Are you going to North Africa? Have you thought about taking out travel insurance to discover Morocco with peace of mind?
During your trip to Morocco, without falling into disaster, the risk is permanent. Getting injured while hiking, suffering from food poisoning, getting sunstroke, while all of this may not be serious, it will require medical intervention.
However, this comes at a price which will only be fully covered if you have taken out home insurance. Discover the guarantees to take out for your trip to Morocco to be sure of complete and efficient support.
Comparison of travel insurance for Morocco
Your travel insurance in Morocco must correspond to your trip and the duration of your stay. Each company offers its own guarantees, it is not always easy to find your way around, making a comparison and studying quotes is essential to find out more. This allows you to better understand the guarantees, the price and the precise terms of the contract.
What is the best travel insurance for Morocco?
The best travel insurance for Morocco is undoubtedly the one you choose based on the guarantees it offers you. The best insurance is also the one that offers you a price adapted to your travel budget.
Choosing your insurance carefully means ensuring that it adapts in every way to your situation. There are as many needs as there are travelers.
Morocco is a magnificent country that you will be able to discover in different ways, which will influence the risk and your needs in terms of guarantees.
You can choose to simply visit the largest cities in the country such as Marrakech , Casablanca , Rabat , Tangier or even Fez . You can choose to simply enjoy the sun and spend your stay on the most beautiful beaches in Morocco. Of course, you can offer a more sporty character to your stay in Morocco. You have the possibility of trekking in the Moroccan desert, surfing in the bay of Agadir or kitesurfing in Dakhla.
How much does travel insurance cost for Morocco?
The price of your travel insurance in Morocco is consecutive to the guarantees you have subscribed to. Visiting museums and browsing the souk or practicing extreme sports does not require the same guarantees.
Thus, the price will be influenced by the guarantees, but also by:
- Compensation ceilings ;
- The amount of deductibles ;
- Deficiencies ;
- Exclusions .
Beyond all these elements, the insurance company will establish a price based on your age. This impacts the risk and therefore the amount of compensation.
Then, your insurer will take into account various elements such as the duration of your stay, the place you are going to, etc.
Why take travel insurance for Morocco?
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Taking out travel insurance for Morocco or any other destination allows you to benefit from financial coverage. In the event of a health problem or any other disaster, it is your insurance, within the limits of the contract, which will compensate you. This way, you do not jeopardize the rest of your trip because of budgetary problems.
What are the guarantees of comprehensive travel insurance?
By taking out multi-risk travel insurance, you will benefit from a certain number of guarantees. You can choose basic coverage or more comprehensive protection depending on the nature of your trip. The objective is to choose a tailor-made guarantee to optimize costs and be certain of being compensated in the event of a problem.
Here are the guarantees that you can find in your insurance:
- Reimbursement of medical expenses ;
- Reimbursement in the event of hospitalization ;
- Travel cancellation insurance ;
- Travel modification insurance ;
- Repatriation assistance ;
- Civil liability abroad ;
- Juridic protection ;
- Baggage insurance ;
- Insurance for practicing sports, even extreme sports .
When you choose your guarantees, make sure that the compensation ceilings meet your expectations. Also make sure your deductibles are not too high and check the exclusions in your contract.
Is travel insurance compulsory for Morocco?
If travel insurance is compulsory for Algeria, it is not for Morocco. The two countries have not adopted the same policy in this area.
However, although this insurance is not compulsory, it is nonetheless essential if you wish to benefit from compensation in the event of a problem on site. Without insurance, medical care will be your responsibility. This will also be the case for your ticket in the event of early return, etc.
The importance of repatriation insurance for Morocco
Assistance is an important point of travel insurance. At any time you may need to be repatriated.
Let’s imagine that you fall ill during your stay and that your state of health requires medical repatriation. This will cost you the price of a plane ticket, possibly the cost of a companion, and that’s not counting extended transportation depending on your situation. With repatriation insurance, you will not have to pay for this service (depending, of course, on the compensation ceilings of your contract).
You may also need medical repatriation after a fall. Again, everything will be covered by your travel insurance.
Now let’s imagine that you lose a loved one during your stay. If you have to return early, repatriation insurance can again intervene. This will avoid adding financial worries to the hassle.
Am I reimbursed for my care in Morocco by Health Insurance?
However, Social Security will reimburse up to the conventional French rates , it is not certain that the reimbursement will meet your expectations.
Does my Visa or Mastercard cover me in Morocco?
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Here again, yes it is possible to be protected by your bank card . However, it must be a Visa Premier or Gold Mastercard type card.
We advise you to carefully check the guarantees and limits to find out if this insurance will be sufficient or if independent travel insurance should be preferred.
What insurance should I take when renting a car in Morocco?
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Car rental is essential during your stay in Morocco if you want to discover several facets of this country.
The car insurance that accompanies your rental is often insufficient. The guarantees are not always suitable and do not cover you if you do not take out options. In addition, the deductible imposed is often high. So be sure to ask your rental company to what extent it is possible to adjust your guarantees and compare with independent rental car insurance to find the best quality/price ratio.
Administrative, health and safety for Morocco: our advice
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Here is some information to take into consideration before leaving so that your trip to Morocco takes place in the best conditions.
Which visa for Morocco?
The French do not need a visa to go to Morocco. However, you must have a passport or any other valid identity document.
Health & Hygiene
In Morocco, the greatest risk is contracting an illness after eating or consuming water. It is advisable to be vaccinated against hepatitis A and to favor bottled water. The WHO also recommends washing fruits and vegetables well before eating them. On the other hand, prefer well-cooked meats.
If you are going for a long stay in a rural area, vaccination against rabies is recommended.
On-site security
Morocco is a fairly safe country . However, do not tempt the devil by showing your cash or your precious goods, in Morocco, as in all countries, the risk of theft exists. Do not entrust anything to people you do not know and do not leave anything in your vehicle that could tempt a thief.
What to do in the event of an accident in Morocco?
Are you the victim of an accident or assault? Don’t have travel insurance?
We invite you to dial 15 to contact civil protection, 19 to call national security and 177 to contact the gendarmerie.
What health insurance for expatriates in Morocco?
Photo credit: Shutterstock / Mikadun
If you plan to live in Morocco, replace your travel insurance with expatriate insurance which will be more suitable.
You will benefit from all the essential guarantees for a long stay: medical expenses, repatriation assistance, civil liability, etc. Insurance companies like Chapka offer this coverage, do not hesitate to make a comparison to find the best protection.
