Many countries make travel insurance mandatory to ensure that visitors can cover their own medical costs in case of an emergency. This prevents the local government from having to pay for a tourist's healthcare. Usually, you need to show proof of insurance to get your visa approved.
Countries Where You Must Have Insurance
- The Schengen Area (Europe). If you are visiting popular European spots like France, Germany, Italy, or Spain, you need a Schengen Visa. For this, travel insurance is strictly mandatory and must cover at least €30,000 for medical emergencies.
- The UAE (United Arab Emirates) To visit Dubai or Abu Dhabi, you need valid health insurance. If you are applying for a tourist visa, the insurance is often bundled with your visa application or required as a separate document before you fly.
- Thailand Thailand often updates its rules, but generally, travelers need insurance that covers medical expenses. This ensures that if you fall ill or have an accident, your hospital bills are taken care of.
- Cuba Every traveler heading to Cuba must have a non-U.S. travel insurance policy. If you arrive without one, you will be forced to buy a local policy at the airport, which is often more expensive.
- Turkey If you are applying for a visa to visit Turkey, you must provide proof of medical insurance that covers the entire duration of your stay.
- Schengen-Adjacent Countries Countries like Romania, Bulgaria, and Cyprus also require travel insurance as part of their visa entry requirements, similar to the main European zone.
Key Things to Remember
- Check the Coverage: Some countries require a specific minimum amount (like the €30,000 rule in Europe).
- COVID-19 Protection: While many mandates have relaxed, some countries still require your insurance to specifically cover COVID-19 treatments.
- Carry a Printout: Always keep a physical copy of your insurance certificate in your hand luggage, as immigration officers may ask to see it upon arrival.