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Is it worth it for Seoul?

If you're a regular traveller l am surprised you haven't taken out travel insurance previously than includes medical coverage. In many countries public health arrangements are not so good and most require you to have medical insurance to cover the cost.

IMGlobal is a good option, too. I use them whenever I go to America, and they have plans for Americans traveling abroad etc.

@Kevan, I travel internationally a lot for work and they cover it. This trip is for leisure.

This topic has been closed to new posts due to inactivity.

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South Korea Hotels and Places to Stay

7 Best South Korea Travel Insurance Plans for US Citizens in 2024

Updated on January 10, 2024 by Matthew H. Nash – Licensed Insurance Agent

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to South Korea travelers. Learn more at the end of this page.

STARTING PRICE FOR 2-WEEK TRIP TO THE SOUTH KOREA

CAN YOU CANCEL YOUR TRIP FOR ANY REASON? 

BEST  WEBSITE FOR

Comparing Policies

• Compare dozens of the best South Korea travel insurance policies from all the major providers in one place
• Easily filter for the features you want and get support from their award-winning customer service team
• Founded in 2013, TravelInsurance.com has helped hundreds of thousands of travelers find affordable insurance coverage

BEST  POLICY FOR

Fast Claims

• Super fast claims via their 100% digital platform with a helpful mobile app
• Faye makes it easy to add-on coverage for vacation rentals, adventure/extreme sports, pet emergencies, and “cancel for any reason” at competitive prices
• Underwritten by Crum & Forster, Faye is known for its exceptional customer support, with 4.8/5 stars on Trustpilot

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

BEST POLICY FOR

Travelers Aged 55+

• Pre-existing medical conditions are covered for a reasonable fee and they offer “cancel for any reason” as an add-on
• $2,000 COVID quarantine coverage available w/ Safe Travels Voyager plan
• Founded in 1998 and underwritten by Nationwide and GBG Insurance

BEST WEBSITE FOR

Filtering Plans

• This comparison website has the most comprehensive filters especially for Covid-19 which helps you search for the specific benefits you need
• They have “Zero Complaint Guarantee” which promises a fair claims process
• Established in 2003, Squaremouth has consistently been recognized for it’s exceptional customer service

BEST POLICY FROM

An Established Brand

• Well rounded, inexpensive travel insurance plans from an established and top rated global insurance company
• AXA has plans that cover pre-existing conditions and their “Platinum” plan covers “cancel for any reason” with an optional add-on. They also offer helpful 24/7 Worldwide Travel Assistance Services
• Founded in 1959 and underwritten by Nationwide

Family Travel

• Their “Trip Interruption for any Reason” feature allows you to get a 75% reimbursement for any additional expenses if you decide to go home early from your trip
• They have a variety of insurance products to suit any travel needs
• Founded in 1993 and underwritten by Nationwide Insurance

Long-term Travel

• Ideal for digital nomads and long-term travel, available to anyone anywhere
• Scored lower because short-term travel coverage isn’t as robust as competitors
• Founded in 2018 and is underwritten by Lloyds of London

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

South Korea travel insurance FAQs

When should i purchase my south korea travel insurance.

It’s best to get your South Korea travel insurance policy as soon as you book your trip, especially if you plan to get a Trip Cancellation plan since it will cover you and any travel companions you insure against unforeseen events prior to and during your vacation. Moreover, suppose you intend to purchase a “Cancel for Any Reason” (CFAR) or a Pre-Existing Condition upgrade package. In that case, you can only do so within 14-21 days from when you booked your airline tickets or paid a deposit on your trip. Please verify with your preferred insurer their requirements for these optional packages.

What do trip delay expenses include?

While benefits may vary from one provider to another, most policies cover meals, hotels or other accommodations, internet access, and local ground transportation under their trip delay benefits. Your policy will state a daily limit, which usually ranges from $150-$200 until you reach your maximum trip delay benefit amount.

Will my South Korea trip insurance policy reimburse me for a 2-hour flight delay?

The flight delay required for trip delay benefits to kick in varies between policies and providers, but generally, the minimum is 3 hours. However, many policies state that trip delay benefits only become available if there is a 6 to 12-hour delay. Note that you will only be eligible for these benefits if the reason for your flight’s delay is “covered,” such as weather conditions, air traffic problems, aircraft maintenance, etc. Check the specifics of any policy you’re interested in before you buy it.

What does my South Korea travel insurance exclude from coverage?

Standard policies without optional add-ons or upgrade packages limit coverage to unexpected events. While you may find that your South Korea trip insurance plan offers comprehensive coverage, there are a few things it does not cover. For example, if you cancel or change your travel plans due to a change of mind or mood, including no longer wanting to vacation with your travel companion or deciding your current workload is too heavy for you to travel. However, if you purchase a Seven Corners Cancel for Any Reason (CFAR) package , you can get reimbursed up to 75% of your total trip costs, regardless of your reason for cancellation.

What should I do if I have an emergency while traveling in South Korea?

If you or your travel companion(s) have a medical emergency during your time in South Korea, dial 119 from any phone. This will connect you with fire, ambulance and other emergency services. Should you need the police, dial 112. Many people in South Korea, particularly in the larger cities, speak English to some degree, so if you need help but don’t have a phone, shout “Help!” or say “Dowajuseyo!” (pronounced Doh-wah-jus-ay-oh). Should you or anyone else insured on your policy has a medical emergency, contact your travel insurance provider via their dedicated customer support line. They can often arrange transport to the nearest hospital comparable to US standards. You can rest assured that healthcare in South Korea is of a high standard, especially the “ international hospitals ” in the larger cities, which have a team of English-speaking nurses, doctors, and specialists. If you find yourself near Gangnam or Olympic Park, an excellent hospital near the Jamsil (chahm-sheel) Station called Asan Medical Center serves international citizens regularly.

Does trip insurance cover rental car collisions?

Most standard trip insurance policies do not include rental car collisions in their coverage. However, some insurers may offer optional upgrades that will cover such incidents. Keep in mind that these upgrades often do not extend coverage to RVs, long-term car rentals, or luxury cars. That said, most people purchase separate insurance plans from their car rental company to cover accidents and any damage to the vehicle. You can also check with your auto insurance company in the US to see if they cover rental car collisions abroad, particularly in South Korea.

Do travel insurance policies cover Airbnb or vacation rentals that go wrong?

There is no one-size-fits-all answer to this question. To find out whether your trip cancellation and trip interruption benefits extend to vacation rentals, read the full details of your policy. The more expensive, and thus comprehensive, plans tend to cover your accommodations in such circumstances. If your standard policy doesn’t, you can get a “Cancel for Any Reason” (CFAR) plan, as those benefits include coverage for short-term rentals. Be aware that CFARs will reimburse up to 75% of your accommodation cost should you need to use these benefits.

Will my South Korea trip insurance plan cover canceled flights?

South Korea trip insurance usually covers canceled flights, as long as it’s for approved reasons and it happens for at least 24 hours. Approved reasons for canceled flights include inclement weather, an employee strike or a natural disaster. That said, if you need to cancel your flight due to the injury, illness or death of you, a travel companion or a family member, it will also fall under coverage. Further approved reasons included civil unrest, jury duty summons and short-notice military deployment.

Most common problems while traveling in South Korea and how to avoid them:

The most common afflictions tourists experience are head colds, sore throats, fever, and respiratory and sinus issues due to poor air quality that usually results from air pollution and dust from the Mongolian desert. You may hear South Koreans refer to springtime as the yellow dust season. It’s always a good idea to carry a mask with you in case you encounter such a day. Another concern is traveler’s diarrhea, which can keep you running to the toilet in your hotel room or vacation rental for several days. The best way to minimize your risk of developing traveler’s diarrhea is to eat only in restaurants or at food trucks that appear clean and are busy. Also, steer clear if you see any raw meat or seafood lying around without being on the ice. Finally, remember to wash your hands frequently. While viruses like Hepatitis A and malaria are quite rare among travelers, you may come down with the flu, a common cold, or COVID-19. Seek medical assistance as needed. Medical standards in South Korea are quite high, and many “ international hospitals ” in larger urban areas have a dedicated staff of English speakers.

Travelers to South Korea experience the most typical accidents from tripping and falling or participating in adventure sports and activities. With incredible mountains and beautiful coastlines, many tourists can’t wait to go hiking, skydiving, ziplining, scuba diving, surfing, bungee jumping, parasailing, and white water rafting while on vacation. Whether it’s a sprained wrist, scraped knee or twisted ankle, you can rest assured that South Korean hospitals will take good care of you.

With very few violent crimes against foreigners and people in public, South Korea is an extremely safe destination for travelers. Pickpocketing happens occasionally, but it’s nothing most travelers are used to in other countries. Even rarer are muggings. Of course, exhibiting a basic level of caution and common sense are always advised.

Emergency resources for South Korea

Phone numbers.

Dial 112 to reach the police and 119 from any phone if you need to reach fire, medical or other emergency services. You can also dial 1330, a hotline specifically for travelers. They can connect you with the appropriate emergency services, including the Tourist Police and even translate for you.

US embassy or consulate details

The US Embassy in South Korea is located in the country’s capital, Seoul, and there is a Consulate General in the southern port city of Busan. For their address, phone number, hours of operation, and details on citizen services, please visit the Embassy’s website . If you wish to take extra precautions, consider registering your South Korea trip with the Department of State’s Smart Traveler Enrollment Program . By listing your itinerary with STEP, you will receive travel alerts from the State Department about your travel dates and South Korea. In addition, should an emergency involving you or a relative arise, being registered with STEP will make it easier for the US Embassy in Seoul to communicate with you or your family.

Other local knowledge that is helpful for travelers

Accommodations.

South Korea has an abundance of accommodations throughout the country to suit all preferences and budgets. Types of accommodation range from luxury hotels and tourist hotels to motels, guest houses and hostels. Due to the sheer volume of choice, reservations may not be necessary for smaller places unless it’s during Lunar New Year, Golden Week or Chuseok (Korean Thanksgiving). Stars or diamonds in South Korea do not rank hotels. Instead, they denote different tiers of quality and luxury using 1-5 flowers, 5 being the most luxurious and 1 being the most basic. These flowers appear on the front facade or doors of any hotel. Be sure to request a “Western” room on the heated floors with thin cushions and blankets unless you prefer to sleep Korean-style. For people who don’t need much in the way of luxury, a motel may be your best option as they provide all the basics, including shampoo, soap, hair dryers, flat-screen televisions, high-speed internet and a fridge stocked with free drinks. Just steer clear of the ones with pink on their facades or in their lobbies or “romance-inspired” decor, as these tend to be “love motels,” seedier versions of the average motel. Keep in mind that motels in South Korea bear little resemblance to motels in the US. You can generally find guest houses near train and bus stations. They are usually cheaper than motels but more expensive than hostels. Quality varies immensely from one place to the next, but on the whole, they are more basic than motels. Some are housed in old traditional Korean homes called hanok. In such cases, you will generally sleep on a heated floor (ondol) with blankets. Hostels are usually limited to large urban centers and will be your cheapest option, aside from camping in national parks . Other alternatives include doing a temple-stay in which you book a bed in the temple of your choice for a certain period. However, temple stays are not particularly cheap, and you must make reservations well in advance. For more information, check out this site .

Communication

South Korea is the most technologically-advanced country in the world. Between the newest smartphones, smart homes and 5G networks, it’s no wonder that much of this East Asian country seems to move at warp speed. If you’re concerned about staying connected and keeping in touch with loved ones while on vacation, you can take a few different approaches. If you want around-the-clock connectivity, you can add international roaming for South Korea to your plan with your US mobile carrier. This will be the most expensive of the options. Be sure to turn off the background data on your phone or else you could end up with a phone bill of several hundred dollars more than you expected. It is also worth mentioning that most US mobile carriers offer little in the way of data allowances when it comes to international roaming. If you choose this route, download any apps and offline maps you may need whenever you connect to a free WiFi network. One alternative is to rely entirely on free WiFi throughout your trip to South Korea. It’s pretty easy to do, especially in cities as nearly all accommodations, cafes and major train and bus stations have WiFi networks open to the public. So while you won’t be connected 24/7, you will be able to communicate with loved ones frequently via email, social networks, calling, and messenger apps. Another more cost-effective possibility is pre-ordering a prepaid SIM card online via Klook and picking it up at the designated kiosk in Incheon International Airport upon arrival. However, if you feel uncomfortable doing this, you can wait until you arrive at Incheon and pay for it in person. The downside to this option is that you may end up standing in line for as much as an hour. Either way, you can buy a data-only plan or one that includes local calling and texting. The three major mobile carrier companies in South Korea are LG U+, SKT and KT, all of which have kiosks in both Terminals 1 and 2 at Incheon. Most importantly, you will need an unlocked phone to add or change SIM cards. If you are uncertain whether your phone is unlocked, check with your US mobile phone carrier. A third option is to rent a pocket WiFi device that will give you 24/7 connectivity wherever you are in South Korea. This is a great choice for those who don’t need to make calls or send texts locally. In addition, pocket WiFi devices usually come with 1 GB of data per day, significantly more than prepaid SIM cards offer (and more than most travelers use). This is also an excellent choice for those traveling with friends or family since each pocket WiFi device allows up to 5 people to connect to it simultaneously. Both KT and SKT have pocket WiFi devices for rent at their kiosks in Terminals 1 and 2 of Incheon International Airport.

The South Korean currency is the Won (KRW), denoted by the ₩ symbol. The most frequently used banknotes/bills come in denominations of ₩1,000, ₩5,000, ₩10,000, ₩50,000, and the coins include ₩1, ₩5, ₩10, ₩50, ₩100, ₩500. South Korea is a highly digitalized country where cashless and cardless payment options abound, as do ATMs. Despite this, cash still plays a vital role in South Korean society since indoor markets, street markets, taxis, and many individually-owned businesses are cash-based. While you can use your US credit or debit cards with ease throughout much of this fascinating East Asian nation, having plenty of cash on hand will prove helpful and even essential at times. Despite the fees, using Korean ATMs to withdraw money from your US bank account is usually a much better deal than exchanging USD for KRW at money exchanges. Before leaving on vacation, contact your US banks and credit card companies to notify them of your travel dates and destination. Otherwise, they may see the use of your cards abroad as suspicious activity and block them.

Foodies the world over flock to South Korea to enjoy mouthwatering food. With An abundance of lively food markets, cafes, food carts, restaurants and streetside restaurants (pojangmacha) to choose from, you’re never far from a delicious meal in South Korea. In addition, the country’s thriving street food culture also serves as a significant draw for tourists. With the five flavors–sweet, hot, sour, salt, and bitter–present in nearly every meal via ingredients such as soy sauce, rice vinegar, garlic, green onions, sesame oil and seeds and dried red chili, it’s hard for anyone to resist such a superb blend of tastes and ingredients. Korean food centers around noodle dishes, soups, stews and rice, all of which are prepared with a mix of meat, fish, seafood and vegetables. Every meal comes with small plates or side dishes (banchan), usually vegetables (occasionally eggs) prepared in various ways. Among these banchan, you will almost always find kimchi, the dish for which Korean cuisine is most famous. Kimchi is fermented vegetables, a traditional dish made with cabbage and spicy. However, not all types of kimchi are spicy. If you’re curious to learn more about the history and preparation of this traditional staple (and sample some!), visit the Museum Kimchikan in Seoul . For those looking for the quintessential Korean food experience, some must-try main dishes include bibimbap, kimbap, kimchi jjigae, kalguksu, bulgogi and haejangguk to name a few. Bibimbap is a dish of rice, vegetables and the famous gochujang, a fermented pepper paste that ranges from mild to extra spicy. Bibimbap typically comes with a fried egg with an option to add meat. Then, you mix it all together (as the Korean name implies) and enjoy. It’s usually served cold or hot (in a stone pot), the latter being more flavorful. Kimbap is often mistaken for sushi, but it is not. While it may look like sushi, it is rolled sesame-flavored rice with meat and fresh or pickled vegetables. Kimbap is a favorite lunch dish or on-the-go snack. South Korea is known for its hearty and delicious soups, and kimchi jjigae will not disappoint. Kimchi, tofu, “glass” noodles, vegetables and either tuna or pork simmered in a stone pot over a gas fire make for one of the most warming and comforting soups this country offers on a winter’s day. An excellent vegetarian version of this soup is doenjang jjigae. Kalguksu, knife-cut noodle soup, is one of the dishes that made Seoul’s Gwangjang Market famous. In addition to the noodles, other ingredients vary but often include assorted vegetables (cabbage is the most popular), meat and shellfish. It’s a filling yet light meal and an excellent choice for those who don’t like spicy food or simply need a break from it. Bulgogi, meaning “fire meat,” is a signature dish in Korean cuisine, particularly Korean bbq. In short, it’s beef marinated in a sweet and savory sauce and grilled. The typical cuts of beef used for bulgogi are sirloin, ribeye or tenderloin. Whether you enjoy it in a restaurant or at a pojangmacha, you’ll get a gas or charcoal grill and have the privilege of grilling it yourself. It always comes with banchan, rice and lettuce leaves to wrap the beef and rice. Last but never least is haejangguk, which translates as “hangover soup.” Since Koreans love their soju, a liquor made from rice and occasionally other grains, and beer, it’s no wonder haejangguk is a staple in Korean life. It’s made with a thick beef broth, dried napa cabbage, other vegetables and meat on the bone. Although the South Korean culinary world may seem meat-heavy, the country has an ancient vegetarian/vegan food tradition, known as chaesik (chay-shick), which is heavily associated with Buddhist temples. Plant-based diets have become trendy in recent years, particularly in Seoul and Busan, so you will not go hungry if that’s your preference! However, be aware that most kimchi is made with anchovies, so while it may appear vegan, it isn’t–unless you’re eating at a vegetarian or vegan restaurant. The yeogi-yo button is an aspect of many larger or busier Korean restaurants that foreigners love. The yeogi-yo button exists on every table and allows customers to call their servers within seconds with a simple press of the button. Yeogi literally means ‘here’ in Korean.

Getting Around

South Korea has superb public transport throughout, not just in Seoul and other major metropolitan areas. A vast network of buses and trains makes cities, towns and villages throughout the country accessible, even if you’re on a tight budget. Transportation is clean, safe, efficient and reliable. Buses traveling beyond city boundaries have scheduled rest stops so passengers can purchase drinks, meals or snacks and use the restroom. Getting around is also made easier by many signs that feature English translations. For example, you do not need to know any Korean to use it in Seoul. In addition to bilingual signs, all announcements are made in Korean and English. However, unless you speak Korean or read hangul, it’s best to steer clear of city buses as English is not often used in signage or for stops. In Seoul or other major cities, stop by any GS25, 7-11 or other convenience store and ask the cashier for a T-money card. It should only cost you US $ 2-3. You can use this card as your “ticket” for urban subway and bus networks in many other cities by topping this card up at kiosks in any subway station. Here is an excellent resource for English speakers to learn about the T-money card and where you can use it. Book your tickets in advance if you want to travel via the high-speed KTX train or on weekends or popular holidays. You can book all train tickets through the KORAIL website . You can purchase bus tickets at your nearest central bus station. If you’re traveling during the week, you should be able to buy bus tickets on the same day. Just be sure to get to the station early. You can also fly between major cities. But if you factor in travel time to and from the airport and the couple of hours early you need to be at the airport before departure, it’s generally not an effective use of your time compared with buses or trains. Of course, if you intend to go to Jeju Island, flying is more efficient, especially if you’re traveling from Seoul. For those seeking more adventure, catch a ferry to Jeju from Busan. As for renting a car, Jeju is the only place where doing so might be worthwhile since it is known as the Hawaii of Korea. Jeju has a bus system, but buses can be infrequent, giving you less flexibility. If you want to rent a car, you will need your US driver’s license and an International Driver’s Permit, which you can get back home from AAA . The good news is that South Koreans drive on the same side of the road we do in the US.

South Korea is often the top-spending nation when it comes to learning English. Even though many learn it to improve their career prospects or get into university, many people are pretty conversational in English, especially in Seoul and other big cities. Even though some people may be keen to practice their English skills, others may get performance anxiety and play ignorant. So if you need help finding a particular place or reading a Korean menu, don’t be afraid to keep asking until you find someone who can help you. People in their 20s and 30s are more likely to be conversant in English than older generations. While you can certainly get by with only English during your trip, learning a bit of Korean is a great way to show respect. It will also help you get around more smoothly whenever you’re in areas where English isn’t as widely spoken. The unfamiliar alphabet (hangul) can seem daunting, but don’t let it scare you off. Korean is a phonetic language. If you want to learn how to read Korean, you can do so within an hour or two. Plenty of online language learning programs can help you do so. However, here are some words and phrases to help you during your vacation in South Korea:

• hello – 안녕하세요 ( annyeong haseyo )
• goodbye – 안녕 ( annyeong )
• yes – 예 ( ye ) or 네 (ne) (pronounced nay )
• no – 아니요 ( aniyeo or ani )
• please – 주세요 ( juseyo )
• thank you – 감사합니다 ( kamsahamnida )
• excuse me – 저기요 (jeo-giyo)
• hospital – 병원 ( byeong-won )
• pharmacy – 약국 ( yag-guk )
• police station – 경찰서 ( gyeong chalseo )
• bank – 은행 ( eun-haeng )
• bathroom – 화장실  ( hwa-jang-sil)
• taxi – 택시 ( taek-si )
• here – 여기 ( yeo-gi )
• there – 거기 ( geo-gi )
• over there – 저기 ( jeo-gi )
• ticket – 표 ( pyo )
• ticketing machine – 발권기 ( bal-gwon-gi)
• bus – 버스 ( boe-su)
• bus stop – 버스 정류장 ( boe-su jeong-lyu-jang)
• *or say the name of the subway station you’re looking for + yeok
• airplane – 비행기 ( bi-haeng-gi)
• airport – 공항 ( gong-hang )

Local Customs & Etiquette

One thing that catches most Westerners off-guard when they visit South Korea is the physical nature of the people. Nudging people out of the way, bumping into people and not holding doors are commonplace, so don’t take it personally. None of this is considered rude in South Korea. Your personal bubble will cease to exist during your vacation here. Even though South Korea is a technologically-advanced country with a massive pop culture that has taken the world by storm, it is a conservative country. Regarding clothes, there are a few no-nos: anything showing your midriff, extra-short shorts, miniskirts, plunging necklines and tank tops. Additionally, if you plan to visit a temple, show respect by wearing shirts that cover your elbows and pants that cover your knees. You can usually get away with wearing shorts, but it’s a judgment call you’ll need to make for yourself. And always remove your shoes and hat before entering a temple. The same goes for Korean homes and traditional restaurants where you sit at low tables, using cushions instead of chairs. Keep in mind that it is considered rude to wear hats indoors at all, even in shops. Always use two hands whenever handing something to someone or receiving something–for example, cash. Doing so with only one hand is a sign of disrespect. While the younger generations may not take offense, those of older generations or a high social status may. This includes shaking hands. A major faux pas committed by foreigners in South Korea is to point a finger or to gesture with their palms facing upwards for someone to come towards them. Instead, always beckon someone the same way you would in the US but with your palm and fingers facing downward. Another thing you may notice is that Koreans refrain from using the number 4 when it comes to many things, including but not limited to numbering apartment buildings, floors in buildings and restaurant tables. This is because they use the Sino-Korean numbering system for certain things, and the Sino-Korean word for 4, sa, sounds similar to the word for death. And while you may never encounter this during your time in South Korea, avoid signing or writing your name in red (or anyone’s name, for that matter), as this is only done once someone dies. Unlike in the US, eating while walking is considered impolite. So whether they grab food from a vendor, a café or a convenience store, Koreans find a place to sit or stand near the inside edge of the sidewalks to get out of others’ way. And since public trash cans are not nearly as common as in the US, you are expected to carry your trash with you. South Koreans are welcoming and hospitable people who are proud of their country and love sharing it with others. Most people find South Koreans very affable whether it’s sharing food or drink with you or simply talking about their history. If you meet some friendly locals, ask them questions about their culture and recommendations for things to do and see. It’s a perfect way to show interest and appreciation for their country. Also, saying no when someone asks you to do something, whether it’s to join them for dinner or to go to a particular event, is considered rude. Social situations can get a bit sticky for foreigners in such a culture where the collective is more important than the individual and saving face is essential. So do your best to be polite and not flat-out refuse them if your travel plans or interests don’t align with the invitation. Lastly, there is quite an elaborate etiquette around eating and drinking in South Korea, of which everyone should be aware should you get invited to dine with locals (a high possibility if you’re the outgoing type!). Check out these handy guides: Korean table manners and Korean drinking culture and etiquette .

In South Korea, restrooms/bathrooms are most commonly referred to as toilets. Public toilets vary widely in their style and amenities. For example, in Seoul, many subway stations have bathrooms in which there are usually two types of stalls: one with squat toilets and one with Western toilets. Be aware that some bathrooms will not have toilet paper dispensers in individual stalls but outside the stalls when you first walk in. Others may have toilet paper in each stall, while others have none. It’s always wise to carry a couple of packets of tissues with you if you find yourself in the latter. All convenience stores, such as GS25, 7-11, eMart-24 and CU, sell them. In small restaurants or those in rural areas, expect only squat toilets.

Unlike in many countries, tipping in South Korea is not done. In fact, Koreans see tipping as rude. The culture demands excellent customer service and is part of any job, not something one delivers for an extra financial benefit (tipping). Providing outstanding service is seen as one of the many ways people can maintain collective harmony. So whether you’re in restaurants, taxis, hotels, or spas, do not tip. If you join any group hikes or participate in other outdoor sports and adventure activities and have a wonderful time, you can thank your guides in a few different ways. You can buy them a beer, a cup of coffee, or even lunch during your outing. They may refuse your offer at first but insist and pay anyway. They are simply being polite, even if they genuinely want to accept your offer. Another thing you could do is give them a small gift from the US as a token of your appreciation. If you think you will participate in anything involving a guide, consider packing a few such gifts in your luggage.

South Korea has one of the lowest petty theft and violent crime rates in the developed world, particularly when it comes to tourists. Nevertheless, exercising common sense and basic street smarts is still advised. One of many travelers’ biggest concerns is that North Korea might attack the South. However, a direct attack on the mainland has not occurred since the 1960s when North Korean commandos crossed the border and stormed the presidential palace in Seoul. To this day, the demilitarized zone (DMZ) remains in place. For your added safety, steer clear of any political protests, as they could turn violent.

US citizens are allowed to enter South Korea for 90 consecutive days. However, you will need a Korean Electronic Travel Authorization, also known as a K-ETA. You can apply through the government’s online portal and must do so at least 72 hours prior to your departure. Once approved, your K-ETA will be valid for up to 2 years. If you fail to use it within that time, you will need to apply for a new one.

What to pack for South Korea

Apart from Travel Insurance, we recommend you bring the following items for maximum health, safety, and enjoyment of your trip to South Korea.

A final note about travel insurance for the South Korea

I have spent dozens of hours researching travel insurance, including getting quotes and comparing coverage from all the most popular brands. Regardless of where you’re going I am confident that you will also find that WithFaye.com offers the best way to compare policies with the ideal combo of coverage and price.

I wish you and yours an incredible journey.

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Safety Advice and Travel Insurance for South Korea

South Korea Travel Insurance for Visitors

When planning a trip to South Korea, there are several important things to keep in mind. The country has extremely muggy summers, so pack lightweight clothes and sun protection for that season. For winter travel to South Korea, you'll want lots of layers to counter the freezing conditions. Prepare an itinerary, whether you're exploring the urban sights in Seoul or the natural beauty of Jeju Island. Get ready to eat Korean food that's sweet, savory, or spicy. And don't forget about travel insurance. Depending on the level of coverage you select, travel insurance for South Korea can protect you in case of an accident or illness, if your trip is canceled or delayed, or if you engage in extreme sports.

Do I Need Travel Insurance for South Korea?

Visitors aren't required to purchase travel insurance to go to South Korea. Yet while South Korea is a safe country to visit, signing up for a policy is a good idea for both your financial security and peace of mind.

For example, when you go out to eat tteokbokki or jajangmyeon, a miscommunication about a food allergy could send you straight to the hospital. You might slip and twist your ankle while exploring Seoraksan National Park. A motorcyclist veering onto a sidewalk could knock you over.

You'll have access to high-quality doctors and up-to-date treatments while visiting South Korea. But without insurance, this care can be very expensive. Travel medical insurance will protect you from having to pay for hospital stays, surgery, and medication yourself. Some plans will also cover the costs of transporting you back to your home country following an accident or other emergency.

For your trip to South Korea, you may also want a travel policy that covers extreme sports. Many common sports can fall under the "extreme" rubric. If you’ll be hiking Mt. Hallasan or paragliding around Jeju Island, this is the kind of policy you need.

SafeTreker Adventure Sports Coverage

• Valid for US residents
• Coverage for over 450+ sports and activities
• Emergency medical coverage

Another option for your South Korean travels is trip cancellation coverage. Depending on the level of coverage in your policy — some policies allow you to cancel for any reason — this will absorb some or even all of the costs if you have to cancel your trip. Travel delay coverage offers similar protection if your trip is interrupted by something like a flight delay.

Safe Travels Voyager

• Comprehensive coverage for trip cancellation, trip interruption, emergency medical and post-departure travel coverage
• Cancel for Any Reason available
• Up to $250,000 in emergency medical coverage

Seven Corners Trip Protection Insurance

• Comprehensive trip protection for U.S. residents traveling abroad.
• Optional rental car collision coverage available.
• Optional Cancel for Any Reason coverage available (if eligible).

Best Travel Insurance for South Korea

Before you make a decision about what kind of policy to buy, think about your upcoming trip. Might you have to postpone your travels to visit an ailing family member? Do you want to go skiing where the 2018 Olympics took place? Or do you want the security of knowing you won't have to pay unexpected healthcare costs all on your own?

Our licensed brokers understand all the ins and outs of South Korea travel insurance. Whether you'd like a policy to cover unexpected medical expenses, trip cancellation and delays, or your participation in "extreme" sports, we will help you find the best policy at a price you can afford.

How Much Does Travel Insurance Typically Cost?

The costs for a South Korea travel insurance policy can vary. Factors in calculating the price include the length of the trip, the age of the person or people being covered, and the type of policy you desire. For example, a travel policy that allows you to cancel your trip for any reason offers a high degree of flexibility but usually comes with a higher price tag.

How Do I Get Travel Insurance for Korea?

Many companies that offer International Health Insurance also offer Travel Insurance. We put together a list of the Top 10 Travel Insurance Companies . Our agents are also happy to walk you through the different options, from basic travel medical insurance, trip cancellation, medical evacuation and more.

Looking for International Travel & Medical Insurance?

Request a free quote and one of our specialists will contact you.

Medical Preparation for Travel to South Korea

Below you will find three popular travel medical plans that provide coverage in South Korea. The GeoBlue Voyager plan is only for U.S. citizens traveling outside the U.S. to South Korea. The WorldTrips Atlas and IMG Patriot Platinum plans are available to U.S. and non-U.S. citizens traveling to South Korea. If you are interested in learning more about a particular plan, review its brochure or click to get a free quote and one of our specialists will contact you.

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Patriot Platinum Travel Insurance

• Maximum limits up to $8,000,000
• IMG pays 100% of medical expenses in-network
• Evacuation due to Natural Disasters & Political Unrest

What Vaccinations Do I Need for Travel to South Korea?

South Korea does not require visitors to receive specific vaccinations before traveling there. However, health authorities like the U.S. Centers for Disease Control recommend that you be up-to-date on regular vaccinations, including chickenpox, polio, flu, COVID-19, and hepatitis A and B.

How to Bring Medications to South Korea

If you regularly take any prescription or over-the-counter medicines, you'll want to travel with your medication. Fortunately, South Korea’s rules for foreigners include a process for you to do this legally.

South Korea has strict regulations regarding narcotics, a category that includes common medications like Adderall (an amphetamine). However, under South Korea’s travel requirements, you don't need to worry about carrying a narcotic medication if you're simply transiting through the country. If you want to stay in South Korea and take your medicine, the country's Ministry of Food and Drug Safety (MFDS) can approve you importing a personal supply of medication.

To get permission to bring a narcotic medication into South Korea:

• Follow the steps on how to obtain a "Self Treatment Narcotics Bring in Permit" with the Ministry of Food and Drug Safety . There is an English version of the application, so it's not necessary to complete it in Korean.
• If you're not sure if your medication requires approval, you can send an email to [email protected] or call the ministry at +82-43-719-2813.
• You need to submit your application to the MFDS at least 10 business days before your trip.

For medications that are not narcotics, you don’t need to ask the MFDS for permission to travel with them. However, you should bring your original prescriptions and a note from your doctor explaining your conditions and the medications you take. You can travel with a three-month supply, up to six bottles of medication.

Related: Health Insurance in South Korea for Foreigners

Can I Bring Medical Marijuana to South Korea?

In 2020, South Korea legalized the medical use of marijuana. Yet even with a doctor's prescription from your home country, you cannot bring medical marijuana into South Korea. It's also illegal to carry medicinal or over-the-counter CBD products into South Korea. Avoid trouble and don't pack any items with CBD as an ingredient! If you travel with CBD products, you could be detained or even arrested.

Frequently Asked Questions about Travel to South Korea and Its Healthcare System

What is the healthcare system for foreign visitors in south korea.

Foreign visitors can go to the same healthcare facilities as South Koreans. It’s common for residents to seek care at a hospital instead of first visiting a primary care physician, even in non-urgent situations such as a cold or sprained ankle because of the way South Korea’s Healthcare System is set up. You can do the same, but remember you’ll be expected to pay for your care!

What Should I Do During a Medical Emergency in South Korea?

Call 119 for an ambulance. Don’t worry if you don’t speak Korean — assistance in English is available.

Can Foreigners Go to the Hospital in South Korea?

Travelers may visit any hospital in South Korea . Foreign visitors can also head directly to a hospital for treatment, as long as they can move on their own.

Can I Make an Appointment at Hospitals in South Korea?

Many healthcare facilities allow patients to schedule appointments online. If you have a travel policy, and you can spare a moment before seeking care, check with your provider to see if there is a nearby hospital or urgent care center that accepts your insurance.

Do South Korean Doctors and Nurses Speak English?

Healthcare providers in urban areas are likely to speak some English. Providers in rural areas may not be used to speaking English, so bring a dictionary or translator if you have to seek care.

Is There a Difference Between Rural and Urban Healthcare in South Korea?

In rural areas, you will find fewer options for care. 90% of South Korean doctors work in cities.

How Should I Behave in a South Korean Hospital?

If you have to be admitted to the hospital, try to have a friend or family member accompany you. Hospitalized South Koreans usually have a “bohoja” (guardian) to handle tasks such as getting food and changing bedding. Also keep in mind that large hospitals and other medical settings may require you to wear a mask. If you don’t obey this rule, you could be fined.

Is Healthcare Free in South Korea for Foreigners?

South Korea has a public healthcare system for citizens and residents. However, tourists and short-term visitors will not receive free healthcare in South Korea. If you need to go to the hospital or see a doctor, you’ll be expected to pay for your treatment at the time of service — and it can be quite expensive.

A travel medical policy will cover some or all of your expenses if you need care during your stay. Sign up for a policy before your trip to make sure you’re financially protected in case of an unexpected illness or injury. Our licensed brokers would be delighted to help you find an affordable policy with comprehensive coverage.

How Can I Stay Safe in South Korea?

For your own safety and security in South Korea, check travel alerts before and during your stay. The following pages will let you know about domestic conflicts, disease outbreaks, and other developing situations.

• US Department of State page on South Korea
• Australian government Smartraveller page on South Korea
• Gov.UK Foreign Travel Advice section on South Korea
• Government of Canada travel advisory page for South Korea
• Singapore Ministry of Foreign Affairs page on South Korea

You can also download South Korea’s own “Emergency Ready” app to your Apple or Android smartphone. During emergency situations, this app provides updates in Korean, English, and Chinese.

How Secure is South Korea?

Monitoring the sites mentioned above is more of a precaution than a necessity. South Korea is a politically stable country, and its crime rates are very low. However, the country is still technically at war with North Korea. Periodic missile launches from North Korea are one sign of this unresolved conflict.

South Korea has experienced an increasing number of earthquakes in recent years. Fortunately, most of these quakes have been small ones. If a quake strikes while you’re in South Korea, pay attention to instructions from local authorities.

South Korea has some protection from tsunamis, as Japan is the first target for tsunamis that form in the Pacific Ocean. But local quakes may generate a tsunami that can strike the Korean peninsula. Be prepared to head to higher ground after an earthquake. As roads may be damaged or crowded with cars, you will likely have to walk.

What Should I Be Careful of in South Korea?

South Korea, which has some of the lowest crime rates in the world, is a very safe country for tourists to visit. But no matter how secure a country is, there are ways to further protect yourself. Pay attention to the following travel tips and your safety in South Korea will be even more assured.

1. Don’t Relax Too Much

Is South Korea safe? Yes, it’s one of the safest countries in the world! However, prevention is a key part of safety, so don’t let your guard down completely when in public. Keep an eye on your belongings in crowded areas—pickpockets and other thieves can target tourists. Don’t leave your drinks unattended in a bar or nightclub, as drink spiking can happen anywhere.

2. Prepare for the Weather

The Korean climate is one of extremes. It can be sweltering and muggy in the summer and freezing cold in the winter. Severe typhoons can hit in August and September. Packing appropriately will help prevent conditions like heat exhaustion or frostbite.

3. Pay Attention to Air Quality

In the spring, yellow dust (“HwangSa”) pollution from China and Mongolia can wash over South Korea. You’ll be safer staying indoors if yellow dust arrives during your trip. If you can’t avoid going outside, wear a protective mask.

4. Steer Clear of Demonstrations

Public demonstrations are a common sight in South Korea. But if you see one going on, exercise caution. These demonstrations can sometimes become violent.

5. Watch Out for Cars

Jaywalking is against the law in South Korea. If you’re spotted in the act, you may receive a ticket. Yet even if you’re obeying traffic laws and have the right of way, be cautious: South Korea is not the safest country for pedestrians — another reason why medical coverage is a very good idea.

6. Follow Instructions in the DMZ

Tourists are allowed to visit the demilitarized zone, a strip of land that serves as a buffer between South and North Korea. But if you opt for a trip to the DMZ, be prepared to follow instructions from your tour guides and local authorities. Tensions still run high in this area.

7. Don’t Be Surprised by Civil Exercises

Given the country’s tensions with North Korea, South Korea’s safety procedures include regular civil emergency exercises. During these exercises, you will hear sirens and notice that public transportation stops running. South Koreans may shelter in designated areas. Visitors from other countries do not have to participate in these exercises, but do your best not to interfere with them.

8. Stay Alert During Earthquakes

If an earthquake hits while you’re in South Korea, don’t panic. Instead, if you’re inside, cover your head and remain in place. If you’re outside, try to move to an open space away from buildings and power lines. Be prepared for aftershocks following the initial quake. Be ready to walk to higher ground if you’re on the coast and there’s a tsunami warning.

9. Pack Carefully

Before traveling to South Korea, make sure you’re not bringing anything that’s not permitted in the country. You need to apply for permission to bring in narcotic medications such as Adderall. Start this process at least ten business days ahead of your trip. And no matter how accessible CBD products are in your home country, you can’t take them into South Korea. Check your bags to ensure you haven’t inadvertently packed anything made with CBD oil.

Emergency Contact Information for South Korea

Emergency assistance numbers in south korea.

If you have a medical emergency in South Korea, dial 119 and request an ambulance. You don’t need to speak Korean as this line offers access to English-speaking doctors who can assist you.

To report a crime, including sexual assault, call 112 to reach the Korean National Police. If you don’t speak Korean, you’ll be provided with an interpreter.

Embassy Phone Numbers in South Korea

• U.S. Embassy in Seoul : 82 (0)2 397-4114
• Embassy of Canada in Seoul : 82 2 3783 6000
• British Embassy Seoul : 82 (0)2 3210 5500
• Ambassade de France à Séoul : 82 (2) 3149 4300
• Australian Embassy in the Republic of Korea, Seoul : 82 2 2003 0100
• New Zealand Embassy, Seoul : 82 (2) 37017700

Travel Safely in South Korea

Nothing here should make you worry about your upcoming trip to South Korea. Instead, the precautions and advice will serve to help you make the most of your trip. It’s always better to plan ahead instead of scrambling to figure out what to do in case of an emergency. Now that you’re more prepared, enjoy your Korean adventures!

Health Insurance Plans in Asia

Health Insurance in South Korea

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• After checking the estimated insurance premiums of all passengers traveling together in "My Trips" > "Reservation List and View Details," you can apply for, inquire about, or cancel travel insurance.
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Top Travel Insurances For South Korea You Should Know in 2024

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

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Although a small East Asian nation, South Korea has an outsized influence as a desination for tourists and expats. It's famous for its unique culture (including K-pop, Korean dramas, and the traditional tea ceremony) as well as its delicious food and safe cities. Although travelling to South Korea can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to South Korea and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

South Korea Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for South Korea:

Best Travel Insurances for South Korea

• 01. Do I need travel insurance for South Korea? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to South Korea scroll down

Heading to South Korea soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
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• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory in South Korea?

No, there's currently no legal requirement to take out travel insurance for travel to or through South Korea.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Korea or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for South Korea:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to South Korea, no matter whether you're planning to follow hiking trails through the surreal Bukhansan National Park or soak in the history at Gyeongbokgung Palace.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to South Korea, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for South Korea:

• Policy Names: Varies
• Medical Coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip Coverage: Excellent - but only available for US residents.
• Customer Support: FAQ, live chat and phone support
• Pricing Range: USD 25 to USD 150 /traveller /month
• Insurance Underwriter: Lloyd's, Petersen, and others
• Best For: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option for South Korea, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy Names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical Coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip Coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer Support: FAQ, live chat, phone support
• Pricing Range: USD 80 to USD 420 /traveller /month
• Insurance Underwriter: David Shield Insurance Company Ltd.
• Best For: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads in South Korea because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy Names: Nomad Insurance, Remote Health
• Medical Coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip Coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing Range: USD 45 to USD 160 /traveller /month
• Insurance Underwriter: Tokyo Marine HCC
• Best For: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to South Korea? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Korea

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for South Korea. However, we strongly encourage you to do so anyway, because the cost of healthcare in South Korea can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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A student persuaded by his friend to get his legs amputated for a $1.3 million insurance scam wound up getting only $7,200 that he now has to return: prosecutors

• A student in Taiwan had his legs amputated to claim $1.3 million in insurance payouts, prosecutors said.
• The Criminal Investigation Bureau said the man soaked his feet for 10 hours in dry ice to get frostbite.
• But the plan backfired when medical staff thought his injuries seemed suspicious, the bureau said.

A university student in Taiwan who had his legs amputated in hopes of receiving a $1.3 million insurance payout has been arrested on suspicion of fraud, local prosecutors say.

The 23-year-old, identified only by his last name, Zhang, plunged his feet in a bucket of dry ice for more than 10 hours to get them so badly frostbitten that he would need a double amputation, the Taiwan Criminal Investigation Bureau said in a Thursday release.

The bureau said a friend of Zhang's from high school, identified only as Liao, persuaded him to carry out the insurance scam.

Liao, also 23, suffered losses from trading cryptocurrency, and he tricked Zhang into signing a legal note obligating him to pay about $800,000, investigators said.

The local media outlet Taiwan News reported that Liao told Zhang that gangsters were pursuing him.

On January 26, 2023, Liao and Zhang rode around Taipei on a motorbike at night, wanting to present the claim that Zhang was afflicted with frostbite while riding the vehicle in the late evening, investigators said.

Just days before , Zhang bought several expensive policies for life insurance, travel insurance, and accident insurance, prosecutors said.

After their motorbike ride, Zhang soaked his feet in dry ice and was admitted to hospital, investigators said.

But medical staff sensed something was amiss while assessing him, the bureau said.

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His legs bore no shoe or sock marks, and his injuries appeared symmetrical, which were inconsistent with a naturally occurring frostbite injury, investigators said.

The weather on the night of January 26 was also nowhere close to below freezing, with its coldest temperature at about 42 degrees Fahrenheit, prosecutors added.

"As Taiwan is a subtropical region, cases of severe frostbite requiring amputation are unheard of due to natural climatic conditions," the bureau said in its statement.

It said Zhang's legs were amputated below the calf due to his frostbite injuries, but his case was reported to the authorities.

When police investigated Zhang and Liao in November, they found the plastic bucket used to freeze Zhang's feet, insurance documents, a white polystyrene box for dry ice, eight mobile phones, and a tablet computer, the investigations bureau said.

Liao and Zhang were arrested on January 17 and are both charged with fraud and aiding and abetting serious injury, the bureau says.

Local media , citing prosecutors, reported that Zhang had claimed $7,200 from one insurer, but this money would be seized.

Some insurers and authorities have reported that rates of insurance fraud are rising after the height of the pandemic.

The City of London Police's Insurance Fraud Enforcement Department said reported cases of opportunistic fraud — when someone tries to fake an injury or exaggerate a claim — surged 61% from March 2022 to April 2023.

The department's chief inspector, Tom Hill, said the increasing cost of living might push people to consider insurance fraud.

In February, South Korea amended its law for the prevention of insurance fraud to punish offenders more severely, with up to 10 years in prison or a $37,000 fine.

The FBI estimates that an annual $400 to $700 from the average US family's insurance premiums goes to covering insurance-fraud costs.

Watch: Video shows scary moment when a bungee jumper's cord snapped, sending him crashing into waters below

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Mystery in Japan as dangerous streptococcal infections soar to record levels

Health officials racing to identify cause of rise in streptococcal toxic shock syndrome, which has a 30% fatality rate

Experts warn that a rare but dangerous bacterial infection is spreading at a record rate in Japan , with officials struggling to identify the cause.

The number of cases in 2024 is expected to exceed last year’s record numbers, while concern is growing that the harshest and potentially deadly form of group A streptococcal disease – streptococcal toxic shock syndrome (STSS) – will continue to spread, after the presence of highly virulent and infectious strains were confirmed in Japan.

The National Institute of Infectious Diseases (NIID) said: “There are still many unknown factors regarding the mechanisms behind fulminant (severe and sudden) forms of streptococcus, and we are not at the stage where we can explain them.”

Provisional figures released by the NIID recorded 941 cases of STSS were reported last year. In the first two months of 2024, 378 cases have already been recorded, with infections identified in all but two of Japan’s 47 prefectures.

While older people are considered at greater risk, the group A strain is leading to more deaths among patients under 50, according to NIID. Of the 65 people under 50 who were diagnosed with STSS between July and December in 2023, about a third, or 21, died, the Asahi Shimbun newspaper reported.

Most cases of STSS are caused by a bacterium called streptococcus pyogenes. More commonly known as strep A – it can cause sore throats, mainly in children, and lots of people have it without knowing it and do not become ill.

But the highly contagious bacteria that cause the infection can, in some cases, cause serious illnesses, health complications and death, particularly in adults over 30. About 30% of STSS cases are fatal.

Older people can experience cold-like symptoms but in rare cases, the symptoms can worsen to include strep throat, tonsillitis, pneumonia and meningitis. In the most serious cases it can lead to organ failure and necrosis.

Some experts believe the rapid rise in cases last year were connected to the lifting of restrictions imposed during the coronavirus pandemic.

In May 2023, the government downgraded Covid-19’s status from class two – which includes tuberculosis and Sars – to class five, placing it on a legal par with seasonal flu. The change meant local authorities were no longer able to order infected people to stay away from work or to recommend hospitalisation.

The move also prompted people to lower their guard, in a country where widespread mask wearing, hand sanitising and avoiding the “three Cs” were credited with keeping Covid-19 deaths comparatively low. About 73,000 Covid-19 deaths were recorded compared with more than 220,000 in Britain, which has a population just over half that of Japan.

Ken Kikuchi, a professor of infectious diseases at Tokyo Women’s Medical University, says he is “very concerned” about the dramatic rise this year in the number of patients with severe invasive streptococcal infections.

He believes the reclassification of Covid-19 was the most important factor behind the increase in streptococcus pyogenes infections. This, he added, had led more people to abandon basic measures to prevent infections, such as regular hand disinfection.

“In my opinion, over 50% Japanese people have been infected by Sars-CoV-2 [the virus that causes Covid-19],” Kikuchi tells the Guardian. “People’s immunological status after recovering from Covid-19 might alter their susceptibility to some microorganisms. We need to clarify the infection cycle of severe invasive streptococcal pyogenes diseases and get them under control immediately.”

Streptococcal infections, like those of Covid-19, are spread through droplets and physical contact. The bacterium can also infect patients through wounds on the hands and feet.

Strep A infections are treated with antibiotics, but patients with the more severe invasive group A streptococcal disease are likely to need a combination of antibiotics and other drugs, along with intensive medical attention.

Japan’s health ministry recommends that people take the same basic hygiene precautions against strep A that became a part of everyday life during the coronavirus pandemic.

“We want people to take preventive steps such as keeping your fingers and hands clean, and exercising cough etiquette,” the health minister, Keizo Takemi, told reporters earlier this year, according to the Japan Times.

• Infectious diseases
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