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Top Travel Insurances for Kuwait You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Kuwait is a desert country that's well-known as a business hub with modern cities, ambitious architecture, and a blend of old and new. Although travelling to Kuwait can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Kuwait and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Kuwait Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Kuwait:

Best Travel Insurances for Kuwait

• 01. Should I get travel insurance for Kuwait? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Kuwait scroll down

Heading to Kuwait soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Kuwait?

No, there's currently no legal requirement to take out travel insurance for travel to or through Kuwait.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Kuwait or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Kuwait:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Kuwait. It lets you choose between various plans tailored to meet the specific needs of your trip to Kuwait, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Kuwait:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Kuwait? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Kuwait

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Kuwait. However, we strongly encourage you to do so anyway, because the cost of healthcare in Kuwait can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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International Health Insurance for Kuwait

For you and your family, health insurance for kuwait.

• Member support

Making access to healthcare,  simpler, easier and safer

Are you an expat based in or moving to Kuwait?

Our health insurance plans for expatriates in Kuwait were designed for people who spend long periods in Kuwait and overseas. It works much like health insurance at home: you’re not just covered for emergency treatment, but also for your diagnosis and post-treatment care.

Our Core Plans are flexible, affordable and comprehensive, covering in-patient and day-care treatments at home and abroad. Our plans also include treatment for covid-19, subject to terms and conditions.

Your cover is also subject to:

•  Policy definitions and exclusions
• Any special conditions shown on your Insurance Certificate (and on the Special Condition Form issued before the policy comes into effect, where relevant).
• Any policy endorsements, policy terms and conditions and any other legal requirements.
• Costs being reasonable and customary in  accordance with country of treatment, standard and generally accepted medical procedures. If we consider a claim to be inappropriate, we reserve the right to decline or reduce the amount we pay.

Cover is not provided if any element of the cover, benefit, activity, business or underlying business violates any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.

Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more. Cover in some countries is subject to local health insurance restrictions, particularly for residents of that country. It is your responsibility to ensure that your health cover is legally appropriate.If you are not sure, please get independent legal advice, as we may no longer be able to cover you.

The cover we provide is not a substitute for local compulsory health insurance

Digital or in-person support  around the clock

Health and wellbeing tools.

Support for mental and emotional wellbeing with apps and services such as fitness coaching, Expat Assistance Programme, Digital check-up and Wysa mind coaching app    

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Digital access to care with global telehealth hub, fitness coaching app and health and wellness hub

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Global telehealth services

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International health insurance for  kuwait, build your  plan .

Our core plan options include a comprehensive selection of in-patient benefits and day-care such as hospital accommodation, surgery, medical evacuation and much more.

All our core plans include a selection of Global Health Services that aim to improve the quality of your life.

Flexibility and choice to enhance your cover by adding any of our optional plans, such as out-patient, dental, maternity and repatriation cover.

 Provides global access to cover so you can use it in any country included within your area of cover. It is a good idea to select an area where you normally travel to or are based for work purposes.

Terms and conditions and regulatory restrictions apply.

Health insurance plans for  Kuwait at a glance

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Kuwait Care Pro

Kuwait care plus, kuwait care, global health services.

Offers access to a range of 24/7 multilingual support services as follows:

• Counselling – confidential and professional (in-person, phone, and video)
• Legal and financial referral services
• Critical incident support
• Wellness website access

Offers 24/7 access to personal security information and advice for all your travel safety queries. This includes:

• Emergency Security Assistance Hotline (not a free phone number)
• Country intelligence and security advice
• Daily security news updates and travel safety alerts 

Our Health & Wellness support program includes, for example:

• HealthSteps fitness app
• Access to wellness resources 

Manage your cover online with our app or portal 

• Submit and track progress of claims
• Access your policy documents, health services, payment details and more

Optional Core Plan Deductibles

Deductible amount  

No deductible US$610  US$1,015  US$2,025  US$4,050  US$8,100  US$13,500  

Discount on your core plan premium when you don’t add a maternity plan

0% premium discount 5% premium discount 10% premium discount 20% premium discount  35% premium discount 50% premium discount 60% premium discount

Discount on your core plan premium when you add a maternity plan

0% premium discount 2.5% premium discount 5% premium discount 10% premium discount 17.5% premium discount 25% premium discount 30% premium discount

Optional Plans

Maximum plan limit US$5,000,000

COMPARE ALL BENEFITS

Maximum plan limit US$4,000,000

Maximum plan limit US$2,500,000

Get your health cover in a few simple steps

Why choose us  , flexibility, worldwide reach, innovative partner, family-friendly solutions, let's  talk, looking for a different solution  , international healthcare plans for specific regions, short-term international health  insurance, critical illness cover  .

Coverage for pre-existing medical conditions (including pre-existing chronic conditions) depends on the medical underwriting terms you accepted.

• For policies which were fully medically underwritten, pre-existing conditions are generally covered unless we say otherwise in your policy documents.
• For policies with moratorium, pre-existing conditions are only eligible for coverage once you’ve completed a continuous 24-month period after your start date and have not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition during that time. 

For further information, please contact our Sales team .

Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:

• You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
• There will be a 24-month waiting period before claims for any pre-existing medical conditions will become eligible.
• Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
• Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
• This option is available to individuals or groups with 3 to 9 policies
• Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.

Full medical underwriting   is when we assess the insurance risk before cover starts.  This means that:

• You’ll be asked to complete a medical questionnaire for each person to be covered, telling us about pre-existing conditions when you apply.
• Pre-existing conditions may not be covered (or there may be a surcharge to cover pre-existing conditions). Members will be asked to complete an application form disclosing their medical history before cover starts. Our underwriting team will then assess the information and decide if we are able to offer cover for medical conditions disclosed on the form.
• Claims process is shorter because we already know if pre-existing conditions are covered.
• This option is available to individuals or groups with 3 to 9 policies.

Find out more

Most of our contracts are for one year – but we have a short-term plan to suit members who need International Health Insurance for less than a year.

For all products, there is a 30 day cooling off period from the start date. After this, the policy may not be cancelled until renewal, regardless of whether a monthly or annual payment frequency is chosen. For more information please contact our dedicated sales team on +353 1 514 8480 .

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We would like to welcome you to our website and thank you for your interest in our company. In 2000 we have introduced Takaful Insurance Solution to Kuwait market. As first takaful operator, we were very keen to meet the Commercial, Industrial and Individuals with best takaful products to meet their requirements.

We strive to serve our policyholders needs in this increasingly technological world. We continue to integrate technology and improve our operating efficiencies, but we are committed to personalized service. If you are a policy holder, we thank you for your trust in us. If you are looking for an insurance company, we hope you give us a chance to provide you with peace of mind, knowing that we will be here for you when a Claim hits. We are proud of our achievements and look forward to providing customer service which exceeds our policy holders’ expectations for a long time to come.

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International Health Insurance in Kuwait

The compact Middle Eastern nation of Kuwait draws expats from across the globe, with a prosperous and fast-growing economy, warm weather and high living standards. Indeed, over two thirds of the population of this desert nation are foreign nationals.

With so many non-native individuals making their home here, you’ll be in good company if you decide to move to Kuwait for work or business. However, as a non-citizen, you won’t be able to access the state-funded healthcare. This makes having health insurance in Kuwait a necessary part of your planned life here.   With expat medical insurance, you’ll be safeguarded against any unforeseen expenses or high bills should you need to access healthcare while you’re here. Backed by the knowledge your future is protected, you’ll be free to make the most of your new life in this exciting nation.

How does the healthcare system work in Kuwait?

Kuwait has an extensive public healthcare system paid for via taxation. State-funded healthcare is available to all Kuwaiti passport holders. For non-citizens, there is a publicly available insurance scheme that helps with the costs of using the same service. Private healthcare operators, hospitals and insurance companies all operate in the Middle Eastern nation, giving expats and business travellers additional options if they can’t access the local system.

Read our guide to life in Kuwait

Pros and cons of using Kuwait's local healthcare system

• Access to specialist hospitals, mental health services and 24-hour care is all free at the point of use for locals, or reduced in price for non-citizens.
• Expats are discouraged from using the public system in some cases and may find longer queues and extended wait times as hospitals prioritise Kuwaiti nationals.
• Use of the public system requires expats register with a local insurance scheme to enable access at a reduced cost.
• The state scheme cannot be used at private care facilities. So, if you’re an expat wanting to access a private hospital, you’ll need full insurance.
• Ambulances are rare and reserved for absolute emergencies. In most cases, you’ll be required to make your own way to hospital.

The difference between public and private healthcare in Kuwait

How can international health insurance help you in kuwait.

Medical insurance is an essential component of expat life in Kuwait. With the way healthcare access works for foreign nationals here, it’s important that you protect your health with a comprehensive insurance package. Doing so will open access to private hospitals, faster service and lower wait times.

Choosing your international health insurance

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Cigna Global Health Options Plans

Worldwide or worldwide excluding USA cover

Annual benefit limit

• Evacuation and Crisis Assistance Plus™
• Health and Wellbeing
• Vision and Dental

Core hospitalisation cover overview:

• Annual benefit limit: $1,000,000
• Inpatient and daypatient treatment
• Private room
• Full cancer care
• Newborn care cover
• Annual benefit limit: $2,000,000
• Inpatient Maternity

Paid in full

• Annual benefit limit: Paid in full
• Mental and Behavioural Health care paid in full

Cigna Close Care℠ Plan

Country of residence + Country of nationality

• Outpatient and Wellness Care
• Dental Care and Treatment
• Annual benefit limit: $500,000
• Condition limit: $250,000
• Semi-private room

Why choose Cigna Healthcare for health insurance in Kuwait?

We can help you choose an international health insurance plan that fits your lifestyle. With a range of options available, our insurance package will have you all set for expatriate life.

• Access the healthcare you need without the restrictions placed on expats.
• Navigate the national system with the help of local experts and multilingual staff.
• Priority support and treatment from leading national and regional medical staff.
• 24/7 access to our Customer Care Team, wherever you are.

What are the major health concerns in Kuwait?

Kuwait’s hot climate can present a problem for some expats, especially if you aren’t used to particularly high temperatures in your home nation. Sunburn, heat rash and heatstroke can all be a concern for those not used to the desert heat.

Can expats use public facilities on their private healthcare?

Yes, you can use public medical services using your private cover. However, the reverse is not true. If you pay into the national public scheme, you will not be able to access private facilities.

How much does private medical insurance cost in Kuwait?

The price of your medical insurance will differ depending on your personal circumstances and requirements. Your health needs, pre-existing conditions, age and employment will all affect the final price of your package. You can also add a range of extras and additional coverage with Cigna Healthcare, which will alter the total price.

Travel Insurance

Have a worry-free journey!

About travel insurance.

Travel Insurance policy helps cover the insured in the event of a sudden and unexpected sickness or accident arising when the insured is outside of his Country of Residence.

With NLG’s travel insurance policy, you can travel with a peace of mind without worrying about COVID-19, accidents or emergencies arising during your journey.

GET A FREE TRAVEL INSURANCE QUOTE

Main Covers:

Travel insurance plans in Kuwait are designed to meet all your travel needs covering COVID-19 for individuals and families. We offer cover for:

• Emergency medical expenses
• Emergency medical evacuation
• Repatriation to the country of residence
• Emergency dental care expenses
• Baggage delay/loss
• Flight delay or cancellation/curtailment
• Loss of passport

For more details on various benefits offered, check our table of benefits below.

How to Buy?

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Fill the form, who are not eligible to buy a travel insurance policy in kuwait:.

• Persons aged from 76 years old and above, except in case a specific Plan including such Cover for persons aged from 76 years and above are contracted.
• Non-residents.
• Those who have initiated the trip prior to the insurance underwriting.
• Insured travelling for work reasons (paid or otherwise), undertaking physical or manual hazardous activities.

Validity of a Travel Insurance Policy:

A travel insurance policy is valid for a single return trip, i.e. beginning and ending in the Country of Residence.

Insurance is effective from the date of issue of the insurance certificate and terminates on commencement of the trip.

The policy shall also cease with whichever occurs first from the following:

• The expiry of the policy period as shown on the insurance certificate;
• The Insured’s first return home to the Country of Residence, at the end of the trip;
• The Insured’s first return to his Country of Residence prior to the planned return at the end of the trip

Policy Exclusions:

This policy does not cover claims for any medical services arising from a pre-existing medical condition.

No claims under this policy will be paid where the Insured:

• is travelling against the advice of a physician; or
• is receiving, or on a waiting list for treatment, or waiting the results of medical tests or investigations for medical treatment declared by a physician; or
• is travelling for the purpose of obtaining treatment; or
• has received a terminal prognosis for a medical condition.

Why National Life & General Insurance Co. SAOG (NLG)

• Competitive rates
• Quick Policy issuance
• Swift and easy procedures
• Quick claims processing and settlement

How to Submit your Claim?

For non-emergency medical and all other claims, you will need to complete a claim form as soon as possible after the incident has occurred or within 4 months of your return to your Country of residence.

The completed claim form, together with original invoices, proof of ownership, travel documents and any other relevant details must be sent to Swan International Assistance-Mutual.

Refer to the Travel Insurance Policy wordings for further details

Related Articles

Why Do You Need Covid-19 Protection in Your Travel Insurance?

Travel insurance ensures a worry-free journey. It ensures financial protection in case of medical emergencies abroad and also helps in the event of flight cancellation, loss of baggage, and passport…

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Kuwait Travel Insurance

Embarking on a journey to Kuwait demands careful consideration of your insurance needs. That’s where our company steps in, offering a range of coverage options to suit your specific requirements. Whether you’re exploring the vibrant culture of Kuwait City or conducting important business meetings, our insurance plans ensure you’re protected against unforeseen events. From medical emergencies to trip cancellations, our April travel insurance services have you covered every step of the way. Travel with confidence knowing that we prioritize your safety and security throughout your time in Kuwait.

Understanding Kuwait As A Travel Destination

• Cultural Insights:  Kuwait boasts a rich cultural tapestry, blending tradition with modernity. Respect for local customs and traditions is crucial for an enriching travel experience.
• Popular Attractions:  From the iconic Kuwait Towers to the vibrant Souq Al-Mubarakiya, the country offers an array of attractions that cater to diverse interests, ensuring a memorable journey for every traveller.

Types of Travel Insurance Available in Kuwait

When considering Kuwait travel insurance, it’s essential to understand the various coverage options tailored to meet your specific needs:

• Health Insurance: Ensures access to quality healthcare services in Kuwait, covering medical expenses arising from illness or injury during your stay.
• Trip Cancellation Insurance: Provides reimbursement for non-refundable trip expenses in case of unexpected cancellations due to covered reasons such as illness, natural disasters, or other emergencies.
• Baggage and Personal Belongings Insurance: Protects your belongings against loss, theft, or damage during transit, offering peace of mind throughout your journey.

Key Factors To Consider When Choosing Kuwait Travel Insurance

• Coverage Limits and Exclusions: Review the policy details carefully to understand coverage limits and exclusions, ensuring comprehensive protection during your travels.
• Medical Coverage Abroad: Verify whether the insurance plan offers sufficient medical coverage abroad, including emergency medical evacuation if needed.
• Comparative Analysis of Insurance Providers in Kuwait: Before purchasing Kuwait travel insurance, compare the premium costs and coverage options offered by different insurance providers in Kuwait to find the best value for your money.
• Premium Costs: Consider the affordability of premiums while ensuring the policy provides adequate coverage for your travel needs.
• Coverage Options: Evaluate the range of coverage options available, including additional benefits such as trip interruption coverage or rental car insurance.

best places to visit in kuwait

Kuwait city.

Kuwait City is the capital and largest city of Kuwait. Located at the heart of the country on the south shore of Kuwait Bay on the Persian Gulf, it is the political, cultural, and economical center of the nation.

This city has a lot to offer to visitors. Starting from the slender Kuwait Towers, ending with the massive Grand Mosque of Kuwait and covering everything in between, Kuwait City has plenty of attractions. Markets, mosques, cafés, restaurants, parks, and museums are all options for those who want to immerse themselves in the culture of the country and enjoy the exciting vibe of this city.

Kuwait Zoo , established in 1968, is a zoo located in Farwaniya, Kuwait. The zoo suffered extensive damages during the 1990 Iraqi Invasion, however, most of the maintenance work has been finished, and the zoo reopened.

The zoo is around 180,000 m 2 in area and is divided into four major sections. With over 1606 animals that include dangerous species as well, this is a place that ensures it all. In fact, there are a number of rare birds at the Kuwait Zoo that have been categorized into five different units and each category has a staggering 12 different species. Interestingly, as the authorities put it themselves, the purpose of the park is to educate children about the different animals and how they are or should be treated.

Frequently Asked Questions (FAQs)

1. What Does Travel Insurance Typically Cover? Travel insurance typically covers medical emergencies, trip cancellations, baggage loss, and other unforeseen events depending on the policy terms and coverage limits. 2. How Far in Advance Should I Purchase Travel Insurance? It’s advisable to purchase Kuwait travel insurance as soon as you book your trip to ensure coverage for any unforeseen events leading up to your departure. 3. Can I Extend My Coverage While in Kuwait? Some insurance providers may offer the option to extend coverage while in Kuwait, subject to policy terms and conditions. 4. Are Pre-Existing Medical Conditions Covered? Pre-existing medical conditions may be covered depending on the policy terms and exclusions, so review the policy details carefully before purchasing. 5. How Do I File a Claim if Needed? In case of an emergency or covered event, contact your insurance provider immediately to initiate the claim process and follow their instructions for documentation and filing procedures.

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Leave your worries ashore and comfortably explore the waters that sailors would not want to ignore.

Whether it's a short trip or an extended journey, for leisure or business, our travel insurance policies provide a wide range of coverage. Focus less on concerns and more on enjoying the unique aspects of your travels.

True safety measures are often a result of undesired disruptive events; which can carry an uncalculated financial impact that may add to the extremity of the event. Our PA policies specialize in providing a financial shield to unforeseen events which can culminate at the level of injury.

Your health is your true wealth, our medical insurance helps you in keeping it maintained through a financial cover as you explore most of Kuwait’s extensive private medical care providers.

Smart Home Insurance Bundle is a special & smart package designed for homeowners & tenants to provide coverage for their owned home or rented apartment and its contents to enjoy peace of mind & security every Home Owner and/or Tenant deserve.

Takaful Life

During dire life situations, things change, whether its death or disability, they are all difficult timeframes that are to explain, our range of life products can assist you or your beneficiaries to get through these difficulties.

GIG-Takaful is emerging as the leading Islamic insurance provider in the Kuwaiti market. We believe that diversity and inclusion are critical to our future and mission – creating a foundation for a creative workplace that leads to innovation and growth. Our commitment lies in providing responsive, capable and exceptional service to our customers. As a customer-centric organization, we acknowledge that our contributors form the cornerstone of our business and are of utmost importance to us.

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We always are in constant pursuit of excellence; we achieve business targets and strive to exceed our client’s expectations to be the preferred Takaful Insurance Partner.

Gulf Takaful Insurance Co.K.S.C.C is a leading provider of Takaful Insurance, serving variety of industries at the highest standards, fairness, by providing transparency, optimal reliable and innovative insurance solutions.

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Gulf Takaful Insurance Company K.S.C.C. was incorporated as a closed Kuwaiti shareholding company on 6 September 2004 and is registered in the commercial register under number 104519 dated 28 November 2004.

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GIG-Kuwait provides you with a wide range of individual and family medical insurance policies, all of which have unparalleled ideal medical coverage to suit your needs. This coverage guarantees the necessary medical care in terms of accommodation, treatment and all health needs, in order to provide you with peace of mind and a sense of security when you need insurance coverage comprehensive health. Providing the necessary protection for you and your families is a key part of our insurance programs, as we designed unique insurance policies so that you have the absolute freedom to go directly to any doctor or hospital you choose within the provided medical network. With GIG-Kuwait, without a doubt, you will feel peace of mind and guarantee the best medical insurance for you and your family.

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Kuwait Travel Insurance

Travel Insurance for Kuwait

Buy Tata AIG Kuwait Travel Insurance from India at just ₹45.50 per day*

“The world is a book, and those who do not travel read only one page.”

These wise words from St. Augustine resonate with the spirit of exploration, and what better destination to embark on an adventure than Kuwait?

A fusion of tradition and modernity, Kuwait invites you to a land where ancient history meets contemporary allure, promising a journey filled with captivating stories.

Yet, while discovering Kuwait's wonders, having a reliable travel plan is prudent. Unforeseen circumstances can arise, and a comprehensive travel insurance policy becomes your safety net, allowing you to revel in the experience without worrying about the unknown.

Enter Tata AIG, your trusted travel companion. With tailored policies that cater to the nuances of your journey, Tata AIG ensures that your Kuwait travel is memorable and secure.

Whether you are captivated by the cultural gems of Kuwait City or the tranquillity of its Gulf shores, let Tata AIG's travel insurance be the key to unlocking a worry-free and fulfilling adventure in Kuwait. You can compare travel insurance plans online on our website and pick the one that best suits your travel needs for Kuwait.

Kuwait Travel Insurance from India

Embarking on a journey from India to Kuwait? Ensure a worry-free adventure with travel insurance – your ticket to peace of mind. With its unique blend of tradition and modernity, Kuwait is a captivating destination, but unforeseen events can disrupt your plans. That's where travel insurance becomes crucial.

A travel insurance plan acts as a safety net, covering unexpected situations like medical emergencies, trip cancellations, or loss of belongings. Imagine exploring Kuwait's cultural treasures or enjoying its scenic beauty without the burden of worrying about what might go wrong.

Medical expenses can be hefty abroad, and a travel insurance plan ensures you receive necessary healthcare without straining your finances.

Additionally, trip cancellations or delays can be a significant setback, but with the right coverage, you're protected from unexpected disruptions.

So, Tata AIG’s travel insurance Kuwait online is your right companion, allowing you to focus on creating memories rather than dealing with unexpected challenges. Whether you are drawn to Kuwait's bustling city life or its serene landscapes, don't forget to secure your journey with us – a small investment for a worry-free and enjoyable experience in the heart of Kuwait.

Why Do You Require Travel Health Insurance in Kuwait from India?

While Kuwait's beauty beckons, it's wise to consider travel health insurance. Imagine wandering through Kuwait City's cultural gems or enjoying the calm of the Persian Gulf without worries.

Navigating medical emergencies in Kuwait is smoother with the shield of medical travel insurance. Picture this: you are exploring Kuwait's vibrant culture, and suddenly, a health concern arises. With medical travel insurance, you have a reliable safety net.

Healthcare costs in Kuwait can be steep, but your medical expenses are covered with insurance. This means you can focus on getting the care you need without worrying about the financial strain.

Whether it is a sudden illness or an unexpected injury, having medical travel insurance ensures you receive quality healthcare without breaking the bank.

Moreover, Tata AIG travel medical insurance Kuwait plans usually include assistance services, helping you find reputable medical facilities and arranging necessary transportation if required. This support is invaluable in a foreign land, providing financial coverage and a helping hand during a potentially stressful situation.

So, as you plan your journey to Kuwait, consider the peace of mind that comes with medical travel insurance – and assurance that your health is in good hands, allowing you to explore with confidence and enjoy the wonders of Kuwait worry-free.

Benefits Offered by Tata AIG’s Best Travel Insurance for Kuwait

For those venturing on their inaugural trip to Kuwait, the query of whether travel insurance is essential often arises. Such a policy is not obligatory. However, opting for one is highly recommended for its extensive coverage tailored to diverse needs.

Baggage Coverage: Tata AIG's luggage coverage proves invaluable if your checked-in luggage faces issues during transit or experiences delays at connecting airports en route to Kuwait. This feature ensures reimbursement for the total cost of items within your checked-in luggage, contingent on your chosen coverage level.

Medical Coverage: At the core of Tata AIG's Kuwait travel insurance is robust financial support during unforeseen medical emergencies. Whether illness strikes or an accident necessitates hospitalisation, our coverage ensures you are protected.

Trip Coverage: Our Kuwait travel insurance from India encompasses provisions for passport loss, travel delays, cancellations, and even hotel cancellations.

Flight Cancellation Insurance: The policy provides coverage against specified uncertainties leading to flight cancellations, as outlined in the policy wording.

Local Journey Assistance: Navigating unfamiliar terrain becomes less daunting with this assistance, offering a lifeline during unforeseen challenges.

Personal Liability Coverage: Safeguarding against unforeseen legal obligations, this coverage preserves your financial well-being.

Beyond these primary benefits, Tata AIG’s Kuwait travel insurance unfolds with supplementary perks:**

Affordability: Starting from just ₹45.50 per day*, our international Kuwait travel insurance online offers comprehensive coverage without breaking the bank.

Convenient Online Purchase: Buying travel insurance on Tata AIG’s website is a streamlined process that does not necessitate a complete medical examination.

Flexible Currency Options: Kuwait travel insurance cost with Tata AIG is absolutely affordable. Also, the best thing is that you can pay your travel insurance premiums in Indian National Rupees, enhancing the convenience of securing coverage for your Kuwaiti journey.

Easy Navigation: Explore our travel insurance plans effortlessly with our online premium calculator. Find the plan that precisely caters to your needs.

As you prepare to explore the wonders of Kuwait, ensure you have the best travel insurance for the country. Tata AIG's comprehensive benefits provide financial security and peace of mind throughout your journey.

Kuwait Visa and Entry Information

A visa is a mandatory requirement for all visitors to Kuwait, with the exception of GCC nationals, who enjoy the privilege of entering and residing in Kuwait without undergoing specific formalities. However, Indians do not need to apply for a Schengen visa to travel to Kuwait. Hence, if you were thinking about whether or not you need travel insurance for a Schengen visa in Kuwait, the answer is no!

For nationals from various countries, the option of applying for a Kuwait Visa online (e-visa) is available. The online application process is straightforward, involving a series of basic questions. Expatriates residing in GCC countries, regardless of their citizenship, are also eligible to apply for e-visa in Kuwait.

Before the introduction of the e-visa system in Kuwait in 2016, visitors had to make embassy visits, consulate trips, or be at the border points to obtain a visa. The advent of the e-visa has streamlined this process, although other types of Kuwait Visa procedures still exist.

Once the online Visa application form is submitted, a copy of the visa is emailed to the applicant. Visitors can present this visa copy and their passport to the relevant authorities at the Kuwaiti border to enter Kuwait.

For citizens of non-GCC countries, certain nations, including all European Union members, Australia, Canada, India, the United States, and others, either qualify for a visa on arrival in Kuwait or can opt for an e-visa before their arrival. This flexibility simplifies the entry process and enhances the overall travel experience for visitors from these countries.

Normal or Schengen Travel Insurance Kuwait Requirements - Essential Documents for Travelling to Kuwait from India:**

Kuwait travel insurance requirements should be taken into account while applying for a Kuwait visa online from India successfully. These include:

Valid Passport or GCC Resident Card: An essential prerequisite is a valid Indian passport with a minimum validity of 6 months. Also, if you are a resident of a Gulf Cooperation Council (GCC) country, you can use your GCC resident card with a minimum validity of 6 months.

It's important to note that even if you possess a temporary travel document, a valid Indian passport is mandatory for travel from India to Kuwait.

Proof of GCC Residency: For GCC residents, the GCC card must explicitly indicate that you have been residing in a GCC country for a minimum of six months. This residency requirement ensures that the applicant has a substantial connection with the GCC region.

Passport-size Photographs: Submission of passport-sized photographs is a crucial component of the application process. These photographs should feature clear visibility and be taken against a white background, meeting the specified guidelines for accurate documentation.

Meeting these document requirements is integral to a successful and hassle-free online application for a Kuwait visa from India. It ensures that all necessary information is provided, facilitating smoother visa application processing.

Kuwait Visa Application Process from India

The Kuwait visa application process is straightforward, especially when applying for an e-visa from India.

Here's a simple breakdown of the steps involved:

Step 1: Fill out the Application Form

Begin by completing the application form properly, ensuring you provide accurate details about your passport, personal information, and the specifics of your trip to Kuwait. This form serves as the initial step in initiating the visa application process.

Step 2: Submit Necessary Documents

After filling out the application form, you will be required to submit a biometric page of your passport along with any other essential documents. This step is crucial to verify your identity and process your visa application effectively.

Step 3: Receive and Print Your e-visa

Your e-visa will be delivered to your email inbox after completing the application process. Download the e-visa from your email and print a copy. Remember, on the day of your entry into Kuwait, you will need to get the visa stamped for validation.

By following these simple steps, you can efficiently apply for a Kuwait visa online from India, ensuring a smooth and organised process for your upcoming journey.

The Indian Embassy in Kuwait

Currency and foreign exchange.

The official currency of Kuwait is the Kuwaiti dinar (KWD). It is subdivided into 1,000 fils. The Kuwaiti dinar is the world's highest-valued currency unit, with an exchange rate of approximately 3.3 US dollars per KWD as of November 2023.

The Kuwaiti dinar was introduced in 1961, replacing the Indian rupee, which had been used in Kuwait since the late 18th century. The dinar was initially pegged to the British pound sterling but later pegged to the US dollar in 1975.

For the most current exchange rates of INR to KWD, refer here.

[Note: Compare the exchange rates offered by different exchange bureaus before you exchange your money. Also, beware of the fees charged by the exchange bureau. Some exchange bureaus charge a commission, while others charge a spread between the buy and sell rates.]

Best Time to Visit Kuwait

For the finest experience of Kuwait's warm hospitality and remarkable culture, it's advisable to steer clear of the intense summer heat. The ideal times to explore Kuwait are during spring, from March to May, or in autumn, primarily between September and October.

These seasons, namely autumn and spring, offer the most pleasant weather for exploring Kuwait's coastline and beaches. By planning your visit during these periods, you can make the most of your journey, enjoying the comfortable temperatures and avoiding the extreme heat of summer.

So, for a delightful experience of Kuwait's charm, consider planning your trip during these favourable seasons.

Top Things to Do/Experience in Kuwait

Discover the vibrant offerings of Kuwait with these top-notch activities and visit these places for the most unforgettable trip:

Bask in Coastal Splendor

Immerse yourself in the sun-soaked beauty of Kuwait's magnificent beaches, where golden sands meet the azure waters of the Persian Gulf.

Climb the Kuwait Tower

Marvel at the panoramic views of the city from the iconic Kuwait Tower, a symbol of modern architecture.

Visit the Grand Mosque

Find serenity at the Grand Mosque of Al-Masjid Al-Kabir, a testament to Kuwait's spiritual and architectural grandeur.

Take a Journey through Kuwait's Art and History

Embark on a cultural voyage by visiting various museums that unveil the rich tapestry of Kuwait's art and history.

Pay a Visit to Hawalli

Dive into the lively atmosphere of Hawalli, where bustling markets and local charm create a memorable experience.

Shop at the Souk Al-Mubarakiya Flea Market

Indulge in a shopping spree at Souk Al-Mubarakiya, a vibrant flea market offering a treasure trove of local goods and souvenirs.

Kuwait Trip: Safety and Precautions

Embarking on a journey to Kuwait promises an enriching experience, but ensuring your safety is paramount. Kuwait takes pride in its low crime rates, but certain precautions are essential like any destination.

Here are key safety measures to ensure a secure and enjoyable exploration of this culturally rich nation:

Low Crime Levels

Kuwait boasts very low crime levels, and violent crimes against travellers are extremely rare.

Respect Local Traditions

As a tourist, it is crucial always to respect local traditions, customs, laws, and religions. Be mindful of your actions to avoid offending other cultures or religious beliefs, especially during the holy month of Ramadan or in religious areas.

Caution with Driving

Avoid driving yourself in Kuwait, as the driving standards are poor, and there is a general disregard for road rules and signals. Hiring a driver or using a reliable local taxi service is recommended to ensure a safer journey.

High Traffic Accident Rates

Kuwait faces one of the highest traffic accident rates globally. Exercise caution on the roads, even though they are well-maintained. Adhere to safety measures and remain vigilant while travelling.

Unexploded Munitions Awareness

Be cautious of unexploded munitions, including landmines, in rural areas, beaches, and recreational sites. Stick to well-travelled roads and avoid picking up metal or plastic objects, as there have been reports of injuries.

Swimming Precautions

Swimming in the sea off Kuwait City is not recommended due to a past incident where untreated sewage was released into the sea. Despite corrective measures, avoiding swimming in this area is advisable to ensure your safety.

Kuwait – Fast Facts

Is travel insurance mandatory for Kuwait?

While not mandatory, having travel insurance is highly advisable to safeguard against unexpected challenges, ensuring a smooth and secure travel experience in Kuwait.

What does Tata AIG's travel insurance cover for Kuwait?

Tata AIG's travel insurance offers comprehensive coverage, including medical expenses, trip cancellations, loss of belongings, and assistance services, ensuring a worry-free exploration of Kuwait.

What is the cost of Tata AIG's travel insurance for Kuwait?

The cost of Tata AIG's travel insurance starts from just ₹45.50 per day*, providing affordable yet comprehensive coverage for your travels to Kuwait.

*You can talk to our insurance experts to know more about the cost of your tailored insurance plan for Kuwait from India.

Are there flexible payment options for Tata AIG's travel insurance premiums?

Yes, Tata AIG offers flexible currency options, allowing you to pay your travel insurance premiums in Indian National Rupees and enhancing the convenience of securing coverage for your Kuwait trip.

Disclaimer:

All the information mentioned above is well-researched and sourced from reliable sources. Since this information is subject to change, it is advisable to check the latest travel guidelines and other location-specific information before planning a trip to any location.

*Subject to change based on the nature and extent of the coverage.

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Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

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Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

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What type of coverage do you need?

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

• Flights / Airfare
• Cruises / Excursions

Travel Medical Insurance

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

Popular Plans

International health insurance.

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

Travel Insurance

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

Enterprise Services

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

What type of organization do you represent?

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

Medical & Travel Assistance

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

Global Workers' Compensation Case Management

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

Security Assistance Services

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

Insurance Administrative Services

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

See Prices & Compare Our Travel Medical Plans

T ravel Medical Insurance protects you in the event of an illness or injury when traveling outside of your country of residence. It provides key medical benefits in case of an emergency.

Traveling abroad is an exciting experience, but unpredictable illnesses and accidents can happen. Even worse, the resulting medical bills can be overwhelming. The level of international medical coverage provided by your domestic insurance provider can vary greatly depending on your plan, so you may have very limited coverage or no coverage at all. A travel medical insurance plan can provide the coverage you need. For more information, check out our blog: " How to Choose the Best Travel Medical Insurance Plan ."

Travel medical coverage is ideal for:

• International vacationers
• Relatives visiting from overseas
• People going on cruises, safaris or guided tours
• International business travelers
• Students studying abroad

International Medical Group ®  (IMG ® ) also offers travel insurance  that protects your health as well as your trip costs and travel expenses. And if you need long-term medical coverage, check out our  international health insurance . IMG plans include a wide range of medical benefits, protection, and support should a problem arise.

Popular Travel Medical Plans Ideal for Traveling Outside of Your Home Country

Patriot Platinum Travel Medical Insurance

Temporary first-class health insurance for individuals, families, and groups

• COVID-19 coverage for travelers to the U.S.
• Coverages for inside and outside the U.S. ( Patriot America Platinum / Patriot International Platinum )
• Short-term travel medical coverage
• Coverage for individuals, groups, and their dependents
• Higher Limits & More Coverage than Patriot Lite Travel or Patriot Plus
• Freedom to seek treatment with hospital or doctor of your choice

Summary of Benefits

iTravelInsured Travel SE

• Family-friendly plan for domestic and international destinations
• Trip cancellation maximum benefit up to 100% of trip cost
• Trip interruption maximum benefit up to 150% of trip cost
• Up to $125 per day per person to a maximum benefit of $2,000 for trip delay
• $500,000 maximum benefit for medical evacuation and repatriation of remains

Plan Benefits

The iTravelInsured Travel SE program is our most popular plan for domestic and international destinations. Travel Insurance benefits are available whether traveling on a cruise, tour or vacation abroad.

Patriot America Plus

Temporary health insurance for non-U.S. residents traveling to the USA

• Coverage for inside the U.S.
• Made for individuals, groups, and their dependents
• Coverage for Acute Onset of Pre-Existing Conditions*

Additional Travel Medical Insurance Plans

Patriot Lite Travel Medical Insurance

Temporary health insurance for individuals, families, and groups when traveling outside of your home country.

Visitors Care

Temporary fixed coverage health insurance for non-U.S. residents when traveling outside of your home country.

Student & Scholar Insurance

Student health insurance plans tailored to fit the needs of international students involved in educational or cultural exchange.

GlobeHopper Senior

Temporary health insurance for travelers age 65+ when traveling outside of your home country.

Patriot Multi-Trip Travel Medical Insurance

Annual multi-trip travel medical insurance for individuals, families and groups.

Outreach Travel Medical Insurance

Temporary health insurance for missionaries and mission groups when traveling outside of your home country.

Need Extra Protection and Coverage?

Explore our travel insurance options.

Why Do I Need Travel Medical Insurance?

D epending on where you travel, you may encounter language and currency barriers that prevent you from accessing high-quality medical care. Check out IMG’s Why You Need Travel Medical Insurance Now More Than Ever to learn more about some of these challenges.

Traveling unprotected can leave you vulnerable to paying high out-of-pocket medical expenses, and navigating a foreign health care system without the assistance you need.

However, with a travel medical insurance plan, you can worry less and experience more knowing you have medical coverage and a trusted health advisor who can support you in your time of need.

Get even more information by checking out our article,  “Do I Need Travel Medical Insurance?”

How Much Does Travel Medical Insurance Cost? Less than $3 per day for an average plan.

Like other travelers, you may be wondering if the coverage is worth the cost. It may surprise you to learn that IMG’s travel medical plans can cost less than $3 per day (based on an average plan) and can provide coverage worth well beyond your initial cost. Pick a plan and get protected.

Factors that Determine Cost The cost of a plan varies based on many factors including:

Age of traveler.

Age is one of the primary factors that determines insurance rates. Each IMG plan has a complete breakdown of insurance rates based on ages that can be found in the plan brochure.

Destination

Medical expenses vary around the world. To provide the best balance of coverage and cost, plan coverage rates may be different for a traveler visiting the United States than they are for a traveler in a destination where healthcare is less expensive.

Duration of Trip

A breakdown of daily rates and monthly rates can be found in IMG plan brochures. If you need long-term coverage (1 year or more), view our international health insurance plans .

Deductible, Maximum Limit, & Additional Optional Coverage

Customize your plan by choosing the deductible amount, maximum limit, and any optional rider that is best for you.

When Is Travel Health Insurance required? Some countries may require you to purchase travel health insurance to gain entry.

Traveling to schengen countries.

Schengen countries require visa applicants to prove they have travel medical insurance to cover expenses for repatriation, urgent medical attention, emergency hospital treatment and more. Read our blog about  Countries that Require Travel Medical Insurance for Entry to learn more.

Other Situations

You may also be required to purchase travel health insurance depending on the purpose of your trip. The U.S., for example, requires those traveling on a J1 or J2 visa to maintain a certain level of medical coverage for the duration of their stay. However, if you're visiting the U.S. on a B2 visa, a travel medical insurance plan is only recommended. Find out How to Choose the Best Visitor Insurance Plan for You .

Travelers embarking on other trips — such as organized tours, working holiday schemes, mission trips, and cruises — may also be required to purchase coverage.

These are just a few reasons when you would be required to purchase Travel Medical Insurance. See the full list for 6 Times You Need to Purchase Travel Medical Insurance.

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Frequently Asked Questions

If you're planning a trip with multiple destinations, such as a vacation to Europe, you'll want to select the country that you plan on spending the most time in. Your travel medical insurance will cover you for the entirety of your trip and in countries outside of your own.

Yes, the insured does not have to be the one that fills out the application. You can purchase a travel medical plan for your parents, friends, or relatives as long as you have the necessary information.

As non-resident aliens, international students on F, J, M and Q visas (and certain family members of students) are not subject to the individual mandate for their first 5 years in the U.S. All other J categories (teacher, trainee, work and travel, au pair, high school, etc.) are not subject to the individual mandate for 2 years (out of the past six).

Since international students are not subject to the mandate, they are not required to purchase a plan that meets PPACA requirements and can purchase an appropriate IMG plan.

International Students – Exempt as Non-Resident Aliens

Under the IRS international student exemption , anyone “temporarily in the United States on an “F”, “J”, “M”, or “Q” visa for the primary purpose of studying at an accredited academic institution or vocational school (and certain family members of students), and who substantially complies with the requirements of that visa,” is exempt from being treated as a resident alien, and is therefore exempt from the individual mandate as a non-resident alien.

That exemption applies for 5 years. After 5 years, a student is no longer exempt, and the substantial presence test must be applied. See examples here .

Even after 5 years in the U.S., an international student may continue to be a non-resident alien for tax purposes under the “Closer Connection” exception if they can prove that they still have a closer connection to their home country than to the U.S.

The Individual Mandate and Alien / Non-Alien Status

The IRS provides a questions and answers page on the individual mandate. Question 11 asks whether all individuals living in the U.S. are subject to the mandate. The answer is that U.S. citizens and permanent legal residents are subject to the mandate, as are “foreign nationals who are in the U.S. long enough during a calendar year to qualify as resident aliens for tax purposes.” Thus, non-resident aliens are not subject to the individual mandate, even if they have to file a tax return.

Am I a Resident or Non-Resident Alien?

The IRS states that you are a non-resident alien unless you meet either the green card test or the substantial presence test.

Under IRS Publication 519 , Tax Guide for Aliens (the green card test), green card holders are resident aliens for tax purposes. The substantial presence test uses a formula to count the number of days present in the U.S. over the past 3 years. Generally, you a resident alien after six months of presence in the U.S. – unless you are exempt.

IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. However, since most PPACA plans do not provide the types of international benefits and assistance that travelers need, you should strongly consider purchasing an international travel medical plan such as IMG’s Patriot Lite Travel Medical Insurance for coverage while you travel outside of the U.S.

If you are a U.S. citizen, national or an “alien lawfully present” in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Exemptions include:

• Individuals not residing in the U.S.
• Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes). See Am I a Resident or Non-Resident Alien?
• Individuals with a coverage gap of less than 3 months.
• Individuals who cannot afford coverage (i.e. required contribution exceeds 8% of
• household income).
• Individuals with a religious conscience exemption (applies only to certain faiths).
• Members of a health care sharing ministry.
• Incarcerated individuals.
• Individuals with income below the tax filing threshold; and
• Members of Indian tribes

In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs.

However, please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.

IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. If you are a U.S. citizen, national or legal resident alien in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Exemptions include:

• Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes).  See Am I a Resident or Non-Resident Alien? 
• Individuals with a coverage gap of less than 3 months
• Individuals who cannot afford coverage (i.e. required contribution exceeds 8% of household income)
• Individuals with a religious conscience exemption (applies only to certain faiths)
• Members of a health care sharing ministry
• Incarcerated individuals

You will not need PPACA coverage for short-term travel to the U.S., unless you are considered an “alien lawfully present” in the U.S. See I am a Non-U.S. citizen covered under a Global Medical Insurance Plan .

In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs .

However please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.

The "Patient Protection and Affordable Care Act," commonly known as PPACA, was first introduced as a measure to deal with rising healthcare costs and numbers of uninsured.

The heart of PPACA consists of three provisions: guaranteed issue (insurers must offer coverage regardless of the applicant's health status or pre-existing conditions), community rating (insurers must offer policies within a given territory at the same price regardless of health status, age, gender, or other factors), and an individual mandate. The individual mandate assures that everyone has a minimum amount of coverage: those above a certain annual income are required to purchase coverage or incur a tax penalty; those who cannot afford it will have their coverage paid for by the government.

As PPACA continues to be implemented and challenged throughout the country, understanding the issues and implications for the international insurance industry and your business becomes all the more important.

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.  

IMG plans provide you access to more than 17,000 providers through our International Provider Access (IPA) while you're outside of the United States. Our multilingual customer service centers, claims administrators, and 24-hour emergency care coordinators are ready if the unforeseen does happen during your mission trip. 

Visitors should plan to get insurance after they plan their trip and receive their visa, but before they arrive in the U.S. The effective dates for coverage should match their visa.

If you were to suffer an injury or get sick while visiting the United States, you might be surprised by the cost of medical care. You may also be surprised by the limited assistance your domestic insurance provider can provide while you're visiting. Visitor insurance coverage in the U.S. helps to ensure that you don't incur any unforeseen expenses, receive excellent care, and get home quickly and safely if anything were to happen during your visit. 

In addition to the medical and health coverage, healthcare provider access, and other benefits you expect from IMG plans, we offer missionary-specific insurance benefits like coverage for furlough and political evacuations. See your plan befits information for more!

Once your plan is purchased and you have your plan documents, you will have the information you'll need to complete your school's waiver. 

Check with your school to get your waiver status. 

To show proof of insurance, simply download or print a copy of the ID card and/or confirmation letter and provide it to your school's program administrator.

IMG plans include customization options and add-ons, including add-on coverage for high school sports, interscholastic, intramural, or club sports, personal liability and legal assistance. 

If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying. 

This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.

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Get plan recommendations and helpful resources., government services.

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

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

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

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