Antigua and Barbuda is built for the water - 365 beaches, world-class sailing, and reef snorkelling - and that, combined with Atlantic hurricane season, shapes the cover you want. Island medical facilities handle routine cases but fall short of US or European standards, so a serious injury or illness may mean evacuation to another island or the mainland, which can cost tens of thousands of dollars. Medical evacuation cover and watersports protection are the priorities here, alongside weather-related trip cover from June to November.
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Cross-trip essentials
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