Dominican Republic — Insurance

Buy insurance before arrival and check how the insurer handles direct billing: private clinics in the tourist zones are notorious for inflating tourist bills and demanding payment guarantees up front. International private-clinic chains operate around Bávaro, Sosúa, and Santo Domingo, and the capital has the country's best hospitals. Private laboratories run same-day HIV/STI panels cheaply, and PEP is available through private hospitals in Santo Domingo — it must start within 72 hours. Condoms are sold in every pharmacy and most colmados.