Are you considering travel or relocation to Haiti? Well, then, having Haiti Expat Insurance is important for you to stay in this culturally and historically rich Caribbean nation.
Haiti was the first Black-led republic and independent state in the Caribbean. Unfortunately, the country has experienced decades of misrule, poverty, instability and dictatorship. Haiti remains conditional on a U.S. Department of State Level 4: Do Not Travel advisory released on July 15, 2025, referring to widespread kidnapping, armed robbery, car theft, sexual violence, and gang wars. Since March of 2024, a national state of emergency is in force, with gangs in control of large parts of Port‑au‑Prince and other cities.
Haiti experienced a devastating earthquake in 2010. Even though cholera cases within the country dropped in 2024, Haiti has encountered active regional outbreaks ongoing through the beginning of 2025, particularly in deportation encampments and Port‑au‑Prince, with almost 1,300 unconfirmed cases and about 19 deaths recorded in early 2025, and more than 87,000 cases since October 2022, when the outbreak started. These reasons necessitate securing a Haiti expat insurance for those planning a lengthy stay in the Republic.
In the face of these challenges, Haiti comes forward with awe-inspiring natural beauty and wealth of culture. Visitors and tourists can get the generous experience of the flowing cobalt blue waters of Bassin Bleu, the massive mountaintop fortress called Citadelle Laferrière (which is a designated UNESCO World Heritage site), in addition to zesty street art and musical community that bring to light Haiti’s African and French heritage. If you are a traveler in the quest of unique, unusual-course destinations, Haiti’s cultural galas and historic attractions provide intensely rewarding experiences.
As of mid‑2025, estimates indicate Haiti’s population to be at close to 11.7 million. People in the capital city of Port-au-Prince primarily speak French. Though French and Haitian Creole are both official languages, Haitian Creole is the most extensively spoken by the majority.
Healthcare in Haiti
Life expectancy during birth in 2024 averaged around 65.1–65.6 years (in both males and females), with male life expectancy close to 62.5 years. This mirrors gradual progress over previous years as the country has been afflicted by poverty, oversight and epidemic, even with many years of support from the western world. The 2010 quake made matters worse as medical infrastructure was devastated.
The quality of healthcare in Haiti continues to miss a lot, with difficulties of access to up-to-date equipment, skilled staff, and uninterrupted medical treatment. There is basically little or no healthcare system in Haiti and is primarily delivered by NGOs such as Médecins Sans Frontières (MSFs), gospel-centered institutions, or private clinics with capability constraints, making a robust Haiti expat insurance highly convenient. Governments have not been able to deliver adequate healthcare for such a large population. To know about healthcare system in Haiti check out our healthcare region page.
Healthcare providers in Haiti often work in challenging circumstances, with deficient funding as well as support. Expats should prepare from this perspective and be aware of the fact that reliable or specialized care may not be available domestically. This is the reason why securing expat insurance in Haiti is essential for those planning to stay in the country for a long time.
Anyone venturing into Haiti should obtain a global healthcare plan that will cover medical treatment inside and outside of Haiti, especially in the United States.
The Need for Haiti Expat Insurance
There is little insurance cover offered in the country, so an expat health insurance plan via Expat Financial is vital. Many travellers and expats who require serious medical treatment in Haiti have to travel to the USA or Canada, so make sure your medical plan covers the USA and Canada due to the shortcomings of healthcare in Haiti. Medical evacuation coverage for Haiti along with coverage in North America should therefore be essentially included in your Haiti expat insurance plan.
So if relocating to Haiti as an expatriate is what you are looking forward to, you should take into account the following list of types of insurance coverage:
Expat Financial is a foremost independent broker having expertise in international health insurance for global expats. We offer tailored individual and group plans from prime global insurers like Cigna, Allianz, GeoBlue, and Expatriate Group, ensuring tailored coverage that suits specific requirements and budgets. Expat Financial provides expert advice and prompt service using advanced online tools, free of cost to clients. Our plans include widespread medical, dental, and evacuation needs, giving expats a sense of fulfilment through their overseas stay.
- Expat Life and Disability Insurance
We, at Expat Financial, are dedicated to presenting individually-made international life insurance plans for expats and world citizens, keeping their families safe by helping them upkeep their lifestyle and cover debts with a basic coverage from $500,000 USD or EURO. We also offer competitive group life insurance solutions for firms with expat staff all across the globe. Additionally, the William Russell Global Income Protection plan offers income substitute of up to 75% of yearly salary (max $144,000) if incapable of work because of disease or injury, with flexible wait times and benefits ongoing until the age of 65. Coverage does not include certain high-risk countries and residents of nations like the USA, UK, and Canada, with some options to renew if returning home under restrictions.
Expat Financial offers short-term travel medical insurance for emergency coverage abroad less than a year from multiple reliable providers. You can quickly compare quotes, securely purchase online, and receive printable policy cards by email. Plans include travel medical, student, group, and trip cancellation coverage. This insurance is essential for travelers whose domestic plans don’t cover international medical expenses.
Expat Financial presents international medical evacuation insurance plans for expats and employers around the world, collaborating with seasoned providers. This coverage is vital for those in countries with insufficient healthcare, as evacuation costs can be excessive. Including evacuation insurance in global benefit or business travel plans is very recommendable, with cost-efficient group options available. Expat Financial ensures custom-built security and well-being during emergencies abroad.
Expat Financial has an offering of personalized international group insurance plans for businesses with employees abroad, including health, life, disablement, evacuation, orthodontic, and optical coverage. We operate as independent brokers to find cost-effective solutions from top global insurers, offering support with claims and renewals. Our plans often cover maternity and pre-existing conditions and serve various organizations, including those operating in high-risk areas.
Expat Financial can source international health insurance for select local nationals in Haiti from one of our large global insurance companies. If you require a quote for insurance coverage for expats in Haiti, contact Expat Financial today for a quote and to discuss your Haiti expat insurance requirements.
