If you’re planning to jet off for your next adventure overseas, you might want to consider whether your destination requires travel insurance or travel medical insurance for entry. Every year more countries consider implementing insurance requirements for their foreign visitors.
COVID-19 coverage is now mandated by many countries for their visitors. You can arm yourself with travel medical insurance for unforeseen medical emergencies you may face abroad.
PRO TIP! For the most up-to-date information regarding entry requirements and restrictions, check out our travel restrictions map. Select your destination country and vaccination status to learn what requirements each country has.
Why Are More Countries Requiring Insurance?
The list of countries that require travel insurance upon arrival had been gradually increasing over the years before the COVID-19 pandemic began.
Negative experiences of unpaid medical bills by foreigners have caused hospitals and healthcare organizations to push for insurance requirements so that these incidents are less likely to happen.
Many countries have also implemented testing requirements and quarantines and mandated proof of health insurance that includes COVID-19 treatment coverage.
See which countries require travel insurance, travel medical insurance, or COVID-19 coverage for entry.
Jump Ahead to See Your Travel Destination’s Requirements
- Schengen Area
- British Virgin Islands
- Cayman Islands
- French Polynesia
- Saudi Arabia
- Sint Maarten
- Sri Lanka
- Turks and Caicos Islands
What’s the Difference Between Travel Insurance and Travel Medical Insurance?
Travel insurance serves to insure a financial investment in a trip. The core benefit of travel insurance is the trip cancellation benefit, which provides reimbursement for nonrefundable, prepaid expenses if you must cancel your trip due to a covered reason. Many travel insurance plans provide additional benefits related to other travel expenses as well. Coverage for medical expenses may or may not be included depending on the plan.
Travel medical insurance provides coverage for unexpected health expenses you might incur while outside of your home country. Your regular health insurance may not cover you abroad, and there’s always a chance you could get injured or fall sick and need medical care during your trip. Travel medical insurance typically provides additional coverage for various travel scenarios but does not include a trip cancellation benefit.
Countries that Require Travel Insurance for Entry
Those planning to travel abroad to the following countries must ensure they have a travel insurance or travel medical insurance plan that provides the required coverage in their desired destination.
A plan like Atlas Travel® from WorldTrips® can provide travel medical insurance coverage you may need for your trip. A plan like Atlas Journey™ from WorldTrips can provide trip cancellation coverage in addition to coverage for some emergency medical expenses. All WorldTrips insurance plans provide medical coverage for eligible expenses related to COVID-19.
Travelers planning to explore Europe may need to obtain a Schengen visa. This is a visa that citizens from certain countries—not including the U.S.—must carry in order to enter the 26 European states of the Schengen Area.
Those who apply for a Schengen visa must provide proof of travel medical insurance that covers emergency medical expenses, hospitalization, and repatriation, according to the European Commission. The minimum coverage must be at least €30,000, and the insurance must be valid for the entire stay in the Schengen Area.
IMPORTANT! Do you know which countries are included in the Schengen Area? See the list of included countries below:
- The Czech Republic
- The Netherlands
Learn more about the Schengen visa.
Travelers to Argentina are required to have health insurance with COVID-19 coverage that includes both hospitalization and isolation. There are no minimum requirements for coverage, so just make sure your plan covers these costs.
If you want more information regarding entry requirements and exceptions, visit the Argentina government website.
Foreign travelers to Aruba are now required to purchase the country-sponsored COVID-19 health insurance prior to visiting. Any other medical coverage CANNOT be substituted for the required plan. However, you can purchase additional coverage to supplement the country-sponsored insurance. This requirement does not apply to travelers staying in Aruba for less than 24 hours.
Visitors can purchase the plan from the official Aruba Visitors Insurance website.
Find the most up-to-date information on insurance requirements at the Aruba Traveler Health Requirements page.
The Bahamas requires all visitors to fill out a Travel Health Visa application for entry into the country. This visa requires applicants to opt in to the COVID-19 health insurance plan that covers them during their stay in The Bahamas.
The mandatory health insurance covers:
- Medical expenses incurred in the country due to COVID-19 (up to $50,000)
- Trip interruption/delay coverage for necessary quarantine or isolation because of COVID-19 (up to $500 per day with a $7,000 maximum)
- Medical evacuation coverage due to COVID-19 (subject to medical necessity, up to $50,000)
The cost of insurance is dependent on the length of stay and is included in the Travel Health Visa application fee.
Check the U.S. Embassy in The Bahamas for updated information and a link to the Bahamas Travel Health Visa application.
IMPORTANT NOTE FROM THE U.S. DEPARTMENT OF STATE: “Do not travel to Belarus due to the arbitrary enforcement of laws, the risk of detention, the Russian military attack on neighboring Ukraine, and the buildup of Russian military in Belarus along the border with Ukraine. U.S. citizens in Belarus should depart immediately via commercial or private means.”
Click here for important information for U.S. citizens seeking to depart Belarus.
This eastern European country requires travelers to have valid medical insurance for their trip to the country. The insurance plan must have a minimum coverage amount of 10,000 EUR (or about $11,000 USD) according to the U.S. Department of State Country Information page for Belarus.
Travelers can visit the Department of State Country Information page for Belarus for details regarding insurance requirements and entry requirements.
Travelers to Belize are required to purchase travel health insurance with COVID-19 coverage from Insurance Corporation of Belize Limited, the insurance provider designated by the government. This plan costs $18 USD and provides 21 days of coverage.
For more information regarding this insurance, visit the Belize Travel Insurance website.
The country of Bolivia requires its visitors to have health insurance that covers COVID-19. There are no minimum requirements for health insurance, and this requirement doesn’t apply to nationals and permanent residents of Bolivia.
Want more details about Bolivia’s entry requirements? Visit the U.S. Embassy for Bolivia website.
British Virgin Islands
Visitors to the British Virgin Islands are required to provide proof of insurance with COVID-19 medical coverage and quarantine coverage. This will be required when filling out the Travel Authorization Certificate prior to travel.
Check out the Eastern Caribbean COVID-19 page on the U.S. Embassy website, which features the most updated COVID-19 information and entry requirements.
Brunei is a country in Asia that is completely surrounded by Malaysia. If your travels lead you here, make sure you have health insurance. All travelers to Brunei must provide proof of travel health insurance covering COVID-19-related costs. Travelers’ policies must cover a minimum of $50,000 BND (or about $37,000 USD).
Visit the U.S. Embassy for Brunei website for more entry requirements and details.
Planning a trip to the Cayman Islands? Travelers must apply for entry permission via the Travel Cayman portal first. Applicants are required to provide proof of health insurance during the application process. Insurance most cover COVID-19-related medical expenses.
Find the most updated entry requirements at the Cayman Islands U.S. Embassy website.
Travelers to Chile must present the following documents before boarding a flight to the country:
- Affidavit of Travelers electronic form
- Proof of a health insurance policy with COVID-19 coverage and a coverage maximum of at least $30,000
Learn more about the entry requirements for Chile at the Chilean Tourism website.
Travelers must purchase a supplementary travel medical insurance plan prior to travel or buy Cuban medical insurance coverage at the airport upon arrival. Contact the Embassy of Cuba for further information regarding medical insurance requirements.
There are no specific minimums or coverage requirements for Cuba—just proof of valid insurance.
Visit the U.S. Department of State - Cuba website for up-to-date information about Cuba’s medical insurance requirements.
IMPORTANT! Medicare typically does NOT provide coverage outside of the U.S. Medicare participants can purchase a supplemental medical insurance plan to visit countries that require proof of insurance. Read more about Medicare coverage outside the U.S. and additional options.
Tourists visiting Egypt must show proof of health insurance upon arrival to the country. Check to see if your primary health insurance provides coverage while you are traveling in Egypt. You may need to purchase a travel medical insurance plan to ensure coverage while traveling within the country. There are no specific minimums or coverage requirements for Egypt.
Visit the U.S. Embassy in Egypt website for more information on the country’s entry requirements.
Visitors to French Polynesia who do not have French nationality are required to pay for health insurance when applying for their travel registration form.
View our interactive travel restrictions map for details regarding entry requirements for French Polynesia.
You can view more details regarding entry requirements and COVID-19 procedures at the Directorate General of Immigration – Indonesia website.
Due to the ongoing COVID-19 pandemic, Israel requires all foreign nationals to present proof of health insurance. This insurance must include coverage for COVID-19-related expenses. Note that this requirement doesn’t apply to travelers arriving from Ukraine during the war.
Check the Israeli Population and Immigration Authority website for the most up-to-date information.
The country of Jordan requires all international travelers to provide proof of travel insurance with COVID-19 coverage and coverage for related medical expenses that covers the entire duration of stay in the country. There are no maximum requirements for this coverage.
Before boarding a plane to Jordan, individuals will be required to complete a health declaration form.
Get the latest information about Jordan’s entry requirements at the Jordan U.S. Embassy website.
Laos is an Asian country that borders Vietnam, Cambodia, and Thailand. Visitors to this country must have health insurance that covers COVID-19. Policies must cover at least $50,000 in expenses. Travelers must also download the registration app and the contract-tracing app for their trip.
Get more details regarding entry requirements from the Laos Tourism page.
This island nation east of Madagascar requires travelers to have proof of health or travel insurance that covers COVID-19-related expenses. This requirement doesn’t apply to citizens or resident permit holders in Mauritius.
Check out the My Mauritius Travel page for more details and exceptions.
The country of Oman requires travelers to have valid health insurance with COVID-19 coverage to visit the country. This insurance must cover a minimum of 30 days.
The Oman Air website is a great resource for full details regarding entry requirements to Oman.
Did you know that the South American country of Paraguay requires some visitors to provide proof of health insurance? Travelers from the U.S. and 228 other countries must have a valid health insurance with COVID-19 coverage to enter the country.
Use our travel restrictions map to see a full list of the countries and for more information regarding entry requirements.
Travelers planning a trip to the Philippines will want to make sure they have a health insurance policy. The Philippines requires its visitors to present proof of health insurance that covers a minimum of $35,000 for COVID-19 treatment. This policy must cover the entire period of stay in the country too.
The Philippines Airlines website is home to all of the information you need about entry requirements, testing, and quarantine protocols.
IMPORTANT NOTE FROM THE U.S. DEPARTMENT OF STATE: “Do not travel to Russia due to the unprovoked and unjustified attack by Russian military forces in Ukraine, the potential for harassment against U.S. citizens by Russian government security officials, the Embassy’s limited ability to assist U.S. citizens in Russia, COVID-19 and related entry restrictions, terrorism, limited flights into and out of Russia, and the arbitrary enforcement of local law. U.S. citizens should depart Russia immediately.”
Click here for important information for U.S. citizens seeking to depart Russia.
All visitors to Russia are required to apply for a visa to be allowed to enter the country. Upon application, the Consular Division of the Embassy has the right to request “medical insurance valid in the country to be visited and fully covering the period of the first trip” according to the Embassy of the Russian Federation in the USA.
Insurance policies must:
- Cover the entire duration of stay
- Indicate the geographical area of coverage as worldwide
- Contain the date, stamp, signature of the insurer, policy number, full name of the insured person, address and contact details for insurer, and the list of medical services and medical transportation included
Learn more about Russia’s visitor visa process at the Embassy of the Russian Federation in the USA website.
Travelers to Saudi Arabia must have valid health insurance that covers the cost of COVID-19 treatment in order to enter. Travelers must also complete a registration form and a health declaration form and download the contact-tracing app.
Have more questions regarding Saudi Arabia’s entry requirements? Visit the U.S. Embassy in Saudi Arabia website.
Short-term visitors to Singapore must apply for the Air Travel Pass (ATP), Reciprocal Green Lanes (RGLs), or Vaccinated Traveler Pass (VTP). With each of these, travelers must have travel insurance for COVID-19-related medical treatment and hospitalization in Singapore. It must cover a minimum of 30,000 SGD (about $22,100 USD).
Also, employers must buy COVID-19 medical insurance for all Work Permit, Training Work Permit, and S Pass holders entering the country. Insurance for these types of travelers must cover at least 10,000 SGD (about $7,400 USD) and must cover medical expenses for COVID-19.
You can check out the Singapore Safe travel website for more information before planning your trip to the country.
Not to be confused with its northern French counterpart Saint Martin, Sint Maarten is the southern Dutch half of this Caribbean island and is its own country. Sint Maarten requires all travelers to have COVID-19 insurance coverage if this nation is their end destination.
Have a layover in Sint Maarten? Those with airplane layovers in the country are not required to provide proof of insurance. There are also no specific requirements for the insurance coverage.
Those who want more information can visit the Sint Maarten website.
Booked a trip to Sri Lanka? Make sure you’ve purchased the mandatory travel insurance too. Travelers must pay for the country-sponsored COVID-19 travel insurance. The plan costs $12 and covers up to $75,000 for up to one month.
Travelers must also complete the mandatory health declaration form prior to travel.
You can learn more about Sri Lanka’s requirements from the Sri Lankan Tourism Bureau website.
Any medical costs incurred in Thailand are to be charged to the traveler’s health insurance. Thus, visitors must ensure they have a medical insurance plan that provides coverage in the country. Medical insurance must have a minimum coverage amount of $20,000 and must cover expenses related to COVID-19.
U.S. citizens visiting Thailand can review the U.S. Embassy and Consulate in Thailand website for updated information on COVID-19 procedures in the country.
Turks and Caicos Islands
The Turks and Caicos Islands now require visitors to obtain-pre-authorization to enter the country through the TCI Assured Portal. Visitors must also have insurance which covers COVID-19 medical costs.
They must have coverage for the following:
- Medical costs
- Full hospitalization
- Doctor’s visits
- Air ambulance
Find updated information at the U.S. Embassy in the Bahamas and Turks and Caicos Islands COVID-19 Information page as well as a link to the TCI Assured Portal.
IMPORTANT NOTE FROM THE U.S. DEPARTMENT OF STATE: “Do not travel to Ukraine due to Russian military invasion… U.S. citizens in Ukraine should depart immediately if it is safe to do so using any commercial or other privately available ground transportation options. U.S. citizens should not travel to Ukraine due to the active armed conflict and the singling out of U.S. citizens in Ukraine by Russian government security officials. All U.S. citizens should carefully monitor U.S. government notices and local and international media outlets for information about changing security conditions and alerts to shelter in place."
Click here for important information for U.S. citizens in Ukraine seeking emergency assistance.
Ukraine requires all foreigners to have travel insurance. Insurance may be provided by one of several types of companies:
- A company registered in Ukraine,
- A foreign insurance company that has a representative office in Ukraine, or
- A foreign insurance company that is in the treaty relations with an insurance company partner in Ukraine.
The medical insurance plan must also cover costs related to COVID-19 treatment and must cover the entirety of the visit.
Want more information on entry requirements and visa requirements for visiting Ukraine? See the U.S. Department of State Country Information page for Ukraine.
This South American country requires visitors to provide proof of health insurance while visiting. It is recommended that insurance cover COVID-19-related expenses, but not required. Travelers also need to fill out the mandatory health declaration form prior to traveling.
The Uruguay Tourism website is a great resource for reviewing entry requirements and procedures for the country.
Visitors to the country of Vietnam will need to make sure they have medical or travel insurance that covers COVID-19 treatment in the country and has a minimum coverage amount of $10,000. Don’t forget to also complete the health declaration form within 24 hours of departure to Vietnam.
Tourists in Vietnam must have a visitor visa for their trip. You can get an eVisa by using our travel restrictions map and searching for Vietnam.
For the most up-to-date information on entry requirements and restrictions, visit the Vietnam Government News website.
Why Else Might I Need Travel Medical Insurance?
Even if you’re traveling to a country that doesn’t require travel medical insurance or COVID-19 coverage, there may be certain situations where travel insurance coverage can be helpful, like:
- Lost Checked Luggage or Travel Delay – When it comes to inconveniences like the airline losing your checked luggage or a travel delay that’s more than just a few hours long, a travel medical plan can help compensate for necessary expenses. Reimbursements for clothes and toiletries as well as accommodations and meals are frequently provided in these situations.
- Illness or Injury – No matter how careful you are with your health, traveling can increase the risk of various illnesses and injuries. While insurance can’t prevent these things from occurring, it can help pay for the cost of a necessary emergency room visit or treatment.
- Terrorism – Some countries have political and social upheaval that can pose a threat to travelers and locals alike. A travel medical insurance plan like Atlas Travel may include a Political Evacuation benefit that could cover the cost of transporting you back to your home country, depending on your current location’s security status. It’s also wise to seek coverage with a Terrorism benefit that can help pay for medical expenses for injuries from a covered terrorist attack.
- Kidnapping – Express kidnappings – actual or attempted abduction and holding of someone against their will for personal belongings or ransom. Tourists are especially easy to target due to their different attire and language.
When common sense isn’t enough to keep you safe, a benefit like Atlas Travel’s Crisis Response coverage can help pay costs associated with ransom and loss of personal belongings. It also provides an experienced, multilingual crisis response team to support your family and negotiate your release. Make sure to check your plan’s policy documents for limitations regarding the Crisis Response benefit.
Requirements Are Constantly Changing
Countries are continuing to implement medical insurance requirements and COVID-19 coverage requirements for their visitors. The U.S. Embassy websites for countries often have the most up-to-date information on what the country may or may not require. Stay informed for your next foreign adventure.