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Travel Insurance Destinations Guide

Travel Insurance Destinations Guide

The destination in which you intend to travel will be reflected in the price of your travel insurance, and when you live with pre-existing medical conditions there are certain areas which can be more costly and even difficult to obtain cover for. This page provides information and things to consider when choosing your travel destination and applying for medical travel insurance:

The destination in which you intend to travel will be reflected in the price of your travel insurance, and when you live with pre-existing medical conditions there are certain areas which can be more costly and even difficult to obtain cover for. This page provides information and things to consider when choosing your travel destination and applying for medical travel insurance:

How Does Destination Impact the Cost of Travel Insurance?

It’s standard for travel insurance companies to base their prices from low to high according to the order of the following geographical categories:

1: UK
2: Europe
3: Worldwide Excluding USA, Canada and the Caribbean
4: Worldwide Including USA, Canada and the Caribbean

Of course there are other factors that impact on the cost of travel insurance apart from destination, such as length of time away and age, but typically UK and European destinations generate cheaper travel insurance premiums than the rest of the world.  With countries in Europe being closer to the UK, often flights and travel costs are lower, so if you need to claim for say cancellation, it will be a lesser amount than if you’re cancelling a flight to Australia, and therefore insurers charge less. 

Travel Destinations and Medical Conditions

Even though destinations are grouped and priced based on the geographical categories shown above, the additional premium to cover pre-existing medical conditions is determined by your current health status and the type of health care system operated in the country you intend to visit. If a country operates a high level of privatised healthcare, it will cost more to receive medical treatment.  Insurers take the potential costs of treating your specific medical conditions into account, so you may find for instance, some countries in Europe may be more expensive than others to get cover for.  Below we detail how certain areas can affect the cost of your insurance if you have pre-existing medical conditions:

H3: Spain, Canary Islands, Balearic Islands, Malta, Greece, Cyprus

These areas operate a high level of privatised healthcare so travel insurance tends to cost more to cover pre-existing medical conditions than other areas of Europe.  That’s not to say you will not be able to access NHS equivalent treatment in these places, but if it’s an emergency you may not be given the choice. It’s also worth knowing that the European Health Insurance Card (EHIC) cannot be used in private hospitals and treatment centres, making medical travel insurance essential!  If you have pre-existing medical conditions and have been declined cover for any of the above areas, try getting a quote for another area of Europe and you may have better success in being accepted for cover.

Find out more about the EHIC >>

H3: USA, Canada, Caribbean, China and Hong Kong

For people living with pre-existing medical conditions and those over the age of 60, these areas can be particularly tricky to get cover for. We at Medical Travel Compared urge people who want to travel to these areas to get quotes before booking a trip to avoid disappointment.  The reasons why travel insurance can be difficult and costly is all to do with the potential risk of claiming to receive expensive medical treatment whilst there.  The USA is notorious for its expensive medical bills! And although medical services in the Caribbean Islands may be cheaper, there is a strong possibility you will be flown to the USA should you become unwell and require advanced treatment. Repatriation back to the UK is extremely costly from these areas which also contributes to the higher insurance premiums. 

H3: Travel Insurance for Australia

You will be pleased to learn that a reciprocal healthcare agreement exists between Australia and the UK. This entitles British Citizens travelling on a UK passport to subsidised medical treatment from Medicare Australia. However, it doesn’t cover non urgent treatment or pre-existing medical conditions, which is why having adequate travel insurance in place when travelling to Australia is important. Travel insurance quotes for Australia tend to be more reasonable than USA, Canada, Caribbean, China and Hong Kong, and easier to get accepted for cover when you have pre-existing medical conditions, but be aware if you’re travelling to Australia and stopping via any of the higher rated areas mentioned, you will need to tell your insurer, which may increase your premium. Stopping  in areas such as Dubai or Singapore could keep your costs down! 

Which Countries Do I Need Travel Insurance for?

Travel insurance is not compulsory everywhere – however there are some countries that do require you to be covered by a travel insurance policy in order to enter at the border. We’ve provided information for each and every country in the tables below.

Each table is divided by continent and ordered alphabetically. Alternatively see our guide to find a breakdown of each country where travel insurance is a mandatory requirement.

The majority of countries worldwide don’t require you to be in possession of a valid insurance policy to gain entry – but there are a few exceptions.

Note: this information is subject to change in light of any sudden amendments to legislation concerning travel to any of the countries listed. Therefore, you should always check the Foreign Travel Advice sections on the GOV.UK website – or the tourist bureau for the country concerned.

UK

 

Do I need travel insurance for England?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Northern Ireland?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Scotland?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Wales?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for the Isle of Man?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for the Channel Islands?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

 

Europe

 

Do I need travel insurance for Albania?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Andorra?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Armenia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Austria?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Belarus? *

Travel insurance is mandatory for tourist entry into Belarus. You need medical insurance to a minimum value of €5,000.

Do I need travel insurance for Belgium?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Bosnia and Herzegovina?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Bulgaria?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Croatia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Cyprus?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Czech Republic?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Denmark?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Estonia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Finland?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for France?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Germany?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Greece?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Hungary?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Iceland?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Ireland?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Italy?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Latvia? *

Travel insurance is mandatory for tourist entry into Latvia. You will need to show your policy upon arrival.

Do I need travel insurance for Liechtenstein?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Lithuania?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Luxembourg?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Malta?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Monaco?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Netherlands?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Norway?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Poland?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Portugal?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Romania?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Russia? *

Travel insurance is mandatory for some visa applicants. See Russian Visa Guidelines for more information.

Do I need travel insurance for Serbia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Slovakia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Slovenia? *

Travel insurance is a mandatory requirement for entry into Slovenia - and the process of your visa. It has to cover a minimum of €30,000 for medical repatriation.

Do I need travel insurance for Spain?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Sweden?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Switzerland? *

Travel insurance is a mandatory requirement for entry into Switzerland - and the process of your visa. It has to cover a minimum of €30,000 for medical repatriation.

Do I need travel insurance for Turkey?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Vatican City?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

 

North America

 

Do I need travel insurance for Antigua and Barbuda?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Bahamas?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Barbados?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Belize?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Canada?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Costa Rica?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Cuba? *

Travel insurance is mandatory for tourist entry into Cuba. You will need to show your policy upon arrival.

Do I need travel insurance for Dominican Republic?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Grenada?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Guatemala?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Haiti?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Honduras?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Jamaica?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Mexico?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Nicaragua?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Panama?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for St Kitts and Nevis?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for St Lucia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for St Vincent and the Grenadines?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Trinidad and Tobago?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for USA?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended. Medical care can be particularly expensive in the USA.

 

South America

 

Do I need travel insurance for Argentina?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Bolivia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Brazil?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Chile?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Colombia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Ecuador?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Guyana?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Paraguay?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Peru?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Uruguay?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Venezuela?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

 

Africa

 

Do I need travel insurance for Egypt?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Ethiopia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Gambia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Kenya?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Mauritius?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Morocco?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Mozambique?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Namibia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Nigeria?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Rwanda?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Seychelles?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Sierra Leone?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for South Africa?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Tanzania?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Tunisia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Uganda?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Zimbabwe?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

 

Asia

 

Do I need travel insurance for Bahrain?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Bangladesh?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Cambodia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for China?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for India?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Indonesia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Israel?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Japan?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Laos?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Lebanon?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Malaysia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for the Maldives?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Nepal?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Oman?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Pakistan?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for the Philippines?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Qatar?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Saudi Arabia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Singapore?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for South Korea?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Sri Lanka?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Taiwan?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Thailand?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for UAE?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Vietnam?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

 

Oceania

 

Do I need travel insurance for Australia?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Fiji?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for New Zealand?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Papua New Guinea?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Samoa?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Solomon Islands?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

Do I need travel insurance for Tonga?

Travel insurance is not a compulsory requirement here - but getting suitable cover before you travel is always recommended.

 

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How Medical Travel Compared works

We’re a specialist comparison website that provides people with pre-existing medical conditions an easy way to find suitable travel insurance. You’ll find a range of guides, articles and tips across our site. Whilst we always aim to provide the most accurate information and guidance, we can’t always guarantee that the information contained in the pages of our website is correct. Because of this, we can’t accept liability if things go wrong and you use the information at your own risk.

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