Long-stay travel insurance for Georgia: cover for 6 or 12 months

Short answer

Resolution No. 602 asks foreign nationals to hold health insurance for the whole stay, with a sum insured of at least 30,000 GEL, and for no longer than one year. One policy covers up to 360 days: €69.90 for 90 days, €229.90 for 360 — €0.64 a day. Buy before you fly or once you are here, and line up the next one so there is no gap.

Prices for long stays

• 90 daysLight / Standard€69.90€0.78 a day · Standard €99.80Get a quote→
• 120 daysLight / Standard€89.90€0.75 a day · Standard €123.80Get a quote→
• 180 daysLight / Standard€124.90€0.69 a day · Standard €169.80Get a quote→
• 270 daysLight / Standard€177.40€0.66 a day · Standard €239.80Get a quote→
• 360 daysLight / Standard€229.90€0.64 a day · Standard €309.80Get a quote→

The longer the term, the less you pay per day: long trips have their own price steps, not a stretched 90-day rate.

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• Light — the 30,000 GEL sum insured the border asks for, reimbursed in full. Standard — same cover plus mobile internet.
• Light has a deductible, Standard does not. Children pay the same on Light; on Standard a child’s policy is 10% cheaper.

Get a quote for your stay

What the law requires for long stays

The rule comes from Government Resolution No. 602 of 26 December 2025 and applies since 1 January 2026. Three things matter on a long stay:

1. The sum insured is at least 30,000 GEL. Both our plans carry exactly this sum, so Light satisfies the rule as fully as a dearer one.
2. Cover runs for the entire stay. A policy that ends halfway through does not meet the rule, even if it was valid at the border.
3. One year is the ceiling. The requirement stops at twelve months — nobody buys a policy longer than a year at once.

The insurer may be Georgian or foreign, but the policy must be in Georgian or English.

Does a nomad policy like SafetyWing or Genki count at the border?

It can. The rule is about what the document covers, not who sold it: medical and accident cover, at least 30,000 GEL, the whole stay, in Georgian or English. The catch is the sum insured — plans priced in dollars or euro often sit below 30,000 GEL once converted.

Which insurance fits a long stay

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Three to six months, working and travelling. The travel policy is enough: it meets the rule and covers what happens on the road — injuries, infections, a tooth that gives up at the wrong moment.

A year or more, settling in. Take the travel policy for the entry rule and a local medical plan for what it never covers: routine visits, chronic conditions, dentistry.

Renewing and extending cover

Our policy covers up to 360 days in one go. Two cases need planning.

Staying 365 days. A 360-day policy leaves five days uncovered. Buy a short second policy for them, starting the day the first ends.

Staying longer than a year. The entry rule stops at twelve months, your need for cover does not: take the next policy from the day the old ends, or move to a local plan.

How to avoid a gap, in practice:

1. Check the end date on your policy — cover ends at the end of that day.
2. Buy the next one in advance, starting the day after.
3. Keep both PDFs: together they show an unbroken period.

A policy can be bought while you are already in Georgia, starting the same day — no need to leave the country.

What is and isn’t covered on a long stay

A travel policy is built for sudden events, not ongoing treatment — over many months that difference shows.

The policy works only inside Georgia — anywhere in the country, nowhere beyond its borders.

Covered in full:

• emergency medical care and ambulance — no limit;
• urgent dental care — up to 2,000 GEL; emergency vaccination — no limit;
• medical evacuation — up to 1,000 GEL, and repatriation.

Not covered (IRAO policy terms, clause 9):

• chronic illnesses and anything you already had before the trip, with complications — except where urgent care saves your life (9.1.10). The terms call an illness chronic if it lasts three months or more, recurs or progresses;
• pregnancy and childbirth (an ectopic pregnancy is reimbursed, 9.1.16);
• routine check-ups and planned treatment — the policy pays for the unexpected;
• professional, amateur and extreme sport (9.1.22); psychiatric disorders (9.1.15);
• self-treatment (9.1.23), intoxication (9.1.3), war, terrorism, radiation (9.1.1–9.1.6).

Over 65, expenses are reimbursed at 50% of the sum insured under IRAO’s terms. The policy still meets the entry rule — but count on the lower figure.

Full wording — IRAO policy terms.

Residence permit holders and digital nomads

Resolution No. 602 applies to foreign nationals entering Georgia. With a residence permit you are not entering every day you live here — but the rule applies each time you cross the border. So:

• At border crossings — keep a valid travel policy for your travel dates.
• For everyday care — routine visits and chronic conditions belong to a local medical plan, sold monthly from 50 GEL.

Using your policy in Georgia

1. Call the assistance number on your policy first — they pick the clinic and sort out payment.
2. Keep every document — the doctor’s report, prescriptions, receipts: a reimbursement claim stands on them.
3. Direct billing or reimbursement — assistance settles with the clinic, or you claim it back.

In an emergency call 112, then the assistance line. Details — claims page.

Who issues the policy

The insurer is IRAO, a licensed Georgian company and part of Vienna Insurance Group; 100doc.ge is its agent. At the border you show an IRAO policy — the same document the company issues directly. Details — about page.

How to buy in 3 steps

1. Choose your dates — any term up to 360 days; the price per day falls as the term grows.
2. Pay by card from any country, or by instant transfer from a Russian bank.
3. Get the PDF by email within a minute, in English, ready for the border.

If the trip falls through, the policy is cancelled with a full refund while at least 48 hours remain before the start — write to help@100doc.ge with your order number.

FAQ

Insure your whole stay

Cover for the whole stay, 90 to 360 days, with the sum insured the border asks for.

Get a quote for your stay