St. Maarten Travel Insurance: Plans & Prices
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Reviewed By Last updated: 04/01/2026
Key Takeaways
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Based on Squaremouth policy sales in the last 12 months, the best St. Maarten travel insurance plans are offered by IMG, Tin Leg, and Travel Insured International..
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Travelers generally spend around $250 on travel insurance when visiting Saint Martin. Premiums are primarily driven by risk factors such as age, trip length, and trip cost.
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Saint Martin faces dangers from high-intensity winds, severe storms, potential flooding, and storm surges during hurricane season, which lasts from June through November.
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Saint Martin is one of the most popular and busiest cruise ports in the Caribbean, and cruise passengers are strongly encouraged to prioritize travel insurance plans that include strong Medical Evacuation coverage and cruise-specific benefits.
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Despite being a generally safe destination, tourists should beware of pickpocketing, theft from rental vehicles, and scams when visiting Saint Martin on vacation.
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Try our online travel insurance comparison tool to get multiple St. Maarten travel insurance quotes at once. For personal assistance, call our award-winning agents at 1-800-240-0369.
Squaremouth’s St. Maarten Travel Insurance Recommendations
Over the last 12 months, the top three travel insurance plans purchased by travelers with upcoming trips to St. Maarten on Squaremouth were:
Although the country has waived its requirements, travel insurance is still advisable for foreign visitors traveling to St. Maarten. Squaremouth recommends at least $50,000 in Emergency Medical coverage for international travelers. Squaremouth also recommends travelers search for a travel insurance policy with at least $100,000 in Medical Evacuation coverage. Medical Evacuation can cover the cost of an evacuation to the nearest hospital in the event of an emergency.
In addition to these required benefits, Squaremouth recommends a comprehensive travel insurance policy that includes other benefits for the most common travel insurance concerns. Primarily, this includes Trip Cancellation coverage and Medical Evacuation coverage.
Many travelers visiting St. Maarten have high trip costs and want to protect themselves in the event they can’t travel. For these travelers, we recommend a comprehensive policy with Trip Cancellation. The Trip Cancellation benefit can reimburse 100% of a traveler’s prepaid and non-refundable trip costs, such as airfare, hotels, and cruises, if they need to cancel for a covered reason.
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More Details on the Best Travel Insurance for St. Maarten
Best Cruise Insurance Policy
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
The top-selling travel insurance plan among cruisers traveling to St. Maarten, accounting for more than 17% of all policy sales for the destination
Features up to $500,000 in Medical Evacuation coverage, which can cover the cost to transport you from your cruise ship to the nearest medical facility in the event of a serious medical emergency
Includes coverage for missed cruise departures and generous protection against weather-related disruptions such as hurricanes and tropical storms
Best Coverage for Medical Emergencies
Medical / Med Evac Coverage
$500,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Comes standard with $500,000 in Emergency Medical coverage, which can reimburse you for hospital stays, doctor visits, and other unexpected medical costs if you get sick or injured while in St. Maarten
Provides coverage for pre-existing medical conditions if you purchase your coverage within 14 days of your initial trip deposit
Covers a wide range of high-risk adventure activities, including popular St. Maarten watersports like catamaran sailing, snorkeling, deep sea fishing, and jet skiing
Top Option for Families
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Provides free travel protection to children under the age of 18, providing significant cost savings to families visiting St. Maarten with young kids
Includes $1,000 in Baggage Loss protection per traveler, which can provide reimbursement if your personal belongings are lost, stolen, or damaged while exploring St. Maarten
Offers the option to add Rental Car Damage protection to your policy at checkout, which can cover damage or theft of your rental vehicle while traveling throughout the island
St. Maarten Travel Insurance Trends and Data
St. Maarten has become a more popular destination for tourists amid the pandemic, becoming one of the most commonly visited destinations, according to Squaremouth sales data.
Destination Rank: 73
Percentage of Squaremouth Sales: 0.21%
Average Premium: $259.45
Average Trip Cost: $3,632.80
Squaremouth Analytics compares thousands of travel insurance policies purchased over the last two years to identify changes and trends in the travel insurance industry.