Travel Insurance Checklist for the Dominican Republic (2025–2026 High Season)

Planning a winter escape to the Dominican Republic? Peak season brings perfect beach days—and busier airports, hotels, and roads. A solid travel insurance plan turns surprises into inconveniences, not crises. This checklist—built from our on-the-ground experience in Santo Domingo and Punta Cana—walks you through exactly what to buy, what limits to pick, and how to use your coverage if you need care.

1) Start with the right core coverages

• Emergency medical & hospitalization (look for at least US$100,000 in medical coverage for international trips).

• Medical evacuation (air ambulance/medevac) to your home country or the nearest center of excellence. Pair this with our dedicated guide so you know how evacuations actually work and what triggers coverage. See: [Medical Evacuation in the Dominican Republic: 2025 Guide] (internal). Hernandez Peguero | Insurance

• Trip cancellation/interruption for prepaid hotels, villas, flights, and tours.

• Baggage & delay coverage for essentials if your luggage lags behind you.

Want a quick primer? Review our [Travel Insurance Made Simple] page for benefits and assistance features offered through Hernández Peguero.

2) Tune your limits to real costs in the DR

Hospital care at private clinics is high quality but requires a credit card deposit; medevacs can cost tens of thousands of dollars without insurance. Choose limits that match real-world expenses and your risk tolerance. Our [travel insurance guide] explains typical scenarios and how policies respond in the DR context.

3) Add the right riders if you’re a snowbird or activity-heavy traveler

• Pre-existing condition waiver (buy within the policy’s early-purchase window).

• Cancel For Any Reason (CFAR) if flexibility matters.

• Adventure sports if your plans include kitesurfing, diving, ATV tours, or ziplining.

4) Know where to go—and how to use your plan

If you need care, call your insurer’s assistance line first so they can direct you to a facility with direct billing where possible. For bigger situations, understand when your plan will coordinate air ambulance transport. Keep our medevac guide bookmarked for step-by-step usage.

5) Villas, resorts, and cruise add-ons: who covers what?

• Resort or tour cancellation policies aren’t insurance; they set business rules.

• Home/villa bookings: third-party platforms may offer basic protection, but dedicated trip insurance usually provides broader, cash-paying benefits.

If you own a DR property and travel back and forth, make sure your [homeowners/property coverage] is up to date for hurricane, windstorm, theft, and liability. We can coordinate travel and property protections to prevent gaps.

6) Pack documents that speed up claims

• Passport, policy certificate, and emergency contact numbers.

• Copies of prescriptions and a short medical summary.

• Receipts for prepaid expenses.

• Photos of valuables placed in checked baggage.

If a loss occurs, follow our How to request assistance with your Travel Insurance

7) Choosing a plan: local insight matters

Two travellers can have the same destination and need different plans. As a bilingual, DR-based brokerage, we compare carriers, benefits, exclusions, and assistance networks—and we explain how they perform in Dominican clinics and airports. Start here: [Contact Hernández Peguero].

Quick Checklist (print & save)

• ✅ Medical (≥ US$100k) + Medevac

• ✅ Trip cancellation/interruption set to total non-refundable costs

• ✅ Pre-existing waiver / CFAR (if needed)

• ✅ Adventure sports (if applicable)

• ✅ Assistance numbers saved in phone + printed

• ✅ Receipts, prescriptions, IDs backed up to cloud

Smart add-ons for special trips

• Cruises to/from La Romana or Amber Cove: check ship medical limits; add higher medevac.

• Destination weddings & group travel: one policy per household; align cancellation terms.

• Long-stays: compare [local health insurance] or [international health plans] if you’ll be in the DR for months.

Why Choose Hernández Peguero Insurance Brokers?

For peak season in the DR, we combine local hospital know-how with international plan comparisons. We help you right-size medical and medevac limits, explain exclusions in plain English/Spanish, and support you if you need care—so a medical hiccup doesn’t derail your vacation.

Ready to Get a Quote?

Protect your Dominican Republic trip today with affordable travel insurance.

👉 Contact us now:
Phone / WhatsApp: +1 849-514-9838
Email: info@hernandezpeguero.com
Website: www.hernandezpeguero.com

We’ll guide you to the best plan for your trip so you can enjoy your stay with total peace of mind.