Mongolia Travel Insurance
Everything you need to know before your trip
Healthcare Cost Level
Moderate
Avg. ER Visit
$150
Recommended Coverage
$250,000
Evacuation Risk
High
Healthcare in Mongolia
What to expect if you need medical care
Mongolia's healthcare system presents significant challenges for travelers. While costs appear moderate—around $150 for emergency room visits and $80 per hospital day—the quality of care is limited, especially outside Ulaanbaatar. English-speaking medical professionals are rare, creating communication barriers during emergencies. The real concern is the vast distances and sparse medical infrastructure. In remote areas, you may be hours or even days from any medical facility. For serious conditions, local hospitals cannot provide adequate treatment, necessitating evacuation to neighboring countries like Thailand for quality care. This combination of limited facilities, language barriers, and geographic isolation means that even moderate medical issues can quickly become complex and expensive situations requiring international evacuation.
What Your Policy Should Cover
Country-specific considerations for Mongolia
Your Mongolia policy must address the country's unique challenges. Medical evacuation coverage is absolutely critical—verify it includes helicopter rescue and search operations for remote areas, as ground transport may be impossible or inadequate. Ensure your minimum coverage is $100,000, though $250,000 is recommended. If you're planning popular activities, confirm specific inclusions: horseback riding requires equestrian activity coverage, remote trekking needs helicopter rescue provisions, and winter camping demands cold weather emergency protection. Given the high risk of extreme cold exposure from October through April, verify your policy covers frostbite and hypothermia treatment. Respiratory infections are common in winter, and altitude sickness poses year-round moderate risk. Since limited emergency services create ongoing challenges throughout the country, your policy should explicitly cover extended rescue operations and transport across extreme distances.
Extreme Cold Exposure
High Risk
Peak: October-April
Altitude Sickness
Moderate Risk
Peak: year-round
Limited Emergency Services
High Risk
Peak: year-round
Respiratory Infections
Moderate Risk
Peak: winter
Activity-Specific Coverage
Horseback Riding: Ensure coverage includes equestrian activities
Remote Trekking: Verify coverage includes helicopter rescue and search operations
Winter Camping: Confirm cold weather emergency coverage
How Much Coverage Do You Need?
Our recommendation based on Mongolia's healthcare costs
The recommended $250,000 coverage reflects Mongolia's high evacuation risk and geographic realities. While daily healthcare costs are moderate ($80-150), medical evacuations to Bangkok, Seoul, or Beijing for serious conditions cost tens of thousands of dollars. Remote locations mean you might need helicopter rescue, extended search operations, and international air ambulance services—all extremely expensive. The $100,000 minimum covers basic evacuation scenarios, but $250,000 provides essential buffer for complications, extended rescue operations in remote areas, and quality hospital care in destination countries after evacuation.
Minimum
$100,000
Basic emergencies only
Recommended
$250,000
Full protection
Making a Claim in Mongolia
Tips for smooth claims processing
Documentation Required: Medical reports in English translation, proof of payment, evacuation authorization, embassy verification may be required
- Obtain medical reports with English translations immediately—Mongolian hospitals rarely provide documentation in English, and you'll need translations for claims processing and embassy verification
- Keep all payment receipts and request itemized bills in both Mongolian and English if possible, as proof of payment is essential for reimbursement
- Contact your insurer before any evacuation if possible—evacuation authorization from your insurance company is typically required and can prevent claim denials
- Register with your embassy upon arrival, as embassy verification may be required for claims, especially for expensive evacuations
- Photograph all medical documents and upload them to cloud storage immediately, as you may need to leave Mongolia quickly during evacuation and documentation can be difficult to obtain later
Get Covered for Mongolia
Adventure destinations like Mongolia require solid evacuation coverage. Don't leave without it.
Get a Quote from World NomadsCoverage for 200+ countries • 24/7 emergency assistance • We may earn a commission at no extra cost to you.