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Travel Insurance Bermuda


Bermuda Country Guide

  1. CountryFacts
  2. Health
  3. Media
  1. Intro
  2. Geography
  3. People
  4. Travel
  5. Embassies & Visas
  6. Finance
  7. Cities/Regions

Quick Facts

Region: North & Central America & the Caribbean
Full Name: Bermuda
Capital City: Hamilton
Language Spoken: English (official), Portuguese

Bermuda Travel Insurance

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Geographic data

32 20 N, 64 45 W

Elevation Extremes

lowest point: Atlantic Ocean 0 m highest point: Town Hill 76 m

Land boundaries

0 km

Natural hazards

hurricanes (June to November)

Natural resources

limestone, pleasant climate fostering tourism

Land use

arable land: 20% permanent crops: 0% other: 80% (55% developed, 45% rural/open space) (2005)

Environmental current issues

sustainable development


Sub-tropical, with no wet season. The Gulf Stream which flows between Bermuda and the North American continent keeps the climate temperate. Change of seasons comes during mid-November to mid-December and from late March through to April when spring or summer weather may occur and visitors should be prepared for both. Showers may be heavy at times but the skies usually clear quickly. Summer temperatures prevail from May to mid-November with the warmest weather in July, August and September ? this period is occasionally followed by high winds. Visitors should note that such high winds between June 1 and November 30 can (albeit rarely) turn into hurricanes and tropical storms. Since Bermuda is a small target, most storms brush by and only bring elevated surf. There are exceptions, however - the most recent being \'Fabian\', a direct hit on 5 September 2003.\nRequired clothing\nLightweight cottons and linens. Light waterproofs or umbrellas are advisable and warmer clothes for cooler months.

Time difference

time difference: UTC-4 daylight saving time: +1hr, begins first Sunday in April; ends last Sunday in October


65,773 (July 2006 est.)

Age structure

0-14 years: 18.6% (male 6,146/female 6,098) 15-64 years: 69.2% (male 22,562/female 22,954) 65 years and over: 12.2% (male 3,479/female 4,534) (2006 est.)

Median age

total: 40.2 years male: 39.3 years female: 41 years (2006 est.)

Population growth rate

0.61% (2006 est.)

Birth rate

11.4 births/1,000 population (2006 est.)

Death rate

7.74 deaths/1,000 population (2006 est.)

Net migration rate

2.4 migrant(s)/1,000 population (2006 est.)

Sex ratio

at birth: 1.02 male(s)/female under 15 years: 1.01 male(s)/female 15-64 years: 0.98 male(s)/female 65 years and over: 0.77 male(s)/female total population: 0.96 male(s)/female (2006 est.)

Life expectancy at birth

total population: 77.96 years male: 75.85 years female: 80.1 years (2006 est.)

Total fertility rate

1.89 children born/woman (2006 est.)

Business Practices

Business meetings in Bermuda tend to be formal by regional standards with lightweight suits or shirt and tie are acceptable. Calling cards and occasionally letters of introduction are used. Office hours are usually 0900-1700 Monday to Friday.


Bermuda has a moderate crime rate driven in part by drugs. Confrontational crime is rare. Serious incidents, including use of weapons, do occur, although the use of firearms remains rare. The murder rate is extremely low. The most-recorded crime, as shown in police records, is breaking and entering. There have been incidents of sexual assault. Chemical mace and pepper spray are illegal in Bermuda and it would be an offense for you to use it to defend yourself, even if attacked. Mace and pepper spray have been made illegal specifically to stop offenders from having access to it and from using it against their intended victims. Examples of common crimes include theft of unattended baggage and items from rental motorbikes, purse snatchings (often by thieves riding motorbikes), muggings, and thefts from hotel rooms. Valuables left in hotel rooms (occupied and unoccupied) or left unattended in public areas are vulnerable to theft. There are regular reports of thefts of money, valuables, and passports from hotels and guest-houses; keep hotel windows and doors locked at all times. Check-forging is also a significant crime. Avoid writing checks, but also guard all credit-card information closely. Particular caution should be exercised after dark, especially just after the bars close. Stick to well-lit parts of the island and avoid the quieter, dark streets. Outside the major urban areas there are few footpaths or street lighting. Possession or importation of even small quantities of drugs attracts severe penalties; ensure that no one has access to your luggage. The police force is professional and helpful. The emergency number is 911.


Hotels in Bermuda are all of a high standard and a number of international and business class hotels can be found.


Telephone IDD service is available. The country code is 441 and the outgoing international code is 011. The Bermuda Telephone Company operates the internal telephone system. Bermuda numbers dialed from within Bermuda should be prefixed with the last two digits of the country code (29 or 23) but there are no conventional area codes. Fax services are available from many hotels and offices.


is at 110 volts AC, 60Hz Using American (flat) 2-pin plugs. Electricity 110 volts AC, 60Hz. American (flat) two-pin plugs are standard.

Plug Types


Food And Dining

There is a vast variety of restaurants, cafes, bars and taverns to suit all pockets. Service will vary although generally table service can be expected. Hotel cooking is usually international with some Bermudan specialties.

National specialties:
? Bermuda lobster (in season from September to mid-April).
? Mussel pie.
? Conch stew.
? Cassava pie.
? Wahoo steak.
? Hoppin' John (black-eyed peas and rice).
? Fish chowder laced with sherry, peppers, rum and shark.
? Other seafoods include rockfish, red snapper, guinea chick (shiny lobster) and yellowtail.
? Peculiar to Bermuda is the Bermuda onion. Other fine home-grown products include pawpaw and strawberries in January and February, and a variety of local citrus fruit.
? Traditional Sunday breakfast is codfish and potatoes, which are served with red sauce, avocado and banana, while desserts include sweet potato pudding, bay grape jelly and loquat jam. National drinks:
? National drinks and cocktails have Golsing's Bermuda Black Seal rum as a base, and have colorful names such as Dark and Stormy (traditional local drink) and the famous Rum Swizzle.
? British, European and US beer is available.

When not included in the bill, 15 per cent generally for most services. Hotels and guest houses add a set amount per person in lieu of tips to the bill.

Most hotels offer a variety of entertainment. Dancing, barbecues, nightclubs and discos are all available. There are also island cruises such as the Hawkins Island Don't Stop the Carnival Party, which enables exclusive access to Hawkins Island (it is accessible only by boat) for entertainment - even the locals attend. Local music is a mixture of Calypso and Latin American, and steel band music is very popular. All the latest listings can be found in Preview Bermuda and This Week in Bermuda.

Entry departure requirements

Note Before entering Bermuda, it is essential to be in possession of either a return or onward ticket to a country to which one has a legal right of entry. Anyone arriving in Bermuda and intending to return to their own country via another one which requires a visa must obtain such a visa before arrival in Bermuda. Visitors are advised to check details with the British Overseas Territories Visa Section (see Passport/Visa Information). Restricted entry Admission will be refused to travelers intending to immigrate from Bermuda to the USA. Those who intend to visit the USA must possess an onward ticket to a country beyond the USA and the necessary documents to enter that country.

Visa immigration information


Passport valid for six months after date of entry into Bermuda required by all except:
1. nationals of Canada and the USA with an original birth certificate and official photo ID.


Required by all except the following:
(a) nationals of countries referred to in the chart above, and of their overseas territories, except nationals of the Slovak Republic and Slovenia, who do need a visa;
(b) citizens of Commonwealth countries (except nationals of Ghana, Jamaica, Nigeria, Pakistan and Sri Lanka who do need a visa);
(c) nationals of Andorra, Angola, Argentina, Benin, Bhutan, Bolivia, Brazil, Burkina Faso, Burundi, Cape Verde, Central African Republic, Chad, Chile, Colombia, Comoro Islands, Congo (Dem Rep), Congo (Rep), Costa Rica, Cote d'Ivoire, Dominican Republic, East Timor, Ecuador, El Salvador, Equatorial Guinea, Eritrea, Ethiopia, Gabon, Guatemala, Guinea, Guinea-Bissau, Honduras, Iceland, Indonesia, Israel, Korea (Rep), Laos, Libya, Liechtenstein, Madagascar, Mali, Mexico, Micronesia (Federated States of), Monaco, Mynamar, Nepal, Nicaragua, Niger, Norway, Panama, Paraguay, Peru, The Phillippines, Puerto Rico, Rwanda, San Marino, S?o Tom? e Principe, Senegal, Sudan, Surinam, Switzerland, Taiwan (China), Thailand, Togo, Turkey, Uruguay, Vatican City, Venezuela and Zimbabwe.


(a) Visa-controlled nationals who have the right to reside in the United States (Permanent Resident), Canada (Permanent Resident) or the United Kingdom (no limit on stay in the United Kingdom), and are in possession of proof of such status and a valid passport, do not require Bermuda entry visas. (b) Transit passengers from countries mentioned above must continue to a third country within five hours by the same aircraft, hold confirmed onward tickets and documentation and not leave the airport.

Types of visa and cost

Tourist: US$48


The permitted length of stay is initially three months. For extensions, permission should be sought from the immigration authorities in Bermuda (see address below).

Application to

Visa Section at UK Passport Office; see Passport/Visa Information.

Application requirements

(a) Valid passport with two blank pages. (b) One application form. (c) Proof of onward or return ticket. (d) Fee payable in cash.

Working days required

Four weeks. Processing by post may take longer.

Temporary residence

Persons intending to take up residence and/or employment will require prior authorization from the Department of Immigration, Government Administration Building, 30 Parliament Street, Hamilton HM 12, Bermuda (tel: 295 5151 and/or ext 1378; fax: 295 4115).

HIV entry requirements

No Test Required

Departure tax

A tax of BD$25 is included in air tickets. Children under two years and passengers in immediate transit are exempt.


Bermuda is a British Dependent Territory, and is represented abroad by British Embassies ? see United Kingdom section.

The UK Passport Service

London Passport Office, Globe House, 89 Ecclestone Square, London SW1V 1PN, UK
Tel: (0870) 521 0410 (24-hour national advice line) or (020) 7901 2150 (visa enquiries for British Overseas Territories).
Opening hours: Mon-Fri 0730-1900; Sat 0900-1600.
Personal callers for visas should go to the agency window in the collection room of the London office.

Most visits to Bermuda are trouble-free but you should be aware of the global risk of indiscriminate international terrorist attacks, which could be against civilian targets, including places frequented by foreigners.
This advice is based on information provided by the Foreign, Commonwealth & Development Office in the UK. It is correct at time of publishing. As the situation can change rapidly, visitors are advised to contact the following organizations for the latest travel advice:

British Foreign, Commonwealth & Development Office


US Department of State



Bermuda Dollar (BMD; symbol BD$) = 100 cents. Notes are in denominations of BD$100, 50, 20, 10, 5 and 2. Coins are in denominations of BD$1, and 25, 10, 5 and 1 cents. Note The Bermuda Dollar is at par with the US Dollar.

Currency restrictions

There is no limit to the import of local or foreign currency, provided declared on arrival. Unless especially authorized, the export of local currency is limited to BD$250. There is no limit to the export of foreign currency. A police officer may seize and detain any cash which is being imported into or exported from Bermuda if the officer has reasonable grounds for suspecting that it directly or indirectly represents any person's proceeds of criminal conduct or is intended by any person for use in any criminal conduct.

Banking hours

This ranges between Mon-Fri 0900-1630, with one bank having additional hours of Sat 1000-1500.

Currency exchange

US Dollars are generally accepted at parity. It is illegal to exchange money other than at authorized banks or bureaux de change.

Credit cards

American Express, MasterCard and Visa are accepted at most large hotels, shops and restaurants. Check with your credit or debit card company for details of merchant acceptability and other services that may be available.

Travellers cheques

US Dollar cheques are widely accepted. To avoid additional exchange rate charges, travelers are advised to take traveller's cheques in US Dollars.

City/RegionCity/Area codeFollowed by
Bermuda(1+)441+ 7 digit subscriber nr
  1. Health Information
  2. Recent Disease Outbreak
  3. Hospital Database

Dental care

A high standard of dental care is available in Bermuda

Medication Availability

Supplies of international medications are generally available in Bermuda

Blood supplies

Blood supplies are considered safe and screened to international standards

Medical facilities

Quality medical care is available. The sole general hospital typically will request evidence of ability to pay for services upon application for treatment.

General caution

Recent medical and dental exams should ensure that the traveler is in good health. Carry appropriate health and accident insurance documents and copies of any important medical records. Bring an adequate supply of all prescription and other medications as well as any necessary personal hygiene items, including a spare pair of eyeglasses or contact lenses if necessary.

Specific concerns

Because the source of water supply is rainwater stored in cisterns, the possibility of contamination always exists. Simple precautions and periodic testing of each water supply have made this problem minimal. The Portuguese man-of-war abounds in waters off Bermuda. Their stings produce serious but not fatal illness among swimmers. If you are stung, get immediate medical care. Those with respiratory ailments may suffer from the humid climate (which also seems to activate potential arthritis in those susceptible).


All routine vaccines (such as DTP or Td, Hib, MMR, polio, varicella, influenza and pneumococcal) should be kept up-to-date as a matter of good health practice unrelated to travel.

Disease risk summary

No unusual communicable disease or severe epidemics have been recorded in the last few years. Tuberculosis exists in Bermuda, but its incidence is decreasing and cases are rigidly controlled. The incidence of communicable diseases is such that they are unlikely to prove a hazard for the international traveler greater than that found in his own country. There are, of course, health risks but in general the precautions required are minimal. High levels of immunization coverage have reduced the incidence of diseases such as measles and diphtheria. Influenza risk extends from November to April.

Entry requirements


Recent disease outbreaks

No recent disease outbreaks

44 Devon Spring Road Devonshire FL01
Hamilton Health Centre67 Victoria Street Hamilton
King Edward VII Memorial Hospital7 Point Finger Road Paget PO Box HM1023 DV04


The islands' broadcasting scene is dominated by two players, the Bermuda Broadcasting Company and VSB. As well as home-grown broadcast media, most homes and hotel rooms have access to the multichannel, international offerings of cable and satellite TV services.
Press: The main newspapers are The Mid-Ocean News (weekly), The Royal Gazette (daily) and The Bermuda Sun (twice-weekly).
TV: Bermuda Broadcasting Company (BBC) operates ZFB TV (Channel 7) and ZBM TV (Channel 9); VSB operates VSB TV (Channel 11).
Radio: Bermuda Broadcasting Company (BBC) operates ZBM AM, ZFB AM, ZBM FM 89 and Power 95; VSB operates Mix 106, 1450 Gold, VSB 2 and VSB 3.