A lot of countries have added travel health insurance as part of their visa requirements. But if we travel to a place where visas are not required, travel insurance is usually optional.
Here is the complete list of countries that require travel insurance:
Check here if you need travel insurance to travel abroad:
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Following the COVID-19 pandemic, several countries have made travel insurance mandatory if travellers wish to enter. This is usually in addition to a negative PCR test. The countries which now require travel health insurance before allowing you in are:
The USA does not necessarily require foreign visitors to obtain travel health insurance before they’re allowed to enter, however, it is highly recommended. The US is known for having very high healthcare costs, where a simple ER visit can reach thousands of dollars. If you need hospitalization or more extensive treatment, the bills that can reach tens, if not hundreds of thousands of dollars.
If you do not have health insurance, you will have to cover all of the expenses yourself. This is why US travel health insurance is a must for all visitors, no matter how short the visit is. Get a free quote for visitors now!
Anyone who applies for a Schengen Visa has to submit proof that they have obtained Schengen travel health insurance for the entire duration of their stay. The insurance must be at least €30,000 and valid in all 29 Schengen countries.
Travellers who do not normally need a short-stay visa for Schengen may not be required to purchase travel insurance but that doesn’t mean it’s not a good idea to do it anyway! Get a free Schengen visa insurance quote now!
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa-free countries | No |
You can also purchase Schengen visa travel insurance directly through MondialCare and Europ Assistance .
If you are from one of the following countries, you have to get travel health insurance covering at least €30,000 for illness, accidents, and repatriation for the entire duration of your stay when applying for a visa to Algeria:
After the 2019 Covid pandemic, Argentina is one of the many countries that made travel insurance a requirement for all who want to enter the country. So, at the moment, you need to have a valid travel insurance policy that covers Covid-related expenses if you want to visit Argentina.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa-free countries | Yes |
Before entering Aruba, you are required to purchase a health insurance plan from the Aruban government which covers up to $75,000 in medical expenses.
The only ones exempt from purchasing Aruba health insurance are visitors who arrive and leave the same day, travellers in transit who do not need to recheck their luggage, and Aruban students returning from abroad.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa free countries | Yes |
Cuba’s vibrancy, sandy beaches, tropical climate and the beautiful colonial architecture make it a popular tourist destination. However, before you can hop on a plane, or apply for a Cuban visa you will very likely have to make sure you’re equipped with adequate travel health insurance for Cuba (covering sudden illness, accidents, and repatriation). Travel insurance is a requirement regardless of what type of visa you apply for.
You have to get travel insurance even if you don’t need a visa for Cuba at all.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa-free countries | Yes |
Ecuador, named after the Equator line which runs across the country*, will also not let you in if you don’t have Ecuador travel health insurance. You must get health insurance (either private or public) which will cover the duration of your stay in Ecuador. This applies to tourist visas as well as temporary and permanent resident visas.
*They have actually drawn a line across the ground, marking the two sides of the Equator, and you can stand with one leg on the Northern Hemisphere and one leg on the Southern one. It’s pretty cool.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa-free countries | Yes |
In the past few months, Fiji has removed almost all travel restrictions, but because of Covid, foreign visitors are still required to purchase travel insurance before entering the island. The travel insurance policy must cover Covid-related health issues, reparation, and quarantine expenses. Only returning residents are not required to provide evidence of travel health insurance.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa-free countries | Yes |
If you apply for a Georgian visa or eVisa, then you have to submit a valid travel insurance plan, covering a minimum €30,000 worth of medical expenses, valid for the entire duration of your stay.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa free countries | No |
To enter Lebanon, all travellers must have travel insurance covering the entire duration of their stay and all treatment for COVID-19 on Lebanese territory. If you do not possess a valid travel insurance certificate, you have to buy it upon arrival at Rafik Hariri International Airport-Beirut.
Exempt from this requirement are only the staff of international organizations, UNIFIL and members of the Lebanese National Social Security Fund.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa free countries | Yes |
All foreign travellers who enter Iran must have adequate travel insurance. This applies to those travelling via an Iran visa obtained at an Embassy or an Iran Visa on Arrival. If someone does not have travel insurance, many travellers have reported they had to buy it at the airport, at the office for issuing travel insurance for foreign nationals.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa-free countries | Yes |
All foreign visitors who want to enter Isreal must purchase travel health insurance. The requirement comes as a result of the pandemic and remains valid for the foreseeable future. But, you need to make sure your travel insurance policy for Israel provides coverage in case you get sick with Covid.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa-free countries | Yes |
Inspired by the events of the pandemic, Jamaica has launched the “Jamaica Cares” program, a health insurance service for foreign visitors. With this program, all foreign visitors, i.e., all those who hold another passport than the Jamaican passport, must pay a $50 fee to enroll in the program before entering the country.
The program offers services regarding the logistics of repatriation, evacuation, field rescue, and similar services. It will also provide coverage up to a limit of $50,000 for medical emergencies on the island and up to $100,000 for emergency lift-off from Jamaica. The program is not related to the end of the pandemic and will continue to be compulsory for every non-Jamaican citizen.
Please note that enrolling in “Jamaica Cares” is compulsory even if you hold a valid health insurance policy.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa-free countries | Yes |
Travel health insurance is mandatory for all foreign visitors who want to enter Jordan. Your travel insurance must be valid for your entire stay in Jordan and cover all emergency medical services, including repatriation and evacuation. If possible, you should also include coverage for Covid for your visit to Jordan, so you can be protected in case you get infected with the virus and require medical attention.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa-free countries | Yes |
Similarly to other European countries, if you have to apply for a Moldovan visa, you have to purchase a travel insurance policy covering at least €30,000 in medical expenses.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa free countries | No |
Morocco receives millions of visitors every year, who come to visit the popular attractions like the Marrakech Medina, Casablanca, Rabat’s picturesque Oudaias Kasbah neighbourhood, and its countless breathtaking mosques.
Anyone who travels to Morocco or applies for a Moroccan visa is advised to obtain travel insurance. However, not every Moroccan representative office will ask you to submit proof of travel health insurance for Morocco along with the visa application… but they might.
| Group of travelers | Mandatory |
| Visa applicants | No |
| Visitors from visa-free countries | No |
Since June 10, 2022, vaccinated individuals who are eligible for a visa on arrival in Nepal only need to provide proof of vaccination and a filled-out health status form (CCMC form). However, if you’re applying for a visa before entering Nepal, you may be required to purchase a travel health insurance policy— you need to verify this with a local embassy or Nepalese consulate. But, please keep in mind that US citizens who apply for a tourist (reciprocal) visa must have a purchased health insurance policy before applying for the visa.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa-free countries | No |
Since May 2022, Qatar has made travel health insurance obligatory for all visitors. The new health insurance law is based on a previous scheme canceled in 2015. But, now the law is in place, and it dictates that all foreigners, non-Qatari and expats, who want to travel to the country must purchase a valid health insurance policy for their stay. The new insurance law affects Qatar employers, who are now obligated to register their foreign employees with the mandatory health insurance scheme.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa-free countries | Yes |
If you need a visa to travel to Romania, you have to show proof you have obtained travel health insurance for the entire duration of your stay, which covers at least €30,000 of medical expenses.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa free countries | No |
Health insurance in Rwanda is obligatory for all foreigners in the country— including visitors. You’ll be asked to choose one upon arrival if you do not have a travel health insurance policy before entering the country.
For this reason, it’s best to pick out a travel health insurance plan beforehand, so you don’t choose an inadequate policy in a hurry. Please note that you must also have yellow fever vaccinations to enter the country.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa-free countries | Yes |
All travellers to Seychelles are required to obtain a travel health insurance policy from a company in their country before being allowed to enter.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa free countries | Yes |
Before getting a visa for Togo, you must buy a travel health insurance policy or submit proof you have paid a repatriation deposit, in the tragic event of death.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa free countries | No |
If you’re travelling to Dubai or another city in the United Arab Emirates, you have to present proof that you have obtained travel health insurance. This is a requirement for all foreign visitors, regardless of whether they need a UAE visa or not.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa free countries | Yes |
Another place where you won’t be able to visit without a comprehensive travel insurance policy if Turkey. Visa-required visitors under the age of 65 are required to have travel insurance with minimal coverage of €30,000 for the Turkish territory.
Health insurance is also obligatory for foreigners who want to get a Turkish residence permit, except retirees over the age of 65.
If you are from an EU country, you don’t have to apply for a Turkish visa, but you still need travel insurance since your EHIC is not functional in Turkey.
| Group of travelers | Mandatory |
| Visa applicants | Yes |
| Visitors from visa-free countries | No |
Travel insurance is a type of protection for your trip. It ensures that you will receive compensation for any unplanned expenses due to medical emergencies abroad, loss of personal items while travelling, for missed or delayed flights, or in case you have to cancel your trip.
So, if you get into an accident or become ill while you’re in a foreign country and have to get medical assistance, then your travel insurance will cover the cost of your medical bills.
If you have to cancel your trip for some reason, then your travel insurance makes sure you don’t lose all your money. They will reimburse you part of your pre-paid expenses, such as accommodation and flight.
If you lose your luggage or it gets stolen during your travels, then your travel insurance will reimburse you for the cost of lost items.
You can get even more coverage, such as repatriation or emergency evacuation, where your insurers cover the costs of you having to evacuate a foreign country.
Some countries demand that you have travel insurance so that you can pay for your medical expenses. In some cases, healthcare is really expensive, and tourists leaving without paying their medical bills can put a strain on the hospitals.
A good travel insurance policy should cover any medical emergencies which may happen abroad, as well as protect you against financial loss. You can customize it according to your needs, but a basic policy must always have the following features: