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9 Best Travel Insurance Companies of April 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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11 Best Travel Insurance Companies in April 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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Best Medical Insurance for Visitors to the U.S. (2024)

U.S. visitors can get travel medical insurance for as low as $89 per trip.

from Seven Corners via Squaremouth.

Alex is a MarketWatch Guides team writer that covers automotive and personal finance topics. She’s worked as a content writer for over a dozen car dealerships across the U.S. and as a contributor to several major auto news websites.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Seven Corners, WorldTrips, IMG and Trawick offer the best health insurance plans for visitors to the U.S.

In this guide, we’ll provide you with details on travel health insurance plans from these providers, including example quotes, information on how to use your visitor health insurance and more.

Do Visitors Need U.S. Health Insurance?

While health insurance is not always mandatory when traveling to the U.S., regulations may vary depending on the circumstances around your visit and your visa needs. In addition, health plans from different countries are generally not accepted in the U.S., which means you could pay thousands of dollars out-of-pocket for treatment in an emergency without a valid plan.

Note that many foreign visitors traveling to the U.S. do not need a visa to enter the country for less than 90 days. However, some visa requirements for long-term visitors require health insurance coverage for the duration of their stay. Regardless of the requirements for your travels, it’s worth considering a travel medical insurance plan based on the high cost of U.S. healthcare. According to GoodRx, an emergency room visit can cost upwards of $2,400 to $2,600 without insurance in the U.S.

Health Insurance Requirements for People Visiting the U.S.

While tourists do not technically need a travel medical insurance plan to obtain a visa, other types of visitors do. For instance, if you’re a student planning to study abroad in a U.S.-based college or university using an F-1 or J-1 visa, you’ll likely need some sort of health insurance or a comparable equivalent. Many universities that accept students on visas require medical coverage that complies with the school’s outlined health insurance requirements.

Note that health insurance requirements for visitors to the U.S. largely depend on the type of visa you need to enter the country. Regardless of whether it’s required, we recommend medical insurance based on the high costs of U.S. healthcare services.

Best Travel Health Insurance for Visitors to the U.S.

Our team has spent extensive time researching the best travel medical insurance plans for visitors to the U.S., considering factors such as availability, coverage, customer support and provider reputation.

• Seven Corners Travel Medical Basic : Our pick for group travelers
• WorldTrips Atlas America : Our pick for high coverage limits
• IMG Patriot Lite : Our pick for budget coverage
• IMG Patriot America Plus : Our pick for continuous coverage
• Trawick Safe Travels USA Comprehensive : Our pick for wellness coverage

Seven Corners

Why We Picked It

Seven Corners’ Travel Medical Basic plan is our pick for group travelers. This plan is specifically designed for groups of up to 10 non-U.S. residents and non-U.S. citizens aged 14 days or older, making it ideal for families traveling together . However, it is also available for solo travelers. You can extend coverage for up to a year, with protection both in the U.S. and worldwide.

Pros and Cons

Medical coverage details.

The Travel Medical Basic plan offers extensive coverage with benefit maximums of up to $1 million and various deductible options, making it easy to customize a plan to suit your needs. Medical coverage offered through this plan includes the following:

• General medical
• Emergency dental
• Emergency services and assistance
• Accidental death and dismemberment (AD&D)
• Optional adventure activity coverage

Learn more :  Seven Corners Travel Insurance Review

WorldTrips’ Atlas America plan is our pick for high coverage limits. This plan is designed for U.S. tourists, temporary workers, business visitors and international students studying abroad , providing accessible health coverage to a variety of travelers. It provides overall coverage maximums of up to $2 million, with up to $1 million for emergency medical evacuation coverage.

The Atlas America plan offers up to $2 million in overall coverage and seven different deductible options, providing sound medical coverage along with supplemental travel benefits. Medical coverages include services that fall under the following categories:

• Emergency dental and vision

Learn more: WorldTrips Travel Insurance Review

We chose IMG’s Patriot Lite plan as our pick for budget coverage — the company quoted us less for this plan than its competitors on our list. You can buy this plan as an individual or group, making it ideal for family members traveling to the U.S. together. Like other insurance companies in this review, IMG is partnered with UnitedHealthcare, meaning policyholders have access to a domestic network of over 1.4 million physicians for medical care.

Policyholders can choose coverage with a maximum of up to $1 million with the Patriot Lite plan, with deductibles ranging from $0 to $2,500. Coverages with the Patriot Lite plan include the following:

Learn more : IMG Travel Insurance Review

IMG’s Patriot America Plus plan also made our list for providing short-term insurance for business and leisurely travelers. We named it our pick for continuous coverage, as it provides up to 24 months of renewable, consecutive coverage. Other benefits include access to multilingual customer service representatives and a maximum limit of up to $1 million. Unlike IMG’s Patriot Lite plan, Patriot America Plus covers COVID-19 treatments.

As with IMG’s Patriot Lite plan, coverage with a maximum of up to $1 million is available, with your choice of deductible from $0 to $2,500. Coverages with the Patriot America Plus plan include the following:

Trawick International

We named Trawick’s Safe Travels USA Comprehensive plan our pick for wellness coverage, as it affords policyholders a general wellness visit with a U.S. doctor during their travels for up to $125. As is standard across most plans in our review, Trawick’s Safe Travels plan offers up to $1 million in medical expense coverage. It also offers up to $2 million in emergency medical evacuation coverage and eight deductible options up to $5,000.</p

The Safe Travels USA Comprehensive plan covers up to $1 million in medical benefits after you pay your deductible. Benefits provided with each plan include:

• Optional sports activity coverage (excludes extreme sports)

Read more : Trawick International Travel Insurance Review

Compare Travel Medical Insurance Plans for U.S. Tourists

See the table below for a direct comparison of costs, deductibles and more between travel medical insurance plans for U.S. visitors.

We based plan costs on quotes we obtained for a 30-year-old Australian citizen traveling to the U.S. for 30 days. Each plan includes a medical maximum of $500,000 with a $250 deductible. Note that your actual cost will depend on factors such as your age, number of travelers, chosen deductible and more.

Types of Health Insurance for U.S. Visitors

Travelers have options when it comes to health insurance for U.S. visitors. For one, you could choose an international travel medical insurance plan, which provides coverage for emergency medical expenses or evacuation abroad. A U.S. short-term health insurance plan is also an option. Some health insurance companies, such as UnitedHealthcare, work with providers to allow policyholders to use the company’s preferred provider organization (PPO) network.

If you’re wondering whether your domestic health insurance policy will cover you in the U.S., we encourage you to contact your insurance provider for more details. You may need to purchase valid coverage specifically for your U.S. trip if you’re concerned about or foresee needing medical care abroad.

Fixed Medical Insurance

Fixed medical insurance or fixed indemnity insurance pays a predetermined amount of money for specific medical procedures and services. This type of medical insurance plan is limited — no matter what your total bill amounts to, it will not cover more than the agreed-upon amount. Fixed medical insurance plans are usually cheaper than comprehensive policies, which we cover in the next section.

Comprehensive Medical Insurance

Comprehensive medical insurance covers doctor’s visits, hospital care, prescription drugs and more without setting limits on certain services. Note that these plans typically have coverage maximums, deductibles and copays, so you will have to pay a certain amount before your policy covers any medical expenses. 

Comprehensive coverage does not have benefit limits based on the type of medical service like fixed medical does, but it will cost you more overall. However, because health care in the U.S. is expensive, you may find comprehensive plans more beneficial in the long run despite being pricier than a fixed plan.

Short-Term vs. Long-Term Health Insurance

Short-term and long-term health insurance plans provide coverage that lasts for a specific period. You can consider travel medical insurance plans short-term policies for U.S. visitors, as they can cover medical expenses incurred during a period lasting less than a year. 

If you plan on staying in the U.S. for longer than a year, you may be eligible to purchase a health insurance plan through a domestic provider, depending on your visa. For example, if you have a J-1 or F-1 visa, you may be eligible for a university-sponsored or private health insurance plan. We encourage you to check with the U.S. Department of State when you receive your visa for more on what long-term health insurance options are available to you.

What Does Travel Insurance in the U.S. Cover?

Travel insurance in the U.S. provides a variety of coverages for unexpected events that can affect your travel plans both before and during your trip. Specifics will vary depending on your choice of policy but will likely include some or all of the following coverages:

airplane Created with Sketch Beta. Trip cancellation: If you must cancel your trip for a covered reason, travel insurance can help you recover non-refundable costs such as hotel reservations, airline tickets and more.

airplane Created with Sketch Beta. Trip interruption: If you need to cut your vacation short for a covered reason, travel insurance plans can compensate you for expenses you didn’t use during your trip.

airplane Created with Sketch Beta. Trip and baggage delays: A travel insurance policy can help cover costs you incur if your trip or baggage gets delayed for a covered reason. Most coverage also includes lost or stolen baggage.

airplane Created with Sketch Beta. Emergency medical: Emergency medical coverage can reimburse the cost of necessary treatments if you experience a medical emergency abroad up to a maximum amount.

airplane Created with Sketch Beta. Emergency evacuation and transport: If you need transportation to a medical facility in the U.S. during a medical emergency, this coverage will provide an expense limit for the services. This benefit can also cover emergency evacuations if a natural disaster or political conflict occurs and affects your travels.

How Much Does Travel Health Insurance for U.S. Visitors Cost?

Our research found that the cost of travel insurance for U.S. visitors can range from $96 to $115 . This range is based on quotes gathered for a 30-year-old Australian citizen traveling to the U.S. for 30 days. Each plan we obtained a quote for included a medical maximum of $500,000 with a $250 deductible.

For cost data specific to your travel needs, we encourage you to gather quotes from the providers in this review. The quotes you receive will depend on factors such as your age, plan limits, chosen deductible, number of travelers and more.

How To Use Visitor Health Insurance

If you’ve purchased a visitor medical insurance plan for your stay in the U.S., it’s important you understand how to use it. Healthcare facilities in the U.S., such as doctor’s offices, urgent care locations and emergency rooms, often require you to bring an insurance card with you. This card includes essential information associated with your policy that helps the facility file a claim with your insurance provider. If you have one through your visitor health insurance plan, it is best to have it on hand when receiving medical treatment.

Your health insurance plan may require pre-approval before you receive treatment in non-emergent cases. Your insurance company may request to verify a procedure or medicine is necessary before agreeing to cover it. Be sure to check your policy to find out what the restrictions are.

Many visitor health insurance plans also cover prescription medications. If you’ve been prescribed medicine through a U.S. doctor during a medical visit, a pharmacy may choose to verify your prescription before filling it. This means the pharmacy will contact your healthcare provider with any questions about the prescription being correct. Verification could delay when you receive your medication, but likely won’t take longer than three to10 business days.

Finding Doctors and Hospitals as a Visitor

Most insurers provide online tools that help you find in-network healthcare providers and facilities covered by your insurance policy. Note that you may pay more if you choose to receive care through a doctor or facility that is not considered in-network. Out-of-network providers do not contract with your health insurance plan to provide agreed-upon rates. Unless you have a plan that lets you pick any provider you’d like, you will need to find a provider or facility working with your insurance.

If you want to verify the benefits offered by your insurance plan, contact your insurance provider directly or consult any documentation provided at the time of purchase. Healthcare providers may also take steps to verify your coverage, as it ensures the facility receives payment and lessens the chance of a denied insurance claim. 

The cost of medical treatment depends entirely on the type of insurance plan you have. If you’ve purchased a travel medical insurance plan, your provider will cover emergency medical expenses up to a maximum amount. Once you’ve hit that limit, you will have to pay the rest of your bill. If you have a plan with a deductible or co-pay, you must pay that amount before your insurer will cover your expenses.

Paying Medical Bills Without Insurance

If you opt out of medical coverage when visiting the U.S. and end up needing medical care, you will have to cover the entire bill out of pocket. However, you have several options regarding payment. You can contact the debt collector in charge of your bill and work to negotiate the cost of your bill down . You can also set up a payment plan that works with your income and what you can afford. 

While these payment options can be helpful, they do not negate the high U.S. healthcare costs, and can still leave you with a substantial bill after a medical crisis.

According to a study by the Peterson-KFF Health System Tracker , health expenditures per person in the U.S. in 2022 were over $4,000 more than any other high-income nation. For this reason, we recommend some form of medical coverage to help cover potential emergency expenses when visiting the U.S.

Filing a Claim with Visitor Health Insurance

Filing a claim through a visitor insurance plan or travel medical insurance policy will vary based on your provider. Note that providing proper documentation will help the claims process go smoothly, so it is important to keep track of hospital invoices and other billing forms.

If you have a domestic health insurance policy, the healthcare facility that provided your treatment will file your claim. You’ll receive a bill once your insurance provider processes the claim. On the other hand, travel medical insurance may require you to submit documents proving your claims for emergency medical treatment. Once your claim has been approved, your travel insurance company will reimburse your medical bills.

Where Can You Buy Visitors Insurance?

You can buy visitors’ insurance directly from travel insurance companies, international health insurance companies, university-approved providers and domestic providers, depending on the type of visa required during your stay. If you’re on a tourist visa, you can purchase travel medical insurance covering emergency medical services and transport, if needed, to a healthcare facility. Most travel insurance providers also offer travel healthcare plans that can last up to a year if you are planning multiple trips.

If you’re on a J-1 or F-1 visa and enrolling in a schooling program, contact your university to see if you’re eligible for a sponsored or private health insurance plan. If you need clarification on the available coverage or plan to stay in the U.S. for longer than a year, contact the U.S. Department of State for more information.

Do U.S. Visitors Need Health Care Coverage?

Healthcare in the U.S. is expensive. While medical insurance isn’t required for some visitors — such as tourists on a B-2 visa — it’s still worth considering if you’re concerned about an unexpected medical emergency abroad. We encourage you to extensively research your visa type and the coverage available to you before settling on a plan. Understanding the benefits and exclusions of a healthcare coverage plan will ensure there are no surprises if you need medical care during your U.S. trip.

Frequently Asked Questions About Visitor Health Insurance

How much is visitor health insurance in the u.s..

Visitor health insurance costs in the U.S. depend on factors unique to your travel needs. After gathering quotes from the providers in our review, we found that visitor health insurance can range from $89 to $115 . This range is based on a 30-year-old Australian citizen traveling to the U.S. for 30 days, opting for a plan with a medical maximum of $500,000 and a $250 deductible. Your actual costs will vary.

How much does travel insurance cost for trips to the U.S

Our research team found the average cost of travel insurance ranges from $35 to $400, with the average being $221 for a standard policy. Your costs will vary depending on your chosen plan, provider, length of travels, number of travelers and more.

Can foreign visitors get insurance while in the U.S.?

Yes, foreigners can get insurance while in the U.S. Various insurance options are available to travelers depending on their length of stay and visa type. It’s best to research what’s available to you based on your visa requirements before purchasing a plan.

Is it hard to get travel insurance for U.S.-based trips?

No, it’s not hard to get travel insurance for travel to the U.S. Providers such as Seven Corners, WorldTrips, IMG, Trawick and more provide plans for non-U.S. citizens seeking trip and medical coverage while abroad.

Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

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International travel medical insurance and travel protection

Travel with less worry with safetrip from unitedhealthcare global.

With SafeTrip travel protection plans from UnitedHealthcare Global, you can set off on your next adventure prepared and ready for what comes your way — whether that’s medical, emergency or trip cancellation surprises. Choose the right SafeTrip travel medical insurance or travel protection plan for you, with plans that include medical coverage, trip cancellation, evacuation and other coverage options.

Find SafeTrip travel medical insurance and travel protection options for you

Get coverage to protect yourself and your trip expenses on all of life’s travels.

What is international travel medical insurance?

International travel medical insurance is secondary emergency coverage for people who are leaving their home country and provides coverage while they are outside of their country, whether that’s for a trip, work outside the country, a volunteer trip or any other travel circumstance.  

What does international travel medical insurance cover?

International travel medical insurance typically offers benefits that cover emergency medical, dental and evacuation services. Some plans, like those with added travel protection benefits, cover specific travel-related circumstances, like trip cancellation, trip interruptions or lost baggage.

Why buy international travel medical insurance and travel protection? 

With travel medical insurance and travel protection, you’ll have coverage to help protect your financial investment — and your health and safety. It’s your ticket to help you travel with less stress. Some advantages of choosing travel medical and trip protection include:

Financial protection

Get reimbursement for missed connections, trip delays, cancellations, baggage loss and eligible covered non-refundable expenses 

Health coverage

Ensure you’re covered for medical emergencies and evacuation coupled with assistance coordinating arrangements and more 

Safety and security

Be sure you’re protected — many domestic health insurance plans may not cover medical emergencies while traveling abroad

Explore our top SafeTrip plans for travelers

Our travel protection plans offer flexible benefits for any voyage — from bucket-list trips to out-of-country work and more. These 3 plan choices include coverage for everything from trip delays and cancellations to unexpected health care needs and helpful details like destination profiles and evacuation coverage.

International Travel Medical Plus

Protect yourself with a combination plan that covers unexpected medical needs and unanticipated trip cancellations.

• No deductibles
• Trip cancellation, interruption, delay and baggage coverage
• Medical and security assistance
• Option to add Extreme Sports and Rental car coverage

International Travel Medical

Choose plan options with emergency medical insurance for travel off the beaten path — and anywhere else your trip may take you.

• Up to $1 million for medical expense limit
• Medical evacuation and medical assistance
• Option to add Extreme Sports coverage

Travel Protection

Be prepared by choosing a plan with backup for domestic U.S. trip cancellations, interruptions and delays.

• Full AD&D coverage
• Option to add Rental car coverage

Why choose SafeTrip Travel Medical Insurance from UnitedHealthcare Global?

24/7 support.

Get support from instant customer service, available in more than 100 languages

Global providers

Get connected to quality physicians, clinics and hospitals worldwide 

Around-the-world coverage

Explore coverage options available in more than 150 countries 

All-in-one service

Count on service all within our one company that brings you 45 years of experience

Frequently asked questions about international travel medical plans

Read on to learn more about why international travel medical plans may be right for you. 

Who should buy travel medical insurance?

If you’re traveling abroad, going on a business trip overseas or planning an expensive trip, travel insurance or travel protection may be a good choice for you. It’s a way to be better prepared for the possibility that your trip may be interrupted or canceled or if you experience a medical emergency while away.  It’s coverage that connects you with medical care, travel protection and more.

Nearly every traveler can benefit from the extra protection of travel medical insurance. Some in particular who may want to consider it include:

• Families with children
• Anyone visiting a country that speaks a different language
• Solo travelers
• Travelers to a remote location

What kind of travel insurance is right for me?

SafeTrip travel protection includes 3 plan options for you to choose from. The right plan for you will depend on your situation and the level of coverage that’s important to you.

International Travel Medical Plus is a combination protection plan including travel medical insurance and travel protection (including trip cancellation).

International Travel Medical Plus plans focus on coverage in the event your trip is cancelled or interrupted, but still includes eligible medical expense limits ranging from $50,000 to $150,000.

International Travel Medical provides emergency travel medical coverage including evacuation.

International Travel Medical plans are geared towards travelers who may want more robust medical coverage for unexpected accidents or sickness. These plans start at a minimum medical expense limit of $100,000 and allow for a maximum of $1,000,000.

• Travel Protection plans give you coverage if your trip is interrupted, delayed or cancelled in the U.S. — domestic travel only.

Does my health insurance work internationally?

Many health insurance plans do not cover you when you are out of the country. For those that do, the coverage is often limited and requires you to pay at the time of service, save receipts and file for reimbursement once you get home. 

In case of a medical or dental emergency while in another country, this could require you to spend a large amount of your own personal funds or charge significant amounts on credit cards while you are still traveling.

Travel medical insurance plans typically cover emergency medical and dental costs. Emergency transportation costs, such as ambulance or air lift, also are often covered, as are emergency evacuations that would get you from a remote location to appropriate medical care.

How much is travel insurance? ​

While travel insurance, or travel protection, is often more expensive than travel medical insurance, these plans give you the additional assurance that you are covered against the financial loss due to covered reasons under the policy. Travel protection costs are based on the total trip cost and can therefore vary by trip.  

Travel medical insurance, on the other hand, only covers you for any medical emergencies or medical evacuations and is often cheaper than the combined plans offering travel medical insurance and trip protection in one. 

How long before traveling should you get travel insurance?​

It is generally recommended to purchase travel insurance as soon as you have made any non-refundable payments towards your trip. This helps to ensure that you are covered for any unforeseen circumstances that may arise before your departure. A SafeTrip policy can be purchased as little as 24-hours or one full day prior to travel departure.

Are non-medical benefits available with travel medical insurance?

Even if you’re facing a non-medical challenge, UnitedHealthcare Global SafeTrip plans are here for you with support and assistance. You can call our 24/7 Emergency Response Center to assist with lost or stolen passports, legal referrals, translation services, emergency transfer of funds and a host of other non-medical problems. Please refer to your policy for details.

How do I make a claim if I have a travel medical plan?

If you currently have a SafeTrip plan and you need to make a claim, follow these simple steps:

• Visit CBP Connect
• Follow the instructions on screen

For additional questions:

Call:  1-877-693-8530

Email:  [email protected]

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What type of coverage do you need?

Vacation / holiday, visitor / immigrant, student / scholar, employer / business traveler, expat / global citizen, mission / social good, marine captain / crew.

• Flights / Airfare
• Cruises / Excursions

Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

Popular Plans

International health insurance.

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Enterprise Services

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

What type of organization do you represent?

• Corporations
• Insurance Companies
• Educational Institutions
• Mission Organizations
• Maritime Industries
• Government Agencies
• Non-Profit Organizations

Medical & Travel Assistance

Your travelers can access 24/7 global support should they need medical attention, travel assistance, or medical transport services.

Global Workers' Compensation Case Management

Rest assured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.

Security Assistance Services

Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.

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You’ll have experts to guide you through all things related to your health care plan needs, from enrollment to claim reimbursement.

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International Health and Travel Insurance Offerings from IMG

IMG is an award-winning global benefits and assistance services company and one of the only companies in the market to offer travel medical, international health, and travel insurance plans. Get a quote now and choose the right plan for your next trip:

Travel Medical Insurance protects you in the event of an illness or injury while traveling outside of your home country.

Travel Insurance protects you from financial losses should your trip be delayed, interrupted, or cancelled. It also includes coverage for medical expenses while abroad.

International Health Insurance provides medical coverage for individuals and families living abroad (or away from their home country) and includes benefits such as preventive care, routine check-ups, and treatment for illnesses and injuries.

Travel Insurance Questions Answered

How to choose the best travel protection plan for you, the cost of increased flight delays & cancellations: how travel insurance can help, is travel insurance worth it, select why you are away from home., get plan recommendations and helpful resources., government services, give us a call, have any questions we’re here to help you, 866-263-0669.

You can find more information on health, travel, tourism, and insurance on our blog, Global Connect.

• "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance." Joan D. United States

" I took comfort in the fact that IMG had my back. "

While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.

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June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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Entry Requirements & COVID-19 Travel Resources 

Confused about entry requirements for your destination? Our  interactive map shows current travel rules and restrictions for each destination, including info on COVID-19 testing, necessary travel documents and quarantine periods.

Find out how our  Epidemic Coverage Endorsement can protect your next trip from certain losses related to COVID-19.

Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

We're Built For You

From our Allyz ® TravelSmart app to proactive SmartBenefits, we innovate for the way you travel today - and tomorrow.

TRAVEL RESOURCES

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What Does Rental Car Insurance Cover?

Is It Too Late to Buy Travel Insurance?

The Comprehensive Guide to Annual Travel Insurance

5 Ways the Allyz ®  TravelSmart App Can Help During Winter Travels

Travel Insurance with Emergency Medical Benefits

Destination Guide: Croatia

Travel Insurance & COVID-19: The Epidemic Coverage Endorsement Explained

More Travel Resources »

LATEST COVERAGE ALERTS

The events listed below are considered "known and foreseeable" for travel insurance purposes on the date listed next to the event. Please consult your policy for more information.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Best International Travel Insurance for April 2024

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If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Our top picks for the best international travel insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured
• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Best overall: Allianz

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TraveSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz travel insurance review here.

Best for exotic trips: World Nomads

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads travel insurance review here.

Best for trip interruption: C&F Travel Insured

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our Travel Insured review here.

Best for family coverage: Travelex

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex insurance review here.

Best for long trips: Seven Corners

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners travel insurance review here.

How to find the right international travel insurance company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding international travel insurance coverage options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

How we reviewed international travel insurance companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

Which company has the best international travel insurance?

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

Is international health insurance the same as travel insurance?

International health insurance and travel insurance serve different purposes. While both may cover medical expenses, international health insurance provides long-term health insurance for working abroad. Meanwhile, travel insurance offers short-term coverage for the duration of your trip. 

What insurance do you need for international travel?

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Should you get travel insurance for international travel?

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

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Hospitals in Russia for Foreigners and Visitors

Hospitals in Russia for Visitors and Expats

Considering making a move to Russia? Whether you’re interested in a long stay or one of short duration, it’s important to consider access to healthcare. Most often that means being able to access the  hospitals in Russia . Here’s a guide for what you need to know as an expat to navigate Russia’s hospital system.

Read:  Health Insurance in Russia for Expats

List of Hospitals in Russia for Expatriates and Travelers

Best hospitals in moscow.

• Adventist Health Center (Adventistsky Tsentr Zdorov’ya) Prospect 60 Letiya Oktyabrya 21-A Moscow 117036 Russia Tel : + 7 95 126 7906 Fax: + 7 95 126 8767
• American Hospital of Moscow 26/6 pr. Mira (1, Grokholsky Pereulok) Moscow 129090 Russia Tel: + 7 95 933 7700 Fax: + 7 95 933 7701
• European Dental Center Moscow, Bolshaya Ochakovskaya street, 5 Tel: +7 (499) 283-99-60
• European Medical Center Spiridonevsky Per. 5 Moscow 103104 Russia Tel: + 7 95 933 6655 Fax: + 7 95 933 6650
• Medincentre 4-th Dobrininsky Lane House 4 Moscow 117049 Russia Tel: + 7 95 236 3116/237 3964 Fax: + 7 95 237 8475
• ZAO International Medical Clinic Polyclinic No. 1 10th Floor 31 Grokholsky Pereulok Moscow 129010 Russia Tel: + 7 95 937 5760 Fax: + 7 95 280 8677

Hospitals in St. Petersburg

• American Medical Clinic 78 Moika Embankment St. Petersburg 190000 Russia Tel: + 7 812 140 2090 Fax: + 7 812 310 4664
• Andros Clinic 36A Lenin Street, 1st floor St. Petersburg 197136 Russia Tel: + 7 812 235 1487 Fax: + 7 812 235 6988
• Euromed Clinic Suvorovskiy prospekt 60 St. Petersburg 193124 Russia Tel: + 7 812 327 0301 Fax: + 7 812 274 9320
• Hospital #122 4 Prospekt Kultury St. Petersburg 194291 Russia Tel: + 7 812 558 0508 Fax: + 7 812 559 8993
• Nevamed 14 Ismailovsky Prospekt St. Petersburg 198058 Russia Tel: + 7 812 110 1882 Fax: + 7 812 110 1092
• The International Clinic Griffin House 19/21 Dostoevskogo Street St. Petersburg 121014 Russia Tel: + 7 812 320 3870 Fax: + 7 812 320 3871

Hospitals in Other Parts of Russia

• Canadian Medical Centre Suite 402 Venetzia Hotel Nizhnevartovsk 626440 Tyumen Region Russia Tel: + 7 3466 65 39 86
• International SOS Clinic Yuuzhno Militseyskaya Ulitsa, 7/1 Yuzhno-Sakhalinsk, Sakhalin Oblast 693001Sakhalin Russia Tel: + 7 8 4242 727 550 Fax: + 7 8 4242 473 650

The Russian Healthcare System: A Quick Overview

Russia offers treatment options at different levels of government and region. Here’s a breakdown of how you can access medical treatment in Russia:

• At the municipal level are Health Posts that offer basic out-patient care for non-emergency situations, for example, vaccinations and routine check-ups.
• Also generally at the municipal level are Health Centers that are specialized for maternity care and also offer routine surgery.
• At the regional level are Urban Polyclinics which offer a wider array of services including follow-up care for complex conditions. Some of the larger polyclinics will have in-house specialists, for example, oncologists and cardiologists.
• Almost exclusively in large cities are Specialized Medical Hospitals which offer the full range of medical services and are also open 24 hours.

This last point about the 24-hour opening is quite important, as many healthcare facilities in Russia operate during normal business hours or are closed at night. Needing immediate medical care ‘off-hours’ can prove challenging or expensive. Many private facilities also observe closing hours or charge high premiums for after-hour care.

Read:  Understanding Russia’s Healthcare System

Is Healthcare in Russia Free?

Like so many countries, Russia’s healthcare system is based around insurance. And like many European countries, Russia offers its citizens what is meant to be universal healthcare. But in order to gain access to free public healthcare, Russian residents are required to pay in through their employment. The Russian Federation has guaranteed all of its citizens’ free healthcare since ratifying its Constitution in 1996. But in actuality, many people in the population are not covered. In some rural areas, the majority of people have no coverage or access to quality healthcare.

Russia’s Hospital System

How is russia’s public hospital and healthcare system.

Just as there are areas of the country where the population does not have access to quality healthcare, so is it within the public sector. And overall Western visitors are likely to find the Russian healthcare system, especially the public one, not up to standards. Challenges faced within the public hospital system, particularly for foreigners, include food shortages, a lack of English speakers, extremely long wait times, underfunding, basic equipment and facilities, or even a lack of equipment altogether. So if the question is, ‘Are hospitals in Russia good?’ for the average Western expat, if they are discussing the public hospital system, the answer is most likely going to be no.

Russia’s Private Hospitals

The popular choice for expats and visitors to Russia are private hospitals. These often offer English-speaking doctors and staff. The medical treatment available at some of Russia’s private hospitals is very much up to international standards. These hospitals can often be quite expensive. Treatment in Russia’s private hospitals can be costly by the standards of Western medicine. That is why it is so important to have the right insurance that will offer you coverage. Another important point about the private hospital system is that clinics and hospitals are the only options within the private system. There are not private surgeries or practices that offer complex procedures. Rather, doctors, even though is a private system, must operate within an accredited hospital or clinic.

Before traveling to Russia, it is vital to have quality health insurance.

Best Health Insurance Plan for Expats in Russia

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Best Health Insurance Plan for US Citizens Living in Russia

Xplorer Worldwide Medical Plan

• Premium Benefits, Coverage and Service
• Define your deductible and prescription benefits
• For Foreigners in the US or US citizens abroad

Read:  Expat Health Insurance

What You Need to Know About Accessing Russia’s Hospital System as an Expat

Once again, access is based on whether this is the public or private system. Those using the public hospital system will either have to show proof of coverage through employment or pay upfront. For those with state-sponsored insurance, there will be no costs. However, it is necessary to show proof of insurance from the start to avoid admitting fees. Public hospitals will treat emergency situations but then bill afterward, as well as for any follow-up treatment, both in-patient or outpatient. For this and all non-emergency services, payment is always expected upfront.

Those accessing the private hospital system should expect to pay upfront. Even with private insurance, many private facilities expect to be paid upfront. In order to avoid this, it is vital to choose both private insurance as well as a hospital that already has an arrangement with the insurance company to bill directly.

How Many Hospitals Are in Russia?

Russia is a country with many hospitals. In just Moscow, there are well over 100 hundred hospitals. As of 2018, there were 5.3 thousand hospitals in Russia. The numbers from 2010 until 2018 show a marked decrease during that timeframe. There was a total net loss of 1,000 hospitals in less than a decade.

Find more International Hospitals and healthcare options in popular Expat countries:  Hospitals in Portugal ,  Hospitals in Malaysia ,  Hospitals in Turkey ,  Hospitals in Germany ,  Hospitals in Brazil ,  Hospitals in Kenya ,  Hospitals in Cuba ,  Hospitals in China ,  Hospitals in Italy ,  Hospitals in Spain ,  Hospitals in New Zealand .

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Is Travel Insurance Mandatory For a US Visa? Know its Benefits and More

Preparing to visit the US? Great! Well, we hope you know that the US is a vast place that receives millions of tourists annually. The place offers some of the most stunning sights to witness, which makes it a dream destination for many out there.

However, you must ensure you are financially covered when going for an international gateway. It will not only help you get a shield to protect yourself against any prospective interruption but also let you enjoy your trip thoroughly.

If you are wondering how to do that, this blog is for you. From the benefits of USA travel insurance to its application process, we have got you covered. Read further to learn more in detail.

Is Travel Insurance Mandatory for a US Visa?

To answer it in brief, no. Purchasing travel insurance is not a mandatory requirement in order to enter the jurisdiction of the United States. However, having travel insurance can always positively impact your visa approval process.

Since the United States healthcare system is quite expensive, it is highly recommended to have a travel insurance plan with health and medical coverage.

Apart from this, such financial protections are helpful during the visa interview rounds in convincing the interviewers about your ability to afford expenses in the United States.

Why Do You Need Travel Insurance When Travelling to the US?

Go through the following points to know some of the essential benefits that can stand for you on your trip to the US:

Protects Against Losses

Travel insurance can provide you with financial coverage for any loss you may come across during your trip. These include loss of baggage at the airport or in the cities you are travelling to. Also, if you lose your passport, cash, or other valuable belongings, you can always consider relying on travel insurance.

Covers Personal Liabilities

Travel insurance also allows you to claim your sum insured if you come across any damages to your car or property during the trip. The same also applies to specific circumstances where you might have accidentally harmed or damaged someone else's property in the US.

Compensates Medical Emergencies

Travel insurance plays a crucial role in case of medical emergencies that call for immediate hospitalisation. It allows you to handle such circumstances wisely and on time when you are covered with travel insurance.

Coverage Against Trip Cancellations

Travel insurance also comes into play in cases that lead to the cancellation or rescheduling of your flight. Hence, you can get a refund for all the non-refundable portions of your pre-booked activities and accommodation in case of any delays or cancellations.

How to Choose Travel Insurance for the USA from India?

As mentioned above, travel insurance helps you stay covered during emergencies, whether it is trip-related or medical. If you have already made up your mind to buy one, you need to be aware of a few factors. Below we have curated a list of factors to consider to buy the best travel insurance plan for your USA vacation.

Determine Your Travel Requirements

Start by determining your specific travel needs. Consider your travel companions and spending limit when determining if solo, family, or group coverage is the best option for you. When choosing a travel insurance plan that fits your budget,  do not forget to take that into account as well. To make sure your US travel schedule is properly complemented by each insurance plan, carefully review the features, exclusions, advantages, and terms and conditions of each one.

Seek Professional Advice

Make use of the knowledge of those who have already purchased travel insurance for the United States. As an alternative, speak with experts in travel insurance to obtain insightful advice. Their knowledge can help you sort through the complexities of travel insurance plans and choose the best choice for your particular set of travel needs.

Examine Various Providers

Do a comprehensive investigation to evaluate and contrast different insurance companies. To determine their dependability, consider their track record, reputation in the industry, and client testimonials. To make an informed choice, go to the official websites of the insurance companies you have shortlisted and carefully review their claim settlement ratios. Providers with low costs and broad coverage should be given priority.

Claim Process

Make sure the travel insurance you are choosing has a seamless and easy claiming process. If this is filled with hassles or the waiting period to claim is high, such insurance will be invaluable for a trip. Go for insurance providers giving immediate claims of your insurance coverage and get the returns you need.

How to Make the Most of your USA Trip from India?

If you are travelling to the US for the first time, you can help yourself by following some of the basic tips that we are highlighting below.

Plan Your Travel Itinerary

The USA is a vast country, with a lot of destinations and places to cover, and almost impossible to cover all in one visit. In such cases, you need to plan your trip efficiently so that you do not miss out on the best. Make sure to write down the places you want to visit and research how the locations are connected to prepare a hassle-free travel route and make the most of your trip.

Allocation of a Feasible Budget

Planning your USA trip as per your feasible budget will help you turn your international vacation into a memorable one. Jot down the transportation, accommodation and food costs of the places you plan to visit and allocate your total budget trip accordingly to find out the budget-friendly places to visit and not empty your bank account.

Purchase Travel Insurance

USA travel insurance is a must-recommend for your vacation. This country is a very costly place, with medical costs making sure to make a hole in your pockets. Having your travel insurance will not only help you get coverage for medical expenses but also any other emergencies while travelling, as already discussed in the above sections.

Do Not Forget to Tip

A big cultural difference you will notice in the USA while travelling from India is their tipping culture. A basic or minimum tip of 20% on your bill is expected whenever you are getting any service. Make sure to include tipping costs while forming your budget for the vacation.

Try to See the National Parks

For first-time travellers to the USA, including national parks to the places to visit is always recommended. The national parks of America offer you the experience of a lifetime and are a heaven for individuals who love to indulge in wildlife photography. If you talk about spoils of choice in the USA, the country has 84 million acres of national park, making it a must-visit.

Final Words

The United States is nothing but a mesmerising concoction of renowned landmarks and serene landscapes, attracting a wide array of travellers globally. Nevertheless, once you purchase the right international travel insurance , you can have a stress-free and convenient trip to the United States.

So why wait anymore? Check out the travel insurance price today and get ready to have a memorable vacation to one of the best scenic places in the world.

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Healthcare in Moscow

This guide was written prior to Russia's 2022 invasion of Ukraine and is therefore not reflective of the current situation. Travel to Russia is currently not advisable due to the area's volatile political situation.

Healthcare in Moscow is organised by the Moscow Health Department. While public healthcare facilities are available, most expats seek out private healthcare at international medical centres. Expats are advised to take out private medical insurance if it is not provided to them by their company.

Subsidised healthcare is provided to everyone living in the country, paid for by the state and the mandatory health insurance system. That said, professionals in the state system are likely to speak little to no English. 

There are several private medical centres in Moscow where English is spoken and where the healthcare is on par with expat standards. These clinics are generally very expensive, so it is highly recommended that expats take out private medical insurance to cover medical costs in Moscow. Most insurance coverage plans will also include evacuation cover for emergencies or life-threatening situations. 

Recommended hospitals in Moscow

Alliance medicale.

www.alliancemedicale.ru Address: Kutuzovsky Ave, 1/7

Intermed Center American Clinic

www.en.intac.ru Address:  4 Monetchikovsky Lane, 1/6, Building 3

International Clinic MEDSI

www.medsi.ru Address:  26 Prospekt Mira, Building 6

European Medical Center

www.emcmos.ru Address:   5 Spiridon'yevskiy Pereulok, Building 1

Further reading

►For more on the Russian healthcare system see our Healthcare in Russia page.

Expat Interviews " The standard is high, but health insurance is essential − both international and local cover tend to be adequate and similar for routine things." Read more about Stephen, a British expat, and his  experience living in Moscow . 

Are you an expat living in Moscow?

Expat Arrivals is looking for locals to contribute to this guide, and answer forum questions from others planning their move to Moscow. Please contact us if you'd like to contribute.

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Healthcare in Moscow – Personal and Family Medicine

Emergency : 112 or 103

Obstetric & gynecologic : +7 495 620-41-70

About medical services in Moscow

Moscow polyclinic

Emergency medical care is provided free to all foreign nationals in case of life-threatening conditions that require immediate medical treatment. You will be given first aid and emergency surgery when necessary in all public health care facilities. Any further treatment will be free only to people with a Compulsory Medical Insurance, or you will need to pay for medical services. Public health care is provided in federal and local care facilities. These include 1. Urban polyclinics with specialists in different areas that offer general medical care. 2. Ambulatory and hospitals that provide a full range of services, including emergency care. 3. Emergency stations opened 24 hours a day, can be visited in a case of a non-life-threatening injury. It is often hard to find English-speaking staff in state facilities, except the largest city hospitals, so you will need a Russian-speaking interpreter to accompany your visit to a free doctor or hospital. If medical assistance is required, the insurance company should be contacted before visiting a medical facility for treatment, except emergency cases. Make sure that you have enough money to pay any necessary fees that may be charged.

Insurance in Russia

Travelers need to arrange private travel insurance before the journey. You would need the insurance when applying for the Russian visa. If you arrange the insurance outside Russia, it is important to make sure the insurer is licensed in Russia. Only licensed companies may be accepted under Russian law. Holders of a temporary residence permit or permanent residence permit (valid for three and five years respectively) should apply for «Compulsory Medical Policy». It covers state healthcare only. An employer usually deals with this. The issued health card is shown whenever medical attention is required. Compulsory Medical Policyholders can get basic health care, such as emergencies, consultations with doctors, necessary scans and tests free. For more complex healthcare every person (both Russian and foreign nationals) must pay extra, or take out additional medical insurance. Clearly, you will have to be prepared to wait in a queue to see a specialist in a public health care facility (Compulsory Medical Policyholders can set an appointment using EMIAS site or ATM). In case you are a UK citizen, free, limited medical treatment in state hospitals will be provided as a part of a reciprocal agreement between Russia and UK.

Some of the major Russian insurance companies are:

Ingosstrakh , Allianz , Reso , Sogaz , AlfaStrakhovanie . We recommend to avoid  Rosgosstrakh company due to high volume of denials.

Moscow pharmacies

A.v.e pharmacy in Moscow

Pharmacies can be found in many places around the city, many of them work 24 hours a day. Pharmaceutical kiosks operate in almost every big supermarket. However, only few have English-speaking staff, so it is advised that you know the generic (chemical) name of the medicines you think you are going to need. Many medications can be purchased here over the counter that would only be available by prescription in your home country.

Dental care in Moscow

Dentamix clinic in Moscow

Dental care is usually paid separately by both Russian and expatriate patients, and fees are often quite high. Dentists are well trained and educated. In most places, dental care is available 24 hours a day.

Moscow clinics

«OAO Medicina» clinic

It is standard practice for expats to visit private clinics and hospitals for check-ups, routine health care, and dental care, and only use public services in case of an emergency. Insurance companies can usually provide details of clinics and hospitals in the area speak English (or the language required) and would be the best to use. Investigate whether there are any emergency services or numbers, or any requirements to register with them. Providing copies of medical records is also advised.

Moscow hosts some Western medical clinics that can look after all of your family’s health needs. While most Russian state hospitals are not up to Western standards, Russian doctors are very good.

Some of the main Moscow private medical clinics are:

American Medical Center, European Medical Center , Intermed Center American Clinic ,  Medsi , Atlas Medical Center , OAO Medicina .

Several Russian hospitals in Moscow have special arrangements with GlavUPDK (foreign diplomatic corps administration in Moscow) and accept foreigners for checkups and treatments at more moderate prices that the Western medical clinics.

Medical emergency in Moscow

Moscow ambulance vehicle

In a case of a medical emergency, dial 112 and ask for the ambulance service (skoraya pomoshch). Staff on these lines most certainly will speak English, still it is always better to ask a Russian speaker to explain the problem and the exact location.

Ambulances come with a doctor and, depending on the case, immediate first aid treatment may be provided. If necessary, the patient is taken to the nearest emergency room or hospital, or to a private hospital if the holder’s insurance policy requires it.

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Contact Info

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Latest update

We continue to advise:

Do not travel to Russia due to the security situation and the impacts of the military conflict with Ukraine.

Russia (PDF 2.04 MB)

Europe (PDF 2.62 MB)

Local emergency contacts

All emergency services, fire and rescue services, medical emergencies, advice levels.

Do not travel to Russia. 

Do not travel to Russia due to the dangerous security situation and the impacts of the military conflict with Ukraine. 

Do not travel to North Caucasus.

Do not travel to North Caucasus due to the high threat of terrorism and political unrest.

See Safety .

• There's an ongoing threat of terrorism. Terrorist groups, including al-Qaeda and Daesh-aligned groups, continue to call for attacks in Russia. Attacks can be indiscriminate and may occur on or around seasonal, festive, or religious events in public places and could include popular tourist sites. Attacks may occur with little or no warning. Always be alert to possible threats and have a clear exit plan. On 23 March, there was a terrorist attack at Crocus City Hall in Moscow, resulting in significant loss of life.
• Security incidents, such as drone attacks and explosions, often occur in southern and western areas of Russia, including regions bordering Ukraine, Moscow, and St Petersburg. This can cause significant flight delays and travel disruption. You shouldn't attempt to travel to the Russia-Ukraine border or cross into Ukraine from Russia.
• The security situation could deteriorate further with little warning. If you're in Russia, leave immediately using the limited commercial options available or private means if it's safe to do so. Departure routes from Russia may become disrupted at short notice, so have an alternate exit plan. 
• If you decide to stay in Russia, review your personal security plans. You're responsible for your own safety and that of your family. Our ability to provide consular assistance in Russia is limited. The Australian Government will not be able to evacuate you from Russia.
• There are limited transportation options, restrictions on financial transactions and possible shortages of essential products and services. 
• The Russian Government has introduced a 'medium response level' in several regions of Russia, including Krasnodar, Belgorod, Bryansk, Voronezh, Kursk, and Rostov and a 'heightened preparedness level' in the remainder of the Central and Southern Federal districts. A basic readiness level covers the rest of Russia. There may be an increase in security personnel and installations. Security measures or restrictions may be introduced with little to no notice. Monitor the media for developments. 
• Russian authorities have made strong, negative comments in relation to Western countries. Local authorities may adopt a more negative attitude towards foreigners in Russia in reaction to perceived support for Ukraine and sanctions on Russia. Non-participating bystanders can draw scrutiny from security forces and have been detained. Remain vigilant, avoid protests or demonstrations and avoid commenting publicly on political developments.
• Continue to follow the advice on Smartraveller. If you have significant concerns for your welfare or that of another Australian, contact the Consular Emergency Centre on 1300 555 135 in Australia or +61 2 6261 3305 outside Australia.

Full travel advice:  Safety

• Laws about the import and use of medicines are strict. You need a doctor's letter and a notarised translation confirming your need for each medication that contains restricted substances. Contact the  Embassy of Russia  for details.
• Rabies and tick-borne encephalitis are on the rise. Ticks are common from April to October. Take care when travelling through forests.
• Infectious diseases such as typhoid, hepatitis, diphtheria, measles and tuberculosis are a risk. Boil drinking water or drink bottled water.
• Public medical facilities in Russian cities are below Australian standards and basic in rural areas.

Full travel advice:  Health

• Russia may subject males it regards as Russian to mobilisation, regardless of any other citizenship held. Laws introducing heavy penalties for 'crimes against military service' have been passed. The Australian Government won't be able to intervene if you're subjected to mobilisation.
• Conscription occurs regularly in Russia. The Government may subject males it regards as Russian to mandatory conscription, regardless of any other citizenship held. From 1 January 2024, the maximum age of conscription will change from 27 to 30 years old. Russian authorities have also passed laws allowing for the draft notice to be serviced to the conscripts online, preventing conscripts from leaving the country once the notice is registered and sent.
• Russia has passed laws that severely inhibit free speech related to the current situation, imposing severe restrictions on the publishing and distribution of information related to the Russian armed forces and any military operations. Foreign journalists and other media workers in Russia may face considerable risks, including arrest and imprisonment. Don't share or publish information related to the current events in Ukraine and Russia.
• Russian authorities may enforce local laws in an arbitrary manner. You may be interrogated without cause by Russian officials and may become a victim of harassment, mistreatment, and extortion.
• Don't use or carry any illegal drugs. Penalties are severe. Carry your passport, visa and migration card at all times. Authorities won't accept copies.
• Don't take photos of military places or sensitive areas, such as passport control. It's also illegal to use commercial film, television, camera equipment or drones in public without permission. Hand-held video cameras are legal.
• Russia doesn't recognise dual nationals. We can only provide limited consular assistance to dual nationals who are arrested or detained. You'll need a valid Russian passport to leave.
• Same-sex relationships are technically legal but are not widely accepted. Violence against members of the LGBTI community occurs. Russia's parliament passed a law banning "LGBT propaganda", criminalising any act regarded as an attempt to promote what Russia calls "non-traditional sexual relations". The promotion of LGBTI issues may be considered illegal by local authorities, and activists may face consequences under Russian law. In July 2023, the Russian President signed a decree banning gender changes without medical requirements. The law also annuls marriages in which one person "changed gender" and prevents transgender couples from adopting children.
• Law enforcement agencies in Russia cooperate closely with agencies in the Commonwealth of Independent States (CIS) countries. If you commit an offence in one of these countries, you may be detained in another (including at the border) and extradited for prosecution.

Full travel advice:  Local laws

• If you're in Russia, leave immediately using the limited commercial options available or private means if it's safe to do so. The security situation could deteriorate further with little warning. If you decide to stay in Russia, review your personal security plans. You're responsible for your own safety and that of your family. Have an alternate exit plan.
• Confirm with your transport operator that services are still operating if you plan to depart Russia. Commercial travel routes between Russia and Europe are often disrupted due to measures taken in response to military action in Ukraine. Several Russian airports are now closed to the public, disrupting internal flights to and from Moscow and other cities. The train and bus service between St Petersburg and Helsinki is suspended. 
• If you're travelling through an overland border crossing into  Estonia  or  Latvia , confirm the entry requirements for your destination before arrival. Finland has closed border crossings with Russia indefinitely and maritime borders will close on 15 April. Latvia introduced an entry ban on vehicles registered in Russia in September 2023. There's a ban on vehicles crossing into/from Estonia at the Ivangorod- Narva crossing. Train service is also suspended. Entry and exit on foot will still be allowed. Additional restrictions or entry requirements could be imposed or changed suddenly. Be aware that some borders may close without notice. Australia and other countries have placed sanctions on Russia. Russia's response to these sanctions may disrupt travel and affect travellers.
• Russian airlines and railways may be affected by shortages of parts and essential technical components for their fleets, affecting maintenance and safety standards. Research your railway and aviation provider before choosing their services. The International Civil Aviation Organisation has issued a Significant Safety Concern (or 'red flag') notice regarding the capacity of Russian airlines to oversee safety. 
• If, despite our advice, you decide to enter Russia, expect thorough security checks at the border, including questioning and inspections of electronic devices. Entry requirements can change at short notice. Contact your airline or the nearest embassy or consulate of Russia to confirm entry requirements.
• Bank cards issued outside of Russia don't work in Russia. You won't be able to access funds from these cards once you enter Russia. You may not be able to exchange Australian dollars as well as old, worn, or damaged US dollar and euro banknotes into Russian rubles in Russia. Ensure you have enough money to cover your stay.
• Dual nationals can't leave Russia without a valid Russian passport. If your Russian passport expires while you're in Russia or if you enter Russia using a repatriation certificate, you'll need to get a new Russian passport before you leave. This can take up to 3 months. The Australian Government won't be able to intervene or fast-track this process.  

Full travel advice:  Travel

Local contacts

• The  Consular Services Charter  details what we can and can't do to help you overseas.
• For consular help, contact the  Australian Embassy  in Moscow. Our ability to provide consular assistance in Russia is limited due to the evolving security situation. The Australian Government will not be able to evacuate you from Russia.
• The Australian Consulate in St Petersburg can provide limited help.
• If you have significant concerns for your welfare or that of another Australian, contact the Consular Emergency Centre on 1300 555 135 in Australia or +61 2 6261 3305 outside Australia.

Full travel advice:  Local contacts

Full advice

Terrorists are very likely to try to carry out attacks in Russia. Terrorist groups, including al-Qaeda and Daesh-aligned groups, continue to call for attacks in Russia. Attacks can be indiscriminate and may occur on or around seasonal, festive, or religious events in public places and could include popular tourist sites. Attacks may occur with little or no warning. Always be alert to possible threats and have a clear exit plan. Russia has seen a number of terrorist attacks which have caused large casualty numbers. On 23 March, there was a terrorist attack at Crocus City Hall in Moscow, resulting in significant loss of life. Russia's aviation has also been targeted. 

Russian authorities continue to announce arrests and the disruption of planned attacks.

Terrorists have attacked other European cities. Targets have included:

• places of worship
• government buildings
• shopping areas
• tourist sites
• restaurants
• entertainment venues
• transportation hubs
• major events which attract large crowds

To protect yourself from terrorism:

• be alert to possible threats, especially in public places
• be extra cautious around possible terrorist targets
• always have a clear exit plan
• report anything suspicious to the police
• monitor the media for any new threats
• take official warnings seriously and follow the instructions of local authorities

If there's an attack, leave the area as soon as it's safe. Avoid the affected area in case of secondary attacks.

Terrorism is a threat worldwide.

More information:

North Caucasus

There's a high threat of terrorism in parts of the North Caucasus, including:

• North Ossetia
• the south-eastern part of Stavropol bordering Chechnya
• Karbardino-Balkaria
• Karachay-Cherkessia

Terrorist attacks continue to occur in Chechnya. Several people have been killed and injured.

Our ability to provide consular assistance to Australians  in those parts of the North Caucasus  is limited.

If, despite our advice, you travel to these parts of the North Caucasus:

• monitor local conditions via media and travel operators
• arrange personal security measures

Georgia-Russia border

The Georgia-Russia border area is volatile because of tensions in Georgia.

If, despite our advice, you travel in the border region, read our  Georgia travel advice .

Security situation

Security incidents, such as drone attacks and explosions, often occur in southern and western areas of Russia, including regions bordering Ukraine, Moscow, and St Petersburg. This can cause significant flight delays and flight cancellations. You shouldn't attempt to travel to the Russia-Ukraine border or cross into Ukraine from Russia.

The security situation could deteriorate further with little warning. If you're in Russia, leave immediately using the limited commercial options available or private means if it's safe to do so. Departure routes from Russia may become disrupted at short notice. If you decide to stay in Russia, review your personal security plans. You're responsible for your own safety and that of your family.

The Russian Government has introduced a 'medium response level' in several regions of Russia, including Krasnodar, Belgorod, Bryansk, Voronezh, Kursk, and Rostov and a 'heightened preparedness level' in the remainder of the Central and Southern Federal districts. A basic readiness level has been introduced in the rest of Russia. There may be an increase in security personnel and installations. Security measures or restrictions may be introduced with little to no notice. Monitor the media for developments.

Ukraine border areas and Crimea

The Russia-Ukraine border is volatile due to the Russian invasion of Ukraine.

Security incidents regularly occur in Belgorod, Bryansk, Kursk and other regions of Russia bordering Ukraine, including explosions and large fires. The security situation in the region could deteriorate at short notice. You shouldn't travel to the Russia-Ukraine border or cross into Ukraine from Russia.

We currently advise you do not travel to Ukraine due to the volatile security environment and military conflict. Read the  Ukraine travel advice   for more information.

The Australian Government doesn't recognise Russia's claimed annexation of the Ukrainian region of Crimea or its other territorial claims in occupied Ukraine.

Leaving Russia

Where it's safe to do so, you should leave Russia immediately. Use your judgment to decide the best time and safest means of exit. 

Transport routes may be disrupted. Plan for delays at land border crossings. Expect disruption to travel and changes at short notice. Make sure you have an adequate supply of food, water, medication and fuel. Make sure you have payment options that will work during your journey and at your destination. 

Read your destination's travel advice to ensure you meet the entry requirements. These may differ when entering by road, rail or air. Be aware that some borders may close without notice. Commercial travel routes between Russia and Europe have been impacted by measures taken in response to the Russian invasion of Ukraine. Check with your airline or travel agent for current flight availability. Any travel options you pursue are at your own risk. See ' Travel '

For more information on entry requirements for countries bordering Russia, read the travel advice:

The European Union also has a website with  information on travel restrictions for people seeking to enter member states .

If you decide to stay in Russia:

• follow the instructions of authorities
• ensure your travel documents are up-to-date, and keep your passport and other travel documentation safe
• contact your family and friends in Australia so they're aware of your location and situation
• keep up to date with developments on the security situation, monitor reputable media, and regularly check our travel advice and  social media
• review your personal security plans and make contingency plans to leave as soon as you judge it safe to do so
• always be alert and aware of your surroundings
• avoid large gatherings and areas with groups of fighters and military equipment.

Civil unrest and political tension

Russia's parliament has passed laws that severely restrict free speech related to the current situation. Foreign journalists and other media workers in Russia may face considerable risks, including arrest and imprisonment.

While the effects of this law are still unclear, you may be detained or fined for:

• sharing or publishing information that local authorities deem false
• sharing or publishing information that may be detrimental to the armed forces
• calling for, sharing or publishing speech in support of sanctions against Russia

You should not:

• share or publish information related to the current events in Ukraine and Russia
• participate in demonstrations and large gatherings

Russian authorities may adopt a more negative attitude towards foreigners in Russia due to perceived support for Ukraine and sanctions on Russia. Russian authorities may enforce local laws in an arbitrary manner. You may be interrogated without cause by Russian officials and may become a victim of harassment, mistreatment, and extortion.

Avoid commenting publicly on political developments.

Anti-war and anti-mobilisation protests have taken place in cities across Russia over the invasion of Ukraine. Many protesters have been arrested.

Unsanctioned protests are illegal, and you can be arrested if you participate. Remain vigilant and avoid rallies, protests, demonstrations and other large public gatherings, as they can turn violent, and you may be arrested.

• Demonstrations and civil unrest

Theft and assault

Petty crime, pickpocketing and mugging is common. Groups of children sometimes commit crimes, too.

Hot spots for crime include:

• the Izmailovsky Market
• other tourist attractions
• the Moscow and St Petersburg metros

Thieves often steal passports. They target travellers in  robberies  and  assaults , particularly in large cities.

To protect yourself from theft and assault:

• keep your personal belongings close, particularly in tourist areas
• be aware of your security in public places, particularly at night
• monitor local media on crime
• racially or religiously motivated assaults may occur throughout Russia.

Drink spiking

Criminals may drug and rob travellers at nightclubs and bars. Sometimes this happens after people accept offers of food, drink or transportation from strangers.

To protect yourself from spiking-related crime:

• never accept food or drinks from strangers
• don't leave drinks unattended
• leave your drink if you're not sure it's safe
• stick with people you trust in bars, nightclubs and taxis
• don't accept offers of transport from strangers
• Partying safely

Using taxis

People have reported extortion and robbery while taking unauthorised taxis.

To protect yourself from robbery while travelling in taxis:

• only use official taxi companies
• always book your taxi in advance
• don't flag down taxis on the street
• don't share taxis with strangers
• always negotiate and confirm the fare before you get in a taxi

Credit card and ATM fraud

Credit card and ATM fraud is common.

To protect yourself from fraud:

• only exchange currency at banks
• keep your credit card in sight during transactions
• only use ATMs inside banks and during business hours
• always hide your PIN

Other scams

Criminals may try to cheat you by changing money in the street or a bank queue.

Some Australians have been victims of fraud by bogus internet friendship, dating and marriage schemes operating from Russia.

These are large-scale, well-organised  scams .

Criminals arrange to meet people through internet dating schemes or chat rooms. After getting to know each other, the criminal asks the Australian to send money so they can travel to Australia. However, the relationship ends after the money has been received, and the funds can't be recovered.

Be wary of people you meet through internet dating schemes or chat rooms.

People have also reported harassment, mistreatment and extortion by police and other local officials.

If you suspect you're being extorted by a police officer or other local official, offer to walk with them to the nearest police station. Once there, you can check their identity and their demands.

Cyber security 

You may be at risk of cyber-based threats during overseas travel to any country. Digital identity theft is a growing concern. Your devices and personal data can be compromised, especially if you're connecting to Wi-Fi, using or connecting to shared or public computers, or to Bluetooth. 

Social media can also be risky in destinations where there are social or political tensions or laws that may seem unreasonable by Australian standards. Travellers have been arrested for things they have said on social media. Don't comment on local or political events on your social media. 

More information:   

• Cyber security when travelling overseas  

Kidnapping  is common in parts of the Northern Caucasus.

It can be for:

• political purposes
• retribution

Foreigners have been targeted in the past.

If, despite the risks, you travel to an area where there is a particular threat of kidnapping:

• get professional security advice

The Australian Government's longstanding policy is that it doesn't make payments or concessions to kidnappers.

Climate and natural disasters

Severe weather  during winter can disrupt travel in Russia.

To protect yourself from accidents caused by severe weather:

• take care when walking in snowy, icy or windy conditions
• take care when driving
• use appropriate driving equipment, such as winter tyres or chains
• monitor the media and other sources for updates

If you're delayed, contact local authorities about a visa extension if required.

In April, severe flooding affected multiple settlements across Russia in the South Urals region east of Moscow, in Western Siberia and near the Volga River. 

Snow and ice

People are injured or killed yearly in wind, snow and ice-related accidents. These include:

• traffic accidents
• collapsed roofs and snow falling from roofs 
• falling debris 
• prolonged exposure to extreme cold

Slipping on ice can result in serious injuries, such as broken bones, back injuries or paralysis.

During summer, forest and peat  fires  can occur in Russia, including in the Moscow region.

Earthquakes and tsunamis

The North Caucasus and the far eastern region of Russia can experience  earthquakes .

Tsunamis  are common in all oceanic regions of the world.

To protect yourself from natural disasters, take official warnings seriously.

If a  natural disaster  occurs, follow the advice of local authorities.

Get updates on major disasters from the  Global Disaster Alert and Coordination System .

Travel insurance

Most Australian travel insurance policies won't cover you for travel to Russia. Do not travel to Russia. See ' Safety '

If you're not insured, you may have to pay thousands of dollars up-front for medical care.

Physical and mental health

Do not travel to Russia. If, despite our advice, you travel to Russia, consider your physical and mental health before you travel, especially if you have an existing medical condition. 

See your doctor or travel clinic to:

• have a basic health check-up
• ask if your travel plans may affect your health
• plan any vaccinations you need

Do this at least eight weeks before you leave.

If you have immediate concerns for your welfare or the welfare of another Australian, call the 24-hour Consular Emergency Centre on +61 2 6261 3305 or contact your  nearest Australian Embassy, High Commission or Consulate  to discuss counselling hotlines and services available in your location.

• General health advice  (World Health Organization)
• Healthy holiday tips  (Healthdirect Australia)

Medications

Not all medication available over the counter or by prescription in Australia is available in other countries. Some may even be considered illegal or a controlled substance, even if prescribed by an Australian doctor. 

Russia has imposed temporary restrictions on exporting certain categories of goods, including foreign-made medical products. 

If you plan to bring medication, check if it's legal in Russia. Take enough legal medication for your trip.

Russia has strict laws about the import and use of medications. This includes medications that are available over the counter in Australia, such as cold and flu tablets.

When you arrive in Russia, you must present a doctor's letter to authorities confirming your need for each medication. This is the case if your medications contain the following:

• barbiturate
• sibutramine
• anabolic steroids
• androgens and other sex hormones
• analgesic, such as tramadol
• psychostimulants
• other restricted substances

The letter must:

• contain a description of the medication, including the chemical composition
• describe the required dosage
• explain the underlying medical condition
• confirm the medicine is for personal use only
• be signed by your treating doctor

You must also have a notarised translation of the letter into Russian.

Before you leave Australia, contact the Embassy of Russia for the latest rules for bringing medicines into Russia.

• Russian Government website

Health risks

Tick-borne diseases.

Tick-borne encephalitis  (World Health Organization) and other tick-borne diseases are a risk, especially if you travel through forested areas.

Ticks are common in rural areas from spring to autumn: April to October.

People have reported increased incidents of tick-borne encephalitis.

Measles cases can routinely occur in Russia, with the country currently experiencing increased measles activity. Make sure your vaccinations are up-to-date before you travel.

• Measles immunisation service  (Department of Health and Aged Care)

Bird flu (avian influenza)

Avian influenza  is a risk in Russia.

HIV/AIDS  is a risk.

Take steps to reduce your risk of exposure to the virus.

There has been a reported increase in  rabies  across Russia.

Rabies is deadly. Humans can get rabies from mammals, such as:

• other animals

If you're bitten or scratched by a dog, monkey or other animal, get treatment as soon as possible.

Other health risks

Waterborne, foodborne, parasitic and other  infectious diseases  are common, including these listed by the World Health Organization:

• tuberculosis

Serious outbreaks sometimes occur.

To protect yourself from illness:

• drink boiled water or bottled water with sealed lids
• avoid ice cubes
• avoid uncooked and undercooked food, such as salads
• avoid unpasteurised dairy products

Get urgent medical attention if you have a fever or diarrhoea or suspect food poisoning.

Medical facilities

Public medical facilities in Russian cities are below Australian standards.

Standards are extremely basic in rural areas.

There are a few international-standard private facilities in major cities – these clinics can be very expensive to access.

Before you're treated, private facilities need either:

• up-front payment
• evidence of adequate insurance
• a written guarantee of payment

If you become seriously ill or injured, you'll need to be evacuated to get proper care. Medical evacuation can be very expensive.

You're subject to all local laws and penalties, including those that may appear harsh by Australian standards. Research local laws before travelling.

In July, the Russian President signed a decree banning gender changes, including gender transition surgery, hormone therapy and changing gender on official documents without medical requirements. The law also annuls marriages in which one person "changed gender" and prevents transgender couples from adopting children.

In November 2022, Russia's parliament passed a law banning "LGBT propaganda", criminalising any act regarded as an attempt to promote what Russia calls "non-traditional sexual relations". Sharing information or public display of any material promoting "non-traditional relationships" is now a serious criminal offence.

In November 2022, Russia announced that the partial mobilisation of military reservists for the conflict in Ukraine was complete. However, a decree formalising the completion has not been issued. The Russian Government may subject males it regards as Russian to mobilisation, regardless of any other citizenship held. Laws introducing heavy penalties for 'crimes against military service' have been passed. The Australian Government will not be able to intervene if you are subjected to mobilisation.

The US Government issued travel advice in March 2022 advising that Russian security services have arrested US citizens on spurious charges, singled out US citizens in Russia for detention and/or harassment, denied them fair and transparent treatment, and have convicted them in secret trials and/or without presenting credible evidence. The US Government warns that Russian officials may unreasonably delay consular assistance to detained US citizens.

Russian authorities have introduced criminal liability for publishing and distributing 'deliberately misleading' information about the Russian armed forces and any military operations. These laws have been interpreted and applied very broadly to many forms of dissent.

Law enforcement agencies in Russia cooperate closely with agencies in the Commonwealth of Independent States (CIS) countries. If you commit an offence in one of these countries, you may be detained in another (including at the border) and extradited for prosecution. 

If you're arrested or jailed, the Australian Government will do what it can to help you under our  Consular Services Charter . But we can't get you out of trouble or out of jail.

Russian authorities imposed restrictions on real estate and foreign currency transactions for foreign residents. These restrictions can be revised at short notice. Seek advice from local authorities.

Possessing, selling, consuming, or carrying any illegal drugs is illegal.

Penalties are severe and include long prison terms.

Russia has strict rules around medication carried into the country for personal use, including some medications that you can get over the counter in Australia.

If you don't declare restricted medications, authorities could detain you. See  Health .

• Carrying or using drugs

Routine police checks are common in public places.

Carry your passport, visa and migration card with you at all times. Authorities won't accept copies.

If you can't provide travel documentation on request, authorities can detain and fine you.

In Russia, it's illegal to:

• take photos of military places, strategic sites and other sensitive areas, such as passport control and guarded railway sites
• use commercial film, television or camera equipment in public areas without permission, but hand-held home video cameras are allowed
• use drones without permission from the Russian aviation authority.

Penalties for breaching the law include fines, jail and deportation.

Russia regulates religious activity. Authorities restrict activities such as preaching and distributing religious materials.

If you plan to engage in religious activity, ensure you're not breaking local laws.

Contact the Embassy or Consulate of Russia for more information.

Cybersecurity laws

Russia has blocked or restricted some social media platforms and websites, including Facebook, Instagram, LinkedIn and Twitter.

Russia has banned certain Virtual Private Networks (VPN) and has indicated it will implement a nationwide ban on VPNs in March 2025.

• Cyber security when travelling overseas
• Federal Service for Supervision of Communications, Information Technology and Mass Media (Roskomnadzor)

Official documents

Some Australian documents, such as birth or marriage certificates, need to be  legalised  before Russian authorities will accept them.

If you have an Australian document that you need to use while in Russia, contact the Embassy or Consulate of Russia for information.

Apostilles  and some legal certificates can be issued by:

• DFAT  in Australia
• Australian embassies and high commissions  overseas

Surrogacy laws

Russia has laws governing child surrogacy and has passed legislation banning surrogacy for all foreigners except those married to Russian citizens. Recent court cases have resulted in long custodial sentences for some providers of surrogacy services. All children born through surrogacy in Russia are granted Russian citizenship, regardless of their parent's citizenship.

Get independent legal advice before making surrogacy arrangements in Russia or with residents of Russia.

• Going overseas for international surrogacy
• Going overseas to adopt a child

Australian laws

Some Australian criminal laws still apply when you're overseas. If you break these laws, you may face prosecution in Australia.

• Staying within the law and respecting customs

Dual nationality

Russia doesn't recognise dual nationality.

In November 2022, Russia announced that the partial mobilisation of military reservists for the conflict in Ukraine was complete. However, a decree formalising the completion hasn't been issued. Russia may subject males it regards as Russian to mobilisation, regardless of any other citizenship held. Laws introducing heavy penalties for 'crimes against military service' have been passed. The Australian Government won't be able to intervene if you are subjected to mobilisation.

Conscription occurs regularly, and Russia may subject males it regards as Russian to mandatory conscription, regardless of any other citizenship held. Conscription in Russia occurs semi-annually, and conscripts typically serve one year. From 1 January 2024, the maximum conscription age will change from 27 to 30 years old. Russian authorities have also passed laws allowing for the draft notice to be serviced to the conscripts online and preventing conscripts from leaving the country once the notice is registered and sent.

Russian authorities won't recognise your Australian nationality if you're a dual national. They will treat you like any other national of Russia.

If you're a dual national:

• you must enter and leave Russia on a Russian passport
• you can enter Russia using a repatriation certificate (svidetelstvo na vozvrashcheniye) if you don't have a Russian passport, but you must still leave Russia on a Russian passport
• you must declare any other nationalities or foreign residency permits to the Russian Ministry of Internal Affairs
• you could be conscripted into the Russian military if you're a male between the ages of 18 and 30 

If you're a dual national, this limits the  consular services  we can give if you're arrested or detained.

Contact the  Embassy or Consulate of Russia  well before any planned travel to Russia.

Dual nationals can't leave Russia without a valid Russian passport.

You'll need to get a new Russian passport before you leave if:

• your Russian passport expires while you're in Russia
• you enter Russia using a repatriation certificate

Getting a new Russian passport for non-residents is complex and can take up to 3 months. The Australian Government is unable to intervene or fast-track this process.

Children born outside Russia and added to their parents' Russian passports need their own passport to leave Russia.

If you're travelling alone with a child, Russian border authorities may require the following:

• documentary evidence of your relationship to the child
• written permission for the child to travel from the non-travelling parent
• Dual nationals

Local customs

Same-sex relationships are legal in Russia but not widely accepted.

Intolerance towards the LGBTI community is common, particularly outside Moscow and St Petersburg.

People have reported violence against members of the LGBTI community, including by local security forces.

In April 2017, there were reports of arrests and violence against LGBTI people in Chechnya.

In November 2022, Russia passed a law banning "LGBT propaganda", criminalising any act regarded as an attempt to promote what Russia calls "non-traditional sexual relations". Sharing or displaying material promoting "non-traditional relationships" is now a serious criminal offence. The bill broadens the existing law banning the promotion of 'non-traditional sexual relationships' to minors.

• Advice for LGBTI travellers

Visas and border measures

Every country or territory decides who can enter or leave through its borders. For specific information about the evidence you'll need to enter a foreign destination, check with the nearest embassy, consulate or immigration department of the destination you're entering. 

Australia and other countries have placed sanctions on Russia. Russia's response to these sanctions may disrupt travel and affect travellers.

You need a visa to enter Russia unless you're travelling on certain commercial cruise ships.

You can't get a visa on arrival.

If you arrive in Russia without a valid visa, authorities will fine, detain and deport you at your own expense. They may bar you from re-entering.

Make sure you apply for the correct visa type, such as 'tourist' and 'visitor' visas.

If your visa type doesn't match the purpose of your visit, authorities may:

• not let you enter 

You may need to provide biometric fingerprints for the visa application process.

After you get your Russian visa, check your passport details are correct, including the following:

• passport number
• date of birth
• intention of stay
• validity dates

If there are errors, return your passport to the  Russian Embassy or Consulate  for correction.

It's impossible to amend visa details once you're in Russia.

Discuss your travel plans with your cruise operator before you travel to check if you need a visa.

Check transit visa requirements if you transit through Russia to a third country.

• Russian Embassy
• Going on a cruise

Border measures

If, despite our advice, you decide to enter Russia, expect thorough security checks at the border, including questioning and inspections of electronic devices.

Entry and exit conditions can change at short notice. Contact the nearest  embassy or consulate  for details about visas, currency, customs and quarantine rules.

Australians sanctioned by Russia

The Russian Foreign Ministry issued statements on its website advising that, in response to Australian sanctions, the Russian Government had added several Australians to a 'stop list', denying them entry into Russia on an indefinite basis.  

These statements can be viewed here (copy and paste the URL into a new browser if you can't open the link):

• 17 April 2024 statement – https://www.mid.ru/ru/foreign_policy/news/1944697/ (in Russian)
• 21 June 2023 statement -   https://mid.ru/en/foreign_policy/news/1890258/
• 16 September 2022 statement  -  https://mid.ru/ru/foreign_policy/news/1830085/  (in Russian)
• 21 July 2022 statement  -  https://www.mid.ru/en/foreign_policy/news/1823204/
• 16 June 2022 statement  -  https://www.mid.ru/en/foreign_policy/news/1818118/
• 7 April 2022 statement  -  https://www.mid.ru/en/foreign_policy/news/1808465/

DFAT can't provide advice on the implications of another country's sanctions. If you're listed, you should obtain legal advice if you have concerns about the potential impacts of the Russian sanctions. Do not travel to Russia if you're on Russia's 'stop list'. 

Other formalities

Migration card.

All foreign visitors receive a migration card on arrival in Russia.

If you receive a paper migration card, keep the stamped exit portion of the card with your passport.

The migration card covers both Russia and Belarus. You must show the stamped card to passport control when leaving either country.

If you lose your migration card:

• your departure could be delayed
• you could be stopped from staying at a hotel in Russia

You can get a replacement from the Russian Ministry of Internal Affairs, which is complex and could delay your departure.

Biometric fingerprinting

Foreign citizens entering Russia for work or intending to stay over 90 calendar days may be subject to biometric fingerprinting and regular medical check-ups. The procedure of biometric fingerprinting will need to be done only once. Medical check-ups will need to be re-taken upon the certificate's expiry (valid for 1 year).

Travel with children

If you're  travelling with a child , you may need to show evidence of parental, custodial or permission rights. This is particularly the case for dual nationals. See  Local laws

• Advice for people travelling with children

Electronics

The government strictly controls the import of electrical and some high-technology equipment.

The rules are complex.

You may import terminal global positioning systems (GPS) devices if you declare them on arrival. However, you'll need a special permit to import a GPS device connected to a computer or an antenna.

Authorities can detain you if you don't have a permit.

You must show proof of advanced approval to import a satellite phone. Request approval from the  Federal Service for the Supervision of Communications .

Russian border officials can demand to inspect any electronic device, including installed software when you leave.

Travel between Russia and Belarus

Do not travel to Russia and Belarus due to the security environment and impacts of the Russian invasion of Ukraine. If you’re in Russia or Belarus, leave immediately using the limited commercial options available or private means if it's safe to do so.

If, despite our advice, you decide to enter Belarus from Russia, note that the government doesn't allow foreigners to cross the land border between Russia and Belarus.

If you travel between Russia and Belarus, it must be by air.

If you're travelling between Russia and Belarus, you must have visas for both countries.

Visa-free entry into Belarus doesn't apply to travellers arriving from or travelling to Russia.

Contact the  Embassy of Russia  and the  Ministry of Foreign Affairs of Belarus  for details.

Registering your stay in Russia

If you stay more than 7 working days, including your arrival and departure day, you must register with the Russian Ministry of Internal Affairs.

You have to pay a registration fee.

Most hotels do this for their guests, but you're legally responsible. Confirm with check-in staff on arrival that they've registered you.

The registration process can be complex if you're not staying at a hotel.

Register at the nearest post office if you're travelling on a visitor visa.

Register through your employer if you're travelling on a visa that lets you work. Confirm with your employer that they've registered you.

If you don't register, authorities can fine you or delay your departure.

• The Russian Embassy

Visa overstays

Make sure you leave Russia before your visa expires. Some visas, including tourist visas, can't be extended.

If you overstay your visa, you won't be allowed to leave Russia until the Russian Ministry of Internal Affairs determines your legal status or deports you.

Authorities can detain you until they've processed your case.

Penalties for overstaying include fines and deportation.

You may be banned from re-entering.

Exporting goods

Russia has imposed temporary restrictions on exporting certain categories of goods, including foreign-made medical products. Seek advice from local authorities.

Russia has strict regulations on the export of antiques, artworks and items of historical significance. This is for items purchased in Russia or imported to Russia from overseas. It includes modern art and posters if they are particularly rare or valuable.

Authorities may not allow the export of items more than 100 years old.

If you want to export any antiques, artworks or items of historical significance:

• keep receipts of your purchases
• obtain an export permit from the Ministry of Culture in advance of travel — export permits aren't issued at the airport
• declare each item to border authorities when you leave Russia
• be ready to show each item to border authorities
• be ready to show receipts for each item to border authorities

Don't try to export items requiring permits without the relevant paperwork. This is a serious offence.

Legislation about the export of artwork and antiques from Russia may change without warning.

Some countries won't let you enter unless your passport is valid for six months after you plan to leave that country. This can apply even if you're just transiting or stopping over.

Some foreign governments and airlines apply the rule inconsistently. Travellers can receive conflicting advice from different sources.

You can end up stranded if your passport is not valid for more than six months.

The Australian Government does not set these rules. Check your passport's expiry date before you travel. If you're not sure it'll be valid for long enough, consider getting  a new passport .

Lost or stolen passport

Your passport is a valuable document. It's attractive to people who may try to use your identity to commit crimes.

Some people may try to trick you into giving them your passport. Always keep it in a safe place.

If your passport is lost or stolen, tell the Australian Government as soon as possible:

• In Australia, contact the  Australian Passport Information Service .
• If you're overseas, contact the nearest  Australian embassy or consulate .

If your passport is lost or stolen while ashore, you will need to obtain an emergency passport and an exit visa to leave Russia within the 72-hour visa-free period. If it’s not done within 72 hours, you will face a court hearing and possible fine, deportation and entry ban.

To arrange a new visa:

• obtain an official police report
• apply for a replacement passport through the  Australian Embassy in Moscow
• apply to Russian authorities for an exit visa
• include the police report with your application

If you replace your passport while in Russia, make sure authorities transfer your visa to the new passport.

Passport with 'X' gender identifier

Although Australian passports comply with international standards for sex and gender, we can't guarantee that a passport showing 'X' in the sex field will be accepted for entry or transit by another country. Contact the nearest  embassy, high commission or consulate of your destination  before you arrive at the border to confirm if authorities will accept passports with 'X' gender markers. 

More information:  

•       LGBTI travellers  

The currency of Russia is the Rouble (RUB).

Russian authorities have imposed temporary restrictions on the export of foreign currency in cash out of Russia. Travellers exiting Russia can't take more than the equivalent of $US10,000 in cash.

Make sure a customs official stamps your declaration. Only stamped declarations are valid.

You must carry proof that your funds were imported and declared or legally obtained in Russia.

Due to the Russian invasion of Ukraine, Mastercard, Visa, and American Express have suspended operations in Russia. Cards issued outside of Russia will not work at Russian merchants or ATMs. Cards issued inside Russia may continue to work, but they won't work outside Russia. It may not be possible for you to access your funds through Russian banks or to make payments to Russian businesses with non-Russian credit/debit cards. Be prepared with alternate means of payment should your cards be declined.

You may not be able to exchange Australian dollars as well as old, worn or damaged US dollar and euro banknotes into Russian rubles in Russia. Ensure you have enough money to cover your stay in Russia. 

Traveller's cheques aren't widely accepted, even in Moscow and St Petersburg.

Local travel

Postal services between Russia and Australia are temporarily suspended. 

More information 

• Australia Post website

Confirm with your transport operator that services are still operating if you plan to depart Russia. Commercial travel routes between Russia and Europe are disrupted. Expect thorough security checks at the border, including questioning and inspections of electronic devices.

Flights between Russia and Europe have been affected by measures taken in response to the Russian invasion of Ukraine. Several Russian airports are now closed to the public, disrupting internal flights to and from Moscow and other cities. The train and bus service between St Petersburg and Helsinki is suspended.

Finland  has closed border crossings with Russia indefinitely and maritime borders will close on 15 April. 

Latvia introduced an entry ban on vehicles registered in Russia in September 2023. More information can be found on the  State Revenue Service website . There's a ban on vehicles crossing into/from Estonia at the Ivangorod-Narva crossing. Train service is also suspended. Entry and exit on foot will still be allowed. Additional restrictions or entry requirements could be imposed or changed suddenly. Be aware that some borders may close without notice. 

If you're travelling through an overland border crossing into  Estonia  or  Latvia , confirm the entry requirements for your destination before arrival.

Australia and other countries have placed sanctions on Russia. Russia's response to these sanctions may disrupt travel and affect travellers. Confirm entry requirements for your  destination  before arrival, as additional restrictions or entry requirements could be imposed or changed suddenly.

If, despite our advice, you decide to go to Chechnya or the North Caucasus, you must first get permission from the Russian Ministry of Internal Affairs.

Several other areas of Russia, especially in Siberia and the Russian Far East, are also 'closed' areas.

Foreigners need government permission to enter 'closed' areas.

If you need government permission or are unsure if you need it, contact the Russian Ministry of Internal Affairs.

Driving permit

You should carry an International Driving Permit (IDP).

You may drive with an Australian driver's license if you carry it with a notarised Russian translation.

Road travel

Driving in Russia can be hazardous due to:

• poor driving standards
• ice and snow in winter
• poor road conditions in rural areas

The blood alcohol limit for drivers is 0%.

• Driving or riding
• the Russian Embassy

Some taxis appear official but aren't licensed by local authorities.

People have reported extortion and  robbery  while taking unauthorised taxis. See  Safety

Book an official taxi by phone, at major hotels and from inside airports.

Flights from Russia to other countries are limited. These may change or be suspended at short notice. You should contact airlines or travel agents directly for the most current information.

The  EU announced  that 21 Russian-owned airlines were banned from flying in EU airspace due to safety concerns.

Russian airlines and railways may be affected by shortages of parts and essential technical components for their fleets, affecting maintenance and safety standards. If you're flying domestically or internationally, research your aviation provider before choosing their services.

DFAT doesn't provide information on the safety of individual commercial airlines or flight paths.

Check Russia's air safety profile with the  Aviation Safety Network

Emergencies

Depending on what you need, contact your:

• family and friends
• travel agent
• insurance provider

Always get a police report when you report a crime.

Your insurer should have a 24-hour emergency number.

Consular contacts

Read the  Consular Services Charter  for what the Australian Government can and can't do to help you overseas.

For consular help, contact the Australian Embassy in Moscow.  Our ability to provide consular assistance in Russia is limited. The Australian Government will not be able to evacuate you from Russia.

Australian Embassy, Moscow

13 Kropotkinsky Pereulok Moscow 119034 Russia Phone: (+7 495) 956-6070  Fax: (+7 495) 956-6170  Website:  russia.embassy.gov.au Twitter:  @PosolAustralia

If you're in St Petersburg, you can also contact the Australian Consulate for limited consular help.

Australian Consulate, St Petersburg

Moika 11 St Petersburg 191186 Russia Tel: (+7 964) 333 7572 (NOT for visas) Email:  [email protected]  (NOT for visas)

Check the Embassy website for details about opening hours and any temporary closures.

24-hour Consular Emergency Centre

Australians in need of consular assistance should contact the Australian Government 24-hour Consular Emergency Centre:

• +61 2 6261 3305 from overseas
• 1300 555 135 in Australia

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Globe Life Insurance Review 2024

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Planning for the future is the foundation that continues to draw customers to life insurance companies like Globe Life. Since 1900, Globe Life has helped individuals to face the unexpected and ensure a secure financial future for loved ones.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable pricing on whole and term life insurance products
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Life insurance is more diverse than ever before. Its foundation remains supporting families after the passing of a loved one. Globe Life issues 16.8 million policies, more than any of the nation's leading life insurance companies. But volume is only part of the picture.

Globe Life's zero-risk, money-back guarantee makes its policies an excellent fit for middle-income individuals looking to purchase directly from the company with no medical exam and short wait times. In addition, with benefits topping out at just $100,000, life insurance coverage from Globe Life is a good choice for individuals looking to supplement existing or employer-provided life insurance and those seeking coverage for additional family members.

However, even the best no medical exam life insurance doesn't always mean guaranteed acceptance. Buyers should expect medical questions, and the company may request medical records. Its underwriting decisions, especially for more comprehensive policies, will factor in this medical data.

Globe Life's forte is low-cost funeral plans, and customer reviews indicate it delivers on its promises. Kathy of Londonderry, OH, left a review on ConsumerAffairs after losing her 19-year-old grandson, saying, "I am so thankful to Globe Life. We could not have taken care of him without the policy. The funeral cost were paid very quickly with no stress of me handling anything and I could stay focused on what needed done."

Globe Life has been under pressure due to a series of investigations and lawsuits alleging a toxic work environment, deceptive consumer practices, and fraud. Its stock plunged about 50% in mid-April 2024 after a short-seller issued a scathing report describing, among other things, a work culture, "permissive of sexual assault, rape, racism, and widespread illicit drug activity" within American Income Life, a subsidiary of Globe Life. Globe Life denied the allegations, saying in a statement  that the short-seller "mischaracterizes facts and uses unsubstantiated claims and conjecture to present an overall picture of Globe Life that is deliberately false, misleading, and defamatory."

In March 2024, the Department of Justice subpoenaed AIL and Globe Life for documents related to Arias Organization, an affiliate insurance agency. The DOJ investigation, as well as two open investigations conducted by the Equal Employment Opportunity Commission, appear to be ongoing. 

Globe Term Life Insurance

Globe Life offers term life insurance coverage ranging from $5,000 to $100,000. Policies are purchased directly from the company with no medical exam and quick underwriting. Once your application is approved, Globe Life benefits and monthly premiums remain fixed when policyholders make payments on time.

Like any other term policy, Globe Life's policies expire after the set term. Globe Life mentions converting term policies to whole life insurance policies to make coverage permanent. But the website is light on details, focusing on extremely low premiums for specific customers. Globe Life's term life policies are available for adults and children. All applications are subject to underwriting approval. So the pricing listed online (and your acceptance) may vary when you secure the policy.

Globe Whole Life Insurance

Globe Life offers whole life policies with benefits from $5,000 to $50,000. You can purchase policies directly from the company with no medical exam and no long wait times. Rates remain constant for life, as does coverage (when premiums are paid on time), which means you can rest assured in your chosen coverage.

Remember, Globe Life's underwriting will not approve every application, especially with higher limits. No medical exam does not translate into no medical information required. Buyers will need to answer some medical questions, and the company can pull electronic medical records to make its decision. No medical policies are typically sold to select groups like seniors looking for funeral policies or young, healthy buyers willing to pay higher premiums for lower coverage to avoid a medical exam.

Globe Children's Life Insurance

Whole life insurance for kids (or grandkids) is available from Globe Life in numbers ranging from $5,000-$30,000. Full coverage and benefits begin on day one. Available with no medical exam and zero waiting, a hassle-free policy from Globe Life might be the easiest part of welcoming a new member to your family. Benefits remain constant for life, despite age, health status, or occupation when premiums are paid on time.

As with its adult policies, Globe Life offers children whole and term life insurance options. Applicants who get approval for children's policies can also buy more comprehensive policies as adults. However, these smaller policies offer a gateway into life insurance and its financial benefits early in life. Children's life insurance can be a wealth-building tool, particularly with its whole life policies. It's never too early for financial planning.

It's easy to find comparable adult policies through other companies. However, Globe Life's life insurance for children faces less competition overall.

Globe Final Expense Life Insurance

Many of Globe Life's policies could be considered "final expense" policies. By this, we mean the limits are low and only meant to cover funeral costs and a small amount of debt. However, it provides a specific product for seniors comfortable with lower coverage amounts. As a result, approval is often more straightforward.

This policy type comes with obvious limits (the death benefit). However, buyers should also be aware of other limitations, like the inability to build cash value over time. So no matter how long you live, the value will remain the same.

Additional Coverage Options Offered by Globe Life

Accidental Benefits Insurance

You can prepare for the unexpected and the financial strain that can accompany it with an extra layer of protection. Accidental death insurance from Globe Life provides up to $250,000 worth of coverage in the case of accidental death for just $1 to start. In addition, acceptance is guaranteed regardless of health for individuals aged 18-69. Additional benefits, furnished at no extra cost, include coverage for myriad issues from inflation and education to dismemberment and paralysis.

Accidental death coverage only pays out if you're killed in an accident. Causes could include travel-related accidents, trips and falls, poisonings, etc. It would not cover terminal illnesses, extended injuries after an accident, or dying from old age. Globe life also has a supplemental accidental insurance product. Accidental death coverage helps buyers with ambulance riders, ICU stays, and other medical costs of accidents that don't result in death.

Mortgage Protection Insurance

You can protect your family's biggest asset and a potential source of stress in the event of your accidental death. For just a fraction of your monthly mortgage payment, this type of accidental death and dismemberment policy provides between $50,000-$350,000 to pay off your home mortgage. If the payout doesn't pay off your mortgage, loved ones could then look into options to refinance the smaller debt to lower monthly payments.

Rates start at just $5.50 per month, and acceptance is guaranteed for individuals ages 18-69. Additional benefits, furnished at no extra cost, include coverage in the case of a common disaster or commercially scheduled airline accident, among others.

One important thing to note is this is an accidental death and dismemberment policy. In short, it's not a comprehensive plan for every cause of death. Benefits would only apply after a covered accident. The limits are part of what makes this policy so cheap. It's excellent for a policyholder's prime working years but may not be as beneficial for retirees.

Globe Life's advertised rates are affordable, with types of life insurance  for adults and children starting at $1 for the first month, after which the rate is based on the individual's current age and guaranteed for the policy terms. Unlike some competitors, Globe Life also offers a limited money-back guarantee. If unsatisfied, return your policy within 30 days for a full refund.

Globe Life offers many cheap plans with low payouts. These are great for buyers on a tight budget or those seeking easy approval for a funeral cost plan. However, buyers looking for large plans for retirement or other financial planning would find better products with other companies.

Anyone can file a claim with Globe Life, including a spouse, child, another beneficiary, or a family spokesperson (including a representative from a funeral home). Providing the following information will expedite the claims process:

• Life insurance policy number
• Contact info for the beneficiary
• Official death certificate
• Copy of obituary
• Coroner's and/or police report (in the case of accident, homicide, or suicide)

Once gathered, mail all documents to the following:

Globe Life Inc.

PO Box 8076

Attn: Life Claims Department

McKinney, TX 75070

On average, it takes Globe Life 10-15 days to receive, log and process the information included in the above documents. Please bear in mind processing times can vary. Globe Life representatives will notify you should additional information be needed.

It only takes a few minutes to complete its easy online application. Once approved, Globe Life will send a copy of your policy via mail.

Obtaining additional life insurance coverage for family members is easy with Globe Life's e-ServiceCenter. New applications for adults and children are accessible with your current login information if you have an existing plan. New customers can also apply online or over the phone.

Once you've begun the claims process, Globe Life offers phone and online-based customer service. Call Customer Service at 1-888-650-4081 or visit the company's eServiceCenter to check the status of a claim you've filed.

Globe Life Insurance Competitors

Learn more about Globe Life Insurance and whether it is the right life insurance company for you.

Globe Life vs. State Farm Life Insurance

Globe Life prides itself on simple, standard coverage delivering death benefits topping out at $100,000 compared to more robust options from State Farm . Globe Life focuses mainly on small funeral policies or accident coverage. State Farm offers larger payouts and options like its Survivorship Universal Life Insurance, which covers two individuals. So, for example, a husband and wife could buy a policy, and the value would be based on the couple's combined lifespan and qualifications.

Globe Life scored 798 on the latest JD Power US Individual Life Insurance Study. In short, the company earns consistently high marks from customers. Still, State Farm outranks Globe Life with a score of 843. With State Farm, applicants may have to submit to a medical exam. But the company offers more comprehensive policies to pay out in more flexible circumstances. It also has more permanent life insurance options to meet diverse needs. Most importantly, buyers can bundle State Farm life insurance with homeowners, auto, and other State Farm plans.

As you might expect from its JD Power rankings, State Farm customers have a lot to say about the package it provides. Mb of Palm Springs, CA, left a review on ConsumerAffairs , saying, "State Farm may or may not be the cheapest. However, their customer service is outstanding. They proactively contact me to review my insurance once a year. They always answer my questions quickly and clearly. If they don't know immediately, they are willing to admit they don't know and always follow-up ASAP."

State Farm Life Insurance Review

Globe Life vs. Mutual of Omaha Life Insurance

Globe Life has become known for its quick and flexible whole and term life policies. Especially with its accidental death policies, Globe Life offers no medical exam options with fast approvals. Mutual of Omaha is not quite as cheap. Term Life Express is the company's only option for life insurance with no medical exam. But it comes with significantly higher limits than any of Globe Life's policies for all causes of death (not just approved accidents) up to $300,000. The company's strong financial backing means building cash value is easy, as evidenced by options including Universal Life Insurance (boasting coverage over $1 million) and Indexed Universal Life Insurance (a flexible albeit risky way to build cash value).

Both companies have whole life policies. Again, Mutual of Omaha offers a diverse range of policies with higher benefits. Mutual of Omaha customers can enjoy accelerated death benefits in the event of a terminal disease and other riders. Its underwriting may take longer than Globe Life's, but the higher benefits will pay off in the long run for approved customers. At this time, both companies enjoy high customer satisfaction rankings with JD Power.

Most importantly, Mutual of Omaha will likely never offer the bargain policies Globe Life does. But customers still find pricing reasonable. Wendy of Enola, PA, reviewed Mutual of Omaha on ConsumerAffairs , saying, "I have a practical and effective insurance policy with great and affordable rates. Company has an excellent and easy to use website."

Mutual of Omaha Life Insurance

Globe Life vs. SBLI 

SBLI offers Cherish Life final expense insurance up to $35,000 in coverage with two significant benefits. SBLI customers can apply until age 80, and beneficiaries can use benefits to pay for any of the insured's expenses. Globe Life has a cut-off age of 75 to apply. Both companies offer whole and term life insurance policies. Both companies also have no medical exam life insurance options.

At this time, Globe Life's listed policy limits are low. Most policies cover funeral costs. Plans with higher benefits are mostly accident policies (it only pays out if you die due to a covered accident). SBLI doesn't list its limits on its site. However, it focuses on whole and term life insurance for any cause of death.

The customer reviews tell a great story about SBLI. Trustpilot reviewer Matthew says, "SBLI has always been a notch above all others in the insurance industry. We have had policies with them for about 8 years, and have never experienced anything but great service, honest and candid feedback, and they deliver exactly what they communicate!"

SBLI Review

Why You Should Trust Us: How We Reviewed Globe Life Insurance

Life insurance companies are compared based on product quality, insurance riders, net performance scores, pricing, and customer service. A diverse array of life insurance products is used to compare death benefit plans with life insurance designed for long-term financial planning. Opinions expressed here are wholly based on facts gathered.

Ratings are not decided based solely on marketing or single online reviews. Instead, we gather a broad mix of information to rank all insurance products consistently and fairly. Therefore, the best way to ensure you find the right policy is to utilize a qualified agent when shopping for life insurance.

You can read more about our rating system here .

What Does "No Medical Exam" Mean With Globe Life?

None of the life insurance products at Globe Life require a medical or physical exam. Instead, the insurer uses a series of health-related questions (part of the company's online application) to determine eligibility. Full transparency, especially with preexisting conditions, is essential. Dishonesty of any kind puts the insured at risk of policy cancellation or unpaid death benefits. You may be eligible for a small funeral costs policy even if you're denied a more comprehensive life insurance policy.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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California News | How 4/20 grew from humble roots to…

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California news | how 4/20 grew from humble roots to marijuana’s high holiday.

By GENE JOHNSON

SEATTLE — Saturday marks marijuana culture ’s high holiday, 4/20, when college students gather — at 4:20 p.m. — in clouds of smoke on campus quads and pot shops in legal-weed states thank their customers with discounts.

This year’s edition provides an occasion for activists to reflect on how far their movement has come, with recreational pot now allowed in nearly half the states and the nation’s capital. Many states have instituted “social equity” measures to help communities of color, harmed the most by the drug war, reap financial benefits from legalization. And the White House has shown an openness to marijuana reform.

Here’s a look at 4/20’s history:

The origins of the date, and the term “420” generally, were long murky. Some claimed it referred to a police code for marijuana possession or that it derived from Bob Dylan’s “Rainy Day Women No. 12 & 35,” with its refrain of “Everybody must get stoned” — 420 being the product of 12 times 35.

FILE – A vendor makes change for a marijuana customer at a cannabis marketplace in Los Angeles, April 15, 2019. Marijuana advocates are gearing up for Saturday, April 20, 2024. Known as 4/20, marijuana’s high holiday is marked by large crowds gathering in parks, at festivals and on college campuses to smoke together. (AP Photo/Richard Vogel, File)

FILE – Members of a crowd numbering tens of thousands smoke marijuana and listen to live music at the Denver 420 pro-marijuana rally at Civic Center Park in Denver, April 20, 2013. Marijuana advocates are gearing up for Saturday, April 20, 2024. Known as 4/20, marijuana’s high holiday is marked by large crowds gathering in parks, at festivals and on college campuses to smoke together. This year, activists can reflect on how far the movement has come. (AP Photo/Brennan Linsley, File)

FILE – The Waldos, from left, Mark Gravitch, Larry Schwartz, Dave Reddix, Jeffrey Noel and Steve Capper sit on a wall they used to frequent at San Rafael High School in San Rafael, Calif., April 13, 2018. Marijuana advocates are gearing up for Saturday, April 20, 2024. Known as 4/20, marijuana’s high holiday is marked by large crowds gathering in parks, at festivals and on college campuses to smoke together. (AP Photo/Eric Risberg, File)

FILE – Patrons smoke marijuana at Lowell’s Original Cannabis Cafe, a legal marijuana establishment, in Los Angeles, Nov. 13, 2019. Marijuana advocates are gearing up for Saturday, April 20, 2024. Known as 4/20, marijuana’s high holiday is marked by large crowds gathering in parks, at festivals and on college campuses to smoke together. (AP Photo/Richard Vogel, File)

FILE – A large crowd cheers as the time reaches 4:20 p.m., on Hippie Hill in Golden Gate Park in San Francisco, April 20, 2009. Marijuana advocates are gearing up for Saturday, April 20, 2024. Known as 4/20, marijuana’s high holiday is marked by large crowds gathering in parks, at festivals and on college campuses to smoke together. This year, activists can reflect on how far the movement has come. (AP Photo/Jeff Chiu, File)

FILE – Gabe Williams works on an exhibit at the Cannabition cannabis museum in Las Vegas, Sept. 18, 2018. The museum celebrates all things cannabis with displays that include a glass bong taller than a giraffe and huggable faux marijuana buds. Medical marijuana is now legal in 38 states. (AP Photo/John Locher, File)

FILE – Joseph DuPuis, co-founder of Doc & Yeti Urban Farms, a licensed cannabis producer, looks out into a growing area in Tumwater, Wash., March 15, 2023. Marijuana advocates are gearing up for Saturday, April 20, 2024. Known as 4/20, marijuana’s high holiday is marked by large crowds gathering in parks, at festivals and on college campuses to smoke together. Medical marijuana is now legal in 38 states. (AP Photo/Eugene Johnson, File)

FILE – Music fans seek shelter in a grass hut at the Woodstock Music and Art Festival in Bethel, N.Y., Aug. 17, 1969. The sign above reads “Have a Marijuana.” Marijuana advocates are gearing up for Saturday, April 20, 2024. Known as 4/20, marijuana’s high holiday is marked by large crowds gathering in parks, at festivals and on college campuses to smoke together. Medical marijuana is now legal in 38 states. (AP Photo/File)

FILE – Set to the symbolic 4:20 time, weed patterns adorn clocks up for sale on the first of three days of Hempfest, Seattle’s annual gathering to advocate the decriminalization of marijuana, at Myrtle Edwards Park on the waterfront in Seattle, Aug. 15, 2014. (Jordan Stead/seattlepi.com via AP, File)

But the prevailing explanation is that it started in the 1970s with a group of bell-bottomed buddies from San Rafael High School, in California’s Marin County north of San Francisco, who called themselves “the Waldos.” A friend’s brother was afraid of getting busted for a patch of cannabis he was growing in the woods at nearby Point Reyes, so he drew a map and gave the teens permission to harvest the crop, the story goes.

During fall 1971, at 4:20 p.m., just after classes and football practice, the group would meet up at the school’s statue of chemist Louis Pasteur, smoke a joint and head out to search for the weed patch. They never did find it, but their private lexicon — “420 Louie” and later just “420” — would take on a life of its own.

The Waldos saved postmarked letters and other artifacts from the 1970s referencing “420,” which they now keep in a bank vault, and when the Oxford English Dictionary added the term in 2017, it cited some of those documents as the earliest recorded uses .

HOW DID ‘420’ SPREAD?

A brother of one of the Waldos was a close friend of Grateful Dead bassist Phil Lesh, as Lesh once confirmed in an interview with the Huffington Post, now HuffPost. The Waldos began hanging out in the band’s circle and the slang spread.

Fast-forward to the early 1990s: Steve Bloom, a reporter for the cannabis magazine High Times, was at a Dead show when he was handed a flier urging people to “meet at 4:20 on 4/20 for 420-ing in Marin County at the Bolinas Ridge sunset spot on Mt. Tamalpais.” High Times published it.

“It’s a phenomenon,” one of the Waldos, Steve Capper, now 69, once told The Associated Press. “Most things die within a couple years, but this just goes on and on. It’s not like someday somebody’s going to say, ‘OK, Cannabis New Year’s is on June 23rd now.’”

While the Waldos came up with the term, the people who made the flier distributed at the Dead show — and effectively turned 4/20 into a holiday — remain unknown.

HOW IS IT CELEBRATED?

With weed, naturally.

Some celebrations are bigger than others: The Mile High 420 Festival in Denver, for example, typically draws thousands and describes itself as the largest free 4/20 event in the world. Hippie Hill in San Francisco’s Golden Gate Park has also attracted massive crowds, but the gathering was canceled this year, with organizers citing a lack of financial sponsorship and city budget cuts.

College quads and statehouse lawns are also known for drawing 4/20 celebrations, with the University of Colorado Boulder historically among the largest, though not so much since administrators banned the annual smokeout over a decade ago.

Some breweries make beers that are 420-themed, but not laced, including SweetWater Brewing in Atlanta, which is throwing a 420 music festival this weekend and whose founders went to the University of Colorado.

Lagunitas Brewing in Petaluma, California, releases its “Waldos’ Special Ale” every year on 4/20 in partnership with the term’s coiners. That’s where the Waldos will be this Saturday to sample the beer, for which they picked out “hops that smell and taste like the dankest marijuana,” one Waldo, Dave Reddix, said via email.

4/20 has also become a big industry event, with vendors gathering to try each other’s wares.

THE POLITICS

The number of states allowing recreational marijuana has grown to 24 after recent legalization campaigns succeeded in Ohio, Minnesota and Delaware. Fourteen more states allow it for medical purposes, including Kentucky, where medical marijuana legislation that passed last year will take effect in 2025. Additional states permit only products with low THC, marijuana’s main psychoactive ingredient, for certain medical conditions.

But marijuana is still illegal under federal law. It is listed with drugs such as heroin under Schedule I of the Controlled Substances Act, meaning it has no federally accepted medical use and a high potential for abuse.

The Biden administration, however, has taken some steps toward marijuana reform. The president has pardoned thousands of people who were convicted of “simple possession” on federal land and in the District of Columbia.

The Department of Health and Human Services last year recommended to the Drug Enforcement Administration that marijuana be reclassified as Schedule III, which would affirm its medical use under federal law.

According to a Gallup poll last fall, 70% of adults support legalization, the highest level yet recorded by the polling firm and more than double the roughly 30% who backed it in 2000.

Vivian McPeak, who helped found Seattle’s Hempfest more than three decades ago, reflected on the extent to which the marijuana industry has evolved during his lifetime.

“It’s surreal to drive by stores that are selling cannabis,” he said. “A lot of people laughed at us, saying, ‘This will never happen.’”

WHAT DOES IT MEAN?

McPeak described 4/20 these days as a “mixed bag.” Despite the legalization movement’s progress, many smaller growers are struggling to compete against large producers, he said, and many Americans are still behind bars for weed convictions.

“We can celebrate the victories that we’ve had, and we can also strategize and organize to further the cause,” he said. “Despite the kind of complacency that some people might feel, we still got work to do. We’ve got to keep earning that shoe leather until we get everybody out of jails and prisons.”

For the Waldos, 4/20 signifies above all else a good time.

“We’re not political. We’re jokesters,” Capper has said. “But there was a time that we can’t forget, when it was secret, furtive. … The energy of the time was more charged, more exciting in a certain way.

“I’m not saying that’s all good — it’s not good they were putting people in jail,” he continued. “You wouldn’t want to go back there.”

Associated Press writer Claire Rush contributed from Portland, Oregon.

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IRDAI scraps age limit on health insurance purchase

New Delhi: The insurance regulator IRDAI has removed the age limit of 65 years for individuals buying health insurance policies to widen the market and foster adequate protection from healthcare expenses. This marks a significant departure from the conventional constraints that limited individuals in securing comprehensive coverage.

By abolishing the maximum age restriction on purchasing health insurance plans, the Insurance Regulatory and Development Authority of India (IRDAI) aims to foster a more inclusive and accessible healthcare ecosystem, ensuring adequate protection against unforeseen medical expenses.

As per the earlier guidelines, individuals were allowed to purchase a new insurance policy only till the age of 65. However, with the recent amendment, which has been effective from April 1, anyone, regardless of age, is eligible to buy a new health insurance policy.

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In a recent gazette notification, IRDAI said, "insurers shall ensure that they offer health insurance products to cater to all age groups. Insurers may design products specifically for senior citizens, students, children, maternity, and any other group as specified by the Competent Authority."

Besides, insurers have been mandated to offer health policies to individuals with pre-existing medical conditions of any kind. Consequently, insurers are prohibited from refusing to issue policies to individuals with severe medical conditions like cancer, heart or renal failure, and AIDS.

According to the notification, insurers are allowed to offer premium payment in instalments for the convenience of policyholders. Travel policies can only be offered by general and health insurers, it said.

There is no limit on AYUSH treatment coverage. Treatments under systems like Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy will receive coverage up to the sum insured without any cap, it said.

Policyholders with benefit-based policies can file multiple claims with various insurers, enhancing flexibility and options, it said. The proposed regulation seeks to handle the complaints and claims of senior citizens via a specialised channel, ensuring a more tailored and responsive approach to their requirements, it added. 

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