Maximum Alerts / Bermuda

BermudaLevel 1/4

Updated on 16 September 2026 · source checked daily

Bermuda — official level as of 16 September 2026: Level 1/4 ("Exercise Normal Precautions"), from the U.S. Department of State. Maximum Insurance covers this country: hospital settled directly, unlimited repatriation, CHF 1.5M, certificate on payment.

Four official readings
United StatesState Departmentsource ↗Our reference level — the one shown across this site
Is the whole country advised against?Nono restriction on the whole country
Level 1/4 — “Exercise Normal Precautions”levels 1 and 2 are advice to be careful, not travel restrictions
FranceFrance Diplomatiesource ↗Added on top of the U.S. level, under its own rules: red or orange AREAS
Is the whole country advised against?Not read todayFrench advisory not retrieved this morning — this is not a No
our reading: Security page not retrieved right now
United KingdomFCDOsource ↗Added on top of the U.S. level, under its own rules: travel statuses
Is the whole country advised against?Nono restriction on the whole country
our reading: no travel advised against
source reviewed 1 November 2025
SwitzerlandFDFAsource ↗Advisory cited by the Maximum policy
Is the whole country advised against?Nono restriction on the whole country
our reading: the FDFA advises against no travel

One source could not be read: the cell says so — that is not an answer.

The three readings that take a position agree: no restriction on the whole country.Our comparison reading: 15 September 2026

All 207 countries compared, advisory by advisory →

How we read these four advisories

Every country has its own scale, so we ask them all the same question: is the whole country advised against?

An advisory covering only areas of the country does not raise the answer: it stays “No”, and the area is shown in the relevant column.

The level shown on this page — and across this site — is the one published by the U.S. State Department, from 1 (normal precautions) to 4 (do not travel). France and the United Kingdom publish their own advisories, with their own rules: they add to that level, they do not replace it.

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Regional map…
Level 1/4 — Exercise Normal Precautions Checked on 16 September 2026 · U.S. State Department
Country briefing
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The comparator

What is your current insurance?

The verdict
No area exclusion at this level — but three written limits: deductible and prior approval, 90-day cap, advance under conditions.
Exact wording (official French text): « Des Voyages vers des pays où Votre gouvernement a conseillé de ne pas voyager » — general exclusion n° 11, applying to ALL travel covers.
Line by line
Cover
With your Amex Platinum
Territorial exclusion at this level
No territorial exclusion at this level — the clause targets countries your government advised against travelling to
Covered — the core of the Maximum contract
Medical expenses cap abroad
€2M — but 10% deductible (€150–500), insurer's prior approval, trip paid with the Card
CHF 1.5M emergency medical expenses
Hospital deposit before admission
Advance possible — prior approval required before care
Direct payment guarantee: the insurer settles the hospital
Trip duration covered
Maximum 90 consecutive days per trip
12 months, unlimited trips
Visa certificate (incl. Schengen)
Not provided
Official named certificate, issued on payment

Notices vary by bank and vintage — yours prevails. On the right: the Maximum contract (public documents).

Your next stay in Bermuda

We check for you whether your current cover holds for your next stay in Bermuda.

You
Your current cover
Length of this stay

A Maximum expert calls you back, goes through your cover with you, and tells you what holds — and what is missing. Free, no commitment.

On the ground

The real medical network around Hamilton

What public sources give around Hamilton: hospitals and clinics, nearest evacuation airport. In an emergency, one reflex: +41 22 ••• •• ••.

The closest to the city centre is Horizon, 0.2 km away. A medical evacuation would depart from L.F. Wade International Airport (BDA), 11.9 km from Hamilton.

🏥 Medical network — Hamilton
  • King Edward VII Memorial Hospitalemergency department1.6 km from the centre of Hamilton · tel. +1-441-236-2345
  • Mid-Atlantic Wellness Instituteemergency department3.7 km from the centre of Hamilton · tel. +1-441-236-3770
  • Horizon0.2 km from the centre of Hamilton
  • Somers Medical Services0.3 km from the centre of Hamilton · tel. +1-441-295-1110
  • Orthopaedic and Sports Medicine Clinic0.3 km from the centre of Hamilton · tel. +1-441-292-6740
  • Island Health Services0.3 km from the centre of Hamilton · tel. +1-441-296-9733
  • Premier Health & Wellness Centre0.4 km from the centre of Hamilton · tel. +1-441-292-5111
  • Edgewood Pediatric Service0.7 km from the centre of Hamilton
✈️ L.F. Wade International AirportBDA11.9 kmNearest evacuation airport from Hamilton — unlimited medical evacuation and repatriation included.
💱 Currency: BMD $ · 🗣 Language: English
In an emergency from Hamilton, your reflex remains +41 22 ••• •• ••Full number in your client area.

None of these facilities is a Maximum Insurance “partner”, and none is presented as waiving upfront payment: this list is a reading of public map data, nothing more. A direct payment guarantee is arranged CASE BY CASE by our assistance desk, facility by facility and when the need arises — one number, +41 22 ••• •• ••.

Sources: facilities and airport are recorded in OpenStreetMap — data © OpenStreetMap contributors, available under the Open Database License (ODbL). Distances are straight-line, measured from the centre of Hamilton: a real journey is always longer.

Frequently asked questions — travel insurance Bermuda

What is the official risk level in Bermuda today?

Level 1/4 ("Exercise Normal Precautions") according to the U.S. Department of State, retrieved on 16 September 2026. Maximum Insurance checks this official source every day.

What does Maximum Insurance do in Bermuda?

The Pack VIP ($990 for twelve months, unlimited trips) covers CHF 1.5M emergency medical expenses, unlimited evacuation and repatriation, the direct payment guarantee in hospital, and a nominative certificate in the format visa applications require, Schengen included. The Pack VIP Extreme adds crisis management & security and Kidnap & Ransom (subject to eligibility).

Do I need an insurance certificate for a Bermuda visa?

Many consulates require proof of international medical cover before issuing a visa — Schengen included for non-European travellers. Maximum Insurance issues the official named certificate on payment, accepted for these procedures.

What should I do if hospitalised in Bermuda?

One reflex: call +41 22 ••• •• •• (24/7). Within our worldwide medical network — 45,000 medical providers — the insurer sends its direct payment guarantee: the hospital is settled directly, no deposit advanced by the traveller.

Is an Amex, Visa or Mastercard enough in Bermuda?

These are travel-insurance options, with a public notice. At level 4/4 (Do Not Travel), several notices rule the trip out (Amex, exclusion no. 11; Mastercard Fortuneo, art. 5.5). Below that, the area exclusion generally does not apply — 90 days max, reimbursement afterwards, no visa certificate remain. The VIP Pack runs 12 months, pays the hospital, and issues the certificate on payment.

Are a health plan or a travel policy enough in Bermuda?

A health plan treats you at home: the hospital here asks for a guarantee before admission. A travel policy has its own terms — often a territorial clause at level 4/4, and 90 days. Without the document (IPID number or PDF), we cannot say. Ask a Maximum Insurance expert to call you back.

Same advisory level: Martinique · Micronesia · Mongolia · Montserrat · Montenegro · Nauru

Cross-check with official sources
U.S. State Department → UK FCDO → France Diplomatie → DFAE (Suisse) →

The displayed level comes from the State Department, checked every morning. Before departure, always cross-check your country of residence's advisory: that is what your policy cites.

The level shown is the official U.S. Department of State level, checked daily. Maximum Insurance is an insurance distributor — general information, not personal advice.

Travel covered to Bermuda
Get the Pack VIP — $990/yr Cover a team

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Go further
Insured in an advised-against country What a repatriation really costs Who pays the hospital abroad Where the United States, France and the United Kingdom disagree What insurance do you need for an assignment abroad? Insuring a team that travels: you cover a headcount, not names

All 13 files, together → · All 207 countries →

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