International Health Insurance for Expats in the US Virgin Islands
Expats should secure an international health insurance plan for their time in the United States Virgin Islands (USVI) to provide them with important financial protection and peace of mind. This coverage is especially important due to the medical evacuation benefit needed while in the islands.
Are you planning on visiting the US Virgin Islands? Are you unsure which health insurance plan is the best fit for your time abroad? This guide from Pacific Prime will answer all your questions about US Virgin Islands international health insurance and more.
We will also discuss the healthcare system on the islands, expat health insurance options, safety tips, and other similar topics. Keep reading to learn more, or click here for a free health insurance quote from a variety of providers!
Recommended International Health Insurance Plans for Expatriates Living in United States Virgin Islands
Cigna Global Insurance Plan
- Worldwide Coverage (excluding the US)
- Access to Cigna's trusted network of hospitals and doctors
- Numerous Deductible Options
- 24/7 Customer Support
- 4 Core Insurance Plans
Allianz Care Health Insurance
- World-leading Health Insurance Provider for Expats
- Extensive Network With Over 1.9 Million Medical Providers
- Quick and Efficient Claims Process
- Maximum Plan benefit up to USD $4,000,000
- Flexible deductibles for inpatient and outpatient plans
The Healthcare System in the US Virgin Islands
The healthcare system in the US Virgin Islands is modern and decently equipped, with the ability to handle both basic and specialized medical care. Most hospitals and clinics are located in the major cities on the islands.
Due to challenges in medical infrastructure and staff shortages, most complex medical cases are sent to neighboring countries for treatment, such as Puerto Rico or the United States.
The United States Virgin Islands Hospitals and Clinics
Some of the top hospitals in the United States Virgin Islands include Gov. Juan F. Luis Hospital and Medical Center, Roy Lester Schneider Hospital, and Myrah Keating Smith Community Health Center.
Gov. Juan F. Luis Hospital & Medical Center
Address: 4007 Estate Diamond Ruby, Christiansted, St. Croix USVI, 00821
Phone: +1 340-778-6311
Gov. Juan F. Luis Hospital and Medical Center acts as the primary healthcare facility of the USVI and provides emergency and trauma care as well as other medical services for expats, visitors, and locals. Some of the services provided by the hospital are:
- Laboratory and imaging
- Obstetrics and gynecology
- Pediatrics
- Cardiology
- Oncology
- Pharmacy services
- And more
Roy Lester Schneider Hospital (RLSH)
Address: 9048 Alton Adams Sr Dr, St. Thomas USVI, 00802
Phone: +1 340-776-8311
The Roy Lester Schneider Hospital is a part of the Schneider Regional Medical Center system and provides acute care to visitors and locals in St. Thomas. The hospital provides the following services:
- Emergency medicine
- Cardiology
- Dental surgery
- Hyperbaric services
- Inpatient and outpatient surgery
- Gastroenterology
- Pathology
- Women’s health services
- Pediatrics
- And more
Myrah Keating Smith Community Health Center
Address: 86RG+C62, Susannaberg, St. John USVI, 00830
Phone: +1 340-693-8900
A part of the Schneider Regional Medical Center system, Myrah Keating Smith Community Health Center provides valuable services to expats and locals in St. John. They offer both 24-hour emergency care and outpatient clinics Monday through Friday.
Some of the services and specialties they offer in Myrah Keating Smith Community Health Center are:
- Women’s health
- Pediatrics
- Radiology
- Ophthalmology
- Laboratory services
- Nutrition counseling
- And more
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Health Insurance Options in the US Virgin Islands for Expats
The best option for expats in the USVI is private health insurance, as it offers the most comprehensive and customizable coverage while in the islands. Unless you are a US citizen who meets specific criteria, there are no public health insurance programs available for expats in the USVI.
Public Health Insurance in the US Virgin Islands for Expats
For expats in the USVI, the only government-operated insurance programs are Medicare and Medicaid. These social insurance programs have strict requirements regarding age and income. Because the USVI is a US territory, US citizens can still use their Medicaid or Medicare coverage there.
Private Health Insurance in the US Virgin Islands for Expats
Private health insurance can help cover the cost of healthcare services in the US Virgin Islands and grant expats access to private hospitals and clinics. Without private health insurance, expats are left to pay for their healthcare out of pocket, which can add up quickly.
Private health insurance can cover a variety of healthcare services, such as:
- Inpatient and day patient treatment
- Surgical costs
- Physician visits
- Mental health treatment
- Vaccinations
- Prescription drugs
- Medical evacuation and repatriation
- Repatriation of remains
- Dental and vision coverage
- Maternity coverage
Medical evacuation coverage is of special importance for expats in the US Virgin Islands and the rest of the Caribbean, as the local medical facilities may not have the staff or resources available for certain medical emergencies or illnesses.
Medical evacuation coverage can cover the cost of transporting you to a different medical facility for treatment, whether by air ambulance or by seacraft.
Expats in the US Virgin Islands can secure a private health insurance policy through an international or local insurance provider. International insurance providers offer the benefit of globally portable coverage, so you can visit all of the Caribbean islands and stay protected.
Best International Health Insurance Providers in the US Virgin Islands
The best private insurance providers for expats in the US Virgin Islands are offered by international health insurance providers Allianz, April International, AXA, Cigna Global, and Bupa. We will share a brief overview and highlight these providers’ plans in the following sections.
If you’d like to learn even more about the top international health insurance providers, check out our article guide here!
Allianz Health Insurance in the US Virgin Islands
Allianz offers comprehensive insurance plans in the US Virgin Islands to fit a variety of expats’ needs. Riders are available to be purchased and attached to basic policies that Allianz provides. These riders can offer coverage for accidents and other risks that expats may face abroad.
The plans offered by Allianz include the Care, Care Plus, and Care Pro plans. While each of these plans may differ in coverage limits and benefits, they share similar benefits as listed below:
- Inpatient costs
- Diagnostics and laboratory tests
- Surgeries
- Ambulances transport
- Cancer treatment
April International Health Insurance in the US Virgin Islands
April International is a leading international insurance provider that offers affordable, comprehensive coverage to expats in the US Virgin Islands.
They offer their health benefits to expats in different tiers of coverage through their Emergency Plan, Formule Basic, Essential Plan, Comfort, and Premium Plan.
April International offers a variety of benefits in its plans, including:
- Inpatient treatment
- Outpatient treatment
- Emergency repatriation
- Emergency evacuation
- Maternity coverage
- Vision and dental coverage
AXA Health Insurance in the US Virgin Islands
AXA is a leading international health insurance provider that insures expat individuals and families in the US Virgin Islands. Its health insurance plans are offered in five coverage tiers: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.
Each of these plans includes comprehensive inpatient coverage, with annual limits ranging from USD $160,000 to $8,000,000. Exact coverage benefits will vary from plan to plan.
The core benefits included in all five plans are:
- Hospitalization and surgery
- Emergency medical coverage
- Medical evacuation and repatriation
- Cancer treatment
- Diagnostic scans
Cigna Global Health Insurance in the US Virgin Islands
Cigna provides flexible insurance plans to expats in the US Virgin Islands and across the world. They offer their members 24/7 access to a customer care team and access to any of the US Virgin Islands’ private healthcare facilities. Their plans are customizable and comprehensive.
Cigna has a Silver, Gold, and Platinum plan with different levels of coverage. All three of these plans share several common key coverage benefits:
- Hospitalization
- Inpatient and outpatient services
- Cancer treatment
- Physiotherapy
- Accidental death or total permanent disability compensation
Bupa Global Health Insurance in the US Virgin Islands
Bupa Global is a top international insurance provider for expats in the US Virgin Islands looking for comprehensive and customizable coverage. Bupa Global allows its members to seek second medical opinions if needed and requires no referrals for specialist visits.
Bupa Global offers three international health insurance plans in the islands: Bupa Select, Bupa Premier, and Bupa Elite. Bupa Select offers the most basic and affordable coverage, while Bupa Elite offers the most comprehensive coverage with an annual limit of around USD $4,761,300.
Bupa Global covers the following benefits in its plans:
- Inpatient treatment
- Cancer treatment
- Private hospital room coverage
- Medical evacuation coverage
- Health checks and screenings
Facts to Consider When Picking Insurance in the US Virgin Islands
You should consider your budget, how long your trip is, and what your coverage needs are when choosing a health insurance plan for the US Virgin Islands. Considering these factors is an important step to finding the right insurance plan for you.
- Your Budget: You should understand how much you can afford in monthly or yearly premiums, but this doesn’t mean you should try to find the cheapest coverage possible. You should ensure that your health and finances will be adequately protected through the coverage limit you purchase.
- The Length of Your Trip: How long your trip is will determine how long you will need to purchase coverage, and whether you will need a travel insurance plan that will last only a few months or something more comprehensive, like an international health insurance plan.
- Your Coverage Needs: Do you plan on needing outpatient care for your time in the US Virgin Islands? Or preventative care? Take the time to determine where you may need additional medical support to ensure you have the right coverage for your health needs.
Health and Safety Tips for Expats and Travelers in the US Virgin Islands
Expats and travelers in the USVI can stay safe by staying up to date on their routine vaccinations, practicing sun and water safety, and selecting safe transportation. We will discuss these tips below:
- Get Routine Vaccinations: Expats should ensure they are up to date on their routine vaccines before their trip to the USVI. Additionally, they are recommended to be vaccinated against typhoid and measles.
- Practice Sun and Water Safety: Wear sunscreen and reapply every two hours to protect yourself from harmful UV rays, and swim only in designated swimming areas. Don’t dive into shallow water, and avoid swimming in freshwater.
- Select Safe Transportation: Select safe transportation in the US Virgin Islands by choosing only official taxis or public transportation and wearing a seatbelt at all times. Motor accidents are a common risk for travelers in the Virgin Islands and worldwide.
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Conclusion: Compare Plans and Quotes Now
Expats in the US Virgin Islands can enjoy comprehensive medical coverage by securing their own private health insurance before their trip. This important coverage will provide peace of mind and important resources in case of injury or illness.
Are you ready to begin shopping for your international health insurance plan for the US Virgin Islands? Contact Pacific Prime to discuss, free of charge, a range of health insurance services available for you, your loved ones, or your group.
As a global health insurance broker who specializes in expat health insurance, Pacific Prime can offer a wealth of professional expertise and services. Our tailor-made policies suit every budget and health care need for expats and travellers across the world.
To get a no-obligation, free price comparison quote, visit our website today!
Frequently Asked Questions
Can expats use Medicare while in the US Virgin Islands?
Expats enrolled in Medicare can use their coverage in the US Virgin Islands. Because the USVI is a US territory, US programs like Medicare and Medicaid can be used on the islands.
Are expats required to have health insurance to live in the USVI?
While health insurance is not explicitly required to live in the USVI, it is highly recommended to protect yourself against illness or injury. Without your own private health insurance, you could face high medical costs when seeking treatment in a hospital or clinic.
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