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After more than a year of travel disruptions due to the pandemic, some countries now require travel insurance for medical expenses related to Covid-19 before they can enter the country.
If you’re hoping to get new stamps in your passport, here’s what you need to know.
Travel insurance requirements by destination
Anguilla: All visitors must prove that they have health insurance that covers medical expenses related to Covid-19.
Aruba: Incoming visitors must purchase Covid-19 travel insurance from the government of Aruba. Your own travel insurance can supplement visitors’ insurance from Aruba, but it cannot replace it.
Bahamas: All international visitors aged 18 and over must obtain a travel health visa for the Bahamas. 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 travelers.
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 health and accommodation costs related to Covid.
Cambodia: Visitors must purchase a local health insurance package that covers at least $ 50,000 in Covid-19 medical benefits and must be valid for 20 days.
Cayman Islands: Visitors are required to have coverage for Covid-19 medical expenses.
Chile: Visitors must show proof of a health insurance policy that covers medical costs for Covid-19 and include coverage of at least $ 30,000.
Costa Rica: Fully vaccinated adults and minors under 18 can 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 a minimum coverage of $ 50,000 for Covid-related medical treatment and $ 2,000 for accommodation costs due to Covid-related illness.
French Polynesia: Visitors are required to purchase travel insurance with Covid-19 coverage, or must sign a declaration to pay all medical expenses if they contract Covid-19.
Israel: Travelers must have travel medical insurance that covers Covid-19.
Jamaica: Travelers must pay a mandatory fee of $ 40 under the ‘Jamaica Cares’ program to cover medical costs related to Covid. The Jamaica Cares program includes travel medical insurance up to $ 100,000 per person and island health coverage up to $ 50,000.
Jordan: Visitors are required to take out a travel insurance policy that covers medical costs related to Covid-19.
Lebanon: Visitors should have a travel insurance plan that covers medical treatments related to Covid.
Nepal: Tourists must have proof of travel medical insurance that covers the duration of their trip.
Saint-Martin : Travelers must purchase Covid-19 insurance from the government of Saint-Martin. The cost is $ 15 for those 15 and over and free for those 14 and under.
Thailand: All visitors are required to have at least $ 100,000 of travel medical insurance that covers medical expenses related to Covid.
Turks and Caicos Islands: Visitors must provide proof of a travel insurance policy that covers medical costs related to Covid.
Ukraine: All visitors must have an insurance policy issued by an insurance company registered in Ukraine that covers medical costs related to Covid.
Why do countries require Covid-19 travel insurance?
Many countries require visitors to carry travel medical insurance so that they do not absorb 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 Plans
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 have 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 $ 100,000 of travel insurance covering medical costs related to Covid.
What happens if you do not purchase the required insurance?
If you arrive in a country that requires travel insurance and you don’t have a policy, you won’t 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 it must be performed 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 by nasopharyngeal swab.
More travel insurance options
It’s a good idea to consider purchasing more coverage than the minimum requirements in your destination country. The insurance required may not be right for you.
For example, in many countries, the United States Department of State recommends a travel insurance plan that includes emergency medical evacuation coverage.
Aside from Covid-related expenses, it’s good to have travel insurance for other types of issues, like trip cancellation and lost baggage. Here are some other types of coverage that can be included in a comprehensive travel insurance plan:
- Trip cancellation insurance will reimburse you for 100% non-refundable prepaid deposits if you need to cancel your trip for a reason covered by your policy, such as death in the family, injury or illness of a traveler.
- Travel delay and interruption coverage help if you miss part of your trip or if it is cut short for a problem covered by your policy (such as a late flight). This coverage reimburses you for any additional costs you may incur as a result of 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 of canceling your trip (at least two days before departure). “Cancel for Any Reason” coverage will typically reimburse a portion of your prepaid travel expenses (typically 50% or 75%, depending on the plan).