Best Travel Insurance for Mongolia in 2025: Your Guide to the Top Plans
- The best travel insurance plans for Mongolia
- Is it currently safe to travel to Mongolia?
- Is travel insurance required by law to enter Mongolia?
- Why take out travel insurance for Mongolia?
- What should travel insurance for Mongolia cover?
- The Cost of Travel Insurance for Mongolia
- How to pay less for your travel insurance to Mongolia
- Can I rely on my current insurance to cover me in Mongolia?
- FAQ
Travel insurance for Mongolia: key takeaways
1. Definition: Travel insurance for Mongolia covers medical emergencies, trip cancellation, and lost baggage during your trip.
2. Key protection: Insurance is not mandatory for US citizens, but it is highly recommended for remote travel.
3. Healthcare cost: Medical facilities are limited outside the capital, and evacuation can be extremely expensive.
4. Price: A one-week travel insurance policy for Mongolia typically costs between $30 and $60.
5. Good to know: Ensure your policy includes high-coverage medical evacuation for emergencies in remote areas.
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 Mongolia.
The best travel insurance plans for Mongolia
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | 1.1M USD | Strong choice for Mongolia with high medical limits and modern guarantees. - covers medical emergencies - repatriation included - broad assistance spectrum |
| Cap Assistance 24/24 | 1.1M USD | Versatile solution suitable for all travelers. - 24/7 medical hotline - evacuation and hospital cover - simple claims |
| Tourist Card | 550k USD | Solid option for tourists and short trips. - comprehensive hospital coverage - emergency support - easy to manage while abroad |
| Travel Pass Monde | 770k USD | Provides balanced coverage for Mongolia. - repatriation included - direct billing for hospitals - wide regional support |
| Globe Partner | 330k USD | Good fit for international stays of any length. - essential medical protection - repatriation service - simple reimbursement process |
| Globe Traveller | 550k USD | Suitable for budget-minded travelers needing reliable care. - emergency hospital cover - medical evacuation - quick claims turnaround |
- covers medical emergencies
- repatriation included
- broad assistance spectrum
- 24/7 medical hotline
- evacuation and hospital cover
- simple claims
- comprehensive hospital coverage
- emergency support
- easy to manage while abroad
- repatriation included
- direct billing for hospitals
- wide regional support
- essential medical protection
- repatriation service
- simple reimbursement process
- emergency hospital cover
- medical evacuation
- quick claims turnaround
Is it currently safe to travel to Mongolia?
As of June 2025, the U.S. Department of State advises travelers to exercise normal precautions when visiting Mongolia, as the country is generally stable but requires informed preparation.
Here are their four main recommendations.
- Security risks: demonstrations can occur, particularly in central Ulaanbaatar at Sukhbaatar Square. Travelers should avoid protest areas, as public gatherings occasionally become unpredictable.
- Health risks: air quality in Ulaanbaatar may reach hazardous levels during winter, sometimes exceeding an AQI of 300. Medical and emergency services are limited in rural regions, making evacuation challenging after accidents in remote areas like Lake Khövsgöl.
- Legal requirements: registration with Mongolian Immigration within 48 hours of arrival is mandatory. Failure to comply may result in fines, which are enforced at the airport when departing Mongolia.
- Environmental hazards: travellers to the Gobi Desert or high-altitude zones can face extreme weather fluctuations. Spring sandstorms around the steppe may disrupt travel and visibility.
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 Mongolia.
Is travel insurance required by law to enter Mongolia?
No, travel insurance is not legally mandatory for U.S. citizens to enter Mongolia.
It is still strongly recommended because healthcare facilities outside major cities are limited and medical evacuation can be difficult and costly. Emergency response options are also restricted in remote areas, making reliable insurance protection important.
According to our data, 80% of travelers purchase travel insurance before going to Mongolia, mainly due to the high expenses linked to medical emergencies and the challenges of receiving care in rural regions.
Why take out travel insurance for Mongolia?
It is an essential financial and medical protection for anyone going to Mongolia.
In Mongolia, access to good healthcare is mainly limited to private clinics in Ulaanbaatar, such as Intermed Hospital, where treatment is expensive for foreigners. Outside the capital, clinics can lack equipment, specialist care, and English-speaking staff, which makes even routine medical situations costly or difficult.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the United States in case of serious illness or accident.
Here are some examples of healthcare costs in Mongolia.
| Example of medical treatment | Cost at Intermed Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 2,800,000 MNT (about $820) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 1,800,000 MNT (about $530) | up to 100% |
| I need to be repatriated | 30,000,000 MNT (about $8,800) | up to 100% |
| I have appendicitis (consultation and surgery) | 7,000,000 MNT (about $2,050) | 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 should travel insurance for Mongolia cover?
Here is a summary table of the main coverages you should look for in a travel insurance policy for Mongolia.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Pays for doctor visits, hospitalization, prescriptions, and treatment for illness or accident during your stay. Choose at least $150,000 of coverage. |
| 🚑 Medical evacuation | Covers transport to a qualified medical facility or back to the United States if needed. Minimum recommended limit is $300,000. |
| ✈️ Trip cancellation | Reimburses prepaid and non-refundable travel costs if you need to cancel due to covered reasons. Ensure you are covered for at least $5,000. |
| 🧳 Lost baggage | Protects you against the loss, theft, or damage of your luggage and personal items. A minimum reimbursement of $2,000 is advised. |
| 🛑 Trip interruption | Pays for additional expenses if your trip is cut short for covered events. Consider at least $5,000 coverage. |
| 💼 Personal liability | Covers expenses if you accidentally cause property damage or injury to someone else. A recommended minimum is $50,000. |
| 🌐 24/7 assistance | Offers round-the-clock support services including translation, local coordination, and emergency help. No minimum, but ensure it is included without exclusions. |
| 🏔️ Adventure activities | Covers injuries from activities popular in Mongolia such as horse trekking or hiking. Make sure coverage is included and check for a minimum of $20,000. |
Choose at least $150,000 of coverage.
Minimum recommended limit is $300,000.
Ensure you are covered for at least $5,000.
A minimum reimbursement of $2,000 is advised.
Consider at least $5,000 coverage.
A recommended minimum is $50,000.
No minimum, but ensure it is included without exclusions.
Make sure coverage is included and check for a minimum of $20,000.
Travel insurance obtained from local providers or bank cards usually offers limited coverage, with lower reimbursement limits and many exclusions. It is safer to choose a trusted insurer with comprehensive protection. Compare leading options on HelloSafe and subscribe online for instant certification.
The Cost of Travel Insurance for Mongolia
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $35 |
| 2 weeks | 45 years old | $60 |
| 1 month | 35 years old | $105 |
| 1 month | 70 years old | $215 |
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 is determined by several key factors: your age, trip duration, destination, desired coverage amount, and optional add-ons like trip cancellation. Keeping these elements in mind is essential to find a policy that provides the right protection for your trip without breaking your budget.
💡 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 Mongolia
Here are some suggestions to optimize the cost of your travel insurance to Mongolia while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🛡️ Level of coverage | Essential to have solid coverage for medical and evacuation, especially outside cities. | Limit coverage to core medical and evacuation benefits. Skip extras like baggage or sport coverage to save. |
| 📆 Trip duration | Prices increase with longer trips, relevant if traveling remote areas of Mongolia. | Insure only the days you are actually in Mongolia. Select exact dates to avoid unnecessary premiums. |
| 👤 Traveler's age | Age impacts price, and remote travel carries greater risks for certain age groups. | Compare age bands. Heymondo does not increase prices for travelers over 62. Review several insurers before buying. |
| 👫 Number of travelers | Group travel with family or friends may be cheaper than separate individual policies. | Explore family or group policies. Combined plans often cost less per traveler than single policies. |
| 🚑 Pre-existing health | Ongoing conditions or medications required raise premiums, especially important in remote Mongolia. | Disclose conditions truthfully. Seek providers with stable-condition clauses for better rates. |
| 📍 Area covered | Traveling only to main cities is lower risk than rural Mongolia, which affects your cost. | Restrict insurance coverage to the regions you will visit. Avoid paying for countrywide coverage if not needed. |
| 💰 Deductible/Excess | Lower premiums come with higher deductibles, but more out-of-pocket costs if care is needed. | Weigh premium savings against your budget. Choose a deductible you can afford in case of medical care. |
Can I rely on my current insurance to cover me in Mongolia?
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 Mongolia. Unfortunately, these options are often limited or do not provide the coverage needed for emergencies or medical evacuation.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Mongolia? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage for care outside the US. No support for emergency evacuation. | Travel insurance covers up to $250,000 for medical care and evacuation. |
| Private health insurance (Aetna, UnitedHealthcare, Cigna) | Yes, partly | Possible partial reimbursement after return, often under $10,000. Excludes medical evacuation. | Travel insurance pays direct hospital costs and up to $500,000 for evacuation. |
| Classic credit card (Chase Freedom, Citi Simplicity, Capital One Platinum) | Yes, partly | Limited medical coverage, often $2,500 to $5,000. No evacuation, no air ambulance costs. | Travel insurance includes $100,000+ medical, evacuation, and trip interruption coverage. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical up to $50,000. Some trip delay or baggage delay. No support for evacuation or remote care. | Travel insurance covers $500,000 emergencies, air ambulance, and 24/7 assistance. |
Example
While horseback riding in the Gobi Desert, Sarah suffered a severe concussion. An emergency air evacuation to Ulaanbaatar cost $25,000. Her Chase Sapphire card's travel benefit only covered $2,000, and her US health plan didn't cover international evacuations. She was left with a staggering $23,000 bill for the incident.
Expert advice
Always check the terms, exclusions, and limits of your existing coverage. 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 get dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Mongolia?
U.S. citizens do not need a visa to visit Mongolia for stays of up to 90 days. Your passport must be valid for at least six months beyond your arrival date. All visitors are required to register with Mongolian Immigration within 48 hours of arrival. Failing to do so may result in a fine when you leave the country.
How do I purchase travel insurance for Mongolia?
1/ Compare: Use the HelloSafe travel insurance comparison tool to view and compare suitable plans for Mongolia.
2/ Check cover and exclusions: Make sure the insurance provides coverage specific to Mongolia, including medical evacuation and any country-specific exclusions.
3/ Buy online: Select your preferred plan, then purchase directly through the insurer’s website.
4/ Receive your certificate: You will receive your official insurance certificate by email or download, which you should carry with you.
Are local hospitals in Mongolia suitable for international travelers?
Medical care in Mongolia, especially outside major cities, can be limited and below U.S. standards. International travelers may experience language barriers, outdated equipment, and shortages of medical supplies. For serious illness or injury, medical evacuation to another country may be required, which is expensive without appropriate insurance.
Does travel insurance for Mongolia cover air pollution-related health issues?
Some comprehensive policies may cover medical expenses for health problems that arise from severe air pollution, such as respiratory issues. However, not every policy includes this, so check whether air quality-related medical problems are included and ask the insurer about specific exclusions for environmental factors in Mongolia.
Can I buy travel insurance for Mongolia after arrival?
Most insurers require you to purchase travel insurance before your trip or before you leave your home country. Some providers allow you to buy coverage after you have departed, but the options may be limited and usually cost more. It is best to secure insurance ahead of your journey for full protection.
What should I look for in a travel insurance policy for Mongolia?
Look for a plan that includes at least $100,000 in emergency medical coverage and covers medical evacuation costs, which can exceed $50,000. Consider benefits for trip interruption, baggage loss, and assistance services, especially if you plan to travel outside Ulaanbaatar or into remote areas.
Do I need a visa to travel to Mongolia?
U.S. citizens do not need a visa to visit Mongolia for stays of up to 90 days. Your passport must be valid for at least six months beyond your arrival date. All visitors are required to register with Mongolian Immigration within 48 hours of arrival. Failing to do so may result in a fine when you leave the country.
How do I purchase travel insurance for Mongolia?
1/ Compare: Use the HelloSafe travel insurance comparison tool to view and compare suitable plans for Mongolia.
2/ Check cover and exclusions: Make sure the insurance provides coverage specific to Mongolia, including medical evacuation and any country-specific exclusions.
3/ Buy online: Select your preferred plan, then purchase directly through the insurer’s website.
4/ Receive your certificate: You will receive your official insurance certificate by email or download, which you should carry with you.
Are local hospitals in Mongolia suitable for international travelers?
Medical care in Mongolia, especially outside major cities, can be limited and below U.S. standards. International travelers may experience language barriers, outdated equipment, and shortages of medical supplies. For serious illness or injury, medical evacuation to another country may be required, which is expensive without appropriate insurance.
Does travel insurance for Mongolia cover air pollution-related health issues?
Some comprehensive policies may cover medical expenses for health problems that arise from severe air pollution, such as respiratory issues. However, not every policy includes this, so check whether air quality-related medical problems are included and ask the insurer about specific exclusions for environmental factors in Mongolia.
Can I buy travel insurance for Mongolia after arrival?
Most insurers require you to purchase travel insurance before your trip or before you leave your home country. Some providers allow you to buy coverage after you have departed, but the options may be limited and usually cost more. It is best to secure insurance ahead of your journey for full protection.
What should I look for in a travel insurance policy for Mongolia?
Look for a plan that includes at least $100,000 in emergency medical coverage and covers medical evacuation costs, which can exceed $50,000. Consider benefits for trip interruption, baggage loss, and assistance services, especially if you plan to travel outside Ulaanbaatar or into remote areas.
