Medical Coverage
Food-related illness is the #1 reason travelers need medical care in Punta Cana. While most cases are mild, severe food poisoning can require hospitalization. Dominican medical facilities may not accept your US health insurance.
Real Cost Example: Emergency room visit for food poisoning in Punta Cana: $500-2,000. Hospitalization: $3,000-10,000. Medical evacuation to US: $25,000-50,000.
Trip Protection
Trip cancellation coverage protects your investment. If you or a family member gets sick before departure, or if you need to cut your trip short due to illness, insurance reimburses non-refundable costs.
Real Scenario: Family of 4 books $6,000 all-inclusive vacation. Child gets sick 2 days before departure. Without insurance: Lose $6,000. With insurance: Full reimbursement.
What Travel Insurance Covers for Punta Cana
Medical treatment, hospitalization, prescriptions
Illness, injury, family emergencies
Early return home due to emergencies
Emergency transport to US hospitals
Lost luggage, delayed bags
Emergency hotline, medical referrals
💡 Pro Tip: Read the policy exclusions carefully. Some adventure activities like zip-lining or scuba diving may require additional coverage.
Recommended Travel Insurance Providers
Coverage Limits
Key Features
- ✓24/7 emergency assistance
- ✓Food poisoning and illness covered
- ✓COVID-19 coverage available
- ✓Cancel for any reason option
- ✓Excellent customer service
Coverage Limits
Key Features
- ✓Covers adventure activities (zip-lining, scuba)
- ✓Can buy after departure
- ✓Extend coverage while traveling
- ✓Food-related illness included
- ✓Popular with adventure travelers
Coverage Limits
Key Features
- ✓Trusted global brand
- ✓Strong trip cancellation coverage
- ✓Rental car damage coverage
- ✓24/7 hotline support
- ✓Good for senior travelers
Best Time to Buy
- Within 14-21 days of initial deposit to get pre-existing condition coverage
- Before final payment to maximize trip cancellation benefits
- At least 24 hours before departure (minimum requirement for most policies)
What to Consider
- • Trip cost: Higher trip cost = higher insurance premium
- • Age: Travelers 65+ pay higher premiums
- • Activities: Adventure activities may need extra coverage
- • Destination: Medical costs in Dominican Republic
- • Trip length: Longer trips = higher premiums
Recommended Coverage Amounts for Punta Cana
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