Yes, travel insurance is worth carrying for a trip to Martinique, though the honest reason has more to do with hurricane-season logistics than everyday medical risk. As a French overseas department, the island sits inside French and EU administrative structures, and Fort-de-France, its capital, has functioning hospital care for most routine needs. The real case for coverage here is what happens when something is serious enough to need more than the island can offer, and when a storm disrupts the only way off it.
Care in Fort-de-France handles a broad range of routine and moderately serious cases, but for complex or specialist treatment, patients are typically referred onward to Guadeloupe or transferred further to mainland France, since Martinique's own facilities do not cover every specialty locally. Confirm your policy covers medical transfer within the French Antilles and repatriation to mainland France if needed, rather than assuming a policy built for a non-French Caribbean island automatically applies here.
Hurricane season, roughly June through November, is the defining seasonal risk for Martinique, bringing the possibility of flight cancellations, port closures, and short-notice evacuation orders during an active storm. Trip-delay and cancellation cover matter more during this window than at any other point in the year, and travelers booking mid-season should check how their policy defines a named storm versus a general weather delay.
If you hold French or wider EU health cover, check specifically whether it extends to Martinique, since coverage rules for overseas departments do not always mirror mainland entitlements exactly - the page cannot confirm this for you, so verify with your own provider before travel. A standalone travel policy remains the simpler route for visitors from outside France entirely.
Keep any clinic paperwork from Fort-de-France, hurricane advisory notices, and receipts for delayed travel or unplanned accommodation. Many policies treat storm-related cancellation as a standard trip-delay claim, so check the wording for how it is defined and what documentation it requires before assuming reimbursement happens automatically once you are home.