Ombrela.

25 curated destinations

Every coast.
Every climate.
One umbrella.

Country-specific guides covering healthcare infrastructure, common medical risks, hurricane vulnerability, and the right insurance coverage for each destination.

01🇨🇼

Caribbean (ABC Islands)

Curaçao

Curaçao combines European-standard healthcare with year-round Caribbean sunshine. As part of the Kingdom of the Netherlands, Curaçao sits south of the hurricane belt — making it one of the safest island destinations.

Med: Moderate
02🇯🇲

Caribbean

Jamaica

Jamaica is the Caribbean's most-visited destination but has notable healthcare gaps outside major cities. Travel insurance fills the space between resort medical and serious medical events.

Med: High
03🇧🇸

Caribbean

Bahamas

The Bahamas' 700 islands face direct hurricane risk June-November. Smart travelers buy insurance with comprehensive hurricane benefits before storms form.

Med: Moderate
04🇩🇴

Caribbean

Dominican Republic

The DR welcomes 7 million tourists annually. With strong tourist hospitals and frequent activity risks, insurance protects every kind of trip.

Med: Moderate
05🇵🇷

US Territory / Caribbean

Puerto Rico

Puerto Rico is a US territory, but your domestic insurance may not work as expected. Trip protection and evacuation coverage still matter.

Med: Low
06🇨🇺

Caribbean

Cuba

Cuba is one of the few countries that legally requires all visitors to carry travel insurance — and verifies coverage on arrival.

Med: Moderate
07🇦🇼

Caribbean (ABC Islands)

Aruba

Aruba sits south of the hurricane belt with excellent infrastructure. Insurance focuses on medical coverage and activity risk.

Med: Low
08🇧🇧

Caribbean

Barbados

Barbados sits south of the typical hurricane track with strong British-influenced infrastructure. Coverage focuses on routine medical and activity risks.

Med: Moderate
09🇹🇨

Caribbean

Turks & Caicos

Turks & Caicos' beaches are world-renowned but medical infrastructure is limited. Insurance with strong evacuation matters here.

Med: High
10🇰🇾

Caribbean

Cayman Islands

The Cayman Islands offer high-end Caribbean tourism with excellent infrastructure. Insurance protects against high US-equivalent medical costs.

Med: Moderate
11🇲🇽

North America

Mexico

Mexico is the #1 international destination for Americans. With healthcare quality varying wildly by region, insurance is essential.

Med: Moderate
12🇨🇷

Central America

Costa Rica

Costa Rica's adventure tourism creates specific insurance needs. Zip lines, surfing, and rainforest activities all need proper coverage.

Med: Moderate
13🇹🇭

Southeast Asia

Thailand

Thailand pioneered medical tourism with English-speaking hospitals. Insurance ensures direct billing at top facilities.

Med: Moderate
14🇯🇵

East Asia

Japan

Japan offers world-class healthcare at high prices for foreign visitors. Hospitals strictly require advance payment from foreigners.

Med: Low
15🇮🇳

South Asia

India

India's healthcare ranges from world-class private hospitals to extremely limited rural care. Coverage must include strong evacuation.

Med: Moderate
16🇪🇸

Europe

Spain

Spain has excellent public healthcare but costs visitors at private rates. Schengen visa requirements apply for non-EU travelers.

Med: Low
17🇮🇹

Europe

Italy

Italy combines high-quality healthcare with classic European travel. Insurance protects against private medical costs and Schengen compliance.

Med: Low
18🇫🇷

Europe

France

France welcomes more tourists than any country in the world. Schengen compliance and private hospital cost protection are essential.

Med: Low
19🇬🇧

Europe (Post-Brexit)

United Kingdom

Post-Brexit, the UK no longer participates in EU healthcare reciprocity. NHS provides emergency care but extracts costs from foreign visitors.

Med: Low
20🇩🇪

Europe

Germany

Germany has excellent healthcare but visitors face full private costs. Schengen compliance and proper coverage are both essential.

Med: Low
21🇦🇺

Oceania

Australia

Australia has excellent universal healthcare for residents but visitors pay full out-of-pocket. Adventure activities require specific coverage.

Med: Low
22🇳🇿

Oceania

New Zealand

New Zealand is the world's adventure capital. Bungee, skydiving, white water rafting all require specific activity coverage.

Med: Low
23🇨🇦

North America

Canada

Canada has universal healthcare for residents only. American visitors face full out-of-pocket costs — Medicare doesn't cover Canada.

Med: Low
24🇿🇦

Africa

South Africa

South Africa combines excellent urban healthcare with safari adventure. Insurance must cover both medical events and activity risks.

Med: Moderate
25🇦🇪

Middle East

United Arab Emirates

The UAE — Dubai and Abu Dhabi especially — offers premium healthcare at premium prices. Insurance protects against high private costs.

Med: Low