Travel Insurance in Georgia: Types, Costs and How to Choose

Since 1 January 2026, travel insurance has been mandatory to enter Georgia. It used to be a recommendation, and most visitors skipped it. It is now a document that can be checked both at the border and at the boarding gate.

The requirement comes from Georgia's Law on Tourism and Government Decree No. 602. Below is what exactly is required, who is exempt, and how to comply without overspending.

The insurance is not only about the law. Healthcare in Georgia is paid for foreigners; a doctor's appointment costs real money, and hospitalisation with surgery runs into the tens of thousands. The policy protects you from the hospital bill, not from the fine.

Rules and entry restrictions for Georgia, insurance policy requirements

If you are planning a trip to Georgia, you should know about the new entry rules and insurance requirements that will come into force on January 1, 2026.

Entry rules for foreigners

Visiting Georgia is quite simple: citizens of many countries, including Russia, Ukraine, Belarus, and Kazakhstan, can enter without a visa and stay in the country for up to one year. However, starting in 2026, all foreigners arriving in Georgia will need to have an insurance policy valid for the entire period of stay in the country.

Insurance policy requirements

The insurance policy must cover all medical expenses in case of illness or an accident. It is important that the insurance is valid throughout the territory of Georgia and for the entire duration of your stay in the country. If you do not have a valid insurance policy, you may be denied entry to the country.

In addition, it is recommended that the policy includes COVID-19 coverage, even though pandemic-related restrictions have been lifted. This is necessary in order to avoid possible difficulties if you become ill during your trip.

Do not forget that having insurance is not only a legal requirement, but also your personal safety and peace of mind while traveling.

Cost of an insurance policy for a trip to Georgia and a rating of insurance companies

Overview of insurance policy costs

The cost of an insurance policy for a trip to Georgia can vary depending on the length of the trip, the amount of coverage, and the company you choose. On average, a basic policy covering essential medical services can cost from several tens to several hundreds of dollars for the period of stay in the country. Broader coverage, including accident insurance, may cost more.

Recommendations for choosing an insurance company

When choosing an insurance company for a trip to Georgia, it is worth paying attention not only to the price of the policy, but also to the company’s reputation, customer reviews, and the speed of response when an insured event occurs.

Here is a list of some popular insurance companies in Georgia that you may consider:

1. INSURANCE COMPANY GPI HOLDING, JSC – one of the largest insurance companies in Georgia, known for its reliable services.
2. Insurance Company Aldagi, JSC – a company with many years of experience, offering a wide range of insurance products.
3. Insurance Company Imedi L, JSC – a company known for competitive rates and good customer service.
4. TBC Insurance, JSC – part of the large TBC financial group, offering reliable insurance solutions.
5. ARDI INSURANCE, JSC – a company with a good balance of price and service quality.
6. PSP Insurance JSC – a company whose advantage is an easy policy issuance process.
7. INSURANCE COMPANY ALPHA, JSC – a reliable company with a variety of insurance plans.
8. BB Insurance, JSC – a small but fast-growing company with a personalized approach to clients.
9. INSURANCE COMPANY EUROINS GEORGIA JSC – a company that is part of a large international group and offers stable services.
10. Insurance Group of Georgia JSC – a company with good customer reviews and a wide range of services.
11. Insurance Company Prime, JSC – a company focused on innovation and customer-centricity.
12. Alliance LLC – a company with high service standards and fast claim payouts.
13. Ambulance Services-03 in Khulo Ltd. – a company with a unique offer that includes insurance and emergency medical services.
14. Insurance Company Card Ltd. – a company specializing in medical insurance with a strong network of clinics.

When choosing an insurance company, make sure it is licensed and has a good reputation, and also review the insurance terms to avoid unpleasant surprises if an insured event occurs.

Is insurance for Georgia mandatory for citizens of Ukraine, Russia, Belarus, and Kazakhstan

Analysis of legislation for specific countries

As part of strengthening safety measures and protecting the health of both tourists and the local population, for citizens of Ukraine, Russia, Belarus, and Kazakhstan—just like for citizens of most other countries—visiting Georgia starting from 2026 will require having a valid medical insurance policy.

Insurance policy requirements:

• The insurance must be valid for the entire period of stay in Georgia. This means that the policy’s validity period must cover the entire planned trip, including possible transit days.
• The insurance guarantees full coverage of medical expenses in case of illness or an accident, including outpatient treatment, hospitalization, and, if necessary, transportation to the home country.
• The policy must be accepted at the state border of Georgia. When entering the country, the presence of insurance may be checked, and its absence may be a reason for denial of entry.

These requirements apply to all citizens of the specified countries without exception, regardless of the purpose of the trip, whether it is tourism, work, or study. Having an insurance policy is not just a formality, but an important precautionary measure that can significantly облегчить your stay in the country in case of unexpected circumstances.

Thus, before traveling, it is necessary not only to purchase a suitable insurance policy, but also to make sure that it meets all the requirements of Georgian legislation.

Insurance for Georgia to obtain a visa

For foreign citizens who require a visa to enter Georgia, having an insurance policy will be one of the mandatory conditions for successfully obtaining a visa. Despite the fact that citizens of Russia, Ukraine, Belarus, and Kazakhstan can enter Georgia without a visa, insurance for Georgia for citizens of these countries will also be mandatory.

Insurance policy requirements:

1. Insurance validity for the entire period of stay: The insurance policy must cover the entire period of stay in Georgia. This is extremely important, since any gaps without insurance coverage may become grounds for administrative difficulties when entering the country or staying there.
2. Coverage of medical expenses: The policy must include coverage of expenses for treatment, hospitalization, and, if necessary, medical evacuation. Usually the minimum coverage amount is set at no less than 30,000 euros, but the exact amount may vary depending on the requirements.
3. Validity of the insurance in Georgia: The insurance policy must be recognized in Georgia. This means that the insurance company issuing the policy must be recognized by the Georgian authorities or have relevant international accreditations.
4. COVID-19 coverage: Despite the lifting of pandemic restrictions, having COVID-19 coverage is recommended as an additional precaution.

Insurance application process:

• Choosing an insurance company: Choose a company that has good reviews and provides a full package of services that meets the requirements of the Georgian authorities.
• Obtaining the policy: You can obtain the policy online or at the insurance company’s office, but first make sure that you have received all the necessary documents confirming insurance coverage.
• Presenting the policy upon entry: Although a visa is not required to enter Georgia, you will need to confirm the presence of an insurance policy when crossing the border.

Pay proper attention to choosing insurance so that your trip goes without unpleasant surprises.

Requirements of Georgian legislation for obtaining a medical insurance policy

Georgian legislation clearly regulates issues of medical insurance for foreign citizens entering the country. The main legislative act governing this area is the Law “On the Legal Status of Foreigners and Stateless Persons” dated July 3, 1993. This law contains the following key provisions related to medical insurance:

Article 8

This article states that when submitting an application to obtain a visa for Georgia, it is necessary to attach a number of documents confirming the presence of a medical insurance policy and accident insurance. These documents must comply with the established procedure for issuing visas and confirm that the policy is valid throughout the applicant’s intended stay in Georgia.

Article 11

According to this article, officers of the Georgian border police have the right to deny a foreign citizen entry into the territory of Georgia or the issuance of a visa if they do not have a valid medical insurance policy. This requirement is mandatory, and violating it may lead to serious consequences, including deportation or a ban on entry.

Important aspects of medical insurance for entry into Georgia:

• Coverage: The policy must cover all medical expenses related to treatment, hospitalization, and, if necessary, medical repatriation, which includes not only the treatment of sudden and emergency conditions, but also possible accidents.
• Validity period: The policy must be valid for the entire duration of stay in Georgia. It is recommended that the insurance starts from the moment of crossing the border and ends on the day of departure.
• Proof: Upon entry into Georgia, it may be necessary to present the medical insurance policy in printed form. Although many insurance companies also offer digital versions, it is better to have a printed copy with you to avoid possible technical problems during the check.

These requirements of Georgian legislation emphasize the need for careful preparation for the trip and confirm the importance of having reliable medical insurance for all foreign tourists.

Car insurance in Georgia

For foreign citizens planning to enter Georgia in their own or a rented car, there are certain requirements for vehicle insurance.

We invite you to review the main aspects you need to consider:

Mandatory third-party liability insurance

In Georgia, a third-party liability insurance policy (OSAGO) must be issued for all cars, including those registered outside the country. This insurance covers expenses related to damage caused to third parties as a result of road traffic accidents.

Insurance terms and conditions

• For short-term trips: If you plan to stay in Georgia for less than 15 days, insurance is not required; however, if the length of stay exceeds 15 days, you must obtain an insurance policy.
• For long-term stays: If you stay in Georgia for more than 90 days, vehicle registration and obtaining a local insurance policy are required.

Where to obtain insurance

The insurance policy can be obtained online or when crossing the border at specialized points, which are usually located at major customs checkpoints. It is also possible to obtain a policy at the offices of insurance companies in Georgia.

Insurance coverage

An OSAGO policy usually covers:

• Damage to the health of third parties.
• Property damage to third parties.

Penalties for lack of insurance

The presence of an insurance policy is checked at each entry into the country and in case of involvement in road traffic accidents. The absence of a policy may lead to fines and other administrative sanctions.

Important points

• Make sure that the insurance policy is valid for the entire duration of your stay in Georgia.
• Keep a copy of the insurance policy in the car throughout the trip.

Car insurance is not only a mandatory legal requirement, but also an important aspect of the safety of your travels in Georgia. It will protect you from unexpected expenses and legal problems in case of road traffic accidents or other incidents on the road.

Planning a trip to Georgia involves not only the anticipation of adventures and new experiences, but also the need for thorough preparation—especially when it comes to insurance. Many tourists face questions about which insurance policies are required, where to buy them, and what conditions must be met for a safe and worry-free stay in the country.

We have collected the most frequently asked questions and answers so that you can better understand the insurance requirements and feel confident during your trip.

Here is a list of 10 frequently asked questions that may arise for tourists planning a trip to Georgia and interested in insurance:

Knowing the answers to these questions will help tourists prepare better for the trip and ensure peace of mind while staying in Georgia.

Knowing the basics of insurance when traveling to Georgia will help you avoid unpleasant surprises and make your stay in the country safer. We hope that the answers to these frequently asked questions will be useful in preparing for your trip. Always pay proper attention to choosing an insurance policy—check its terms and make sure it meets both your needs and the requirements of Georgian legislation. Travel with confidence knowing that you are well protected.

Emergency services and medicine in Georgia

List of emergency services

If you need emergency assistance during your stay in Georgia, it is important to know the emergency service numbers:

• 112 — The unified emergency number, including police, fire service, and ambulance. Calls to this number are free from any phone.
• 911 — An alternative emergency number, also available to call the police, пожарные, and ambulance.

Specifics of providing medical services to foreigners

• Medical services in Georgia are available in both public and private clinics. Important aspects of medical services for foreigners include:
• Access to services: Most major medical institutions are located in Tbilisi, Batumi, and other large cities. In rural areas, medical services may be limited.
• Quality of service: Georgia has both high-quality medical centers and more basic medical facilities. Private clinics usually offer a higher standard of service and have staff who speak English.
• Cost of services: For foreigners, medical services are usually paid even in public hospitals. Having insurance that covers medical expenses can significantly reduce the financial burden in case of illness or injury.
• Insurance: Make sure your medical insurance is valid in Georgia and covers necessary services, including emergency medical care, hospitalization, and, if necessary, medical evacuation.
• Medicines: Most medicines are available in pharmacies without a prescription, but some strong medications may require a prescription.

Recommendations for foreign tourists

• Keep your insurance company’s contact details and your insurance policy with you.
• Write down the addresses and phone numbers of the nearest medical institutions in the area where you are staying.
• When planning trips to remote areas, find out in advance about the availability of medical services.

With the necessary information about medical services and having emergency service contacts at hand, you will be able to feel more confident and safe during your trip to Georgia.

Dangers for tourists in Georgia

Georgia is a country with a rich culture, magnificent nature, and warm hospitality. However, like in any other country, there are certain risks and dangers here that tourists should know about to ensure their safety.

Below is an overview of some potential dangers and the corresponding safety recommendations:

Natural hazards

• Seismic activity: Georgia is located in a seismically active zone, which can lead to earthquakes, so it is important to know what to do in case of an earthquake.
• Weather conditions: In Georgia’s mountainous regions, the weather can change suddenly, so when planning hikes or excursions, pay attention to the weather forecast.
• Landslides and floods: Especially in spring and autumn, landslides and floods can occur in mountainous areas.

Road traffic

• Road traffic: Road traffic in Georgia may differ from what you are used to, and local driving styles can seem aggressive and chaotic to foreigners, so it is recommended to avoid driving on your own at night.
• Road standards: Some roads, especially in remote mountainous areas, may be in poor condition, so you should always be careful when driving or traveling by car.

Health and hygiene

• Water: In some regions of Georgia, drinking water may not meet standards, so it is recommended to use bottled water for drinking and cooking.
• Medical services: Although medical services in large cities are quite good, they may be limited in remote areas, so you should always have necessary medicines and medical insurance with you.

Crime risks

• Petty theft: As in any popular tourist destination, there is a risk of pickpocketing, especially in crowded places such as markets, tourist attractions, and public transport.
• Compliance with laws: It is important to know and follow local laws and customs to avoid trouble.

Safety recommendations

• Beware of scammers: Always be cautious of deals that seem too good to be true or requests for help with money.
• Watch your belongings: Use zippered bags and keep them in front of you in crowded places.
• Use only licensed taxis or recommended transport services.

Following these recommendations will help you avoid most risks and make your stay in Georgia safe and enjoyable.

We hope that the information provided will help you prepare for your trip to Georgia and make your stay in this wonderful country as safe and comfortable as possible. We understand that choosing the right insurance company plays a key role in ensuring peace of mind while traveling, so we invite you to use the Madloba directory, where all insurance companies in Georgia are collected.

In the guide, you will find complete information about each insurance company, including phone numbers and contact details. In addition, you can find reviews from other users about these companies, which will help you make an informed choice. We strive to provide you with all the necessary resources so that your trip is not only unforgettable, but also protected.

Visit Madloba today and start planning your trip with confidence. May your adventure in Georgia be full of joy and free from any worries!

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