The Ultimate 2026 Travel Insurance Guide: What Travelers from the US, UK, Canada, Australia, UAE, Singapore, Netherlands, Germany & New Zealand Need to Know

Need travel insurance in 2026? This comprehensive guide covers costs, requirements, coverage options, and claim tips for travelers from the US, UK, Canada, Australia, UAE, Singapore, Netherlands, Germany, and New Zealand. Learn what to look for and what to avoid.

Introduction

You have booked the flights. The accommodations are confirmed. Your itinerary is planned down to the last museum visit and restaurant reservation. There is just one thing left—and it is arguably the most important part of any trip: travel insurance.

In 2026, the global travel insurance market is valued at approximately $35.82 billion** and is projected to reach **$140.78 billion by 2034, growing at a compound annual growth rate of 18.70%. That growth is not happening by accident. Travelers are becoming more aware of the financial risks associated with international travel—from medical emergencies in countries with exorbitant healthcare costs to flight cancellations, lost baggage, and geopolitical disruptions.

Globally, 74% of travelers purchase protection for at least one trip a year, and 58% now consider it “essential” for all journeys. Among those who have traveled internationally in the past 12 months, that figure rises to 70%. The message is clear: travel insurance is no longer an afterthought—it is a necessity.

This guide is written for travelers from the United States, Canada, the United Kingdom, Australia, the United Arab Emirates, Singapore, the Netherlands, Germany, and New Zealand. Whether you are a first-time traveler or a seasoned globetrotter, this article will help you understand what travel insurance covers, how much it costs, what your home country requires, and how to avoid the most common pitfalls.

The information in this guide is drawn from government sources, industry data, insurance provider documentation, and consumer advocacy groups. It reflects the landscape of travel insurance as of June 2026.

Key Facts at a Glance

Country	Travel Insurance Required?	Average Cost (2026)	Key Consideration
USA	Not legally required; strongly recommended	$307 per policy (avg 15-day trip)	US Medicare/Medicaid does not cover overseas
Canada	Required for Super Visa, IEC work permits, some student visas	$269 per policy	Provincial health plans offer limited foreign coverage
UK	Not legally required; FCDO strongly recommends	£21–£67 per single trip	Traveling against FCDO advice invalidates cover
Australia	Not legally required for tourists	~$512 per policy (avg 26-day trip)	High medical costs for non-residents
UAE	Not universally required; airline/visa rules may apply	Varies widely	Etihad offers complimentary cover for eligible visitors
Singapore	Not legally required	Varies by provider	COVID-19 coverage may require add-on
Netherlands	Required for Schengen visa applicants	Varies	Minimum €30,000 medical coverage for Schengen
Germany	Required for Schengen visa applicants	Varies	€30,000 minimum; no COVID exclusions
New Zealand	Not legally required; strongly recommended	Varies	ACC covers accidents only—not illness

Why Travel Insurance Matters More in 2026

The Rising Cost of Medical Care Abroad

The single biggest reason to purchase travel insurance is medical emergencies. Healthcare costs vary dramatically by country, and without insurance, a serious illness or injury can bankrupt even well-prepared travelers.

Consider these figures:

In the United States, a single ICU stay can exceed $10,000 per day**. One UK traveler's gastroenteritis claim in the US reached **$44,162.
The average UK claim from the US is £7,594, compared with £1,721 for Europe and £818 for Australia.
In Canada, in-patient hospital claims can go up to $40,000.

Travel insurance is not about expecting the worst—it is about ensuring that if the worst happens, you are not left with a five- or six-figure bill.

The Shift from Medical to Non-Medical Claims

Interestingly, 2026 data reveals a significant shift in the types of claims travelers are filing. Non-medical claims—trip cancellations, delays, and baggage disruptions—now account for 58% of total travel insurance claims, compared with 42% for medical emergencies. One provider recorded 16,000 non-medical claims versus just 4,000 medical claims.

This shift reflects changing traveler concerns: rising flight costs, complex itineraries, and growing awareness that trip disruptions can be just as financially devastating as medical emergencies.

Geopolitical Uncertainty

The Association of British Insurers (ABI) has made its position clear: traveling against FCDO advice is likely to invalidate your travel insurance. This applies equally to travelers from other countries who ignore their own government's travel advisories. With ongoing tensions in various regions, this is a consideration no traveler can afford to ignore.

Travel Insurance Requirements by Country

🇺🇸 United States

For US citizens traveling abroad: The US government does not provide insurance for US citizens overseas. US Medicare and Medicaid do not cover medical care outside the United States. The State Department's International Travel Checklist explicitly states: "We highly recommend that you buy insurance before you travel".

For visitors to the US: Travel insurance is not legally required for entry, but it is strongly recommended. Medical costs in the US are among the highest in the world. A basic comprehensive travel insurance plan for the US averages **$254 for an 11-day trip**—about $23 per day. That is a small price to pay compared to the potential cost of an uninsured hospital visit.

Key consideration: Many "worldwide" policies exclude the US or apply higher deductibles. Always check whether your policy covers the US at the level you need.

🇨🇦 Canada

For Canadian citizens traveling abroad: You must have valid provincial or territorial health insurance to be eligible for most travel insurance policies. Premiums vary significantly by age: a healthy 35-year-old on a 7-day US trip pays roughly $22 to $45 for emergency medical coverage; a 65-year-old on the same trip pays $70 to $180.

For visitors to Canada: Travel insurance is mandatory in three specific cases:

International Experience Canada (IEC) work permits
Super Visa for parents and grandparents (minimum $100,000 coverage, 1-year minimum, Canadian insurer required)
Most international student visas

For other visitors, travel insurance is not legally required but is highly recommended. ICU stays in Canada cost approximately $10,000 per day.

🇬🇧 United Kingdom

For UK citizens traveling abroad: The UK Foreign, Commonwealth & Development Office (FCDO) is unequivocal: "Before you go, make sure your travel insurance covers all your medical conditions. If you don't declare a condition, your claim could be rejected".

Crucially, traveling against FCDO advice will usually invalidate standard cover. If the FCDO advises against all but essential travel to a destination and you go anyway, your insurance will likely be worthless.

The average UK single-trip policy costs around £21, while annual multi-trip policies average £53. However, if you are visiting the US, expect to pay more: UK policies for the US average £52.84, while Canada averages £58.58.

Key tip: UK travelers visiting EU countries should carry a Global Health Insurance Card (GHIC) or valid European Health Insurance Card (EHIC), which provides access to state-provided healthcare in EU countries at reduced cost or free. This is not a substitute for travel insurance but a useful supplement.

🇦🇺 Australia

For Australian citizens traveling abroad: Travel insurance is not legally required, but it is strongly recommended. Australians have access to reciprocal healthcare agreements with some countries (including the UK, New Zealand, and several European nations), but these agreements are limited and do not cover everything private travel insurance does.

Basic international coverage starts around $80–$150 for short trips, while comprehensive coverage ranges from $200–$500 for equivalent trips. Annual comprehensive policies cost $400–$800 for frequent travelers.

For visitors to Australia: Travel insurance is not required for tourist entry. However, Australia's remote landscapes and costly medical care for non-residents make coverage a wise investment. The average Australia travel insurance policy costs roughly $512, with trips averaging 26 days—longer than most destinations, giving more time for disruptions to occur.

🇦🇪 United Arab Emirates

For UAE residents traveling abroad: Travel insurance is not legally required for all UAE residents, but many airlines and destination visa rules make it mandatory in practice. For most routes, you will need proof of coverage.

For visitors to the UAE: Travel insurance is no longer required for entering Dubai or the UAE for tourists eligible for visa-on-arrival. However, standard US health insurance is not widely accepted in the UAE, so most travelers opt for at least travel medical insurance.

2026 development: Etihad Airways announced in June 2026 that it would be introducing complimentary medical travel insurance for visits to the UAE between July and December 2026, providing up to 15 days of medical cover automatically included with eligible Etihad tickets. Emirates also launched a paid Comprehensive Travel Cover option including unlimited medical expense and emergency evacuation coverage worldwide.

🇸🇬 Singapore

For Singapore residents and visitors: Travel insurance is not legally required for entry into Singapore. However, Singapore residents are well-served by a competitive travel insurance market with numerous providers offering comprehensive coverage.

COVID-19 update: For policies purchased on or after 27 February 2026, coverage for COVID-19 is available only if you purchase the COVID-19 Coverage add-on and you are not traveling against travel advisory issued by the Singapore government.

Some Singapore providers offer coverage up to S$300,000 for overseas COVID-19-related medical and evacuation costs.

🇳🇱 Netherlands

For travelers to the Netherlands (and the Schengen Area): If you require a Schengen visa to enter the Netherlands, travel insurance is mandatory. The policy must provide minimum medical coverage of €30,000, including emergency medical expenses and repatriation. The policy must be valid in all 29 Schengen countries.

For US, UK, Canadian, Australian, Singaporean, and New Zealand citizens who do not require a Schengen visa for short stays (under 90 days), travel insurance is not legally required but highly recommended.

2026 update: The European Travel Information and Authorisation System (ETIAS) is expected to come into effect later in 2026. While ETIAS is not a visa, it will require travelers from visa-exempt countries to obtain pre-travel authorization—and having compliant travel insurance may become a practical requirement.

🇩🇪 Germany

For travelers to Germany (and the Schengen Area): The requirements are identical to the Netherlands. Germany requires travel insurance as a mandatory prerequisite for any Schengen Visa application.

The policy must:

Be valid for the entire Schengen area
Provide coverage of up to €30,000
Not contain exclusions such as coronavirus infections

Some German embassies also require the insurance to be valid for 90 days from the day of entry and may require the policy period to extend 1–2 days before and after the trip to cover flight delays.

🇳🇿 New Zealand

For New Zealand citizens traveling abroad: Travel insurance is not legally required but strongly recommended. New Zealand's Accident Compensation Corporation (ACC) provides coverage for accidents only—not for illnesses. For medical treatment abroad for illness, you are on your own without insurance.

For visitors to New Zealand: Travel insurance is not required for entry. However, the US State Department recommends that US citizens have medical evacuation insurance when visiting New Zealand. Medical costs for non-residents can be substantial, and evacuation from New Zealand's remote areas can be extremely expensive.

How Much Does Travel Insurance Cost in 2026?

Global Averages

Policy Type	Average Cost	Source
Basic plan (US, $5,000 trip)	$125	MoneyGeek 2026
Comprehensive plan (US)	$227–$307	MoneyGeek/Squaremouth 2026
Premium plan (US)	$345	MoneyGeek 2026
Comprehensive plan (US, 11-day trip)	$254 (~$23/day)	Squaremouth 2026
Average comprehensive plan	~6% of insured trip cost	Squaremouth 2026
Medical-only policy	~$101	PIA West 2026
Cancel for Any Reason (CFAR)	~$807	PIA West 2026

Country-Specific Costs

Destination	Average Policy Cost	Notes
USA (from UK)	£52.84	Median annual price
Canada (from UK)	£58.58	Most expensive from UK perspective
UK (from US)	~$300 per policy	$20.70/day average
Australia (from US)	~$512 per policy	26-day avg trip
Canada (from US)	~$269 per policy	$27.52/day

What Determines Your Premium?

Several factors influence what you will pay:

Age – Older travelers pay significantly more. Premiums roughly double from age 70 to 80. An 8-day Australia trip for a 70-year-old couple ranges from approximately $90 to over $300.
Trip cost – Higher insured trip costs mean higher premiums. Most comprehensive plans cost roughly 6–7% of your total trip cost.
Destination – The US and Canada are among the most expensive destinations to insure due to high healthcare costs.
Duration – Longer trips cost more but are usually cheaper per day.
Coverage level – Basic, comprehensive, and premium plans offer different limits and benefits.
Pre-existing conditions – Declaring medical conditions typically increases premiums or requires specialized policies.

What Travel Insurance Covers (And What It Doesn't)

Standard Coverage Components

Coverage Type	What It Does	Typical Limit
Emergency Medical	Covers hospital stays, doctor visits, surgery, ambulance	$100,000–$1,000,000+
Medical Evacuation	Transport to nearest adequate medical facility or home country	$100,000–$1,000,000+
Trip Cancellation	Reimburses non-refundable trip costs if you must cancel for covered reasons	100% of insured trip cost
Trip Interruption	Covers additional costs to return home early or rejoin trip	100–150% of trip cost
Baggage Loss/Delay	Reimburses for lost, stolen, or delayed luggage	$500–$3,000
Flight Delay	Covers meals, accommodation during covered delays	$100–$500 per day
Accidental Death	Pays benefit if traveler dies in accident	$10,000–$100,000
Rental Car Damage	Covers damage to rental vehicle (excess)	Varies

Recommended Coverage Limits by Destination

Destination	Recommended Medical Cover	Reason
Europe	£2 million+	High medical costs in some countries
Australia, Japan	£5 million+	High medical costs
USA, Canada	£10 million	Extremely high medical costs; one ICU stay can exhaust lower limits

Common Exclusions

Travel insurance policies do not cover everything. Standard exclusions typically include:

Pre-existing medical conditions (unless specifically declared and covered)
Travel against government advice
Pregnancy (usually covered only up to a certain week, typically 24–26 weeks)
Extreme sports and hazardous activities (unless additional coverage purchased)
Intoxication or illegal activities
War, terrorism, civil unrest (some policies offer limited coverage; others exclude entirely)
Mental health conditions (coverage varies widely)
Elective or non-urgent medical treatment

COVID-19 Coverage in 2026

COVID-19 coverage has become a standard feature of most travel insurance policies, but with important caveats:

Most travel protection plans now treat COVID-19 in the same category as other covered illnesses, as long as your plan includes coverage for sickness
Some countries require specific COVID coverage—Singapore policies purchased after 27 February 2026 require a separate add-on for COVID-19 coverage
Germany explicitly requires that policies not contain exclusions for coronavirus infections
COVID tests before your trip are generally not covered

Step-by-Step Guide: How to Choose the Right Travel Insurance

Step 1: Assess Your Risk

Before you even look at policies, ask yourself:

Where am I going? High-cost destinations like the US and Canada require higher medical limits.
What am I doing? Skiing, scuba diving, or other adventure activities require specialized coverage.
How much did my trip cost? Insure non-refundable costs you cannot afford to lose.
Do I have pre-existing conditions? You will need to declare these.
How long am I going? Longer trips increase risk and cost.
Am I traveling against any government advice? If so, your policy may be invalid.

Step 2: Understand Your Existing Coverage

Before buying a policy, check what coverage you already have:

Credit cards – Many premium cards include travel insurance if you pay for the trip with that card. Read the fine print carefully—coverage is often limited and comes with strict purchase requirements.
Health insurance – US Medicare/Medicaid does not cover overseas. Some private US health plans offer limited international coverage. Canadian provincial plans offer limited coverage abroad. UK travelers have GHIC/EHIC for EU countries.
Employer-provided coverage – Some employers offer travel insurance as a benefit.

Step 3: Compare Policies

Use comparison sites like Squaremouth, MoneySuperMarket, Compare the Market, or PolicyAdvisor to compare policies side by side. Do not simply choose the cheapest option—compare coverage limits, exclusions, and deductibles.

In 2026, the market has shifted from travelers opting for basic coverage of around $100,000** to choosing more risk-aware plans with **coverage exceeding $250,000.

Step 4: Read the Fine Print

This cannot be emphasized enough. The policy document is not optional reading. Pay particular attention to:

Exclusions – What is not covered?
Deductibles/excess – How much do you pay before coverage kicks in?
Claim process – What documentation will you need?
24/7 assistance – Is there a helpline you can call in an emergency?

Step 5: Buy Early

Buy your travel insurance as soon as you book your trip, not the week before you leave. This ensures:

Coverage for pre-trip cancellations
Coverage for events that occur before departure
Better pricing (last-minute purchases are often more expensive)

Step 6: Keep Everything

Once you have your policy, keep:

Your policy number and 24/7 assistance phone number
A digital and physical copy of your policy
Receipts for all prepaid trip expenses
Medical records and prescriptions

Common Mistakes That Invalidate Coverage

1. Failing to Declare Pre-Existing Conditions

This is the single most common reason claims are denied. Roughly 30% of travel insurers have seen increases in claims where non-disclosure was identified. If you have a medical condition and do not declare it, your claim will almost certainly be rejected.

What counts as a pre-existing condition? Any medical condition you have been diagnosed with, treated for, or are taking medication for—even if it is well-managed. Common conditions include high blood pressure, diabetes, asthma, arthritis, and high cholesterol.

The solution: Declare everything. Many standard policies cover a wide range of pre-existing conditions. For more serious or complex conditions, you may need a specialist provider. Some insurers, like Saga in the UK, offer policies with no upper age limit and cover for most pre-existing conditions.

2. Insufficient Documentation

Documentation issues account for 35–40% of rejected or delayed claims. In the travel insurance world, if it is not on paper (or a verified digital file), it did not happen.

Common documentation failures:

Missing police reports for theft
Incomplete receipts
Failure to first pursue compensation from airlines for baggage damage
No medical records or doctor's notes

The solution: Document everything. Keep receipts. Get police reports. Obtain medical records. Take photos of damaged items. Assume you will need to prove every aspect of your claim.

3. Traveling Against Government Advice

As noted earlier, traveling against FCDO advice is likely to invalidate your travel insurance. This principle applies to travelers from all countries who ignore their own government's travel advisories.

The solution: Check your government's travel advisory website before booking and before departing. If the advisory says "do not travel," your insurance will not cover you.

4. Assuming Credit Card Coverage Is Enough

Many travelers assume their credit card's travel insurance is comprehensive. It usually is not. Credit card coverage often has:

Low medical limits (often $10,000–$50,000, far below what is needed for the US or Canada)
Strict purchase requirements (you must charge all or most of the trip to the card)
Limited duration (often 15–30 days maximum)
Exclusions for pre-existing conditions
No "Cancel for Any Reason" option

The solution: Read your credit card's policy carefully. For most international trips, especially to high-cost destinations, a dedicated travel insurance policy is a better choice.

5. Buying the Cheapest Policy

The cheapest policy is almost never the best policy. Cheap policies often have:

Low medical limits (e.g., £1 million, which can be exhausted by a single ICU stay in the US)
High deductibles
Narrow coverage (fewer covered reasons for cancellation)
Limited 24/7 assistance

The solution: Compare policies based on coverage, not just price. A policy that costs $100 more but provides $500,000 in additional medical coverage is almost always worth it.

6. Not Buying Cruise or Adventure Sports Extensions

Standard travel insurance policies often exclude or limit coverage for cruises and adventure activities. A growing number of rejected claims relate to travelers failing to purchase dedicated cruise extensions.

The solution: If you are going on a cruise or planning adventure activities, purchase the appropriate extensions.

Expert Tips for 2026 Travelers

1. Consider "Cancel for Any Reason" (CFAR) Coverage

CFAR coverage allows you to cancel your trip for any reason not otherwise covered by your policy and recover 50–75% of your non-refundable trip costs. In March 2026 alone, purchases of CFAR insurance plans increased 27% due to global events.

CFAR is more expensive—the average CFAR policy costs approximately $807—but it offers unparalleled flexibility. If you are concerned about geopolitical instability, health issues, or simply changing your mind, CFAR is worth considering.

2. Check Your Destination's Specific Requirements

Some countries have specific insurance requirements that go beyond general recommendations:

Schengen Area (including Netherlands, Germany, France, Italy, Spain): Minimum €30,000 medical coverage
Cuba: Travel insurance is mandatory for all visitors
Turkey: Some visa types require insurance
Thailand: Not mandatory but strongly recommended

Always check the entry requirements for your specific destination before purchasing a policy.

3. Understand "Worldwide Excluding USA" Policies

Many "worldwide" travel insurance policies exclude the USA, Canada, Mexico, and the Caribbean by default. If you are traveling to any of these destinations, make sure your policy explicitly includes them.

4. Medical Evacuation Is Not Optional

Medical evacuation from a remote location or a country with inadequate medical facilities can cost $50,000–$200,000+. Ensure your policy includes adequate evacuation coverage. The US State Department specifically recommends that US citizens have medical evacuation insurance when traveling abroad.

5. Document Everything Before You Go

Take photos of your luggage contents. Keep receipts for valuable items. Take screenshots of flight bookings and confirmations. Store digital copies of your passport, visa, and insurance policy in the cloud. This documentation will be invaluable if you need to file a claim.

6. Know Your Policy's Claim Timeline

Most policies require you to:

Report medical emergencies within 24–48 hours
Report theft to local police within 24 hours
File claims within 30–90 days of the incident

Missing these deadlines can result in claim denial.

7. For Seniors: Specialized Policies Are Available

Standard policies often have age limits or charge exorbitant premiums for older travelers. However, specialized providers exist:

Saga (UK) offers travel insurance with no upper age limit and cover for most pre-existing conditions
Staysure (UK) offers no upper age limit and covers over 80 activities and sports
IMG's iTravelInsured Choice (US) stands out for generous medical limits, attainable pre-existing condition coverage, and lack of age restrictions

Frequently Asked Questions

1. Is travel insurance legally required?

In most cases, no. Travel insurance is not legally required for citizens of the US, UK, Canada, Australia, UAE, Singapore, Netherlands, Germany, or New Zealand traveling to most destinations. However, there are important exceptions:

Schengen visa applicants (including travel to the Netherlands and Germany) must have insurance
Canada Super Visa applicants must have insurance
Some countries (e.g., Cuba) require insurance for entry

Even when not legally required, travel insurance is strongly recommended by every government and consumer protection organization.

2. How much travel insurance do I need?

For medical coverage, experts recommend:

Europe: £2 million+
Australia, Japan: £5 million+
USA, Canada: £10 million

For trip cancellation, insure the full cost of your non-refundable trip expenses.

3. Does my credit card cover me?

Many premium credit cards include travel insurance, but coverage is often limited—lower medical limits, shorter durations, and strict purchase requirements. Read your credit card's policy carefully. For most international trips, a dedicated travel insurance policy is recommended.

4. What if I have a pre-existing medical condition?

You must declare it. Failure to disclose a pre-existing condition is one of the leading causes of claim denial. Many standard policies cover common conditions like high blood pressure, diabetes, and asthma. For more serious conditions, specialist providers are available.

5. Does travel insurance cover COVID-19?

Most policies now treat COVID-19 like any other covered illness. However, check your specific policy:

Some countries (like Singapore) require a separate add-on for COVID-19 coverage
COVID tests before your trip are generally not covered
Germany explicitly requires that policies not exclude coronavirus infections

6. What happens if I travel against government advice?

Your insurance will likely be invalidated. If your government advises against travel to a destination and you go anyway, your policy will not cover you. Check your government's travel advisory website before booking and before departing.

7. How do I file a claim?

The claim process varies by provider, but generally:

Contact your insurer immediately (within 24–48 hours for medical emergencies)
Get documentation: police reports, medical records, receipts, photos
Complete the claim form (usually available online)
Submit all documentation within the policy's time limit (typically 30–90 days)

Documentation is critical—35–40% of claims are rejected due to insufficient evidence.

8. Can I buy travel insurance after I've left?

Yes, but coverage is limited. Most policies purchased after departure cover only new incidents—not pre-existing conditions or events that occurred before purchase. It is always better to buy before you leave.

9. What's the difference between single-trip and annual multi-trip?

Single-trip: Covers one specific trip. Best for infrequent travelers.
Annual multi-trip: Covers unlimited trips within a year (usually up to 30–45 days per trip). Best for frequent travelers.

Annual multi-trip policies in the UK average around £53, making them cost-effective for travelers taking three or more trips per year.

10. What does "Cancel for Any Reason" (CFAR) cover?

CFAR allows you to cancel your trip for any reason not otherwise covered and recover 50–75% of your non-refundable trip costs. It is more expensive—average CFAR policies cost approximately $807—but offers maximum flexibility. CFAR must typically be purchased within 10–21 days of your initial trip deposit.

Conclusion

Travel insurance in 2026 is not a luxury—it is a necessity. The global travel insurance market is growing at nearly 19% annually because travelers understand that the cost of being uninsured far exceeds the cost of a policy.

Whether you are a US citizen heading to Europe, a Canadian visiting the US, a UK traveler exploring Southeast Asia, an Australian backpacking through South America, a UAE resident on a business trip, a Singaporean on a family holiday, a Dutch traveler on a Schengen visa, a German tourist in the US, or a New Zealander exploring the world, the same principles apply:

Buy early – As soon as you book your trip.
Declare everything – Especially pre-existing medical conditions.
Read the fine print – Know what is covered and what is not.
Choose adequate coverage – Especially for medical expenses in high-cost destinations.
Document everything – Receipts, police reports, medical records.
Keep your policy details handy – Policy number and 24/7 assistance number.

Travel insurance is about peace of mind. It is about knowing that if something goes wrong—a medical emergency, a flight cancellation, lost baggage, or a family emergency back home—you are protected. It is about ensuring that a dream vacation does not become a financial nightmare.

The world is open for travel in 2026. Go explore it—but go protected.

Disclaimer: This article is for informational purposes only and does not constitute financial or insurance advice. Insurance policies, costs, and requirements change frequently. Always verify current requirements with your government's foreign affairs department and read your policy documents carefully before purchasing. Information in this article is accurate as of June 2026.

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The Ultimate 2026 Travel Insurance Guide