Travel Insurance Dominican Republic

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If you’re looking for travel insurance Dominican Republic then don’t hesitate to get a fast online quote now.

Emerald Life was started as a fresh take on the insurance industry that puts equality and diversity at its core.

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Around 190,000 Brits visit the Dominican Republic each year (2013-2017), and for a good reason. The country has everything you’d expect from a premier Caribbean destination — tropical weather, pristine beaches, rich Dominican culture, bountiful amenities, and accessibility from most major airports around the world.

Puerto Plata (the provincial capital surrounded to the North and South by the Atlantic coast) is particularly popular among tourists due to its beautiful beachfront and accessibility to many resorts and a golf course. The city also hosts an aerial tramway (the first in the Caribbean) that takes passengers to the top of Pico Isabel de Torres for an amazing picturesque view of the coastline.

The following are some of the things that you can look forward to during your trip to the Dominican Republic:

Windsurfing at the Cabarete

Also known as the windsurfing capital of the Dominican Republic, Cabarete boasts crystal clear waters and powerful winds. This makes it a prime tourist destination for people who are into windsurfing and surfboarding.

If extreme watersports aren’t your thing, then you’ll find plenty to see and do once you start exploring Cabarete’s vast stretch of white sandy beach (around 6 kilometres) littered with stores, restaurants, and coffee shops. This makes it one of the must-see places in the Dominican Republic.

Climb the tallest peak in the Caribbean

If you’re an avid mountaineer, then you’d be glad to know that the Dominican Republic is home to Pico Duarte — the tallest mountain in the Caribbean. At its peak, this mountain is 3,098 meters high and offers a challenging and unique experience for even the most seasoned mountaineer.

If you prefer a less arduous challenge, you can find it at Pico Isabel de Torres. It’s only 792 meters high, but upon reaching its peak, you’ll be rewarded with an awesome view of Christ the Redeemer Statue (similar to the one found at Rio de Janeiro) and the surrounding botanical gardens of Puerto Plata.

Create precious memories with the family at Ocean World Adventures

If you’re booking a single trip to the Dominican Republic for the whole family, then Puerto Plata’s Ocean World Adventures is an excursion that your family shouldn’t miss. This water park is unique in that it encourages real interaction with people. Your family can do more than play in the waterslides and stare at aquariums all day.

Children can swim and interact with various marine animals, including dolphins, sea lions, stingrays, and even sharks (Nurse Sharks, which are generally harmless and trained to interact with humans safely). The park also features a rainforest habitat teeming with birds, tigers, and other forest-dwelling creatures.

Immerse yourself in the Dominican culture and nightlife

Yet another good excuse to visit the Dominican Republic is to experience its unique culture, and there’s no better way to do that than to immerse yourself in the country’s bountiful nightlife options. Practically every resort in the country operates a bar or disco that offers free access to guests. Those that don’t may require a day pass which you can buy through cash or credit card.

One of the first things you’ll notice is that the locals’ love for karaoke and music. You’ll find various influences like jazz, blues, and Merengue (traditional Dominican music and dance).

If possible, you might want to schedule your trip around the 3rd week of June to partake in the country’s cultural festival. There, you can see folk concerts and troupes exhibiting traditional Dominican music and dance.

Get lost in time at Ciudad Colonial (Colonial Zone)

History buffs will have plenty of things to marvel at when visiting “Ciudad Colonial” — the Americas’ first European settlement. Despite its size ( 1.06 km2 ), this small area is of immense historical importance due to the presence of several important landmarks including Plaza de España (the first paved street in the Americas), Catedral Primada de América (the first cathedral in the Americas) and the Ruins of the San Nicolás de Bari Hospital, to mention a few.

Due to its historical significance of the Colonial Zone, UNESCO declared it as a World Heritage site in 1990, to be protected and preserved for future generations.

The excursions mentioned above are but a few of the great things you can look forward to during your trip to the Dominican Republic. However, before you leave, it’s a good idea to obtain an adequate single trip or multi-trip travel insurance. After all, anything can happen when you’re travelling thousands of miles away from home. Most people would agree that it’s better to be prepared for any eventuality.

Isn’t the Dominican Republic safe for tourists?

As you might imagine, tourism is a big part of the Dominican Republic’s economy, and the government has taken great strides in its effort to keep travellers safe. However, that is no reason to be complacent and forego the UK government’s travel advice of getting adequate travel insurance.

Like most developing countries, crimes like armed robbery, sexual assault, and homicide are still a problem in the Dominican Republic. For this reason, the UK government advises its citizens to remain vigilant and avoid displays of wealth while exploring the country (expensive bags, jewellery, luxury watches, etc.) Heed the advice of your tour guide and law enforcement officials when it comes to your safety. Be aware of your surroundings, especially when converting cash to the local currency.

Another factor that you would want to consider is the prevalence of natural disasters. Due to its geographic location, the Dominican Republic is vulnerable to storms, hurricanes, flash floods, and earthquakes. Tropical storms, in particular, are common throughout the year.

Keep a mobile phone handy at all times. If you fall ill or injured during your trip, you can call 911 to contact emergency services. If unavailable, you can also get in touch with the tourist police at +1-809-200-3500.

Healthcare for Brits in Dominican Republic

It’s a good idea for UK citizens to check with NaTHNaC (National Travel Health Network and Centre) at least 2 months before their trip to Dominican Republic.

They offer vaccine recommendations and the latest news on outbreaks and other health risks as well as factsheets that contain useful information for staying healthy during your travel.

Note that the government of Dominican Republic does not offer free medical care for Brits in Dominican Republic. This means that without travel insurance, you’ll have to pay for medicines, doctor and hospital fees out of pocket. And hospitals or medical centres may want to see proof of ability to pay upfront.

As you might imagine, these unforeseen expenses can be significant, which is why it’s important to ensure that you get sufficient travel insurance before you leave on your trip.

If you take prescription medication for an existing health condition, the NHS recommends that it’s also a good idea to get in touch with the embassy of Dominican Republic for assurance that you can safely bring those medicines with you inside the country.

You’d also want to make sure that you bring a note from your doctor verifying that you need the medicine to manage an existing health condition.

You can check the NHS website for advice on pertinent vaccinations and health checks for more information.

What About Pre-Existing Medical Conditions?

Standard Cover

Over 75/Serious Medical

As is usual with UK travel insurance, you need to disclose any pre-existing medical condition you have to your policy provider, unless you have been told specifically by your insurer that you do not need to declare that condition.

While this means that you may have to pay more to obtain travel insurance for Dominican Republic – although not all pre-existing conditions result in an increase in premium- , it’s better than falling ill during your travel (related to your pre-existing medical condition) and being denied coverage.

Insurance providers typically offer free screenings for thousands of medical conditions and provide ample coverage to offset the cost of repatriation and medical care while abroad.

While it’s unlikely that you’ll get injured or fall victim to a crime if you confine your activities to safer regions in the country, it’s best not to take any chances and obtain a suitable single or multi-trip travel insurance policy before your departure.

Make sure you disclose all pre-existing medical conditions that you are required to do so when applying for travel insurance for Dominican Republic. Doing so would help ensure that you don’t run into any problems should you need to file a claim.

The human body is an incredible work of evolution and as such there are plenty of things that can go wrong in both the short and long term.

For that reason it can often be difficult to understand what constitutes a medical condition that you have to declare to your travel insurance provider.

However, in general, the insurers’ questions will tend to follow the same general lines, such as:

Have/are you or anyone in your party:

  • taken any prescribed medication, or received any medical treatment in the last 2 years;
  • attended a medical practitioner’s surgery, or hospital or clinic (out-patient or in-patient) in the last two years;
  • awaiting medical treatment or investigation;
  • been diagnosed by a medical practitioner as suffering from a terminal illness.

All medical conditions you have must be disclosed as well as any previous medical conditions if they could have an impact on your current health.

So, while it is vitally important to declare what you need to declare, your policy provider will let you know if your pre-existing condition is not a factor for your trip cover.

For example, here at Emerald Life, we don’t require clients to disclose their HIV status for as long as they meet the following conditions:

  • They have been on antiviral treatment for no less than 3 months.
  • They have not been advised to switch to a different/new type of antiviral regimen.
  • If their CD4 count is above 350 or they have been advised by a doctor that CD4 monitoring is not necessary.
  • They have an undetectable viral load or less than 50ppm.

Note that non-declarable conditions can vary from one policy provider to another. It’s ultimately up to the insurance company to decide which pre-existing medical conditions are exempted from disclosure and set pertinent conditions for the exemption. However, Emerald leads the field on some of these.

What to Look For When Shopping for Dominican Republic Travel Insurance

At this point, you probably already have an idea of just how important it is to obtain Dominican Republic travel insurance before you travel to Dominican Republic (whether multiple or a single trip cover).

This begs the questions — what factors do you need to keep in mind before buying travel insurance?

Well, the answer doesn’t need to be all that complicated. After all, the purpose of travel insurance is to give you peace of mind while you enjoy the sights and wonders that Dominican Republic has to offer. For that, you can focus on a few essential factors:

Repatriation and Medical Cover

Standard Cover

Over 75/Serious Medical

The most important part of any travel insurance policy is emergency medical expenses cover. Typically ranging from £5 million to £10 million – the higher in our case – this covers your costs if you become ill or injured abroad and require medical treatment.

Medical expenses should include repatriation cover so that if your condition means you have to return to the UK urgently then there is cover for transporting you along with any necessary medical equipment and staff. Unsurprisingly, these costs can be staggering.

Before you leave for Dominican Republic, it’s important to ensure that your travel insurance policy offers enough coverage to pay for emergency medical services and repatriation back to the UK.

Here at Emerald Life, we provide coverage of up to £10,000,000 with our Dominican Republic travel insurance.

Travel Insurance Dominican Republic Cancellation and Curtailment Cover

Standard Cover

Silver - Up To £1000

Gold - Up To £3000

Platinum - Up To £7500

Over 75/Serious Medical

Silver - Not Covered

Gold - Up To £2000

Platinum - Up To £5000

If you are ill or injured before you travel then you may have to cancel your trip. Some policies will also cover you if a close relative is ill or injured, or your home is burgled, and you have to cancel as a result.

If you expect to make multiple trips to Dominican Republic in a given year, you can probably secure a better deal if you sign up for annual multi-trip travel insurance.

An annual policy will help you save time since you don’t have to reapply before every departure. More importantly, annual multi-trip insurance cost is bound to be cheaper than obtaining numerous single trip policies over the course of a year.

Dominican Republic Travel Insurance Luggage Cover

Luggage can get lost during transit, and if that happens, it’ll be a major inconvenience in your travel plans. That’s why you need travel insurance that will reimburse you for the trouble should it happen.

For luggage delays of more than 24 hours, Emerald Life offers baggage cover which serves as compensation for the inconvenience and covers the cost of essential replacement clothing and toiletries if your baggage is delayed on your outward journey, up to the amount specified

If the luggage is lost (missing for more than 21 days), you’ll be paid the amount stipulated in the luggage cover for the accidental loss, damage or theft of your baggage and personal effects, up to the amount specified.

Travel Insurance Excesses and Exclusions

Standard Cover

Silver - £100

Gold - £50

Platinum - £35

Over 75/Serious Medical

Silver - £500

Gold - £150

Platinum - £0

While it can be tempting when buying travel insurance to just look at the final price, it is important that you check any excesses you have to pay.

That is because some cheap policies will have very high excesses which means any claims could be very expensive despite having the insurance. Sometimes excesses are so high it might not even be worth claiming.

Therefore, make sure you buy a Dominican Republic travel insurance policy that balances a good price with reasonable excesses. Also, there may be other exclusions that reduce the premium precisely because payouts are limited. If you need travel insurance, then it is advisable to make sure that you have the best cover you can afford.

Most travel insurance policies will also include different excesses for different types of claims and you can find these in your policy documentation, but generally the medical excess is the most significant.

Do You Need Insurance to Travel to Dominican Republic?

It can be argued that the real question is — can you afford not to have Dominican Republic travel insurance when you leave for Dominican Republic?

Again, tourists have no free access to healthcare services when visiting the country, and private medical care can be costly.

Dominican Republic travel insurance should cover the cost of medical treatment if you fall ill or become injured during your travel.

While no one expects to get sick or become injured while holidaying in Dominican Republic, accidents can happen. If things go south, it’s always helpful to know that you have travel insurance to rely on.