Countries that now require international health insurance to enter the country

The pandemic has created a new phenomenon. Countries are trying to protect their own national health systems from the potential financial harm of caring for travelers who contract COVID-19 while abroad and have no insurance coverage for their treatment.

Would-be tourists should be aware that international health insurance must be purchased separately from their standard US health insurance and cancellation insurance, and that international health insurance is rarely included in their existing health insurance plans.


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In addition, due to the pandemic, any existing international insurance coverage that might be included in your current health insurance plan can be canceled simply by traveling to a COVID-affected region. Of course, you will only find out about this exclusion if you read the fine print.

“What often happens is that domestic health insurance is simply not accepted by health care providers outside the US,” a spokesman for well-known travel insurer Allianz told Conde Nast Traveler.

“The reason for [requiring healthcare coverage] is to prevent local health care providers and governments from having to pay the bill for uninsured tourists, ”the Allianz spokesman continued. “The insurance coverage also protects travelers from potentially catastrophic medical bills or emergency medical transport costs.”

Already during the reopening to foreigners, many countries require arrivals to present evidence of a recent negative COVID-19 test at the airport or to take a test or retest (at their own expense) as soon as they touch down and then quarantine themselves pose waiting for the results.

The following destinations require mandatory proof that you have an international travel health insurance plan – usually separate from your existing home health insurance – in order to exceed their limits. If you are planning to travel outside of the United States, check with the destination offices beforehand to see if a specific policy is required there.

View of the Aruba coast in Palm Beach.  (PHOTO: Photo via Lux Blue / iStock Editorial / Getty Images Plus)
PHOTO: View of the Aruba coast in Palm Beach. (Photo via Lux Blue / iStock Editorial / Getty Images Plus)


Ahead of reopening on July 1st, Aruba put in place one of the toughest COVID-19 insurance requirements. Visitors to the island state are required to purchase a new, preselected health policy from the Aruba government that covers US $ 75,000 in hospital costs, “Initial tests of suspected cases, [and] up to four medically necessary COVID-19 tests as part of an outpatient follow-up test. “

The price of the policy varies depending on the age and length of stay of each traveler and can be calculated online here.

Compulsory insurance does not include the cost of visitors’ COVID-19 PCR tests, which must be carried out within 72 hours of arrival and the negative results of which they need to enter the country. Alternatively, you can prepay the test upon arrival at Queen Beatrix International Airport and place it in quarantine until the results are in.

Costa Rica

On August 1, Costa Rica will allow residents of Canada, the UK and the EU to enter the country if they provide evidence of negative COVID-19 test results from a sample taken within 48 hours of their departure, as well as proof of international health insurance. “Coverage of accommodation in the event of quarantine and treatment costs due to an acute illness.”

St. Maarten

This Caribbean country, which reopened to US tourists on August 1st, requires visitors arriving from high or medium risk countries to provide evidence of negative results from a COVID-19 PCR test performed within 72 hours her departure was carried out. All travelers staying in St. Maarten must provide evidence of appropriate health insurance coverage. “Additional travel insurance to cover expenses related to COVID-19 is strongly recommended,” the website says.

Overwater bungalows in Bora Bora
PHOTO: Overwater bungalows in Bora Bora, Tahiti. (Photo via Pixabay)


Tahiti and French Polynesia, which reopened to international visitors on July 15, require all visitors over the age of six arriving by air to provide evidence of a negative COVID-19 PCR test result obtained within 72 hours of prior her departure was carried out. Each adult must also fill out a digital registration form in which they must certify that they have taken out proper travel insurance, “or personally pay all costs related to treatment, including hospitalization, accommodation or repatriation, should the visitor fall ill”. their stay. “

Turks and Caicos Islands

Turks and Caicos reopened to overseas tourists on July 22nd and requires all visitors to submit a three-step travel pre-authorization application via the new TCI Assured Portal. Applicants must complete an online health care questionnaire, upload evidence of negative results from a COVID-19 PCR test performed within five days of their arrival (excluding children under the age of ten) and provide proof of insurance, “Which covers COVID-19. 19 medical costs and full hospitalization, doctor visits, prescriptions and ambulances. “

Burj Al Arab
PHOTO: Burj Al Arab, Dubai, United Arab Emirates. (Photo via Nikada / Getty Images / iStock unpublished)

United Arab Emirates

The United Arab Emirates (UAE) are reopened to tourists who can demonstrate a negative result of a COVID-19 PCR test that was performed no more than 96 hours before their departure (children under 12 and those with moderate or severe severity Disabilities are excluded) and proof of international health insurance coverage.

Most international flights go through Dubai Airport, which also has its own health regulations and protocols that must be followed. Therefore, all travelers must now also download the dedicated COVID19-DXB app (iOS or Android) for easy reference.

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