Best Travel Insurance for Andorra in 2025
- The best travel insurance plans for Andorra
- Is it currently safe to travel to Andorra?
- Is travel insurance required for Andorra?
- Why Take Out Travel Insurance for Andorra
- What travel insurance for Andorra should cover
- What is the cost of travel insurance for Andorra?
- How to pay less for your travel insurance to Andorra
- Relying on Your Current Insurance in Andorra
- FAQ
Travel insurance for Andorra: key takeaways
1. Definition: Travel insurance for Andorra covers medical emergencies, trip cancellation, and other unforeseen travel problems.
2. Key protection: Insurance is not mandatory but is crucial for covering potential medical emergencies abroad.
3. Healthcare cost: Healthcare is high-quality but expensive; a hospital night can cost over $1,000.
4. Price: A one-week travel insurance policy for Andorra typically costs between $30 and $70.
5. Good to know: Ensure your policy covers mountain activities like skiing or hiking if you plan them.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 42 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Andorra.
The best travel insurance plans for Andorra
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | 1.1M USD | Top protection for travel to Andorra, with high cover and strong guarantees. - high medical ceiling - repatriation - modern, clear terms |
| Cap Assistance 24/24 | 1.1M USD | A strong choice for short or active stays. - 24/7 medical support - trip cancellation - simple claim process |
| Tourist Card | 550k USD | Good value for travelers who want core protections. - competitive coverage - medical assistance - flexible policy options |
| Travel Pass Monde | 770k USD | A well-balanced choice with support for most needs. - repatriation covered - hospital expenses - broad area of validity |
| Globe Partner | 330k USD | Basic yet dependable for moderate-length stays in Andorra. - essential medical benefits - covers repatriation - civil liability included |
| Globe Traveller | 550k USD | Practical for short stays or first-time visitors. - basic medical coverage - fast settlement - includes emergency medical transport |
- high medical ceiling
- repatriation
- modern, clear terms
- 24/7 medical support
- trip cancellation
- simple claim process
- competitive coverage
- medical assistance
- flexible policy options
- repatriation covered
- hospital expenses
- broad area of validity
- essential medical benefits
- covers repatriation
- civil liability included
- basic medical coverage
- fast settlement
- includes emergency medical transport
Is it currently safe to travel to Andorra?
As of June 2025, the U.S. Department of State advises that Andorra is considered safe for travel, with no significant restrictions or heightened advisory in place.
Here are their four main recommendations.
- Security risks: Andorra experiences very low crime rates, but travelers should remain vigilant against opportunistic pickpocketing, especially in busy areas of Andorra la Vella during the ski season.
- Health risks: medical facilities are of good quality, but serious emergencies may require evacuation to hospitals in Spain or France. No vaccinations are required for entry, but travelers should bring any necessary medication.
- Legal constraints:there are tight rules regarding the quantity of alcohol and tobacco that can be brought into or out of Andorra. Currency transactions above legal thresholds must be declared to customs upon crossing the border.
- Environmental conditions: the Pyrenees region can experience sudden weather changes, with risks of snowstorms and road closures. In winter, travelers should check for avalanche warnings, especially on mountain routes.
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 Andorra.
Is travel insurance required for Andorra?
No, travel insurance is not legally mandatory for U.S. citizens to enter Andorra.
Despite its safety and reliable healthcare, travel insurance is recommended because medical costs, including emergency evacuation or specialized care, must be paid out of pocket and U.S. insurance plans do not apply. Insurance also covers unforeseen events like ski accidents, trip cancellations, or repatriation.
According to our data, 50% of travelers purchase travel insurance before going to Andorra, largely due to potential costs from mountain sports injuries or unexpected illness.
Why Take Out Travel Insurance for Andorra
It is an essential financial and medical protection for anyone going to Andorra.
In Andorra, healthcare is high quality but medical services for non-residents must be paid in full, with costs in clinics such as Hospital Nostra Senyora de Meritxell being considerable. Emergency care, surgery, or hospitalization can lead to significant expenses for U.S. travelers without local coverage.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the United States in the event of serious illness or injury.
Here are some examples of healthcare costs in Andorra.
| Example of medical treatment | Cost at Hospital Nostra Senyora de Meritxell | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | €2,600 (about $2,800) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | €1,900 (about $2,050) | up to 100% |
| I need to be repatriated | €21,000 (about $22,800) | up to 100% |
| I have appendicitis (consultation and surgery) | €8,000 (about $8,700) | up to 100% |
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.
What travel insurance for Andorra should cover
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Pays for doctor visits, hospitalization, and outpatient treatment if you get sick or injured. The recommended minimum is $100,000. |
| 🚑 Medical evacuation | Covers transfer to a qualified hospital or back to the United States if local care is insufficient. Coverage should be at least $300,000. |
| ✈️ Trip cancellation | Reimburses non-refundable travel costs if you have to cancel your trip due to illness or a covered event. At least $5,000 is recommended. |
| 🧳 Baggage loss/delay | Compensation for lost, stolen, or delayed luggage and personal items. Minimum recommended limit: $1,500. |
| 🛑 Trip interruption | Pays for additional expenses if your trip is cut short for a covered reason. A minimum of $5,000 is advisable. |
| 💼 Personal liability | Coverage if you accidentally injure someone or damage property. Suggested minimum: $50,000. |
| 🌐 24/7 assistance | Includes emergency helplines, legal aid, and translation services in Andorra. Confirm it is included with your policy. |
| ⛷️ Winter sports | Covers injuries specific to activities like skiing, which are popular in Andorra. Select a policy that includes at least $20,000 for such coverage. |
The recommended minimum is $100,000.
Coverage should be at least $300,000.
At least $5,000 is recommended.
Minimum recommended limit: $1,500.
A minimum of $5,000 is advisable.
Suggested minimum: $50,000.
Confirm it is included with your policy.
Select a policy that includes at least $20,000 for such coverage.
Travel insurance from local providers or bank cards tends to offer limited coverage, low reimbursement amounts, and many exclusions. It is safer to choose a trusted insurer offering broader protection. Compare leading options on HelloSafe and subscribe online for instant certification.
What is the cost of travel insurance for Andorra?
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $22 |
| 2 weeks | 45 years old | $38 |
| 1 month | 35 years old | $72 |
| 1 month | 70 years old | $148 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
Your travel insurance cost is shaped by several key elements: your age, the length of your trip, your destination, the level of coverage you select, and any add-ons like trip cancellation. Considering these factors is crucial for finding a policy that fits your needs and budget, ensuring you're properly protected without overpaying.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Andorra
Here are some suggestions to optimize the cost of your travel insurance to Andorra while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🛡️ Policy coverage | Strong healthcare is available in Andorra, but medical costs may not be covered by US insurance. | Focus on basic medical and evacuation benefits. Skip excessive add-ons to lower your premium. |
| 📅 Trip length | Insurance is priced per day, so the total trip length affects the overall cost directly. | Purchase coverage for only the specific days you are traveling. Do not pay for extra vacation days. |
| 👤 Traveler’s age | Premiums may increase with age, especially for those over 60. | Compare several insurers. Heymondo does not increase its prices for people over 62. Compare for savings. |
| 🏔️ Activities included | Andorra is popular for skiing, hiking, or mountain sports, which can raise insurance rates. | Exclude high-risk activities if you do not need them. Select leisure-only coverage if you won’t do sports. |
| 👨👩👦 Group vs solo | Family or group plans are often cheaper than buying many single policies. | If traveling with others, consider a group policy. Family plans can offer better per-person pricing. |
| 🚑 Pre-existing health | Providers may charge more for people with known health conditions. | Always declare any health condition. Check multiple insurers for favorable rules on stable conditions. |
| 💳 Deductible/excess | Choosing a higher deductible will reduce your upfront insurance costs. | Adjust your deductible up if you can cover minor expenses. This can lower your premium noticeably. |
Relying on Your Current Insurance in Andorra
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 Andorra. Unfortunately, these options often provide limited coverage or exclude key risks. Only travel insurance delivers extensive protection for healthcare and emergencies abroad.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Andorra? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No overseas medical coverage. No emergency assistance or hospital reimbursement. | Travel insurance covers up to $250,000 for medical care and evacuation. |
| Private health insurance (Aetna, UnitedHealthcare, Cigna) | Yes, partly | Reimbursement for medical care, up to $10,000. No direct billing, no evacuation abroad. | Travel insurance handles bills directly, $500,000 limit, plus 24/7 emergency help. |
| Classic credit card (Capital One Platinum, Discover It, Wells Fargo Active Cash) | Yes, partly | Trip interruption or baggage loss under $3,000. Medical coverage is usually excluded. | Travel insurance includes medical up to $100,000, personal liability, and evacuation. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical emergencies up to $50,000. Some trip delay or lost luggage protection. | Travel insurance covers up to $500,000 medical, evacuation, and trip cancellation. |
Example
While skiing in Andorra, a severe leg fracture led to a $25,000 hospital bill. His US health plan didn't cover him abroad, and his premium Visa Signature card's travel insurance was capped at $2,000. He was stuck paying $23,000 out-of-pocket, a shocking cost for a vacation accident.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness or death, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to purchase dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Andorra?
U.S. citizens do not need a visa to enter Andorra for tourist visits of up to 90 days. However, you must enter Andorra through Spain or France, and both these countries follow the Schengen regulations. Ensure your U.S. passport is valid for at least six months from your planned date of entry.
How do I purchase travel insurance for Andorra?
1/ Compare: Use the HelloSafe travel insurance comparison tool to explore different plans.
2/ Check cover and exclusions: Make sure your policy covers Andorra and includes guarantees like medical evacuation and trip interruption.
3/ Buy online: Complete the purchase directly on the insurer's website.
4/ Receive your certificate: Your coverage certificate will be sent by email or available to download.
Are American health insurance plans accepted in Andorra?
U.S. health insurance, including Medicare and Medicaid, does not provide any coverage in Andorra. Travelers must pay out of pocket for medical care unless they have purchased a separate travel insurance plan that extends coverage internationally, including Andorra.
Is medical care in Andorra expensive for tourists?
Medical care in Andorra is generally high quality. However, tourists must pay for all services out of pocket. Emergency care can cost several hundred dollars per day, and hospital admission fees often exceed $1,000 per night without insurance. Travel insurance can provide reimbursement for these expenses.
What features should I look for in travel insurance for Andorra?
Seek a plan that covers emergency medical expenses, medical evacuation, and trip interruptions. High coverage amounts (at least $100,000 for medical care) and 24/7 emergency assistance are recommended. Confirm Andorra is included in your policy’s coverage area before purchasing.
Can I buy travel insurance for Andorra if I am already in Europe?
Some insurers may allow you to purchase travel insurance while already overseas, but the options can be limited and more expensive. It is generally best to arrange your coverage from the United States before traveling to ensure the broadest range of policy options and limits.
Do I need a visa to travel to Andorra?
U.S. citizens do not need a visa to enter Andorra for tourist visits of up to 90 days. However, you must enter Andorra through Spain or France, and both these countries follow the Schengen regulations. Ensure your U.S. passport is valid for at least six months from your planned date of entry.
How do I purchase travel insurance for Andorra?
1/ Compare: Use the HelloSafe travel insurance comparison tool to explore different plans.
2/ Check cover and exclusions: Make sure your policy covers Andorra and includes guarantees like medical evacuation and trip interruption.
3/ Buy online: Complete the purchase directly on the insurer's website.
4/ Receive your certificate: Your coverage certificate will be sent by email or available to download.
Are American health insurance plans accepted in Andorra?
U.S. health insurance, including Medicare and Medicaid, does not provide any coverage in Andorra. Travelers must pay out of pocket for medical care unless they have purchased a separate travel insurance plan that extends coverage internationally, including Andorra.
Is medical care in Andorra expensive for tourists?
Medical care in Andorra is generally high quality. However, tourists must pay for all services out of pocket. Emergency care can cost several hundred dollars per day, and hospital admission fees often exceed $1,000 per night without insurance. Travel insurance can provide reimbursement for these expenses.
What features should I look for in travel insurance for Andorra?
Seek a plan that covers emergency medical expenses, medical evacuation, and trip interruptions. High coverage amounts (at least $100,000 for medical care) and 24/7 emergency assistance are recommended. Confirm Andorra is included in your policy’s coverage area before purchasing.
Can I buy travel insurance for Andorra if I am already in Europe?
Some insurers may allow you to purchase travel insurance while already overseas, but the options can be limited and more expensive. It is generally best to arrange your coverage from the United States before traveling to ensure the broadest range of policy options and limits.
