If you are planning a trip to Georgia, travel insurance for Georgia is now an important entry requirement for tourists. Since January 1, 2026, Georgia requires tourists entering the country to have valid health and accident insurance covering their stay.
The good news is that you do not have to buy insurance from a Georgian company. You can use a travel insurance policy purchased in your home country, as long as it meets the requirements of Georgian law.
Below you will find a clear explanation of what insurance you need, what your policy must include, whether your existing travel insurance is enough, what happens at the Georgian border, and where you can buy compliant insurance online.
Quick answer: If you already have travel insurance from your home country that covers Georgia, provides at least GEL 30,000 in health and accident coverage, remains valid for your entire stay, and includes the required policy information in English or Georgian, you normally do not need to buy another Georgian policy.
Last updated: September 1, 2026
Georgia Travel Insurance Requirements at a Glance
| Requirement | What you need |
|---|---|
| Mandatory since | January 1, 2026 |
| Type of insurance | Health and accident insurance |
| Minimum insurance amount | GEL 30,000 |
| Where the insurer can be based | Georgia or another country |
| Territory | The policy must cover Georgia |
| Validity | Your entire stay in Georgia |
| Arrival and departure days | Your policy must cover both |
| Policy language | Georgian or English |
| Accepted format | Electronic or printed |
| Border inspection | Georgian border authorities may ask to see the policy |
The requirement comes from the Georgian Law on Tourism and Government Resolution No. 602 on compulsory health and accident insurance for tourists entering Georgia.
Can I Use Travel Insurance Purchased in My Home Country?
Yes.
This is one of the most important things travelers need to know.
Georgia does not require tourists to purchase their insurance from a Georgian insurance company. Under Government Resolution No. 602, a Georgian insurer or a foreign insurance company legally authorized to provide health and accident insurance in its own country may issue the policy.
For example, if you live in Germany, France, the United Kingdom, the United States, India, Poland or another country and already have international travel insurance, there is no reason to purchase a second policy simply because you are traveling to Georgia.
However, your existing policy needs to meet Georgian requirements.
Check these things before traveling
Your policy should:
- include Georgia within its geographical coverage;
- cover both health/medical expenses and accidents;
- provide an insurance sum of at least GEL 30,000;
- remain valid from your arrival date through your departure date;
- provide documentation in English or Georgian;
- clearly identify you as the insured traveler;
- show the insurance period;
- show the covered territory;
- show the insured risks;
- show the insurance limits;
- contain the other insurance and payment information required under Georgian regulations.
If your insurer provides the documents only in another language, ask the company for an English-language insurance certificate or policy confirmation before traveling.
What if my policy is in euros, dollars or another currency?
Foreign policies obviously do not need to state their insurance limit in Georgian lari.
The value of the insurance coverage should equal at least GEL 30,000.
Because currency exchange rates change, it is sensible to have a limit comfortably above the minimum instead of purchasing insurance that is only marginally equivalent to GEL 30,000.
For example, an international policy providing €50,000, €100,000 or $100,000 of medical coverage would be well above Georgia’s minimum insurance amount, provided the rest of the policy also meets the requirements.
Does Schengen Travel Insurance Work for Georgia?
Possibly — but do not assume that it does.
Georgia is not part of the Schengen Area.
Some travel insurance policies marketed as “Schengen Insurance” cover only Schengen countries. Others provide wider European or worldwide coverage.
Check the geographical coverage written in your policy.
If your policy specifically includes Georgia, or provides worldwide coverage that includes Georgia, it may satisfy the Georgian requirement.
If the document only says “Schengen Area”, do not assume that it covers Georgia.
What About Travel Insurance Included With a Credit Card?
Credit-card travel insurance may also work, but travelers should check the documentation carefully.
Having a premium Visa, Mastercard or another bank card does not by itself prove that you have compliant insurance.
You should be able to obtain an actual insurance certificate or policy document showing the insured traveler, geographical coverage, insurance period, risks and insurance limits.
A webpage describing your card benefits is not the same thing as an insurance policy.
If you rely on credit-card insurance, download the insurance certificate before traveling and make sure your policy covers Georgia.
How Much Coverage Is Required?
The legal minimum is:
GEL 30,000
Georgian regulations set this minimum total insurance amount.
However, travelers should consider GEL 30,000 the legal minimum, not necessarily the ideal amount of travel insurance.
Travelers who already have international insurance with substantially higher medical limits do not need to reduce their coverage or buy a separate GEL 30,000 policy.
In many cases, keeping your existing international policy with €50,000, €100,000 or higher medical coverage may provide considerably better protection.
What Must Be Written in the Insurance Policy?
Government Resolution No. 602 specifies the information that the insurance documentation must contain.
The policy should contain information about:
- the parties to the insurance contract;
- the territory covered by the insurance;
- the subject of insurance;
- the beginning and end of the insurance period;
- insured risks;
- the insurance amount and limits;
- the insurance premium;
- the place and terms of payment.
You can present the policy in electronic or physical form.
For most travelers, keeping the PDF on a phone is sufficient, although saving an offline copy is a good idea in case you do not have mobile internet in Georgia when you reach passport control.
How Long Must the Insurance Be Valid?
Your insurance must cover your entire stay in Georgia.
This includes:
- the day you enter Georgia; and
- the day you leave Georgia.
For example, if you enter Georgia on September 5 and leave on September 14, your insurance should cover September 5 through September 14.
Do not purchase a policy that expires the day before your flight home.
If you decide to extend your stay in Georgia, extend your insurance as well so that you do not have an uninsured period.
Do Children Need Travel Insurance?
There is no general age exemption for ordinary tourist travel.
Parents or guardians should therefore include children traveling to Georgia in compliant insurance coverage.
A family or group insurance policy may be suitable if it clearly identifies all insured travelers and provides the required coverage for them.
Check the insurer’s age conditions carefully because some Georgian insurers use different tariffs, reimbursement percentages or conditions for older travelers.
Is Travel Insurance Required for Visa-Free Travelers?
Yes.
Visa-free entry and travel insurance are separate requirements.
Visa-free status does not by itself exempt a traveler from the compulsory health and accident insurance requirement.
What Happens at the Georgian Border?
Travelers should have their insurance ready before reaching Georgian border control.
Under Government Resolution No. 602, an authorized Georgian border official may check whether a tourist has the required insurance policy.
Georgian legislation on the legal status of aliens also lists the absence of health and accident insurance among the possible legal grounds for refusing an alien entry into Georgia.
This does not mean that a border official will ask every traveler to show a policy every time. Border checks can vary.
It does mean that traveling without compliant insurance is not worth the risk.
Can I buy insurance at the airport or land border?
Do not rely on buying insurance after reaching passport control.
There is no reason to wait until the border because several Georgian insurance companies allow visitors to purchase the policy online before arriving.
Insurance companies normally send the digital policy by email, and you can show it from your phone.
The safest option is simple:
Buy or verify your insurance before traveling to Georgia.
Buying Travel Insurance From a Georgian Company
If you do not already have suitable travel insurance, buying a Georgian visitor policy is usually straightforward.
Several licensed Georgian insurers now offer products specifically for foreign visitors.
You can usually purchase these policies online using your passport and travel dates.
Prices checked on September 1, 2026
Prices and insurance conditions can change, so always verify the final price and policy wording on the insurer’s website before payment.
| Insurance company | Visitor product | Advertised starting price | Main information |
|---|---|---|---|
| Unison | Mandatory Insurance for Incoming Tourists | GEL 1.70/day | GEL 30,000 total limit; dedicated mandatory visitor policy |
| Global Benefits Georgia | GAMARJOBA | GEL 1.90/day | Dedicated compulsory insurance for incoming tourists; another GAMARJOBA Advance option is advertised from €0.70/day |
| IRAO | Visitor | GEL 2/day | GEL 30,000 aggregate limit; special reimbursement conditions apply from age 65 |
| Imedi L | Mandatory Insurance for Visitors | GEL 2/day | GEL 30,000 aggregate limit; GEL 100 deductible applies to several covered services |
| Wizer Insurance | Mandatory Insurance for Visitors | from GEL 2/day | Online visitor insurance; minimum purchase period advertised as 3 days |
| GPI Holding | Policy Tourist | Calculated online | Online purchase; policy periods from 3 to 365 days; coverage options up to GEL 100,000 |
| Aldagi | Visitors Travel Insurance | Calculated online | GEL 30,000 coverage; deductible and non-deductible options; different tariff for travelers aged 71+ |
| TBC Insurance | Travel Insurance for Visitors to Georgia | Calculated online | Dedicated online insurance product for non-resident visitors traveling in Georgia |
| ARDI | WELCOMER | Calculated online | GEL 30,000 aggregate limit; standard and WELCOMER X-treme options; additional coverages available |
Important: Georgia currently has more licensed insurance companies than those listed above. This table includes dedicated visitor products that we verified on insurers’ current websites as of September 1, 2026. Not every Georgian insurer publicly advertises an online tourist-entry policy.
We are not affiliated with the insurers listed above and do not rank them from best to worst. We provide this list to help travelers compare available options.
Cheapest Is Not Always the Best
If your only objective is satisfying Georgia’s legal entry requirement, a basic GEL 30,000 visitor policy may be enough.
However, travelers should also think about what they plan to do in Georgia.
This is particularly important if your trip includes:
- skiing or snowboarding;
- mountain trekking;
- mountaineering;
- rafting;
- paragliding;
- horse riding;
- other adventure or high-risk activities.
A policy can satisfy the basic entry requirement while still excluding a particular activity.
Always check the exclusions.
Travelers with pre-existing medical conditions should also read the policy wording carefully, as insurers may exclude or restrict coverage for routine treatment, chronic conditions, planned medical treatment and other circumstances.
What Is a Deductible?
A deductible — sometimes called a franchise in Georgian insurance documents — is the part of an insured expense that you pay yourself.
For example, if a policy has a GEL 100 deductible per insured event, the insurer may deduct GEL 100 from the reimbursable amount.
A cheaper policy with a deductible is therefore not necessarily better than a slightly more expensive policy without one.
When comparing Georgian visitor insurance, look at both:
price + coverage + deductible + exclusions
rather than comparing the daily price alone.
What Should I Do If I Need Medical Help in Georgia?
Read your insurer’s emergency instructions before your trip.
Many Georgian travel insurance policies require the insured traveler to contact the insurance company’s assistance hotline before receiving non-life-threatening medical treatment.
Depending on the insurer and clinic, they may use one of two systems:
- the insurance company arranges or guarantees payment directly; or
- you pay the medical bill and apply for reimbursement afterward.
Keep:
- your insurance policy;
- passport or ID;
- medical reports;
- invoices;
- receipts;
- prescriptions and other documents related to treatment.
If you already have insurance from your home country, check whether it offers direct billing in Georgia or reimbursement after treatment.
Important: Travel Insurance Is Not Car Insurance
If you enter Georgia with a foreign-registered vehicle, travel health insurance does not replace the separate compulsory motor third-party liability insurance that applies to foreign vehicles you drive in Georgia.
They are two different types of insurance.
Travel insurance protects the traveler according to the health and accident policy.
Motor liability insurance covers liability connected with the vehicle.
Who Is Exempt From the Mandatory Tourist Insurance Requirement?
Under Government Resolution No. 602, the compulsory tourist insurance requirement does not apply to several specific categories, including:
- holders of diplomatic or special visas;
- holders of diplomatic, official, service or special passports;
- accredited employees of diplomatic missions, consular offices and international organizations, and accredited members of their families;
- persons whose entry into Georgia is governed by relevant international treaties or agreements;
- drivers engaged in international road freight and passenger transportation.
These are specific legal exemptions. Ordinary tourists should not assume that they are exempt simply because they are entering Georgia visa-free.
Frequently Asked Questions
Do I have to buy Georgian travel insurance?
No. Georgia accepts foreign travel insurance if it meets the country’s requirements.
I already have worldwide travel insurance. Do I need another policy?
Usually not. Check that your policy covers Georgia, includes health and accidents, provides a limit of at least the equivalent of GEL 30,000, covers your entire stay and includes the required documentation in English or Georgian.
Can I show insurance on my phone?
Yes. Georgian authorities accept electronic insurance documents.
Does the policy have to be in English?
It may be in Georgian or English. If your insurer provides the documents only in another language, obtain an English version before traveling.
Is GEL 30,000 medical insurance enough?
GEL 30,000 is the legal minimum. Travelers may choose substantially higher coverage.
Does travel insurance cover skiing or trekking in Georgia?
Not automatically. Check the individual policy’s sports and adventure-activity conditions.
Can I buy the insurance after I arrive?
You should have valid insurance when entering Georgia. Buy it before reaching border control rather than relying on purchasing it after arrival.
What if my trip becomes longer?
Extend or renew the insurance so that it covers every day of your stay.
Does travel insurance guarantee entry into Georgia?
No. Border authorities may check insurance as only one of several entry conditions. Normal immigration and border-entry requirements continue to apply.
Before You Travel: Final Checklist
Before leaving for Georgia, make sure:
✓ Your insurance territory includes Georgia
✓ Your policy covers health and accidents
✓ Your insurance amount is at least the equivalent of GEL 30,000
✓ Your policy covers both your arrival and departure dates
✓ Your name and details match your passport
✓ You have an English or Georgian policy/certificate
✓ You have saved the document on your phone
✓ You understand any deductible and major exclusions
✓ Your policy covers adventure activities if you plan to participate in them
If all of these points are in order, you should not need to purchase another policy simply because you are entering Georgia.
For more practical trip planning, see our guides to SIM cards and eSIMs in Georgia, public transport in Tbilisi, and traveling around Georgia without a car.
Information note: Georgian immigration and insurance regulations, insurer prices and individual policy conditions may change. We reviewed this guide on September 1, 2026. Travelers should check the latest official Georgian tourism requirements and the insurer’s current policy wording before traveling.