travel insurance bermuda

Top Travel Insurances for Bermuda You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Bermuda is an Atlantic island that's home to crystal-clear waters, charming island landscapes, and the famous Crystal Caves. Although travelling to Bermuda can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Bermuda and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Bermuda Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Bermuda:

Best Travel Insurances for Bermuda

• 01. Should I get travel insurance for Bermuda? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Bermuda scroll down

Heading to Bermuda soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Bermuda?

No, there's currently no legal requirement to take out travel insurance for travel to or through Bermuda.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Bermuda or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Bermuda:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Bermuda. It lets you choose between various plans tailored to meet the specific needs of your trip to Bermuda, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Bermuda:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Bermuda? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Bermuda

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Bermuda. However, we strongly encourage you to do so anyway, because the cost of healthcare in Bermuda can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Monito is trusted by 15+ million users across the globe.

Monito's experts spend hours researching and testing services so that you don't have to.

Our recommendations are always unbiased and independent.

• Motor Insurance
• Home Insurance
• Marine Insurance

Travel Insurance

• Health Insurance
• Investing and Retirement
• Articles and guides
• Property and Liability Insurance
• Commercial Vehicle Insurance
• Construction Insurance
• Marine and Transit Insurance
• Professional and Specialty Insurance
• Group Health Insurance
• Group Life and Disability Insurance
• Group Pension
• New to Bermuda
• Health coverage for the temporary visitor
• Customer Due Diligence (AML)
• _______________________________________
• Financial calculators
• How to make a claim
• LiveWell with BF&M
• Medical providers
• Newsletters
• Pension Funds
• Understanding preventative healthcare
• Understanding your health insurance premiums
• How to navigate hurricane season in Bermuda
• Understanding underinsurance
• Company overview
• The BF&M difference
• Community engagement
• Corporate structure
• Press releases
• Quote & Buy
• Make a Claim
• Make a Payment
• Employee Benefits
• Media and investors
• Terms of use
• Terms & Conditions
• Privacy Policy
• Livewell Access your Livewell portal
• Health Access your health portal
• Pensions Access your pensions portal
• Medical Providers Access provider inquiry portal and claims upload services

ANNOUNCEMENT: BF&M and Argus announce plans to combine To read more about how we’re planning to move forward together,  click here .

Want to speak with a BF&M representative? +1-441-295-5566

Retrieve a saved quote

Do you need to make a claim? Get started below.

Are you looking to make a payment online? Simply log into your account. +1-441-295-5566

Travel with peace of mind

Travel is an essential part of life for many Bermuda residents, but unforeseen mishaps can easily spoil your plans. Whether you are travelling for business or pleasure, take the worry out of your journey with an affordable package from BF&M.

Our extensive travel insurance covers:

• Medical expenses
• Emergency travel expenses
• Travel cancellation and curtailment expenses
• Personal accident expenses
• Loss, damage, or delay of baggage and personal effects
• Individual trips or all the trips you take in a one-year period

Student Personal Property and Travel

For 365 days of the year, and for unlimited trips, student travel and personal property insurance covers:

• Replacement of personal property including dorm and apartment furniture, and electronics
• Reimbursement of travel or accommodation expenses if a trip is cancelled or curtailed
• Compensation if involved in a personal accident
• Compensation for medical/emergency travel for student and/or close relatives

Travel Insurance brochure

Articles & guides, preparing to travel.

Travel is an essential part of Bermudian life - we help you make the most of it.

Making a claim is easier than you think: what to do and what you'll need

Get back on your feet right away by following these easy-to-follow steps.

Moving to Bermuda? Here's what you should know

Welcome to Bermuda! Here's what you need to know about getting insurance here.

View All Articles & Guides

BF&M travel insurance policy excludes losses as a result of a pandemic.

BF&M travel insurance policies do cover cruise cancellations, for covered reasons, if you have selected cancellation coverage.

It offers a wide range of coverage including medical expenses, emergency travel expenses, travel cancellation expenses, personal accident expenses, and more.

At BF&M, our travel insurance covers the cost of replacement for travel documents such as passports, tickets, and visas against loss or damage.

The policy does not cover change of mind. There are several specific clauses that allow you to cancel your coverage though if required.

View More FAQs

Do you want to learn more? Call us for advice or for a quote.

• Best Extended Auto Warranty
• Best Used Car Warranty
• Best Car Warranty Companies
• CarShield Reviews
• Best Auto Loan Rates
• Average Auto Loan Interest Rates
• Best Auto Refinance Rates
• Bad Credit Auto Loans
• Best Auto Shipping Companies
• How To Ship a Car
• Car Shipping Cost Calculator
• Montway Auto Transport Review
• Best Car Buying Apps
• Best Sites To Sell a Car
• CarMax Review
• Carvana Review (July 2024)
• Best LLC Service
• Best Registered Agent Service
• Best Trademark Service
• Best Online Legal Services
• Best Accounting Software
• Best Receipt Scanner Apps
• Best Free Accounting Software
• Best Online Bookkeeping Services
• Best Mileage Tracker Apps
• Best Business Expense Tracker Apps
• Best CRMs for Small Business
• Best CRM Software
• Best CRM for Real Estate
• Best Marketing CRM
• Best CRM for Sales
• Best SEO Services
• Best Mass Texting Services
• Best Email Marketing Software
• Best SEO Software
• Best Free Time Tracking Apps
• Best HR Software
• Best Payroll Services
• Best HR Outsourcing Services
• Best HRIS Software
• Best Project Management Software
• Best Construction Project Management Software
• Best Task Management Software
• Free Project Management Software
• Best Personal Loans
• Best Fast Personal Loans
• Best Debt Consolidation Loans
• Best Personal Loans for Fair Credit
• HOME EQUITY
• Best Home Equity Loan Rates
• Best Home Equity Loans
• Best Checking Accounts
• Best Online Checking Accounts
• Best Online Banks
• Bank Account Bonuses
• Best High-Yield Savings Accounts
• Best Savings Accounts
• Average Savings Account Interest Rate
• Money Market Accounts
• Best CD Rates
• Best 3-Month CD Rates
• Best 6-Month CD Rates
• Best 1-Year CD Rates
• Best 5-Year CD Rates
• Best Hearing Aids
• Best OTC Hearing Aids
• Most Affordable Hearing Aids
• Eargo Hearing Aids Review
• Best Medical Alert Systems
• Best Medical Alert Watches
• Best Medical Alert Necklaces
• Are Medical Alert Systems Covered by Insurance?
• Best Online Therapy
• Best Online Therapy Platforms That Take Insurance
• Best Online Psychiatrist Platforms
• BetterHelp Review
• Best Mattress
• Best Mattress for Side Sleepers
• Best Mattress for Back Pain
• Best Adjustable Beds
• Best Home Warranty Companies
• Best Home Appliance Insurance
• American Home Shield Review
• Liberty Home Guard Review
• Best Moving Companies
• Best Interstate Moving Companies
• Best Long-Distance Moving Companies
• Cheap Moving Companies
• Best Window Brands
• Best Window Replacement Companies
• Cheap Window Replacement
• Best Gutter Guards
• Gutter Installation Costs
• Best Solar Companies
• Best Solar Panels
• How Much Do Solar Panels Cost?
• Solar Calculator
• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• Compare Car Insurance Quotes
• Best Car Insurance for New Drivers
• Best Pet Insurance
• Cheapest Pet Insurance
• Pet Insurance Cost
• Pet Insurance in Texas
• Pet Wellness Plans
• Best Life Insurance
• Best Term Life Insurance
• Best Whole Life Insurance
• Term vs. Whole Life Insurance
• Best Travel Insurance Companies
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Best Motorcycle Insurance
• Cheapest Homeowners Insurance
• Cheapest Renters Insurance

Partner content:  This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission.  Learn More

Travel Insurance for a Bermuda Vacation (2024)

Compare travel insurance rates from the top providers for your trip to Bermuda

in under 2 minutes

with our comparison partner, Squaremouth

Stephanie Horan is a lead data analyst who specializes in analyzing trends in the personal finance and home-buying spaces. A certified educator of personal finance (CEPF®), she is passionate about translating data into digestible financial insights for a broad audience.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Known for its beautiful pink sand beaches and exciting island culture, Bermuda is an inviting location for those who enjoy sunshine, swimming, spa days and a relaxed lifestyle.

To protect your trip and the money you invested in it, you should buy good travel insurance. In fact, it’s something worth purchasing before you visit any other country. Traveling uninsured can leave your finances vulnerable should travel delays or interruptions occur. Having the best travel insurance will give you peace of mind for your trip.

Compare Bermuda Travel Insurance Companies

Why trust marketwatch guides.

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Bermuda?

As of early 2023 , travelers to Bermuda must have insurance that covers COVID-19 or must be prepared to cover all health and accommodation costs should they need to quarantine. Many insurance plans will include COVID-19 in their medical coverage, but always check with your insurance provider to ensure you are appropriately covered.

Remember, also, that travel insurance can do more for you than cover your medical costs. Having a solid policy will let you claim reimbursements should you face any delays or interruptions on your journey. Travel insurance will also allow you to cancel your trip and claim back any non-refundable deposits, which could save you a lot of money.

Almost all travel insurance companies have several additional coverages they can add to their plans. You get to pick what you want, but each add-on comes with an additional price tag. The following sections give an overview of the different options you can consider for your trip to Bermuda.

Cancel for Any Reason Coverage

Cancellation coverage allows you to get back the money you pre-paid for your trip. This rider always comes with specific exclusions. Some are standard, others are specific to a particular carrier. Exclusions are reasons why the insurer would decline a claim.

To avoid that, you can pick a cancel for any reason coverage (CFAR) rider. This will allow you to cancel your trip for reasons outside of the standard terms and conditions in your insurance plan and is a great choice for travelers who want more robust coverage.

CFAR coverage also has certain limitations. The details of these limitations will be different across insurance companies, but travelers should expect:

• Less than 100% of the insured trip costs in their reimbursement package
• A time limit on when CFAR can be purchased
• State-of-residence requirements

The state-of-residence requirements matter because all forms of insurance are regulated at the state level, and states have different laws in place, including for travel.

Gear Theft Protection

If you take expensive equipment and valuables on vacation, gear theft protection is a great option. This specific protection covers the cost of expensive gear should it get stolen. This is particularly useful for items like cameras, laptops and sports equipment, all of which could be expensive to replace.

Gear theft protection is a great benefit, but it may not provide adequate coverage for multiple items. Most policies include a combined maximum for items like jewelry, which can be as low as $500.

If you want to take specific items with you on vacation, consider taking out a policy for each item to make sure it’s protected for your vacation. You may also have coverage from your credit card or homeowners insurance, so it’s smart to check this before you buy additional coverage.

Medical Emergency Insurance and Emergency Medical Evacuation

Medical emergency insurance is an element of travel insurance that will cover the costs of medical treatment you receive on your vacation. It is also commonly called travel medical insurance and travel health insurance.

The protection extends to most emergency medical care, but there will be some exclusions in your policy. Your travel health insurance will cover you for medical expenses like:

• Emergency medical transport
• Hospitalization
• Emergency treatments and surgeries
• Prescriptions

Alongside medical emergency insurance, travel insurance plans have coverage for emergency medical evacuations . This is often referred to as medical repatriation, and it means returning you to your home country for medical care. Coverage for medical repatriation costs much more because it includes transportation costs.

Trip Cancellation Insurance

No one wants to cancel a vacation, but unforeseen events can change travel plans at a moment’s notice. Fortunately, trip cancellation insurance allows you to get back any non-refundable trip deposits, such as for flights and accommodations, if you must cancel your trip.

Cancellation insurance usually covers 100% of your insured trip cost. Cancellation insurance is also subject to exclusions, so your insurance provider may not honor all reasons for canceling.

Check the terms and conditions of your insurance plan, but some common reasons for canceling include:

• Military or jury service
• Death of a traveling companion or family member
• Natural disasters that make your journey impossible
• A sudden illness that will severely impact your travel

How Much Does Bermuda Travel Insurance Cost?

The cost of travel insurance can change based on multiple factors, such as a traveler’s age, destination and length of the vacation. Some insurers may offer cheaper insurance plans , but these may not have appropriate coverage for your trip.

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Bermuda. The below quotes are for a 30-year-old traveler from Florida, traveling to Bermuda for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

The plans above are all the lowest level of coverage that the companies offer, yet their costs range from $34 to $60. All the plans include 100% cancellation coverage and up to $500 for lost or stolen baggage.

The significant differences are between medical coverage and emergency evacuation. USI Affinity provides the highest premium at $50,000, which is much more than the other plans. Allianz is the only plan to offer $50,000 for emergency medical evacuation, the lowest out of all the policies.

How Do I Get Travel Insurance for Bermuda?

Before you buy travel insurance, compare price quotes from multiple insurance providers. Doing this will help you get the best plan for the best price. Most insurance companies will have an online quote calculator that can show you the expected cost of your insurance plan based on your trip and personal details.

You can buy travel insurance online or if you book your trip with a travel agent, who can help you navigate various insurance plans. If you’re concerned about the cost of travel insurance, there are providers who offer cheaper insurance plans , but they may have less coverage.

Bermuda Safety Tips

Bermuda is a safe travel destination with low crime rates. Travel advisories don’t list any causes for concern related to crime on the island, but travelers should be mindful of the hurricane season between June and November.

Among travelers, safety is almost always the No. 1 concern, no matter the destination.

Crime and Safety

Bermuda has a low rate of violent crime. Petty crimes like pickpocketing and mugging are also uncommon, but they’re not unheard of. Visitors should remain cautious when in Hamilton and avoid going out late at night.

Another cause for concern is local taxi drivers, since  there’s little regulation of the industry on the island. Most travelers encounter no issues, but this is important to be aware of.

The Bermuda Police have a list of helpful tips for tourists that you should read before your trip.

Day Trips, Tours and Excursions 

Bermuda has a variety of day trips and tours to fill up a vacation. For culture fans, the Bermuda National Gallery offers an exciting opportunity to discover artworks from the 1600s. For those seeking adventure, tours of the crystal caves and shipwreck diving are excellent options for a day out.

The main cause of concern for Bermuda excursions is adverse weather. Hurricanes are unlikely but also unpredictable. If you’re planning any boating or diving trips, this is especially important. The best advice is to always check the weather forecast before embarking on any days out or tours, as these could be massively impacted by a storm.

Because the pandemic is no longer a global health emergency, the Bermudian government has removed all entry requirements related to COVID-19. This means that you don’t have to provide vaccination details to enter the country.

Travelers should still be mindful of COVID-19, be sure to isolate yourself if you feel unwell, and wear a face covering if needed.

More information can be found on the Bermudian government website .

The Bottom Line: Is Travel Insurance for a Bermuda Vacation Worth It?

A vacation in Bermuda has everything you could want for a Caribbean getaway. Having travel insurance is part of the visa application process , but even so, it is definitely worth having .

All trips can face travel delays and disruptions, especially in Bermuda where hurricanes can impact travel. Having good travel insurance provides a useful safety net should you encounter problems, and it could get you your money back from a trip not taken or cut short.

More information about travel insurance for Bermuda can be found in the FAQs below.

Frequently Asked Questions About Travel Insurance in Bermuda

Can i claim compensation for canceled flights.

You can claim compensation if your flight is canceled. The airline may book you onto the next available flight initially, but you can claim any expenses resulting from the delay on your travel insurance.

Can I purchase insurance after booking a flight?

You should always purchase travel insurance after you have made all necessary payments for your vacation. This is so you can insure your trip costs.

You can also buy travel insurance once you have already departed on your vacation. This is helpful when you need to extend your trip and still want to be covered by your insurance.

Is it mandatory to travel with travel insurance?

Not all countries require tourists to have travel insurance. Bermuda currently requires visitors to at least have COVID-19 coverage in their insurance, or be able to foot the bill for quarantining if necessary. Even when it’s not required, having a travel insurance plan is recommended.

Will my travel insurance cover me if I get coronavirus?

Most plans will include COVID-19 in their medical and interruption coverage, although this is not always the case. Check the details of your insurance plan carefully. If you’re not covered, you may be able to purchase additional protection that includes COVID-19.

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

More Resources:

Bermuda Travel Insurance

• Get a Quote
• Renew/Extend Coverage
• Retrieve Quote

Do you require trip protection?

Are you an international student or scholar, tell us about your travelers.

Easily renew or extend your coverage.

If you have saved a quote within the past 14 days you can quickly and easily retrieve the quote and add, modify and change information for that quote. In the top right corner of the quote you saved you will see a unique number.

Is travel insurance required to enter Bermuda? 

All that is needed to enter Bermuda is a valid passport and the Bermuda Arrival Card , which can be completed online. Travel insurance is no longer required. 

Why should you buy travel insurance to visit Bermuda? 

Your primary health care plan may not cover you away from your home country; therefore, we recommend travel insurance with emergency medical coverage when traveling internationally. Trawick International offers numerous travel medical insurance and trip cancellation insurance plans.  We recommend purchasing a trip cancellation policy that provides Cancel for any Reason Benefit (CFAR) for added protection. 

Do the trip cancellation plans from Trawick International cover COVID-19?

Yes, most of our travel medical and trip cancellation plans treat COVID-19 like any other sickness. 

Optional Cancel for Any Reason coverage:

On select trip cancellation plans, Trawick International offers Cancel for Any Reason (CFAR) . CFAR provides reimbursement for 75% of the prepaid, nonrefundable, forfeited payments you paid for your trip if you cancel your trip for any reason not otherwise covered by this policy - like border closures or travel bans - at least 48 hours before you are due to depart.  This coverage MUST be purchased with the initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. (This benefit is not available in every state).

How much does travel insurance cost?

Depending on your age, trip cost, length of trip, and other factors will determine the cost of your travel insurance policy.  To obtain the most cost-effective, inclusive, and customized trip cancellation plan, make sure to include all non-refundable travel expenses so you can recover the investment if your trip is canceled or interrupted. 

When should you buy travel insurance?

To obtain the best value and have the most benefits possible, we recommend you purchase travel insurance 21 days before the initial trip deposit date and include all prepaid, nonrefundable trip costs. You can still purchase travel insurance after 21 days, but you may not be eligible for time-sensitive benefits such as CFAR or Financial Default.  Don’t miss out on the CFAR benefit if it’s eligible in your state. 

PLEASE NOTE: Guidelines may have changed since this was published. Before traveling, you should always check your destination's COVID-19 situation and travel requirements. Countries may have their own entry and exit requirements. Additionally, always check for travel advisories in the area to which you are traveling. Refer to https://www.cdc.gov/ and https://travel.state.gov/content/travel.html for up-to-date information and guidelines.

Privacy Policy

Trawick International’s Privacy Policy

Welcome to our website.  We appreciate your interest in us.  We take the privacy of our customers very seriously and are committed to protecting your privacy. This policy explains how we collect, use, and transfer your personal data, and your rights in relation to the personal data stored by us when you use our website or otherwise engage with our services.

Effective October 3, 2023

This policy sets out the following:

• What personal data we collect about you and how;
• How the data is used;
• Our legal basis for collecting your information;
• Who we share your data with;
• Where we transfer your information;
• How long we retain your information for;
• Your rights and choices in relation to the data held by us;
• How to make a complaint in relation to the data held by us;
• How to contact us with any queries in relation to this notice, or the personal data held by us.

Who is Trawick International?

Trawick International (“we,” “us,” or “our”) provides worldwide travel medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance, and many other products designed specifically for those traveling.  Our travel insurance programs are designed for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.  We offer an extensive worldwide network of quality physicians, hospitals, and pharmacies.  We cover employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips, and just the casual vacation traveler.  Our individually customized plans can cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay, and lost baggage.   

For the purposes of European data protection laws, if you are visiting our  website www.trawickinternational.com (or otherwise engaging with our services from the European Economic Area (or "EEA"), the data controller of your information is Trawick International.

What is personal data?

In this privacy policy, references to "personal information" or "personal data" are references to information that relates to an identified or identifiable individual. Some examples of personal data are your name, address, email, and telephone number, but it may also include information such as your IP address and location in certain jurisdictions.

What personal data do we collect?

We collect personal data that you provide to us when you sign up for our services, such as your contact information and financial information. We may also collect commercial information based on how you interact with our services, such as the products or services you’ve purchased or other Internet or network activity, such as your website browsing history or mobile device information.

Below are some more details on the type of personal data we collect.

Information that is provided by you:

In order to provide services to you we may ask you to provide personal information. This may include, amongst other things, your name, email address, postal address, telephone number, gender, date of birth, passport number, bank account details, credit history and claims history, citizenship status, marital status depending on the service you are seeking. The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point at which we ask you for it or upon request.

Some of the information that you provide may be “special category” (or “sensitive”) personal data. Sensitive personal data relates to your racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation, and can sometimes be inferred from other, non-sensitive, information that you have provided.

Information that we collect on our website:

When you visit our website, we will seek your consent to collect certain information from your device. In some countries, including countries in the EEA, this information may be considered personal information under applicable data protection laws.

Specifically, the information we are seeking to collect includes information like your IP address, device type, unique device identification numbers, browser type, broad geographic location ( e.g., country or city-level location) and other technical information. We may also collect information about how your device has interacted with our website, including the pages accessed and links clicked.

Collecting this information enables us to better understand visitors to our website, where they come from, and what content on our website is of interest to them. We use this information for our internal analytics purposes and to improve the quality and relevance of our website to our visitors.

Some of this information may be collected using cookies and similar tracking technology, as explained further under the heading “Cookies" below.

Information that we obtain from third party sources:

From time to time, we may receive personal information about you from third party sources but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us.

For information about a third party’s usage and/or sharing of your personal data, please refer to the third party’s own privacy statement.

We may, where we are legally permitted to, also collect personal data from the following sources in order to provide services to you:

• Credit reference agencies;
• Anti-fraud and other databases;
• Government agencies;
• Electoral register;
• Court judgments;
• Sanctions lists;
• Family members; and
• In the event of an insurance claim: the other party to the claim, witnesses, experts, loss adjusters, solicitors, and claims handlers.

How is personal data used?

We may need to use your personal data in order to carry out the following activities:

• To set you up as a new client (including carrying out “know your customer” checks);
• To provide you with an insurance quote;
• To provide our products and services to you;
• To respond to your inquiries;
• To accept payments from you;
• To communicate with you about your policy;
• To renew your policy;
• To obtain reinsurance for your policy;
• To process insurance and reinsurance claims;
• For general insurance administration purposes;
• To comply with our legal and regulatory obligations;
• To model our risks;
• To defend or prosecute legal claims;
• To investigate or prosecute fraud;
• To respond to your enquiries; or
• To secure our network and our website, debug the website and repair errors;
• To conduct audits related to our interactions with you;
• To make our products and services better and to develop new products and services;
• To send you notices and information regarding our products or services, including notifying you about special promotions or offers, where we are legally permitted to do so; and
• Enforce our Terms and other usage policies and comply with legal requirements.

Our legal basis for collecting your information:

Our legal basis for collecting and using your personal data will depend on the personal data concerned and the specific context in which we collect it.

We will normally collect personal data where we need the information to provide you with our services / perform a contract with you, where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms, or with your consent.

In some cases, we may use your personal data for a legal obligation, e.g., in order to complete “know your customer” and money laundering checks before taking you on as a new client.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory (as well as of the possible consequences if you do not provide your personal information). You are under no obligation to provide personal data to us. However, if you should choose to withhold requested data, we may not be able to provide you with certain services.

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are.

If you are a UK resident, we may collect and use your personal information, including sensitive personal information, on the basis of the insurance derogation in the UK Data Protection Act 2018.

If you are an EU resident, we may collect and use your personal information, including sensitive personal information, on the basis of the substantial public interest of insurance purposes, as regulated in the General Data Protection Regulation (GDPR).

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information, please contact us using the contact details provided under the “Contact Us" section below.

Who is your personal data shared with?

We may disclose your personal information with the following categories of recipients.

• To our group companies, third party service providers and partners who provide data processing services (for example data hosting and storage companies, email marketing affiliates, and payment and claims processing companies) or who otherwise process personal information for purposes that are described in this Privacy Policy (see “How is personal data used?”).
• To any competent law enforcement body, regulatory, government agency, court or other third party where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person;
• To a potential buyer (and its agents and advisers) in connection with any proposed purchase, merger or acquisition of any part of our business, provided that we inform the buyer it must use your personal information only for the purposes disclosed in this privacy policy;
• To any other person with your consent to the disclosure.

We do not sell (or exchange) your personal information for monetary compensation.

If you are a US resident, from time to time we may share your personal information with third parties for a third party’s own direct benefit and this type of sharing may be considered a sale under certain applicable laws. For more information on the type of information we may share in this manner, please contact us.

International Transfers

Your personal data may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different to the laws of your country.

Specifically, the servers of Trawick International are located in the United States. Trawick International partners with many other international companies.  This means that when we collect your information, we may process it in other countries.

We have taken appropriate safeguards to require that your personal data will remain protected in accordance with this privacy policy. We have also taken appropriate  safeguards with our third party service providers and partners.

How long is personal information retained?

We will keep your personal data on our records for as long as we have an ongoing legitimate business need to do so. This includes providing you with a service you have requested from us or to comply with applicable legal, tax or accounting requirements. It also includes keeping your data for so long as there is any possibility that you or we may wish to bring a legal claim concerning our services, or where we are required to keep your data for legal or regulatory reasons. Please contact us using the contact details provided under the “Contact Us" section below should you require further information on our record retention procedures.

We may also retain your personal data where such retention is necessary in order to protect your vital interests or the vital interests of another natural person.

Your Rights as a Data Subject

You have the right to opt out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are an EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

Similarly, if we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information that was lawfully collected on grounds other than consent.

You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

You may exercise any of your rights in relation to your personal data by contacting us using the details set out in the “Contact us” section at the bottom of this page.

If you are resident in the UK or EU, your principal rights under data protection law are as follows:

• the right to access;
• the right to rectification;
• the right to erasure;
• the right to restrict processing;
• the right to object to processing;
• the right to data portability;
• the right to complain to a supervisory authority; and
• the right to withdraw consent.

If you wish to access, correct, update or request deletion of your personal information, we will ask you to provide us with a copy of any two of the following documents: Driver’s license; Passport; Birth certificate; Bank statement (from the last 3 months); or Utility bill (from the last 3 months). With regards to your right of access, the first access request will be complied with free of charge, but additional copies may be subject to a reasonable fee.

In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information.

If we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

Contact details for other data protection authorities in the European Economic Area, Switzerland and certain non-European countries (including the US and Canada) are available  here .

If you are based in the UK or EU, you may exercise any of your rights in relation to your personal data by contacting us using email or you can use the details set out in the “Contact Us” section at the bottom of this page.

If you are resident in the US, applicable law may entitle you, upon verifiable request, to receive disclosures relating to:

• The categories and specific pieces of information we have collected;
• The categories of sources from which the personal information is collected;
• The business or commercial purpose for collecting personal information; and
• The categories of third parties with whom we share personal information.

If you wish to exercise any of the rights described above, we will ask you to verify your identity. We generally will not charge to reply to your request, but we may charge a reasonable fee or refuse your request if the request is unjustified or excessive.

Automated decision making

In some instances, our use of your personal information may result in automated decisions being taken (including profiling) that legally affect you or similarly significantly affect you.

Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review. For example, in certain instances we may use automated decisions to establish whether we will propose insurance coverage to a prospective insured. We have implemented measures to safeguard the rights and interests of individuals whose personal information is subject to automated decision-making.

When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision.

As mentioned above, we may use your personal data to send you marketing materials.

If you are a UK or EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are resident in the US, you do not need to opt-in to receive marketing materials from us, and you have the right to opt-out of receiving such communications. If you would like to stop receiving marketing information from us, please unsubscribe by clicking the “unsubscribe” link in the relevant marketing email or contacting us.

Trawick International is committed to keeping our customers’ data safe. We have security measures in place designed to protect against the loss, misuse, and/or alteration of personal data under our control. Although we cannot ensure or guarantee that loss, misuse, or alteration of data will not occur, we use our best efforts to prevent this. If you have any concerns that your Trawick International account or personal data has been put at risk, please contact us.

Our sites use cookies (a small piece of information that is placed on your computer when you visit certain websites) to distinguish you from other users, to track your browsing pattern and to build a profile of how you and other users use our sites. This helps us to provide you with a good experience when you browse any of our sites and also allows us to improve our sites. If you have an online account with us, we also use cookies to recognize you to pre-fill forms to save you time. Trawick International does not mandate cookies for you to access our sites and you may freely set your browser to reject all cookies or prompt you to accept or reject them. Some of the cookies we use are session cookies and only last until you close your browser, others are persistent cookies which are stored on your computer for longer. We may collect information through web beacons about your web browsing activities such as the address of the page you are visiting, the address of the referrer page you had previously visited, the time you are viewing the page, your browsing environment, and your display settings. We do this in order to optimize your browsing experience, the use of web-based services and provide you with relevant information on Trawick International products and services when you have opted-in to receiving such correspondence.

We will not respond to Web browser “do not track” signals. If you would like additional information about online tracking and various opt-out mechanisms, please see https://youradchoices.com/

Because we may link to social media sites, and from time to time may include third-party advertisements, other parties may collect your personally identifiable information about your online activities over time and across different web sites when you visit this Site.

Please note that not all tracking will stop even if you delete cookies.

Children's Data

Our websites and applications are not directed to children under 16 and we do not knowingly collect any personal information directly from children under 16. If you believe that we are processing personal information pertaining to a child inappropriately, we ask you to contact us using the information provided under the “Contact Us” section.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws.

You can see when this Privacy Policy was last updated by checking the “effective date” displayed at the top of this Privacy Policy.

Any changes will be effective only after the effective date of the change and will not affect any dispute arising prior to the effective date of the change.

If you have any questions about this Privacy Policy, please contact us using the following contact details:

Post Office Box 2284

Fairhope, Alabama USA 36533

Toll Free Telephone Number: +1 (888) 301-9289

Terms and Conditions of Use

Important information.

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by Trawick International Inc., in any jurisdiction where such an offer or solicitation would be unlawful or in which Trawick International, Inc., is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times.

All products contain certain conditions, restrictions, limitations and eligibility requirements. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services. For complete terms, exclusions and conditions applicable to the products offered please contact Trawick International .

By using this website, you agree to the terms of its use. If you do not agree to these terms, PLEASE DO NOT USE THIS WEBSITE. For additional information or questions, please contact Trawick International or your independent insurance broker or agent.

TERMS & CONDITIONS OF USE

Effective Date: October 6, 2023

INTRODUCTION

THESE TERMS & CONDITIONS OF USE (“T&C”) GOVERN YOUR USE OF TRAWICK INTERNATIONAL, INC.’S (“COMPANY”, “WE”, “OUR”, OR “US”) WEBSITE LOCATED AT WWW.TRAWICKINTERNATIONAL.COM OR OTHER WEBSITES CONTROLLED BY COMPANY AND ITS AFFILIATES AS WELL AS ANY DOCUMENTS EXPRESSLY INCORPORATED BY REFERENCE AND ANY RULES AND POLICIES PUBLISHED ON THIS WEBSITE (THE “WEBSITE”).

BY ACCESSING THIS WEBSITE, YOU AGREE TO THE T&C, REVISIONS, AND MODIFICATIONS. ALL CHANGES ARE EFFECTIVE IMMEDIATELY UPON POSTING, AND APPLY TO ALL ACCESS TO AND USE OF THE WEBSITE THEREAFTER. ANY CHANGES WILL NOT EFFECT ANY DISPUTES ARISING PRIOR TO THE EFFECTIVE DATE OF THE CHANGE. WE MAY SEND YOU NOTICES WITH RESPECT TO THE WEBSITE IN VARIOUS MEDIUMS, INCLUDING BY EMAIL ADDRESS, POSTAL MAIL, AND/OR BY POSTING ON THE WEBSITE.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE “ARBITRATION AND CLASS ACTION WAIVER” SECTION BELOW, AND IF YOU DO NOT OPT-OUT AS SET FORTH IN THAT SAME SECTION, YOU AGREE THAT DISPUTES BETWEEN YOU AND COMPANY OR ITS AFFILIATES WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR ARBITRATION.

ACCESS TO THIS WEBSITE

To access the Website or some of its resources, you may be asked to provide certain personal details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete.

In addition, certain other services of the Website, such as applying for coverage, may be governed by additional or different terms and conditions. You should carefully review those terms and conditions as they are referenced and/or presented to you.

We reserve the right to withdraw, amend, disable or suspend this Website, and any service or material we provide on the Website, in our sole discretion with or without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of the T&C.

Your privacy matters to us. Your use of the Website is also subject to our Privacy Policy that is available online here (“Privacy Policy”) and is incorporated into and made a part of these Terms of Use. The Privacy Policy is subject to change, and you are encouraged to review the Privacy Policy whenever you supply the Website with any information because you agree that Company can collect, use, and share your information consistent with that policy.

RESTRICTIONS ON USE

You may use this Website only for your internal, non-commercial purposes. You agree not to use this Website in any way that violates any applicable federal, state, local or international law or regulation. You further agree to maintain and update your registration data as needed to keep it accurate, current and complete. You may not use this Website or any of the content, defined below, contained on it for any other purpose, including any unpermitted commercial purpose, unless we provide our prior written consent to such use.

Uses requiring our prior written consent include the following, without limitation:

• Co-branding this Website;
• Framing this Website;
• Using any robots, scrapers, spiders, data mining tools, or any similar device, tool, software, or process;
• Hyper-linking to specific product or coverage information; or
• Reselling or remarketing the content, as defined below.

"Co-branding" means displaying a name, logo, trademark or other means of attribution or identification of any party in a manner reasonably likely to give a user the impression that the other party has the right to display, publish or distribute this Website or its content. You will cooperate fully with Company and its affiliates in causing any unpermitted or unauthorized activity of yours or a third party authorized by you to cease immediately. To the extent that such unpermitted or unauthorized use continues after notice from Company or its affiliates, you agree to pay or reimburse us for any and all costs (including attorney fees if applicable) associated with ending or terminating such use.

You agree not to impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).

PROHIBITED USES AND ACTIONS

Additionally, you specifically agree not to:

• decompile, reverse engineer, disassemble, modify, reduce the Website to human perceivable form or create derivative works based upon the Website or any part thereof;
• disable any licensing or control features of the Website;
• “frame” the Website or any portion thereof or otherwise cause the Website or its contents to appear to be provided by anyone except Company and its affiliates;
• merge the Website or materials with another program or create derivative works based on the Website or materials;
• remove, obscure, or alter any notice of the copyright or other proprietary legends on the Website or materials;
• sublicense, assign, translate, rent, lease, lend, resell for profit, distribute or otherwise assign or transfer the materials or access to the Website to others;
• use the Website by means of any automated program, expert system, electronic agent or “bot,” and shall not give any person or entity access to the Website;
• utilize any “scraping,” copying, republishing, licensing, or selling the data or information on the Website.

PURCHASES AND PAYMENT

Company accepts a variety of payment methods as reflected on the Website. Before you can submit a request for purchase using the Website, you may be required to provide a valid card number and associated information for a payment card that you are authorized to use, including any of or all of the following: (i) your name as it appears on the card; (ii) the credit or debit card type, (iii) the card’s expiration date; (iv) any activation numbers or codes needed to charge your card; and (v) the billing address or zip code or postal codes associated with your card. You authorize Company and/or its affiliates, payment processor to use information you submit to charge your card or other payment method for the price of purchase requested, in addition to any taxes, fees, and charges as described in the T&C, at our convenience, including as early as at the time of the purchase request is submitted.

PROPRIETARY INFORMATION & TRADE SECRETS

The material and content accessible from this Website and any other website Company or its affiliates owns, operates, licenses or controls (the “content”) is the proprietary information of Company and its affiliates or the party that provided the Content to us, and Company and its affiliates or such party retains all right, title and interest in the content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, rented, leased, distributed, modified or transmitted in any way without the prior written consent of Company and its affiliates, except that you may print out a copy of the content solely for your own personal use. In doing so, you may not remove or alter, or cause the removal or alteration of, any copyright, trademark, trade name, service mark or any other proprietary notice or legend appearing on any of the content. Modification or use of the content, except as expressly provided herein, may violate Company’s and its affiliates’ intellectual property rights or a third party’s rights. Neither title nor intellectual property rights in the content are transferred or licensed to you by these Terms or your access of this Website.

Certain information provided to you by Company or its affiliates through non-public portions of the Website may be confidential or trade secret information. You may use or disclose such information only to the extent necessary for the purposes it was disclosed to you. You may not use the Website to circumvent the terms of any referral agreement or in any other manner that is not consistent with the business purpose of the Website. When reasonable, you must return or destroy such information when you have fulfilled such purpose.

INTELLECTUAL PROPERTY

Company and its affiliates (or the party that provided to Company) are the owner or licensee of all intellectual property rights on the Website (including trademarks, service marks and logos) and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved, and we or those parties retain all rights with respect to such respective marks. In accessing the Website you agree that you will access its contents and use it solely for your personal, non-commercial use. The Website, including its contents, may not be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

The Company’s name and logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Website, without prior written permission. You are not authorized to use our logo as a hyperlink to this Website unless you obtain our written permission in advance, although we permit you to use certain designated features of the Website to use our logo as a hyperlink for designated purposes. You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

Except as provided below, none of the materials of the Website may be copied, distributed, displayed, downloaded, or transmitted in any form or by any means without the prior written permission of Company and its affiliates or the intellectual property right owner. Unauthorized use of any materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and/or other regulations and statutes. If you believe that any of the materials infringe on any of your intellectual property rights or rights of others, please contact us immediately at the address provided below. Except as expressly provided herein, Company and its affiliates and the third parties reserve all rights with respect to the Materials, and may pursue all legally available options under both civil and criminal laws (and may cooperate with law enforcement agencies) in the event of any violations, including but not limited to the right to terminate accounts of any user who has infringed a third party’s copyright. Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to the Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL NOT RECEIVE A RESPONSE.

HYPER-LINKS

We may hyper-link from the Website to other websites that are not maintained by, or related to, Company or its affiliates. Such hyper-links are provided as a service to you, and the other websites may not be officially sponsored by or affiliated with this Website or Company and its affiliates. Such other websites are solely responsible for their content. We are under no obligation to maintain any link on this Website and may remove any such link at any time in its sole discretion for any reason whatsoever. Access hyper-links and third party websites at your own risk.

COMPANY AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE CONTENT OF HYPER-LINKED OR THIRD-PARTY WEBSITES. SUCH HYPER-LINKS ARE PROVIDED TO YOU “AS-IS” “WHERE IS,” AND WE SPECIFICALLY DISCLAIM ANY WARRANTIES WITH REGARD TO COMPLETENESS OR ACCURACY OF THESE HYPER-LINKS OR THE WEBSITES THAT ARE HYPER-LINKED TO THIS WEBSITE. THE INCLUSION OF ANY HYPER-LINK TO A THIRD-PARTY WEBSITE DOES NOT NECESSARILY IMPLY ENDORSEMENT BY OR AFFILIATION WITH COMPANY AND ITS AFFILIATES OF THAT WEBSITE.

SOCIAL MEDIA FEATURES

This Website may provide certain social media features that enable you to:

• link from your own or certain third-party websites to certain content on this Website.
• send e-mails or other communications with certain content, or links to certain content, on this Website.
• cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us and solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

• establish a link from any website that is not owned by you.
• cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
• link to any part of the Website other than the homepage.
• otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.

SUBMISSIONS

You hereby grant to Company and its affiliates the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display all stories, anecdotes, “Similes,” content, remarks, suggestions, ideas, graphics, inventions, methods, process, algorithms or other information communicated to us through this Website (collectively, the “Submission”), and to incorporate any Submission into other works in any form, media or technology now known or later developed. We may use any submission in our business (including without limitation, for products or advertising) without incurring any liability for royalties or any other additional consideration of any kind, and will not incur any liability as a result of any similarities to the submission that may appear in our future operations. By providing a Submission, you warrant that you have the right to provide the Submission and that all moral rights in the Submission have been waived.

COMPANY AND ITS AFFILIATES CANNOT AND DOES NOT GUARANTEE OR WARRANT THAT ANY FILES AVAILABLE FOR DOWNLOADING FROM THE INTERNET ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MAY HAVE CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR REQUIREMENTS FOR SECURITY, FOR ACCURACY OF DATA INPUT AND OUTPUT, AND FOR MAINTAINING A MEANS EXTERNAL TO THIS WEBSITE FOR RECONSTRUCTING LOST DATA. WE DO NOT ASSUME ANY RESPONSIBILITY OR RISK FOR YOUR USE OF THE INTERNET OR THE WEBSITE.

USE THIS WEBSITE AT YOUR OWN RISK. EXCEPT AS MAY BE EXPRESSLY STATED IN OTHER APPLICABLE TERMS AND CONDITIONS OR SIMILAR AGREEMENT, THE CONTENT IS PROVIDED “AS IS” AND "AS AVAILABLE" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY FUNCTIONS OR CONTENT CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE OF THE CONTENT OR RESULTS THEREOF IN TERMS OF ACCURACY, RELIABILITY OR OTHERWISE EXCEPT FOR THE PERSON AND/OR FOR THE USE INTENDED. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT COMPANY AND ITS AFFILIATES, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR THE CONTENT. WE MAKE NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

BY ACCESSING THIS WEBSITE, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES AS FOLLOWS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR."

The descriptions of products and services contained on this Website are intended to provide a reference guide to the types of products and services offered by Company and its affiliates and are not intended to be relied upon by clients or business partners. Some products and services referenced on this Website may not be available in all areas. Please contact us directly if you wish to obtain specific information concerning the products and services referenced on this Website. All of the information in this Website, whether historical in nature or forward-looking, speaks only as of the date the information was posted on this Website, and we do not undertake any obligation to update such information or to remove such information from this Website, if it is not or is no longer accurate or complete.

LIMITATION ON LIABILITY

TO THE EXTENT PERMITTED BY LAW OR REGULATION, COMPANY AND ITS AFFILIATES, ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER DAMAGES, INCLUDING LOSS OF USE, REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES THAT RELATES IN ANY WAY TO THE USE OF OUR WEBSITE OR WHICH MAY ARISE OUT OF ANY PERSON'S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS AFFILIATES AND ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO COMPANY OR ITS AFFILIATES FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, COMPANY’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH STATE OR JURISDICTION WHICH YOU HEREBY CONSENT TO.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Company and its affiliates, its subsidiaries, licensors, content providers, service providers, employees, agents, officers, directors and contractors (the “Indemnified Parties”) from any breach of these T&C by you, including any use of the content other than as expressly authorized herein, and any claim that your submission violates a third party’s intellectual property or other rights, including the rights of publicity and privacy, or defames a third party. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the content and this Website.

INFORMATION YOU PROVIDE

You may not post, send, submit, publish or transmit in connection with the Website any material that:

• you do not have the right to post, send, submit, publish or transmit, including any proprietary material of a third party;
• advocates illegal activity or discusses an intent to commit an illegal act;
• is vulgar, obscene, pornographic or indecent;
• does not pertain directly to the Website;
• threatens or abuses others; or libels, defames, invades privacy or stalks; or is racist, harassing, threatening or offensive;
• seeks to exploit or harm minors or older adults by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
• infringes any intellectual property right or other right of any entity or person, including violating anyone’s copyrights or trademarks, or their rights of privacy or publicity;
• violates any law or may be considered to violate any law;
• impersonates or misrepresents your connection to any other entity or person, or otherwise manipulates headers or identifiers to disguise the origin of the content;
• advertises any commercial endeavor (e.g., products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners or soliciting goods or services, or any combination thereof) except as may be specifically authorized on this Website;
• solicits funds, advertisers or sponsors;
• includes programs that contain viruses, worms, Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications or any combination thereof;
• amounts to a "pyramid" or similar scheme;
• disobeys any policy or regulations established from time to time regarding use of this Website or any networks connected to this Website; or
• contains hyper-links to other websites that contain content that falls within any description set forth above.

WE RESERVE THE RIGHT TO MONITOR USE OF THIS WEBSITE IN ORDER TO DETERMINE COMPLIANCE WITH THESE TERMS OF USE, AND RESERVES THE RIGHT TO REMOVE OR REFUSE ANY INFORMATION FOR ANY REASON. NOTWITHSTANDING THESE RIGHTS, YOU REMAIN RESPONSIBLE SOLELY FOR THE CONTENT OF YOUR SUBMISSIONS. YOU ACKNOWLEDGE AND AGREE THAT NEITHER COMPANY AND ITS AFFILIATES NOR ANY THIRD PARTY THAT PROVIDES CONTENT TO US WILL ASSUME OR HAVE ANY LIABILITY FOR ANY ACTION OR INACTION BY US OR SUCH THIRD PARTY WITH RESPECT TO ANY SUBMISSION OF YOURS. EXCEPT AS EXPRESSLY PROVIDED HEREIN, COMPANY AND ITS AFFILIATES AND THE THIRD PARTIES RESERVE ALL RIGHTS WITH RESPECT TO THE WEBSITE, AND MAY PURSUE ALL LEGALLY AVAILABLE OPTIONS UNDER BOTH CIVIL AND CRIMINAL LAWS (AND MAY COOPERATE WITH LAW ENFORCEMENT AGENCIES) IN THE EVENT OF ANY VIOLATIONS.

ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM COMPANY. Excluding claims for injunctive or other equitable relief, for all other claims related to the Website, including any goods or services purchased through the Website, any dispute or controversy arising out of or relating to this Agreement, including without limitation, any and all disputes, claims (whether in tort, contract, statutory or otherwise) or disagreements concerning the existence, breach, interpretation, application or termination of this Agreement shall be resolved by final and binding arbitration pursuant to the Federal Arbitration Act and in accordance with the JAMS Inc. Comprehensive Arbitration Rules & Procedures then in effect. There shall be no right or authority for any claims to be arbitrated on a class action basis. The arbitration shall take place in Fairhope, Alabama or at the option of the party seeking relief, by telephone, online, or via written submissions alone; however such election shall not prohibit Company from attending such an arbitration in person. Said arbitration shall be administered by JAMS. The arbitral tribunal (“Tribunal”) shall be composed of one arbitrator, who shall be independent and impartial. If the parties fail to agree on the arbitrator within twenty (20) calendar days after the initiation of an arbitration hereunder, JAMS shall appoint the arbitrator. The arbitration shall be conducted in the English language. The decision of the arbitrator will be final and binding on the parties, subject to all rights of appeal allowed by JAMS. Judgment on any award(s) rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have the authority to determine arbitrability of any disputes arising out of or relating to this Agreement. Nothing in this Section shall prevent either party from seeking immediate injunctive relief from any court of competent jurisdiction, and any such request shall not be deemed incompatible with the agreement to arbitrate or a waiver of the right to arbitrate. The parties undertake to keep confidential all awards in their arbitration, together with all confidential information, all materials in the proceedings created for the purpose of the arbitration and all other documents produced by the other party in the proceedings and not otherwise in the public domain, save and to the extent that disclosure may be required of a party by legal duty, to protect or pursue a legal right or to enforce or challenge an award in legal proceedings before a court or other judicial authority. The arbitrator shall award all fees and expenses, including reasonable attorney’s fees, to the prevailing party. Any judgment rendered by the arbitrator may be entered in any court of competent jurisdiction.

You may choose to opt out of the agreement to arbitrate by mailing a written opt-out notice (“Notice”) to Company. The Notice must be postmarked no later than thirty (30) days after the date you accept these T&C for the first time. The Notice must be mailed to: Trawick International, Inc., Post Office Box 2284 Fairhope, Alabama USA 36533, to the attention of General Counsel. This procedure is the only mechanism by which you can opt out of the agreement to arbitrate. Opting out of the agreement to arbitrate has no effect on any other parts of this Agreement, or any previous or future arbitration agreements that you have entered into with Company or its affiliates.

GOVERNING LAW

These Terms of Use are governed and interpreted by the laws of Alabama, United States of America notwithstanding any principles of conflicts of law. We make no representation that materials on this Website are appropriate or available for use in other locations. Those who choose to access this Website from other locations do so on their own initiative and are responsible for compliance with applicable local laws.

If you are a consumer, the provisions in these T&C are intended to be only as broad and inclusive as is permitted by the laws of your State of residence. If you are a New Jersey consumer, the terms of “Disclaimer” and “Limitation of Liability” sections above do not limit or waive your rights as a consumer under New Jersey law and the provisions in this Agreement are intended to be only as broad and inclusive as is permitted by the laws of the State of New Jersey. In any event, we reserve all rights, defenses and permissible limitations under the law of your State of residence.

At this Website, Company and its affiliates make no active effort to collect personal information from individuals under the age of eighteen (18). We require that Website users must be of legal age to enter into agreements (typically, at least eighteen (18) years of age or older).

NOT A SECURITY OFFER

The information contained on this Website is not an offer to sell or a solicitation to buy any security. No security is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.

SEVERABILITY

If any part of the T&C is unlawful, void or unenforceable, that part will be deemed deleted and will not affect the validity and enforceability of any remaining provisions. The waiver of a breach of any provision of the T&C by a party will not operate or be construed as such party’s waiver of any other or subsequent breach. The T&C constitute the entire agreement between you and Company and its affiliates relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Website will govern the items to which they pertain.

EMPLOYMENT OPPORTUNITIES

Company and its affiliates are an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, sex, religion, disability or national origin. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.

For further information, or inquiries about the T&C, please contact:

Trawick International, Inc. Attn: General Counsel Post Office Box 2284 Fairhope, Alabama USA 36533 Toll Free: (888) 301-9289

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

NOTE: THE FOLLOWING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING THE SERVICE PROVIDERS REFERENCED BELOW THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

Pursuant to Title 17, U.S. Code, Section 512(c)(2), written notification must be submitted to the following Designated Agent/Service Provider:

Trawick International, Inc. Fairhope, Alabama USA 36533

Name of Agent Designated to Receive Notification of Claimed Infringement: Daryl Trawick

Full Address of Designated Agent to Which Notification Should be Sent: Post Office Box 2284 Fairhope, Alabama USA 36533

Telephone Number of Designated Agent: (888) 301-9289

To Be Effective, the Notification Must Include the Following:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
• Information reasonably sufficient to permit the service provider to contact the Complaining Party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;
• A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• A statement that the information in the notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Individual Travel Insurance from Argus Insurance in Bermuda - Argus Bermuda

• Find Doctors & Hospitals
• Learning Resources
• The Argus Group
• Leadership Team
• Mission & Vision
• Financial Reports
• Shareholder Services
• Careers at Argus
• Sustainability
• Frequently Asked Questions
• Request Quote

• Argus Vantage
• 401K Portal

• Request Access

• Provider Portal

Take care of your employees' health

• Online Health Services
• Health Plan Resource Centre

Take care of yourself and your family

• Classic Health
• Vital Health
• Essential Health
• Member Health Dashboard

Improve your health and well-being

• Get Up & Thrive
• Case Management
• Medical Weight Management
• Smoking Cessation
• Diabetes Rewind Programme
• Argus Vantage for Members
• Argus Vantage for Employers
• Setup Direct Deposit
• Health ID Card
• UnitedHealthcare Partnership
• Health Resources
• Health Forms
• Health Tips & Stories
• TELUS Health Student Support
• Workers' Compensation

Explore all of what we offer to protect businesses’ valuable assets

• Contractors

Security for you and your family to ensure peace of mind

• Holiday Cover
• P&C Forms
• Property Tips & Stories
• Underinsurance
• Hurricane Claim Form
• Hurricane Facts

Protecting your employees' financial future

• Registered Pensions
• Non Registered Pensions
• Investment Options
• Employer Pensions Portal

Attractive and flexible pension choices

• Individual Retirement Plan
• Member Pensions Portal

Calculators to help you reach your financial goals

• Retirement Planner
• Investment Strategy Questionnaire
• Retirement Drawdown Calculator
• Pension Forms
• Financial Tips & Stories
• Market Reviews & Newsletter
• Wealth Management
• Argus Vantage 401K Portal Register
• Argus Vantage Request Access
• Provider Portal Request Access

• Property & Casualty
• Individual Plans

Individual Travel Insurance

Our travel insurance can cover business and/or pleasure travel and various forms of protection can be purchased. please note that travel insurance coverage is only offered to existing argus clients., insurance protection against a variety of travel-related expenses.

Personal Baggage

Argus Travel Insurance covers accidental loss or damage to personal baggage.

Personal Accident

Covering accidental bodily injury that results in death or disablement.

Cancellation Expenses

Protecting you for irrecoverable costs incurred when you and/or a service provider makes a cancellation.

Medical Expenses

Covering travel-related expenses that are not payable under regular Health Insurance.

Legal Expenses

Protecting you for costs against legal representation, should the need arise during an overseas trip.

Annual Coverage

You have options! Argus Travel Insurance is available on a per trip or annual basis.

Interested in Getting a Quote?

Speak to our experienced representatives.

WHY CHOOSE ARGUS?

At Argus, our experience makes the difference. Since 1950 Bermuda has relied on us for property and casualty insurance.

Quick Claims Payments

We understand that time is money. That is why, at Argus, we ensure your company’s claim is processed and paid as quickly as possible

Comprehensive Coverage

Our comprehensive coverage helps you focus your company’s efforts on growing business, not dealing with multiple departments and agencies

The Right Level of Coverage

Worried about having too much or too little insurance coverage? We can work with you to determine the level of coverage that is best for your company

Trusted for over 70 years

Contact us about your company’s insurance needs and find out why we have been trusted in insurance coverage for over 70 years

Bermuda Travel Insurance

If you are planning a trip to Bermuda you may highly benefit from our Bermuda Travel Insurance.

best places to visit in bermuda

Horseshoe bay.

Horseshoe Bay Beach is arguably one of the best beaches in the world. It is located in Bermuda’s Southampton Parish on the South Shore. Horseshoe Bay Beach, is a crescent-shaped, pink-sand beach next to large rock formations.

The beach is a major attraction to tourists. The peak season ranges from May through September and during this time, expect to find the beach crowded, and lifeguards being on watch. To avoid the crowds, you can go for a swim or a walk early in the morning during high season. Beach trails connect to adjacent beaches at  Chaplins Bay, Stonehole Bay, Jobsons Cove, and  Warwick Long Bay.

The city of Hamilton is the capital of the British Overseas Territory of Bermuda. The island offers a cosmopolitan and energetic vibe and creates a beautiful picture with its colourful houses overlooking the harbor.

Hamilton is the cultural and commercial heartbeat of the island and features excellent dining, shopping, and many museums and galleries. During the summer, the street turns lively on Wednesdays for the weekly Harbor Nights festival, featuring Gombey dancers and street food. The city however also features buildings dating from the 1800s, like the Anglican Cathedral of the Most Holy Trinity, St. Andrew’s Presbyterian Church and the Bermuda Capital Building. 

St. George’s Town

St. George’s Town , located on the East End of the island of Bermuda is the oldest continuously-inhabited British town in the New World (from 1612). For that reason, it has been declared a UNESCO World Heritage Site.

Parts of Bermuda’s history can be experienced at some of its museums (i.e., Bermuda National Museum Trust, St. George Historical Society Museum, etc.) St. George’s most popular highlight is Tobacco Bay Beach. It was names for the wild tobacco that was found when the early settlers arrived. Even though it no longer has any nicotine plants growing, it provides a unique Bermuda beach experience – clear waters, limestone rock formations, ideal for snorkeling and swimming.

Continents:

The European continent is located completely in the northern hemisphere and mainly in the eastern hemisphere. Europe borders onto the Arctic Ocean in the North, the Atlantic Ocean in the west and the Mediterranean Sea in the South. There are 50 countries in Europe with a total of more than 748 million people living on the continent in 2021.

There are 49 countries in Asia according to the UN. The 10 biggest countries are listed in the right column of this page. Two of the Asian countries, Russia and Turkey, also share part of their territory on the European continent. Additionally there are two countries that only have limited international recognition: State of Palestine and Republic of China/Taiwan and some dependencies. Asia is the most populous continent with more than 4.7 billion people living there. (2022)

There are 54 countries in Africa – and 9 dependent territories. More than 1.3 billion people live on the African continent. This means about 15% of the world’s total population live in Africa! Even though Nigeria is only a third of the size of Algeria, it is the most populous country in Africa, with more than 219 million people.

NORTH AMERICA

Oceania is in a continental group consisting of 14 countries and includes Pacific islands and Australia. Often Australia is named as a continent, but this means that the many islands and countries except Australia would then be not included. Oceania in fact is mostly ocean and spans a vast area as you can see below.

Travel Insurance

Travel Insurance, Schengen visa travel insurance, Europe and Worldwide Single Trip and Multi-Trip Insurance policies.

Login/Register

Please choose the portal to log in

Home, Motor (Manage Policy)

Health (members), health (employers & providers), welcome to coralisle group.

Please select your location

Bundle and save 10%

Choose a product to quote, car insurance, bike insurance, home and contents insurance, travel insurance, cargo insurance, individual health insurance, group health insurance, personal life insurance, business insurance, marine insurance, commercial vehicle insurance, condo insurance, business life insurance, west indies deyah.

Check out Aunt Angie and the Champion DJ Bravo in their new music video.

Protect What Matters Most

Nothing is more important than keeping you and your loved ones protected. With our home, motor, health, life, and pensions plans, we can find the right cover for your family or business.

Your Needs. Our Solutions.

Every product we offer is designed with your needs in mind. Work with our specialists to find the solution best for you or your business.

Don’t Just Take Cover, Get Cover.

We can’t stop a hurricane, but we can help with the damage. Make sure your home, contents, and car are protected.

Your Favourite Aunty Has Your Family’s Back

We’ve seen it all. That’s why we at CG Insurance help your family when a claim gets complicated.

Whether you’re buying a home, getting married, or having a child, some of life’s happiest moments require some big planning. Let’s work together to build a plan for the road ahead.

Getting married?

Love is in the air and marriage marks an exciting new chapter. Prepare and plan for your life together as one.

Buying a home?

Congratulations, homeowner! Let us set you up for success with tips on how to be a proud and successful homeowner.

Expecting a baby?

The joys of having a child are limitless—but so are the responsibilities. See how you can build a great future for your newest family member.

We pride ourselves in offering top-quality services and resources to our clients.

$813 Million

The stats tell the story.

At CG Insurance we do everything we can to make sure your life stays on track.

Putting people first has been CG’s mission since 1958 when we began serving our Caribbean community and our commitment has never faltered. To this day, we offer personalised care to help our clients through life's challenges from medical emergencies, to natural disasters, to uncertain economies, and more.

The CG Customer Portal

Keep your policy close.

Easily file claims, see your claim history, and see details of your policy through our portal.

Billing Made Simple

Get paperless statements and quickly pay your bills online.

Setting You Up for Success

Make the right financial decisions with expert information whenever you need it.

Zest Wellness Programme

Achieve your health goals.

Try complimentary biometric screening or health and fitness tracking.

Earn Prizes for Healthy Choices

Every quarter, Zest users get great rewards to help keep their motivation high.

Get Help Becoming Your Best Self

Access nutrition and sleep guides, fitness classes, courses for stress management, and more.

CG launches fan zone for T20 World Cup

CG, in collaboration with Cricket West Indies, has launched the CG Cricket Fan Zone, providing residents of Bermuda with an exclusive home base to watch the ICC Men’s T20 World Cup and cheer on the West Indies team. This special fan zone will be at The Front Yard, which has TVs dedicated to airing the…

CG Atlantic partners with PHA for corporate blood drive.

CG Atlantic Medical & Life Insurance Ltd., in conjunction with the CG Zest Wellness team, hosted the 1st annual blood drive on February 7th, 2024. The blood drive was open to all staff members in addition to their family members.

UN and CG United launch Barbados’ first SDG-branded bus

Hundreds of commuters in Barbados are poised to learn more about the sustainable development goals (SDGs) and how they can help to contribute to their realisation, with the launch of Barbados’, and the region’s, first electric SDG-branded bus.

AM Best Ratings Affirmed & Upgraded

AM Best has upgraded the Financial Strength Rating of CG United Insurance Ltd. (CG United) to ‘A’ (Excellent) while affirming the ‘A’ rating of parent Coralisle Group Ltd. (CG) and its operating subsidiaries.

This product is also available in a discouted bundle

This website uses cookies to provide its service, improve user experience, measure audience engagement, and interact with users’ social network accounts. For more detailed information on the cookies used on this website, you can review the Cookie section of our Privacy Policy .

• Cruises Travel Insurance
• Best Ocean Criuses
• Bermuda Cruises

Travel insurance for Bermuda cruise, Best cruise insurance

Cruise travel insurance quote form, trip cancellation insurance.

Highlights of trip cancellation insurance coverage benefits

Compare travel Insurance with cancel for any reason benefit.

Best trip cancellation insurance with quarantine coverage.

Rental car Insurance for damage, theft, repair of rented cars.

Trip cancellation insurance for trip expenses if the trip is cancelled.

Trip interruption insurance for travel expenses when a trip is Interrupted.

Travel insurance coverage due to lost, damaged, delayed or stolen luggage.

Emergency medical evacuation travel insurance coverage.

Cost of travel insurance factors

Factors to consider while buying travel insurance.

Travel insurance cost calculator

Travel Insurance cost calculator, Trip cost calculator

What does travel insurance cover?

• Trip cancellation

Expenses due to pre-paid, non-refundable and unused payments.

Medical evacuation

Emergency medical evacuation expense to medical facility.

Reimbursement of additional expenses due to trip delay.

Lost baggage

Reimbursement for loss of checked in baggage expenses.

• Baggage delay

Expense due to delay in arrival of baggage during travel.

Medical expenses

Medical treatment for sickness or injury during your vacation.

Testimonials - From Our Customers

I am always appreciating good business conduct and when I am coming back here for the longer time span... Know more »

Thank you for your prompt response. Your prompt response will be highly appreciated... Know more »

Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance co." Know more »

Pui Lum Hannah Cheong

Bermuda located in the Atlantic ocean is one among the top popular destinations for cruise holidays. For over 400 years Bermuda has been receiving travelers. It has a beautiful island with pink beaches, several outdoor water activities in the clear water, diverse cuisine and friendly locals. The best time to visit Bermuda is during April and May. The cost of the Bermuda for a 7 days trip may range from $447 during off season and may go up to $4,059 during the peak season.

Evaluate and find the best Bermuda cruise travel insurance for Covid19 coverage

Healthcare has evolved as the most vital aspect in the present situation of Covid-19 pandemic where having an effective coverage for coronavirus is essential for all international travelers. At American Visitor Insurance, we aim to provide travelers with the most suitable Covid travel insurance plan to ease the financial risks of international travel with insurance comparison tool .

Based on the traveler’s requirement and with information of the traveler like travelers age, duration of travel, the maximum coverage required, deductible and the need of coverage our comparison function will show the available travel insurance plans. The search can be then tapered down to the most specific plans as per your requirements with the coverage for Covid illness which are competitive and affordable plans. Covid19 travel insurance for US citizens staying in UK and visiting US can buy Diplomat America insurance and INF insurance.

International cruisers to Bermuda

Cruise travelers who are unvaccinated are required to take a COVID19 test no more than two days before departing the port. This practices has been in force and cruise lines are aware of this as Bermuda already needs additional testing for vaccinated travelers when the journey to Bermuda is longer than four days. Depending on the time for travel to Bermuda, cruisers may need to test for COVID again before disembarking in Bermuda.

Importance of the best travel insurance for cruises

Going on a cruise vacation is truly exciting, however one must take precautions to ensure that the cruise vacation is not a disappointment. Vacationers are likely to pay for the cruise well in advance of the actual travel date, and it is possible that one is not able to travel on the cruise as initially planned.

While most cruises companies offers some cruise protection it does not provide the coverage benefits as provided by trip insurance for cruises. While cruise companies protection usually gives cruise vouchers to vacationers if they miss the cruise, cruise travel insurance provides significantly more benefits such as coverage for trip cancellation, trip delay, baggage loss, baggage delay, medical evacuation and medical insurance for the traveler. Vacationers can further shield themselves by adding Cancel for any reason travel insurance benefit which gives flexibility of cancelling the cruise vacation for any reason, and still get reimbursed up to 75% of non-refundable trip expenses.

Cruise Travel Insurance protection timelines

Going on a cruise vacation can be an expensive and a simple delay or missing a flight can spoil the entire vacation. Given the constant changes in the weather conditions, delays with airline and airport chaos, factors like covid pandemic in famous cruise destinations, travelers should have good Cruise travel insurance to protect the money spent on the cruise.

Cruise travel insurance provides coverage well before the start of the cruise, continues with the coverage during the cruise at Sea till the Cruise journey is completed. Given below are the coverage details at different stages of the Cruise.

Cruise insurance protection before the commencement of the Cruise

Cruise insurance offers protection against the traveler’s monetary investment on the cruise from the time the cruise travel insurance has been purchased and the initial booking for the Cruise has been made. The cruise insurance will reimburse the trip expenses if anything goes wrong before the start of the trip. If the travelers are unable to reach their cruise or got delayed for some covered reason like illness or bad weather then the trip expenses can be reimbursed.

Cruise insurance will reimburse all of the trip expenses under the Trip Cancellation cover if the cruiser is not able to reach the cruise in time for any covered reason. Covered reasons like bad weather, illness, injury, or death can be insured. If the insurance includes Cancel for any reason, then the traveler can simply decide not to take the cruise and still get reimbursed up to 75% of the non-refundable cruise expenses.

Cruise insurance coverage during the journey

Many cruisers are not aware of the high healthcare cost on a cruise ship. The basic diagnosis and treatment of regular health conditions can cost thousands of dollars on board a cruise ship. In case the passenger has to be evacuated to the nearest port the cost of evacuation can be astronomical. Cruise insurance offers travelers medical insurance coverage for unanticipated illness or injury during the cruise.

Most policies offer benefits for on-board medical treatment, as well as additional coverage for an evacuation in case of an emergency. Cruisers whose primary domestic health insurance does not offer coverage outside of the US borders or to any inaccessible locations should choose comprehensive cruise insurance.

Vacationers who are concerned about the medical emergency that can arise while on the cruise should choose to buy a comprehensive cruise insurance policy that covers Emergency Medical treatment and Medical Evacuation. There are also a few Cruise travel insurance plans that offer coverage for acute onset of Pre-existing conditions.

Cruise insurance for bad weather conditions like a hurricane

Most of the vacationers plan for a cruise trip during the summer which ironically is the hurricane season. This makes cruising risky as it is exposed to cancellations due to bad weather conditions. Cruise travel insurance offers coverage for Hurricane & adverse weather, where cruisers can reimburse the cost of the trip in case the trip gets cancelled due to extreme weather, a storm at their destination or any delays due to weather.

Following are some Cruise health insurance plans

Img trip insurance for cruises, trip cancellation cruise insurance coverage highlights:.

• Covers medical expenses up to $100K
• Medical evacuation up to $1 million
• Search and rescue up to $10K
• Missed connection up to $500
• The trip cancellation benefit is determined by the amount of your trip you elect to protect
• IMG trip plans provides Covid Quarantine coverage.
• Cancel for Any Reason only purchase at the time the base policy is purchased and within twenty (20) days of the initial trip deposit.

Trawick International Trip protection Insurance

Trip protection insurance plans:.

Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled.

For plans that offer Cancel For Any Reason(CFAR)- you must purchase the benefit within the specified time frame from the initial deposit date and you must insure all prepaid non-refundable trip costs. Please note that we do not have any plans that offer CFAR in NY, WA, or NH.

International Medical Group - Cruise medical insurance

• Available for ages up to 99years
• Maximum trip length 180 days
• Medical coverage of $500K (may vary by state)
• Trip Cancellation maximum benefit up to 100% of insured trip cost (min $500)
• Trip interruption maximum benefit up to 150% of insured trip cost
• $2K maximum benefit for travel delay
• $500K maximum benefit for emergency medical evacuation and repatriation of remains
• US Residents on domestic and worldwide trips.
• Medical coverage of $250K (may vary by state)
• Trip Cancellation maximum benefit up to 100% of insured trip cost (min $300)
• Trip Interruption maximum benefit up to 150% of insured trip cost
• $2500 maximum benefit for travel delay
• $1 million maximum benefit for emergency medical evacuation and repatriation of remains
• Cancel for Any Reason add-on benefit available

How does cruise travel insurance offer coverage for medical illness and evacuation?

The travellers on cruises are not aware of the expensive healthcare cost while on a cruise ship. The basic diagnosis and treatment of regular health conditions can cost thousands of dollars on board a cruise ship. In case the passenger has to be evacuated to the nearest port the cost of evacuation can be astronomical.

Cruise insurance offers travelers medical insurance coverage for unanticipated illness or injury during the cruise. Most policies offer benefits for on-board medical treatment, as well as additional coverage for an evacuation in case of an emergency.

Cruisers whose primary domestic health insurance does not offer coverage outside of the US borders or to any inaccessible locations should choose comprehensive cruise insurance. There are also a few Cruise travel insurance plans that offer coverage for acute onset of Pre-existing conditions.

Can you buy cruise trip protection insurance to cancel trip due to Hurricane?

Most of the travelers plan a cruise vacation during the summer which happens to be the hurricane season. This makes cruising risky as it is exposed to cancellations due to bad weather conditions.

Cruise travel insurance offers coverage for Hurricane & adverse weather, where cruisers can reimburse the cost of the trip in case the trip gets cancelled due to extreme weather, a storm at their destination or any delays due to weather.

Compare and Buy Cruises Travel Insurance with cancel for any reason for senior citizens.

How to buy best travel insurance for cruises?

  1: finding all available cruise trip insurance plans.

Complete the cruise insurance coverage quote form by providing details - traveler’s age, residence, trip cost, destination and travel dates.

  2: Compare different trip insurance for cruises options

Compare prices and the benefits of the cruise cancellation insurance options to find the best plan. Look also for cancel for any reason benefits and covid coverage.

  3: Buy the best insurance for cruises you like best and review documents

Buy the plan that fits your needs and budget by using a credit card and completing the online application.

  4: Review the cruise medical insurance documents & download visa letter if required

Review the trip cancellation insurance documents & download coverage or visa letter if required as required by the destination country.

CruiseLine Insurance vs travel insurance

Is Cruise insurance different from travel insurance?

Reasons to buy cruise insurance

What are the reasons for buying cruise travel insurance?

Getting the correct cruise insurance coverage for Bermuda cruise travel

Travelling to Bermuda via a cruise, travelers need to get Bermuda travel insurance to ensure that any emergency instances like illness, injury, delays or trip cancellations are covered in an event that occurs. The weather conditions and any mechanical problems are the most common cause for the delay of the ship.

Delays caused due to weather conditions are beyond one's control. Thus it is very important to have Trip insurance for Bermuda cruises insurance including trip delay, trip interruption and trip cancellation.

Bermuda Cruise - An overview

What countries are part of bermuda cruise , when is the best time to take the bermuda cruise .

Trip cancellation insurance

Is it worth buying trip cancellation plans.

Any planned holiday is often a once in a lifetime experience involving both valuable time and money. A vacation involves expenses from airline tickets, cruise reservations, hotel bookings all of which are often done many months in advance. Given the uncertainties of work, and health, one cannot predict what can happen in the future and can sometimes result in cancelling an expensive vacation or being forced to change trip arrangements.

Sometimes an emergency medical situation may arise while on the vacation which can result in hospitalization and huge medical bills. Other risks involved can include baggage loss, flight delay, trip interruption, loss of passport, all of which can cripple your savings. These cost of these uncertainties can be reduced by insuring the financial risks by Trip cancellation insurance. Know more »

Travel insurance plans for older US travelers with Medicare coverage

US pensioners and older travelers with Medicare need good international travel insurance given that Medicare offers little coverage outside USA.

Any travel overseas involves risks especially for older travelers and the costs of medical evacuation and health care outside the US is expensive.

In this context buying Medicare Supplemental international travel insurance coverage for US senior citizen travelers is strongly recommended. Know more »

Cruise travel insurance benefits

Some of the other important benefits available with the best travel insurance for cruises include:

One might believe that the regular health insurance covers your health while on a cruise and might question the need for cruise medical insurance. However one might be rudely shocked as many US health insurance plans do not cover you outside the US borders (including Medicare). The travel insurance for cruise trip pays for the medical treatment for any sickness or accident that one can encounter during the trip. The cruise health insurance coverage varies on the cruise insurance chosen, but can provide coverage up to $500k.

Trip cancellation and inability to go on the cruise Given the uncertainties involved in planning vacations very early, it is likely that one cannot go on a cruise as planned. The best cruise insurance coverage pay a complete refund for valid reasons like the accidental death or injury of the traveler or a non-traveling family member. The Cancel for any reason travel insurance benefit in a cruise cancellation insurance gives further flexibility and provides 75% refund of the non-refundable expenses for not taking the cruise for any reason.

Trip interruption The trip interruption benefit of a travel insurance for cruise trip can pay up to 150% of the trip cost in the event that the traveler has to cut short his/her cruise vacation and return home in an emergency. This benefit takes in to consideration the high costs that one can incur for flight tickets should they need to buy tickets in an emergency. This benefit provides peace of mind to the vacationer during the cruise holiday.

Medical Evacuation The best travel insurance for cruise trip also provides coverage for medical evacuation up to $1M if the vacationer has to be evacated to get access to proper medical treatment in the event of a medical emergency. Some cruise insurance plans also offer up to $50K for non medical evacuation.

Missed connection The missed connection benefit provides up to $500 additional transportation costs to join the cruise or tour for any delay of the stipulated time of travel.

Repatriation of remains The repatriation of remains benefit pays for the repatriation expenses in the event of death of the traveler for any reason. The best cruise insurance offers up to $1M as part of this benefit. There is also another repatriation benefit in the event of an accident during the vacation. These benefits are for the death, loss of sight or loss of limbs due to an accident that occurs during the cruise holiday.

Baggage loss and baggage delay This baggage loss benefit by the best insurance for cruises offers up to $2,500 with a $250 maximum per item for baggage loss and $500 after initial delay of 12 hours. Given all these benefits, it is important that cruise vacationers buy the best cruise travel insurance given the relative low cost of cruise insurance. The cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best cruise travel insurance plans.

Cruises Insurance, Cruises cancellation insurance - FAQs

Travelling outside of one’s home country always requires some good recommendations and tips for a smooth and safe trip. Here is some information that may be helpful while you plan an international trip.

01. Is Cruise Insurance worth it?

Having good cruise insurance can make all the difference for a memorable vacation should a vacationer face any adverse situation during the cruise. The cost of cruise travel insurance varies depending on the coverage benefits included, but they typically cost between 5 to 10% of the non-refundable cruise trip costs.

Given the cruise health insurance coverage benefits, this additional cruise insurance expense is definitely worth it. Some of the benefits provided by cruise insurance include coverage for cruise cancellation expense, any additional expense due to flight or travel delay, baggage loss or baggage delay, expense due to medical evacuation to healthcare facility as well as the healthcare costs if one falls ill or is injured during the cruise.

02. What coverage does Cruise travel insurance provide?

Most cruise travel insurance plans provide the following coverages :

• Emergency medical evacuation
• Baggage loss
• Medical coverage

Some add-on coverage available with some plans include - Cancel for any reason cancellation. Please look at the plan brochures for details of the coverage.

03. Do you need to buy Cruise insurance?

There are many coverage benefits provided by Cruise insurance which are very important while going on a cruise vacation. Cruise insurance provides coverage for trip cancellation, trip delay, flight delay or missed connections resulting in missed cruises and any additional expenses related to making the cruise, baggage loss, baggage delay, medical evacuation if needed to healthcare facility as well as covering the medical expenses of the traveler.

All of these cruise insurance coverage benefits are very important given the nature of traveling on a cruise. Given the Covid pandemic, some cruise lines are recommending cruise travel insurance, especially for unvaccinated travelers.

Irrespective of whether cruise insurance is mandated or not, given the relatively low cost of cruise insurance when compared to the coverage benefits provided, buying the best cruise travel insurance is strongly recommended. Cruise health insurance provides peace of mind and can make all the difference in making in one’s cruise vacation memorable.

04. When should I buy the Cruise Insurance

It is best to buy the cruise insurance as soon as you make the first payment for the trip. The Cruise cancellation insurance benefit starts as soon as you buy the insurance well before the actual cruise start date.

It is possible that you cancel the trip for valid reasons well before the journey and if you have cruise insurance, you are eligible to get the benefit of this coverage. Some benefits such as the ‘Cancel for any reason’ is also time sensitive and usually needs to be bought within 21 days of the first payment. However travelers can buy cruise insurance later as well and can be bought just before the cruise starts. Some plans are even available post-departure of the cruise.

05. Does Cruise travel insurance provide coverage for Covid19?

Cruise insurance plan coverage vary depending on the insurance plan and the underwriting companies. At American Visitor Insurance, we do have cruise health insurance plans which cover Covid19 as any other illness.

This implies that you will be covered for health expenses incurred due to treatment of Covid19 as well as medical evacuation expenses if you need to be evacuated to a healthcare facility.

06. What should travelers consider while buying the best cruise travel insurance?

While purchasing a good cruise insurance policy travelers can look for a complete coverage with benefits like cancellations and medical emergencies, in addition to standard coverage included in the travel insurance. A comprehensive cover generally offers full coverage that can save some extra money for the travelers. Some of the benefits that are included in Cruise cancellation insurance are:-

• Trip Cancellation: Offers a reimbursement for the traveler's prepaid and non-refundable trip expenses, including their airfare, cruise, excursions, and tours. Hurricane & Weather coverage is included in most policies with Trip Cancellation coverage.
• Emergency Medical: The cost of routine medical checks have increased hence its advisable that travelers travelling by cruisers buy a travel insurance policy a minimum of $100,000 for Emergency Medical.
• Medical Evacuation: Cruisers should purchase a policy with a minimum of $250,000 for Medical Evacuation coverage as the chances for evacuation is higher on the cruise.

Apart from the coverage for cancellations and medical emergencies, a good travel insurance plan will include travel delay, missed connections, and luggage. There are few policies that offer coverage for Itinerary Change, where a reimbursement can be claimed by travelers for missed events in the event of their travel supplier changing their itinerary.

07. What is the best time to buy the travel insurance for cruise cancellation policy?

Travelers can choose to purchase the travel insurance until the day before the cruise begins the trip. However it is advisable that travelers should purchase a travel insurance policy at the earliest to enjoy the benefits for unexpected events that impact the trip.

For example, if a traveler is planning a cruise and if there is a forecast of a storm then it would be too late to buy a policy for that storm. Few add-on benefits like Cancel For Any Reason or Pre-Existing Condition coverage are time-sensitive which are available within 10-21 days of the initial trip payment like cruise down payment.

08. How much is the cost of cruise cancellation insurance?

There are various factors that affect the cost of the cheap cruise travel insurance. A standard policy with Trip Cancellation coverage will cost between 5% and 10% of a traveler’s total trip cost.

• Age of the traveler: The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.
• Type of travel insurance: Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance
• Medical maximum coverage and deductible options: The price of visitors' medical insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
• Region of coverage: Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.
• Duration of travel insurance: The longer the duration of visitor medical insurance required, the higher will be the cost.

Travelers can check with the cruise if they will provide a refund or voucher if you cancel. If yes, then travelers do not need to insure the cost of the cruise to make the travel insurance policy a little cheaper.

09. Where can I buy the Cruise travel insurance policy?

There are multiple platforms that travelers can buy the cruise medical insurance policy .And one such platform is American Visitor Insurance works with reputed US travel insurance providers to give international travelers a wide range of travel insurance options. Our company has two decades experience in understanding the diverse requirements of international travelers and in offering appropriate travel insurance options to them.

Our typical customers range from international travelers visiting family in the US, international students, J visa holders, H1b Visa holders, US travelers going overseas, travelers to Schengen countries who need travel insurance to satisfy visa requirements, Cruise travelers ,trip cancellation customers to insurance their trip expenses, travelers looking for Covid19 travel insurance with quarantine coverage as mandated by certain countries, corporate professionals and business travelers who travel internationally regularly as well as other diverse traveling groups with unique needs.

Our licensed dedicated customer support team provides service at all times helping customers find the most appropriate travel insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency.

We also provide answers to all international cruise travel insurance questions , reviews of different cruise travel insurance products, testimonials for customers as well as provide an user-friendly travel insurance comparison tool where travelers can compare different products based on price as well as the coverage benefits. All of these tools help travelers make an informed decision while buying travel insurance.

10. What coverage should a cruiser include in the policy?

Cruisers can choose to insure all of their trip expenses when booking a cruise. It’s always best for travelers to insure non-refundable deposits. This includes down payment, excursions, travel expenses, airfare and hotel accommodations.

11. My cruise will go to several countries/ islands, how can I enter my destination if I only get to put one entry?

Don't worry! Your coverage will be worldwide, so you don't have to enter each and every port of call on your itinerary. If one of your stops will be in the US (besides the start or end of the cruise), then you should enter the United States as your destination so that you get a vacation travel insurance that includes domestic travel. Otherwise, you can enter your first port of call and you will be covered for your entire cruise!

12. I already insured my trip with the cruise line, do I really need more insurance?

That depends. Did you look over their policy carefully? The cruise insurance may be focussed on getting your money back for what you paid for the cruise. What about your plane tickets to get you to the initial port and home from the last port? What if your luggage is lost on the way? What if you get sick or hurt during your cruise? Be sure that you have cruise health insurance that is good while you are away from home.

Going abroad or even out of state can increase deductibles and/or coinsurance or you may not even be covered. Find out ahead of time! Know the limitations of the cruise medical insurance and figure out if you would like to be more secure in your purchase. Finally, trip cancellation insurance companies are experts at helping travelers and they have thought of a lot of things going wrong that you may not have! So, consider your options carefully.

Countries as part of the Bermudan cruise

Bermuda Cruise Travel Insurance - FAQs

01. does bermuda cruise travel insurance cover covid19 illness.

There are some travel insurance USA to Caribbean Cruise Covid travel insurance plans available for travel to United Kingdom that cover Covid 19 as a new illness. International travelers can compare best Covid travel insurance plans and buy travel insurance to Caribbean Cruise from usa online.

These travel insurance from usa to Caribbean Cruise Covid travel insurance plans are available as medical insurance for us citizens visiting England ,visitors from United Kingdom to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.

Trip Cancellation insurance for Cruise travel or vacation

Trip cancellation insurance not only offers coverage for trip investment expenses, but also covers medical expenses while on a cruise trip. In case a traveler missed a cruise because a flight was delayed, or had to cancel a cruise vacation because he/she fell sick or for any other reason, the Trip Cancellation insurance will cover non-refundable trip investment expenses. It will also cover medical expenses while the traveler is on the cruise, such as falling sick and needing medical assistance.

Some cruises have medical treatment facilities to treat minor injuries, however if the injury or sickness is severe the traveler may be asked to get off the ship at the nearest port to get immediate medical care. If adequate healthcare treatment is not available at the place you got off the cruise, then you may have to get transported or evacuated to the nearest hospital, the trip protection insurance would cover these expenses.

Travel health insurance information

Travel insurance faq.

Commonly asked questions about visitor health insurance...

Travel insurance blog

Blogs about visitor health insurance in USA...

Travel insurance forum

Customer queries and answers about insurance plans for visitors Traveling overseas...

Travel insurance blogs and articles

Trip vs travel vs global.

Article comparing trip cancellation insurance, travel medical and expatriate insurance.

Insuring Your Travel Investment

Find out how to insure your trip investment costs and know available plans with trip cancellation

Blog for Trip vs Travel vs Global

Confused whether you need to buy Trip cancellation or Travel medical insurance or long term Global health insurance?

Trip protection insurance for US Travelers

Travel insurance coverage for US travelers traveling outside the USA.

Travel tips for international travelers – Safety, Comfort and Wellness.

Popular tourism destinations

Global travel and tourism destinations.

Global Travel Destinations

It's a Global village, Explore and enjoy it!

International tourism

Indulge according to your tastes; Golfing, Skiing, Wildlife.

Popular travel destinations in the USA

US States for tourists. Beaches, National Parks and more !

US Cities renowned for their Glitz, Glamor, Museums & more!

Popular Cruise Travel insurance providers

Cruise travel insurance coverage.

Cruise travel insurance

Cruise senior travel insurance

Cruise covid19 quarantine insurance

Cancel for any reason travel insurance

Cruise FAQ's travel insurance

Best European river Cruises

Best Ocean Cruises insurance

US Citizens cruise insurance

Group travel insurance plans

•  Call: (877)-340-7910
•  Contact
•  Email

Travel Insurance for Bermuda

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Planning a trip to the pristine beaches of Bermuda? Travel insurance should be a non-negotiable item on your pre-travel checklist.

With its comprehensive coverage of unexpected mishaps and disruptions, travel insurance can give you peace of mind during your Bermuda getaway.

But what does travel insurance for Bermuda entail? Buckle up, as we take you through everything you need to know.

In this article...

Understanding Travel Insurance

Travel insurance covers unexpected events before and during your trip, like trip cancellation or interruption, medical emergencies, lost or delayed baggage, and more.

It can also provide 24/7 travel assistance to help you navigate any bumps in your journey.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage , Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions , Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Why You Need Travel Insurance for Bermuda

Bermuda, though beautiful, has its share of risks like any travel destination.

Natural disasters, health emergencies, or even a simple flight delay could disrupt your vacation and leave a dent in your wallet. Here’s where travel insurance steps in, providing financial protection and round-the-clock support.

What Does Bermuda Travel Insurance Cover?

• Trip Cancellation and Interruption: If your trip gets canceled or cut short due to unforeseen circumstances like illness or severe weather, your policy can reimburse prepaid, non-refundable expenses.
• Medical Emergencies: Bermuda’s medical facilities are top-notch but can be expensive. Coverage for medical emergencies ensures that you don’t have to bear the costs alone.
• Baggage Protection: Lost, damaged, or delayed baggage can throw a wrench in your travel plans . Baggage protection covers the costs to replace or repair your belongings.
• Travel Delay: Delays are frustrating and often costly. If your flight is delayed due to reasons specified in your policy, you can be covered for meals, accommodation, and other necessary expenses.

Choosing the Right Bermuda Travel Insurance

Not all travel insurance policies are created equal. When choosing a policy, consider:

• Comprehensive Coverage: A policy should cover a broad range of situations, from medical emergencies to trip interruptions and baggage protection.
• Claim Limits and Excesses: Pay attention to the maximum amount the insurer will pay for different claims and the excess ( deductible ) you’ll need to pay before the insurance kicks in.
• Activities Covered: If you’re planning activities like snorkeling or golfing, ensure these are included in your coverage.
• Customer Service: Opt for an insurer known for excellent customer service and quick claims processing.

Cost of Travel Insurance for Bermuda

Several factors determine the cost of travel insurance for Bermuda, such as your age, trip length, and the coverage level chosen.

On average, you can expect to pay between 4-10% of your total trip cost.

Bermuda Travel Advisory

Before you travel to Bermuda, check the latest travel advisories from reliable sources like the U.S. Department of State or the UK Foreign and Commonwealth Office. Stay informed about safety , health, political, and weather conditions that could affect your trip.

Bottom Line

Travel insurance for Bermuda offers financial protection against unexpected travel mishaps and peace of mind for your Bermuda vacation.

Consider your needs and risks before choosing a policy.

After all, the purpose of insurance is to help you enjoy your vacation worry-free. Don’t let unexpected incidents ruin your Bermuda adventure. Travel smart, travel insured.

Get Free Consultation

Safe Travels USA Cost Saver

January 24, 2020

Safe Travels USA Comprehensive

January 23, 2020

Patriot Platinum

Visitors Care

Patriot International

Patriot America

January 22, 2020

Patriot America Plus

January 21, 2020

Atlas America

January 16, 2020

Nationwide Prime Travel Insurance Review

September 21, 2023

Nationwide Luxury Cruise Travel Insurance Review

Nationwide choice cruise travel insurance review, nationwide universal cruise travel insurance plan review, nationwide essential travel insurance plan review, all clear travel insurance – all you need to know.

August 4, 2023

CoverMore Travel Insurance: Everything You Need to Know

Staysure travel insurance: everything you need to know, post office travel insurance – everything you need to know, argentina expatriate health insurance – ultimate guide.

August 2, 2023

Visitcover.com is a travel insurance review portal that will help you choose the right travel insurance plan for your next trip. By bringing you unbiased, fact-checked, verified information about travel insurance companies, plans, claim processes, and everything that's usually mentioned in the fine print. Make informed decisions, with us!

Opening hours

09.00 - 22.00

09.00 - 18.00

09.00 - 16.00

Blogitivity Media LLC, 30 N Gould St Ste N, Sheridan, Wyoming, USA, 82801

Call Us: +1-972-985-4400

[email protected]

Blogitivity Media LLC 30 N Gould St Ste N, Sheridan Wyoming, USA, 82801 © 2024 VisitCover.com

Bermuda Tourism

Let's Explore Bermuda

Put Travel Insurance on Your Bermuda Trip Checklist

Deciding to vacation to Bermuda isn’t difficult. The island is beautiful, with its pink beaches and great weather. Nearly everyone speaks English, and the traditional foods include great ingredients such as bananas, beans, fish and brandy or wine.  When you need a break from the beach, there are attractions such as the Crystal & Fantasy Caves, the Bermuda Aquarium, Natural History Museum and Zoo, and the Bermuda Maritime Museum.

Plus, it’s not a long trip from most East Coast locations. That means it is accessible not only by plane or cruise ship – and those are great ways to get there – but also by private yacht.

But as you check items off your Bermuda vacation to-do list, make sure you haven’t forgotten a couple of important ones. Everyone remembers prescriptions and trip itineraries. But there are some arrangements that could have slipped your mind.

For example, remember that the island, despite that proximity to the U.S., is considered a foreign country. That means, first off, that you’ll a passport. In addition, have you thought about letting your bank and your credit card companies know that you’ll be out of the country for a few days? If not, you face the possibility of having your accounts frozen when you need them the most.

Another important matter to take care of before you leave home on that trip is travel insurance. It might not sound exciting, but it can save you a pile of money and be a literal lifesaver. This is particularly important if you’re taking a commercial flight or cruise to Bermuda.

Table of Contents

Picking the right travel insurance

However, make sure you have the right travel insurance. The best policies offer several types of protection, including trip cancellation. This is the coverage you need if you become ill or there is a natural disaster in the country you’re visiting. You also should make sure you have flight delay coverage. Your provider will cover hotel costs and make new travel plans on your behalf under this coverage.

You should also make sure you are protected for baggage loss or theft. Otherwise, you could wind up stuck in Bermuda with no clothes, no prescriptions and maybe even no identification. That can mean paradise lost, too. A good travel insurance policy can help with all that. It can also help if you lose your passport or other travel documents or money.

Insurance is Protection

But possibly the biggest reason  to get travel insurance is to give yourself protection in case you become ill or injured in a foreign company. What could happen? Say you get in a wreck when you’re traveling the island in search of some of its unique animals, such as tree frogs, sea turtles and tropical birds. Your health insurance – including Medicare – likely won’t pay for medical care overseas, which could cost thousands. In addition, hospitals in some countries want payment up front. A good travel health insurance policy, regardless of whether your destination is Bermuda or somewhere else, also will pay to evacuate you if you need specialized care, again saving you thousands of dollars.

The best reason to buy travel insurance is to make sure that you enjoy the beaches and calypso music and everything else that Bermuda offers to its guests. Purchasing a good travel insurance policy will help make sure you have the opportunity to cash in on golf, scuba diving and all the other activities that are available.

The cost? It’s likely lower than you think. Coverage will run between 4% and 8% of the total price of your vacation. The more important question might be this: How much could it cost you NOT to have travel insurance?

Do I need travel insurance for my summer vacation? It's complicated.

• Travel insurance can be complicated, but it's worth it if you have travel expenses that insurance would cover.
• You might not need travel insurance if you're taking a driving vacation and staying in a place where lodging is free.
• If you're leaving the country, you'll likely need travel insurance.

Get more news like this delivered to your inbox by signing up for our Travel newsletter here .

If you're planning to travel somewhere this summer, you're probably thinking of buying travel insurance.

Kingsley Hopkins is. He's headed to Portugal and Iceland with his girlfriend, and he wants to make sure he's covered for things like medical emergencies or trip disruptions, "or if a volcano erupts," he said.

Check out   Elliott Confidential , the newsletter the travel industry doesn't want you to read. Each issue is filled with breaking news, deep insights, and exclusive strategies for becoming a better traveler. But don't tell anyone!

But getting the right travel insurance can be complicated. There's no one-size-fits-all policy, and Hopkins, an assistant editor at a book publishing company in New York, has been spending a lot of time thinking about how to protect his summer vacation.

Learn more: Best travel insurance

Chances are, so have you.

Why finding the right travel insurance is so hard

Most surveys suggest this will be a record summer for travel. How much of a record? Demand is so high that some airlines are afraid they will run out of planes. Now that's busy.

At the same time, danger and uncertainty are lurking everywhere – wars in Europe and the Middle East, the usual slate of natural disasters like hurricanes and maybe a volcano or two. It's no wonder people are giving some serious thought to insurance. 

Older travelers are particularly worried. And they should be, said PK Rao, CEO of INF Visitor Care . Claims by travelers over age 50 spike during the summer months.

Warning: American tourists are being profiled. Don't be one of them.

Try this pro trick for an affordable and stress-free summer vacation

"According to our claim data, medical emergencies tend to uptick during the summer, especially for those going on trips that involve outdoor activities," he said.

But there are so many choices out there, including credit card coverage, medical evacuation membership programs and stand-alone travel insurance. What should you get?

You need peace of mind 

But don't just reflexively start shopping for a travel insurance policy this summer. Instead, look for peace of mind – knowing that if something goes wrong, you'll be taken care of.

"Knowing you're protected from unforeseen travel mishaps – like delays, lost baggage and even medical emergencies – can make the trip that much more enjoyable,” said Daniel Durazo, a spokesman for Allianz Partners USA .

As it turns out, there are several ways to get the peace of mind you need. And there are times when you can safely skip travel insurance.

This is when you don't need insurance

Here's when you can skip travel insurance, according to experts:

◾ If you already have coverage. "You may already have travel coverage through your benefits at work, your credit card, or through group benefits with an organization," said Jiten Puri, CEO of PolicyAdvisor.com. If you do, there's no need to buy more coverage. You're all set.

◾ If you're not traveling far. If you're taking a driving vacation and staying in a place where lodging is free, like a relative's sofa, then there's not much to insure. "If you already have health insurance, it may cover you for a domestic trip, so you don't need to think about health insurance coverage," said Joe Cronin, CEO of International Citizens Insurance .

◾ If your trip isn't insurable. Traditional travel insurance covers conventional trips with prepaid, nonrefundable components like airline tickets and hotel stays. You might find that you either already have coverage through your medical insurance, or the trip is essentially uninsurable.

So think twice before saying "yes" to optional travel insurance that your online travel agency may offer you when you're booking a trip. You might not need it.

Here's when you need travel insurance

But most travelers should consider some kind of travel insurance coverage this summer. Here's when you need the extra coverage:

◾ If you have travel expenses that insurance would cover. "If you have many prepaid, nonrefundable expenses, it's best to take out travel insurance," said Lauren Gumport, a spokeswoman for Faye Travel Insurance ."This includes things like flights, hotel rooms, tickets and activities." The more conventional your vacation, the likelier travel insurance is to cover almost every aspect of your summer vacation.

◾ If you're leaving the country. "Your regular medical insurance might not extend coverage beyond your home borders," said John Rose, chief risk and security officer at ALTOUR . Also, many countries require travel insurance for entrance. They include Bermuda, Qatar, Sri Lanka, and some European countries.

◾ If you can't afford to lose your trip. "When considering travel insurance for your summer trip, evaluate whether you can afford to lose your vacation investment due to unforeseen circumstances like illness, weather disruptions, or emergencies," explained Robert Gallagher, president of the US Travel Insurance Association (USTIA). "Can you afford the financial risk if you miss your cruise departure because of covered flight delays? What if you have to cut your trip short because of illness?"  

One of the most common mistakes travelers make is assuming their credit card will cover them. For example, I found that my credit card only covered my rental car as secondary insurance, which made it completely useless when I rented a car in Tampa recently. I had to buy a standalone policy from Allianz to cover the vehicle.

Should you repeat your vacation? Let's settle this once and for all.

Junk fees: Travelers are drowning in junk fees during the summer of surcharges

How one traveler insured his summer vacation

So, how did Hopkins handle his travel insurance needs? Well, as I mentioned – it's complicated.

Hopkins said he always buys some travel insurance before he takes a trip, "but how much, and what I cover, varies," he explained.

He decided that his path to peace of mind in this case was to spend a few extra dollars: He made fully refundable flight and hotel reservations, just in case something went wrong. That would eliminate a lengthy claim with his travel insurance company or credit card.

But he still needed at least $50,000 in medical coverage with emergency evacuation because of his active schedule.

"We’re going to be doing a lot of hiking in Iceland," he said. "And you just never know." 

At the beginning of the year, he decided to buy an annual Medjet Horizon plan, a membership that would get him from a hospital in Portugal or Iceland to a hospital at home, in case something happened. 

For insurance, Hopkins checked TravelInsurance.com to find an affordable travel insurance policy. He found coverage through Trawick International that pays up to $50,000 in medical expenses and up to $200,000 for an evacuation.

"I’ve heard good things about them," he said. "Hopefully, we won’t need any of it."

How do I insure my trips?

I'm on the road about 360 days a year, so I'm always thinking about peace of mind. I currently use a Wells Fargo credit card with lots of travel benefits, and I have long-term policies through Faye and Cigna, which have worked fairly well. I also am a long-time Medjet Horizon member. If I rent a car, I turn to Allianz for my primary coverage.

I know – that's a lot of peace of mind. 

But I've also run into trouble and had to use many of those benefits. Medjet got me back home during the pandemic. Cigna covered me after a serious ski accident in Switzerland. My old Allianz policy took care of my medical expenses when I had to see a doctor in Santa Fe, New Mexico, a few years ago.

Like I always say, when it comes to having enough insurance, better safe than sorry.

Christopher Elliott  is an author, consumer advocate, and journalist. He founded  Elliott Advocacy , a nonprofit organization that helps solve consumer problems. He publishes  Elliott Confidential , a travel newsletter, and the  Elliott Report , a news site about customer service. If you need help with a consumer problem, you can  reach him here  or email him at  [email protected] .

The Key Points at the top of this article were created with the assistance of Artificial Intelligence (AI) and reviewed by a journalist before publication. No other parts of the article were generated using AI. Learn more .

75 Front Street, Hamilton HM 12 - Phone: +1 441 2963600 - Fax: +1 441 2956209 - E-mail: [email protected] - Mailing Address: P.O. Box HM 836, Hamilton HM CX, Bermuda

• Information

Freisenbruch - Homepage

Click here to apply online for a Temporary Pension Refund of Money from an Occupational Pension Plan and/or Local Retirement Product under the National Pension Scheme (Refund) (Temporary) Regulations 2022.

Please note we are currently completing our annual risk model rebalancing which may cause delays in making payments and/or investment changes.

Freisenbruch

Proud to be one of Bermuda's leading insurers and pension plan providers.

Everyone has something they need to protect.

Freisenbruch bolsters your strength when you need it most, providing financial security and peace of mind. Founded in 1980, Freisenbruch is a Bermuda insurance company with global connections.

Excellence Expected; Excellence Deserved

You’ve come to us with high expectations-truth be told, we like it that way..

Our job is to hear you out and design the most reliable insurance coverage for you. You’ll leave our office with a plan that fits perfectly with your life–not to mention added peace of mind.

A Different Kind of Company

At freisenbruch, it’s never business as usual..

We consider it an honor to serve you and your business. That’s why we leave the insurance jargon at the door.

We are happy to explain our services to you in plain English – and with lots of heart – so you understand exactly how your coverage benefits you.

Latest updates from FM (View the Newsroom for more)

Freisenbruch welcomes Marie Voysey-Moss as Vice President Broking Services

Cyber Threats in Paradise

What You Can do to Protect Your Business …

GAMBLING WITH CYBER EXPOSURE

One thing nobody should gamble with is cyber exposure …

Patrick Neal appointed CEO of Freisenbruch Insurance Services Ltd.

Press Release July 2023 …

Your Income Potential

Having the right succession plan in place, you lay the foundation for all …

Car Insurance While Traveling Overseas

With an existing car cover insurance policy, you have the convenient option …

Website & content Copyright © Freisenbruch. All rights reserved. Terms and Conditions

Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

• Customer Stories
• Resume Quote / Application

What type of coverage do you need?

• Vacation / Holiday
• Visitor / Immigrant
• Student / Scholar
• Employer / Business Traveler
• Expat / Global Citizen
• Mission / Social Good
• Marine Captain / Crew
• Flights / Airfare
• Cruises / Excursions

Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

Popular Plans

International health insurance.

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Individual & Family Services

Non-insurance services for worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance.

Enterprise Services

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

What type of organization do you represent?

• Corporations
• Insurance Companies
• Educational Institutions
• Mission Organizations
• Maritime Industries
• Government Agencies
• Non-Profit Organizations

Medical & Travel Assistance

Global workers' compensation case management, security assistance services, insurance administrative services, comparing "add-on" travel insurance vs. independent travel insurance plans.

Travel Insurance provided through a third-party travel insurance provider can be a more effective way to make sure your trip investment as a whole is protected, regardless of where you book your flights, cruise, or other activities.

When planning your next trip, you are likely to be asked somewhere throughout the checkout process if you would like to add travel insurance—whether it be when booking a flight, cruise, hotel, or other travel expenditure. While your first thought might be to just “check the box” conveniently provided before you complete your booking, is this the best way to make sure you and your trip investment are protected from the unexpected?

Cruise Add-On Travel Insurance

Cruise providers often give you the option to add travel insurance when booking your trip, but it’s important to keep in mind that the insurance being offered may only cover select aspects of your cruise. If you’ve made other prepaid, non-refundable purchases for your trip, such as flights or excursions through another supplier, the travel insurance from the cruise line may not provide the coverage you need.

Airline Add-On Travel Insurance

While airline add-on insurance may provide coverage for the cost of the airline ticket you purchased, it may not cover additional costs that arise if your flight is delayed or cancelled, such as prepaid hotel costs for the night you missed or additional flight costs to catch you up with your cruise. If your only out-of-pocket expense is an airline ticket, your airline’s travel insurance might be the right plan for you—just be sure to review the plan details and exclusions.

Other Add-On Travel Insurance

Several other travel suppliers or tour operators may provide add-on travel insurance during the checkout process, such as hotels, rental cars, or even event tickets. Often, travel insurance offered by vacation rental sites, resorts, and booking engines provide coverage only for costs associated with that particular booking/purchase and won’t provide coverage for other prepaid, non-refundable costs you have made related to your trip. No matter where you buy your travel insurance, always read the fine print and review the policies carefully.

Third-Party Travel Insurance

Travel Insurance provided through a third-party travel insurance provider, such as IMG, can be a more effective way to make sure your trip investment as a whole is protected, regardless of where you book your flights, cruise, or other activities.  

IMG’s iTravelInsured Travel SE and iTravelInsured Travel LX plans are both great options for either domestic or international destinations. These plans provide the coverage you need for prepaid, non-refundable trip costs and specifically include benefits related to trip cancellation, trip delay, lost baggage, and much more. Plus, these plans provide emergency medical expense coverage for unexpected illnesses and accidents—especially important when traveling outside the U.S.

All IMG plans also include 24/7/365 access to non-insurance travel assistance services that can provide emergency travel arrangements, medical referrals, lost passport assistance, and more.

Through this website and our social media updates, we are providing content, hyperlinks and references to information and articles, some of which has been created by third parties ("third-party content"). International Medical Group, Inc. and its parents, subsidiaries and affiliates ("IMG") neither endorses nor is responsible for the accuracy or reliability of any information, statement, opinion or advice within this third-party content. It is the responsibility of every user to evaluate the accuracy, currency, completeness or usefulness of any information, statement, opinion or advice within the third-party content. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, statement, opinion, or advice within the third-party content. Any concerns regarding such third-party content should be directed to the third-party. You acknowledge that under no circumstances will IMG be liable for any loss or damage caused by reliance on this third-party content.

Request Information

To request more information, please fill out the form below. after you submit the form, we will have an img representative contact you., contact information, company information, how can we help.

Thank you for your submission! A representative will be with you shortly.

Select your language, headquarters, send a message.

If you need to send personal information such as medical records, payment information, etc., please use our Secure Message Center .

Thank you for your message! We'll be in touch shortly.

Travel insurance needs are very personal: Here's what to know in case your plans go south

Q: My dear friend recently suffered a fall while visiting her family. She ended up in an out-of-town facility for several weeks and then required custom evacuation services to return home. For the first time, I’m strongly considering travel insurance; what do I need to know?

A: I’m so sorry to hear that your friend had such an unexpected and stressful experience. Like all insurances, the desire to pay for a policy that shares risk when traveling is a very personal decision. Let’s review the coverages offered and try to narrow in on your priorities.

Where are you going, and do you want to pay for evacuation coverage that will bring you back to the U.S. for treatment? When there is a serious illness or injury and medical treatment is required, a travel insurance policy with solid medical coverage can cover the cost of emergency treatment, hospitalization and medication. A couple months ago, another good friend became ill while on riverboat vacation in Paris and she didn’t have travel insurance. The complete cost of her testing, diagnosis and treatment was only $300.

Start the day smarter. Get all the news you need in your inbox each morning.

An emergency evacuation may be covered during a natural disaster, political unrest or a medical emergency.

Recently a young couple was walking the Camino Trail and staying in hostels. When he contracted COVID, the hostels made them leave so they could protect the safety of their other guests. Too sick to travel home, the young couple had to pay for an expensive hotel in Spain.

More: I'm leaving my corporate job to be a brewmaster: What's the best way to tap into savings?

Is trip delay, cancellation and interruption your priority? While delays are more common in less developed parts of the world and rebooking air can be expensive, travel disruption takes many forms. Civil conflict, terrorist attacks, epidemics, natural disasters and economic unrest are all acceptable reasons to rearrange schedules and accommodations. Some carriers have an emergency team of experts staffed by Army Rangers, Navy Seals and Air Force Pararescue. These coverages provide peace of mind wherever you’re going.

Still checking luggage? After personally spending three days in Africa without my clothes, I learned that lost or delayed baggage can seriously impact a vacation. Most travel insurance plans include lost luggage coverage for clothing and other essential items.

How about losing your backpack, purse or wallet? These items often include expensive electronics and essential identification. The travel insurance representative may be able to guide you through the maze of replacing government-issued documents necessary for returning home. Don’t carry too much cash; it’s rarely reimbursable.

Are you planning to rent a vehicle overseas? Check your auto insurer before you go to find out what’s covered. Ask the rental company overseas to find out if there are any age limitations. Some countries have extra rules for renters above age 75, and many impose a fee or require the purchase of overpriced insurance similar to the “under 25” fee in the U.S. And then there are the countries that want documented proof of suitability, which can vary by location.

Do your research. There are several good websites where searching for a plan narrows the focus into specific goals. Consider these questions:

• Is this just for one trip? Or are you traveling many times this year and want a multi-trip plan?
• Do you want a basic plan or prefer to have extensive coverage that includes a multitude of situations and many more benefits?
• Is trip interruption or cancellation a priority?
• Is emergency medical a top priority? What about evacuation back to the US?
• Do you want to cover delayed or lost baggage?

Most travel insurance reimburses covered financial losses and requires that a claim be filed and approved, and the loss must be proven. Pricier plans may pay expenses upfront or pay a fixed payment of around $100 per day. The travel insurance plan that you choose can be based on your priorities. As with most things in life, you get what you pay for.

Safe travels!

Mary Baldwin, CFP®, is a fee-only financial planner at Buckingham Strategic Wealth in Indian Harbour Beach. Contact her at 321-428-4555 or [email protected].

For informational and educational purposes only and should not be construed as specific investment, accounting, legal, or tax advice. Certain information is based on third party data and may become outdated or otherwise superseded. Neither the Securities and Exchange Commission (SEC) nor any other federal or state agency have approved, determined the accuracy, or confirmed the adequacy of this information. R-24-7414.

This article originally appeared on Florida Today: Travel insurance needs are very personal: Here's what to know in case your plans go south

• Search Please fill out this field.
• Manage Your Subscription
• Give a Gift Subscription
• Newsletters
• Sweepstakes

We independently evaluate all of our recommendations. If you click on links we provide, we may receive compensation.

• World's Best

Travel + Leisure Readers' 25 Favorite Resorts in the Caribbean, Bermuda, and the Bahamas of 2023

Travel + Leisure readers voted these as their favorite sunny island resorts in our annual "World’s Best Awards" survey for 2023.

How Voting Works

What readers loved, the full list.

The Caribbean, Bermuda, and the Bahamas boast some of the world's most pristine beaches, with crystal-clear water and tropical temperatures. Whether it's the soft beaches of the Bahamas or the lush rainforests in Dominica, these islands have something for everyone. Outdoor enthusiasts, for example, can immerse themselves in activities like snorkeling, scuba diving, zip lining, and sailing. But the islands are also known for their rich history and vibrant culture, which is reflected in their colorful architecture, culinary offerings, and music scene. 

Every year for our World's Best Awards survey, T+L asks readers to weigh in on travel experiences around the globe — to share their opinions on the top hotels, resorts, cities, islands, cruise ships, spas, airlines, and more. Nearly 165,000 T+L readers completed the 2023 survey, an increase of nearly 25 percent over pre-pandemic voting levels. A total of more than 685,000 votes were cast across over 8,500 unique properties (hotels, cities, cruise lines, etc.).

Hotels were classified as either resort hotel, city hotel, or safari lodge based on their location and amenities, and they were specifically rated on the criteria below:

• Rooms/facilities

For each characteristic, respondents could choose a rating of excellent, above average, average, below average, or poor. The final scores are averages of these responses. 

Courtesy of Belmond

Readers showed their love for St. Lucia this year, with five properties making the top 25 list, followed by Turks and Caicos with four resorts. In fact, this year's runner-up is Cap Maison Resort & Spa in St. Lucia, which rose the ranks from No. 7 last year. This property has views, villas, and private pools — but it's a dream for food lovers. Think fine-dining venues with panoramic views, pop-up dinners with visiting chefs, and wine tastings at this all-inclusive resort.

No. 4 Kamalame Cay on the Bahamas' Andros Island has an overwater spa, which one T+L reader said was “the best part of the trip.” Aruba’s Bucuti & Tara Beach Resort (No. 7) — a T+L reader calls it “heaven on Earth” — offers a multitude of tours, like a guided walk of Aruba’s downtown, a food tour visiting locals' favorite restaurants, or even a closer look at Aruba’s 160-year history of aloe farming. And Ambergris Cay in Turks and Caicos (No. 5) offers a guided whale-watching tour with a marine biologist.

The No. 1 spot this year went to the Dominica resort that won last year, too: Secret Bay. Read on to learn why this Dominica enclave continues to top the list.

Secret Bay: Portsmouth, Dominica

Courtesy of Secret Bay

Tucked in the Eastern Caribbean Sea is the island nation of Dominica, which was also named the best island in the Caribbean by T+L readers this year. On the eastern side of the island is an all-villa hotel called Secret Bay. “I would recommend Secret Bay for everybody wanting a home away from their home,” one T+L reader said. Another fan summed up the property in two simple words: “absolutely excellent.” The secluded clifftop villas each come with their own butler, indoor and outdoor living spaces, private plunge pool, gourmet kitchen (with a private chef), and covered terrace with sea views. Guests can indulge in outdoor activities like snorkeling, stand-up paddle boarding, and kayaking; cultural experiences like a cooking class; or self-care experiences like yoga and a massage at the on-site wellness pavilion.

1. Secret Bay : Portsmouth, Dominica

Reader Score: 98.30

Book Now: Hotels.com | Expedia | Tripadvisor

2. Cap Maison Resort & Spa : Gros Islet, St. Lucia

Reader Score: 96.80

3. Point Grace : Grace Bay, Turks and Caicos

Reader Score: 96.73

4. Kamalame Cay : Kamalame Cay, Andros Island, The Bahamas

Reader Score: 96.67

Book Now: Tripadvisor

5. Ambergris Cay : Big Ambergris Cay, Turks and Caicos

Reader Score: 96.46

6. Le Sereno : St. Barts

Reader Score: 96.44

7. Bucuti & Tara Beach Resort : Oranjestad, Aruba

Reader Score: 96.30

8. Caerula Mar Club : South Andros Island, Bahamas

Reader Score: 96.25

9. Le Toiny St. Barth : Anse de Toiny, St. Barts

Reader Score: 96.09

10. Jamaica Inn : Ocho Rios, Jamaica

WBA Hall of Fame honoree. Reader Score: 96.00

11. Round Hill Hotel and Villas : Montego Bay, Jamaica

Reader Score: 95.85

Book Now: Expedia | Tripadvisor

12. Wymara Resort & Villas : Providenciales, Turks and Caicos

Reader Score: 95.70

13. Windjammer Landing Villa Beach Resort : Castries, St.Lucia

Reader Score: 95.49 

14. Ladera Resort : Soufrière, St. Lucia

Reader Score: 95.38

15. Rosewood Le Guanahani St. Barth : Grand Cul de Sac, St. Barts

Reader Score: 95.29

16. Four Seasons Resort and Residences Anguilla : Barnes Bay, Anguilla

Reader Score: 94.83

17. Jade Mountain : Soufrière, St. Lucia

WBA Hall of Fame honoree. Reader Score: 94.78

18. Eden Roc Cap Cana : Punta Cana, Dominican Republic

Reader Score: 94.45

19. Sugar Beach, A Viceroy Resort: Soufrière, St. Lucia

Reader Score: 94.07

20. La Samanna, A Belmond Hotel : Marigot, St. Martin

Reader Score: 93.90

21. Hermitage Bay : Jennings, Antigua and Barbuda

Reader Score: 93.65

22. Frangipani Beach Resort : Meads Bay, Anguilla

Reader Score: 93.52

23. The Ocean Club, A Four Seasons Resort, Bahamas : Paradise Island, Bahamas

Reader Score: 93.51

24. Grace Bay Club : Grace Bay, Turks and Caicos

Reader Score: 93.29

25. Caribbean Club : Grand Cayman, Cayman Islands

Reader Score: 93.25

Related Articles

You must sign-in with your Lenovo ID to access your Shopping Cart, directly. Otherwise, select an item to start building your Cart.

Benefits of having a Lenovo ID

Critical product support, upgrades, and alerts on topics such as safety issues or product recalls.

Quick, secure access to your purchase history for warranty validation or insurance claims.

New product announcement updates and exclusive online offers