Marshall Islands (MH)

A remote Micronesian atoll nation using USD, with English as an official language, a Compact of Free Association relationship with the United States, high imported-goods costs, limited medical capacity, and relocation risks centred on immigration status, housing supply, land tenure, health evacuation, and outer-island logistics.

Capital: Majuro

Region: Oceania

Language: Marshallese

Currency: USD ($)

Cost of living: Moderate (index 58)

Emergency: 911 / 625-8666

Insurance Guide

Which insurances you actually need in Marshall Islands, prioritised.

Insurance planning in the Marshall Islands is less about domestic product choice and more about international protection: health evacuation, liability, property contents, vehicle, travel disruption, cyclone/flood, and income continuity. Local capacity is limited and policies should be checked for RMI coverage specifically.

Legally Mandatory

- Vehicle third-party liability may be required by registration/insurer rules
- Employer-required workers coverage or group health where applicable
- International health insurance may be required by employer/school/permit even where not universally mandated by statute

International health insurance with evacuation

essential

Covers routine care, hospitalisation, overseas referral, and evacuation.

Who needs it: Every expat and dependant

Annual cost: $1,500-$6,000+ adult; family plans higher

Cigna GlobalBupa GlobalAllianz CareGeoBlueEmployer group plan

Must name Marshall Islands as covered territory and include evacuation.

Vehicle insurance

essential

Third-party liability and optional damage cover.

Who needs it: Drivers and car owners

Annual cost: $300-$1,500+ depending on vehicle

Local insurers/brokersBank-referred insurers

Parts delays make even small accidents expensive.

Travel disruption insurance

recommended

Covers missed connections, flight cancellations, baggage, and emergency travel.

Who needs it: Anyone using Island Hopper, domestic flights, or outer-island travel

Annual cost: $150-$800/year

Allianz TravelWorld NomadsCredit-card travel policies

Check exclusions for weather, remote islands, and one-way relocation.

Contents insurance

recommended

Protects personal belongings from theft, water, fire, and storm damage.

Who needs it: Renters with shipped goods or electronics

Annual cost: $200-$1,000+

Local brokersInternational expat insurers

Mould, flood, and cyclone exclusions are common.

Professional liability

recommended

Covers professional negligence claims.

Who needs it: Consultants, teachers, healthcare workers, engineers, NGO advisers

Annual cost: $500-$5,000+

Home-country professional insurersInternational brokers

Ensure work in RMI is within territorial coverage.

Income protection / disability

recommended

Replaces income during illness or injury.

Who needs it: Single-income families and contractors

Annual cost: $500-$3,000+

Home-country insurersInternational brokers

RMI welfare support for expats is limited.

Comparison sites

InternationalInsurance.comPacific-focused insurance brokersEmployer HR plan comparisons

Get evacuation destination in writing

Check cyclone, flood, mould, and salt-water exclusions

Keep insurer emergency numbers offline

Confirm direct billing is not assumed in Majuro

Do not rely on credit-card travel insurance for long residence

Premium Section

Insurance

Unlock the complete Insurance guide for Marshall Islands — including every detail, document, tip and link you need.

Become a Supporter

Support the guide on Ko-fi · Unlocks every premium section, everywhere