2025.12.08 2025.12.29

Which Countries Require Travel Insurance to Enter?

takayuki

Many countries only recommend having insurance, but several countries have made it a requirement for all visitors.
*If you do not have insurance, you may be denied entry.

These countries want to ensure that travelers can pay for medical care or emergency support without putting pressure on local healthcare systems or facing high personal costs.

This page explains which countries require travel insurance, what type of coverage you need, and how to prepare before your trip.

Contents

Countries That Require Travel Insurance for Entry

Some destinations have made travel insurance a mandatory entry requirement to ensure that visitors can pay for medical treatment and emergency services when needed.

These rules protect both travelers and local healthcare systems from unexpected expenses.

Below is a list of countries that require valid travel insurance upon arrival, along with general guidance on what you need to prepare.

Estonia🇪🇪
Lithuania🇷🇴
Latvia🇱🇻
Czech Republic🇨🇿
Bulgaria🇧🇬
Hungary🇭🇺
Poland🇵🇱
Ecuador🇪🇨
Cuba🇨🇺
Iran🇮🇷

If you plan to visit any of these countries, check the latest entry rules and secure the necessary travel insurance before your trip.

Having the right coverage helps you travel safely and avoid unexpected costs.

① Estonia🇪🇪

Estonia may ask travelers to show proof of travel insurance when entering the country, so make sure your insurance certificate is available in English.

The Estonian government does not list specific coverage amounts, but travelers are encouraged to carry insurance that includes the following:

Medical expenses
Emergency medical evacuation
Repatriation coverage

Having these protections ensures you are prepared for unexpected situations during your stay in Estonia.

② Lithuania🇷🇴

Lithuania requires travelers to have travel insurance that covers the following:

Medical costs
Emergency medical evacuation
Repatriation

There is no fixed minimum amount for general travelers. However, Schengen visa applicants must have at least €30,000 in medical coverage.

Your insurance certificate must be provided in English or Lithuanian. Be sure to have a copy ready before your trip.

③ Latvia🇱🇻

To enter Latvia, travelers must present proof of health insurance that covers their entire stay.

If you do not have valid insurance, you may be asked to purchase coverage from a Latvian insurance provider when you arrive.

④ Czech Republic🇨🇿

Travelers entering the Czech Republic must present valid travel insurance that includes:

Medical expenses
Emergency medical evacuation

If you arrive without proper insurance, you may be required to buy coverage from a local provider before being permitted to enter the country.

⑤ Bulgaria🇧🇬

To enter Bulgaria, visitors must show proof of valid health insurance that covers the following:

Medical expenses
Emergency medical evacuation

If you do not have appropriate insurance, you may be required to purchase a policy from a Bulgarian insurer when you arrive.

⑥ Hungary🇭🇺

Visitors to Hungary must have travel insurance that covers:

Medical expenses
Hospitalization
Emergency medical evacuation

The insurance must be valid in all Schengen countries and meet the minimum required coverage.

If you cannot show proof of insurance at the border, you may be denied entry or asked to purchase a local policy.

⑦ Poland🇵🇱

Travelers visiting Poland must have valid travel insurance that covers:

Medical expenses
Hospital treatment
Emergency medical evacuation

The insurance must be accepted throughout the Schengen Area. Without proof of coverage, travelers may be denied entry or asked to purchase a local policy.

⑧ Ecuador🇪🇨

Ecuador requires all visitors to have travel insurance that includes:

Medical expenses
Hospitalization
Emergency evacuation

Travelers who cannot provide proof of insurance may face entry restrictions or be asked to purchase coverage upon arrival.

⑨ Cuba🇨🇺

All travelers entering Cuba must have health insurance that covers:

Medical expenses
Hospitalization
Emergency services

Proof of insurance must be presented upon arrival.

If a traveler does not have a valid policy, they must purchase insurance from a Cuban provider at the airport before being allowed entry.

⑩ Iran🇮🇷

Travelers visiting Iran must have travel medical insurance that covers:

Medical expenses
Hospitalization
Emergency care

Immigration authorities will verify your insurance upon arrival.

If you do not have an approved policy, you must purchase coverage from a local provider at the airport before entering the country.

What Happens If You Don’t Have Travel Insurance?

In countries where travel insurance is mandatory, arriving without valid coverage can result in strict penalties.

Here are the possible consequences:

Risk of being denied entry at border control
Requirement to buy insurance upon arrival, often at higher cost with limited coverage
Fines or removal from the country for not meeting entry rules

Risk of being denied entry at border control
Requirement to buy insurance upon arrival, often at higher cost with limited coverage
Fines or removal from the country for not meeting entry rules

These points show why securing the right travel insurance before your trip is essential.

① Risk of being denied entry at border control

Many countries strictly enforce travel insurance rules.

If you cannot present valid proof of coverage, you may be denied entry and sent back to your home country or required to change your travel plans.

This can result in unexpected costs and significant disruptions to your trip.

② Requirement to buy insurance upon arrival, often at higher cost with limited coverage

Some countries allow travelers to buy insurance upon arrival if they do not have valid coverage. However, this option often comes with drawbacks:

Higher cost compared to purchasing insurance in advance
Limited coverage that may exclude essential benefits such as emergency evacuation
Less flexibility, with fewer customization options than international policies

For these reasons, securing travel insurance before your trip is usually the better choice.

③ Fines or removal from the country for not meeting entry rules

In some situations, failing to meet travel insurance requirements may lead to:

Fines for non-compliance
Immediate deportation at your own expense
Legal consequences, depending on immigration rules

To avoid these issues, always check your destination’s entry requirements and secure the appropriate coverage before you travel.

Having comprehensive travel insurance supports smooth entry procedures and offers financial protection in emergencies.

Do I Need Travel Insurance to Enter the USA?

The United States does not require travelers to show proof of travel insurance at the border.

Although it is not a legal requirement, having insurance is strongly recommended, especially for long stays or for travelers with medical needs.

Why Travel Insurance Is Important for the USA

Expensive Healthcare Costs
: Medical care in the U.S. is very expensive, and most foreign health insurance plans do not cover treatment.
Trip Cancellations and Delay
: Insurance can reimburse costs caused by unexpected disruptions such as flight cancellations or long delays.
Medical Emergencies and Natural Disasters
: If you need emergency treatment or evacuation due to a natural disaster, insurance can cover major expenses.
Lost or Stolen Luggage
: Coverage helps pay for replacement items if your luggage is lost or stolen.

While travel insurance is not required for entry, it remains an essential safety measure.

The financial risk of traveling in the U.S. without coverage can be significant, especially due to high medical costs.

For a safe and worry-free trip, choosing comprehensive travel insurance is highly recommended.

For those planning to travel to the US

Best Travel Insurance for the U.S. with Strong and Affordable Coverage

Choosing the Right Travel Insurance

Selecting the right travel insurance depends on your trip length, budget, and the level of coverage you need. Consider the following points when choosing a policy.

Trip Duration

Short trips: Basic coverage may be enough. Long-term travelers and digital nomads: A more comprehensive plan is recommended, including medical emergencies, trip cancellations, and evacuation.

Budget Considerations

Basic plans start at around $56.28 per month and cover essential medical and travel needs. Comprehensive plans, such as those from World Nomads, offer broader protection but come at a higher price.

Coverage Requirements

Schengen visa applicants must have a minimum of €30,000 in medical coverage.
Essential coverage should include emergency medical treatment, evacuation, and protection for trip interruptions.

Choosing the right insurance helps you meet visa requirements, stay financially secure, and enjoy your trip with confidence.

Best Travel Insurance Plans for Mandatory Coverage

If you are traveling to the Schengen Area, you must choose an insurance plan that meets the €30,000 medical coverage requirement. This ensures protection for:

✔️ Medical emergencies
✔️ Hospital treatment
✔️ Emergency evacuation

To make your decision easier, here is a comparison of three leading travel insurance providers that meet these mandatory coverage standards.

No,1

SafetyWing

Insurance fee (4 weeks)

・$56.28 (not including the US)
・$104.44 (including the US)

Medical Compensation

$250,000

Emergency Transportation

$20,000

Dental treatment

$1,000

Flight delays

$200

Damaged/stolen/lost personal belongings

Without

Standby time

0 hours

Check

No.2

World Nomads

Insurance fee (4 weeks)

・$220.43 (not including the US)
・$265.07 (including US)

Medical Compensation

$5,000,000

Emergency Transportation

$500,000

Dental treatment

$300

Flight delays

$500

Damaged/stolen/lost personal belongings

$2,500

Standby time

72 hours

Check

No.3

Heymondo

Insurance fee (4 weeks)

・$113.05 (not including the US)
・$130.16 (including the US)

Medical Compensation

$5,000,000

Emergency Transportation

$500,000

Dental treatment

$300

Flight delays

$450

Damaged/stolen/lost personal belongings

$1,700

Standby time

72 hours

Check

This comparison helps you choose a travel insurance plan that fits your trip duration, budget, and coverage needs.

Before buying a policy, review the specific benefits and exclusions to ensure you receive the best protection for your travels.

SafetyWing

SafetyWing Nomad Insurance is a reliable and cost-effective option for digital nomads, remote workers, and frequent travelers who need flexible health coverage.

With worldwide protection and adjustable policy options, it offers a convenient way to stay insured while traveling—without long-term contracts or complicated requirements.

Key Features of SafetyWing

Affordable monthly premium starting at $56.28
Flexible coverage duration, with policies available from as little as 5 days
(For example, a 5-day policy costs only $10.05)
No waiting period when enrolling from abroad
24/7 live chat support for help anytime
Comprehensive travel coverage, including flight delays and lost baggage
Simple online application with fast quotes and easy enrollment

For more information, please visit the page below.

» SafetyWing Travel Insurance Review

Heymondo

Heymondo offers comprehensive travel insurance that is ideal for travelers who want strong coverage at an affordable price.

With plans designed for both short trips and long-term travel, Heymondo provides a flexible option for anyone seeking reliable protection while abroad.

Key Features of Heymondo

Affordable premiums starting at $104.44 for a 4-week policy, including coverage in the U.S.
High medical coverage of up to $5,000,000 for unexpected injuries or illnesses
Emergency transportation benefits, including up to $500,000 for medical repatriation and transportation in case of death
Instant policy activation, allowing you to travel without waiting periods
24/7 assistance for emergency support during your trip
Customizable plans, letting you choose coverage based on your trip type and duration

For more information, please visit the page below.

» Heymondo Insurance Reviews

World Nomads

World Nomads is a popular insurance option for digital nomads and freelancers working abroad. Although its premiums are higher than some other providers, it offers extensive coverage, making it a strong choice for travelers who want reliable and comprehensive protection.

Key Features of World Nomads

Competitive premiums starting at $113.05 for a 4-week policy, excluding coverage in the U.S.
Extensive medical coverage of up to $5,000,000 for unexpected injuries or illnesses
Emergency medical evacuation benefits, including up to $500,000 for serious health issues or emergencies
Adventure travel coverage for more than 200 activities such as hiking, skiing, and scuba diving
No age limit, allowing travelers of all ages to apply
24/7 global assistance for emergency support wherever you are

For more information, please visit the page below.

» World Nomads Insurance Reviews

Final Considerations Before Your Trip

Before you travel, keep the following points in mind to ensure a smooth and stress-free journey.

Check official travel insurance requirements

Some countries require emergency medical coverage or repatriation insurance.
The Schengen Area requires at least €30,000 in medical coverage.
Travelers to the U.S. can check the State Department website for health coverage guidelines.
Requirements may change, so confirm the latest information close to your departure date.

Choose a policy that includes

Medical expenses – Covers hospital stays, treatment, and unexpected medical costs.
Emergency evacuation and repatriation – Ensures you can return home if you experience a serious illness or injury.
Trip cancellation and interruption – Protects your finances if your travel plans change due to unexpected events.

Always carry proof of insurance

Keep a digital or printed copy easily accessible.
Some immigration authorities may ask for proof when you enter the country.
Having documentation on hand ensures quick support in case of an emergency.

By staying informed and well-prepared, you can travel with confidence and avoid unnecessary complications.

Safe travels!

Frequently Asked Questions About Mandatory Travel Insurance

Q.1 Do I need additional travel insurance if my plan only includes medical benefits?: If your plan covers only medical expenses, you may still need extra protection for other parts of your trip, such as cancellation, lost items, or emergency interruptions. It is important to consider all your travel needs and choose a comprehensive policy that protects you beyond medical costs.

Q2. What is proof of insurance, and how do I present it at immigration?: Proof of insurance is a document or certificate that confirms you have valid travel coverage. It usually includes your policy number, coverage details, and coverage dates. You can show a printed copy or a digital version on your phone or tablet when immigration officers request it.

Q3. Do I need travel insurance even if my destination does not require it?: Even if a country does not require travel insurance, having coverage is still strongly recommended. Travel insurance protects you from unexpected situations such as medical emergencies, trip cancellations, lost belongings, or flight delays. It provides both security and financial protection, making it a valuable investment for any trip.

Conclusion: Stay Protected When Traveling

Many countries require travelers to have travel insurance to ensure that visitors can cover unexpected expenses without placing pressure on local healthcare systems.

This requirement is especially common for travelers applying for certain visas, such as the Schengen Visa, which mandates a minimum level of medical coverage.

Travel insurance provides essential protection, including:

Medical emergencies that require urgent care or hospitalization
Trip cancellations or delays caused by unexpected events
Lost or stolen baggage
Emergency evacuation and repatriation

Having the right travel insurance policy helps you meet entry requirements and gives you peace of mind throughout your journey.

To avoid last-minute problems, plan ahead and secure the appropriate coverage before you travel. With the right insurance in place, you can focus on enjoying your trip, knowing you are protected if anything unexpected happens.

Safe travels!

Comparing 4 online travel insurance companies