How Travel Insurance Differs Across Countries

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Ever imagined being an intrepid globe-trotter? Exploring bustling cities, quaint towns, pristine beaches, or snowy peaks, it’s a dream many of us have!

But as you traverse the globe, something that’s not always on the wanderlust-filled mind but incredibly important is travel insurance.

But beware! Not all travel insurance is created equal, and what works in one country might not in another. Let’s embark on a whirlwind journey to uncover how travel insurance differs across the globe!

Travel Insurance in The United States

In the land of dreams and opportunities, medical care is renowned for its quality but also its high costs. Without a good travel insurance policy, a sprained ankle or a bad flu can quickly morph into a financial nightmare.

Most travel insurance policies in the U.S cover trip cancellation, emergency medical expenses, and emergency evacuation. But remember, due to the high healthcare costs, it’s important to ensure your policy has a substantial medical coverage limit.

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Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Travel Insurance in Canada

Heading north, Canadian healthcare is excellent but, much like its southern neighbor, can be costly for travelers. Travel insurance typically covers emergency medical costs and trip interruption.

Interestingly, Canada has a system of provincial health plans, and if you’re traveling from province to province, it’s wise to check what your travel insurance policy covers in this respect.

Travel Insurance in Europe

Bonjour Europe! The situation changes when you step into the old continent. Most countries in the European Union require visitors to have travel insurance covering medical expenses.

The famous Schengen visa even requires specific travel insurance coverage as a prerequisite. Remember, when in Europe, look out for policies with adequate coverage for repatriation, just in case you need to be flown back home.

Travel Insurance in Asia

Welcome to the land of diversity, where the healthcare scenario can vary drastically from one country to another. For instance, in Japan, you’ll find high-quality healthcare but at a high cost, making good travel insurance essential.

In other countries, like India or Thailand, healthcare can be much more affordable, but you might need coverage for emergency evacuation to reach better facilities if required.

Travel Insurance in Australia and New Zealand

Down under in Australia and its kiwi neighbor New Zealand, travel insurance often covers medical emergencies, trip cancellations, and even lost or stolen luggage.

However, Australia’s Reciprocal Health Care Agreements (RHCA) with some countries allow visitors from these countries to access medical care at a subsidized cost – but it’s not a substitute for travel insurance!

Travel Insurance Across the Globe

For instance, when you’re looking at enjoying the historical beauty of Bulgaria, the insurance requirements can be quite different.

The Bulgarian Law on Tourism stipulates specific insurance requirements for travelers. To ensure your trip to the ‘Land of Roses’ is worry-free, check out our comprehensive guide on travel insurance for Bulgaria.

On the other hand, if your journey takes you to the ‘Land of Fire and Ice’, Iceland, the considerations for travel insurance may vastly differ, especially considering the adventurous activities like glacier hiking and volcano tours.

Here’s our detailed breakdown on travel insurance for Iceland.

Next up, let’s fly to the Southern Hemisphere!

In Chile, a country with an incredible range of landscapes, your insurance needs can differ due to diverse activities, from exploring arid deserts to skiing down snowy slopes. For a comprehensive understanding, refer to our travel insurance guide for Chile.

Moving towards Europe, Croatia, a jewel of the Adriatic Sea, has specific requirements for travel insurance to cater to activities such as sailing or visiting national parks.

We’ve detailed everything in our travel insurance for Croatia guide.

Just a little north, the Czech Republic, a country rich in history and beer, has different considerations, especially if you’re planning to attend the famous beer festivals or explore historical sites.

Learn more about it in our travel insurance guide for the Czech Republic.

If your voyage takes you further north to Denmark, a country known for its minimalist design and hygge lifestyle, the insurance requirements can be unique.

You’ll find everything you need to know about insurance requirements in our travel insurance guide for Denmark.

Dreaming of a romantic getaway to Paris, France? From a boat ride in the Seine to a fancy dinner atop the Eiffel Tower, travel insurance requirements can be quite unique.

You’ll find all the details in our travel insurance for Paris, France guide.

Fancy a tropical getaway? Fiji, a paradise in the South Pacific, has its own set of insurance considerations. From water sports to rainforest tours, we’ve got you covered in our travel insurance guide for Fiji.

Finally, if your wanderlust takes you to Germany, known for its castles and Christmas markets, your travel insurance needs can be quite different.

To ensure you’re fully covered, check out our guide on travel insurance for Germany.


Being a globe-trotter can be exciting, but as we’ve seen, travel insurance can vary significantly from one country to another.

From understanding varying healthcare costs to specific insurance prerequisites, it’s an essential part of travel planning. The golden rule?

Read your policy, understand what’s covered, and when in doubt, ask! It can be the difference between a smooth journey and a turbulent travel experience.


Q: Is travel insurance mandatory for all countries?

A: No, travel insurance is not mandatory for all countries, but some, like the countries in the Schengen area, do require it.

Q: Does travel insurance always cover emergency evacuation?

A: Most travel insurance policies do include emergency evacuation, but it’s always wise to check your specific policy.

Q: How do I know how much medical coverage I need in my policy?

A: This can depend on several factors, including the country you’re visiting and your own health. In countries where healthcare is expensive, you’d want to ensure a higher coverage limit.