Insurance is a vital component of any holiday, but it is a jungle and all too easy to overlook. Don’t make the mistake however of thinking that if a booking is made with your credit card then you will be covered for all aspects of the insurance you might need for you and your travel companions - you wouldn’t want to shoulder the cost of hospital care in the States or an emergency airlift back home. Insurance is no token gesture. Insurance companies have had their effect on the design of hotels, insisting on a whole raft of safety standards ranging from swimming pool markings to balcony balustrades at a certain height and width.

If you book a flight inclusive holiday through a tour operator in the UK or Europe, you will normally be offered an insurance option. These policies may vary quite radically in price, so you might want to make comparisons, but the right coverage should be assured with a tour operator’s policy so it might be worth the differential.

If you are putting together a DIY holiday you should arrange your own coverage. See our Travel Insurance Tips for the Caribbean.

Affordable Caribbean Trip Insurance for residents worldwide... policies issued on the day of purchase and on-line.

Please use this link to book your Caribbean trip insurance on-line direct with Worldwide Travel Insurance (valid for UK and Worldwide residents):

Worldwide Travel Insurance came recommended to DefinitiveCaribbean as a professional, British based company that can offer coverage to travellers outside the UK as well as travellers based in Britain. A family business underwritten at Lloyds of London, Worldwide Travel Insurance was founded in 1993 at a time when there was little direct sale of travel insurance and they were one of the first companies to offer an annual, multi-trip insurance that is now very familiar. They have been selling on-line since 1999

While they definitely offer cover for regular, package-based holidays, they also have policies to cover independent travellers on sports and activity based holidays. They also offer coverage for volunteer/charity work and working abroad. Finally they have an in-house medical approval service so they are able to let you know immediately whether they are able to cover a medical condition. They issue policies on the day of purchase and on-line, so they are also ideal for last minute travel.