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Travel protection plans for individual travel

SafeTrip protection plans are created for individuals, families, business travelers, students and more with a single purpose – to give you the protection you need for the trip you want. It is medical coverage, medical and travel assistance as well as medical evacuation and more.

Choose from three plans that deliver a combination of trip protection, health benefits and safety services.

International Travel Medical Plus:  Travel protection for trip cancellations or interruptions plus international travel medical insurance to cover you for emergency medical costs.

International Travel Medical: Covers you for unexpected health care costs due to accident or illness while abroad.

Travel Protection: Protection for trip cancellation, interruption and delays for U.S. domestic travel only

International insurance plans for business travelers on short-term trips.

International insurance plans for expatriates, multinational and third-country nationals.

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International plans for individual travel

International trips are filled with adventure. But unexpected medical and emergency events like a lost passport or family member falling ill can halt those plans and end up being more costly than the trip itself.

SafeTrip travel insurance was created for individuals, families, business travelers, students and more with a single purpose – to give you the protection you need for the trip you want. It is medical coverage, medical and travel assistance as well as medical evacuation and more - all for as little as the cost of a family meal. 

International insurance plans for business travelers on short-term trips.

International insurance plans for expatriates, multinational and third-country nationals.

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Tips to help stay healthier on your overseas trip

In June 2017, Kay Barcellos was enjoying a wonderful vacation in Sweden, celebrating her 80th birthday with her family. She didn’t anticipate her trip would be cut short by an accident.

While walking to her Stockholm hotel room, Kay tripped on a raised door sill and landed on her knee. She was taken by ambulance to a nearby hospital, where X-rays revealed she had fractured a bone above her tibia. In order to immobilize her knee, Kay had to wear a full leg brace and was dependent on a wheelchair.

Kay is not alone. According to the US Travel Insurance Association,  nearly 20%  of all travelers (17 million Americans) are expected to experience an illness or injury when traveling outside of the United States each year. Despite this fact, a recent UnitedHealthcare consumer survey 1 found that most Americans have never purchased travel insurance before an international trip. In fact, only 27% of people who traveled internationally in the past five years reported doing so.

Traveling internationally without the right coverage may put your health and financial well-being at risk. The International Federation of Health Plans found that without proper international health care coverage, an overnight hospital stay in Australia could cost an individual around $1,500 in out-of-pocket expenses. And the Centers for Disease Control and Prevention estimates a medical evacuation can cost $100,000 or more. In comparison, a UnitedHealthcare travel medical protection plan is available for a fraction of that amount. 2

Before you hit the road or take to the skies, consider these tips to help protect your health, safety and wallet while you're away.

• Resources:  You can search a  list of countries  on the Centers for Disease Control and Prevention’s website to determine what vaccines you should consider.
• Resources:  Learn more about travel medical protection on UnitedHealthcare’s  SafeTrip website . 
• Give yourself credit:  Consider carrying an extra credit card with a large limit to use for unanticipated medical expenses. Foreign hospitals will typically want upfront payment, rather than billing the plan. Be sure to get clear, complete copies of all bills, medical records and discharge notes to submit for reimbursement from your plan.
• Resources:  Learn more about  Medicare and traveling abroad .

Follow these tips to help stay focused on fun, friends and family during your next overseas trip. For more information, visit  uhcsafetrip.com .

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The Best Travel Medical Insurance of 2024

Allianz Travel Insurance »

Seven Corners »

GeoBlue »

WorldTrips »

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 Medical Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

• Allianz Travel Insurance: Best Overall
• Seven Corners: Best for Families
• GeoBlue: Best for Expats
• WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

• Up to $50,000 in emergency medical coverage
• Up to $250,000 in emergency medical evacuation coverage
• Up to $2,000 in coverage for baggage loss and damage
• Up to $600 in baggage delay insurance
• Up to $1,000 for travel delays
• Up to $10,000 in travel accident insurance
• 24-hour hotline assistance
• Concierge services

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

• Up to $5 million in comprehensive medical coverage
• Up to $500,000 in emergency evacuation coverage
• Up to $10,000 in coverage for incidental trips to home country
• Up to $25,000 in coverage for terrorist activity
• Up to $500 in accidental dental emergency coverage
• Up to $100 per occurrence in coverage for emergency eye exams
• $50,000 in coverage for local burial or cremation
• 24/7 travel assistance
• Up to $25,000 in coverage for accidental death and dismemberment per traveler
• Up to $500 for loss of checked baggage
• Up to $5,000 for trip interruptions
• Up to $100 per day for trip delays
• Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

• Up to $250,000 in coverage for emergency medical evacuation
• Up to $25,000 for repatriation of mortal remains
• $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

• Up to $1,000,000 of maximum coverage
• Up to $1,000,000 for emergency medical evacuation
• Up to $10,000 for trip interruptions
• Up to $1,000 for lost checked luggage
• Up to $100 per day for travel delays
• Up to $25,000 in personal liability coverage
• Medical coverage for eligible expenses related to COVID-19
• Ability to add coverage for your spouse and/or child(ren)
• Repatriation of remains coverage up to overall limit
• Up to $5,000 for local burial or cremation 
• $10,000 to $50,000 for common carrier accidental death

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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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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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Get Travel Insurance Quotes Online

Protect your trip with the best travel insurance . Compare travel insurance quotes from multiple providers with Squaremouth.

What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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AARP Medicare Part D from UnitedHealthcare 2024 Review

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AARP/UnitedHealthcare

CMS Star Rating Average Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).

AARP/UnitedHealthcare Medicare Part D plans are widely available and get average quality ratings from CMS. Premiums can get expensive, however, and ratings for helping members with their medications aren't as strong.

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Speak to a licensed insurance agent on askchapter.org

from askchapter.org

Out-of-pocket costs Based on how frequent and how high a company's copays, coinsurance and deductibles are in comparison to other insurance companies.

Member experience The average of CMS' star ratings for quality measures in the domain "Member Experience with the Drug Plan," weighted by contract enrollment.

2.94 (Average)

• Available everywhere in the U.S. and in several U.S. territories.
• Few complaints and few members choosing to leave.
• Copays rather than coinsurance for Tier 1-3 drugs in most plans.
• Competitors often offer cheaper plans.
• Below-average ratings for helping members fill and manage prescriptions.
• $0-copay options available only with the most expensive plan.

AARP Medicare Part D prescription drug plans are insured by UnitedHealthcare [0] AARP . Medicare Part D Prescription Drug Plans . Accessed Mar 26, 2024. View all sources . About 3.8 million Medicare beneficiaries have AARP Medicare Rx Part D plans from UnitedHealthcare as of March 2024 [0] Centers for Medicare & Medicaid Services . PDP Plan Directory . Accessed Mar 26, 2024. View all sources .

AARP Medicare Rx prescription drug plans are widely available and get solid ratings for quality from the Centers for Medicare & Medicaid Services [0] NerdWallet analysis of CMS Data . 2024 Star Ratings Data Tables (Oct 13 2023) (ZIP) . Accessed Mar 26, 2024. View all sources . The plans' premiums can get expensive, however. And their ratings for helping members get and take their medications are below average.

Here’s what you should know about AARP Medicare Part D prescription drug plans from UnitedHealthcare.

AARP Medicare Part D pros and cons

Medicare prescription drug plans from AARP and UnitedHealthcare have advantages and disadvantages.

Availability: You can get an AARP Part D plan from UnitedHealthcare everywhere in the U.S. and in several U.S. territories.

Copays vs. coinsurance: You'll pay copays rather than coinsurance for drugs on Tiers 1-3 in most AARP Medicare Rx plans.

Member satisfaction: AARP Medicare Part D plans had few complaints and small numbers of members choosing to leave the plans.

Premiums: Other companies often offer lower prices, and the Medicare Rx Walgreens plan is much more expensive in 2024.

Medication management: AARP Medicare Rx plans get below-average ratings for helping members fill their prescriptions and manage their drugs.

$0-copay options: Only the most expensive AARP Medicare Rx plan has any $0-copay options.

AARP and UnitedHealthcare Medicare Part D star ratings

Average Part D star rating, weighted by enrollment: 3.28 stars

The Centers for Medicare & Medicaid Services (CMS) rates Medicare Part D plans on 12 quality measures [0] Centers for Medicare & Medicaid Services . Medicare 2024 Part C & D Star Ratings Technical Notes . Accessed Mar 26, 2024. View all sources . (You can find definitions for each of these factors in the CMS Star Ratings Technical Notes .)

These ratings use a 5-point scale, where 5 is the best and 1 is the worst. The agency bases its ratings on drug plans’ quality of service and customer experiences, and ratings are updated annually [0] Centers for Medicare & Medicaid Services . Fact Sheet - 2024 Medicare Advantage and Part D Star Ratings . Accessed Mar 26, 2024. View all sources .

Based on the most recent year of data, stand-alone AARP Medicare Part D plans from UnitedHealthcare get an average of 3.28 stars, weighted by enrollment [0] NerdWallet analysis of CMS data . 2024 Star Ratings Data Tables (Oct 13 2023) (ZIP) . Accessed Mar 26, 2024. View all sources . The average for all stand-alone Medicare Part D plans from all providers, weighted by enrollment, was 3.15 stars as of March 2024.

» MORE: Medicare star ratings: How they can help you choose a plan

Still deciding on the right carrier? Compare Medicare Part D Plans

Aarp medicare part d prescription drug plans.

Medicare beneficiaries with Original Medicare ( Part A and/or Part B ) can purchase a Medicare Part D plan for prescription drug coverage. Part D plans are sold by private insurance companies. The costs and coverage can vary significantly, so it’s important to compare options.

There are four AARP Medicare Rx Part D prescription drug plan options available from UnitedHealthcare in 2024, but in any given location, you'll be able to choose between up to three options (never all four) [0] UnitedHealthcare . Compare Medicare Prescription Drug (Part D) Plans . Accessed Mar 26, 2024. View all sources .

Two plans are available nationally:

AARP Medicare Rx Walgreens from UHC. According to AARP and UnitedHealthcare, this plan is a good fit if you fill your prescriptions primary at Walgreens.

AARP Medicare Rx Preferred from UHC. According to AARP and UnitedHealthcare, this plan is a good fit if you “want our most extensive drug coverage and access to a broad pharmacy network.”

The other two plans serve different sets of states:

AARP Medicare Rx Saver from UHC. Available in 20 states and Washington, D.C.

AARP Medicare Rx Basic from UHC. Available in 30 states.

According to AARP and UnitedHealthcare, the Basic and Saver plans are best for people who receive Extra Help , a subsidy that helps Medicare beneficiaries with limited income afford their prescription drugs. Those plans replace last year's AARP Medicare Rx Saver Plus plan, which had been available in all states.

AARP Medicare Part D cost

Aarp and unitedhealthcare medicare part d premiums and deductibles.

Average premiums for the Walgreens plan have gone up significantly since 2023, and the deductible has gone up to meet 2024’s maximum that plans are allowed to charge.

Average premiums for the Preferred plan have gone down slightly since 2023, and it still has a $0 deductible in most locations, but the deductible in U.S. territories has gone up.

(The Basic and Saver plans are new this year.)

Here are the 2024 premiums and deductibles for AARP’s stand-alone Medicare Part D prescription drug plans [0] Centers for Medicare & Medicaid Services . CY2024_Landscape_Files_Final_20240314 (ZIP) . Accessed Mar 26, 2024. View all sources :

» If you're concerned about affording Medicare Part D, look into Medicare Extra Help.

$0-deductible options

Some AARP Medicare Part D plans waive the deductible for drugs on certain formulary tiers:

AARP Medicare Rx Walgreens from UHC: $0 deductible for Tier 1 (preferred generic) drugs. The deductible is $410 for Tier 2-5 drugs [0] UnitedHealthcare . AARP Medicare Rx Walgreens from UHC (PDP) Summary of Benefits 2024 . Accessed Mar 26, 2024. View all sources .

AARP Medicare Rx Preferred from UHC: $0 deductible for all drugs in U.S. states and Washington, D.C. This plan has a deductible of $545 in American Samoa, Guam, the Northern Mariana Islands, Puerto Rico and the U.S. Virgin Islands [0] UnitedHealthcare . AARP Medicare Rx Preferred from UHC (PDP) Summary of Benefits 2024 . Accessed Mar 26, 2024. View all sources .

The $545 deductible applies to drugs on all tiers for both the Medicare Rx Basic [0] UnitedHealthcare . AARP Medicare Rx Basic from UHC (PDP) Summary of Benefits 2024 . Accessed Mar 26, 2024. View all sources and Saver plans [0] UnitedHealthcare . AARP Medicare Rx Saver from UHC (PDP) Summary of Benefits 2024 . Accessed Mar 26, 2024. View all sources .

$0-copay options

AARP Medicare Part D plans have relatively few $0-copay options in 2024.

The Medicare Rx Preferred plan has $0 copays for a 90-day supply of drugs on Tiers 1-2 when obtained from a preferred mail-order pharmacy [0] UnitedHealthcare . AARP Medicare Rx Preferred from UHC (PDP) Summary of Benefits 2024 . Accessed Mar 26, 2024. View all sources . Drugs from in-person pharmacies, non-preferred pharmacies or on higher tiers all have coinsurance or copay requirements.

There are no $0-copay tiers for the Medicare Rx Walgreens, Basic or Saver plans.

Copay vs. coinsurance requirements

You’ll want to check whether you’ll pay a copay or coinsurance for your medications. Copays are set dollar amounts, so it’s easy to see what you’ll pay. Coinsurance is a percentage of the price for your medications, so coinsurance requirements can be less predictable and more expensive.

For 2024, AARP Medicare Rx plans start requiring coinsurance rather than copays at Tier 3 or Tier 4, depending on the plan. The Walgreens, Preferred and Saver plans have copays for Tiers 1-3 and coinsurance for Tiers 4-5. The Basic plan is different. It has copays for Tiers 1-2 and coinsurance for Tiers 3-5.

You can enter your medications and pharmacy information on UnitedHealthcare’s website to see which drugs are covered and review your estimated costs with different plan options.

» MORE: How much does Medicare Part D cost?

AARP Medicare Part D service area

Stand-alone AARP Medicare Part D prescription drug plans are available from UnitedHealthcare in all 50 states, Washington, D.C., and five U.S. territories: American Samoa, Guam, the Northern Mariana Islands, Puerto Rico and the U.S. Virgin Islands [0] Centers for Medicare & Medicaid Services . CY2024_Landscape_Files_Final_20240314 (ZIP) . Accessed Mar 26, 2024. View all sources .

All U.S. states and Washington, D.C., have three AARP Medicare Rx plan choices: the Preferred plan, the Walgreens plan, and either the Basic or the Saver plan (but not both). Only the AARP Medicare Rx Preferred plan is available in the U.S. territories.

AARP is a nonprofit interest group and advocacy organization. It advocates for local, state and national policies on behalf of older Americans. AARP members can access benefits through the organization, including discounts on products and services.

About UnitedHealthcare

UnitedHealthcare is part of UnitedHealth Group, which is headquartered in Minnetonka, Minnesota. It's the largest health insurance company in the U.S. The company offers individual- and employer-based health insurance plans, Medicare and Medicaid plans, dental and vision plans, and other types of supplemental insurance.

Read the NerdWallet reviews of these other UnitedHealthcare and AARP Medicare offerings:

AARP/UnitedHealthcare Medicare Supplement Insurance (Medigap) .

UnitedHealthcare Medicare Advantage .

AARP Medicare Advantage .

Compare Medicare Part D companies

Get more information below about some of the major Medicare Part D companies. These insurers offer plans in most states, but specifics may vary depending on your location.

AARP Medicare Part D from UnitedHealthcare .

Aetna Medicare Part D .

Cigna Medicare Part D .

Humana Medicare Part D .

Mutual of Omaha Medicare Part D .

Wellcare Medicare Part D.

Find the right Medicare Part D prescription drug plan

The interactive tool on Medicare.gov can help you find a Medicare Part D plan that covers your prescriptions. It also helps you compare costs among Medicare Part D and Medicare Advantage plans available to you.

Here are some things to keep in mind when comparing plans:

Check the formulary: You’ll want to make sure the medicines you currently take and, importantly, any you think you might need in the future, are covered under each of the plans you’re considering. Talk to your health care providers about what brand-name and generic medicines to look for and any alternatives that may also work in case you can’t find your current medicines on the plans available in your area.

Look for plan changes: Formularies change frequently. Your insurer should send you a Notice of Plan Change when the formulary changes. Read that document carefully.

Check the pharmacy network: Most Medicare Part D plans negotiate with a network of pharmacies for the lowest cost. Check to see if your pharmacy or an equally convenient one is in the plan’s network. Also, compare prices for using mail order.

If your plan does change, and the change affects the prescription drugs you need, you can switch plans during Medicare's open enrollment period , Oct. 15 to Dec. 7. Changes go into effect on the following Jan. 1.

More on NerdWallet.com

Best Medicare Part D Prescription Drug Plans

Medicare Part D Drug Coverage: Benefits Overview and Plan Options

How Much Does Medicare Part D Cost?

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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Health Insurers’ Lucrative, Little-Known Alliance: 5 Takeaways

A private-equity-backed firm has helped drive down payments to medical providers, drive up patients’ bills and earn billions for insurers.

By Chris Hamby

Large health insurers are working with a little-known data company to boost their profits, often at the expense of patients and doctors, a New York Times investigation found. A private-equity-backed firm called MultiPlan has helped drive down payments to medical providers and drive up patients’ bills, while earning billions of dollars in fees for itself and insurers.

To investigate this largely hidden facet of the health care industry, The Times interviewed more than 100 patients, doctors, billing specialists, health plan advisers and former MultiPlan employees, and reviewed more than 50,000 pages of documents, including confidential records made public by two federal judges after petitions from The Times.

Here are five takeaways.

The smaller the payout to doctors, the bigger the fees for insurers and MultiPlan

When patients see medical providers outside their plans’ networks, UnitedHealthcare, Cigna, Aetna and other insurers often send the bills to MultiPlan to recommend a payment amount.

MultiPlan and the insurers have a powerful incentive to keep the payments low because their fees get bigger as the payments get smaller.

Here’s how it works.

The most common way Americans get health coverage is through an employer that pays for workers’ medical care itself and uses an insurance company to administer the plan. Providers in the plan’s network have agreed-upon rates, but out-of-network providers often must negotiate payments.

By using MultiPlan’s frugal recommendations, insurers say they are saving employers money. But insurers and MultiPlan also benefit because their fees are typically based on the size of the declared “savings” or “discount” — the difference between the original bill and the amount actually paid.

In some instances, insurers and MultiPlan have collected more for processing a claim than the provider received for treating the patient.

UnitedHealthcare, the largest U.S. insurer by revenue, has reaped about $1 billion in fees annually in recent years from out-of-network savings programs, including its work with MultiPlan, according to legal testimony.

Patients could be on the hook for the unpaid bills

Patients have seen their bills rise after their insurers began routing claims to MultiPlan, as providers charge them for the unpaid balance.

Some patients said they have scaled back or ceased long-term treatment as a result. The predicament can be especially punishing for people who depend on out-of-network specialists, including for mental health or substance abuse treatment.

Patients have limited recourse. If they want to sue, they usually must first complete an administrative appeals process, and even if the case goes forward, they stand to collect relatively modest amounts.

Self-funded plans are mostly exempt from state regulation, and the responsible federal agency says it has just one investigator for every 8,800 health plans.

Some medical providers face big pay cuts

MultiPlan and insurers say they are combating rampant overbilling by some doctors and hospitals, a chronic problem that research has linked to rising health care costs and regulators are examining. But low payments also squeeze small medical practices.

Kelsey Toney, who provides behavioral therapy for children with autism in rural Virginia, saw her pay cut in half for two patients. She has not billed the parents of those children, but said she would not accept new patients with similar insurance.

Other providers said they have begun requiring patients to pay upfront because appealing for higher insurance payments can be time-consuming, infuriating and futile.

Former MultiPlan employees said they had an incentive to lock in unreasonably low amounts: Their bonuses were tied to the size of the reductions.

Employers are charged hefty fees

Insurance companies pitch MultiPlan as a way to keep costs down, but some employers have complained about large and unanticipated fees.

For a New Jersey trucking company called New England Motor Freight, UnitedHealthcare used MultiPlan to reduce a hospital bill from $152,594 to $7,879, then charged the company a $50,650 processing fee.

In the Phoenix area, trustees managing an electricians’ union health plan were surprised to learn that the fees charged by Cigna had risen from around $550,000 in 2016 to $2.6 million in 2019, according to a lawsuit the trustees later filed.

Employers trying to verify the accuracy of insurers’ charges have sometimes faced challenges getting access to their own employees’ data.

Private equity is playing both sides

For years, insurance companies have blamed private-equity-backed hospitals and physician groups for hiking bills and making health care more expensive. But MultiPlan is also backed by private equity.

MultiPlan’s annual revenues have climbed to about $1 billion thanks to its embrace of more aggressive approaches to reducing costs. Its premier offering is an algorithm-driven tool called Data iSight , which consistently recommends the lowest payments to doctors — typically resulting in the highest processing fees.

MultiPlan became publicly traded in 2020, and its largest shareholders include the private equity firm Hellman & Friedman and the Saudi Arabian government’s sovereign wealth fund, regulatory documents show.

Chris Hamby is an investigative reporter for The Times, based in Washington. More about Chris Hamby

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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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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)

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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.

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):

• 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'. 

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.

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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