Travel to Armenia to backpack, study, intern, volunteer, work, or live as a digital nomad, expat or emigrant?

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Intro
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Backpacking or traveling in Armenia?

  • Armenia is a great backpacking country with ancient history, beautiful mountain scenery, and friendly people. It is a relatively cheap destination compared to many other countries in Europe and offers travelers an authentic cultural experience. From historic monasteries to untouched nature, the country is a great destination for travelers and backpackers looking to get off the beaten track for a few weeks.
  • Activities to spot: Visit historic monasteries and churches such as Tatev, Geghard, and Khor Virap; explore the beautiful Lake Sevan; hike in Dilijan National Park; climb Mount Aragats; taste local wines in the Areni region; and listen to Sharakans, traditional Armenian songs.
  • Animals to spot: Armenian mouflon, bezoar goat, Caucasian leopard, bearded vulture, Armenian seagull.
  • Food Spotting: khorovats (grilled meat), dolma (stuffed vine leaves), lavash (bread), khash (hearty soup made from cow’s feet and intestines), chorek (Armenian Easter bread), Armenian rice pilaf, ganach lupia (beans in tomato sauce), harissa.
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Studying in Armenia?

  • Armenia offers a wide range of high-quality study programs, ranging from engineering and medicine to arts and international relations. The capital Yerevan in particular is an important academic center with several universities that are increasingly catering to international students.
  • City to Study: Yerevan. 
  • Language: programs are mostly taught in Armenian, but there are also programs in English and Russian, especially at international universities.
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Internships in Armenia?

  • There are several internship opportunities in Armenia, especially in sectors such as technology, tourism, education, and international organizations. The country is developing a technology sector, which also offers opportunities for international interns.
  • Competencies: intercultural communication, project management, innovation in technology, problem solving skills, etc.
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Volunteer in Armenia?

  • Volunteering in Armenia offers the opportunity to contribute to community projects, educational programs or nature conservation. Especially in rural areas, there is a great need for volunteers in the fields of education, agriculture and health care. You can volunteer in projects focused on community development, education, and sustainability, as well as nature conservation and the environment. Many organizations focus on helping vulnerable communities and preserving Armenia’s natural and cultural heritage.
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Work in Armenia?

  • Although employment opportunities for foreigners in Armenia are limited, there are still opportunities in sectors such as IT, education, development projects and tourism.
  • Language: English is increasingly spoken, especially in the business and education sectors, but knowledge of Armenian or Russian is useful for working in more local environments.
  • Work culture: Hierarchy and respect for authority are important, as are networking and building personal relationships.
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Working as a digital nomad in Armenia?

  • Armenia is becoming an emerging destination for digital nomads, thanks in large part to its low cost of living, reliable internet connections, and beautiful nature. The capital city of Yerevan has co-working spaces, cafes with wifi, and offers a vibrant urban culture.
  • Favorite locations: Yerevan, Dilijan, Gyumri
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Living in Armenia?

  • Armenia is a safe and affordable place to live, especially for expats and digital nomads. Yerevan offers a mix of modern city life and traditional culture, while the countryside offers the charm of a quiet and simple life. The cost of living is low compared to many European countries. In Yerevan, there are modern apartments and international schools available for expats.
  • Culture: Armenian culture is deeply rooted in traditions of hospitality, family, and religion. Expats will find Armenians to be very friendly and helpful, but there may be a cultural adjustment needed in more conservative parts of the country.
  • Language: Speaking Armenian is a big advantage, but in larger cities Russian is often a good alternative.
  • Climate: pleasant summers and cold winters! Health insurance: healthcare has improved in recent years, but still faces challenges. So make sure you have your own good health insurance in case you need private help or help in another country.
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CHECK COUNTRY INFORMATION  CHECK PREPARING AND INSURANCE  CHECK ACTIVITIES AND STORIES 

 

Armenia Country Bundle: suggestions, stories and tips

Armenia Country Bundle: suggestions, stories and tips

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Content about Armenia on WorldSupporter

Armenia: Updates & Travel

Armenia: Updates & Travel

Travel in Armenia

  • Geographically, Armenia belongs to Asia, but culturally and historically it considers itself part of Europe and calls itself a European country. Armenia has been located in a troubled region for centuries. The relationship with Azerbaijan in particular is, to say the least, strained. This is one of the reasons why Armenia rarely appears on lists of potential travel destinations. However, the country has a lot to offer; nature, history and, above all, very hospitable people.

Updates Armenia

  • More about Armenia, updates and contributions, see the link below.

 

How does healthcare work in Armenia, and what travel insurance, health insurance or expat insurance do you need?

How does healthcare work in Armenia, and what travel insurance, health insurance or expat insurance do you need?

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How does the healthcare system work in Armenia?

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What is the quality of healthcare in Armenia?

  • The great thing about Armenia is that according to the law, everyone, including foreigners, has the right to medical care. First aid must be provided to everyone, regardless of whether they can afford it or not.
  • The country does face several challenges in healthcare. For example, the number of deaths from non-communicable (chronic) diseases is considerably higher than in the rest of the world. There is much to improve in healthcare and fortunately the country is working hard on that!
  • The Armenian healthcare system is dualistic in nature and consists of public and private institutions. The best healthcare institutions can be found in the capital Yerevan. Various specialists and hospitals can be found via the website doctors.am.
  • Outside the capital, healthcare workers speak little English. The main language here is Armenian or Russian, which can make communication difficult.
  • In case of an emergency, you can call 103 for an ambulance. The general emergency number 911 can also be called.
  • There are many pharmacies, which is why some are also open 24 hours a day. There are also pharmacies with online systems (often only in Armenian or Russian).
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How does the public healthcare system work in Armenia?

  • The public health care system is financed by the Ministry of Health. The Basic Benefits Package (BBP) covers the entire population for primary care. Free and cheap care is available to all citizens and official residents of Armenia. Most locals use the public health care system.
  • The quality of public health care in Armenia generally lags behind countries in the West, especially in rural areas. It is sufficient for basic care, but for complex situations people usually seek help abroad or at private clinics.
  • Particularly outside Yerevan, care is limited and of poorer quality.
  • Medical care for residents under 18 is free. Foreigners can also use the public health care system, but usually have to pay (more).
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How does the private healthcare system work in Armenia?

  • The private healthcare sector is growing, especially in Yerevan and other large cities.
  • Private healthcare, as in most countries, is generally of better quality and offers better facilities. There are several private clinics and hospitals, especially in the capital Yerevan.
  • Private healthcare costs a bit more, but foreigners generally use private hospitals and clinics, especially for emergencies and major operations. And it is still cheaper than in the West.
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How is the general practitioner arranged in Armenia?

  • Public GPs or family doctors can be found at outpatient clinics. This doctor can refer you to further help. For this you will receive a document that you need to receive free care.
  • Register at the clinic by going there with your passport and your social security number.
  • A popular option for expats is to find a GP/family doctor at private clinics.
  • Pre-register at a polyclinic or private clinic in your area to have quick access to care.
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How is the dentist arranged in Armenia?

  • The quality of dental care varies. In general, the quality at private clinics is good and is preferred by emigrants. The country is popular for dental tourism because of the low costs and relatively good treatments.
  • Dentists can be found via the website zub.am. The website provides an overview of doctors and practices throughout the country.
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How is pregnancy care arranged in Armenia?

  • Under the public system, pregnancy care is completely free, but it does come with limitations. For example, you generally share a room with other women during the birth and your own doctor may not be present.
  • Most foreigners therefore choose private healthcare providers, often based on recommendations from other expats. In the private sector, you usually have less trouble with a language barrier and more freedom of choice.
  • Prenatal care consists of several tests and ultrasounds, but this does depend on the clinic you go to. The care is generally good, but cultural differences can cause friction, especially after the birth.
  • Caesareans are fairly common and the percentage of caesareans is comparable to that in Western countries.
  • Maternity leave is quite well regulated in Armenia. Roughly speaking, a woman is entitled to 100% paid leave 70 days before and 70 days after the birth. A woman can also take up to three years of unpaid maternity leave after the birth, while keeping her job. The latter also applies to the father. The father can also take two months of unpaid leave during pregnancy, birth and until the child's first birthday.
  • In general, the mother stays in the hospital for three days after a normal delivery and four days after a caesarean section.
  • Pregnancy clinics can be found on the website pages.am.
  • The Armenian government is encouraging breastfeeding, especially since the introduction of a new law that obliges health workers to encourage breastfeeding. Breastfeeding in public is becoming increasingly accepted, but is not yet common everywhere.
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How safe or unsafe is a trip or stay in Armenia?

What should you pay attention to in terms of safety in Armenia?

  • Armenia is generally a fairly safe country with low crime rates. Armed incidents occasionally occur near the border with Azerbaijan and in the Nagorno-Karabakh region. Travel to these areas is discouraged.
  • As a foreigner, you can also be the target of petty crime, especially in busy areas.
  • The LGBTQ+ community in Armenia can face discrimination and aggression.
  • Earthquakes occur in Armenia so it is wise to be aware of what to do in the event of an earthquake.

What should you look out for in terms of diseases in Armenia?

  • Diseases that are transmitted through food and water, and other infectious diseases, are a risk in Armenia. Diseases transmitted by insects such as mosquitoes are also a problem. So protect yourself well against insects!
  • In some parts of Armenia you can suffer from altitude sickness. Pay close attention to the symptoms of altitude sickness.
  • Armenia is rich in healthy drinking water. In Yerevan, for example, you will find 2.750 small fountains - pulpulak - where you can drink delicious and healthy water.

What should you pay attention to when it comes to traffic in Armenia?

  • The roads in Yerevan and other large cities are generally good, but this can be different in the countryside. In the capital, traffic is often busy and chaotic during rush hour.
  • Armenian drivers are often seen as quite aggressive and reckless compared to Western European standards. Be prepared for drivers who drive too fast, cut off suddenly and do not follow traffic rules too closely. Oh, and as a pedestrian, it is better not to expect priority.
  • Mountain roads are often difficult to drive on, especially in winter due to snow and ice. Many roads do not have guardrails.
  • Lighting outside the cities is limited, making night driving more dangerous.
  • Buses and minibuses ("marshrutkas") are cheap but overcrowded and run without a fixed timetable.
  • Seat belts are mandatory, but not everyone wears them.
  • Armenia also has a large train network that is linked to neighboring countries.
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What work and travel insurance policies are suitable for short and long stays in Armenia?

  • Is the trip to Armenia and your return sufficiently covered? Are you sufficiently covered before, during and after your activities? Which insurance best suits your trip and your activity? Read more about insurances for abroad on JoHoinsurances.org.
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What emigration and expat insurance can you take out for Armenia if you are going to live there for a while?

  • If you are going to live in Armenia, you can use the local health insurance system under very specific conditions. This provides access to basic services, but many things are not covered. It is generally recommended to take out private insurance to access better healthcare facilities. It is also important to look at the coverage for medical evacuation, as this may be necessary in serious cases.
  • Read more about insurances for abroad on Expatinsurances.org.
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Armenia: selection of contributions by WorldSupporters - Bundle

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What insurance can you choose as backpacker, emigrant, expat, intern, nomad, student, volunteer or traveler abroad?
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What are the main international insurances through JoHo and WorldSupporter for activities, backpacking or travel to or from Armenia

Advice and decision support
Insurance
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What are the main international insurances through JoHo and WorldSupporter for emigrants, expats and nomads in Armenia

Advice and decision support
Insurance
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Why get specific insurance when going abroad: per activity abroad
What is travel insurance, and why take out specific insurance when you go on a trip or vacation?

What is travel insurance, and why take out specific insurance when you go on a trip or vacation?

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What is travel insurance to insure your trip or vacation?

  • Travel insurance is insurance that provides coverage for risks during a trip or vacation abroad. This mainly concerns loss of or damage to your luggage, medical assistance in the event of accidents, for example, or repatriation costs if you need to be transported back to your home country urgently. In some cases, travel insurance coverage also applies in your home country.
  • With continuous travel insurance, you are insured for all your trips throughout the year.
  • With temporary travel insurance, you take out insurance for each trip for the duration of the trip.
  • Cancellation insurance reimburses (all or part of) the travel sum, cancellation or accommodation costs if you have to cancel or interrupt your vacation.
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Why should you take out travel insurance for a short trip, vacation, or long-distance trip?

  • Travel insurance can provide coverage in the event of an accident or emergency while you are away.
  • Travel insurance can provide coverage for damage and accidents during the adventurous or sporting activities you are going to do.
  • Travel insurance can continue to provide coverage if your Dutch basic health insurance no longer provides coverage, or if the damage is only reimbursed at Dutch cost price.
  • Travel insurance can provide coverage in the event of damage, loss, or theft of your luggage.
  • Travel insurance can provide coverage if you are held liable for damage you cause to other people or their property.
  • Travel insurance can provide coverage if you have to return home early because something has happened to you or your immediate family.
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What is important to insure when you are going to travel?

  • That you have insurance that is valid in the countries where you are going to travel and possible work.
  • That you are adequately insured for the sports and activities you are going to participate in during your full period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work or voluntary work during your world trip.
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What insurance do you need for a trip or vacation?

 

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Travel insurances and insurances for long term abroad - Theme
What is round the world travel insurance or long-term travel insurance, and why take out specific insurance when you go abroad?

What is round the world travel insurance or long-term travel insurance, and why take out specific insurance when you go abroad?

Round the world travel insurance or long-term travel insurance

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What is round the world travel insurance or long-term travel insurance?

  • Round the world travel insurance means that you take out insurance that continues to provide coverage during all your activities abroad, and which is specifically intended for those who travel for long periods of time, such as world travelers, globetrotters, and nomads.
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Why should you take out specialized travel insurance for a long trip abroad?

  • Round the world travel insurance provides coverage for a much longer trip than regular travel insurance.
  • World travel insurance is specifically intended for longer trips, whereas regular travel insurance may offer coverage on paper, but in practice handles it differently.
  • World travel insurance is suitable for many types of activities, ranging from high-altitude trekking to more risky sports.
  • World travel insurance continues to provide coverage if you start working during your trip, whether planned or unplanned. If you did not take out insurance before departure that allows you to work, there is no guarantee that you will be able to take out insurance that provides coverage while abroad.
  • Long-term travel insurance continues to provide coverage when your home country's health insurance no longer does.
  • Worldwide travel insurance also covers your medical expenses up to the actual cost, and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • Worldwide travel insurance can also continue to provide coverage if negative travel advice is issued.
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What is important to insure when you are going to travel around the world?

  • That you have insurance that is valid in the countries where you are going to travel and possibly work.
  • That you are adequately insured for the sports and activities you are going to participate in during your full period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work or voluntary work during your world trip.
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What insurance do you need when backpacking abroad?

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Travel insurances and insurances for long term abroad - Theme
What is backpack insurance, and why take out specific insurance when you go backpacking abroad?

What is backpack insurance, and why take out specific insurance when you go backpacking abroad?

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What is backpacking insurance and travel insurance for backpackers?

  • Backpacking insurance for backpackers means that you take out insurance that continues to provide coverage during all your activities abroad and is specifically intended for those who are traveling for a long time, traveling independently, or making frequent use of local transportation.
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Why should you take out travel insurance specifically for backpacking?

  • Travel insurance for backpacking can provide coverage in the event of an accident or emergency while backpacking.
  • Travel insurance for backpacking can provide coverage for damage and accidents during your adventurous or sporting activities.
  • Travel insurance for backpacking can continue to provide coverage if your Dutch basic health insurance no longer provides coverage, or if the damage is only reimbursed at Dutch cost price.
  • Travel insurance for backpacking can provide coverage in the event of damage, loss, or theft of your luggage while backpacking.
  • Travel insurance for backpacking can provide coverage if you are held liable for damage you cause to other people or their property.
  • Travel insurance for backpacking can provide coverage if you have to return home early because something has happened to you or your immediate family while backpacking.
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What aspects are important to insure when backpacking abroad?

  • The duration of your trip: so that you are also covered during a very long backpacking trip, or can extend your coverage if you want to stay longer
  • The activities during your trip: so that you can also participate in all kinds of sports and adventure activities that are excluded from travel insurance
  • Coverage of your medical expenses during your trip: so that you are always covered, even if you go to work or if the costs in the event of an accident are higher than the Dutch rate
  • Coverage for natural disasters and war during your trip: so that you don't have to return home immediately with your tail between your legs every time the Dutch government issues negative travel advice
  • Your insurer's specialization: so that your insurer specializes in backpacking trips or long stays abroad, and doesn't treat you like an “all-inclusive sunglasses claimant.”
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What insurance do you need when backpacking abroad?

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Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad, healthcare systems and health insurance abroad
What is insurance for working abroad, and why do you need specific insurance if you are going to do paid work?

What is insurance for working abroad, and why do you need specific insurance if you are going to do paid work?

Insurance for working abroad

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What is insurance for working abroad?

  • Insuring yourself for working abroad means taking out insurance that continues to provide coverage during your paid work abroad.
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Why take out insurance, and when is normal travel insurance no longer sufficient?

  • There may be several reasons why you need separate insurance for paid work abroad.
  • During your work, local employers generally offer no or limited insurance that does not provide sufficient coverage.
  • The risk of accidents is sometimes greater during your work, for example because you are doing work with which you have little experience or because of the nature of the work.
  • During specific work abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only special insurance policies offer coverage during this type of work.
  • During work, internships, or volunteer work abroad where you receive a salary or compensation (for example, food or housing), your local health insurance coverage will normally lapse. You will then need special insurance to remain insured for illness and accidents.
  • Standard travel insurance policies generally do not provide sufficient coverage to apply for a work visa or working holiday visa.
  • Standard travel insurance policies generally only cover stays abroad for a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that there will be no coverage for the entire travel period.
  • Standard travel insurance policies generally only provide coverage for recreational travel without study, internship, or work. If you engage in activities other than recreational activities, this generally means that you will no longer be covered for the entire travel period.
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What should you pay attention to in your insurance policy if you are going to work abroad?

  • Make sure you have insurance that is valid in the area where you will be traveling and working.
  • Make sure you are adequately insured for the sports and activities you will be participating in.
  • that you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • that your medical expenses are insured up to the actual cost (what it actually costs), and not just for the standard costs. In most countries, healthcare costs are higher than in the Netherlands.
  • that you insure your luggage and take sufficient precautions against theft or damage.
  • that you are well insured against personal liability.
  • that you are well insured in case of accidents.
  • that you insure yourself for legal assistance if there is an immediate reason to do so, unless the coverage is already automatically included in the insurance.
  •  that you take care to choose the right coverage when working in healthcare, with wild animals, and with dangerous machinery.
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What insurance do you need to work abroad?

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International insurance for working abroad
What is volunteer insurance, and why should you take out specific insurance if you are going to do volunteer work

What is volunteer insurance, and why should you take out specific insurance if you are going to do volunteer work

Volunteering abroad with the right insurance

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What is insurance for volunteering abroad?

  • Insuring volunteer work abroad means taking out insurance that continues to provide coverage while you are working as a volunteer abroad
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Why should you take out specialized travel insurance for voluntary work abroad?

  • There may be several reasons why you need separate insurance when volunteering abroad.
  • During specific activities abroad, additional requirements may apply if your work involves extra risks. Only specific insurance policies offer coverage during these activities.
  • The risk of accidents is sometimes higher during your work, for example because you are doing work you have little experience with or because of the nature of the work.
  • Local projects or employers generally offer no or limited insurance that provides insufficient coverage during your work.
  • When volunteering abroad and receiving minor financial compensation (or, for example, food or housing), your home country's health insurance coverage will potentially lapse. You will then need special insurance to remain insured for illness and accidents.
  • Regular travel insurance policies generally provide coverage for trips of a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that for the entire travel period, you will not be covered.
  • Regular travel insurance policies generally only provide coverage for recreational travel without voluntary work activities. If you engage in activities other than recreational activities (such as volunteer work), this generally means that for the entire travel period, you will not be covered.
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What is important to insure when you are going to work as a volunteer abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel and volunteer.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That when performing work in healthcare, with wild animals, and with dangerous (agricultural) machinery, you take care to choose the right coverage.
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What insurance do you need when volunteering abroad?

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Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad, healthcare systems and health insurance abroad
Why should you take out specialized travel insurance for an internship abroad?

Why should you take out specialized travel insurance for an internship abroad?

Internship abroad with the right insurance

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What is insurance for an internship abroad?

  • Insuring an internship abroad means taking out insurance that continues to provide coverage during your internship abroad
  • Insurance for internships abroad are also referred to as internship insurance. This internship insurance is specifically for when you go abroad for a long period of time to work as an intern, take courses, or conduct research abroad.
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Why should you take out specialized travel insurance for an internship abroad?

  • There may be several reasons why you need separate insurance for an internship abroad.
  • During internship activities abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only specific insurance policies offer coverage during these activities.
  • During your internship, the risk of accidents is sometimes greater, for example because you are doing work with which you have little experience or because of the nature of the work.
  • During your internship, local employers generally do not offer insurance, or offer limited insurance that does not provide sufficient coverage.
  • During an internship abroad where you receive financial compensation (or, for example, food or accommodation), your home country's health insurance coverage will potentially lapse. You will then need special insurance to remain insured for illness and accidents.
  • Regular travel insurance policies generally provide coverage for trips of a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that for the entire travel period, you will not be covered.
  • Regular travel insurance policies generally only provide coverage for recreational trips without work activities.
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What is important to insure when you are going to be an intern abroad?

  • That you have insurance that is valid in the area where you will be traveling and doing your internship.
  • That you are adequately insured for the sports and activities you will be participating in.
  • That you are insured for emergency assistance and early return in case something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost (what it actually costs), and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability and, preferably, also for liability during your internship.
  • That you are well insured in case of accidents.
  • That you insure yourself for legal assistance if there is an immediate reason to do so, unless the coverage is already automatically included in the insurance.
  • Make sure you choose the right coverage for internship work in healthcare, with wild animals, or with dangerous machinery!

Check out more about international insurances

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Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad, healthcare systems and health insurance abroad
What is insurance for studying abroad, and why should you take out specialized travel insurance for your education abroad?

What is insurance for studying abroad, and why should you take out specialized travel insurance for your education abroad?

Studying abroad with the right insurance

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What is insurance for studying abroad?

  • Insurance for studying abroad means that you take out insurance that continues to provide coverage during your studies, your education, and your related activities abroad.
  • Insurance for studying abroad is also referred to as study insurance. This study insurance is specifically for when you go abroad for a long period of time to take courses, study, or conduct research abroad.
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Why should you take out specialized travel insurance for a study abroad?

  • Study insurance is specifically designed for studying abroad, whereas regular travel insurance policies may offer coverage on paper but handle this situation differently in practice.
  • Study insurance offers coverage for longer stays than regular (vacation) travel insurance.
  • Study insurance is also suitable for many types of activities, ranging from various sports to hiking at high altitudes.
  • Study insurance continues to provide coverage if you start working during your trip, whether planned or unplanned. If you have not taken out insurance before departure that allows you to work, there is no guarantee that you will be able to take out insurance abroad that provides coverage.
  • Study insurance continues to provide coverage if your own country's health insurance no longer provides coverage.
  • Student insurance also covers your healthcare costs above the rates in your own country; with regular insurance, you have to pay the extra costs yourself.
  • Student insurance can also continue to provide coverage if (study) visa issuers impose additional requirements on how you insure yourself, for example if you are going to the US and applying for a J-1 visa.
  • Student insurance continues to provide coverage if you are staying abroad for a longer period of time and want to visit your own country in between.
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What is important to insure when you are going to study abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel and work.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work alongside your studies.

Check out more about international insurances

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Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad, healthcare systems and health insurance abroad
What is an expat insurance or emigration insurance, and why specifically take out insurance if you are going to do move abroad?

What is an expat insurance or emigration insurance, and why specifically take out insurance if you are going to do move abroad?

Take out insurance if you are going to do move abroad as expat or emigrant?

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What is an expat insurance?

  • Expat insurance is insurance that continues to provide coverage if you go to work abroad for a local or international employer for an extended period of time.
  • Expat insurance is not only intended for expats, but for anyone who has a more permanent job abroad.
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What is an emigration insurance, or insurance for moving and living abroad?

  • Emigration insurance is an insurance that continues to provide coverage if you move abroad permanently or for an indefinite period of time.
  • Emigration insurance is not only intended for emigrants, but for anyone who leaves their home country for an extended period of time and does not intend to return in the foreseeable future.
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Why should you take out specialized insurance for emigration or working as an expat abroad?

  • Emigration or expat insurance not only provides coverage for acute assistance in the event of illness or accident abroad, such as travel insurance, but can also provide coverage for existing conditions and ailments or non-urgent care.
  • Emigration or expat insurance does not require you to maintain valid health insurance in your home country.
  • Emigration or expat insurance provides coverage for preventive care or costs related to pregnancy and childbirth.
  • Emigration or expat insurance also provides coverage for long-term treatments and chronic conditions without you having to return to your home country.
  • Emigration or expat insurance often has no restrictions on the duration of the insurance, unlike travel insurance.
  • Emigration or expat insurance usually maintains coverage in cases such as negative travel advice or acts of war.
  • Emigration or expat insurance offers various solutions in the areas of disability, home and household insurance, goods transport, and liability.
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What is important to insure when you are going to move abroad?

  • That you have insurance that is valid in the country or countries where you are going to live and/or work.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you pay close attention to choosing the right coverage when performing work with additional health risks
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When can you also live abroad for a longer period of time with travel insurance?

  • There are also special expiring travel insurance policies that provide coverage without you having valid health insurance in your home country, however, these travel insurance policies are not intended for emigration or expats, but for stays outside your home country of up to a few years, for study, temporary work, volunteer work, and longer trips.
  • See the information at International Insurances for backpacking and travel abroad
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What insurance do you need for emigration or working as an expat abroad?

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Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad, healthcare systems and health insurance abroad
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Table of content

  • Why should you take out insurance through the JoHo Foundation when you go abroad?
  • Insuring activities abroad:
    • internships, studying, volunteer work or paid work
    • backpacking, holiday, travel or round the world
    • emigration, living abroad, working as expat
  • Insurances for abroad: per insurance 
  • Insurances for abroad: per organization
  • How healthcare works
......Read more on this page

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Safety and insurances for Armenia

How does healthcare work in Armenia, and what travel insurance, health insurance or expat insurance do you need?

How does healthcare work in Armenia, and what travel insurance, health insurance or expat insurance do you need?

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How does the healthcare system work in Armenia?

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What is the quality of healthcare in Armenia?

  • The great thing about Armenia is that according to the law, everyone, including foreigners, has the right to medical care. First aid must be provided to everyone, regardless of whether they can afford it or not.
  • The country does face several challenges in healthcare. For example, the number of deaths from non-communicable (chronic) diseases is considerably higher than in the rest of the world. There is much to improve in healthcare and fortunately the country is working hard on that!
  • The Armenian healthcare system is dualistic in nature and consists of public and private institutions. The best healthcare institutions can be found in the capital Yerevan. Various specialists and hospitals can be found via the website doctors.am.
  • Outside the capital, healthcare workers speak little English. The main language here is Armenian or Russian, which can make communication difficult.
  • In case of an emergency, you can call 103 for an ambulance. The general emergency number 911 can also be called.
  • There are many pharmacies, which is why some are also open 24 hours a day. There are also pharmacies with online systems (often only in Armenian or Russian).
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How does the public healthcare system work in Armenia?

  • The public health care system is financed by the Ministry of Health. The Basic Benefits Package (BBP) covers the entire population for primary care. Free and cheap care is available to all citizens and official residents of Armenia. Most locals use the public health care system.
  • The quality of public health care in Armenia generally lags behind countries in the West, especially in rural areas. It is sufficient for basic care, but for complex situations people usually seek help abroad or at private clinics.
  • Particularly outside Yerevan, care is limited and of poorer quality.
  • Medical care for residents under 18 is free. Foreigners can also use the public health care system, but usually have to pay (more).
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How does the private healthcare system work in Armenia?

  • The private healthcare sector is growing, especially in Yerevan and other large cities.
  • Private healthcare, as in most countries, is generally of better quality and offers better facilities. There are several private clinics and hospitals, especially in the capital Yerevan.
  • Private healthcare costs a bit more, but foreigners generally use private hospitals and clinics, especially for emergencies and major operations. And it is still cheaper than in the West.
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How is the general practitioner arranged in Armenia?

  • Public GPs or family doctors can be found at outpatient clinics. This doctor can refer you to further help. For this you will receive a document that you need to receive free care.
  • Register at the clinic by going there with your passport and your social security number.
  • A popular option for expats is to find a GP/family doctor at private clinics.
  • Pre-register at a polyclinic or private clinic in your area to have quick access to care.
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How is the dentist arranged in Armenia?

  • The quality of dental care varies. In general, the quality at private clinics is good and is preferred by emigrants. The country is popular for dental tourism because of the low costs and relatively good treatments.
  • Dentists can be found via the website zub.am. The website provides an overview of doctors and practices throughout the country.
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How is pregnancy care arranged in Armenia?

  • Under the public system, pregnancy care is completely free, but it does come with limitations. For example, you generally share a room with other women during the birth and your own doctor may not be present.
  • Most foreigners therefore choose private healthcare providers, often based on recommendations from other expats. In the private sector, you usually have less trouble with a language barrier and more freedom of choice.
  • Prenatal care consists of several tests and ultrasounds, but this does depend on the clinic you go to. The care is generally good, but cultural differences can cause friction, especially after the birth.
  • Caesareans are fairly common and the percentage of caesareans is comparable to that in Western countries.
  • Maternity leave is quite well regulated in Armenia. Roughly speaking, a woman is entitled to 100% paid leave 70 days before and 70 days after the birth. A woman can also take up to three years of unpaid maternity leave after the birth, while keeping her job. The latter also applies to the father. The father can also take two months of unpaid leave during pregnancy, birth and until the child's first birthday.
  • In general, the mother stays in the hospital for three days after a normal delivery and four days after a caesarean section.
  • Pregnancy clinics can be found on the website pages.am.
  • The Armenian government is encouraging breastfeeding, especially since the introduction of a new law that obliges health workers to encourage breastfeeding. Breastfeeding in public is becoming increasingly accepted, but is not yet common everywhere.
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How safe or unsafe is a trip or stay in Armenia?

What should you pay attention to in terms of safety in Armenia?

  • Armenia is generally a fairly safe country with low crime rates. Armed incidents occasionally occur near the border with Azerbaijan and in the Nagorno-Karabakh region. Travel to these areas is discouraged.
  • As a foreigner, you can also be the target of petty crime, especially in busy areas.
  • The LGBTQ+ community in Armenia can face discrimination and aggression.
  • Earthquakes occur in Armenia so it is wise to be aware of what to do in the event of an earthquake.

What should you look out for in terms of diseases in Armenia?

  • Diseases that are transmitted through food and water, and other infectious diseases, are a risk in Armenia. Diseases transmitted by insects such as mosquitoes are also a problem. So protect yourself well against insects!
  • In some parts of Armenia you can suffer from altitude sickness. Pay close attention to the symptoms of altitude sickness.
  • Armenia is rich in healthy drinking water. In Yerevan, for example, you will find 2.750 small fountains - pulpulak - where you can drink delicious and healthy water.

What should you pay attention to when it comes to traffic in Armenia?

  • The roads in Yerevan and other large cities are generally good, but this can be different in the countryside. In the capital, traffic is often busy and chaotic during rush hour.
  • Armenian drivers are often seen as quite aggressive and reckless compared to Western European standards. Be prepared for drivers who drive too fast, cut off suddenly and do not follow traffic rules too closely. Oh, and as a pedestrian, it is better not to expect priority.
  • Mountain roads are often difficult to drive on, especially in winter due to snow and ice. Many roads do not have guardrails.
  • Lighting outside the cities is limited, making night driving more dangerous.
  • Buses and minibuses ("marshrutkas") are cheap but overcrowded and run without a fixed timetable.
  • Seat belts are mandatory, but not everyone wears them.
  • Armenia also has a large train network that is linked to neighboring countries.
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What work and travel insurance policies are suitable for short and long stays in Armenia?

  • Is the trip to Armenia and your return sufficiently covered? Are you sufficiently covered before, during and after your activities? Which insurance best suits your trip and your activity? Read more about insurances for abroad on JoHoinsurances.org.
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What emigration and expat insurance can you take out for Armenia if you are going to live there for a while?

  • If you are going to live in Armenia, you can use the local health insurance system under very specific conditions. This provides access to basic services, but many things are not covered. It is generally recommended to take out private insurance to access better healthcare facilities. It is also important to look at the coverage for medical evacuation, as this may be necessary in serious cases.
  • Read more about insurances for abroad on Expatinsurances.org.
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From language courses to gap year abroad, from work experience to volunteering abroad, from paid work to internship abroad, from mountaineering to diving and from backpacking to travel around the world

Activities abroad

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    What social activities can you do abroad?

    • Opportunities are found in the areas of helping, learning or studying. You can get involved to volunteer in a social project at a school in Africa, Asia or Latin America. You can get involved in nature, in a project with animals or cleaning the sea or beaches. Those who want to learn more can choose for example a language course in Latin America, Spain or South Africa.
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    What work related activities can you do abroad?

    • If you want to gain work experience, and/or also earn money, go and work abroad. You can combine backpacking in Australia with temporary work. You can work on campsites in Europe or bush camps in Africa. You can pretty much go all over the world to work in the hospitality industry, hotels and hostels, in the healthcare sector or for example at a diving school.
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    What sports activities to do abroad?

    • Have you ever thought of mountain biking, rafting (going down a wild river on a raft or rubber dinghy, climbing or canoeing), survival (which involves building rafts, climbing or canoeing), abseiling (descending a rock face while secured to ropes), zip-lining (whizzing down a cable), canyoning (starting at the top of a river and then climbing, swimming, diving down the bed) or caving (scrambling, wriggling and crawling through caves and crevices)?
    • Maybe you feel more comfortable on a bodyboard (on a half-wave surfboard, you surf the high waves lying down-with flippers), on a hang glider or while paragliding (with a parachute you float down a mountain or dune), hydrospeeding (on a bodyboard with flippers and a wetsuit on you go down a wild river via rapids) or Tiefschneeskiing (racing down through powder snow)?

    Check the pages below for more activities and inspiration and where to go and how to arrange it

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      Icon Armenia: Updates & Travel
      Armenia: Updates & Travel

      Travel in Armenia

      • Geographically, Armenia belongs to Asia, but culturally and historically it considers itself part of Europe and calls itself a European country. Armenia has been located in a troubled region for centuries. The relationship with Azerbaijan in particular is, to say the least...

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