Andorra Travel Insurance
Everything you need to know before your trip
Healthcare Cost Level
High
Avg. ER Visit
$800
Recommended Coverage
$250,000
Evacuation Risk
Low
Healthcare in Andorra
What to expect if you need medical care
Andorra offers excellent healthcare quality with good English availability among medical staff, making communication relatively straightforward for international visitors. However, this high-quality care comes at a premium price. A simple emergency room visit will cost you around $800, while hospitalization runs approximately $1,200 per day. Since Andorra has no reciprocal healthcare agreements with other countries, you'll be treated as a private patient and expected to pay the full cost upfront or shortly after treatment. The healthcare system is modern and well-equipped, but without insurance coverage, even minor injuries or illnesses can result in substantial medical bills that you must settle before leaving the country.
What Your Policy Should Cover
Country-specific considerations for Andorra
Your policy must specifically include winter sports coverage if you're skiing, as this is essential for Andorra's popular ski resorts where accidents pose a moderate risk. Mountain rescue coverage is highly recommended since hiking injuries occur year-round across Andorra's mountainous terrain. If you're planning mountain climbing or high-altitude activities, verify that your policy includes specialized coverage for these pursuits, as standard policies may exclude them. Ensure your policy covers emergency medical evacuation, even though Andorra has modern helicopter services and proximity to Spanish and French hospitals. The combination of expensive private healthcare, mountain-related risks, and adventure activities makes comprehensive coverage crucial for your Andorran trip.
Skiing_accidents
Moderate Risk
Peak: winter
Mountain_hiking_injuries
Moderate Risk
Peak: year-round
Altitude_sickness
Low Risk
Peak: year-round
Activity-Specific Coverage
Skiing: Ensure winter sports coverage is included
Mountain_climbing: High-altitude activities may require specialized coverage
Hiking: Mountain rescue coverage recommended
How Much Coverage Do You Need?
Our recommendation based on Andorra's healthcare costs
The recommended $250,000 coverage amount protects you against Andorra's high healthcare costs and potential complications. While the minimum $100,000 provides basic protection, serious skiing accidents or hiking injuries requiring multiple days of hospitalization at $1,200 daily, plus emergency room treatment, surgical procedures, and potential helicopter evacuation can quickly exceed lower limits. The $250,000 recommended amount ensures adequate coverage for extended hospital stays, complex treatments, and medical evacuation to Spanish or French facilities if necessary, providing comprehensive financial protection throughout your stay.
Minimum
$100,000
Basic emergencies only
Recommended
$250,000
Full protection
Making a Claim in Andorra
Tips for smooth claims processing
Documentation Required: Medical reports in Catalan, Spanish, or French; official receipts; police reports for accidents
- Keep all official receipts and request itemized bills in English if possible, though medical reports may be provided in Catalan, Spanish, or French—all acceptable for claims
- Obtain police reports immediately for any accidents, particularly skiing or hiking incidents, as these are required documentation for insurance claims
- Request detailed medical reports from healthcare providers before leaving Andorra, ensuring they include diagnosis, treatment details, and costs in one of the accepted languages
- Pay medical bills promptly and keep copies of all payment confirmations, as Andorran healthcare facilities expect immediate settlement from uninsured foreign patients
- Document any mountain rescue or evacuation services separately with official receipts, as these costs can be substantial and require specific proof for reimbursement
Get Covered for Andorra
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