< Back to Blog

Countries that require you to have travel insurance

The last two years of ever-evolving travel restrictions due to the pandemic has resulted in a lot of pent-up demand for vacation get-aways now that these restrictions have been mostly lifted.

As a resident of Ontario, your government health insurance doesn’t really like to travel. If you fall ill or be injured while travelling outside of the Canada, your provincial medical plan will likely only cover a small percentage of the costs you incur for emergency medical services.

Insufficient coverage is one of the main reasons the federal government warns travelers the health care benefits enjoyed at home don’t travel well beyond the country’s borders and encourages Canadians to purchase travel insurance.

10 countries that require travel insurance upon entry

In some countries, travel insurance isn’t an option, it’s an entry requirement to the country just like your passport. The Travel Advice and Advisories listing put out by the Government of Canada points out that the following countries expect you to be able to show that you have health insurance coverage for your stay.

  • Aruba
  • Belarus (documents must be translated to Belarussian or Russian)
  • Bonaire
  • Bulgaria
  • Cuba
  • Belgium
  • Falkland Islands
  • Latvia
  • Lithuania
  • Slovakia

This is not necessarily an exhaustive list either. There may be other countries that require you to obtain travel or health insurance before entering. The Travel Advice and Advisories by destination list also notifies you of the risk level your travel destination poses to your health, safety, and security. Paying attention to the risk level assigned to your country of choice may help you decide whether now is a good time to book your trip.

Finding the right travel insurance

Like most insurance policies, travel insurance can offer different levels of coverage, depending on your needs. From travel health insurance, trip cancellation, and trip interruption coverage to flight delay, lost baggage, and snowbird travel insurance, you can ensure you’re prepared for any worst-case scenario and avoid costly medical bills while abroad.

And remember, it’s still possible to contract COVID-19 while travelling. Medical costs incurred from COVID-19 are covered under COVID-19 travel insurance both domestically and internationally. All you need is a valid provincial health card to qualify. So, it may be a good idea to opt for this coverage, too.

Is travel insurance affordable?

Whether it’s required by the country you’re visiting or not, if you’re going on holiday, travel insurance just makes the most sense. Whether it’s a day trip over the border into Michigan to or a longer trip overseas, travelling with emergency medical travel insurance should be considered essential. Short-length policies (around 10 days) for travelers with no pre-existing health conditions can easily fall under $50 for $2 million in coverage with no deductible.

Chances are you may not need to rely on your travel insurance coverage. But for a couple of dollars each day you’re away, why risk travelling without it?


Source: Insurancehotline


Protect yourself, protect your family, protect your devices.

Learn More

DPM Driver’s Ed Scholarship

DPM Driver’s Ed Scholarship. Your security, our responsibility.

Learn More

Blenheim Office

24 Marlborough St. N., Box 479
Blenheim, ON N0P1A0

Phone: 519-676-8159
Fax: 519-676-0020

Chatham Office

250 St. Clair St.
Chatham, ON N7L 3J9

Phone: 519-352-4343
Toll Free: 1-800-561-4949
Fax: 519-352-6484

Essex Office

29 Talbot St. N, Box 69
Essex, ON N8M 2Y1

Phone: 519-776-6457
Fax: 519-776-7400

Harrow Office

65 King St. W., Box 790
Harrow, ON N0R 1G0

Phone: 519-738-2277
Fax: 519-738-2279

Tilbury Office

59 Mill St. E, Box 1239
Tilbury, ON N0P 2L0

Phone: 519-682-0202
Fax: 519-682-2391

Wallaceburg Office

403 Wellington St.
Wallaceburg, ON N8A 2Y2

Phone: 519-627-1777