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AXA, AIG Travel Guard, Allianz Travel, and IMG are the top 4 travel insurance providers that cover a trip to Puerto Rico. The best plan offered by each are as follows: Silver from AXA, Preferred Plan from Travel Guard, OneTrip Prime from Allianz, and iTravelInsured Choice from IMG.
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Are you heading out on a trip to Puerto Rico in the near future but aren’t sure which insurance provider you should trust? Need help picking the best insurance plan for your global travels?
This article by Pacific Prime was written for you! In it, we will show detailed comparisons of 4 of the best travel insurance plans on the market for a Puerto Rico trip!
We’ll mention the various plans offered by each leading provider, contrast the benefits of their most popular plan, and teach you how a broker can save you time and money on your coverage.
It may also be helpful for you to better understand how the healthcare system works in Puerto Rico and to read our core article introducing The 5 Best Travel Insurance Companies before you choose.
The Best Puerto Rico Travel Insurance
The best Puerto Rico travel insurance providers are AXA, AIG Travel Guard, Allianz Travel, IMG, World Nomads, SafetyWing, Seven Corners, and Trawick International. Each offers a variety of comprehensive policies and are experienced, well-known insurance providers.
We’ve chosen to take only one plan from each of the top 4 providers to compare for the purposes of this article. Each provider offers numerous plans, though, with varying tiers of coverage that you can also consider selecting as your Puerto Rico travel insurance plan.
To compare the plans below, we will use a scenario of a thirty year old female traveling to Puerto Rico for 10 days in July. Her estimated trip cost total is $2,000. All monetary values are in US dollars (USD).
AXA – Travel Protection Silver Plan
AXA’s Silver Travel Protection plan is a single trip insurance plan featuring trip and mishap coverage. Benefits include trip cancellation and interruption, emergency medical benefits, baggage loss and delay, and more. A 10 day trip to Puerto Rico for a 30 year old woman can cost $69.
AXA also provides Gold and Platinum travel insurance plans with increased coverage and benefits. AXA’s Platinum plan, their most popular and comprehensive policy, includes adventure sports coverage.
AXA has more than 55 years experience as a leading global insurance company in the industry. They are well known for their comprehensive long-term health insurance plans for expats and global citizens. They also offer short-term health insurance plans less than a year for travelers and businesses.
| AXA – Silver Plan Travel Protection Benefits | |
| Benefit Description | Covered by Plan |
| Trip Mishap Benefits | |
| Plan Cost for a 10 Day Trip | $69.00 |
| Lost Baggage | $750 |
| Baggage Delay | $200 |
| Sporting Equipment Rental | $0 |
| Missed Connection | $500 |
| Trip Interruption | 100% of Trip Cost |
| Trip Cancellation | 100% of Trip Cost |
| Travel Delay | $100/day ($500 max) |
| 24/7 Global Hotline and Support | Included |
| Concierge Services | Included |
| Identity Theft Services | Included |
| Medical Benefits | |
| Medical Emergency Plan Maximum | $25,000 |
| Dental Care Due to Emergency | $5,000 |
| Emergency Medical Evacuation | $100,000 |
| Repatriation of Remains | $100,000 |
| Accidental Death & Dismemberment | $10,000 |
| Hospital Companion | $10,000 |
| Pre-Existing Conditions Coverage | Available |
Get a quote for this travel insurance plan online or by contacting our insurance experts.
AIG Travel Guard – Preferred Plan
Travel Guard’s Preferred Plan is a travel mishap coverage plan for a single trip. This is a great option for vacation and families who need comprehensive travel coverage with a variety of add-ons and less medical protection. A 10 day trip to Puerto Rico for a 30 year old woman can cost $132.67.
Optional add-ons include:
- Cancel for any reason
- Adventure sports bundle
- Name your family bundle
- Medical bundle
- Inconvenience bundle
- Baggage bundle
- Pet bundle
- Security bundle
- Rental car damage coverage
- Wedding bundle
- Quarantine bundle
Travel Guard also offers in this core travel insurance series the Essential plan (for less coverage) and the Deluxe plan (for more coverage). If you have a spontaneous trip, you may want the Pack N’ Go plan, and if you plan to travel multiple times this year, the Annual plan is your go-to choice.
Travel Guard is the travel insurance subsidiary of American International Group (AIG).
| AIG Travel Guard – Preferred Plan Benefits | |
| Benefit Description | Covered by Plan |
| Trip Mishap Benefits | |
| Plan Cost for a 10 Day Trip | $132.67 |
| Lost Baggage | $1,000 |
| Baggage Delay | $300 |
| Missed Connection | $1,000 |
| Trip Interruption | 150% of Trip Cost |
| Trip Interruption – Return Transportation Only | $750 |
| Trip Cancellation | 100% of Trip Cost |
| Travel Delay | $200/day ($800 max) |
| Trip Exchange | Up to 50% Trip Cost |
| Trip Saver | $2,500 |
| Travel Inconvenience Benefits | $750 |
| 24/7 Global Hotline and Support | Included |
| Concierge Services | Included |
| Identity Theft Services | Included |
| Medical Benefits | |
| Medical Emergency Plan Maximum | $50,000 |
| Dental Care Due to Emergency | $500 |
| Emergency Medical Evacuation | $500,000 |
| Repatriation of Remains | $500,000 |
| Accidental Death & Dismemberment | $30,000 |
| Ancillary Evacuation | $5,000 |
| Pre-Existing Conditions Coverage | Available |
Get a quote for this travel insurance plan online or by contacting our insurance experts.
Allianz Travel – OneTrip Prime
Allianz Travel’s OneTrip Prime is a single trip travel insurance plan focused on covering trip expenses, such as trip cancellations, interruptions, and delays, lost or delayed baggage, trip change protector, and more. A 10 day trip to Puerto Rico for a 30 year old female can cost around $113.
As the most preferred plan by Allianz travelers, OneTrip Prime offers intermediate coverage with both a more basic and a more comprehensive plan available. Allianz also offers an Emergency Medical plan and Cancellation Plus plan, not to mention 4 multi-trip plans.
| Allianz Travel – OneTrip Prime Plan Benefits | |
| Benefit Description | Covered by Plan |
| Trip Mishap Benefits | |
| Plan Cost for a 10 Day Trip | $113 |
| Lost Baggage | $1,000 |
| Baggage Delay | $300 |
| Trip Interruption | $3,750 |
| Trip Cancellation | $2,500 |
| Trip Change Protector | $500 |
| Travel Delay | $800 |
| Concierge | Included |
| 24/7 Global Hotline and Support | Included |
| Cancel Anytime | Optional Upgrade |
| OneTrip Rental Car Protector | Optional Upgrade |
| Medical Benefits | |
| Medical Emergency Plan Maximum | $50,000 |
| Emergency Medical Evacuation | $500,000 |
| Epidemic Coverage | Included |
| Dental Care Due to Emergency | $750 |
Get a quote for this travel insurance plan online or by contacting our insurance experts.
IMG – iTravelInsured Choice
IMG’s iTravelInsured Choice is a single trip mishap travel insurance plan ideal for individuals, families, and couples seeking benefits such as trip cancellation, interruption, delay, lost baggage, and emergency care. A 10 day trip to Puerto Rico for a 30 year old American woman can cost $67.01.
iTravelInsured Choice is IMG’s most popular plan, but the iTravelInsured series also has a Lite plan (which has less coverage than Choice) and the SE and LX (which have more comprehensive coverage). The iTravelInsured Sport option is designed for adventures in mind.
IMG’s Patriot Lite, Patriot Plus, and Patriot Platinum plans are travel medical insurance plans designed specifically for coverage within the USA.
| IMG – iTravelInsured Choice Plan Benefits | |
| Benefit Description | Covered by Plan |
| Trip Mishap Benefits | |
| Plan Cost for a 10 Day Trip | $67.01 |
| Lost Baggage | $1,000 |
| Baggage Delay | $300 |
| Sporting Equipment Rental | $250 |
| Missed Connection | $500 |
| Trip Interruption | 150% of Trip Cost |
| Trip Cancellation | 100% of Trip Cost |
| Travel Delay | $150/day ($1,000 max/person) |
| 24/7 Global Hotline and Support | Included |
| Medical Benefits | |
| Medical Emergency Plan Maximum | $100,000 |
| Dental Care Due to Emergency | $750 |
| Emergency Medical Evacuation | $500,000 |
| Repatriation of Remains | $500,000 |
| Accidental Death & Dismemberment | $10,000 |
| Political or Personal Security Evacuation | $100,000 |
| Natural Disaster Evacuation | $100,000 |
| Emergency Prescription Replacement | Covered |
| Pre-Existing Conditions Coverage | Available |
Get a quote for this travel insurance plan online or by contacting our insurance experts.
Types of Travel Insurance Plans: Explained for Travelers
There are four types of travel insurance plans, and they are subdivided into two categories: the core benefits the plan offers and how many trips the plan covers. Plans either focus on benefits related to common mishaps or travel medical, and plans either cover a single trip or multiple trips.
This article thus far has only shown plans that offer common mishap coverage for the expenses of a trip (this is the traditional definition of “travel insurance”) and plans that cover only a single trip. It’s possible this type of plan isn’t the best fit for your Puerto Rico trip, so let’s explain all your options.
The following types can be mixed and matched between their subcategories. For example, you can have a travel medical multi-trip plan or a trip expenses multi-trip plan.
Benefits Focus:
1. Trip Expenses / Mishap Coverage: These plans cover non-refundable trip expenses, such as flights, hotel bookings, and tour packages in case of unexpected cancellations, interruptions, or delays. Medical coverage typically stops at emergency care coverage.
2. Travel Medical: This type of plan provides far more comprehensive international medical insurance than simply emergency medical care. Benefits often include doctor visits, hospitalization, emergency evacuations, preventative care, and outpatient benefits.
We haven’t included any travel medical plans in this article, but you can compare some here from GeoBlue, IMG, and VUMI.
Coverage Length:
3. Single Trip: Single trip travel insurance is a one-time travel insurance plan designed to cover a specific trip. It is ideal for occasional travelers who do not travel frequently throughout the year. Typically plans must be less than 1 year.
4. Multi-Trip / Annual Plan: This plan is designed for frequent travelers who take multiple trips within a year. Instead of purchasing a new policy for each trip, an annual or multi-trip travel insurance plan provides coverage for all trips taken within a 12-month period.
You can read here to get tips on picking the right annual travel insurance plan if a single trip plan is not right for you.
Benefits of Using a Broker: Puerto Rico Travel Insurance
Brokers can save travelers time and money by aiding in the research and comparison process and by using their market knowledge to find you the best deals available. Travelers heading to Puerto Rico should purchase their insurance plans through a broker instead of directly from the insurance company.
Here are some benefits travelers get from using an insurance broker:
- You get access to more insurance choices.
- You get experienced insurance experts researching your situation for you.
- You get access to the most cost-effective plans available.
- You get assistance when submitting claims for reimbursement.
- You get expert advice designed to help you find the right plan for you, not to be led to the plan an insurance agent wants you to choose.
There are many more benefits to using a broker, and Pacific Prime is your broker of choice. Let us help you find the right Puerto Rico travel insurance plan for your budget and needs. Contact us to learn more!
Frequently Asked Questions
Do I need travel insurance for Puerto Rico?
Since Puerto Rico is a U.S. territory, U.S. travelers don’t need international travel insurance. However, it’s still wise to get coverage for trip cancellations, medical emergencies, lost baggage, or travel delays, especially if your health insurance doesn’t cover out-of-state emergencies.
What is the best travel insurance for Puerto Rico?
Top providers for travel insurance to Puerto Rico include Allianz, AXA, AIG Travel Guard, and IMG. The best plan depends on your needs—choose Allianz or Travel Guard for trip protection, IMG for the lowest premium cost, and AXA for adventure sports coverage.
How much does travel insurance for Puerto Rico cost?
Costs for travel insurance to Puerto Rico vary based on coverage, age, and trip length. A basic plan can start at $30-$50 for a week, while comprehensive plans with high medical and trip cancellation benefits range from $80-$150. Adding coverage for rental cars or adventure sports may increase cost.
What does travel insurance for Puerto Rico cover?
Puerto Rico travel insurance typically covers medical emergencies, trip cancellations, lost luggage, travel delays, and emergency evacuation. Some plans offer rental car coverage and adventure sports protection. Always check the policy details for exclusions, especially for extreme activities.
Does my U.S. health insurance cover me in Puerto Rico?
Most U.S. health insurance plans, including Medicare, cover emergencies in Puerto Rico. However, out-of-network costs may apply. Travel insurance can help cover deductibles, emergency evacuations, and trip-related issues that health insurance won’t cover.
Conclusion
This article has reviewed four of the best travel insurance plans and providers for travelers heading to Puerto Rico. We’ve shown tables with detailed plan benefits and mentioned other plans offered by the same top providers.
If you’re ready to begin comparing travel insurance quotes, we recommend contacting one of our insurance brokers.
If you’re not set on traveling to Puerto Rico or want to tour other countries, read our articles The Best Travel Insurance for the Dominican Republic and Complete Guide to Travel Insurance for Mexico.
Puerto Rico travelers may also want to read these articles:
- Top 10 Short-Term Health Insurance Plans
- Top 10 International Health Insurance Providers
- Staying Healthy While Traveling in Mexico: Essential Tips
- The 14 Most Common Diseases to Watch Out for When Traveling
- How to Compare Travel Insurance Plans Effectively
- Travel Insurance for Seniors
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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