# Travel insurance for the Dominican Republic: all-inclusive doesn't mean all-covered

> An all-inclusive resort covers your food and drinks, not a hospital bill. Here is what travel insurance for the Dominican Republic should cover and why evacuation matters.

Source: https://roamfact.com/en/analysis/dominican-republic-travel-insurance/

Published: 2026-10-12

Most US trips to the Dominican Republic are resort-based, which can create a false sense that everything is handled — but "all-inclusive" refers to food, drinks and activities at the resort, never to medical care. Domestic US health insurance, including Medicare, generally does not cover treatment outside the country.

## Why evacuation coverage matters here specifically

Major resort areas like Punta Cana and Puerto Plata have private clinics equipped for common tourist injuries and illness, but serious cases — major trauma, cardiac events, complications needing specialist care — are often better treated back in the US, and a medical evacuation flight without insurance can run well into five figures. Look for a policy with at least $50,000 in medical coverage and $100,000 or more in evacuation coverage.

## What else to check

If your trip includes excursions like ATV tours, zip-lining, catamaran trips or scuba diving — all common add-ons sold at Dominican resorts — confirm the policy does not exclude "adventure" or water activities by default; many do unless you add a rider. Also confirm the policy covers illness from food and water, since digestive illness is one of the more common claims from Caribbean resort trips.

## Typical cost

For a one-week resort stay, a solid policy for a healthy adult typically runs $30–$55 — a small fraction of what an uninsured hospital stay or evacuation would cost.