Saint Martin Expat Insurance

Saint Martin Country Information

International Health Insurance Quote

Lying snuggled in the east of Puerto Rico, Saint Martin is an island in the Caribbean. It is shared by the French Saint Martin and the Dutch Sint Maarten, with different percentages of population. According to the 2024 estimates, the number of residents in the French including Saint Martin, is between 26,000 and 32,500. On the other hand, Sint Maarten houses close to 44,300 inhabitants. It is essential to secure the best possible insurance, such as an extensive Saint Martin Expat Insurance plan for expats who desire to shift to the island, making quality healthcare available from the minute they arrive.

Also, an International Health Insurance Saint Martin makes it easy to access excellent medical services in the middle of these varying populated concentrations and medical centers that are favorable for expats in taking care of healthcare needs and giving them a lovely experience on this unique island. This makes this island one of the choicest tourist destinations in the Caribbean.

The island has a tropical climate, which is dry between January and April and has a humid spell between August and November. The nature of the monsoon is inconsistent with rainfall throughout the year.

Officially, the season of cyclones extends from June to November. Saint Martin has 37 seashores that sprawl across 70 kilometers of seaside, including the untamed Atlantic coastline that surfers are more inclined towards, instead of still waters, which is perfect for families. Other tourist attractions are Orient Bay, the “Saint Tropez of the Caribbean” recognized for its sparkling beach life; Grand Case Beach, whose calm waters and exquisite cuisine have created a sensation; and, not to forget, the reclusive Happy Bay, reputed for its peace and quiet.

The beaches have sands of a variety of colors, such as white, pink, along with hues of scarlet and crushed coral, and crystals. These coastlines are a significant habitat for coral reefs and marine turtles. Since there are no permanent rivers, the island’s aquatic systems function as a lifeline for the ecosystem. Every seashore is open to the public, cherishing a vibrant seaside culture that blends the equatorial climate, hilly landscape, lively bazaars, and duty-free shopping, making Saint Martin a priceless spot.

If you are an expat who desires to shift base, securing Expatriate Insurance in Saint Martin is imperative. Having an inclusive Saint Martin Expat Insurance facilitates bringing quality healthcare within easy reach, along with all the goodness the island has in store. This coverage supports residents in managing health needs, despite limited local medical facilities, especially for serious conditions that may require travel abroad.

Visitors to Saint Martin will explore rolling hills, colorful markets, and duty–free shopping.

Healthcare in Saint Martin

Before landing in Saint Martin, expats must verify the required inoculations and the checklist of medications. Both travelers and expats must make sure that they have taken the most up-to-date routine vaccinations and conferred with medical personnel 4–6 weeks prior to their journeys. According to CDC advice, knowledge of the latest vaccinations for measles, tetanus, and influenza, along with hepatitis A, hepatitis B, and typhoid, is based on the last travel destinations. Saint Martin does not pose a yellow fever threat; however, confirmation of vaccination is necessary for incomers from a country with a yellow-fever hazard.

Safeguarding against mosquito bites helps prevent dengue, Zika, and chikungunya. Saint Martin recorded the first confirmed autochthonous chikungunya case in the Americas (the Americas” includes all territories and countries in North and South America) in December 2013. From that time, registered cases of dengue, chikungunya, and Zika have been reported from time to time. The period of 2023–2024 saw a rise in cases of dengue, due to which, government health authorities released advisories on mosquito-bite prevention throughout the year. Travelers must take all necessary precautionary measures to avoid mosquito bites and bug bites.

Precautions also need to extend to what you eat and drink by minimizing exposure to germs. Centre Hospitalier Louis-Constant Fleming in Concordia, Marigot, which is the primary public hospital on the French side, has provisions for emergency services, surgery, maternity, and intensive care. On the Dutch side, the Saint Maarten Medical Center in Philipsburg, currently the territory’s only hospital, operates a 24/7 emergency department and is expanding with the construction of the new St. Maarten General Hospital (expected completion mid‑2026). Both the medical centers are equipped with the latest gadgets and offer a wide spectrum of medical aids, though with capacity constraints of highly skilled specialists, which often makes it unavoidable to evacuate patients to other Caribbean islands or the USA, making Saint Martin Health Insurance with evacuation coverage highly recommended.

However, expats should obtain international health insurance before entering Saint Martin. For complex or specialized treatment unavailable locally, patients are often referred to Guadeloupe or Martinique (French side referrals), or to Curaçao, Colombia, or the USA (Dutch side referrals), depending on insurance coverage and nationality. To know about the healthcare system in Saint Martin, check out our healthcare region page.

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Insurance for Expatriates in Saint Martin

Expat Financial has a great deal of experience in sourcing international insurance plans for individual expatriates and expat employers in Saint Martin, including International Health Insurance Saint Martin and Expatriate Insurance Saint Martin plans. We can also source global medical coverage for select local nationals in Saint Martin that will allow for global medical coverage that includes the United States. Saint Martin expat healthcare plans are available via our firm from a variety of global health insurance companies.

Here is a list of different types of insurance coverage you will want if you are planning to live as an expat in Saint Martin:

If you require a quote for Saint Martin insurance, contact Expat Financial today for a quote. Please send along any relevant risk information that may be available.