What are the best travel insurances for Saudi Arabia in 2025?
- The best travel insurances for Saudi Arabia
- Is it currently safe to travel to Saudi Arabia?
- Travel insurance required for the visa to Saudi Arabia
- Why take out travel insurance for Saudi Arabia?
- What travel insurance for Saudi Arabia should cover
- The cost of travel insurance for Saudi Arabia
- How to pay less for your travel insurance to Saudi Arabia
- Coverage of your current insurance in Saudi Arabia
- FAQ
Travel insurance for Saudi Arabia: key takeaways
1. Definition: Travel insurance for Saudi Arabia covers medical costs, repatriation, and other travel-related emergencies.
2. Warning: The U.S. State Department advises reconsidering travel to Saudi Arabia due to security risks.
3. Key protection: Medical insurance is mandatory and automatically included with all tourist visas for Saudi Arabia.
4. Minimum coverage: The mandatory visa insurance provides coverage for medical emergencies up to a government-set limit.
5. Healthcare cost: Private healthcare is high-quality but expensive; a hospital night can cost over $1,000.
6. Price: Comprehensive supplemental insurance for a one-week trip typically costs between $30 and $70.
7. Good to know: The included visa insurance is basic; consider a comprehensive policy for better overall protection.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share everything you need to know to choose the best travel insurance for Saudi Arabia.
The best travel insurances for Saudi Arabia
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | A comprehensive choice for Saudi Arabia, offering high protection and quick help. - very high medical limit - medical evacuation included - covers critical events |
| Cap Assistance 24/24 | $1.1M | A flexible plan with strong coverage, good for Saudi Arabia travel. - 24/7 emergency helpline - cancellation cover - reliable assistance worldwide |
| Tourist Card | $545k | Good value for standard tourism needs. - solid medical cover - emergency assistance - efficient claims service |
| Travel Pass Monde | $765k | Balanced coverage for a variety of travel activities. - hospital and evacuation covered - repatriation - suits business or leisure |
| Globe Partner | $328k | Essential cover for general stays in Saudi Arabia. - emergency treatment abroad - civil liability - straightforward claims process |
| Globe Traveller | $545k | Simple, suitable for short and low-risk trips. - basic medical cover - fast reimbursement - minimum requirements for Saudi Arabia visas |
- very high medical limit
- medical evacuation included
- covers critical events
- 24/7 emergency helpline
- cancellation cover
- reliable assistance worldwide
- solid medical cover
- emergency assistance
- efficient claims service
- hospital and evacuation covered
- repatriation
- suits business or leisure
- emergency treatment abroad
- civil liability
- straightforward claims process
- basic medical cover
- fast reimbursement
- minimum requirements for Saudi Arabia visas
Good to know
The insurers above are the ones we generally recommend for their quality of service and value for money. However, please note that travel insurance for Saudi Arabia is already included in the visa. That said, it is often advisable to purchase additional coverage, particularly for trip cancellation, baggage protection, or more comprehensive medical evacuation.
Is it currently safe to travel to Saudi Arabia?
As of June 2025, the US Department of State advises travelers to exercise increased caution when visiting Saudi Arabia. Travel is not officially discouraged, but particular attention is required due to regional and security concerns.
Here are their four main recommendations.
- Security risks: terrorist attacks and missile strikes from Yemen remain a persistent threat, especially near border areas like Najran and Qatif. These incidents have resulted in casualties among foreign nationals and locals alike.
- Health risks: while routine vaccinations are not required for US citizens, health care quality varies widely. In smaller cities or remote regions, advanced medical care may be unavailable, making emergencies challenging—especially for those visiting the Empty Quarter desert.
- Legal constraints: strict bans apply to the importation of alcohol, pork, drugs, offensive materials, and some medications. Social media activity deemed critical of the government has led to lengthy prison sentences, as seen in high-profile international cases.
- Cultural norms: norms regarding public conduct are rigorously enforced. For instance, failing to dress modestly or being seen eating in public during daylight hours in Ramadan may prompt police intervention, especially in cities like Riyadh or Medina.
Travel insurance is mandatory to enter Saudi Arabia. It must cover at minimum medical care and repatriation costs, as these expenses can be significant in case of illness or accident during your stay.
Travel insurance required for the visa to Saudi Arabia
Yes, travel insurance is mandatory for US travelers applying for a visa to Saudi Arabia.
To obtain a visa, travelers must show proof of travel insurance with medical coverage for the full duration of their visit. The policy must comply with Saudi consular requirements and provide adequate coverage for emergency healthcare and medical evacuation. The insurance must be valid in Saudi Arabia and typically integrated into the visa application process.
Why take out travel insurance for Saudi Arabia?
Travel insurance is a legal requirement to obtain a visa for visiting Saudi Arabia.
It is an essential financial and medical protection for anyone going to Saudi Arabia.
In Saudi Arabia, private medical facilities such as Dr. Sulaiman Al Habib Medical Group in Riyadh or King Faisal Specialist Hospital are well-equipped, but costs are very high for foreigners. Access to public hospitals is limited and not recommended for non-residents, which means travelers rely on expensive private care in major cities.
Travel insurance covers medical expenses, hospitalization costs, medications, ambulance transportation, and repatriation costs to the US in case of a serious issue.
Here are some examples of healthcare costs in Saudi Arabia.
| Example of medical treatment | Cost at Dr. Sulaiman Al Habib Medical Group | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 18,000 SAR (approx. $4,800) | Up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 12,000 SAR (approx. $3,200) | Up to 100% |
| I need to be repatriated | 75,000 SAR (approx. $20,000) | Up to 100% |
| I have appendicitis (consultation and surgery) | 22,000 SAR (approx. $5,900) | 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 Saudi Arabia should cover
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers medical care and hospitalization for injuries or illness during your trip. Recommended: at least $150,000 in reimbursement limits because private clinics can be very expensive. |
| 🚑 Medical evacuation | Pays for air or ground transport to the US or another country if local care is not sufficient. Recommended: minimum $100,000 for evacuation and repatriation services. |
| 🧳 Baggage loss/delay | Reimburses loss, theft, or significant delay of baggage and personal items. Recommended: coverage of $2,000 or more for checked or cabin luggage. |
| 📞 24/7 Emergency support | Access to English-speaking hotlines, local partners, and emergency coordination for all travel incidents. Recommended: unlimited, available 24/7 worldwide. |
| ✈️ Trip cancellation | Refunds prepaid travel costs if your trip is cancelled for covered reasons (illness, accident, etc.). Recommended: coverage equal to the total trip cost (flights, hotels). |
| 🚧 Personal liability | Protects you if you cause unintentional damage to others or their property. Recommended: at least $50,000 for liability expenses. |
| 🦠 Pandemic & quarantine | Covers extra costs linked to quarantine, disruption, or health measures if you contract COVID-19 or similar risks. Recommended: minimum $1,000 for additional accommodation/meals. |
Recommended: at least $150,000 in reimbursement limits because private clinics can be very expensive.
Recommended: minimum $100,000 for evacuation and repatriation services.
Recommended: coverage of $2,000 or more for checked or cabin luggage.
Recommended: unlimited, available 24/7 worldwide.
Recommended: coverage equal to the total trip cost (flights, hotels).
Recommended: at least $50,000 for liability expenses.
Recommended: minimum $1,000 for additional accommodation/meals.
Travel insurance from local providers or bank cards often provides limited coverage, with low reimbursement limits and multiple exclusions. It is safer to choose a trusted insurer with comprehensive coverage. Compare the best options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Saudi Arabia
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $38 |
| 2 weeks | 45 years old | $59 |
| 1 month | 35 years old | $93 |
| 1 month | 70 years old | $152 |
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 will vary based on several key details: your age, the duration of your trip, your destination, the coverage limits you choose, and any optional add-ons like trip cancellation. It's important to keep these factors in mind to select the right plan for your needs and 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 Saudi Arabia
Here are some suggestions to optimize the cost of your travel insurance to Saudi Arabia while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🛡️ Level of coverage | Medical care quality varies greatly in Saudi Arabia. Consider plans with solid medical protection. | Choose essential medical coverage and avoid unnecessary extras to reduce your premium. |
| 👨👩👦 Number of travelers | Insuring multiple people may increase costs. Group policies or family plans can offer savings. | Look for family or group plans which often provide lower rates per person than individual policies. |
| ⏳ Trip duration | The length of your stay directly affects the price, especially for longer trips in remote areas. | Limit coverage to the actual travel dates, not extra days, to save on your insurance cost. |
| ✈️ Activities coverage | Riskier or adventure activities may require special add-ons and higher premiums in Saudi Arabia. | Exclude optional activity coverage if your trip does not involve high-risk excursions. |
| 🏥 Pre-existing conditions | Plans with coverage for pre-existing conditions are generally more expensive. | If you do not need pre-existing conditions cover, choose a standard policy to reduce your premium. |
| 💶 Deductible amount | Choosing a higher deductible usually results in a lower premium, but increases your out-of-pocket expenses. | Opt for a higher deductible only if you can afford to pay more in case of a claim. |
| 🎂 Traveler’s age | Age can influence the premium. Some insurers charge more after a certain age, especially for seniors. | Heymondo does not increase its prices for people over 62, which can be cost-effective for older travelers. |
Important
Travel insurance is mandatory for U.S. travelers to obtain a tourist visa for Saudi Arabia. It must include at least SAR 375,000 (about $100,000) in medical coverage and repatriation.
Coverage of your current insurance in Saudi Arabia
It is legitimate to consider whether your existing policies, such as private health or credit card insurance, will protect you during a trip to Saudi Arabia. Unfortunately, this coverage is often limited or simply not valid abroad. If you are from the US, travel insurance that meets embassy requirements is mandatory to obtain a short-stay visa for Saudi Arabia.
Here is a summary table to help you review your current insurance and what it covers.
| Type of Insurance | Valid in Saudi Arabia? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage for medical care or hospitalization outside the US. | Travel insurance covers $100,000+ in medical expenses and emergency evacuation. |
| Private health insurance (Blue Cross, Aetna) | Yes, partly | Some emergency care abroad. Typical max reimbursement: $50,000. Does not cover repatriation. | Travel insurance provides $100,000+ for medical care and unlimited evacuation. |
| Classic credit card (Visa Classic, Mastercard Standard) | Yes, partly | Medical coverage up to $2,500, no trip cancellation, minimal baggage protection. | Travel insurance covers $100,000+ medical, baggage, cancellation, and 24/7 assistance. |
| Premium credit card (Chase Sapphire, Amex Platinum, Mastercard World Elite) | Yes, partly | Medical up to $100,000. Limited trip delay and lost luggage benefits. | Travel insurance covers higher caps and trip cancellation, and pays claims more reliably. |
Example
During a desert safari near Riyadh, a rollover accident left Mark with severe internal injuries. The emergency surgery and ICU stay totaled $65,000. His American Express Platinum card's travel benefit was capped at $10,000, and his US health insurance deemed the private Saudi hospital out-of-network, leaving him with a crippling $55,000 bill.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Key situations, like trip interruption due to a relative’s illness, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.
FAQ
Do I need a visa to travel to Saudi Arabia?
Yes, U.S. citizens need a visa to enter Saudi Arabia. You must have a passport valid for at least six months from your date of entry, and there should be at least one blank page available for the entry stamp. Tourist visas can typically be obtained online or through an authorized agency. It is important to start the application process well ahead of your trip.
How do I purchase travel insurance for Saudi Arabia?
To purchase travel insurance for Saudi Arabia, start by comparing plans, using resources such as the HelloSafe travel insurance comparison tool. Carefully check the policy’s coverage, ensuring it fits travel needs specific to Saudi Arabia and watch for key exclusions. You can then buy your chosen plan online and will receive your insurance certificate by email, often within minutes.
What should my travel insurance cover for Saudi Arabia?
Travel insurance for Saudi Arabia should include emergency medical coverage, medical evacuation, trip cancellation or interruption, and personal liability. It is also recommended to check for coverage of passport loss, theft of personal belongings, and coverage for delays. Always verify that your plan includes high enough medical limits for major emergencies, given the variation in healthcare quality.
Are there any special travel risks for Saudi Arabia that should affect my insurance choice?
Travelers to Saudi Arabia should be aware of risks from terrorist activity, civil unrest, and the possibility of medical emergencies. Insurance should cover emergency evacuation and repatriation in case of severe incidents. It is also wise to consider the country’s strict legal and cultural context, making sure you are protected if your trip is unexpectedly disrupted.
Can I get medical treatment in Saudi Arabia with my travel insurance?
Yes, good travel insurance allows you to access private medical care in Saudi Arabia, where the quality of hospitals varies. In case of an emergency, your insurer can help direct you to approved clinics and hospitals and often provide direct payment assistance. Be sure to keep your policy details and emergency contact information accessible at all times.
What should I do if I need to make a claim while in Saudi Arabia?
If you need to make a claim, contact your travel insurer’s emergency assistance line as soon as possible for guidance. Keep all documentation, such as medical bills and police reports, to support your claim. Most insurers allow claims to be filed online or via email, and quick notification helps prevent delays in processing reimbursement.
Do I need a visa to travel to Saudi Arabia?
Yes, U.S. citizens need a visa to enter Saudi Arabia. You must have a passport valid for at least six months from your date of entry, and there should be at least one blank page available for the entry stamp. Tourist visas can typically be obtained online or through an authorized agency. It is important to start the application process well ahead of your trip.
How do I purchase travel insurance for Saudi Arabia?
To purchase travel insurance for Saudi Arabia, start by comparing plans, using resources such as the HelloSafe travel insurance comparison tool. Carefully check the policy’s coverage, ensuring it fits travel needs specific to Saudi Arabia and watch for key exclusions. You can then buy your chosen plan online and will receive your insurance certificate by email, often within minutes.
What should my travel insurance cover for Saudi Arabia?
Travel insurance for Saudi Arabia should include emergency medical coverage, medical evacuation, trip cancellation or interruption, and personal liability. It is also recommended to check for coverage of passport loss, theft of personal belongings, and coverage for delays. Always verify that your plan includes high enough medical limits for major emergencies, given the variation in healthcare quality.
Are there any special travel risks for Saudi Arabia that should affect my insurance choice?
Travelers to Saudi Arabia should be aware of risks from terrorist activity, civil unrest, and the possibility of medical emergencies. Insurance should cover emergency evacuation and repatriation in case of severe incidents. It is also wise to consider the country’s strict legal and cultural context, making sure you are protected if your trip is unexpectedly disrupted.
Can I get medical treatment in Saudi Arabia with my travel insurance?
Yes, good travel insurance allows you to access private medical care in Saudi Arabia, where the quality of hospitals varies. In case of an emergency, your insurer can help direct you to approved clinics and hospitals and often provide direct payment assistance. Be sure to keep your policy details and emergency contact information accessible at all times.
What should I do if I need to make a claim while in Saudi Arabia?
If you need to make a claim, contact your travel insurer’s emergency assistance line as soon as possible for guidance. Keep all documentation, such as medical bills and police reports, to support your claim. Most insurers allow claims to be filed online or via email, and quick notification helps prevent delays in processing reimbursement.
