Bermuda Travel Insurance

In this article:

• Travel Insurance Plans for Bermuda
• Bermuda Travel Tips and Safety Information
• Other Bermuda FAQs

A travel insurance plan is not a requirement for entry to Bermuda; however, it is recommended to have a travel insurance plan with medical expense coverage as your U.S. healthcare plan may not provide coverage overseas. The Government of Bermuda explicitly states that travelers without health insurance will be responsible for all costs associated with any care they receive1. Additionally, a travel insurance plan provides a variety of other coverages, which may include Baggage Delay, Trip Interruption, Trip Cancellation and more to help protect your travel investment.

Our Preferred Plan is a great place to start for travelers to Bermuda since it offers comprehensive travel insurance coverages including Travel Medical Expense, Trip Cancellation and Interruption, Trip Delay, Baggage Coverage and more. You can customize your travel insurance plan with Travel Guard’s optional add-ons which may include the Adventure Sports Bundle that provides certain coverage against losses for Adventure and Extreme Activities that otherwise may not be covered by your base plan – a good idea with so many fun water sports in Bermuda! Finally, all of our travel insurance plans come with access to Travel Guard’s 24-hour emergency travel assistance so you’re not left to deal with travel mishaps alone.

A travel insurance plan is usually priced between 5-7% of the total cost of your trip. Several factors come into play when it comes to pricing your plan, which may include the product you choose and the number of travelers in your party. For more details on pricing, check out our article on how much travel insurance costs.

To help ensure travelers to Bermuda are as safe and informed as possible, Travel Guard has compiled some popular questions asked by tourists visiting the country.

For the latest information related to COVID-19 travel requirements for Bermuda, please visit the official U.S. Embassy website for Bermuda.

Bermuda is a British overseas island with beautiful beaches, historic sites and no shortage of outdoor activities. It is also a fairly low-risk destination, though visitors should be mindful of some security and safety concerns.  

Petty crimes such as pickpocketing, theft of unattended items, hotel break-ins, theft from motorbikes, vehicle break-ins and tourist scams are an issue. Petty criminals are especially active in crowded tourist areas and on public transportation. Travelers should keep a close eye on their belongings and avoid carrying valuables or large amounts of cash. It is also advisable to keep money, credit cards and important travel documents in a hotel safe. More serious crimes, such as muggings, assaults and incidents associated with gang activity, also occur in Bermuda. Visitors should avoid isolated areas and should exercise caution after dark, particularly in areas around bars and nightlife venues. 

Road safety is another important consideration in Bermuda. Tourists are not allowed to rent or drive cars, so non-residents are limited to buses, ferries, taxis or rental scooters. If renting scooters, it is very important to always wear helmets and exercise caution, especially if you are not accustomed to driving on the left-hand side of the road. The island has narrow and winding roads, and accidents involving motorbikes are common.  

For outdoor adventures, it is best to book activities through reputable tour providers in advance of travel. For activities such as snorkeling and diving, visitors should be cautious of strong currents and rip tides. Always swim in designated areas and heed local warnings.  

In terms of natural disasters, Bermuda is prone to hurricanes. Travelers should stay informed about weather conditions and follow any directives issued by local authorities in the event of a hurricane or tropical storm. 

All U.S. travelers should consider enrollment in the Smart Traveler Enrollment Program (STEP), a free service offered to U.S. citizens traveling and living abroad. Enrolling in this program allows you to receive important information from the embassy as well as helps the embassy contact you in an emergency. 

The official currency of Bermuda is the Bermudan dollar. Though the U.S. dollar isn’t an official currency of Bermuda, it is often used interchangeably with the Bermudan dollar, though any change from a purchase is likely to be in Bermudan dollars. If you find you need Bermudan dollars on your travels, you can exchange currency at an airport exchange kiosk or an ATM in Bermuda. Credit and debit cards are widely accepted, just be sure to let your bank know of your travel plans to help avoid losing access to your finances.

The official language of Bermuda is English, which means English-speaking travelers from the U.S. should easily be able to navigate signage throughout the country and communicate easily with locals.

Travelers do not need a visa for entry to Bermuda, though a valid passport with one blank page is required.

The U.S. Embassy in Bermuda is located in Devonshire. Visit the official U.S. Embassy government website for a list of up-to-date phone numbers and addresses.

Bermuda has a subtropical climate with hot summers lasting from June to September and mild winters from November to March. Rainfall is common throughout the year, though October tends to be the wettest month while April and May tend to have the least rain.

The most popular time to visit Bermuda is from May to September when temperatures are high, and rainfall is low. Bermuda’s shoulder season, March to April, can offer better deals and fewer crowds while still giving tourists beautiful weather to enjoy. For the best prices, consider visiting in the off season, November to February, where temperatures are mild, and crowds are low.

Bermuda is a part of North America and uses the same dial and exit code as the U.S., meaning you can use +1 followed by the area code and seven-digit number you’re trying to reach when calling from home. There is also no need to use an exit code when calling back home from Bermuda.

Bermuda uses the same voltage and outlet type as the U.S., so you will not need to bring a power transformer or adaptor on your trip and can use and charge devices as normal.

There are currently no vaccination requirements for entering Bermuda. However, the CDC does list vaccinations which are recommended. Always consult with your doctor before traveling.

Travelers can rent an environmentally friendly mini electric car while on vacation in Bermuda or if driving on vacation isn’t an option, consider booking a taxi or ferry ride to your desired location.

Travel Guard offers comprehensive and customizable travel insurance plans for travelers visiting Bermuda. With excellent coverage and specialized emergency travel assistance representatives ready to help you at any time, Travel Guard is there for you. Compare our popular plans and find the best one for you!

Source:
1: https://www.gov.bm/travellers%E2%80%99-health