Belize Travel Insurance: Plans & Prices
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Reviewed By Last updated: 02/10/2026
Key Takeaways
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In the last 12 months on Squaremouth, the top three travel insurance plans purchased by travelers with upcoming trips to Belize are offered by: Tin Leg, Travel Insured International, and IMG.
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U.S. travel insurance is not accepted throughout Belize, which is why many travelers prioritize plans that include strong travel medical coverage.
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Try our online travel insurance comparison tool to get quotes from multiple providers at once. For personal assistance, call our award-winning agents at 1-800-240-0369.
Squaremouth’s Belize Travel Insurance Recommendations
Over the last 12 months, the top three travel insurance plans purchased by travelers with upcoming trips to Belize on Squaremouth were:
Belize Cancellation Coverage
In 2026, the average Belize vacation cost travelers roughly $4,200. If a traveler needs to cancel their trip, they may stand to lose thousands of dollars if their trip is not protected by insurance.
Trip Cancellation coverage can reimburse travelers up to 100% of their nonrefundable trip costs if they need to cancel their plans for a covered reason. This can include prepaid flight, hotel, and activity expenses. The most common covered cancellation reason is injury or illness. Inclement weather and natural disasters can also be covered by this benefit, which can be common travel issues during certain months in Belize.
Most policies that include Trip Cancellation coverage also include the Trip Interruption benefit, which can reimburse travelers if they need to end their Belize trip early for a covered reason. Under this benefit, travelers may be eligible for reimbursement for their unused trip costs, as well as additional transportation expenses needed to return home.
Belize Travel Medical Insurance
Illness or injury can happen at any time during your trip. If you’re planning a trip to Belize, it’s highly recommended that you have travel medical insurance to cover any unexpected medical expenses that may arise during your trip. Travel medical insurance can be bought separately or as part of a comprehensive policy.
The main component of travel medical coverage is Emergency Medical, which can reimburse the costs to treat a medical emergency during a trip. Most medical policies will cover ambulance services, hospital and doctor bills, emergency dental services, and X-rays or lab costs. For travel to Belize, Squaremouth recommends a policy with at least $50,000 in Emergency Medical coverage.
The Medical Evacuation benefit can provide coverage for transportation to the nearest adequate medical facility in the event of a medical emergency. Belize has limited medical facilities, and serious medical emergencies may require evacuation to a neighboring country for treatment. For that reason, we recommend at least $100,000 in Medical Evacuation coverage for Belize trips.
Delay & Luggage Coverage in Belize
Most comprehensive policies also offer additional benefits that address common traveler concerns heading into a Belize vacation, such as delay coverage and luggage protection.
A policy’s Travel Delay benefit can reimburse travelers for expenses incurred throughout the duration of their delay, including meal and accommodation costs. For travelers taking multiple flights to reach Belize, the Missed Connection benefit can offer coverage for travelers who miss a connecting flight and need to make new travel arrangements.
In regards to luggage coverage, most policies include coverage if bags are delayed, lost, stolen, or damaged. The Baggage Delay benefit can cover the cost of necessities, such as toiletries and clothes, while a traveler waits for their bags. The Baggage & Personal Items Loss benefit may reimburse travelers if their luggage or belongings are lost, stolen, or damaged at any point during their trip.
Belize Sports and Adventure Coverage
Belize is renowned for its diving and snorkeling opportunities, thanks to the presence of the world’s second-largest barrier reef, which features the notable Great Blue Hole. In addition, Belize is also home to famous hiking, caving, and rappelling sites. It’s important to note that these excursions may not be covered by most travel insurance policies.
If you’re participating in the many adventurous activities Belize has to offer, it’s recommended that you get a policy that includes coverage for Sports & Activities. This benefit is designed to cover travelers who are participating in sports or adventurous activities, which may otherwise be excluded.
Those traveling with their own adventure gear or sports equipment can also receive coverage under a policy’s Sports Equipment Loss benefit. This can reimburse a traveler in the event their own sports equipment is lost or damaged during a covered trip.
Click here to begin your search for Belize Travel Insurance.
More Details on the Best Travel Insurance for Belize
Best Overall Travel Insurance
Medical / Med Evac Coverage
$500,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
The top-selling travel insurance plan on Squaremouth, accounting for roughly 13% of all policy sales
Comes standard with $500,000 in Emergency Medical and Medical Evacuation coverage, which is among the highest offered by any comprehensive travel insurance plan
Includes 100% Trip Cancellation protection, which reimburses up to $30,000 in trip expenses per traveler in the event of a covered cancellation
Best Overall Family Travel Insurance
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Features the most generous ‘Free Coverage for Kids’ pricing, allowing up to 9 children to be covered at no additional cost for an insured adult
The most popular family plan, chosen by roughly 14% of families insuring trips through Squaremouth
The customization options, well-rounded coverage, and up to $500,000 in medical coverage also make FlexiPAX our pick for ‘Best International Travel Insurance For Families’
The only family plan on Squaremouth that offers the optional Cancel For Any Reason (CFAR) and Interruption for Any Reason (IFAR) upgrades, providing the most possible flexibility for families
Best Overall Cruise Insurance
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Selected by over 22% of Squaremouth cruisers, making it the most popular option
Offers up to $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage, surpassing our coverage recommendations for cruise vacations
Plans have the option to add CFAR and IFAR coverage, which can add the most possible flexibility and additional peace of mind heading into a cruise
Features strong comprehensive coverage with the most important benefits for cruisers
Belize Travel Insurance Trends and Data
Home to a diverse range of ecosystems, including tropical rainforests, mangrove swamps, and coral reefs, Belize has something to offer for all types of travelers.
Destination Rank: 50
Percentage of Squaremouth Sales: 0.49%
Average Premium: $236.58
Average Trip Cost: $4,251.61
Squaremouth Analytics compares thousands of travel insurance policies purchased over the last two years to identify changes and trends in the travel insurance industry.