Travel Insurance for Morocco (2026): What You Need, What to Avoid, and How to Choose

While not legally required for entry, travel insurance is practically essential for Morocco. Medical quality varies by location, itineraries are tight with multi-stop journeys, and activities like quad biking or hiking can trigger policy exclusions. It's best treated as a "travel + activities" package, not a cheap checkbox.

There's no universal number, but prioritize policies with strong evacuation and repatriation coverage—especially if visiting desert or mountain areas. If you're doing activities (quad, hiking, surfing), prioritize activity coverage. The quality of 24/7 assistance coordination often matters as much as the coverage amount.

Not by default in most policies. Quad biking, dune buggies, and similar activities are often classified as "hazardous sports" and require a specific add-on or extension. If you plan to do any motorized desert activities (even once), you must confirm coverage explicitly before you go—not assume it's included.

This is exactly why evacuation coverage matters. Distance to quality medical facilities can be significant in rural Morocco. Good travel insurance includes medical evacuation to transfer you to a better hospital if needed, plus repatriation home if the situation is serious. Cheap policies often fail in these situations.

It depends on policy wording. Many policies cover trip delays and missed connections due to transport issues, but you'll need written confirmation from the ferry company and receipts for extra costs. Check what proof is required and what counts as a "covered delay" in your specific policy before travel.

It varies by policy. Some cover only emergencies unrelated to pre-existing conditions, some offer limited coverage if declared, and some exclude entirely. If you have a managed condition (even stable), disclose it when choosing a policy—otherwise you risk buying the cheapest policy that becomes the worst policy when you need it.

Some policies allow this, but options are limited and conditions change. Most policies require purchase before departure for full coverage—especially cancellation. If you're already there, look for policies specifically designed for "already traveling" situations, but expect reduced options.

Quality varies significantly by location—major cities like Casablanca and Rabat have good private hospitals, but rural areas are limited. With good insurance, call your 24/7 assistance line first (if not urgent). They can direct you to appropriate facilities. Expect to pay upfront in most cases and claim later—collect all documentation carefully.

Yes, if you follow the policy's documentation rules. You'll typically need: a police report (filed locally), proof of ownership (receipt, bank statement, photos of the device), and documentation of when/where the theft occurred. Without proper documentation, claims get denied or reduced. Check your policy's electronics sub-limits too—they may be lower than you expect.

Medical: diagnosis/medical report, itemized invoice, proof of payment, prescriptions, discharge notes. Delays: written confirmation from carrier, receipts for extra costs. Theft/loss: police report, proof of ownership, documentation of the event. Documentation equals faster approval—missing documents cause delays and disputes.

Yes, food poisoning is typically covered under emergency medical treatment. Keep your medical receipts, diagnosis reports, and any prescribed medication documentation for your claim. Morocco has great cuisine, but travelers can experience stomach issues—especially with unfamiliar spices or street food. Get treatment, document everything, then claim.

It depends on your policy. Standard trekking/hiking is often covered, but some policies have altitude limits or exclude "adventure activities." Check your policy specifically for hiking coverage and altitude restrictions. If you're doing multi-day treks or mountain climbing, you may need a sports/adventure add-on. Rescue/evacuation from remote mountain areas is the key benefit to confirm.