Javascript is not enabled.

Javascript must be enabled to use this site. Please enable Javascript in your browser and try again.

Skip to content

AARP Rewards is here to make your next steps easy, rewarding and fun. Find out more.

Content starts here
CLOSE ×

Search

Popular Searches

Games

Car rental

AARP daily Crossword Puzzle

Hotels with AARP discounts

Life Insurance

AARP Dental Insurance Plans

Travel

Suggested Links

Help Show me my account info Change my Address How do I contact AARP? Where is my membership card? How do I get a digital card?
Red Membership Card

AARP MEMBERSHIP — $12 FOR YOUR FIRST YEAR WHEN YOU SIGN UP FOR AUTOMATIC RENEWAL

Get instant access to members-only products and hundreds of discounts, a free second membership, and a subscription to AARP the Magazine.

120x30-AARP-logo-red
Join
Renew

AARP en Español

Join
Renew
Leaving AARP.org Website

You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.

Continue Cancel

Do You Need Special Health Insurance to Travel Internationally?

Some countries are requiring proof of medical coverage in the COVID-19 era

COVID-19 vaccination certification and travel health insurance form concept
courtneyk/Getty Images
By
Larry Bleiberg
 
Published June 29, 2021

Before your next international trip, you may have to add an item to your packing list: proof of health insurance.

As the world begins to reopen to tourism, Americans are finding that some countries, including many Caribbean nations, now require arriving passengers to document that they have medical coverage. And a few, such as Costa Rica, are even demanding special policies that cover up to $2,000 for the expense of quarantining in a hotel if a visitor tests positive for COVID-19, as well as at least $50,000 of expenses relating to coronavirus care.

"We're seeing this more and more,” says Brook Wilkinson, an editor at travel-advice website WendyPerrin. “If someone wants an easy-breezy trip 2019-style, that's going to be tricky."

Image Alt Attribute

AARP Membership— $12 for your first year when you sign up for Automatic Renewal

Get instant access to members-only products and hundreds of discounts, a free second membership, and a subscription to AARP the Magazine.

Join Now

You may already be covered by a health insurance plan in the U.S. A health insurance policy for international travel may be necessary if you don't have your own health plan, if your plan doesn't cover medical care outside of the U.S. or if your destination requires a special country-specific plan.

Here are questions to ask when considering whether you need to purchase travel health insurance.

Does the country you're visiting require travel health insurance?

Before COVID-19, some countries already required visitors to prove they had health insurance coverage, and now a growing number are requiring a special country-specific policy related to the pandemic.

While Western European countries haven't adopted the requirement, countries that have include Cambodia, which requires visitors to buy COVID-19 insurance from a local company ($90 for 20 days); Aruba; the Bahamas; the British Virgin Islands; Dubai; Egypt; Grenada; Jordan; Mauritius; Namibia; Rwanda; Saba; St. Martin/Sint Maarten; the Seychelles; Sri Lanka; and Thailand.

Entry requirements are changing frequently. Ask your travel agent or search online for the latest updates. The best source of information is usually the country's tourism office and the U.S. State Department. Other helpful resources include CanITravel.net and WendyPerrin.com, which maintains a comprehensive list. The sites also have the latest traveler requirements for COVID-19 vaccination, testing and quarantining. Note that the Centers for Disease Control and Prevention (CDC) advises delaying international trips until you are fully vaccinated.

If a country requires special health insurance, you must bring written proof, sometimes specifically mentioning coverage for COVID-19, which the insurer can provide. Without it, airlines may not let you board and some countries may not admit you.

Health & Wellness

AARP® Dental Insurance Plan administered by Delta Dental Insurance Company

Dental insurance plans for members and their families

View Details
See All Benefits
See more Health & Wellness offers >

Travel Insurance Terms

Travel health insurance covers medical issues that arise while you're traveling. You may need it if you don't have another form of health insurance, your health insurance doesn't fully cover you outside the U.S. or your destination requires visitors to purchase a particular plan.

Medical evacuation insurance covers transportation to a medical facility if there isn't one in your immediate destination. It may be included in a travel health insurance policy or bought separately.

Trip cancellation or disruption insurance allows you to recoup the nonrefundable portion of a trip canceled for a covered reason. Sometimes it covers cancellation in case of illness, but it doesn't cover medical care. It may or may not cover cancellation due to disease outbreaks (such as COVID-19) in your destination.

Does your current health insurance policy cover medical care outside the United States?

Even if you have health insurance and special coverage isn't required for entry to your destination country, you may still need a travel health policy. Many traditional health insurance policies, including basic Medicare plans, do not provide coverage outside the U.S. And while some Medicare supplement polices include overseas coverage, it may be limited.

"A lot of U.S. travelers really aren't aware of how much medical coverage they have when they're traveling internationally,” says Stan Sandberg, cofounder of TravelInsurance.com. “They're assuming that health insurance travels with them, but in many cases it doesn't."

If you don't have health insurance (travel or otherwise) that covers you in your destination, you could face bills running many thousands of dollars if a health emergency arises.

Will you be particularly vulnerable during your travels because of a health condition or high-risk activities?

The CDC recommends travel health insurance for international travel, particularly for those who “have an existing health condition, are traveling for more than six months, or doing adventure activities such as scuba diving or hang gliding.”

You can find travel health insurance plans that cover preexisting conditions, but you often need to purchase one shortly after paying for your trip (usually within two or three weeks). And some plans won't cover medical care for injuries resulting from activities that are generally considered high risk. So be sure your plan does if you want to be adventurous and, say, skydive.

Do you need emergency evacuation coverage?

Even if your health insurance includes medical transportation, it may just cover the cost of getting you to the nearest appropriate medical facility. For example, if you sustained a serious injury on a safari in South Africa, your carrier may pay for transportation to a hospital in Johannesburg but not the cost to fly you back home.

Some travel health insurance policies include emergency evacuation home, and other companies, such as Medjet (MedJetAssist.com) and GlobalRescue.com, sell stand-alone plans that provide the coverage.

Choosing a travel health insurance plan

Travel health insurance generally isn't super expensive. A policy for a 65-year-old going to Europe for two weeks could cost less than $35 for $50,000 in coverage, Sandberg says. Paying just a bit more can bring higher policy limits and extras like lost-baggage coverage. (By contrast, trip cancellation insurance is pricier, costing up to 10 percent of the price of your trip. And coverage that lets you cancel for any reason runs even more.)

Shop around. Sandberg's company offers quotes from multiple plans, as do platforms such as InsureMyTrip.com. These companies also sell travel cancellation insurance, but you can narrow your search for travel health insurance policies by entering $0 as your total trip cost.

And, as noted above, you may want to consider whether a policy covers medical care for preexisting conditions or for COVID-19 and whether it includes emergency evacuation.

AARP Travel Center

Or Call: 1-800-675-4318

Enter a valid departing date

Enter a valid returning date

Age of children:

Child under 2 must either sit in laps or in seats:

Enter a valid departing date

Age of children:

Child under 2 must either sit in laps or in seats:

Enter a valid departing date

Age of children:

Child under 2 must either sit in laps or in seats:

Flight 2

Enter a valid departing date

Flight 3

Enter a valid departing date

Flight 4

Enter a valid departing date

Flight 5

Enter a valid departing date

+ Add Another Flight

Enter a valid checking in date

Enter a valid checking out date

Occupants of Room 1:

Occupants of Room 2:

Occupants of Room 3:

Occupants of Room 4:

Occupants of Room 5:

Occupants of Room 6:

Occupants of Room 7:

Occupants of Room 8:

Enter a valid departing date

Enter a valid returning date

Age of children:

You didn't specify child's age

Occupants of Room 1:

There are children in room 1 without an adult

You didn't specify child's age for room 1

Age of children:

You didn't specify child's age

Occupants of Room 2:

There are children in room 2 without an adult

You didn't specify child's age in room 2

Age of children:

You didn't specify child's age

Occupants of Room 3:

There are children in room 3 without an adult

You didn't specify child's age in room 3

Age of children:

You didn't specify child's age

Occupants of Room 4:

There are children in room 4 without an adult

You didn't specify child's age in room 4

Age of children:

You didn't specify child's age

Occupants of Room 5:

There are children in room 5 without an adult

You didn't specify child's age in room 5

Age of children:

You didn't specify child's age

Age of children:

You didn't specify child's age

Child under 2 must either sit in laps or in seats:

You have more than 6 people total

Please select a trip duration less than 28 days

There must be at least 1 traveler (age 12+) for each infant in a lap

Enter a valid start date

Enter a valid drop off date

Select a valid to location

Select a month

Enter a valid from date

Enter a valid to date

AARP VALUE &

MEMBER BENEFITS

  • scrambled eggs, cheddar cheese, bacon strips, sausage links, hash browns, 4 pieces of white bread toast
    MEMBERS ONLY
    Restaurants

    Denny's

    15% off dine-in and pickup orders

    Learn More
    See more Restaurants offers >
  • A happy couple in white summer clothing on vacation walks along a wooden pier over tropical, turquoise ocean in the Maldives, Indian Ocean
    MEMBERS ONLY
    Travel

    AARP Travel Center Powered by Expedia: Vacation Packages

    $50 gift card of your choice when booking any flight package

    Learn More
    See more Travel offers >
  • kitchen scene with an island where a full of groceries yellow and white with Walmart+ logo bag is sitting
    MEMBERS ONLY
    Shopping & Groceries

    Walmart+

    $20 off a Walmart+ annual membership

    Learn More
    See more Shopping & Groceries offers >
  • couple on couch looking at tablet
    Health & Wellness

    AARP® Staying Sharp®

    Activities, recipes, challenges and more with full access to AARP Staying Sharp®

    Learn More
    See more Health & Wellness offers >