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A panoramic view of Tbilisi, Georgia, showing the historic Narikala Fortress and church on a rocky hillside, red-roofed buildings in the foreground, the modern city and river bridges beyond, and rolling hills under a partly cloudy sky.

Travel Insurance for Georgia

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Fully Covered with LUMA

From Tbilisi's old town and Kazbegi's mountain trails to Kakheti wine country and the Black Sea coast, LUMA keeps you covered when something goes wrong in Georgia.
  • 4.8
  • 4.0 Rating

  • Trusted by 100,000+ travelers

  • A decade of travel cover

  • Backed by medical guidance

  • Instant online purchase

Is My Baggage, Health, Trip Covered?

  • damage, loss
  • sudden sickness, hospital expense
  • delays, cancellations

Yes!

  • On-the-ground teams and global partners ensure care is always nearby.

    Hands

  • 24/7 English-speaking assistance with coverage curated for Georgia

    Calling

  • Practical support backed by decade-long experience and deep-rooted hospital networks.

    Shield

  • Direct access to our in-house medical team (Medipro) for real medical advice.

    Stethoscope
Georgia calling? We go above and beyond to make sure your trip stays golden.
  • Large Ferris wheel near a waterfront promenade with palm trees and snow-capped mountains in the background.
    Group of people walking through a stone-paved village street with old buildings and ruins under a cloudy sky.
    Aerial view of a remote mountain village in a misty valley, with clusters of traditional stone tower houses, winding roads, and streams surrounded by green hills and snow-dusted peaks.

    01 Injured on a mountain trail?

    Georgia's mountain regions are breathtaking and serious in equal measure. The trails leading to Gergeti Trinity Church in Kazbegi and the high-altitude routes through Svaneti attract hikers from around the world, but a fall, a sudden illness, or a weather turn in these areas puts you a long way from proper care. LUMA arranges evacuation to a better-equipped hospital and covers the costs, so the remoteness of where you are doesn't limit the care you can get.

  • Pedestrians walking along a bridge with hillside homes, cable cars, and a large hilltop statue in the background.
    Downtown street intersection with multiple highway route signs and a tall skyscraper in the background.
    A traditional mountain village with stone towers and slate-roofed houses, surrounded by green fields and forested mountains, with a winding river through the valley.

    02 Road accident on a Georgian mountain road?

    Georgia's mountain roads are spectacular and genuinely hazardous after dark. Wandering livestock, poor lighting, and steep switchbacks between Tbilisi and the mountain regions make driving at night one of the most documented risks for visitors. A collision can mean emergency care in an area with very limited facilities. LUMA covers the medical costs from a road accident and arranges transfer to a better hospital if the nearest clinic isn't equipped to help.

  • Golden equestrian statue atop a tall stone column against a blue sky with scattered clouds.
    Small boat carrying passengers across a calm lake with forested mountains in the background.
    A cityscape with a large cathedral, hillside neighborhoods, a river, and a domed park structure beneath a pastel sunset sky.

    03 Fell ill away from the capital?

    Georgia's medical facilities in Tbilisi are improving, but outside the capital, care can be limited. A sudden fever, stomach trouble, or infection mid-trip means a clinic visit, and without cover that bill lands entirely on you. Medipro can help you decide whether your symptoms need a doctor, and your LUMA covers the medical expenses so you can focus on recovery.

  • Crowded pebble beach with people swimming and relaxing under umbrellas beneath a dramatic cloudy sky.
    Ornate blue-tiled historic building beside a bridge with hillside homes and dry hills in the background.
    A historic turquoise-and-white building with a conical roof, surrounded by tall cypress trees and a lush garden.

    04 Georgia trip cancelled before you flew?

    A Georgia trip is usually planned and paid for well ahead of departure, with flights and stays all booked in advance. If a serious illness, an injury, or a family emergency gets in the way, LUMA plans with trip cancellation cover step in to reimburse prepaid costs so the financial loss doesn't add to an already difficult situation.

  • Stone hilltop fortress with a flag tower framed by blooming purple flowers and green trees.
    Corner restaurant entrance with a hanging sign and people walking along a brick sidewalk.
    Snow-covered mountain slope with skiers and a colorful stone structure beneath cloudy peaks.

    05 Bag lost or delayed on the way to Tbilisi?

    Connections through Istanbul, Vienna, or Dubai are the most common routes into Tbilisi, and a delayed or missing bag on a multi-leg journey is a real inconvenience, especially if you're heading straight to Kazbegi or Svaneti where replacements aren't easy to find. LUMA plans can help with lost or delayed baggage, so a mix-up at the airport doesn't derail the start of the trip.

Two people embracing while overlooking a grand cathedral entrance and tree-lined walkway with hills in the background.
A weathered stone-and-brick church atop white rock, with two people walking toward it.
A large ornate cathedral with a golden dome and cross, viewed from a broad plaza under a bright blue sky.
A tree-lined brick sidewalk with several American flags hanging from historic homes, while three people walk a dog.
A trolley bus travels down a tree-lined street beneath sprawling oak branches draped in Spanish moss.
Cobblestone street lined with historic buildings, shops, and streetcar tracks under a bright blue sky.
A tall stone statue beside a road, with trees, power lines, and pedestrians under a bright blue sky.
Two people stand by a lakeside railing, looking toward a city skyline beyond the trees.
A narrow cobblestone street lined with historic brick buildings, cafés, and Georgian flags, with a woman and child walking beneath a bright blue sky.
A city street with a large Ferris wheel visible between brick buildings and leafy trees.
Corner restaurant entrance with a hanging sign and people walking along a brick sidewalk.
Stone hilltop fortress with a flag tower framed by blooming purple flowers and green trees.
Ornate blue-tiled historic building beside a bridge with hillside homes and dry hills in the background.
Crowded pebble beach with people swimming and relaxing under umbrellas beneath a dramatic cloudy sky.
Small boat carrying passengers across a calm lake with forested mountains in the background.
Golden equestrian statue atop a tall stone column against a blue sky with scattered clouds.
Downtown street intersection with multiple highway route signs and a tall skyscraper in the background.
Pedestrians walking along a bridge with hillside homes, cable cars, and a large hilltop statue in the background.
Group of people walking through a stone-paved village street with old buildings and ruins under a cloudy sky.
Large Ferris wheel near a waterfront promenade with palm trees and snow-capped mountains in the background.

Your Georgia Travel Insurance Questions, Answered

City skyline overlooking a landscaped park with modern glass buildings and autumn trees.

Yes, Georgia is generally safe for tourists in 2026 and is rated Level 1 by the US State Department. Tbilisi is consistently cited as one of the safer large cities in the world. The areas to genuinely avoid are South Ossetia and Abkhazia, both Russian-occupied regions where the US State Department issues a strict "Do Not Travel" warning due to armed conflict, crime, and landmines. Stay well clear of these regions and the area within 5 kilometers of their boundaries.

Generally yes, but they need careful planning. Kazbegi, Svaneti, and the Caucasus highlands are stunning, but the weather can turn fast, trails can be remote, and winter conditions from December to March make high-altitude routes significantly more dangerous. Check conditions before any mountain day, use a local guide for demanding routes, and tell someone your itinerary. If you're hurt on a trail and local facilities can't treat you, LUMA helps arrange medical evacuation to a better-equipped hospital and covers the costs.

Yes, as of August 2026. As confirmed by the Georgian National Tourism Administration, all international visitors must carry valid health and accident insurance as a condition of entry. The policy must cover a minimum of €26,000 for inpatient care, including accidents, sudden illnesses, and medical evacuation, and must be valid for the entire duration of your stay. Proof of insurance, physical or digital, must be presented at airports, land borders, or seaports. All LUMA plans offer USD 50,000 or more in medical coverage, so every plan meets Georgia's mandatory entry requirement.

Yes. Georgia's medical facilities in Tbilisi are improving, but outside the capital they can be limited, and all foreign visitors pay for treatment themselves. Whether it's a hiking injury in Kazbegi, a road accident on a mountain road, or a stomach bug in Tbilisi, LUMA covers medical expenses under your plan. Medipro can also help you work out whether your symptoms need a doctor and point you to the right kind of facility.

It depends on your nationality. As confirmed by Georgia's National Tourism Administration, citizens of 98 countries can enter visa-free for stays of up to 365 days, one of the most generous policies in the world. Others will need to apply through Georgia's official e-Visa portal before travel. One thing applies to everyone regardless of visa status: as of August 2026, valid travel insurance is a confirmed mandatory entry requirement, so make sure your policy is in place before you fly.

Yes. Winter conditions from December to March affect high-altitude routes in Kazbegi, Svaneti, and the mountain regions significantly, with road closures, snow, and limited access to some villages. The Canadian government specifically highlights the high risks associated with winter mountain driving in Georgia. Build flexibility into any mountain itinerary in winter, and don't drive mountain roads at night regardless of season. If a covered flight delay meets your policy's minimum delay period, LUMA's flight delay cover can help with reasonable expenses like meals or an overnight stay while you wait it out.

Go places, we’ve got you covered.

  • Tall waterfall cascading over a rocky cliff into a pool, surrounded by lush green forest.
  • Mountain village in a green valley with a winding stream and snow-capped peaks in the background.
  • Historic stone church and fortress overlooking a turquoise mountain lake under a cloudy sky.

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