Looking for a tropical getaway that you can drive to from the continental USA? The Florida Keys have you covered. This coral cay archipelago starts just 15 miles from Miami, and ends barely 90 miles from Cuba.
If you want to discover Key West, the Dry Tortugas, and the laid-back tropical vibe of the Florida Keys, read up on the travel insurance you need and get ready to start planning your getaway.
Trip Cancellation Insurance for Travelers visiting the Florida Keys – FAQs
Taking a domestic trip to the Florida Keys will likely involve a flight or two, and certainly a hotel or vacation rental. But what if it also involves you getting sick and not being able to go? That’s when you need trip cancellation insurance.
Why should I get trip cancellation insurance before traveling to the Florida Keys?
Trip cancellation insurance can reimburse you for the nonrefundable portion of your prepaid travel expenses if you have to cancel your trip for a covered reason. This is incredibly important, as most prepaid travel expenses (hotels, airfare, etc.) are not refundable. Don’t get stuck paying for a trip you can’t take. Get travel insurance instead.
What can be covered by trip cancellation insurance for the Florida Keys?
Trip cancellation coverage is important, but it isn’t the only coverage you can get with a travel insurance plan. Most can also cover you in cases of:
Some plans can even offer you the option to cancel for any reason. But it’s up to you which plan offers the features that suit you best. Compare multiple options on this website before deciding which one is the best choice for you.
The Florida Keys’ Most Popular Tourist Attractions
Stretching 125 miles off the southern coast of Florida, the Keys are packed with places to see and things to do. Here are our recommendations.
Key West
You can’t visit the Florida Keys without going to Key West. It’s the southernmost point of the continental US, the largest population center in the Keys, and a place with a unique (some would say quirky) vibe that you have to experience. Spend your days relaxing at beach bum bars, visit Ernest Hemingway’s house, or pop in and out of the many shops and pubs on Duval Street. Key West is magical.
Bahia Honda Key
There isn’t much on Bahia Honda Key, but that’s the whole point. It’s home to Bahia Honda State Park, a 524-acre natural oasis with rare plants and serene views. Should you decide to go snorkeling you’re sure to see fascinating marine life such as barracudas, rays, and maybe even a shark. But don’t worry. Only nurse sharks typically occupy the area. They’re friendly towards humans and pose no danger so long as you leave them be.
Islamorada
This village in Monroe County sits on five keys: Lower Matecumbe Key, Plantation Key, Tea Table Key, Upper Matecumbe Key, and Windley Key. It’s considered by many to be the “Sportfishing Capital of the World.” Anglers from all over comes to Islamorada to try their hand at fishing for tuna, marlin, and sailfish. It's also a popular place to set off on an island-hopping trip. You can rent a boat and cruise over to see historic ruins at Indian Key State Park, or indulge in nature’s beauty at Lignumvitae Key Botanical State Park.
Big Pine Key
Big Pine Key is a perfect setting for those who enjoy nature and tranquility. Here, you can kayak through the backcountry, keeping an eye out for endangered key deer, or even visit the National Key Deer Refuge. You can also take a short boat ride from Big Pine Key to No Name Key where you can enjoy secluded beaches, sunlight, and clear waters that are perfect for snorkeling.
Dry Tortugas National Park
If you’re willing to go beyond Key West by sea, Dry Tortugas National Park is well worth it. Located 70 miles west of Key West, this park is best known for Fort Jefferson, a 19th century brick fortress that was once a military installation. You can explore all around, and take a dip in the water and go snorkeling throughout the day. Just keep in mind that the park is only accessible by boat.
Key Guidelines for Visitors to the Florida Keys
How to Get There
Most people enter the Keys by driving. The 130-mile Overseas Highway runs from near Miami all the way to Key West and is quite a scenic drive. You can drive your own car, rent a car, or take a bus charter. You can also elect to take a ferry directly to the Keys from Fort Myers, or fly into Key West International Airport.
When to Visit
Due to their southern latitude, the Florida Keys remain warm all year long. However, the best time to visit is typically between December and March when the humidity is low and daily temperatures usually reach around 75°F (24°C). Just keep in mind that crowds can be quite large during this time of year. You can certainly visit in the summer and early fall, but be prepared to dodge daily thunderstorms and deal with high humidity. If you prefer smaller crowds and warmer weather, visit in April or May.
Hurricane Risks
Atlantic hurricane season starts in June and runs through November, and the Keys are always at risk. Though devastating hurricane strikes are rare and predicted fairly far in advance, tropical storms can ruin a trip at best, and be dangerous at worst. Keep in mind all the risks of traveling during hurricane season if you wish to visit during this time.
Before You Visit the Florida Keys – Do This
- Pack sunscreen, sunglasses, and a hat. You’re going to be outside a lot, and sun can be fierce.
- Consider an April or May visit to avoid winter crowds and spring breakers.
- Purchase travel insurance .