Travel insurance Dominican Republic: Car rental tips & coverage guide

Why is travel insurance essential for the Dominican Republic?

Travel insurance in Dominican Republic plans are designed to protect you from unexpected events. Whether it's a medical emergency, stolen belongings, or flight cancellations, coverage gives you peace of mind while exploring the island.

The most important types of travel insurance cover

- Medical and hospitalization costs: in case of illness or accident, the insurance covers medical and hospitalization costs, which can be very high for foreigners.

- Repatriation assistance: essential in the event of serious injury requiring emergency return to your home country.

- Civil liability: Covers any damage you may cause to others.

- Trip Cancellation and Interruption: Reimbursement of expenses incurred if an unforeseen event prevents you from leaving or forces you to shorten your stay.

Tip: Tip: Before buying standalone insurance, check if your credit card includes any Dominican Republic travel insurance coverage.

Car rental insurance in the Dominican Republic: A must-have

Exploring by car is the best way to access hidden beaches, mountain trails, and authentic towns. But car rental insurance in the Dominican Republic is both legally required and essential for your protection.

Insurance included with car rental

When you rent a vehicle with Jumbo Car, certain insurances are already included in the rental price:

- Third Party Liability (TPL): This insurance is mandatory in the Dominican Republic and covers damage to property and bodily injury caused to others in the event of an accident;

Recommended Supplemental Insurance

For optimum protection, we recommend that you purchase additional insurance, especially if you plan to travel long distances or explore more remote areas.

✔️ Collision Damage Waiver (CDW):

✅ Reduces your financial responsibility in the event of an accident involving the rented vehicle.

✅ Usually included with a deductible (amount you must pay in the event of an accident).

✔️ LDW (Loss Damage Waiver):

✅ Covers vehicle theft or significant damage (vandalism, accidents).

✅ Limits your financial liability.

✔️ PAI (Personal Accident Insurance):

✅ Covers medical expenses for driver and passengers in the event of an accident.

✔️ Tire and Glass Insurance:

✅ Protects against tire, windshield and glass damage that is often not covered by standard insurance.

How do deductibles & deposits work?

When you rent a vehicle, the rental company will apply a deductible, which is the maximum amount you will pay in the event of an accident or theft of the vehicle.

Here's an example:

If the deductible is $800 and the damage is $1,500, you will only pay $800 and the insurance will cover the rest.

If you choose an excess buy-back option, this amount can be reduced to €0.

A security deposit will also be blocked on your credit card when you pick up the vehicle. This will be refunded upon return of the vehicle if it is in good condition.

💡 Tip: Always remember to check the condition of the vehicle when you pick it up and report any anomalies immediately to avoid unjustified charges.

Using your credit card’s car rental insurance

High-end cards like Visa Premier or American Express may include Dominican Republic car rental insurance, but read the fine print. However, these policies often have exclusions, especially for luxury vehicles, long-term rentals or unpaved roads. Be sure to check before purchasing this insurance:

✅ Whether it covers the Dominican Republic.

✅If it includes CDW/LDW.

✅The maximum amount of coverage.

If your credit card doesn't cover all the risks, consider taking out additional insurance with Jumbo Car for total peace of mind.

Steps to take in case of accident or theft in Dominican Republic

If you are involved in an accident or your vehicle is stolen, here are the steps you should take immediately:

1. Secure the area and call the local police (911 in urban areas).

2. Contact your rental company (Jumbo Car) immediately to report the incident. 3.

3. Fill out an accident report with the other driver, if applicable.

4. Report the claim to your insurance company if you have third-party insurance.

Important: In case of vehicle theft, hand over the keys and the police report to the rental agency to avoid being held liable for negligence.

How to choose the best travel insurance for the Dominican Republic

Compare the different offers: some insurance companies offer more coverage at competitive prices.

Read the terms and conditions carefully: be aware of exclusions and deductibles.

Check the benefits of your credit card: it could save you money on additional insurance.

Opt for comprehensive coverage: all-risk protection will help you avoid unpleasant surprises.