Travel Insurance Requirements for Americans Traveling to Other Countries – Forbes Advisor


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Travel disruptions due to the pandemic have prompted many countries to require travel insurance for visitors before they can enter the country.

If you hope to get new stamps in your passport, make sure you have the correct travel insurance conditions for the following countries.

Travel insurance requirements by destination

Anguilla: Travel insurance is not mandatory, but the government of Anguilla and the US Department of State strongly recommend that you have it. Medicare and Medicaid don’t apply overseas, and doctors and hospitals expect cash payment for health services.

Aruba: Incoming visitors must purchase Covid-19 travel insurance from the Government of Aruba. Your own travel insurance can supplement Aruba Visitors Insurance, but it cannot replace it.

Argentina: Visitors are required to present proof of travel medical insurance which provides hospitalization, quarantine and transportation coverage for Covid-19.

Bahamian: All international visitors aged 18 and over must obtain a Bahamas travel health visa. The cost of Covid-19 health insurance is included in the cost of the visa and includes travel interruption coverage of $500 per day up to a maximum of $7,000 and Covid-19 emergency medical expenses up to $50,000. The cost of the visa varies for vaccinated and unvaccinated travellers.

Bermuda: Visitors are required to have a travel insurance policy that covers medical emergencies related to Covid-19. If you do not have coverage, you will be responsible for all Covid-related health and accommodation costs.

Bolivia: Travel insurance with coverage for Covid-19 related issues is mandatory for visitors.

British Virgin Islands: You must have travel insurance that covers Covid-19 medical costs, repatriation and quarantine costs.

Cambodia: Travel insurance is not required for travel to Cambodia, but the US State Department strongly recommends that you have a policy that includes medical evacuation travel insurance.

Cayman Islands: Visitors are required to certify that you have health insurance that includes Covid-19 coverage or that you understand the financial risks you are taking and have independent means to cover your medical expenses.

Chile: Visitors must show proof of a health insurance policy that covers Covid-19 medical expenses and include coverage of at least $30,000. Failure to present proof of health insurance could result in denial of entry.

Costa Rica: Fully vaccinated adults and minors under 18 may enter without travel insurance. Acceptable vaccines include Moderna, Pfizer-BioNTech, AstraZeneca, and Johnson & Johnson. Unvaccinated adults must provide proof of Covid-19 medical insurance with minimum coverage of $50,000 for Covid-related medical treatment and $2,000 for accommodation costs due to Covid-related illness.

Learn more about travel insurance for Costa Rica.

Curacao: Travelers visiting here must have travel insurance that covers medical expenses. hospital care, emergency care and repatriation.

Democratic Republic of Congo: To visit Congo, you need proof of travel medical insurance and medical evacuation insurance.

Egypt: To enter Egypt, you must have travel insurance that covers the duration of your trip.

Israel: Travelers no longer need to have travel medical insurance that covers Covid-19.

Learn more about travel insurance for trips to Jerusalem.

Jamaica: Travelers must pay a mandatory $40 fee under the Jamaica Cares program to cover Covid-related medical costs. The Jamaica Cares program includes travel medical insurance up to $100,000 per person and on-island health coverage up to $50,000.

Jordan: Visitors are required to take out a travel insurance policy which covers medical expenses related to Covid-19.

Lebanon: Visitors must have a travel insurance plan that covers Covid-related medical treatment.

Mauritius: Travel insurance for Covid-19 is mandatory to visit Mauritius.

Paraguay: You will need travel insurance covering Covid-19 for a trip to Paraguay.

Saint-Martin : Travelers must take out Covid-19 insurance with the government of Saint-Martin. Cost is $15 for ages 15 and up and free for ages 14 and under. It provides $50,000 medical expense coverage and $20,000 emergency evacuation coverage. Note that quarantine-related expenses for government-mandated preventative quarantines for your traveling companions and those who test negative are not covered.

Saudi Arabia: Before your arrival, you must apply for a tourist visa online. Newly issued visas include insurance that covers illnesses related to Covid-19, which is necessary for you to visit the country.

Seychelles: Visitors must have valid travel insurance that covers quarantine and treatment costs related to Covid-19.

Thailand: All visitors must have at least $50,000 in travel medical insurance that covers Covid-related medical expenses.

Learn more about travel insurance for trips to Thailand.

Turks and Caicos Islands: Visitors must provide proof of a travel insurance policy which covers Covid related medical expenses.

Learn more about travel insurance for vacations in the Turks and Caicos Islands.

Ukraine: All visitors must have an insurance policy issued by an insurance company registered in Ukraine which covers medical expenses related to Covid.

Uruguay: To visit Uruguay you must have proof of health insurance which will cover medical expenses in the country.

Why do countries require Covid-19 travel insurance?

Many countries require visitors to purchase travel medical insurance so as not to bear the financial burden of treating uninsured tourists who contract Covid-19. Generally, your policy should cover you for the duration of your stay.

Related: Best Covid-19 travel insurance

Some countries require you to purchase travel medical insurance from the government. For example, visitors to the Bahamas are required to purchase the Bahamas Travel Visa, which includes coverage for Covid-related medical expenses. You can also purchase your own travel insurance policy to supplement Bahamas travel visa coverage.

In countries that don’t require you to take out a policy with the government, make sure your travel insurance policy meets the country’s requirements and covers Covid-related expenses. For example, visitors traveling to Thailand must have at least $50,000 of travel insurance that covers Covid-related medical expenses.

Related: Understanding travel insurance cover for Covid testing issues, border closures, travel advisories and quarantines

What happens if you do not take out the required insurance?

If you arrive in a country that requires travel insurance and you do not have a policy, you will not be allowed entry.

Note that many countries also require a recent negative Covid test for entry. Some countries may specify the type of test that is acceptable and this must be done by an accredited laboratory.

For example, to enter the Turks and Caicos Islands, you must pass a test no more than three days before your arrival. Acceptable tests include RT-PCR, NAA, RNA or molecular tests, and antigen tests performed via nasopharyngeal swab.

More travel insurance protection

It’s a good idea to consider purchasing more coverage than the minimum requirements for your destination country. The required insurance may not be suitable for you.

For example, in many countries the US Department of State recommends a travel insurance plan that includes emergency medical evacuation coverage.

Besides Covid-related expenses, it’s good to have travel insurance for other types of issues, like trip cancellation and lost luggage. Here are some other types of coverage that may be included in a comprehensive travel insurance plan:

  • Trip cancellation insurance will refund 100% of prepaid, non-refundable deposits if you have to cancel your trip for a reason covered by your policy, such as death in the family, injury or illness of a traveler.
  • Trip delay and interruption coverage help if you miss part of your trip or if your trip is cut short due to a problem covered by your policy (such as a late flight). This coverage reimburses you for any additional costs you may incur due to the delay or interruption.
  • Baggage loss coverage covers baggage and personal effects lost, damaged or stolen during your trip.
  • “Cancel for any reason” travel insurance. With so much uncertainty surrounding travel, this coverage gives you the option to cancel your trip (at least two days before departure). “Cancel for any reason” coverage typically reimburses a portion of your prepaid travel expenses (usually 50% or 75%, depending on the plan).


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