Travel insurance is not typically mandatory for travel to Africa and the Middle East, but it is strongly recommended. While some countries may require proof of insurance for visa purposes, the decision to purchase a travel insurance plan generally rests with the traveler. That said, having a travel insurance plan is especially important when traveling internationally, as it can help cover certain unforeseen events such as medical emergencies, trip cancellations and weather disruptions, which can be more complex when abroad.
For destinations in regions known for extreme weather or high-risk factors, such as hurricanes or civil unrest, it's advisable to buy comprehensive coverage as early as possible to ensure you're adequately protected.
Many U.S. health insurance plans may not have international coverage. To make sure you don’t risk having to pay unexpected emergency healthcare costs, having a travel insurance plan is essential. The U.S. Department of State recommends travel insurance that covers health, medical evacuation and trip cancellation when traveling internationally to help protect you against unexpected expenses.