Should I get trip insurance? Is there good health care in Jamaica?

We recommend both third-party travel health and trip cancellation insurance as well as the resort's change for any reason waiver.  Most third-party plans will offer coverage for trip-cancellation and medical costs. 

While the resort often has a nurse available onsite or can refer you to a local doctor for routine health issues, your medical insurance likely will not cover medical expenses in Jamaica. A serious matter involving medical evacuation or long-term injury could be extremely costly - sometimes over $30,000.

There are inexpensive options to make sure you are covered, often under $20-40 US. Many of these plans include a "sports rider" or similar coverage that will include coverage for sports injuries (like SCUBA diving, snorkeling, etc.). While these plans may or may not cover a BDSM related injury, we recommend that you purchase a travel insurance plan with sports rider coverage.

Plans are available through Tom's Trips or private companies like United Healthcare.

Read your policy and be sure the policy covers COVID-19 and does not exclude coverage in Jamaica. 

One option to consider Travel Safe, (but please use care to evaluate the plans that are best for you). Note that TravelSafe usually has a less-expensive medical only plan that includes medical care and medical evacuation. The medical plan does not have the other perks of travel insurance like cancellation coverage. You may also consider using Travel Guard, Allainz, or Geo Blue but in the past they they excluded COVID. 

Please note that Kinky Caribbean is not responsible for your travel insurance, medical needs, or injuries while traveling.