Planning a trip to the country of Georgia and unsure of whether you need travel insurance for Georgia?
Well, fear not because I’m here to help!
I’m Nate Hake – a travel blogger and digital nomad who has visited Georgia multiple times – I even lived in Georgia for the summer of 2019. And I’m here to give you an honest take on finding the best Georgia travel insurance (and whether you even need it in the first place!).
Before we dive in, if you’re planning a trip to Georgia I suggest bookmarking my detailed travel guides to this incredible country:
- 11 Best Things to Do in Georgia
- My Top Places to Visit in Georgia
- Georgia Itinerary and Country Guide
- Svaneti, Georgia: Ultimate Travel Guide
Ok, got those bookmarked?
Great! Let’s dive into the riveting subject of Georgia trip insurance (don’t get too excited now…):
Georgia Travel Insurance – My Quick Take
Pressed for time and can’t read this whole article?
That’s cool. Here’s my quick and dirty take on the subject of travel insurance and the country of Georgia.
First up, let’s answer a very important question:
Do You Need Travel Insurance for Georgia?
Georgia does not typically require proof of travel insurance to enter the country (and many nationalities don’t require a visa at all for up to a whopping 365 days!). That means whether you should buy travel insurance for Georgia is ultimately a personal risk tolerance choice.
For reasons I’ll explain in this post, I personally decided to buy travel insurance for both of my trips to Georgia.
Pandemic Update: Given current world events, the case for Georgia travel insurance is stronger than ever. Unfortunately, many insurers have exclusions that make buying travel insurance right now super tricky. I highly suggest checking out my Consumer Guide to Travel Insurance During Coronavirus for a deep-dive into these issues.
What is the Best Travel Insurance for Georgia?
While there are many companies that will try to pitch you their travel insurance products, I always think it’s a good idea to shop around.
You can quickly compare hundreds of travel insurance policies for Georgia by using this nifty comparison tool that functions kinda like a search engine for travel insurance.
On my first visit to Georgia I personally used World Nomads, the biggest and most trusted name in travel insurance.
While I have always paid for my own travel insurance out of my own pocket, in full disclosure you should note that the above links are my affiliate links – so if you choose to buy Georgia travel insurance through my links, I may get a small commission (you don’t have to use my links but, if you do, thank you for supporting my trip around the world!).
As always, I highly suggest shopping around by comparing policies at this excellent travel insurance comparison site.
Is Georgia Safe for Travel in 2019?
The short answer is, yes, Georgia is generally a very safe country for international travelers.
“But what about the protests / war with Russia?”
Yes, in 2008 Georgia had a brief conflict with Russia that lasted for less than a month. To this day, Russia occupies two parts of Georgia that claim to be independent territories: South Ossettia and Abkhazia (I actually managed to travel to Abkhazia in 2017, something I still can’t believe happened sometimes).
And, yes, in 2019 there were some well-publicized but peaceful protests regarding Putin’s political interference in Russia.
Despite all of this, the truth is that Georgia today is actually pretty stable and very safe for travelers.
In fact, I’m writing this article from my apartment in Tbilisi and I can tell you that I feel safer here than in 90% of the destinations I travel around the planet.
Still, it’s always a good idea to check out the latest travel advisories for Georgia (I always check the US State Department’s advisories, as well as the United Kingdom’s official advice , though both tend to be overly cautious IMHO).
“Ok, but what about other risks? Do I need insurance for those?”
From a crime or violence perspective, the most common risks involved in travel to Georgia are the same sort of risks you face anywhere: petty theft and maybe the occasional scam (not really a big problem here, to be honest though, as the Georgian people are generally lovely).
There are definitely some insurable risks involved in traveling to Georgia though:
First, the roads in Georgia, particularly in the mountains, can be very treacherous. I wager that a vehicle accident is by far your biggest risk here.
Second, if you’re planning to hike or ski in Georgia’s mountainous regions (and, really you should – because they are gorgeous), you run all the risks that come with being in remote regions of nature: landslides, floods, avalanches, and other incidents that might require medical evacuation.
Ultimately, these are the reasons I personally chose to buy travel insurance for Georgia.
But you’ll have to make your own decision about the risks vs cost of insurance.
A Deep Dive on Whether You Really Need Travel Insurance for Georgia
Still on the fence about whether to get travel insurance for Georgia?
I feel ya.
It’s actually not that easy of a decision. Travel insurance companies make big bucks of policy premiums, and it’s never fun forking over your hard earned cash.
So with that in mind, let’s explore when travel insurance does and doesn’t make sense.
Exactly What I Look for (And What I Ignore) When Comparing Travel Insurance Policies
Travel insurance policies tend to cover a variety of different risks. Personally, I think some are total baloney while others can be worth investigating.
Here’s a quick rundown of the most common types of travel insurance coverage and how I personally approach them when comparing policies:
- Lost or Delayed Baggage – Personally, I think this common travel coverage is a huge ripoff. Airlines actually almost never lose bags (never once happened to me in hundreds of flights). And, when they do, they tend to pay out to passengers anyway. So I just ignore this. j
- Trip Cancellation and Interruption Coverage – I also don’t put too much stock in this as it usually only covers you if you have to cancel for a limited number of reasons such as a natural disaster. If you’re concerned about the political situation in Georgia, though, I guess this might matter to you.
- Accidental Death – To be clear, it would be a total, complete, and utter bummer to die. But this is a risk I personally prefer to insure through an umbrella life insurance policy and not a temporary travel insurance policy for Georgia.
- Car Rental Insurance – I’d definitely want some sort of coverage if I planned to rent a car. I don’t drive in Georgia though and, even if I did rent, my credit card has insurance that would cover me. So again, not something I really pay attention to.
- Emergency Medical – Now we are talking! This is something that matters to me a lot. Many tourists end up in the hospital while on vacation every year, and often their health insurance from home doesn’t cover them. So I pay a LOT of attention to this when shopping travel insurance policies.
- Medical Evacuation – I like to get off the beaten path and deep in nature in places like Abkhazia and Svaneti (and I’m planning an upcoming trip to Tusheti!). So I really care about this, as I want to make sure I’m not bankrupted if I have to be evacuated in a helicopter off of some mountain top after breaking my leg while hiking.
The bottom line? I focus on the medical coverages when comparing policies because those are the risks that I take most seriously.
Ready to compare travel insurance policies for Georgia?
My Travel Insurance Company for Georgia
I’ve spent two extended stints in Georgia: a few weeks in 2017, and then my current stint of a few months in 2019. Here’s what I used for my travel insurance for those trips: World Nomads.
The biggest name in travel insurance, I was covered by World Nomads during my 2017 trip as part of my annual travel insurance policy. I’ve also used them in the past for Mexico travel insurance, and Nigeria and Thailand travel insurance among other places.
Here’s what I like about World Nomads:
- Super easy to extend insurance while you’re on the road
- High emergency evacuation coverage limits (again, important in Georgia for me given the political situation and the amount of time I spend in the mountains)
- They have an adventure activities option if you’re doing any extreme sports in Georgia (though you have to upgrade to their Explorer Plan)
Note that there’s one thing I really don’t like about World Nomads: the cost.
It depends on how long your trip is, how old you are, and a few other factors, but generally speaking you’ll be paying more for this insurance.
How much will it cost? Well just use the below tool to find a quote quickly right now:
Summary: Do You Need Travel Insurance for Georgia?
Ultimately the choice of whether you want to buy travel insurance for Georgia is a personal one. I’ve bought it both times I’ve traveled to Georgia, mostly for the medical and evacuation coverages.
At a minimum I think it’s worth popping over to this quick comparison tool to compare a bunch of policies and maybe at least grab a cheap Georgia travel insurance policy just to have peace of mind.
Have a question not covered in this Georgia travel insurance guide? Scroll down and leave a comment!
Anyway, since you’re here and you’re going to Georgia, you should really check out all our Georgia travel guides.
I put a ton of time into preparing these guides, and I hope you love them!
Oh, and before you go, be sure to sign up for my email list to receive my best travel tips and state up to date with my 3 year long (and counting) journey around the world: