Jamaica Risk Assessment Country Guide 

The island nation of Jamaica, located in the Caribbean Sea, gained its independence from the United Kingdom in 1962. Since then, the government and the economy have undergone periods of success and regression. Today, Jamaica's economy relies heavily upon agriculture, mining, manufacturing and tourism. 

According to the UK Foreign and Commonwealth Office, more than 180,000 British nationals visit Jamaica each year. While most have an uneventful time in the country, there are high levels of crime and violence and a low threat of terrorism. Due to these concerns, it is recommended that you consider adequate international insurance prior to leaving your home country. 

  • Health
  • Safety & Security
  • Terrorism

Health care facilities differ in standards across Jamaica. Treatment can become expensive, and proper insurance coverage may be needed to help manage these potential costs. Before leaving for the country, you should contact your primary care physician to discuss any possible vaccinations or other preventative measures. 

In December 2015, the first local transmission of Zika virus infection was reported in the Caribbean, including the Jamaica. There has been one confirmed case. Local transmission means that mosquitoes in the area have been infected with Zika virus, spreading it to people. The most common symptoms of Zika virus disease are fever, rash, joint pain, and conjunctivitis (red eyes). The illness is usually mild with symptoms lasting from several days to a week. Severe disease requiring hospitalization is uncommon.  Although there is no cure or vaccine for Zika, take standard precautions against mosquito bites and practice safe sex. Pregnant women should consider postponing travel.

Dengue fever is endemic to the region, and outbreaks can occur at any time during the year. Expats should take extra precaution against mosquito bites due to the heightened possibility of contracting the Chikungunya virus, which most often causes fever and joint pain.

The 2013 UNAIDS Report estimated that roughly 28,000 adults in the country have HIV. That equals a prevalence percentage near 1.7 percent, compared to 0.2 percent in the UK. 

Clements Worldwide offers GlobalCare® health insurance coverage. This policy includes USD 5 million in health care benefits, and allows you to choose any number of doctors across the world. Clements coverage enables  flexible payment plans, choice of deductible and optional War and Terrorism coverage. This coverage extends your policy to include illness or injury caused by an act of war and terrorism.

In the event of serious injury or illness, you may need to be evacuated in order to access appropriate levels of care. A Medical Evacuation and Repatriation insurance policy from Clements covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Jamaica.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

The political situation in Jamaica is relatively stable, although you should take care to avoid all large gatherings and political demonstrations. Outbreaks of violence have been reported in some areas en route from the airport to the city. 

A Personal Accident insurance policy from Clements protects your organization’s employees and their families' financial stability following an accident, regardless of whether it occurs on the job or during personal time. Coverage begins at USD 100,000 per person.

Road accidents are common across the country. Most roads are in poor condition, and rural areas are badly lit at night. You should be cautious while driving, and keep all windows and doors locked. In some cases, severe weather can temporarily block roadways. 

Clements offers international car insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad.

An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Jamaica.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

There is a low threat of terrorism in Jamaica. Attacks could be indiscriminate, and target locations often visited by expats and tourists.

A War and Terrorism insurance policy from Clements offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

Clements also provides a Kidnap and Ransom insurance policy, which ensures financial assistance following a kidnapping, such as independent investigations, negotiations and thearrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Jamaica.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions