It may not be mandatory to have travel insurance for the Dominican Republic to enter the country, but you certainly won’t regret purchasing DR travel insurance coverage, especially if you experience any health problems or travel mishaps.
Dominican Republic Travel Insurance – Cost and Comparison
The Dominican Republic used to offer a free health plan with COVID-19 coverage to visiting tourists, but now that this health plan scheme has ended, it is more important than ever to have travel insurance with COVID-19 coverage.
If you’re wondering, the best travel insurance for the Dominican Republic is by far Heymondo. Their plans offer the highest amount of coverage for the most affordable price, and best of all, you will never have to pay out-of-pocket medical fees because Heymondo pays your medical expenses upfront for you.
Do I need travel insurance for the Dominican Republic?
Although having DR travel insurance isn’t one of the entry requirements for the Dominican Republic, buying travel insurance for the Dominican Republic is smart because you’ll avoid paying for any medical fees or extra travel expenses out of pocket.
Since the free health plan for tourists is not available anymore, having Dominican Republic travel insurance is the only way to ensure that you’ll have health coverage while you’re visiting DR.
How much is Dominican Republic travel insurance?
To help you choose DR travel insurance and understand how much it costs, I’ve compared travel insurance Dominican Republic quotes by using the example of a 30-year-old American citizen who is traveling to DR for one week and whose trip costs $2,500.
Price | $38.17 | $62.28 | $77 | $49.66 |
COVID coverage | ✔️ | ✔️ | ✔️ | ✔️ |
Emergency Medical Expenses | $250,000 | $100,000 | $150,000 | $50,000 |
Evacuation and Repatriation | $500,000 | $300,000 | $500,000 | $200,000 |
Trip Interruption | $2,500 | $2,500 | 150% of $2,500* | 100% of $2,500* |
Trip Cancellation | $3,500 | $2,500 | 100% of $2,500* | 100% of $2,500* |
Baggage Loss | $1,700 | $1,000 | $1,500 | $750 |
DOMINICAN REPUBLIC TRAVEL INSURANCE COMPARISON |
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*Price used for example.
Best Travel Insurance for the Dominican Republic
While all four DR travel insurance plans have their merits, the best travel insurance for the Dominican Republic is definitely Heymondo. Heymondo stands out because it offers the highest amount of coverage for the most affordable price and pays travelers’ medical expenses upfront instead of having them file a claim.
1.Heymondo, the best travel insurance for the Dominican Republic
Heymondo is the best travel insurance for the Dominican Republic and the best travel medical insurance for the Dominican Republic. It offers outstanding coverage in all medical- and travel-related coverage categories. Even with the highest amount of coverage, the Heymondo Top plan is still the most affordable of all the Dominican Republic travel insurance plans I compared, giving it the best coverage-to-price ratio.
On top of that, Heymondo is the only DR travel insurance company that pays your medical expenses directly and upfront instead of making you pay out of pocket and then file a claim to get reimbursed. Heymondo’s Top plan also offers excellent coverage for COVID-19 testing and treatment abroad, and you can even add electronics or adventure sports coverage to the plan.
Heymondo’s only drawback is that it does not cover travelers who are over the age of 69, so if you are an older traveler, IMG or Trawick may be better suited for you.
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Currently, we have an annual travel insurance policy since it’s the most convenient and cheapest option for frequent travelers. If you do decide to purchase your travel insurance to the Dominican Republic from Heymondo, you can save 5% on their policies with the discount link below.
2. World Nomads, a reliable DR travel insurance
Planning an adventurous, adrenaline-filled trip to the Dominican Republic? World Nomads has the perfect Dominican Republic travel insurance for you since their Standard plan includes Adventure Sports and Activities coverage for everything from archery to ziplining.
The World Nomads Standard plan offers solid coverage in all medical- and travel-related coverage categories and, like any of the best travel insurance plans, provides coverage for COVID-19 treatment abroad.
One limitation of the Standard plan, however, is its coverage-to-price ratio; you can get similar or higher coverage for half the price with Heymondo. Also, since the Standard plan doesn’t cover travelers over the age of 69, if you are an older traveler, an IMG or Trawick DR travel insurance plan may be better for you.
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3. IMG, a good travel health insurance Dominican Republic
An excellent choice for travel insurance to the Dominican Republic is IMG, whose plans provide a high amount of coverage in both travel- and medical-related categories.
The iTravelInsured Travel SE plan offers the highest amount of Trip Interruption coverage of all the plans I compared and even includes Cancel for Work Reasons coverage, so you can cancel your trip if you are unexpectedly terminated or transferred. This plan is also great for older travelers since it covers travelers who are aged 70 and up.
If you are on a budget, though, IMG may not be the best plan for you, since it is the most expensive DR travel insurance plan. Just keep in mind that you can get similar or even better coverage for a more affordable price with Heymondo.
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4. Trawick, a cheap travel insurance Dominican Republic
Trawick is a fantastic option if you’re looking for cheap travel insurance for the Dominican Republic, particularly if you’re a senior. Their Safe Travels Explorer plan covers travelers over the age of 70 and offers coverage for COVID-19 treatment abroad.
The Safe Travels Explorer plan also provides good coverage for Trip Interruption and Trip Cancellation and is relatively affordably priced.
However, this plan does have the lowest coverage for Emergency Medical Expenses, Evacuation and Repatriation, and Baggage Loss of all the travel insurance for the Dominican Republic plans I compared, so if you want better coverage for an even more affordable price, Heymondo is your best bet.
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What should my travel insurance to the Dominican Republic cover?
There are so many options for travel insurance for the Dominican Republic that it can be overwhelming to try and choose a plan. To help make it simple, here are the coverage elements that any good travel insurance to the Dominican Republic should include:
- Emergency medical expenses – you could contract COVID-19, break a bone, or experience food poisoning while you’re traveling. Having DR travel insurance with emergency medical coverage means that quarantine fees, treatment expenses, and prescription medications will be all covered, so you won’t be stuck paying for expensive medical bills on your own.
- Evacuation and repatriation – accidents and illnesses don’t always happen in the most convenient locations. If you injure yourself seriously in a remote area and need to be airlifted to the nearest hospital or fall gravely ill and require transportation to your home country for treatment, evacuation, and repatriation coverage will reimburse you for the (very expensive) cost of transportation fees.
- Trip cancellation, interruption, and delay – life doesn’t always go according to plan; you may be forced to cancel or postpone your trip due to inclement weather, sudden death in the family, or even jury duty. However, just because you need to change your plans doesn’t mean you have to lose out on the money you paid for your trip. Trip cancellation, interruption, and delay coverage allow you to recoup all of your pre-paid travel expenses.
- Baggage loss – even if your bag gets lost, stolen, or delayed, you still need to have a toothbrush and some clothes to wear. Avoid having to buy all new toiletries and clothes with your own money by purchasing Dominican Republic travel insurance with baggage loss coverage.
Is DR travel insurance worth it?
Even if it’s not mandatory, having Dominican Republic travel insurance is worth it, because, without the free tourist health plan, visitors have no health coverage if they don’t buy DR travel insurance. Still, it’s one of the best Latin America countries you can visit.
Don’t get caught without medical coverage; make sure you buy the best travel insurance for the Dominican Republic, Heymondo. Not only will you get excellent coverage for an affordable price, but you can also save even more money with our reader discount.
