Honduras Travel Insurance Plans

In this article:

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

Travel Insurance is not a requirement for entry to Honduras; however, the U.S. Department of State strongly recommends having a travel insurance plan that covers medical evacuation.  Many U.S. healthcare plans may not provide international coverage, so a travel insurance plan may be crucial when planning your out-of-country vacation. Other coverages which may include baggage coverage and trip interruption can also help ease the burden of certain unexpected events.

Our Preferred Plan is a great place to start when looking for coverage as it has a comprehensive suite of travel insurance coverages for your trip to Honduras. Coverages include trip delay, baggage coverage, travel inconvenience and more. Or, if you’re looking for the highest benefit limits, Travel Guard’s Deluxe Plan may be the option for you. Whichever plan you choose, 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 certain travel mishaps alone.

Travel insurance plans 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 Honduras 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 Honduras, please visit the official U.S. Embassy website for Honduras.

Honduras boasts Mayan ruins, beautiful beaches and vibrant culture. However, it is essential to be aware of safety concerns before you go. The country has high crime rates. While travelers are most likely to be targeted for pickpocketing, theft and scams, violent crime – including murder, armed robbery and carjacking – is a significant concern. Additionally, gang activity is widespread, and tourists can be caught in the crossfire. It is important to dress to blend in, maintain heightened awareness, avoid carrying valuables or large amounts of cash and keep cell phones in a secure location. Travel after dark, especially in major cities, should be avoided. If you are a victim in a robbery, do not resist to avoid escalating the situation. 

Short-term visitors are not typically impacted by kidnapping for ransom; however, travelers may be targeted in express kidnappings, in which victims are forced to withdraw cash from multiple ATMs before being released. It is best to use ATMs in secure locations such as banks and hotels to minimize the risks.  

There are also concerns associated with public transportation. Public buses have been ambushed by robbers, including along routes leading to and from airports, and should be avoided. Unlicensed taxi drivers have also been known to rob, assault or express kidnap tourists. Travelers should arrange taxis in advance through reputable vendors instead of hailing them on the street. Tourists have been attacked when traveling on roadways and ferry services. Staying on main roads and, if possible, traveling with a trusted local guide, is recommended. It is also important to avoid openly discussing itinerary and accommodation details, as criminals may use the information to follow travelers and target them.  

For exploring Mayan ruins, traveling to remote areas or taking part in more adventurous activities like diving, book in advance with reputable companies and only travel during daylight hours with doors locked and windows up. Authorities may request identification and proof of travel itineraries, so visitors should always carry copies of passports and other travel documents. 

In addition to crime concerns, protests and demonstrations can occur. Protests may lead to travel disruptions and sometimes turn violent. While demonstrations typically occur in larger cities, they do take place in other areas. Monitor local news and avoid large gatherings. 

Honduras is vulnerable to tropical storms, forest fires, flash flooding, landslides and earthquakes. Be aware of potential risks and have a response plan in place for natural disasters. Medical facilities, particularly outside major cities, may be limited. 

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 Honduras is the Honduran Lempira, though some tourist spots may take the U.S. Dollar. Try to exchange currency before your trip at a local bank or at the airport before or after departure. Credit and debit cards are widely accepted, though small vendors may only accept cash, so it’s best to keep a small amount on your person. Remember to contact your bank before your travels to help ensure you have access to your money on vacation.

The official language of Honduras is Spanish, though English speakers may be found in tourist locations. For best practice, learn common phrases and sayings before your trip and download a translator app to use without Wi-Fi.

U.S. tourists visiting for less than 90 days do not need a visa to visit Honduras; however, a passport with three months of validity and a blank page are required for entry.

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

Honduras has an overall tropical climate with average high temperatures around 90˚F and low temperature averages around 68˚F. December to February tend to have the lowest temperatures with March to May having the highest. The dry season lasts from November to April while the rainy season tends to be from May to October.

The most popular time to visit Honduras is from December to the end of March as this is the country’s dry season and temperatures are not too high. If you’re looking for fewer crowds May and November are a great time to visit. Because it’s the slower season travelers can get better prices, enjoy the weather and avoid excessive crowds. September and October tend to be the cheapest time to fly to Honduras, though this is during the rainy season in Honduras.

The dial code for Honduras is +504 when calling from the U.S. first dial the U.S. exit code of +011 followed by the dial code, area code and seven-digit number of your contact. When placing a call from Honduras, use the exit code of +00 then the U.S. dial code of +1 followed by the 10-digit number of the person you’re trying to reach. Be sure to inform your phone company of your travels to help avoid service interruptions.

Honduras uses a similar voltage type as the U.S., but an adaptor is still needed to connect to the outlets. We recommend a universal adaptor that can be used during future travels.

Honduras is a great destination for families as it has plenty of activities and resorts geared towards families. Your whole family will enjoy the trip learning about the history, culture and wildlife in Honduras.

LBGTQ+ travelers visiting Honduras may face discrimination on their vacation. Before booking your vacation, review our safety tips for LGBTQ+ travelers.

Vaccinations are not required for travelers visiting Honduras unless traveling to or from Panama and South America, then you are required to have a yellow fever vaccine. Visit the U.S. Department of State website for the most update-to-date information on entry and exit requirements.

Travel Guard offers comprehensive and customizable travel insurance plans for travelers visiting Honduras. 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!