Best Travel Insurance options for Afghanistan in 2025

Travel insurance for Afghanistan: key takeaways

1. Definition: Travel insurance for Afghanistan covers medical emergencies, security evacuation, and other unexpected travel risks.

2. Warning: The U.S. State Department advises against all travel to Afghanistan due to extreme security risks.

3. Key protection: Insurance is not mandatory but crucial for medical evacuation and security assistance in this high-risk zone.

4. Healthcare cost: Healthcare is extremely limited; serious issues require medical evacuation, which can cost over $100,000.

5. Price: Specialized high-risk insurance is required and can cost several hundred dollars for a one-week trip.

6. Good to know: Most U.S. insurers exclude Afghanistan; seek a specialist provider for high-risk destination coverage.

Why trust HelloSafe?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Afghanistan.

The best travel insurance plans for Afghanistan

Watch out!

These are the insurers we generally recommend for their quality of service and value for money. However, be aware that in exceptional situations like armed conflict zone, they may not be able to provide coverage.

Is it currently safe to travel to Afghanistan?

As of June 2025, the U.S. Department of State officially advises against all travel to Afghanistan due to persistent armed conflict, terrorism, crime, and the high risk of wrongful detention targeting U.S. citizens.

Here are their four main recommendations.

• Security risks: armed attacks, terrorist incidents, and kidnappings are widespread, especially in Kabul and along major roads. The Taliban and other groups frequently target foreigners and aid workers.
• Health risks: medical facilities are limited, particularly outside Kabul. Counterfeit medications and inadequate care can pose life-threatening dangers, and medical evacuation is often the only effective solution.
• Legal constraints:travelers must register with the Afghan Ministry of Interior upon arrival. Possession of a U.S. passport with Israeli stamps results in denied entry, and a valid Afghan visa is required.
• Consular support: the U.S. Embassy in Kabul is closed and cannot provide emergency help. All services are handled through the U.S. Embassy in Qatar, with extremely restricted capacity for crisis support.

Although not required, travel insurance is strongly recommended by the U.S. Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Afghanistan.

Is travel insurance required by law to enter Afghanistan?

No, travel insurance is not legally mandatory for U.S. citizens to enter Afghanistan.

However, travel insurance is strongly recommended by the U.S. Department of State due to the extreme security situation, limited health care, and the very high cost of medical evacuation or emergency repatriation. Coverage should include medical emergencies, evacuation, and repatriation for the entire duration of your stay.

According to our data, 80% of travelers purchase travel insurance before going to Afghanistan, due to the high-risk environment and serious health system limitations.

Why take out travel insurance for Afghanistan?

It is an essential financial and medical protection for anyone going to Afghanistan.

Healthcare costs are often high in Afghanistan because advanced care is only available at private hospitals in major cities like Kabul, such as the French Medical Institute for Mothers and Children (FMIC). Public facilities typically lack basic equipment and supplies, so foreigners are routinely directed to private clinics where fees are charged up front.

Travel insurance covers medical expenses, hospitalization, medication, ambulance services, and repatriation to the United States in the event of a serious incident.

Here are some examples of healthcare costs in Afghanistan.

These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.

Travel insurance coverage for Afghanistan

⚠️ Due to ongoing armed conflict and widespread insecurity, many insurers refuse coverage for Afghanistan or significantly limit their guarantees. Access to comprehensive travel insurance is often restricted and premiums are high.

Here is a summary table of the main coverages you should look for in a travel insurance policy for Afghanistan.

Travel insurance from local providers or credit cards usually offers limited coverage, low limits, and numerous exclusions. For reliable protection, always select a trusted insurer with complete guarantees. Compare the best policies on HelloSafe and apply online for immediate certification.

What is the cost of travel insurance for Afghanistan?

These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.

Good to know

The price of your travel insurance policy depends on several key details: the traveler's age, the duration of your stay, your destination, and chosen options like trip cancellation coverage. Considering these factors is essential to select the right plan for your needs and budget, ensuring you're properly protected on your trip.

Insurance Coverage for Afghanistan

Many insurance providers exclude Afghanistan from coverage due to the ongoing conflict and high risk of terrorism, kidnapping, and wrongful detention. Carefully review policy terms and obtain written confirmation that your plan explicitly covers travel to Afghanistan. Prioritize comprehensive medical evacuation and high-limit emergency assistance in your coverage.

💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.

How to pay less for your travel insurance to Afghanistan

Here are some suggestions to optimize the cost of your travel insurance to Afghanistan while keeping good coverage:

Can I rely on my current insurance to cover me in Afghanistan?

It is legitimate to wonder if your current coverage—such as credit card insurance or private health insurance—can protect you during a trip to Afghanistan. Unfortunately, such coverage is often limited or does not apply at all. Only travel insurance offers the high coverage and support required for this destination.

Here is a summary table to help you review your current insurance and what it covers.

Example

In Kabul, a severe bout of dysentery landed an aid worker in a private clinic for a week, with a bill of $10,000. His US health plan wouldn't cover care in Afghanistan, and his Visa Signature card’s travel insurance only paid $1,500, leaving him to fund the remaining $8,500 himself.

Expert advice

Always check the terms, exclusions, and limits of your existing insurance. Critical situations, like trip interruption for a relative’s illness, are often excluded. Read your policy carefully to avoid unpleasant surprises abroad. In all cases, buying dedicated travel insurance tailored to your trip is safer and more reassuring.

FAQ

A. Fruchard

Insurance expert

Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.