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Is travel insurance mandatory: Which countries require travel insurance?

Team AckoFeb 27, 2024

There is more to the question, ‘is travel insurance mandatory?’ than a simple yes or no answer. Besides, travellers must note that adequate travel insurance coverage is always a good backup, even if it is not mandated by the visiting country. In this article, we have highlighted some of the countries that require travel insurance and mentioned compelling reasons to insure your trip. Have a look!




Is travel insurance mandatory for international travel?

The short answer is no, as travel insurance is not always mandatory for international travel. That’s only half the story, though. The truth is, there is no one-size-fits-all answer. Some countries do require travellers to have insurance, while others do not. For instance, some nations in the European Union mandate that visitors have a certain level of travel insurance. Some other nations, in contrast, do not have any such requirements.

Having said that, even in countries where travel insurance is not required, having it is still a good idea. Unexpected events like trip cancellations, medical emergencies, or lost baggage can happen at any time. Such unfortunate incidents can result in both financial and emotional hardship. With adequate coverage, you can better manage the financial aspect of such scenarios while also maintaining your peace of mind.

For which countries is travel insurance mandatory?

When it comes to international travel, some countries require travellers to possess travel insurance before entering their borders. For example, countries like Cuba, Mexico, and Turkey require travellers to have travel insurance in order to obtain a visa. It's important to note that the specific requirements for travel insurance can vary depending on the country and the type of visa. To find this out, you can get in touch with the embassy or consulate of the nation you intend to visit. The following section will provide you with a handy list.

List of countries that require travel insurance

Check out the list below to see which countries require travel insurance. Please take note that this list is not exhaustive and that additional countries may be added or removed based on their policies. 

1. Russia

Russia is a diverse and culturally rich destination. It is known for its historic cities, beautiful architecture, and famous landmarks. If you visit Russia, you should not miss the Kremlin and Red Square in Moscow, as well as the Hermitage Museum in St. Petersburg. But, before you go, keep in mind that all visitors to Russia must have travel insurance. This is true regardless of the reason for their visit.

2. Cuba

Cuba, also known as the Republic of Cuba, is a lively and cosmopolitan place. It is renowned for its beautiful colonial architecture, lush tropical scenery, and extensive history. Here too, travel insurance is a requirement for visiting. In addition to having travel insurance, you must also have medical insurance in order to enter the country.

3. Turkey

With a rich fusion of history, culture, and unmatched natural beauty, Turkey is a diverse and fascinating travel destination. The historic sites of Ephesus and Troy, Istanbul's bustling streets, and the breathtaking Turquoise Coast are just a few of its top attractions. However, before entering the country, all visitors are required to purchase medical travel insurance. Since the recommended level of insurance is not stated, you can choose it based on your needs. The only prerequisite is that the coverage lasts for the duration of your stay.

4. Qatar

Qatar is a rapidly developing country that offers a unique blend of modern luxury and traditional culture. From the ultra-modern skyline of the nation's capital, Doha, to historical sites like Al Zubarah Fort and Al Koot Fort, this country has it all. However, you must first obtain travel and medical insurance if you intend to visit this lovely country. The Qatari law states that only those who possess these will be allowed entry as foreign visitors.

5. Schengen Area

The Schengen Area is a zone of free movement comprising 27 European nations. These nations include popular tourist destinations such as Denmark, Germany, and France. It is no surprise that many of the places within the Schengen Area attract numerous visitors each year. However, before planning your trip to any of these European countries, it is crucial to ensure that you have adequate travel insurance for Schengen coverage. This is a mandatory requirement for entry into any of the Schengen Area countries, regardless of the purpose of your visit.

6. The United Arab Emirates

The United Arab Emirates is a great travel destination, offering a unique blend of modern luxury and traditional culture. The natural beauty of the desert, the historical significance of Abu Dhabi, and Dubai's glitz and glamour are all sights to behold. But before you pack up for your trip, make sure you purchase travel insurance for Dubai. It is a crucial prerequisite for being granted entry into the nation.

Why are more countries making travel insurance mandatory?

In this section, we'll go over some of the reasons why countries are mandating travel insurance.

1. Financial security for travellers

One of the main reasons is to financially protect travellers from unexpected events. Travel insurance covers trip cancellations, lost or stolen belongings, and emergency medical expenses. While visiting a foreign country, it's crucial for tourists to have a safety net in case something goes wrong.

2. To prevent the host nation from suffering financial loss

Another reason is to protect the host country. To simplify, in the past, if a traveller got sick or hurt, the host nation would typically bear the medical costs. With travel insurance, the expense can be passed along to the insurance provider. This is a much more sustainable solution.

3. The COVID-19 pandemic as a wake-up call

Finally, the global pandemic has highlighted the need for more safety measures in place. Nations are requiring travellers to have travel insurance as they open their borders. It's a way for countries to ensure that tourists are protected from the costs associated with the disease. 

Impact of travel insurance on the approval of visa applications

If you're wondering if having travel insurance affects whether your visa is approved or rejected, the answer is yes. In some cases, it is even outlined as a rule in the list of prerequisites for obtaining a visa. It is weighted because officers want to feel confident that you can cover the costs of a medical emergency, should one occur. Travel insurance offers third-party coverage, which is another reason why it is expected. So, if you accidentally harm, kill, or damage locals' property, they can receive fair compensation.

Furthermore, having travel insurance can also make the visa application process smoother. It displays your preparedness and responsibility as a candidate. This may leave a good impression on the visa officer who is reviewing your application. Additionally, it demonstrates your awareness of potential risks related to travel and your efforts to mitigate those risks.

A smart move

In conclusion, travel insurance is becoming an increasingly important aspect of international travel. Thus, it is crucial to know if it is required by law in the country you intend to visit. Even if it's not required by law, getting travel insurance is always a smart move. It can really come in handy when things don't go as planned. That additional financial protection it offers is worth the small cost. 

Frequently asked questions

Here are some common queries and their resolutions related to the list of countries that require travel insurance.


Is travel insurance mandatory for international travel?

No, not all international travel requires travel insurance. However, some countries may require it as a condition of entry.

Which countries require travel insurance?

The specific countries that require travel insurance may vary from time to time. However, some of the countries that currently require travel insurance include Cuba and Schengen countries in Europe. It is best to check with the specific country's embassy or consulate for the most up-to-date information.

What type of coverage is required for travel insurance in countries that mandate it?

Depending on the country, different types of insurance may be needed when visiting. For the most recent information, it is best to contact the embassy or consulate of the concerned nation.

Can I buy travel insurance at the border or once I arrive in the country that requires it?

It is best to buy travel insurance before you depart for your trip. Some countries may not accept insurance purchased at the border or once you arrive in the country.

What happens if I don't have the required travel insurance when entering a country that mandates it?

If you do not have the required travel insurance, you risk being refused entry or paying a fine.

Can I purchase travel insurance through the airline or travel agency I am using to book my trip?

Yes, you can typically buy travel insurance from the airline or travel agency you used to make your reservation. Many airlines and travel agencies offer travel insurance as an add-on service when booking a trip.

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Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an insurance expert before making any related decisions.


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