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Countries With Mandatory Travel Insurance Requirements for Tourists

Getting travel health insurance should be one of the first things anyone does as soon as they book a trip abroad. A good travel insurance policy can give you financial protection in case you need to cancel the trip and cover your medical bills if you have a medical emergency abroad.

Travel Visa Insurance

Do I Need Travel Insurance?

This is why 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 – so many of us tend to overlook it.

Here is the complete list of countries that you cannot enter without travel insurance:

  • Schengen countries.
  • Algeria.
  • Argentina.
  • Aruba.
  • Cuba.
  • Ecuador.
  • Fiji.
  • Georgia.
  • Lebanon.
  • Iran.
  • Israel.
  • Jamaica.
  • Jordan.
  • Moldova.
  • Morocco.
  • Nepal.
  • Qatar.
  • Romania.
  • Rwanda.
  • Seychelles.
  • The UAE.
  • Togo.
  • Turkey.
  • Antarctica.

Check here if you need travel insurance to travel abroad:

Countries That Introduced Mandatory Travel Insurance Due to COVID-19

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:

  • Aruba
  • Lebanon
  • Seychelles

Do I Need Travel Insurance to Enter the USA?

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!

Countries Where You Should Get Travel Insurance Before Visiting

All Schengen Countries

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 27 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!

Should I get travel insurance for the Schengen Area?

Group of travelersMandatory
Visa applicantsYes
Visitors from visa-free countriesNo

Algeria

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:

  • Australia
  • Austria
  • Belgium
  • Canada
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Italy
  • Latvia
  • Lithuania
  • Luxembourg
  • Malta
  • New Zealand
  • North Macedonia
  • Norway
  • Poland
  • Portugal
  • Romania
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • The Netherlands

Argentina

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.

Should I Get Travel Insurance for Argentina?

Group of travelersMandatory
Visa applicantsYes
Visitors from visa-free countriesYes

Aruba

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.

Should I get travel insurance for Aruba?

Group of travelersMandatory
Visa applicantsYes
Visitors from visa free countriesYes

Cuba

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.

Should I get travel insurance for Cuba?

Group of travelersMandatory
Visa applicantsYes
Visitors from visa-free countriesYes

Ecuador

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.

Should I get travel insurance for Ecuador?

Group of travelersMandatory
Visa applicantsYes
Visitors from visa-free countriesYes

Fiji

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.

Should I Get Travel Insurance for Fiji?

Group of travelersMandatory
Visa applicantsYes
Visitors from visa-free countriesYes

Georgia

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.

Should I get travel insurance for Georgia?

Group of travelersMandatory
Visa applicantsYes
Visitors from visa free countriesNo

Lebanon

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.

Should I get travel insurance for Lebanon?

Group of travelersMandatory
Visa applicantsYes
Visitors from visa free countriesYes

Iran

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.

Should I get travel insurance for Iran?

Group of travelersMandatory
Visa applicantsYes
Visitors from visa-free countriesYes

Israel

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.

Should I Get Travel Insurance for Israel?

Group of travelersMandatory
Visa applicantsYes
Visitors from visa-free countriesYes

Jamaica

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.

Should I Get Travel Insurance for Jamaica?

Group of travelersMandatory
Visa applicantsYes
Visitors from visa-free countriesYes

Jordan

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.

Should I Get Travel Insurance for Jordan?

Group of travelersMandatory
Visa applicantsYes
Visitors from visa-free countriesYes

Moldova

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.

Should I get travel insurance for Moldova?

Group of travelersMandatory
Visa applicantsYes
Visitors from visa free countriesNo

Morocco

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.

Should I get travel insurance for Morocco?

Group of travelersMandatory
Visa applicantsNo
Visitors from visa-free countriesNo

Nepal

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.

Should I Get Travel Insurance for Nepal?

Group of travelersMandatory
Visa applicantsYes
Visitors from visa-free countriesNo

Qatar

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.

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