What are the best travel insurances for Taiwan in 2025?
- The best travel insurance plans for Taiwan
- Is it currently safe to travel to Taiwan?
- Is travel insurance required by law to enter Taiwan?
- Why take out travel insurance for Taiwan?
- What travel insurance for Taiwan should cover
- The Cost of Travel Insurance for Taiwan
- How to Pay Less for Your Travel Insurance to Taiwan
- Your Current Insurance Coverage in Taiwan
- FAQ
Travel insurance for Taiwan: key takeaways
1. Definition: Travel insurance for Taiwan covers medical emergencies, trip cancellation, and other unexpected travel-related issues.
2. Key protection: While not mandatory, insurance is vital for covering potential high medical costs and emergencies.
3. Healthcare cost: A hospital stay in Taiwan can cost foreign visitors several hundred dollars per night.
4. Price: A one-week travel insurance policy for Taiwan typically costs between $30 and $60.
5. Good to know: Consider policies covering natural disasters like typhoons and earthquakes, which can occur in Taiwan.
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 here everything you need to know to choose the best travel insurance for Taiwan.
The best travel insurance plans for Taiwan
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Leading choice for comprehensive Taiwan travel. - very high medical ceiling - strong repatriation cover - covers natural disasters |
| Cap Assistance 24/24 | $1.1M | Ideal for travelers valuing quick support and robust guarantees. - 24/7 emergency help - free cancellation option - no deductible |
| Tourist Card | $550k | Practical option for vacations in Taiwan. - solid medical cover - emergency and hospital assistance - competitive price |
| Travel Pass Monde | $770k | Good balance for various situations in Taiwan. - repatriation and evacuation - covers earthquakes - global assistance |
| Globe Partner | $330k | Basic and reliable for longer stays. - medical and hospital cover - civil liability - easy claim process |
| Globe Traveller | $550k | Best for shorter trips on a budget. - essential medical cover - fast claim settlement - lower ceiling |
- very high medical ceiling
- strong repatriation cover
- covers natural disasters
- 24/7 emergency help
- free cancellation option
- no deductible
- solid medical cover
- emergency and hospital assistance
- competitive price
- repatriation and evacuation
- covers earthquakes
- global assistance
- medical and hospital cover
- civil liability
- easy claim process
- essential medical cover
- fast claim settlement
- lower ceiling
Is it currently safe to travel to Taiwan?
As of June 2025, the U.S. Department of State assesses the safety level for travel to Taiwan at Level 1: exercise normal precautions, with no significant security threats for most visitors.
Here are their four main recommendations.
- Security risks: street crime is rare but petty theft may occur in crowded spaces such as night markets in Taipei. Occasional political demonstrations can disrupt traffic or access to certain areas, especially around government buildings.
- Health risks: no vaccinations are required for entry, but local health authorities report cases of dengue fever, particularly in the southern regions during the summer. Modern hospitals are available in cities, but medical care may be challenging to access in remote areas.
- Natural hazards: typhoon season runs from May to November, and sudden storms or flooding can impact transport and infrastructure, with five typhoon warnings per year on average. Earthquakes are frequent, and a 7.4 magnitude earthquake struck Hualien County in April 2024.
- Legal considerations: overstaying the 90-day visa-free stay may result in fines or deportation. Visitors should also note that drug laws are strictly enforced, with severe penalties for possession.
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 Taiwan.
Is travel insurance required by law to enter Taiwan?
Travel insurance is not mandatory for travelers from the United States to enter Taiwan.
It is still strongly recommended to have comprehensive travel insurance. Medical care in Taiwan can be expensive for foreigners, and policies covering medical expenses, hospitalization, and emergency repatriation will help protect you in the event of unexpected illness, accident, or natural disaster.
According to our data, 80% of travelers purchase travel insurance before going to Taiwan. This high percentage reflects both the potential medical costs and the frequency of natural events such as typhoons and earthquakes.
Why take out travel insurance for Taiwan?
It is an essential financial and medical protection for anyone going to Taiwan.
In Taiwan, foreigners are expected to pay full price at private clinics and hospitals such as Taipei Medical University Hospital or Chang Gung Memorial Hospital. In Taipei, Kaohsiung, and Taichung, high-quality care is available, but costs in private facilities can quickly accumulate, especially for emergencies or hospitalizations.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in the event of a serious incident.
Here are some examples of healthcare costs in Taiwan.
| Example of medical treatment | Cost at Taipei Medical University Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | TWD 75,000 (about $2,320) | up to 100% reimbursed according to policy |
| I broke my tibia (X-ray, cast, and crutch rental) | TWD 52,000 (about $1,610) | up to 100% reimbursed according to policy |
| I need to be repatriated | TWD 800,000 (about $24,800) | up to 100% reimbursed according to policy |
| I have appendicitis (consultation and surgery) | TWD 110,000 (about $3,410) | up to 100% reimbursed according to policy |
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 Taiwan should cover
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses and hospitalization | Covers urgent care, hospitalization, consultations, prescription drugs and surgery. We recommend a reimbursement limit of at least $100,000 due to private clinic costs. |
| 🩺 Emergency medical evacuation and repatriation | Covers the cost of medical evacuation to another country or back to the US in a serious emergency. For Taiwan, a limit of $100,000 is advised due to air ambulance costs. |
| 💼 Baggage and personal belongings | Reimburses for loss, theft or damage to your luggage and valuables. Choose coverage of at least $2,000 for electronics and essentials. |
| ✈️ Trip cancellation and curtailment | Covers non-refundable expenses if you have to cancel or cut short your trip for a covered reason. A limit of $5,000 per person is sufficient for most trips to Taiwan. |
| 🕑 Travel delay | Compensation for additional costs due to flight delays or extended layovers. Opt for at least $300 per day, with a minimum 8-12 hour delay. |
| ⚖️ Civil liability overseas | Protects you if you accidentally cause injury or damage to others. Recommended minimum: $100,000. |
| 🦟 Infectious diseases and natural disaster | Covers unexpected events like dengue, typhoons or earthquakes. Check that your policy lists infectious diseases and natural disasters as covered events. |
We recommend a reimbursement limit of at least $100,000 due to private clinic costs.
For Taiwan, a limit of $100,000 is advised due to air ambulance costs.
Choose coverage of at least $2,000 for electronics and essentials.
A limit of $5,000 per person is sufficient for most trips to Taiwan.
Opt for at least $300 per day, with a minimum 8-12 hour delay.
Recommended minimum: $100,000.
Check that your policy lists infectious diseases and natural disasters as covered events.
Travel insurance offered by local companies or included with bank cards often has lower limits and more exclusions. It is safer to choose a reputable insurer that offers comprehensive coverage. Compare leading policies on HelloSafe and sign up online for instant proof of insurance.
The Cost of Travel Insurance for Taiwan
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $18 |
| 2 weeks | 45 years old | $32 |
| 1 month | 35 years old | $45 |
| 1 month | 70 years old | $96 |
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 will depend on several key factors, including: the traveler's age, the duration of your stay, your destination, and any optional add-ons like trip cancellation. Keeping these elements in mind is crucial to selecting the right policy that fits your needs and budget for a worry-free trip.
💡 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 Taiwan
Here are some suggestions to optimize the cost of your travel insurance to Taiwan while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🧑 Age of traveler | Age significantly impacts premiums, especially for older travelers in Asia. | Compare insurers' age brackets. Heymondo does not increase its prices for people over 62. Selecting them may save seniors money. |
| 🏥 Level of coverage | Medical care in Taiwan is high-quality but can be costly for tourists. | Opt for $100,000–$250,000 medical coverage and consider removing or lowering unnecessary extras for lower premiums. |
| 📍 Trip duration | The longer your stay, the higher the premium—coverage is priced per day. | Adjust your policy period exactly to your travel dates. Avoid paying for days you do not need coverage. |
| 🧳 Activities planned | Adventure sports or hiking increase risk and policy cost—Taiwan offers many such activities. | Select only the activity coverage you will use in Taiwan and avoid high-risk add-ons if not necessary. |
| 🤒 Pre-existing conditions | Disclosing these can increase the policy price and restrict options. | If your condition is stable, some insurers offer coverage with a surcharge; otherwise, choose policies that exclude it to save. |
| 👨👩👧👦 Family/group plans | Group policies often offer better individual rates, ideal for families or friends. | If traveling with others, compare group versus individual quotes—group plans can reduce costs per person. |
| 💳 Deductible and copay | Higher deductibles/lower copays reduce the price but increase out-of-pocket expense. | Choosing a higher deductible will significantly lower your premium, but ensure you can afford it if you file a claim. |
Your Current Insurance Coverage in Taiwan
It’s completely legitimate to wonder whether your existing coverage—such as credit card insurance or your public health system—can protect you during a trip to Taiwan. Unfortunately, this coverage is often limited or insufficient for travel abroad.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Taiwan? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage for medical costs outside the US. Routine or emergency care not reimbursed. | Travel insurance covers up to $500,000 for medical and evacuation. |
| Private health insurance (Aetna, Cigna, UnitedHealthcare) | Yes, partly | Some plans reimburse emergencies. No repatriation. Limits often $25,000–$50,000. Exclusions common. | Travel insurance pays $100,000–$1,000,000 + repatriation, 24/7 hotline. |
| Classic credit card (Chase Freedom, Citi Double Cash, Wells Fargo Active Cash) | Yes, partly | Medical emergencies <$10,000. Limited trip delay, baggage loss, high deductibles, no repatriation. | Travel insurance includes $100,000+ medical and $2,000 baggage loss. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical under $100,000. Trip cancellation/delay coverage capped at $10,000. No routine care. | Travel insurance covers up to $1,000,000, plus support for lost docs, emergencies. |
Example
While scootering in Taipei, Sarah had a bad fall, resulting in a complex leg fracture. The surgery and hospital stay totaled $25,000. Her US health plan considered it out-of-network with a huge deductible, and her Chase Sapphire card's emergency medical coverage was capped at $2,500, leaving her to pay $22,500.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Critical events, like trip interruption due to a relative’s illness, might be excluded. Read the conditions carefully to avoid 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 Taiwan?
If you are a US citizen, you do not need a visa for Taiwan when visiting as a tourist for up to 90 days. Your passport must be valid for the duration of your stay and you may need to show proof of onward or return travel. Longer stays or work purposes require a pre-arranged visa.
How do I purchase travel insurance for Taiwan?
First, compare plans using a travel insurance comparison tool such as HelloSafe to find options that match your needs and budget. Next, review coverage details and exclusions, including those specific to Taiwan like emergency evacuation and weather-related events. Once you choose, buy online and you will receive your insurance certificate electronically.
Are there specific risks in Taiwan that my travel insurance should cover?
Yes, Taiwan is prone to typhoons from May to November and experiences earthquakes. It is important to select a policy with adequate coverage for natural disasters, medical emergencies, and possible evacuation since local medical facilities might not meet US standards in every area.
Will travel insurance cover emergency medical care and evacuation in Taiwan?
Most comprehensive travel insurance plans include emergency medical care and medical evacuation. Check the policy for coverage limits, which often range from $100,000 to $500,000. Evacuation insurance is particularly recommended since advanced medical care may require transport to another country.
Is travel insurance valid for adventure activities in Taiwan?
Not all travel insurance automatically covers adventure activities such as hiking, scuba diving, or motorbike riding. If you plan these activities in Taiwan, make sure your policy either includes or offers an add-on for adventure sports and hazardous activities to avoid coverage gaps.
How do I get assistance from my travel insurance provider during my stay in Taiwan?
If you experience an emergency in Taiwan, contact the insurer’s 24/7 assistance hotline immediately, which is usually provided on your certificate or policy documents. The service will guide you to approved medical facilities, arrange direct payment if your policy allows, and support with any claims process while abroad.
Do I need a visa to travel to Taiwan?
If you are a US citizen, you do not need a visa for Taiwan when visiting as a tourist for up to 90 days. Your passport must be valid for the duration of your stay and you may need to show proof of onward or return travel. Longer stays or work purposes require a pre-arranged visa.
How do I purchase travel insurance for Taiwan?
First, compare plans using a travel insurance comparison tool such as HelloSafe to find options that match your needs and budget. Next, review coverage details and exclusions, including those specific to Taiwan like emergency evacuation and weather-related events. Once you choose, buy online and you will receive your insurance certificate electronically.
Are there specific risks in Taiwan that my travel insurance should cover?
Yes, Taiwan is prone to typhoons from May to November and experiences earthquakes. It is important to select a policy with adequate coverage for natural disasters, medical emergencies, and possible evacuation since local medical facilities might not meet US standards in every area.
Will travel insurance cover emergency medical care and evacuation in Taiwan?
Most comprehensive travel insurance plans include emergency medical care and medical evacuation. Check the policy for coverage limits, which often range from $100,000 to $500,000. Evacuation insurance is particularly recommended since advanced medical care may require transport to another country.
Is travel insurance valid for adventure activities in Taiwan?
Not all travel insurance automatically covers adventure activities such as hiking, scuba diving, or motorbike riding. If you plan these activities in Taiwan, make sure your policy either includes or offers an add-on for adventure sports and hazardous activities to avoid coverage gaps.
How do I get assistance from my travel insurance provider during my stay in Taiwan?
If you experience an emergency in Taiwan, contact the insurer’s 24/7 assistance hotline immediately, which is usually provided on your certificate or policy documents. The service will guide you to approved medical facilities, arrange direct payment if your policy allows, and support with any claims process while abroad.
