency travel assistance services. In addition, should you suddenly become extremely ill or critically injured, you will also be covered. The Center for Disease Control (CDC) recommends emergency medical evacuation coverage, especially when traveling to countries with poor medical resources and facilities.
Recommended Plan:
Medjet Global Medical Transport
- Hospital to Hospital Medical Transfer regardless of Medical Necessity
- All-Expenses-Paid Air Medical Transport in the U.S. as well as Internationally
- Covers both business and personal travel
Adventure Sports Coverage for Your All-Inclusive Getaway
If there is any possibility that you may go hand gliding, jet skiing, jungle zip lining, or scuba diving (which are commonly offered through all-inclusive resorts or their partners) then you should invest in extreme sports insurance. Even inline skating and hot air ballooning are considered adventure sports, and should you be injured while participating in these activities you will be forced to pay out of pocket for medical treatment unless you have the appropriate insurance coverage. Always ensure an activity is covered by your insurance plan before you participate – otherwise, a broken bone could put you out thousands of dollars.
You may think an all-inclusive resort protects you from the dangers otherwise associated with international travel, but emergency situations and accidents can happen anywhere. It is not uncommon to hear of people getting sick from food or injured participating in activities at all-inclusive resorts, so why not invest in the appropriate travel insurance to guarantee that if this happens to you-you will be covered?
In addition to purchasing insurance, make sure to choose a reputable all-inclusive destination and read traveler reviews prior to booking. Look for recent write-ups indicating that guests can become ill from eating the food or that mention dirty bedding and rooms. When choosing a resort do keep in mind that price may reflect quality. Your best bet to having an enjoyable time while on an all-inclusive vacation is to know what to expect and to be protected against the unexpected.
Recommended Plan:
Liaison Travel Elite
- Comprehensive medical coverage from 5 days to 3 years
- Your choice of medical maximum and deductible options
- An extensive worldwide network of providers
Related: Holiday Travel Insurance Plans
