countries that require travel insurance

by Peanut

August 21, 2021

Are you wondering if you need travel insurance as a requirement? The below country list gives you an idea. It's not exhaustive, so it's always best to check additional sources and things update from time to time. What we're seeing now is many countries require medical travel insurance coverage that covers COVID-19 related medical expenses. That sounds like a good idea in general, right? I mean, who would want to be stuck in Thailand and having doctors or hospitals question whether to give you the best treatment possible because you don't have funds to cover expensive treatments. Most people may not realize their health insurance is not valid outside your home country.

You can't show up to a hospital across the opposite side of the world and expect your health care insurance to cover it. While these countries listed below may require some form of travel insurance as an entry requirement, it's good practice and peace of mind for any international destination at this time. We've heard of too many people getting COVID abroad (even vaccinated, as your protection wanes the longer the months go on) who needed some medical treatments and did not have the approrpriate coverage and ended up panicking or having to spend hundreds of dollars out of pocket. Do your research and understand what your needs are. Peanut does not sell travel insurance at this time. We simply are trying to help you avoid a booking mistake and have the best trip possible with our trip-tips and insights!

In the Caribbean

Anguilla

Requires visitors to have medical travel insurance that covers the cost of COVID-19 related illness for 30 days.1 As of July 1, 2021, fully vaccinated visitors are allowed to travel to Anguilla without having to pay fees or quarantine.2

Aruba

Requires all foreign travelers to buy Aruba Visitors Insurance, even if you have your own travel insurance policy. Aruba Visitors Insurance can cover certain costs if you test positive for COVID-19 during your trip: costs for medical treatment, transportation, quarantine lodgings and testing. It can only be purchased within 72 hours before your departure date via the ED-Card form. Adults pay $30 and children up to $14 pay $10.3

The Bahamas

Includes the cost of COVID-19 health insurance in the application fee for the mandatory Bahamas Travel Health Visa.4

The British Virgin Islands

Require visitors to upload proof of medical travel insurance that can cover COVID-19 related costs.5

The Cayman Islands

Require all inbound travelers to attest to a statement which confirms that:

  1. a) that they possess medical insurance which includes COVID-19 coverage, or
  2. b) that they understand the financial risks they are taking and that they have independent means to cover their medical costs.6

Cuba

Requires non-U.S. medical insurance for visitors. This insurance is often included in the price of your airline ticket; if it’s not, you can buy it at the airport when you arrive.7 Keep in mind, however, that this is only medical insurance, with no other benefits. (Americans are prohibited from traveling to Cuba solely for tourist activities.)

Sint Maarten

requires medical travel insurance for visitors, and says it’s “strongly recommended to have travel insurance that covers COVID-19 related expenses.”8

Turks & Caicos's

TCI Assured entry program requires travelers to carry insurance that covers COVID-19-related medical costs (hospitalization, doctors’ visits, prescriptions and air ambulance).9

Rest of World

Costa Rica

Tourists must get mandatory travel insurance to cover their quarantine lodging  (up to $2,000) and medical expenses (up to $50,000) in case they’re infected with COVID-19. This requirement applies to all travelers, whether or not they’re vaccinated. Does Allianz Travel Insurance fit Costa Rica’s requirements? Certain plans, such as OneTrip Prime and OneTrip Premier, can. Get the details on Costa Rica’s travel insurance requirements.

Cambodia

has put in place many restrictions for people visiting from overseas, including the requirement to purchase a specific, local health insurance plan for COVID-19 treatment.  The policy has a maximum coverage limit of $50,000, costs $90 and is valid for 20 days.10

If you buy this COVID-19 insurance plan, do you still need travel insurance for Cambodia? Yes! The specific coverage Cambodia requires only applies to medical and funeral costs related to COVID-19.11 You should also purchase travel insurance that includes emergency medical benefits and emergency transportation benefits for other covered illnesses/injuries, in addition to all the other benefits.

Chile

requires visitors to show proof of insurance that provides coverage for COVID-19 and related health issues during the traveler’s stay in Chile. “The health insurance must cover charges associated with COVID-19 during the traveler’s stay, with a coverage of USD $30,000 (minimum). All documents must be presented before boarding the flight to Chile,” the U.S. Embassy in Chile states.12

Egypt

requires incoming tourists to show proof of health insurance upon arrival. The U.S. Embassy in Egypt says it can’t confirm if a specific insurance policy will be accepted as proof of insurance by the Egyptian authorities; contact the Egyptian Embassy in Washington D.C. or the nearest consulate with questions.13

The Galapagos Islands

now requires foreign visitors to have travel medical insurance, in addition to several other documents and requirements.14

Jordan

says foreign visitors must carry insurance that covers COVID-19 treatment for the entire period of their intended visit.15

Thailand

requires tourists (in addition to being vaccinated and tested) to have a COVID-19 medical insurance policy with at least $100,000 in emergency medical benefits.16 You’ll have to upload a PDF or scan of your travel insurance plan documents to the Entry Thailand site, along with other documents.

Ukraine

has announced that all foreign visitors must have an insurance plan, issued by an insurance company registered in Ukraine, that covers costs related to the treatment of COVID-19 and observation, and is valid for the entire length of a stay in Ukraine.17

Citations

  1. Escape.IVisitAnguilla.com
  2. EscapeIVisitAnguilla.com
  3. ArubaVisitorsInsurance.com
  4. Bahamas.com
  5. BVIGateway.bviaa.com
  6. ExploreGov.ky
  7. Travel.State.Gov
  8. StMaartenEhas.com
  9. Visittci.com
  10. Kh.Usembassy.gov
  11. ForteInsurance.com
  12. CL.embassy.gov
  13. Eg.usembassy.gov
  14. Ecuador.org
  15. Jo.usembassy.gov
  16. TATNews.org
  17. MFA.gov.ua

More like this