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Countries That Require Travel Medical Insurance for Entry

Countries That Require Travel Medical Insurance for Entry

Last updated November 8, 2021

Traveling abroad can be an exciting experience. While preparing for your trip, you will likely spend lot of your time planning and making arrangements for your visa, flights and accommodations, researching tourist attractions, and buying clothes and toiletries. One thing you don't want to forget is travel insurance. There is always a chance you will become sick or injured in a foreign country, and your domestic insurance may be very limited, or may not provide any coverage at all. This is a major reason why it is important to purchase proper travel medical insurance for traveling abroad.

Many countries worldwide have had to pick up the bill for medical expenses tourists incurred during their visit. As a result, more and more countries are requiring that travelers to their country carry proper travel insurance so that they aren't left with the financial burden of medical bills left unpaid by tourists. Furthermore, the coronavirus pandemic has led to many countries reevaluating their insurance requirements for visitors. The following countries have such requirements in effect now:

  • Anguilla

    Travelers to Anguilla are required to purchase travel medical insurance that covers coronavirus-related treatment and lasts the duration of their stay in the country. They must submit proof of such insurance upon arrival in the country.

    All travelers to Anguilla must take an RT-PCR, Nucleic Acid Amplification (NAA), RNA, or antigen COVID-19 test no more than five days before arrival in the country, and submit their negative test results two to five days before arrival. Tests must be performed in a laboratory setting, and include a doctor’s cover letter. 

    Visitors to Anguilla must be vaccinated with the following approved vaccines to enter the country without mandated quarantine: Pfizer/Biotech, Oxford/AstraZeneca/Serum Institute of India, Moderna, or Janssen. Mixed vaccines are permitted, but they must be a variation of Pfizer, AstraZeneca, and Moderna.

    Persons entering Anguilla must be fully vaccinated with an approved vaccine at least 21 days prior to arrival. Those inoculated with unapproved vaccines will be allowed to enter, but must quarantine upon arrival.

    Anguilla Travel Insurance
  • Aruba

    Travelers to Aruba are required to purchase a healthcare policy from the Aruban government. The policy covers up to $75,000 in hospital expenses, tests of suspected coronavirus cases, and up to four outpatient retests as determined necessary by a physician. As of August 1, 2021, insurance premiums are a flat rate of $15 per person for those aged 15 years and older. Persons aged 14 and younger are free of charge. This insurance is mandatory for all foreign nationals, with the exception of those who arrive and leave the same day.

    Residents of all countries with the exception of certain EU countries are required to take a COVID-19 PCR test in order to be allowed entry. Residents of certain EU countries may be able to forego this test and only show proof of coronavirus vaccination. 

    In addition, anyone traveling to Aruba from a country or area deemed to be high-risk will need to complete a 72-hour PCR testing requirement, regardless of vaccination status. It should be noted that as of October 27, 2021, both the United States and United Kingdom are deemed high-risk areas. Prospective visitors are encouraged to confirm vaccination and testing requirements with the Aruban government or tourism board before planning a trip.

    Aruba Travel Insurance
  • Bahamas

    All visitors to the Bahamas are required to apply for a Bahamas Travel Health Visa online, where they will upload their negative COVID test results and/or proof of vaccination. As part of the Travel Health Visa, visitors will be required to opt into COVID-19 health insurance that covers them for the duration of their stay. The cost of this insurance is included in the Travel Health Visa application fee.

    Per the latest travel update on October 17, 2021, all Pfizer, Moderna, Johnson & Johnson, or AstraZeneca-vaccinated travelers visiting the Bahamas from other countries are required to provide a negative COVID-19 test (rapid antigen or PCR) taken no more than five days prior to arrival, along with the name and address of the lab where the test was performed clearly displayed.

    Unvaccinated travelers, or those vaccinated with unapproved vaccines age 12 and older must provide a negative COVID-19 PCR test taken no more than five days prior to arrival. Those age 2 to 11 who are unvaccinated can provide a rapid antigen or PCR test meeting the same requirements. Children under 2 are exempt from testing requirements.

    Bahamas Travel Insurance
  • Bermuda

    Visitors to Bermuda are required to have travel insurance that can provide coverage for COVID-19 medical emergencies. Those without coverage are responsible for all healthcare and accommodation costs related to COVID. 

    Bermuda Travel Insurance
  • British Virgin Islands

    Travel insurance covering COVID-19 is mandatory for all nonresident visitors traveling to the British Virgin Islands.

    All unvaccinated or partially vaccinated visitors to the British Virgin Islands must obtain a BVI Gateway certificate to travel to the islands.

    Unvaccinated travelers must present a negative COVID-19 PCR test taken three to five days before arrival, and undergo another PCR test upon arrival. They also must complete a seven-day quarantine and take a final PCR test on day seven. 

    Partially vaccinated travelers must present a negative COVID-19 PCR test taken three to five days before arrival, in addition to proof of partial vaccination, and undergo another PCR test upon arrival. They also must complete a four-day quarantine and take a final PCR test on day four.

    Travelers who have been fully vaccinated for at least 14 days prior to arrival must show a negative COVID-19 PCR or rapid antigen test taken no more than five days prior to arrival, along with proof of vaccination. 

    British Virgin Islands Travel Insurance
  • Cambodia

    Visitors must show proof of travel insurance with medical coverage of at least $50,000.

    Cambodia Travel Insurance
  • Cayman Islands

    Visitors to the Cayman Islands are required to show proof of travel insurance that covers COVID-related expenses. The insurance must last the full duration of stay in the Cayman Islands. All travelers will be required to take a PCR test upon arrival at the airport.

    As of November 20, 2021, fully vaccinated travelers can travel to the Cayman Islands without quarantine. All are required to provide a negative COVID-19 PCR test upon arrival at the airport taken 72 hours prior to departure. Travelers are required to apply at https://travelcayman.gov.ky/ to confirm their full vaccination status at least 14 days prior to departure. Unvaccinated visitors and children under 12 are not allowed to travel to the Cayman Islands.

    Cayman Islands Travel Insurance
  • Chile

    You need to purchase travel medical insurance for at least $30,000 that would provide COVID-19 coverage and would be valid throughout the stay in Chile. As US based travel medical insurance companies offer a minimum of $50,000, that is what you would need to purchase to meet the requirements.

    As of November 1, 2021, all visitors to Chile must provide proof of full vaccination through the https://mevacuno.gob.cl platform, and provide proof of a negative COVID-19 PCR test taken 72 hours before departure, beginning from the last boarding on flights with stopovers. Upon entering Chile, all travelers must quarantine for five days, or until they receive a negative PCR test result.

    Chile Travel Insurance
  • Colombia

    Colombia has re-opened its borders to travelers from all countries. All visitors must fill out an online form between 24 hours and 1 hour before the flight. Visitors are required to bring negative COVID-19 PCR test results dated no more than 96 hours before departure. They are also required to have travel medical insurance that covers coronavirus-related expenses and that lasts the full duration of the trip.

    Colombia Travel Insurance
  • Costa Rica

    All unvaccinated travelers entering Costa Rica are required to have a travel insurance policy providing a minimum of $50,000 in coverage for medical expenses including COVID-19, and $2,000 in lodging expenses in case of COVID-19 quarantine. They are required to provide a certificate or letter in English or Spanish stating the abovementioned coverage, and upload it to HEALTH PASS to be reviewed and approved by Costa Rican authorities. Insurance cards are not accepted as proof of coverage.

    Beginning August 1, 2021, tourists who are fully vaccinated with the Moderna, Pfizer-BioNTech, AstraZeneca or Johnson & Johnson vaccines are permitted to enter the country without mandatory insurance, but must attach their vaccination certificate to the HEALTH PASS.

    Costa Rica Travel Insurance
  • Cuba

    Those traveling to Cuba, including Cubans living abroad and visiting temporarily, are required to purchase travel medical insurance for visiting the island nation. As it has become relatively easier for some Americans to visit Cuba in recent years, there has been a significant increase in demand for Cuban tourism.

    Cuba Travel Insurance
  • Dubai

    Foreigners visiting Dubai must present proof of travel medical insurance that covers COVID-19 just like any other sickness. The proof must be presented at the time of boarding.

    Dubai is the most visited city in United Arab Emirates (UAE).

    Dubai Travel Insurance
  • Ecuador

    As of 2021, the Ecuadorian Congress has abolished travel insurance requirements for visitors to the country. However, due to the COVID-19 pandemic, visitors must show proof of health or travel insurance in order to travel to the Galapagos Islands, which are a part of Ecuador.

    Ecuador Travel Insurance
  • European Schengen Countries

    For those traveling to any of the 26 Schengen countries in Europe, if a person is required to obtain Schengen visa, they would require a compliant health insurance plan that would cover at least €30,000 Euros (EUR 30 000) in medical benefits, as well as provide the coverage for emergency medical evacuation and repatriation of remains.

    Schengen Visa Insurance

    You can visit the link above to instantly purchase Schengen visa insurance and print the visa letter to take to the embassy or consulate.

    US citizens visiting Schengen countries for less than 90 days are not required to have visa. For any visit longer than that or for long term stay, a Schengen visa is required.

  • French Polynesia

    As of November, 2021, French Polynesia requires travelers who are unvaccinated, and/or have already been infected by COVID-19, and/or have stayed for less than 15 days in the US, Canada, France, EU countries, the United Kingdom, Israel, Lebanon, Australia, New Zealand, Japan, Singapore, South Korea, or other “Green Zone” countries prior to their arrival and are only providing a rapid antigen COVID test as proof they are negative for coronavirus to have travel insurance. If they do not, they must sign a declaration assuming all associated medical, confinement, or repatriation costs. 

    French Polynesia Travel Insurance
  • Georgia

    All foreign nationals traveling to Georgia are required to have travel insurance valid for the entirety of their stay. This insurance must be valid throughout the entire country, and cover any expenses related to the visitor’s health status or death. Proof of travel/health insurance must be submitted in order to apply for a long-term visa, and must provide coverage for the length of the visa’s validity. When submitting a visa application, the applicant must confirm that they are aware of the requirement to hold travel/health insurance for subsequent visits to Georgia.

    Georgia Travel Insurance
  • Iran

    Valid travel medical insurance is an entry requirement for anyone trying to get an Iranian visa and must be shown upon landing at the international airport in Iran. If you do not have a valid travel health insurance plan, you will be required to buy one before you can enter Iran.

    Iran Travel Insurance
  • Israel

    Israel requires all foreign visitors to purchase travel medical insurance that provides coverage for COVID-19.

    Israel Travel Insurance
  • Jamaica

    Those traveling to Jamaica must enroll in the “Jamaica Cares” program for a fee of $40 to cover medical expenses related to COVID-19. The mandatory coverage consists of travel medical insurance coverage up to $100,000 per person, and on-island health coverage up to $50,000. Visitors are encouraged to purchase additional travel insurance coverage.
    Jamaica Travel Insurance
  • Jordan

    It is mandatory for all non-Jordanian visitors to provide proof of travel medical insurance in order to visit Jordan. The only visitors who are exempt from this requirement are medical tourism patients.

    Jordan Travel Insurance
  • Laos

    Laos mandates all foreign citizens entering Laos to purchase travel medical insurance that provides COVID-19 coverage.

    Laos Travel Insurance
  • Lebanon

    All tourists from all destinations need travel insurance that will cover the expense of coronavirus medical treatment if any tests come back positive or a traveler develops symptoms while visiting Lebanon.

    Lebanon Travel Insurance
  • Nepal

    Tourists visiting Nepal are required to provide proof of travel medical insurance coverage for the duration of their trip. 
  • Nepal Travel Insurance
  • Oman

    Oman’s borders are now open to visitors from more than 100 countries. They may enter visa-free if they can show proof of a pre-arranged hotel reservation, health insurance coverage of at least a month’s duration, and a pre-booked return ticket. Passengers are required to take a PCR test upon arrival at the airport and self-isolate until the results are ready. All tourists are required to have travel health insurance that covers coronavirus and is valid for at least a month, even if the length of their trip is shorter (7–10 days). This is to ensure coverage if the passenger contracts COVID-19 at the very end of their scheduled visit.

    Oman Travel Insurance
  • Pakistan

    As of October 1, 2021, all visitors to Pakistan over the age of 17 must be fully vaccinated. Passengers who are medically advised against COVID vaccination and have proper documentation may be able to be exempted from the requirement. All visitors must provide proof of a negative COVID-19 RT-PCR test. 

    All incoming visitors are required to have travel insurance that covers coronavirus for the full duration of their trip to Pakistan. All visitors are also required to submit their contact information to Pakistan before departure.

    Pakistan Travel Insurance
  • Panama

    Panama opened its borders to international tourism on Oct. 12, 2020. Entry requirements include a negative COVID-19 PCR test result dated no longer than 48 hours before travel; visitors can also take a test upon arrival at the airport. Visitors are also required to have travel insurance that covers coronavirus and that lasts the full duration of their stay in Panama. Be mindful that the country still has strict mask and social distancing requirements in place.

    Panama Travel Insurance
  • Puerto Rico

    As a United States territory, Puerto Rico is subject to the same travel requirements for international visitors as the rest of the US, starting November 8, 2021. 

    Exchange visitors in Puerto Rico on a J visa and their dependents are required by the U.S. Department of State to have medical insurance providing at least $100,000 per incident coverage, $50,000 in emergency medical evacuation coverage, and $25,000 in repatriation of remains coverage.

    Puerto Rico Travel Insurance
  • Qatar

    Expatriates living in Qatar are required to carry sufficient medical insurance.

    Since 2015, private companies are legally obligated to pay premiums on behalf of all of their expatriate employees.

    Qatar Travel Insurance
  • Russia

    If your country requires visiting Russian citizens to have travel insurance before visiting your country, Russia requires you to get the same when visiting Russia.

    Russia Travel Insurance
  • Rwanda

    Rwandan law requires that any person in Rwandan territory must possess adequate health insurance. If you attempt to enter the country without it, you will be required to purchase a health insurance plan on arrival. It is better to be prepared and purchase a plan in advance so you have better options and a better idea of what you’re buying.

    Rwanda Travel Insurance
  • Seychelles

    Visitors must ensure that they have a valid travel insurance with full medical coverage for the duration of their entire stay in Seychelles.

    Seychelles Travel Insurance
  • Singapore

    Visitors entering Singapore under an Air Travel Pass (ATP) or the Reciprocal Green Lanes (RGL) are required to have travel insurance that covers COVID-19 medical and hospitalization costs for a minimum of $30,000. All short-term visitors must bring an electronic or physical copy of their insurance policy as proof of coverage.

    Similarly, for workers visiting Singapore, employers must buy COVID-19 travel medical insurance for any Work Permit, Training Work Permit, and S Pass holders. The policy must offer at least $10,000 in medical coverage if the worker tests positive for COVID-19 or shows symptoms within 14 days of arrival. The policy must also cover workers on pass-in-principle approvals (IPAs).

    Singapore Travel Insurance
  • St. Maarten

    As of August, 2021, St. Maarten requires all visitors to buy COVID-19 insurance from the St. Maarten government. The cost for insurance is $15 for visitors ages 15 and up, and free for visitors 14 and under. Visitors are encouraged to buy supplementary insurance to cover medical issues other than COVID-19. 

    St. Maarten Travel Insurance
  • Thailand

    All visitors to Thailand are mandated to have travel medical insurance that provides a minimum of $50,000 in coverage, and covers COVID-related medical expenses. 

    Thailand Travel Insurance
  • Turkey

    It is now required that all visitors to Turkey from outside nations have travel medical insurance coverage for the duration of their trip. Visitors will not be granted access to Turkey without proof of insurance coverage.

    Turkey Travel Insurance
  • Turks and Caicos Islands

    In order to be granted entry to Turks and Caicos, visitors must provide proof of travel insurance that covers medical expenses related to COVID-19.

    Turks and Caicos Islands Travel Insurance
  • Ukraine

    Ukraine requires visitors to have an insurance policy issued by an insurance company that is registered in Ukraine. The insurance must cover COVID-related medical expenses.

    Ukraine Travel Insurance
  • United Arab Emirates

    Foreigners visiting United Arab Emirates (UAE) must present proof of travel medical insurance that covers COVID-19 just like any other sickness. The proof must be presented at the time of boarding.

    US citizens traveling to UAE for more than one month would need UAE visa. Citizens of many countries would need UAE visa to visit for any duration.

    United Arab Emirates Travel Insurance
  • United Kingdom

    Travel health insurance isn't required for visitors to the UK; however, it is highly recommended to buy in case of unexpected medical emergencies. If you did not purchase travel medical insurance and medical treatment is necessary, you will be expected to pay the costs from your own pocket. If you decide to just leave the country with the bills unpaid, then you would likely not be approved for a visa the next time you want to visit.

    UK Travel Insurance
  • United States

    For exchange visitors on J visa, the U.S. Department of State requires that every participant and their dependent(s) have medical insurance with at least $100,000 per incident coverage along with $50,000 in emergency medical evacuation and $25,000 in repatriation of remains coverage.

    The US reopened travel to fully vaccinated foreign nationals on November 8, 2021. And although insurance is not required for those on a visitor visa or other non-J visas, it is highly recommended. Healthcare costs in the US are among the highest in the world, and most visitors cannot afford healthcare in the United States without insurance. Therefore, it is highly recommended that all visitors to the US have visitors insurance that can cover them for new sicknesses and injuries for the duration of their trip.

    J Visa Insurance
  • Vietnam

    Travelers to Vietnam are required to have international medical insurance that lasts their full duration of stay or to sign a form declaring themselves financially responsible for any coronavirus-related medical treatment costs they incur while in the country. They must also have a negative PCR test dated within 3–7 days of arrival in the country. Finally, all travelers must complete an online health declaration form before departure.

    Vietnam Travel Insurance

It is important to keep in mind that the COVID-19 pandemic has created a situation where the insurance and entry requirements for countries may change regularly. It is recommended to check the insurance requirements of your destination thoroughly, to make sure you are purchasing coverage that meets all current requirements of the country.

It is possible that you may be able to purchase travel insurance from a local provider in their country or at the airport, but you are mostly likely going to be charged higher premiums and/or get less coverage. If you wait, you would have to make an immediate decision in hurry, with no time to review, shop around or even understand what you're purchasing if you are forced to buy at the airport. Therefore, it is always advisable to buy travel insurance in advance, from the comfort of your home, when you are relaxed and have more time to make an informed decision.

Proposed Changes to Countries

In our ever-changing world, more countries are considering requiring tourists to acquire travel insurance to visit. The following counties will soon have changed their requirements:

  • Japan

    For several years, Japan has been considering making it a requirement for all travelers to Japan to carry sufficient travel insurance to protect them from unexpected expenses while in Japan. The officials are worried that too many uninsured tourists are racking up millions of dollars in unpaid bills and stressing the local healthcare system.

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