Do I Need Travel Insurance For Puerto Rico

While not mandatory, it’s highly recommended to get travel insurance for Puerto Rico due to various potential issues like illness, injury, baggage problems, weather, and delays.

This is especially important given the region’s susceptibility to hurricanes and earthquakes.

To maximize coverage, it’s advisable to purchase a plan shortly after making the initial trip payment, as certain options like trip cancellation and cancel for any reason (CFAR) have time-sensitive requirements.

Does Domestic Health Insurance or Medicare Cover Puerto Rico Travel?

Some domestic health insurance plans may provide limited coverage in Puerto Rico due to its U.S. territorial status, but this varies by policy.

Medicare plans cover common healthcare needs but not medical evacuations for serious injuries or illnesses.

Travel insurance for Puerto Rico
Travel insurance for Puerto Rico: Photo source (Travel Guard)

Hence, many travelers opt for travel health plans.

Apart from health concerns, both U.S. and non-U.S. citizens should consider purchasing a plan when traveling to Puerto Rico.

Flights and cruises to the island can experience unexpected delays or issues like baggage problems, mechanical failures, or bad weather, which comprehensive travel insurance plans often cover.

Depending on the provider and plan specifics, a comprehensive plan can address various concerns.

How Much is Travel Insurance for Puerto Rico?

Wondering about the cost of travel insurance for Puerto Rico? It’s a common question.

The price depends on factors like the number of travelers, their ages, trip duration, and coverage type. Generally, lower risk leads to lower premiums.

A one-week trip is cheaper to insure than a month-long one. Older travelers, especially with medical issues, may pay more.

Insuring the trip cost can also affect the final price.

Do I Need a Passport for Puerto Rico?

No, passports are not required for U.S. citizens when traveling to Puerto Rico since it is a territory of the United States.

However, U.S. citizens will still need to provide an accepted form of government-approved identification upon entry.

Americans traveling to Puerto Rico should keep in mind that in late 2020 Real ID will be required, even for domestic flights.

Non-U.S. citizens and non-permanent U.S. residents will need a valid passport with more than six months until its expiration at the time of entering Puerto Rico.

Do I Need a Visa for Puerto Rico?

For U.S. citizens and residents, no visas are needed for Puerto Rico trips under 90 days for transit, sightseeing, or business.

Other country citizens follow the same visa rules as entering the U.S.

Visa processing takes time and requirements may change, so non-U.S. travelers should check with their local consulate or embassy well before their trip for the latest info.

Travel Tips & Safety for Puerto Rico

Money & Currency Exchange

In Puerto Rico, the currency is the United States Dollar (USD), often locally referred to as “peso” or “dolar,” not to be confused with Mexico’s currency.

It breaks down into 100 cents, known as “centavos” or “chavitos.” Nickels (5 cents) are called “ficha” or “vellons,” and quarters (25 cents) are referred to as “pesetas.”

While some places may accept Canadian dollars (CAD), it’s recommended for Canadian travelers to exchange CAD for USD, as most places prefer USD.

Currency exchange is possible at airports and banks, and ATMs are available for withdrawals, but check for associated fees.

Keep in mind that hotels in Puerto Rico typically charge additional taxes on rooms: 9% for hotels, 11% for specialty casino hotels, and 7% for inns.

Budget for these taxes when planning your trip.

Tipping is customary, usually around 15% of the bill. It’s wise to have some cash in USD for this purpose.


Puerto Rico’s transportation options are diverse. Travelers typically use taxis or públicos (private shuttles) from the airport or cruise ships to reach their accommodations.

Taxis are quicker but cost more, while públicos are cheaper but may take longer.

Public buses, known as guaguas, offer budget-friendly transport. Renting a car is pricier but provides comfort and independence.

Ensure your trip protection plan covers rental cars for accidents or theft.

Other options include trains, ferries, and charter planes. The Tren Urbano in San Juan and tourist train tours serve as trains.

Ferries connect various ports, offering sea views, but car-carrying ferries can be less reliable.

For an aerial perspective, charter planes from local airlines like Air Flemenco, Cape Air, and Vieques Air Link are available.


Puerto Rico’s culture is rich due to its history. It’s a mix of Spanish conquistadors, Taíno natives, and African groups, with strong U.S. influences.

This fusion defines art, music, traditions, and cuisine.

Puerto Ricans are known for their warm hospitality, vibrant art, tasty food, and lively music and dance.

To experience the culture, explore historical sites, savor cocina criolla dishes, dance at clubs, and mingle with locals.

Speaking the Language

Puerto Rico’s official languages are Spanish and English, but Spanish is overwhelmingly dominant, used for education, business, and daily life.

Even though a century-old law mandates English, it’s the primary language for less than 10% of the population.

Puerto Rican Spanish has its unique characteristics, incorporating Taíno, English, and West African influences.

If you’re learning Spanish for a trip to Puerto Rico, be aware of these nuances.

Risk & Crime

Puerto Rico is generally safe, but some areas have higher crime rates, with theft being the main concern, including pickpocketing and carjacking.

Stay vigilant in tourist spots and public transport, avoid carrying too much cash, and use precautions like money belts.

Travel scams, like overcharging by taxi drivers and credit card skimming, can happen in cities, but most travelers don’t encounter these issues.

Nature can also pose risks; pay attention to beach warning signs for rip currents and wildlife activity. While wildlife encounters are rare, awareness reduces the risk.

The strong sun near the equator necessitates high SPF sunscreen and hydration.

Being in the Caribbean, Puerto Rico can experience hurricanes, earthquakes, volcanic eruptions, tsunamis, and floods, though they are infrequent.

Plan accordingly by securing appropriate trip coverage.

Popular Destinations in Puerto Rico

Puerto Rico boasts mountains, coastal areas, and a diverse range of activities, including hiking, sailing, and beach outings.

Its rich culture and history draw history enthusiasts, music lovers, and art aficionados.

Your ideal Puerto Rico trip will depend on your preferences, so plan accordingly.

To help you make the most of your visit, we’ve created a list of top tourist attractions and destinations on the island.

Remember to factor in travel time and plan ahead, as it’s challenging to experience everything in one trip.

Leave a Comment