More than forty countries require travelers to be covered by insurance covering Covid-19 (health costs, repatriation, even accommodation). Our advice to see things more clearly.
Visas, electronic travel authorizations (AVE for Canada or Esta for the United States) and now, insurance. The list of administrative formalities to pay attention to before leaving on a trip has grown with the Covid-19 pandemic. While travel insurance was optional in the vast majority of countries until now (only a few destinations such as Algeria, China, Cuba or Russia required it), the obligation to have one is not no longer an exception.
More than forty countries request it. With one particularity: in most cases, the authorities ask that the insurance certificate mention that the costs linked to contamination with Covid-19 (health costs, hospitalization, repatriation, etc.) are covered. This is not the case for all contracts, so check carefully what your certificate mentions.
Which countries are concerned?
As of February 14, 41 countries are concerned.
In Africa, these are Algeria, Benin, Cape Verde, Djibouti, Kenya, Mozambique, Namibia, Seychelles, Togo and Mauritius.
In the Americas, are concerned Aruba, Argentina, Bahamas, Belize, Bolivia, Chile, Costa Rica, Cuba, Ecuador, Guatemala, El Salvador, Paraguay, Sint Maarten and the Turks and Caiques.
In Asia, Saudi Arabia, Cambodia, China, Indonesia, Jordan, Lebanon, Malaysia, Maldives, Mongolia, Nepal, Oman, Pakistan, Philippines, Singapore and Thailand.
In Europe, only Ukraine and Russia are concerned.
Are there country-specific rules?
This list of countries imposing insurance changes frequently: before any trip, it is therefore recommended to find out about the rules applicable in the country of destination. These can indeed include subtleties: in Costa Rica, for example, only non-vaccinated travelers must have Covid-19 insurance. On the island of Saint-Martin, insurance is compulsory in the Dutch part (Sint Maarten), but not in the French part (Saint-Martin). Another case: in Belize, it is compulsory to subscribe to the insurance offered by the authorities…
Is my bank card’s travel insurance sufficient?
In most cases, no. Indeed, the certificates they issue do not generally mention the management of Covid-19… even when the card allows it. However, it is simply this certificate that is checked when passing through customs. First of all, therefore, claim a travel insurance certificate from the company that issued your bank card (most often Visa, Mastercard or American Express) in order to check whether it mentions Covid-19 or not.
Can I take out any travel insurance?
No. Before subscribing, it is important to check the coverage ceiling requested. Some countries do not indicate this. In others, it varies: it is thus 30,000 dollars (USD) in Singapore, but 50,000 USD at least in Thailand. In Costa Rica, the cap is $50,000 for medical expenses, but the insurance must also include a cap of $2,000 for accommodation expenses in the event of quarantine.
The trick of What to Choose
When taking out travel insurance, do not hesitate to carry out a simulation to check the price of the contract for a period of one year. Depending on the duration of your stay to be insured and the destination, it is possible that an annual contract will only cost you a few euros more. Interesting if you want to make several trips during the year.