Travel Insurance for Russia from India

Yes. Travel insurance for Russia visa applications is compulsory for most Indian travellers. Russian authorities require proof of a valid policy that covers medical emergencies, repatriation, and related risks for the entire duration of your trip. So, if you're wondering “is travel insurance mandatory for Russia?”, the answer is an absolute yes.

Travel health insurance for Russia protects you from medical expenses, unpredictable travel delays, lost baggage, and more. It is crucial in a country known for its extreme climates and long travel distances.

Travel Exclusions

Your policy does not apply in certain travel-related scenarios. Coverage will not be provided if:

• You enter Russia without holding a valid visa.
• Your primary purpose for travelling to Russia is to seek medical treatment.
• You choose to travel even though you are medically unfit to do so.
• You ignore or go against your doctor’s recommendation not to travel.

Legal Exclusions

To remain eligible for benefits under the policy, the following situations must be avoided:

• Incidents involving self-harm or attempted suicide are not covered.
• Any claim arising from actions taken under the influence of alcohol or prohibited drugs is excluded.
• No coverage applies if you are involved in or held liable for a criminal offence.
• Injuries or losses linked to high-risk occupations like mining, tunnelling, aerial photography, or similar hazardous work are not included.

Medical Exclusions

Although the policy offers extensive medical protection, some conditions remain outside its scope:

• Costs related to a pre-existing medical condition that worsens during your stay in Russia are not covered.
• Disability certificates or medical validations issued by family members will not be accepted for claims.
• Pregnancy-related medical expenses are not included under this Russia travel insurance plan.

1. Passport: A valid passport is required to enter Russia. Make sure your passport has at least six months of validity left from the date of your arrival.
2. Visa: Most foreign visitors will need a visa to enter Russia. You can apply for a visa through the Russian embassy or consulate in your home country. The type of visa you will need depends on the purpose of your visit.
3. Migration Card: When you arrive in Russia, you'll be given a migration card that you'll need to fill out and keep with you throughout your stay. You'll need to present this card when you leave the country.
4. Travel Insurance: It's always a good idea to have travel insurance when you're travelling abroad. That way, you will have financial protection against unanticipated mishaps during your travel. Moreover, travel insurance is mandatory in Russia.
5. Flight Tickets: You'll need to have a return ticket or onward ticket to show that you're not planning to stay in Russia indefinitely.
6. Invitation letter: If you're visiting Russia for business or to visit family or friends, you may need an invitation letter from your host.

• Choose a Reasonable Sum Insured
  Select a coverage amount that suits your budget while still protecting you from possible risks during your Russia trip. Make sure it’s sufficient to handle unexpected medical or travel-related expenses.
   
• Select Only the Necessary Covers
  Assess your travel style and needs, and pick only the add-ons or benefits that apply to you. This helps you avoid overspending while still getting the right level of protection.
   
• Familiarise Yourself With the Claim Process
  Review how to file a claim before starting your journey to Russia. Understanding the steps in advance ensures quicker action and smoother assistance during an emergency.

• The official currency is the Russian ruble, code RUB, symbol “₽”.
• It is issued by the Bank of Russia.
• The ruble is subdivided into 100 kopecks (though in practice some small-denomination coins/notes are rarely used).
• A digital form, often called the “digital ruble”, is under development/introduction by the Bank of Russia.