If you envision the Caribbean as 700 dreamy, beachy islands surrounded by sapphire waters, think again. The Caribbean is home to domineering rainforests, arid deserts, active volcanoes, and above all, more diversity and complexity than you could ever imagine.

The culture and landscapes of each island in the Caribbean are unique. That means you can't expect to absorb it all in one vacation. So plan mindfully, and explore the depth of what the Caribbean promises, not the breadth. Another thing: Don't forget your Caribbean travel insurance, or you'll regret it. Here's why.

While most islands are peaceful, and the locals welcome tourists with open arms, you will be exposed to risks of all kinds the whole time you're there. Accidental injuries, freak incidents, hikes gone wrong, beach adventures gone bad, shoves and pushes (and god forbid, punches) in a skirmish—a lot could happen, you see. Letting your guard down can put you in a tight spot.

Caribbean travel insurance is your armor against the financial consequences of risks in this region. Choose a level of coverage that matches your itinerary so you know you won't have to deal with unexpected financial woes. Remember, an effective travel insurance plan provides benefits for the mishaps you know you're likely to face during your trip to the Caribbean.

There's more. On a long Caribbean vacation, all it takes is the airline cancelling your flight to set off events that cause great trouble and financial loss. While the cancellation is out of your control, its consequences are not. That's what Caribbean trip cancellation insurance is for. Nine out of ten travelers to the Caribbean buy travel insurance with trip cancellation coverage, and they are better for it. Compare plans, and buy one so that you can travel with peace of mind.

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