Travel Insurance for a Belize Vacation (2024)

Travel Insurance for a Belize Vacation (2024)
Travel Insurance for a Belize Vacation (2024)

Before July 12, 2022, Belize required all foreign tourists to purchase Belize travel insurance — offered through a partnership between the Belize Tourism Board, the Belize government and the Insurance Corporation of Belize — or personal travel insurance.

While no longer mandatory, this insurance is still available through the Belize Tourism Board. The plan only costs $18 per person for 21 days of coverage, but it offers limited protection. You can also purchase more comprehensive Belize travel insurance through independent companies such as Trawick or Seven Corners.

When you plan an international trip, it’s important to understand what travel insurance entails and whether you need it.

Some auto, home and health insurance policies may also provide protection while you travel, and many credit cards offer travel insurance perks, so be sure to review your existing plans and benefits before purchasing extra coverage. Then, research the types of travel insurance available and shop for a plan that meets your needs.

Here’s a rundown of a few popular types of coverage available for a trip to Belize.

Cancel for Any Reason Coverage

As you might guess, cancel for any reason coverage (CFAR) allows you to cancel your trip without explanation or justification. You could cancel because the weather looks bad or because of an uptick in COVID-19 cases or crime — or because you simply changed your mind. This coverage may be included in premium plans or available as an upgrade to basic plans.

Before paying extra for this coverage, consider what might cause you to cancel your trip to Belize and how much money you stand to lose. This upgrade may be worthwhile if you purchased nonrefundable tickets or had to make a large deposit to book your hotel stay, for instance. You might also invest in CFAR coverage if you think you may need to reschedule due to an upcoming family event or a new job.

Gear Theft Protection

Unless you are sure your renters or homeowners insurance will cover your personal belongings throughout your trip, it may be wise to purchase gear theft protection or baggage insurance. Many travel insurance plans include some type of coverage for your personal items. This coverage will help you replace stolen travel documents or lost luggage and repair broken gear.

From dense inland jungles to the Belize barrier reef, the country is a hotspot for travelers with gear-intensive hobbies like photography and scuba diving. Obtaining gear theft protection is especially important if you plan to travel with expensive camera equipment or other electronics. With it, you should be able to replace lost, damaged or stolen items that you need to fully enjoy your trip.

Medical Emergency Insurance and Emergency Medical Evacuation

Belize’s natural wonders make it not only an exciting place to visit, but also a potentially dangerous one.

If you plan to do any exploring or adventuring during your time in Belize, make sure your travel insurance plan includes travel medical insurance and emergency medical evacuation. These coverages will help with medical expenses related to any illnesses or injuries you experience while visiting Belize. This includes the cost of emergency medical care, emergency air evacuation and repatriation if your condition warrants you to return to the U.S.

Rental Car Protection

You might rent a car in Belize to take a drive down Hummingbird Highway, a scenic road that runs from the capital city of Belmopan to Dangriga, or to San Ignacio Town to see Maya ruins near the border of Guatemala. If your car gets damaged along the way, rental car protection will save you from footing a large expense.

While your U.S. car insurance may cover you for accidents that occur in Canada and Mexico, it typically won’t extend to Central America. So if you plan to drive in Belize, you may need to purchase rental car protection. You can purchase car protection through your car rental company or as an add-on to a more comprehensive travel insurance plan.

Trip Cancellation Insurance

Comprehensive travel insurance includes trip cancellation coverage. You can also purchase standalone protection for specific aspects of your trip. For instance, you might pay extra for a refundable airline ticket or the ability to cancel your hotel or cruise reservation without penalty. In those cases, you would pay for coverage through the airline, cruise line or hotel.

Unless you upgrade to CFAR coverage, certain exclusions may apply. Standard cancellation insurance typically only covers unforeseen events such as medical emergencies, jury duty or the death of a family member. It would also kick in if a recent or expected hurricane made traveling to Belize unsafe.


Leave a Reply

Your email address will not be published. Required fields are marked *