Whether or not to pay for holiday insurance is a big question when it comes to setting the vacation budget, and often it’s something that you can safely go without. But should you go without it when visiting somewhere off the beaten track like Jamaica?
One of the things you’d need to consider is “how far off the beaten track” are you likely to be going in Jamaica? The more extreme your vacation plans, the more likely you are to be at risk of accident. If you have an accident, what would the options of getting back home be? What kind of expenses would you be facing?
If you are taking expensive equipment with you, such a digital camera, or laptop, then you should certainly have insurance in case these are stolen while you’re away. With expensive individual items such as these however, you need to make sure that these are specifically covered by your insurance policy for everything from accidental damage (such as that which could happen in transit), to theft of the item. You should also be aware of what paperwork you will need to produce in order to claim for the items so that you have any receipts at hand before you leave and you bring back any copies of official documentation from the Jamaican authorities such as a police theft report.
When traveling to parts of the world which are noted tourist destinations, but which are not as commercial as some more popular destinations such as Paris, London or Sidney, it’s wise to have some form of holiday insurance. Just make sure you read all the small print before you sign up for the policy so that you are covered for everything you think you’re covered for, and you won’t be faced with any hidden policy financial excesses/penalties should you need to make a claim against the insurance policy upon your return from holiday.