# Travel insurance for Jamaica: resort medical clinics are not free, even inside the gates

> Most Jamaican resorts have an on-site or on-call clinic, and it bills like a private clinic anywhere else. Here is what travel insurance should cover before you rely on it.

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

Published: 2026-10-12

Jamaican resorts, especially the larger all-inclusive properties around Montego Bay, Negril and Ocho Rios, typically have a nurse or doctor on call and sometimes an on-site clinic — which can feel like built-in coverage, but it is a billed private service, not something included in your resort package.

## What domestic US coverage misses

Medicare provides essentially no coverage in Jamaica, and most employer or marketplace health plans either exclude the Caribbean or reimburse at a reduced out-of-network rate after you have already paid in full. A resort clinic visit for something routine like a jellyfish sting or minor injury can run a few hundred dollars; anything requiring hospital transfer to Kingston or Montego Bay's main hospitals costs considerably more.

## What a policy should include

Medical coverage of $50,000+ and evacuation coverage of $100,000+ are reasonable minimums. If your trip includes water sports — jet skiing, parasailing, diving — confirm the policy's activity list explicitly covers them, since these are commonly excluded by default on general policies and sold as an add-on.

## Typical cost

A one-week policy with solid medical and evacuation coverage for a healthy adult typically runs $25–$50.