Let’s be honest, travel insurance isn’t the most glamorous thing on your pre-holiday checklist. It’s somewhere between “download the airline app” and “remember to water the plants.”
But in some places, it’s not just important to have it – it’s the law. Yep, certain countries won’t even let you in unless you can show proof of travel insurance at the border, or when applying for a visa.
So, where exactly is insurance a legal must-have? What kind of cover do you need? And what happens if you turn up without it? Here’s your one-stop guide to countries that require travel insurance, and why it’s worth having wherever you go.
Why do some countries make travel insurance mandatory?
Picture this: you’re in a foreign country, you’ve sprained your ankle zip-lining (or simply tripped over a rogue suitcase), and suddenly you’re being whisked off in an ambulance. The cost? Eye-watering. The stress? Through the roof.
Some governments have seen it all before. Many have decided to protect their own healthcare systems (and you!) by making insurance a requirement for entry.
Countries that legally require travel insurance (and what you need)
We’ve checked the rules and pulled together the most up-to-date list of countries where travel insurance is legally required, either as part of a visa application or on arrival.
Here’s where you definitely need to pack a policy.
1. Schengen Area (Europe)
If you’re applying for a Schengen visa to travel to places like France, Spain, or Italy, insurance isn’t optional – it’s a visa requirement. It’s essential to check the Schengen visa medical insurance requirements before you travel.
You’ll need:
- At least €30,000 in medical cover
- Proof of emergency repatriation
- Cover that’s valid across all 27 Schengen countries
Even if you don’t need a visa, insurance is still a good shout. Global Health Insurance Cards (GHIC) don’t cover everything, like repatriation or delays.
2. Cuba
Cuba requires all visitors to have travel insurance that includes medical expenses. Don’t be surprised if you’re asked for proof at immigration.
Check Cuba’s travel and health insurance requirements.
3. Ecuador (and the Galápagos Islands)
Visiting Ecuador? You’ll need health insurance, especially if you’re heading to the Galápagos Islands. With limited medical facilities out there, the government wants to be sure you’re covered.
4. Turkey
If you’re applying for a Turkey e-Visa, travel insurance is part of the package. Make sure your policy includes medical and repatriation cover, just in case your holiday takes a detour.
5. United Arab Emirates (UAE)
The UAE no longer has a blanket requirement for all tourists, but some visa types (like multi-entry or long-term tourist visas) still require proof of travel insurance. Many airlines and tour operators include basic cover, but check the fine print. It may not include medical or repatriation costs.
It makes sense to treat insurance as a must, even if it’s not mandatory for short stays.
6. Iran
Same story here. Valid travel insurance is required for your visa application. If your cover isn’t accepted, you might be told to buy a local policy on arrival. Spoiler: it won’t be as comprehensive.
7. Russia
Planning a trip to Russia? You’ll need to show proof of insurance when applying for your visa. And not just any policy. Some insurers need to be recognised by Russian authorities, so double-check before you book.
8. Algeria
Travellers applying for an Algerian visa must have valid travel insurance that covers the full duration of their stay. Your visa application won’t be processed without it.
9. Qatar
Qatar introduced a mandatory health insurance system for all visitors. You’ll need to purchase cover from a locally approved provider, either online or on arrival, before being granted entry.
Activity-based insurance requirements
Sometimes, insurance isn’t required to enter a country, but to do something amazing while you’re there. If you’re planning an adventure, check if you’ll need specialist cover too.
10. Nepal (trekking routes)
Dreaming of Everest Base Camp? You’ll need more than walking boots and altitude snacks. The Nepalese government requires certain trekkers to carry insurance that covers search and rescue, emergency helicopter evacuation and medical care, particularly for high-altitude areas.
You may also need to show proof of insurance when applying for a Trekking Information Management System (TIMS) card or a trekking permit.
11. Antarctica (cruises and expeditions)
Planning a once-in-a-lifetime trip to the White Continent? Travel insurance is mandatory for Antarctica expeditions. Due to the remoteness and extreme conditions, most cruise operators and tour companies require comprehensive policies that include medical evacuation, repatriation, and emergency treatment.
No policy = no boarding pass.
What about COVID-19 requirements?
Most countries have removed COVID-specific insurance requirements. Chile, Argentina, and Indonesia no longer require it by law.
However, airlines or tour operators may still request proof of general medical insurance. Some visa applications may also recommend COVID-19 travel insurance for extended stays.
It’s still a smart idea to have medical cover that includes infectious diseases, just in case.
What happens if you don’t have insurance?
Showing up without travel insurance in countries where it’s required could mean:
- Being denied boarding
- Being refused a visa
- Being turned away at the border
- Having to buy expensive emergency cover on arrival
- Or worse, getting stuck with sky-high medical bills and no support
Do you need travel insurance for countries where it’s not required?
Yes. Every time. Even in countries where travel insurance isn’t mandatory, it can save you thousands if something unexpected happens. For example:
- The USA has some of the highest healthcare costs in the world.
- Japan requires upfront payment for most medical services.
- Australia and Canada offer little to no free medical care for tourists.
And let’s not forget delays, cancellations, lost baggage, or stolen belongings. None of those are fun without cover.
Wherever you go, go covered
Travel insurance might not be the first thing you think about when planning your trip, but in some places, it’s your ticket to entry.
Even when it’s not legally required, it can be the difference between a small hiccup and a holiday disaster. So wherever you’re heading, pack your bags, charge your phone, and don’t forget your insurance policy.
Because adventures are better when they’re worry-