The list of countries requiring proof of travel insurance is growing — even Eurostar passengers are being questioned by French border officials. What started as a pandemic-era rule has quietly made a comeback, and this time, it’s not going away anytime soon.
Travel Insurance Requirements Are Back
A growing number of countries are no longer just suggesting that travelers purchase insurance — they’re making it a condition of entry. Travelers have reported random spot checks at borders, train stations, and airline check-ins. In some cases, travelers without valid coverage have been denied boarding or entry altogether.
These checks echo the pandemic years when destinations like Chile and many Caribbean islands imposed mandatory coverage rules. Now, similar requirements are returning, but for broader reasons — protecting national healthcare systems and reducing financial strain on governments.
Where Travel Insurance Is Required
Several countries have already implemented formal travel insurance mandates:
- Argentina now requires travel insurance, and sales have surged since the rule took effect.
- The Schengen Area (29 European countries) requires visa applicants to have at least $35,000 in medical coverage, including hospitalization and repatriation.
- France goes a step further, requiring all travelers — even visa-free visitors — to carry proof of medical travel insurance.
- Cuba mandates medical coverage and checks for proof upon arrival.
- Ecuador and the Galápagos Islands require proof of health insurance before boarding.
- Thailand, Turkey, the UAE, and Russia have similar requirements tied to visa categories or entry points.
In total, more than 23 countries now require travel insurance, and many more are expected to follow.
“As more countries prioritize their healthcare systems, this trend is here to stay,” says Daniel Durazo of Allianz Partners USA.
Why Governments Are Making Travel Insurance Mandatory
During the COVID-19 pandemic, hospitals around the world were overwhelmed, and governments often had to absorb medical costs for uninsured visitors. This experience reshaped how countries view travel risk and financial responsibility.
“COVID-19 exposed how fragile healthcare systems could be,” says Vlad Polyanskiy of FlightRefunder. “Travel insurance became a tool for protection.”
Now, governments are enforcing these requirements to prevent unpaid hospital bills, manage healthcare costs, and promote reciprocity — aligning travel policies across regions, similar to the Schengen model.
How Much Coverage Do You Need?
The minimum requirement in most countries is $35,000 in medical coverage, though some require up to $55,000. Experts recommend carrying at least $100,000 in international medical coverage to ensure adequate protection, as healthcare costs abroad can quickly escalate.
Policies should include:
- Emergency medical treatment
- Hospitalization
- Repatriation
- Medical evacuation
Some destinations still require coverage for COVID-19, while others emphasize medical evacuation and unpaid care prevention.
Inconsistent Enforcement — A Risky Gamble
One of the biggest frustrations for travelers is the inconsistent enforcement of these rules. Some travelers pass through checkpoints without issue, while others are denied boarding or entry for lacking valid proof.
“When enforcement happens, it’s absolute,” warns Global Rescue’s Dan Richards. “No proof of protection means no travel.”
Even if a traveler manages to enter without insurance, it’s a risky bet. A sudden illness, accident, or emergency evacuation can result in bills reaching tens of thousands of dollars.
What to Do Before You Travel
Here’s a quick checklist to stay compliant and protected:
- Check entry requirements early. Visit the official embassy or government website for your destination.
- Buy comprehensive coverage. Ensure your policy meets the country’s minimum requirements and includes emergency medical, trip interruption, and evacuation coverage.
- Carry proof at all times. Keep both printed and digital copies of your insurance certificate for border, airline, or train checks.
- Choose a trusted provider. Some countries only recognize specific insurers. Work with a reputable company to avoid coverage issues.
Maybe This Is for the Better
Frequent travelers know the value of insurance. Emergencies happen anywhere — and medical evacuations, surgeries, or even a routine hospital visit can be financially devastating without coverage.
“You never can predict when a disaster might strike,” says Susan Sherren of Couture Trips. “Your appendix doesn’t care what time zone or country it’s in.”
Ultimately, mandatory travel insurance may be a positive shift. Treat it as an essential part of your travel budget — not just for compliance, but for peace of mind. With proper coverage, you can focus on enjoying your journey, knowing you’re protected against the unexpected.