Morocco is not part of Europe because it is located on the northwestern tip of Africa. Many travel insurance companies, on the other hand, will include it in their European coverage policies.
This can save you money because European travel insurance is usually less expensive than worldwide travel insurance, but make sure that Morocco is covered before purchasing a policy.
If Morocco is your starting point for exploring other African countries, you’ll need international travel insurance.
Even if your travel insurance considers Morocco to be part of Europe, the European Health Insurance Card (EHIC) does not, thus you won’t be able to use it there.
Any other insurance you’ll need is determined by the activities you’ll be doing while in Morocco, where you’ll be going, and what you’ll be bringing with you.
Can I travel without travel insurance?
Tired of having to pay an insurance premium before you travel? You are not obligated to do so. Without travel insurance, you can travel anywhere in the world. That isn’t to say you shouldn’t. If something goes wrong and you don’t have travel insurance, you might be out of money for anything from a few pounds if you lose your passport to hundreds of thousands of pounds if you need medical treatment on foreign soil. Oh, and your bank account’s travel policy is probably not as foolproof as you thought.
It is not illegal to travel without insurance. You won’t get kicked out of your tavern because of it. However, it may be pricey. It all depends on whether you’re willing to risk your savings and how much you can afford to lose. Here’s everything you need to know about it.
Anguilla
All visitors to Anguilla must submit an application for permission to visit. In addition, travelers must complete a pre-registration form, exhibit documentation of COVID-19 medical bills and full hospitalization, physicians’ appointments, medicines, and air ambulance, and take a COVID-19 PCR test with negative findings within 3 to 5 days before travel. All visitors must be quarantined for at least 10 days at their permitted location, and they will be tested on the tenth day of their stay. A negative result is required to be released from quarantine.
Antarctica
Antarctica is a one-of-a-kind place with several travel factors that could jeopardize a traveler’s big investment. As a result, in addition to the actual requirements for entry into the country, travel insurance is considered a must. Medical coverage requirements vary depending on a traveler’s itinerary and the tour operator with whom they are going. However, given the nature of an Antarctica journey, it is suggested that at the very least thorough plans be considered, which include Trip Cancellation, Trip Interruption, and Medical Evacuation.
Aruba
Before entering Aruba, all visitors must acquire COVID-19 insurance directly from the Aruba government. The cost of coverage varies depending on the age of the traveler and the length of the trip. Review the prerequisites and premium charts by age group on the official website. The mandatory insurance covers up to $75,000 in medical expenses, including hospitalization, intensive care unit, medical transportation, doctor consultations, isolation, and COVID-19 testing. Each benefit has its own set of restrictions, so read the policy’s fine print carefully.
While many passengers may have previously acquired travel insurance for their trip to Aruba, the Aruba government claims that this is not the case “The Aruba Visitors Insurance can be used in conjunction with one’s own travel insurance, but it cannot be used in place of it. Entry to Aruba requires the purchase of Aruba Visitor’s Insurance.” Travelers must also purchase the necessary insurance in advance of their trip. Those who paid for the government-mandated insurance but did not travel to Aruba can get their money back. Visit the online Embarkation and Disembarkation (ED) program website to begin filling out your application and obtaining the appropriate coverage.
Although the Aruba government’s mandated insurance will cover many COVID-19-related expenses, we nevertheless recommend that passengers obtain a complete plan, which frequently includes additional benefits such as supplemental travel medical, baggage protection, travel delay compensation, and more. Unexpected fees and expenses unrelated to COVID-19 may also be compensated this way. Cruise passengers who plan to stop in Aruba for one or more days must ensure that they meet the country’s standards.
Bahamas
All inbound tourists to the Bahamas must have travel health insurance as of November 14, 2020. The cost of the necessary insurance is included in the cost of the Travel Health Visa, which all tourists must apply for before entering the country. Travelers should be aware that this mandatory coverage may be limited, therefore we recommend getting supplemental coverage to cover non-health-related expenses such as flight delays or baggage loss.
Bermuda
Visitors and residents alike must apply for a COVID-19 Travel Authorization 1-3 days before to departure to enter Bermuda. Proof of a negative COVID-19 PCR test is required to obtain the authorization. Without a valid travel authorization, visitors are unable to enter Bermuda. A travel permission submitted within 24 hours of the departure date will not be accepted.
Visitors to Bermuda must have health insurance to cover illness, including COVID-19-related illness, in addition to obtaining travel authorization. Because most domestic health insurance does not cover travel outside of the United States, travelers to Bermuda must purchase travel insurance.
Brazil
Previously, travelers had to show proof of travel health insurance that covered COVID-19 for the duration of their trip before leaving and again upon arrival in Brazil. However, Brazil has now repealed this requirement, thus international travelers no longer need to get travel insurance. However, because Brazil is now undergoing a large COVID-19 outbreak, tourists should acquire insurance that covers not only COVID-19-related expenses but also any other unanticipated accidents. If you do want to visit Brazil, keep the present circumstances in mind and make sure you have the right travel insurance. Individuals who have already been given a Brazilian visa are allowed access, however tourists who do not have a valid visa will be denied entry until further notice.
The British Virgin Islands
All non-resident visitors to the British Virgin Islands must purchase travel insurance. Travelers must submit an entry application at least 24 hours prior to their departure. One of the requirements for this application is proof of travel insurance.
Cambodia
For COVID-19 therapy, international visitors must obtain a local health insurance coverage. This plan is available from Forte Insurance Company for $90 for a $50,000 policy that is valid for 20 days. For additional coverage, consider an individual travel insurance policy with medical coverage. A valid visa issued by the Cambodian Embassy or Consulate, a $2,000 deposit to be paid upon arrival for an obligatory COVID-19 test and potential treatment services, and documentation of a negative COVID-19 test from no more than 72 hours prior to arrival are all requirements for travellers visiting Cambodia.
Cayman Islands
Visitors must apply for entry permission to the Cayman Islands using the Travel Cayman webpage. Travel insurance with coverage for COVID-19-related health expenses is one of the requirements for admittance.
Chile
Visitors to Chile must present three documents upon arrival, according to the website of the US Embassy in Chile:
- Less than 48 hours before boarding, a completed “Affidavit of Travelers” electronic form (also known as a Sanitary Passport);
- Proof of a negative result from a PCR test performed within the last 72 hours
- Evidence of a health insurance policy that covers COVID-19 and related health issues while the traveler is in Chile. During the traveler’s stay, the health insurance must cover COVID-19-related costs, with a maximum coverage of USD $ 30,000. (minimum). Before boarding the trip to Chile, all documents must be submitted.
Costa Rica
Travel insurance is only required for unvaccinated tourists to Costa Rica, according to recent government regulations. On August 1, 2021, this page was updated.
Prior to leaving Costa Rica, all foreign visitors must fill out a digital form called HEALTH PASS. Travelers must declare that they have purchased a compliant travel insurance plan that covers “their accommodations in case of quarantine and medical expenses due to COVID-19 illness” as part of this procedure. The following conditions must be completed in order for a private travel insurance plan to be accepted:
- Guarantee of at least $50,000 USD in medical expenditures coverage in the event of the pandemic disease COVID-19 in Costa Rica.
- Minimum coverage of $2,000 USD for additional accommodation costs owing to pandemic disease or trip interruption/cancellation due to illness, which covers the passenger’s additional costs due to quarantine.
Adults who have been vaccinated must show proof of vaccination in the form of a vaccination card, certificate, or record that includes their name, pharmaceutical company, and dose date. The COVID-19 immunization card will be accepted by US travelers.
We urge that passengers conduct thorough research ahead of time to ensure that all entrance requirements are met. Visit the official travel portal for a complete list of requirements. Travelers should be aware that only certain countries are currently permitted to visit Costa Rica, and that COVID-19 testing is required prior to arrival.
Cuba
Both the US and the Cuban governments closely monitor and limit travel to the island. Travelers must submit relevant paperwork with their travel application to the US government. Before visiting Cuba, the Cuban government must be notified of the travel arrangements, furnished with the traveler’s visa details, and proof of travel insurance with medical coverage.
Curacao
Before leaving for Curacao, visitors must fill out a digital immigration card and a Passenger Locator Card. Visitors must have a printed version of the Passenger Location Card with them at all times. It is necessary to have appropriate insurance for medical care and any additional fees in order to receive these cards.
Democratic Republic of Congo
All travelers to the Democratic Republic of Congo (DRC) must show proof of health and medical evacuation insurance. Travelers should check with their insurance company to see if their policy covers them for trips to the DRC.
Dominican Republic
Visitors to the Dominican Republic can now get free insurance that covers them for emergencies, telemedicine, lodging for extended stays due to an infection, and flight adjustments owing to an infection. The Dominican Republic government covers the entire cost of the insurance. Travelers should, however, carry their own insurance to protect against the unexpected and guarantee that they have options in terms of care.
Ecuador
As of 2018, all travelers entering Ecuador must produce proof of travel health insurance, as well as their passport and a round-trip or onward trip ticket, to immigration officers. This is in accordance with the Ecuadorian Ministry of Tourism’s directive.
Egypt
While travel insurance is not required for all travellers to Egypt, it is mandatory for some and strongly recommended for everyone. According to the Minister of Egyptian Tourism, restrictions announced in June 2020 required travelers traveling in Egypt to present a travel medical insurance coverage to Egyptian airport officials as part of measures to curb the spread of the coronavirus. This travel insurance was necessary to cover medical treatment due to COVID-19 infection and a negative test within 72 hours of departure. All travellers traveling on overseas flights will be given a Health Declaration form to complete before boarding the trip and deliver to the Quarantine Authorities upon arrival.
French Polynesia/Tahiti
While evidence of travel insurance is no longer necessary for international travelers to French Polynesia, it is strongly recommended. According to the Polynesian government, particular COVID-19 coverage is not required, but travelers are recommended to obtain a plan that covers medical expenses if they become ill with coronavirus during their stay.
All visitors to Tahiti must complete an online entrance form and certify that they have obtained COVID-19 travel insurance. Travelers who do not obtain a qualifying travel insurance coverage must agree to be held responsible for any and all local healthcare bills that are judged necessary.
Israel
International tourists must show proof of health insurance that covers COVID-19 when entering Israel. It’s also possible that a signed quarantine statement will be requested. Learn more about insurance in general and vacations to Israel.
Jamaica
Jamaica has launched the “Jamaica Cares” scheme, which requires all visitors to purchase travel insurance. This tax, which will be implemented in mid-November 2020, will cost between $40 and $50 each passenger. It addresses a variety of issues, including medical therapy for COVID-19. This price is in addition to the traveler’s individual trip insurance.
Japan
Travelers from foreign countries must obtain a visa before entering Japan, and medical travel insurance is essential. While no precise sum is required, the insurance must cover them for the duration of their vacation.
Mexico
For the time being, travel insurance is not necessary in all of Mexico. Visitors to Puerto Vallarta and the Riviera Nayarit, however, must have travel insurance that includes medical coverage. This insurance is designed to protect travelers from any unanticipated medical events, including those caused by COVID-19 infection.
Nepal
All travelers to Nepal must have travel medical insurance, according to the Nepalese government. Emergency help and COVID-19 medical repatriation must be included with this insurance.
New Zealand
While not all tourists to New Zealand are required to carry travel medical insurance during their stay, any visitors on a working visa are expected to have it.
Russia
Visitors from outside Russia must apply for a visa before entering the country. The Consular Division of the Embassy retains the right to request “medical insurance valid in the nation to be visited and completely covering the time of the first trip” throughout this application procedure, according to the Russian Federation’s Embassy.
Saint Martin
While insurance is not required on Saint Martin, it is required on Sint Maarten (the Dutch side of the island), thus travelers should be aware of this need and how it may affect their travel plans before visiting this region.
Schengen Countries
Before obtaining a Travel Visa, certain countries known as Schengen Countries may have strict requirements for what insurance their embassies would accept. You may be required to show proof of specific insurance if you are traveling to any of the 26 destinations listed below: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland. Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland. When visiting any of these countries, you may be asked to show proof of the following insurance benefits: $50,000 in medical emergency/hospitalization coverage, $300,000 in medical evacuation and repatriation coverage, $0 deductible, and proof that the insurance company providing this coverage has offices in Europe. Please see our whole Schengen Travel Visa page for further details.
Singapore
All visitors to Singapore must have travel insurance that covers COVID-19-related medical treatment and hospitalization as of January 31, 2021. The minimum amount of coverage is $30,000. All visitors entering Singapore would be required to produce proof of this insurance before being admitted.
Sint Maarten
All passengers visiting St. Maarten are required to carry travel insurance. Additional travel insurance that particularly covers COVID-19-related charges is also strongly recommended on their website. Travelers must additionally show proof of a negative COVID-19 PCR test done within 72 hours of their arrival.
Thailand
Visitors to Thailand must first check with their local Thai embassy or consulate to see if they are eligible to enter the country. The eligibility list is always changing. Those that qualify must get a Certificate of Entry (CoE). One of the prerequisites for this certificate is that the traveler obtain a COVID-19 travel insurance policy that says that the traveler is covered for medical care if they contract COVID-19. Travelers whose insurance plans do not clearly express this requirement may be denied entry into Thailand. Furthermore, travel insurance for Thailand must have a minimum coverage level of $100,000 USD (about 3.5 million Thai Baht) to cover medical treatment incurred by the application and must be valid for the duration of the traveler’s stay. Travelers should keep their certificate of insurance with them at all times, as it is one of the supporting documents in a CoE application.
Togo
Travel insurance is required for all visitors to Togo as of June 2021. All inbound tourists must present documentation of a COVID-19 PCR test that was negative no more than seven (7) days prior to their arrival. The traveler declaration form, which is necessary for admission, must also include a document showing proof of negative test results. Travelers will be subjected to another required COVID-19 PCR test at the terminal upon arrival.
Turkey
All travelers to Turkey must acquire medical travel insurance before being allowed to enter the country. However, there is no minimum amount required; the only stipulation is that the insurance must cover the entire trip.
Turks and Caicos
Travelers visiting Turks and Caicos must provide proof of travel insurance that covers “COVID-19 medical expenditures, complete hospitalization, physicians’ appointments, medicines, and air ambulance,” as part of a new travel pre-authorization program dubbed TCI Assured. A negative COVID-19 PCR test result from a test done within 5 days of arrival to the islands is also required by the online portal, as is a health screening questionnaire. Additionally, from September 1, 2021, all tourists aged 16 and up will be required to show proof of vaccination in order to be admitted to the Turks and Caicos Islands.
Ukraine
All COVID-19-related therapy must be covered by medical insurance for visitors to Ukraine. The policy must “be provided by insurance businesses registered in Ukraine or foreign companies with a representative office in Ukraine or a contractual agreement with a partner insurance company in Ukraine and be valid for the duration of the stay in Ukraine,” according to the government. Travelers who want to buy compliant Ukrainian health insurance can do so on the internet. Although visitors to Ukraine must acquire state-approved insurance, we recommend that passengers consider purchasing comprehensive plans to cover non-COVID-19-related travel disruptions such as flight delays, baggage loss, and other advantages. The rules for COVID-19 testing differ by nation, but most tourists should expect a negative test result or a 14-day required self-quarantine.
United Arab Emirates
Depending on the length of their vacation, the United Arab Emirates may require travelers to carry proper travel insurance. This insurance must include overseas medical coverage for the duration of the trip. All passengers flying from the United States to the United Arab Emirates must have a negative COVID-19 PCR test result within 72 hours of their flight departure. For the most up-to-date information about COVID testing, travelers can contact their airline. COVID testing is also necessary after arrival, with restrictions varying based on vaccination status and the country of origin. Please go to the government website for the most up-to-date information from official sources. Children under the age of 12 and those with severe and moderate disabilities may be excluded from taking the test. When it comes to testing and travel requirements, passengers should check the airline. Visitors to Dubai should be aware that the city has its own set of admission procedures.
Do I need travel insurance for Visa?
International travel involves much research and preparation, and not only for deciding what to pack in your suitcase. Some countries need all tourists to obtain a valid travel visa in order to enter the country, depending on where you plan to go. A visa is an official document issued by the country to which you intend to travel that allows you to enter the country for a set period of time.
Each country treats visitors and business travelers differently, so not all visas are the same. Some nations grant visas based on the reason for the visit, such as tourist visas, student visas (such as the J1 visa), and so on. Some nations only grant visas that are good for a few days, while others do not require a visa unless you want to stay for more than 90 days. In addition, some countries, such as Afghanistan and Pakistan, demand a visa regardless of how long you want to remain. Visit their embassy website to learn about your trip and see if the country you plan on going requires a travel visa.
A Travel Visa Often Requires Proof of Insurance
If a visa is required to enter a nation, you should also be aware that you will almost certainly be required to show proof of current travel medical insurance. This means you’ll have to prove you’re covered for any costs incurred as a result of repatriation or hospitalization for medical reasons, including medical emergencies.
Anyone visiting the Schengen area for tourism or business and staying for less than 90 days just needs one visa for all Schengen nations. A Schengen travel visa requires travel insurance that covers repatriation and medical expenditures, and passengers should only look into Schengen compliant travel insurance coverage.
Does Morocco come under Europe?
Morocco is a member of the European Union and a neighboring country. The European Neighbourhood Policy (ENP) and the Union for the Mediterranean are the frameworks for their interactions. Morocco has been granted advanced status within the ENP, allowing for high levels of political collaboration.
The Association Agreement of 2000 establishes the major legal relations between Morocco and the EU. Several other agreements, such as the 2006 EU-Morocco Fisheries Partnership Agreement and the 2006 Open Skies Agreement, tackle sectoral issues.
What countries are included in Europe travel insurance?
- Medical coverage – make sure to read your policy carefully because the degree of coverage in ordinary policies varies depending on your circumstances and desired activities. If you’re pregnant, have a pre-existing medical condition, or want particular sports coverage, it’s worth contacting your insurance provider about additional coverage or looking into specialist travel insurance to make sure you’re appropriately protected.
- Check your policy to discover if it covers loss, theft, or damage to your belongings. Make sure the amount is sufficient to cover the cost of assets like your phone or laptop.
- Flight cancellations, canceled flights, and delays are all common travel difficulties. Only genuine causes specified by the insurance provider are covered, so read the terms carefully.
- Personal liability insurance protects you in the event that you injure someone else and they sue you for compensation.
What are the risks of not having travel insurance?
In most cases, if you file a claim and it is approved, travel insurance reimburses you for your insured financial losses. Filing a claim entails providing Allianz Global Assistance with proof of your loss so that we may verify what happened and reimburse you for your covered losses. You can file a claim online or using our free TravelSmart app on your phone.
In practice, how does this work? Let’s say you want to cover your forthcoming cruise to Cozumel by purchasing the OneTrip Prime Plan, which offers trip cancellation benefits. You have a high fever and chest pain two days before your flight. Your doctor tells you that you have bacterial pneumonia and that you should cancel your trip. When you alert the cruise line, they inform you that it is too late for a refund.
You’d lose the money you spent on your vacation if you didn’t have travel insurance. A serious, disabling sickness, on the other hand, can be considered a covered reason for trip cancellation, which means you can be reimbursed for your nonrefundable, prepaid trip expenditures. You gather the relevant documentation such as your airfare and cruise line receipts, as well as information about any reimbursements you received or did not receive and make a claim once you’re feeling better. You can opt to have your reimbursement sent to you via direct transfer, debit card, or check.
This method can sometimes function in a unique way. If you require emergency medical treatment or transportation while traveling abroad, travel insurance may cover your costs in advance. Alternatively, you may be entitled for a fixed payment of $100 per day for a covered travel delay or $100 for a covered luggage delay if you have the OneTrip Premier plan.
Can I get travel insurance during Covid 19?
With all this talk of the “traffic light system,” where does travel insurance fit in?
The first thing to keep in mind is that the traffic light system has nothing to do with travel insurance. Customers should always check their travel advise at the time of trip because travel insurance works in line with the Department of Foreign Affairs (DFA). The good news is that the DFA’s travel recommendation for all EEA nations and the United Kingdom has been altered from ‘Avoid Non-Essential’ to ‘High Degree of Caution.’ When a country declares a ‘High Degree of Caution,’ customers with travel insurance will be covered if they visit that country/region.
‘High Degree of Caution’ = Covered under the terms and conditions of the insurance, including Covid-19 medical coverage abroad and cancellation coverage if diagnosed within 14 days of travel.
Are my medical expenditures reimbursed if I become ill with Covid-19 while traveling overseas and require medical treatment?
Please keep in mind that we will not cover Covid-19 claims if you traveled to an area where the Department of Foreign Affairs (DFA) has warned against all but essential travel.
Prior to purchasing a policy and/or departing, all customers and partners should review the Travel Advice portion of the DFA’s website to confirm that the insurance offers the necessary coverage for their trip.
Is it covered if I get Covid-19 while traveling and need to be returned to Ireland or the United Kingdom?
Is it reimbursed for reasonable additional transportation or lodging expenses if I get Covid-19 while on a trip (with no symptoms and no medical bills) and am refused boarding owing to the positive diagnosis?
Is it covered if I get sick with Covid-19 while traveling and have to extend my stay as a result, incurring additional costs?
Is my trip partner and I insured for cancellation if we get Covid-19 at home and are unable to travel?
Unless the insurance is obtained within 48 hours of planning the trip, you will not be covered for any Covid-19 claim events occurring within 7 days on the date you purchased insurance.
Am I insured for cancellation if a member of my family is hospitalized with Covid-19 and you are unable to travel as a result?
Can I make a claim for any cancelled excursions if I’m diagnosed with Covid-19 while on vacation and have to self-isolate in my hotel?
Is my trip covered if I need to cut it short because a close relative has died from Covid-19?
The insured customer must contact our Emergency Assistance Service while away to obtain clearance before returning home, which is a particular condition of this coverage.
What am I covered for if I buy a policy now and the Department of Foreign Affairs (DFA) changes its advice on my country of destination to ‘Avoid Non-Essential Travel’ while I’m on vacation?
Are my flights and accommodations protected if I purchase a policy now and the Department of Foreign Affairs (DFA) modifies their recommendation on my country of choice to ‘Avoid Non-Essential Travel’ before my trip?
Any claim resulting from a change in DFA guidance or a government lockdown is not covered.
Would travel insurance cover me if I had to cancel a vacation because my job or other obligations prevented me from restricting my movements when I returned home from a foreign trip?
What are the disadvantages of travel insurance?
If something goes wrong while you’re traveling, you could end up paying a large amount.
Travel insurance can pay out in a variety of situations, depending on the policy.
- Expenses for emergency medical care, such as the cost of treatment and transportation back to your house
- the costs of canceling, postponing, or shortening your vacation (with cancellation cover sometimes an additional extra)
The specific coverage provided by different insurers and plans will varied greatly. As a result, familiarizing yourself with the policy’s wording is critical before purchasing.
Which country does not have health insurance?
- The United States remains the only developed country without a universal health-care system.
- Canada is the only developed country with a universal healthcare system that excludes prescription drugs.
- Despite the fact that China does not yet have a universal healthcare system, 95 percent of the country’s population is currently covered by some sort of government-sponsored health insurance.