Travel insurance for Morocco is a must-have when visiting this fascinating country. Although we don’t want to think about mishaps while we’re abroad, they can happen, and being covered by a comprehensive insurance policy ensures you can travel with peace of mind.
Buying travel health insurance for Morocco isn’t mandatory, but it’s highly recommended. I never go anywhere without a policy from one of the best travel insurance companies, and strongly suggest getting coverage. Especially since this country may have health and sanitation standards that vary significantly from what you’re used to. It’s not uncommon for tourists to suffer from stomach bugs and viruses here, but Morocco holiday insurance can support you in such cases.
For our trips, we always use Heymondo and, right now, we have their annual multi-trip travel insurance policy. This company offers an excellent coverage-to-price ratio and even includes electronics in its baggage loss benefit, a feature that’s hard to find with other providers. However, the reason why we choose them over and over is because they are the only travel insurance provider that pays medical bills upfront. And we’ve had to depend on Heymondo a few times in emergencies, and the support team has always gone above and beyond. If you choose this company, use our Heymondo discount code to save on your policy.
Of course, there are other options, and maybe one that works best for you. For example, SafetyWing is the cheapest one, but it has a $250 deductible per claim. Difficult to choose, I know! But don’t worry because, in this guide, I will be sharing the 6 best Morocco travel insurance plans and everything you need to know to make an informed decision.
Guide to the best travel insurance for Morocco
Below, you’ll find all the most important factors to consider when purchasing international travel insurance for Morocco. Along with each company’s prices, advantages, and disadvantages, you can expect additional tips:
- Do you need travel insurance for Morocco?
- Morocco travel insurance price comparison
- Best travel insurance to Morocco
- What does Morocco travel insurance cover?
- Tips for finding the best travel insurance for Morocco
Do you need travel insurance for Morocco?
Again, Morocco travel health insurance is not a requirement to enter the country. Even so, that doesn’t mean that it’s not extremely valuable. It’s always wise to take out a policy before your trip since you never know what could happen while you’re abroad.
From diseases and illnesses to accidents and injuries, and even theft and robberies, the best holiday insurance for Morocco can come in handy. You should also consider that this country may not have the same medical benefits that you’re used to at home, which makes travel insurance even more crucial.
Do you need travel insurance for Morocco?
Travel medical insurance for Morocco will cover the costs incurred from health emergencies, repatriation to your home country, trip interruption or cancellation, and lost, stolen, or damaged luggage. If you think about any of these scenarios, they’re quite costly, so you’ll be stuck paying hundreds or thousands of dollars if you don’t have insurance.
You deserve to enjoy your vacation, so I highly recommend buying a policy from one of the companies below. Also, be sure to wash any fruits or vegetables you buy in Morocco and drink bottled water (be careful with drinks that have ice). Most of all, be cautious and use common sense, as the risks of crime or theft in Morocco are very real. I don’t say this to scare you; I just want to drive home the message that travel insurance is worth every penny!
Morocco travel insurance price comparison
Before I give you the details on the best travel insurance for Morocco, I want to share this comparison table. The chart below shows, at a glance, the most critical aspects of each company, such as price, medical coverage, trip cancellation, and more.
To be as fair as possible, I simulated the same quote for each insurer: a 2-week trip to Morocco from the United States, with a trip cost of $5,000:
Price | $89.05 | $28.14 | $196.32 | $215.38 | $184 | $257.57 |
Deductible | $0 | $250 | $0 | $0 | $0 | $0 |
Medical Expenses Paid Upfront | Yes | No | No | No | No | No |
Emergency Medical | $200,000 | $250,000 | $250,000 | $250,000 | $50,000 | $50,000 |
Evacuation & Repatriation | $500,000 | $100,000 | $500,000 | $1,000,000 | $500,000 | $500,000 |
Baggage Loss | $3,000 | $3,000 | $1,500 | $2,500 | $1,000 | $1,000 |
Trip Cancellation | $10,000 | Not covered | 100% of $5,000* | 100% of $5,000* | 100% of $5,000* | 100% of $5,000* |
Trip Interruption | $10,000 | $5,000 | 150% of $5,000* | 150% of $5,000* | 150% of $5,000* | 150% of $5,000* |
BEST TRAVEL INSURANCE FOR MOROCCO |
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*Price used for example
As you can see, Heymondo stands out for its competitive price and coverage amounts, especially regarding trip interruption, cancellation, and baggage loss. It’s also the only Morocco travel insurance that pays your medical expenses upfront, so you don’t have to pay out of pocket and then file a reimbursement claim.
Heymondo is one of the best travel insurance companies overall, but it’s not the only one. If you’re concerned about price, I recommend SafetyWing. It’s one of the cheapest travel insurance options, so you can still enjoy coverage on a budget. Just bear in mind that it has a $250 deductible per claim, so if you finally need to use it, it’s not that cheap at all.
I’ll share more about these companies and the others below.
Best travel insurance to Morocco
If you’re looking for the best holiday insurance for Morocco, these are the top choices:
- Heymondo, the best travel insurance for Morocco
- SafetyWing, a cheap Morocco travel insurance
- IMG Global, a good Morocco travel insurance for seniors
- Trawick International, an excellent Morocco holiday insurance for students
- Travelex, a basic travel insurance for Morocco
- AIG Travel Guard, another Moroccan travel insurance
Keep reading to learn more about these providers, including coverage amounts, trip-related benefits, and more.
1. Heymondo, the best travel insurance for Morocco
Hands down, Heymondo is the best travel insurance for Morocco for several great reasons. First, it offers some of the highest coverage limits for emergency medical expenses and repatriation. Second, it has excellent baggage loss benefits, something you’ll surely want in Morocco. Besides, they even include electronics in this benefit while most other companies require you to purchase electronics coverage as an add-on.
But what makes Heymondo the top-rated holiday insurance for Morocco is that it’s the only provider that pays your medical expenses upfront. If you get sick or hurt during your trip, contact Heymondo, and they’ll point you to the nearest hospital or clinic. The best thing is that the company will have taken care of your medical bills by the time you get treated. So no need to shell out tons of money, file a claim, and wait for reimbursement.
In addition, Heymondo offers $10,000 in trip cancellation and interruption and a 24/7 travel app with a Teledoc service, so you can always get in touch with a doctor to resolve medical questions quickly. Besides, the customer support team is always available via the free telephone line, so in terms of traveler assistance, there is no similar one.
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We’ve used Heymondo for years and have been delighted with the experience. First, we had their long-stay travel insurance, and now that we’re traveling full-time, we use their annual multi-trip insurance. I’ve had to rely on this insurance several times for medical emergencies and accidents, and they’ve always been prompt, professional, and polite. You can read more about my insights in my Heymondo review.
Finally, this insurance already comes at a great price, but you can save even more using our 5% Heymondo discount.
2. SafetyWing, a cheap Morocco travel insurance
If you’re looking for affordable travel insurance, I recommend a policy from SafetyWing. Their Nomad Insurance is one of the cheapest Morocco travel insurance options, so you can enjoy great coverage on a budget. However, bear in mind that it comes with a $250 deductible per claim, so you’ll have to pay $250 out of pocket before they cover your medical costs.
Still, it’s one of the top medical insurances for travelers because it offers great emergency medical coverage. It also provides good coverage for trip interruption, but trip cancellation is not covered. Their travel-related benefits aren’t as varied as other insurers, but you get good baggage loss protection. Although electronics aren’t included, you can add this benefit for just a bit extra as long as you’re not a U.S. resident. Besides the electronics theft add-on, the adventure sports coverage is not available to U.S. residents either.
There are a few other things to consider before choosing SafetyWing for your Morocco holiday insurance. First, SafetyWing offers 24/7 customer support, so you can always get in touch with someone. If you don’t have a trip end date, no problem; plans renew every 4 weeks, and you can cancel anytime. Another great benefit is that you can even get coverage in your home country for 30 days after being abroad for 90 days.
However, you’ll enjoy greater benefits (and your medical bills paid upfront) with Heymondo.
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3. IMG Global, a good Morocco travel insurance for seniors
IMG Global is another travel health insurance for Morocco. This company is known for its variety of plans, making it an excellent choice for students, families, seniors, and more.
I specifically looked at the iTravelInsured plan, which provides great emergency medical and repatriation coverage. Its health-related benefits and maximum age limit of 100 make it one of the best travel insurances for seniors. Some plans can even cover pre-existing conditions if you buy the policy within 20 days of your initial trip payment.
As for travel-related benefits, IMG Global covers up to 100% of your trip costs if you need to cancel your adventure (150% for trip interruption). Just be sure to read the terms and conditions carefully so you know which reasons are covered in this benefit.
Double-checking your Morocco travel insurance policy is crucial, especially if you go with IMG Global. This company offers so many plans that it can be hard to keep track of your benefits and exclusions. For example, the iTravelInsured plan I looked at only provided $1,500 for baggage loss protection, and the overall price was about twice as much as Heymondo.
Also, IMG Global requires you to pay your medical bills upfront and file a reimbursement claim, whereas Heymondo immediately takes care of the payments for you.
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4. Trawick International, an excellent Morocco holiday insurance for students
Yet another option to consider is Trawick International. This company offers comprehensive international travel insurance to Morocco at a competitive price and with excellent coverage limits.
For example, the Safe Travels Voyager plan includes excellent medical expense coverage and the best evacuation and repatriation coverage. This is just one of a handful of insurance plans with Trawick, so you’ll have to find the best policy that suits your needs.
If you’re a senior traveler, you’re eligible for specific plans, including travel insurance for pre-existing conditions. However, there is a 90-day lookback period, and you must apply for the pre-existing condition waiver within 7 days of your initial trip payment.
As for Trawick’s travel-related coverage, the plan I looked at comes with $2,500 for baggage loss, which is pretty good. It’ll also cover up to 100% of your travel costs if you need to cancel your trip and up to 150% for trip interruption. Add-ons are available, including rental car, cruise, and Cancel For Any Reason coverage.
The price can quickly add up, especially if you purchase extra protection. Alternatively, Heymondo offers a much cheaper price while still providing an excellent amount of trip and health-related coverage. Heymondo also takes care of your health expenses upfront, so you don’t have to worry about paying for medical attention.
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5. Travelex, a basic travel insurance for Morocco
Travelex offers medical travel insurance for Morocco, so it’s another company to consider. Travelex provides a fair amount of travel and health-related benefits, so it’s an overall well-balanced option.
There are just two plans: Travelex Basic and Travelex Select. I looked at the latter policy since it provided more coverage. That said, it couldn’t compete with most other companies on this list. Even the Select plan had very low coverage limits, especially for medical coverage and for baggage loss. Compare that to Heymondo, which provides four times the amount of emergency medical coverage, all for a fraction of the price.
I will say that Travelex is a viable option if you’re looking for family travel insurance since you can add children ages 1-17 to your policy at no additional cost. Moreover, Travelex covers people up to age 110, so it’s one of the most accessible options for seniors.
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6. AIG Travel Guard, another Moroccan travel insurance
Finally, AIG Travel Guard is another Morocco travel insurance. Its plans come with no deductible and very good trip-related benefits. If you must cancel your vacation, AIG Travel Guard can recover up to 100% of your trip costs (up to 150% for trip interruption).
On the downside, the plan I looked at offered just $1,000 in baggage loss protection, which is not enough for a trip to Marrakech or anywhere else in Morocco. While the policy includes a decent amount for repatriation, their emergency medical coverage is very low for its price. This is another point against the company, especially when shopping around for travel insurance to Morocco.
I must also point out that AIG Travel Guard is the most expensive plan of all the options I have compared. It costs nearly three times as much as Heymondo, and Heymondo’s medical coverage is four times higher and it’s the only one that pays your medical bills upfront.
To be fair, AIG is one of the few travel insurance companies with CFAR coverage (Cancel For Any Reason). It also offers supplemental upgrades like rental cars, flight accidents, and pre-existing condition coverage. However, you should read through the policy carefully to know how much coverage is included and for which conditions.
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What does Morocco travel insurance cover?
When you’re shopping around for Morocco travel health insurance, some things are non-negotiable. As you compare different coverage plans, keep these features in mind; this will help you choose the ideal policy for your needs.
Emergency medical expenses
First, emergency medical expense coverage is essential to any travel insurance to Morocco. This feature refers to the expenses covered by your insurer for things like doctor’s visits, treatments, tests, and hospital stays abroad.
Emergency medical expenses, a crucial component of Morocco travel insurance
While prices in Morocco may be cheaper than in your home country, medical attention tends to be more expensive for foreigners. This is why choosing a plan with a high coverage is worth it. For example, Heymondo has excellent medical assistance coverage and pays your health bills upfront.
Important! Read through the conditions and exclusions to know precisely which illnesses and incidents your policy covers.
Evacuation and repatriation
Your Morocco travel insurance should also cover evacuation and repatriation. With this benefit, the insurer will cover the costs if you must return to your home country due to an injury, illness, or the death of a family member.
Trip cancellation and interruption
Trip interruption is another essential part of any top-rated travel insurance for Marrakech or anywhere else in Morocco. Unexpected events may cut your trip short, so it’s important to have coverage that allows you to recover some or all of your travel costs.
Trip cancellation and interruption are also part of Morocco travel insurance
Trip cancellation is a benefit that may or may not be included in your international travel insurance for Morocco. If it’s not included in the basic policy, it’s worth adding trip cancellation insurance, even if it costs extra. Some companies even offer Cancel For Any Reason (CFAR) insurance, which allows you to cancel your trip for absolutely any reason and still recover your travel costs.
For what it’s worth, Heymondo offers a high amount of coverage for trip interruption and cancellation.
Baggage loss, theft & damage
During several of my trips, I’ve had the misfortune of lost or damaged luggage. In fact, many travelers have dealt with this experience, which is why I recommend a Morocco travel insurance with great baggage protection benefits.
I like Heymondo in particular because it offers comprehensive coverage for your bags and even includes electronic equipment in this benefit. On the other hand, most insurers exclude electronics or only provide it for an extra fee. So, if you’re traveling with a camera, laptop, or tablet, keep that in mind!
Other types of coverage
Depending on the purpose of your trip, you may want additional coverage. For example, extreme sports coverage is a good idea if you plan on participating in adventure sports like scuba diving, skydiving, or hiking at high altitudes. Also, if your Moroccan travel insurance doesn’t include electronic equipment in its baggage loss benefit, consider adding it.
Tips for finding the best travel insurance for Morocco
Now that you know about the best international travel insurance for Morocco, as well as what is and isn’t included, here are some additional tips to consider:
- Prioritize coverage over price: I can’t stress this enough. Rather than focus on getting the cheapest Morocco travel insurance, choose a policy with a high amount of medical expense coverage.
- Choose a company that pays your medical expenses upfront: I always prefer choosing an insurer that takes care of your medical bills upfront. This way, I can prioritize getting treatment and returning to my trip. In this case, Heymondo stands out since it’s the only company that pays for your healthcare immediately, so you don’t have to pay anything out of pocket.
Tips for finding the best travel insurance for Morocco
- No deductible: You should also look for Moroccan travel insurance with a $0 deductible. Some plans have deductibles of $100, $250, or more, so you’ll have to pay that amount out of pocket before your insurance coverage kicks in.
- Pay attention to the details (easy-to-use website, clear terms and conditions, smooth sign-up process): As a general rule of thumb, steer clear of providers with websites and fine print that’s difficult to decipher. This doesn’t bode well for any future customer issues. Purchasing an insurance policy should be straightforward, with simple instructions and all the conditions clearly laid out.
- Customer service and 24-hour assistance: Finally, factor in the company’s customer support team. Are they easy to contact? Heymondo has a 24/7 travelers app that connects you with doctors and staff anytime, anywhere. You can also get in touch via phone or email.
Keep these tips in mind, and you’ll have the best experience with your Morocco travel insurance. Remember, this type of coverage is an investment, so treat it as such and don’t brush it off. We’ve all had times when something unexpected happened abroad, and our insurance coverage has been an invaluable asset.
Also, remember to take advantage of our 5% Heymondo discount to save on one of the best travel insurances for Morocco.
FAQs – Best Morocco travel insurance
With that, you have all the information you need to choose the best travel insurance for Morocco. However, if you still have some doubts, here are the answers to some of the most common questions:
Do you need travel insurance for Morocco?
No, Morocco travel insurance isn’t a requirement to enter the country. That said, I highly recommend purchasing a policy so you can travel with complete peace of mind.
What should Morocco travel insurance cover?
Basic travel insurance for Morocco should include extensive emergency medical coverage, repatriation, baggage loss, and trip interruption and cancellation.
What’s not covered by Moroccan travel insurance?
Some Moroccan holiday insurance plans don’t cover trip cancellation but offer it as an extra. Many companies also let you add coverage for extreme sports and electronics theft.
What is the best travel insurance for Morocco?
Overall, Heymondo is the best Morocco travel insurance because it offers high emergency medical coverage and 24/7 customer support. It also covers electronics in its baggage loss benefit and is one of the few insurers that pays your medical expenses upfront, so you don’t have to file a reimbursement claim.
How much does travel insurance to Morocco cost?
You can find cheap travel insurance to Morocco for as little as $14 per week. However, it’s more important to focus on the coverage amount rather than the cost.
Is it safe to travel to Morocco?
Currently, Morocco has a Level 2 Travel Advisory, which means tourists should exercise increased caution, especially in Casablanca and Rabat.
Is Morocco travel insurance worth it?
Yes, travel insurance is worth it, always! I recommend everyone get travel insurance for Morocco because it’s better to be prepared for unforeseen events than have to pay for expensive medical attention out of pocket.
That’s it from me! I hope this guide helps you find the best holiday insurance for Morocco so you can travel with peace of mind. Of course, feel free to leave a comment with any other questions or concerns you may have. I’m happy to help!
Stay safe, and enjoy Morocco!
