Micronesia Travel Insurance
Everything you need to know before your trip
Healthcare Cost Level
Moderate
Avg. ER Visit
$200
Recommended Coverage
$250,000
Evacuation Risk
Critical
Healthcare in Micronesia
What to expect if you need medical care
Micronesia's healthcare infrastructure is extremely limited, with basic facilities offering only minimal treatment options. While English availability is good among medical staff, the quality of care is limited, meaning serious medical conditions cannot be adequately treated locally. An average emergency room visit costs around $200 and a hospital day runs approximately $300, which seems affordable until you realize these facilities can only handle minor issues. For anything beyond basic care—serious injuries, complex illnesses, or surgical emergencies—you'll need evacuation to Guam or beyond. The combination of limited local capabilities and good English communication means doctors can clearly explain why you need to leave for proper treatment.
What Your Policy Should Cover
Country-specific considerations for Micronesia
Your policy must prioritize comprehensive medical evacuation coverage given Micronesia's critical evacuation risk level. Ensure your plan explicitly covers air ambulance transport to Guam, Hawaii, or the Philippines for serious conditions. If you're diving or snorkeling—popular activities here—verify your policy includes hyperbaric chamber treatment and evacuation for decompression sickness. Marine injury coverage is essential year-round due to limited local treatment for coral cuts, stingray injuries, and other ocean-related wounds. Include search and rescue operations for inter-island travel, as emergency services are severely limited throughout the islands. Coverage for typhoons and extreme weather is crucial from June to December. Don't overlook dengue fever treatment, a moderate year-round risk requiring potential evacuation for severe cases.
Dengue Fever
Moderate Risk
Peak: year-round
Typhoons And Extreme Weather
High Risk
Peak: June to December
Marine Injuries And Drowning
Moderate Risk
Peak: year-round
Limited Emergency Services
High Risk
Peak: year-round
Activity-Specific Coverage
Diving And Snorkeling: Ensure coverage includes hyperbaric chamber treatment and evacuation
Inter-Island Travel: Coverage should include search and rescue operations
Water Sports: Marine injury coverage essential due to limited local treatment
How Much Coverage Do You Need?
Our recommendation based on Micronesia's healthcare costs
The recommended $250,000 coverage reflects Micronesia's critical evacuation reality rather than local healthcare costs. While a hospital day costs just $300, a single medical evacuation by air ambulance to Guam runs $50,000-100,000 or more. The minimum $100,000 might cover one evacuation, but serious incidents could require multiple transports, extended treatment abroad, or complications. The $250,000 recommendation provides adequate buffer for evacuation costs plus treatment at your destination facility, protecting you from catastrophic expenses when local care proves insufficient.
Minimum
$100,000
Basic emergencies only
Recommended
$250,000
Full protection
Making a Claim in Micronesia
Tips for smooth claims processing
Documentation Required: Medical records, evacuation receipts, proof of emergency nature of treatment, consular documentation may be required
- Keep detailed medical records from any local clinic visits, as you'll need proof of the emergency nature of treatment and documentation showing why evacuation was medically necessary
- Request and retain all evacuation receipts, including air ambulance invoices and related transport costs, as these will be your largest claim items
- Contact your insurer immediately when evacuation becomes necessary—pre-approval can prevent claim disputes and the insurer may coordinate transport directly
- Obtain consular documentation from the nearest U.S. embassy or consulate if required, as this may be needed to support your claim's legitimacy
- Document all inter-island travel plans and keep proof of weather-related disruptions, as typhoon season claims may require evidence of emergency circumstances
Get Covered for Micronesia
Adventure destinations like Micronesia require solid evacuation coverage. Don't leave without it.
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