Travel Insurance for Georgia Guide

Georgia Travel Insurance | A Complete Guide [2021]

Georgia Travel Insurance
Me in the mountains of Georgia

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, recovering attorney, and digital nomad who has visited Georgia multiple times – I even lived in Georgia for and entire summer. 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!).

Here’s what we’ll cover in this article:

Great! Let’s dive into the riveting subject of Georgia trip insurance (don’t get too excited now…):

Disclosure: I am not a licensed broker and cannot choose insurance for you. Be sure to read policy terms and conditions closely before making a purchase. Also please note that this is a reader-supported travel blog, so by purchasing through my affiliate links you help support our site.

3 Best Sites for Georgia Travel Insurance Quotes

Just looking for the best sites to search for Georgia travel insurance? Here is a quick rundown of my top 3

My Top Choice
World Nomads
4.5

I personally use World Nomads (here's proof) and have for more than 50 countries.

Pros: Simple and flexible, balances price and quality, upfront transparency about covid

Cons: Not available to seniors 70+ in USA (65+ elsewhere)

Get Quote
Best Comparison Site
Travel Insurance.com
4.0

A search engine that fetches quotes from hundreds of companies. Great for comparison shoppers!

Pros: Compare hundreds of insurers, see customer reviews

Cons: Not as simple as World Nomads (detail gets overwhelming)

Get Quotes
Best for Seniors 70+
Insure My Trip
4.0

A good site for finding coverage if you can't get a quote elsewhere due to age or pre-existing conditions.

Pros: Usually finds quotes for seniors

Cons: No clearly displayed info about Covid coverages

Get Quote

Next up, let’s answer a very important question:

Is Travel Insurance Required for Georgia?

For most travelers on a tourist visa, Georgia does not require proof of travel insurance to enter the country. Travel insurance has at times been required as a condition of application for certain other visas, such as Georgia’s remote worker visa, so travelers should check the terms of their specific visa applications carefully.

Assuming you are visiting as a tourist, that ultimately means that 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.

Is it Safe to Travel to Georgia?

Map of Georgia with Disputed Territories Highlighted
A map of Georgia with the occupied territories highlighted

Many potential travelers to Georgia get put off because they wonder: is it safe to travel to Georgia?

In general Georgia is a very safe country for international travelers, and the most common risks involved involved in travel to Georgia are petty theft, automobile accidents, and issues related to covid-19. Most travelers to Georgia will visit without any incident, and in general travel safety is on par with most European countries.

Political Stability and the Conflict with Russia

Some of you may be thinking, “ok, sure, but what about the war with Russia? Isn’t Georgia an occupied country?”

And, yes, it is true that 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, there are periodically well-publicized but peaceful protests regarding Putin’s political interference in Georgia’s internal affairs.

Despite all of this, the truth is that Georgia today is actually pretty stable and very safe for travelers.

In fact, I originally drafted 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 international 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).

Covid-19 Pandemic in Georgia

The covid-19 pandemic continues to pose a significant risk for travelers to Georgia, and understandably is a top concern when evaluation travel insurance plans for Georgia. While the Georgian government has generally be well-regarded for its management of the pandemic, vaccinations have lagged in the country, which leaves it susceptible to further outbreaks (and potentially vacation-ruining lockdowns). Currently the United States State Department lists Georgia at its highest travel warning, “Level 4 – Do Not Travel.”

If you nonetheless choose to travel to Georgia during the pandemic, be sure to read the terms of any travel insurance policy closely. Many insurers will not cover many covid-related risks, such as cancellation due to lockdown. Others may even have exclusions for covid-19 treatment or testing, so consider carefully your risk tolerance.

Crime and Other Risks in Georgia

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).

Travel Insurance for Georgia - Flag against Mountains
The most dangerous thing about Georgia are these views ๐Ÿ™‚

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, and so travel medical insurance (and rental car insurance) can come in handy if you’re covered.

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. Again, something where travel medical insurance can help in case of a covered loss.

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.

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 why I personally have always opted to get insurance for my trips to the country of Georgia:

Why I Buy Travel Insurance for Georgia

View of Kutaisi from a Drone
Just putting this drone photo of Kutaisi here because I’m proud of it and it’s awesome – and you’re probably tired of hearing me drone on about insurance (see what I did there?)

Travel insurance policies tend to cover a variety of different risks, and what is covered varies greatly from policy to policy. Therefore, it is crucial to do your own research when comparing travel insurance. Here’s a quick rundown of the most common types of travel insurance coverage and how I personally approach them when comparing policies:

  • โœˆ๏ธ Trip Cancellation and Interruption Coverage – Note that trip cancellation coverage often only covers you if you have to cancel for a limited number of reasons such as a natural disaster, so you’ll want to check closely if the trip cancellation benefits in the policy you’re looking at match up to the risks you are concerned about (e.g., political or covid-19-related risks).
  • โšฑ๏ธ Accidental Death and Repatriation of Remains – It would be a total, complete, and utter bummer to die. But what make that thought even worse is realizing that it can cost a down payment on a house to repatriate remains from Georgia to the United States (my home country). That can become a huge burden for many families, especially in a time of grief. Many policies provide some sort of repatriation of remains coverage to assist in such situations.
  • ๐Ÿš— Car Rental Insurance – I’d definitely want some sort of coverage if I planned to rent a car in Georgia. I don’t drive in Georgia though and, even if I did rent, my credit card has insurance that would cover me. But I wouldn’t dare drive in Georgia without making sure I had insurance covered first.
  • ๐Ÿงณ Lost or Delayed Baggage – Honestly, airlines only very rarely lose bags (never once happened to me in hundreds of flights). And, when they do, they tend to pay out funds directly to passengers anyway. So, personally, this isn’t the most important insurance to me.
  • โš•๏ธ Emergency Medical Health Insurance – Medical expenses add up quickly, so emergency medical health insurance 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.
  • ๐Ÿš Medical Evacuation – I like to get off the beaten path and deep in nature in places like Abkhazia and Svaneti. 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. At least for me, medical evacuation is something that medical insurance back home typically doesn’t cover.

For me, personally, I focus on the health insurance and medical coverages when comparing policies because those are the risks that I take most seriously. But you should do your own research.

Ready to compare travel insurance policies for Georgia? Head on over to the Travelinsurance.com comparison tool. You might also be interested in a quote from the company I personally use for my travel to Georgia:

My Travel Insurance Company for Georgia

I’ve spent two extended stints in Georgia. Here’s what I used for my travel insurance policy for those trips: World Nomads.

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, evacuation and travel medical insurance is 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)

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, as well as insurance in Serbia, Croatia, Nigeria, Thailand, and many other places during my five plus years traveling the world full time.

Note that there’s one thing I don’t love about World Nomads: they do not offer insurance to seniors over a certain age (70+ years in the USA, 65+ years elsewhere). If you’re a senior and struggling to find insurance, I suggest checking Insure My Trip, as they seem to offer more options for seniors, those with pre existing conditions, or anyone who otherwise might have trouble getting a quote.

โœˆ๏ธ Planning a trip to Georgia? Bookmark my detailed travel guides to this incredible country:

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Ultimately the choice of whether you want to buy travel insurance for your international travel to Georgia is a personal one, and you are responsible for doing your own research and reading the terms and conditions closely. I’ve bought it both times I’ve traveled to Georgia, mostly for the travel medical insurance and evacuation coverages.

Have a question not covered in this Georgia travel insurance guide? Scroll down and leave a comment!

Oh, 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! Enjoy your trip to Georgia!

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2 thoughts on “Georgia Travel Insurance | A Complete Guide [2021]”

  1. One more consideration when making the decision: will the airline refuse to let me check in and make me buy a year of travel insurance on the spot? Happened to me a couple years ago flying with Gulf Air.

    1. Hi Ryan,

      Did that happen flying into Georgia? I’ve never heard of Georgia asking for proof of travel insurance on the spot, but would be curious to hear your experience. In any event, it certainly worth having cover anyway.

      Cheers,
      Nate

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