Compare travel insurance for Egypt
- Cover for pre-existing medical conditions
- Get the right cover at the right price
- Cover for the whole family
Egypt travel insurance at a glance
Planning to visit Egypt? Finding a travel insurance policy that fits your needs can allow you to make the most of your trip.
Whether you’re planning a beach holiday or a trip down the Nile, travel insurance can give you peace of mind that you have cover if something goes wrong. In this article, we explain what to look for when comparing policies to find the right cover for the right price.
Key highlights for Egypt travel insurance
- Many Brits choose to get travel insurance for Egypt even though it isn’t legally essential. This is often because Egyptian healthcare isn’t usually free for foreigners, and having medical cover can help you pay for unexpected costs.
- There may be areas of Egypt where the Foreign, Commonwealth & Development Office (FCDO) advises against travel. It’s a good idea to double-check the latest guidance before booking your trip to make sure your policy is valid.
- The type of trip you’re planning may affect the level of cover you need. It’s important to read your policy documents in detail to make sure you know exactly what you are covered for.
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Why you might need travel insurance for Egypt
Visiting Egypt without travel insurance isn’t illegal, but it might mean you have to cover unexpected costs yourself.
UK Global Health Insurance Cards (GHICs) and European Health Insurance Cards (EHICs) won’t work in Egypt. That means you won’t be entitled to discounted state healthcare if you need emergency treatment. Medical travel insurance can help pay for hospital stays, doctor visits or ambulance costs if you fall ill or get injured during your trip.
Travel insurance can also come in handy if you experience travel disruption outside of your control. Depending on your policy, you may be able to claim for certain delays or cancellations. Plus, although government travel advice says pickpocketing is rare in Egypt, having travel insurance can give you peace of mind in case your baggage is lost, damaged or stolen while you’re abroad.
Most visits to Egypt are trouble-free, but it’s a good idea to be aware of the current safety and security advice in your destination. The Foreign, Commonwealth & Development Office (FCDO) can advise against all travel to some parts of the country, so you may want to check the latest guidance before booking your trip.
Is Egypt classed as Europe for travel insurance?
Egypt may be included in European travel insurance categories, even though it’s located in northeastern Africa. It can also appear in ‘worldwide (excluding USA, Canada and Caribbean)’ policies.
This depends on the insurer for annual multi-trip cover. Regional definitions can vary between policies, so checking how your destination is categorised can help you understand what’s included.
If you have a single-trip policy for Egypt, you must declare the countries you’re visiting, so the definition of what is Europe doesn’t matter.
What does travel insurance for Egypt cover?
Egyptian travel insurance cover varies between insurers. The right policy for you will depend on your individual situation, so it’s always worth considering what is most important to you before you buy.
Here are some key inclusions to look for if you’re comparing travel insurance for Egypt:
Medical treatment | Healthcare in Egypt isn’t usually free for tourists, particularly for emergency treatment in private hospitals. Many tourists look for high levels of medical cover so they can access treatment in an emergency. |
Emergency repatriation | Being flown home because of a medical emergency can be very expensive. Repatriation cover may help with these costs. |
Cancellation or curtailment | If your trip is delayed or called off unexpectedly, travel insurance cancellation cover may be able to cover some non-refundable expenses. |
Lost, stolen or damaged baggage | Standard travel insurance policies usually include baggage cover. If you plan to bring valuables on your trip, you could also look into add-on gadget cover or extended limits for single items. |
Personal liability | Personal liability insurance can offer you some financial protection if you’re involved in an incident outside the UK, such as accidental property damage or injury to another person. |
Some activities, such as cruises or extreme sports, aren’t usually included in standard policies. Reading the details of your chosen policy may help you understand the boundaries of your insurance and make arrangements to increase your cover.
What isn’t covered by travel insurance for Egypt
Knowing what isn’t included in your travel insurance for Egypt lets you plan with your level of cover in mind. While every policy is different, there are some common exclusions to look out for before you start your journey.
Undeclared pre-existing medical conditions | Your insurer might not pay out for claims linked to a pre-existing medical condition that you haven’t told them about |
Alcohol- or drug-related incidents | Insurers won’t usually cover incidents, illnesses or injuries relating to excessive alcohol consumption or recreational drug use. Accidents happen, but knowing the limits of your policy allows you to make more informed choices when you’re abroad. |
Travelling against FCDO advice | If you go to an area where travel is not advised, your insurer might cancel your cover. You can check the latest warnings on the FCDO’s foreign travel advice for Egypt page. |
High-risk activities (without cover) | Standard travel insurance often doesn’t include activities like quad biking, scuba diving and hot air balloon rides. If you plan to do anything adventurous during your trip, read your policy documents to see if your chosen policy would cover you, if not, you may need to look for additional cover. |
Unforeseeable disasters | Some unexpected events may not be covered depending on the policy, so it’s important to check the wording to understand the risks. |
How your type of trip affects your cover
Browsing for the right travel insurance can be daunting. People visit Egypt from all over the world, so there isn’t one policy that suits everyone. If you’re struggling to narrow down your options, it might help to match your cover to the type of trip you’re planning.
- Nile cruises — Cruise cover can cover cruise-specific situations, like missing a port, cabin confinement or needing medical care while you’re on board.
- Cultural tours — Gadget cover and extended single-item cover can provide protection for your valuables as you explore busy tourist spots.
- Family holidays — Family travel insurance can cover your whole family under one policy, leaving you with just one set of documents to keep track of.
- Red Sea holidays — Water sports cover may be relevant if your trip includes activities such as snorkelling or diving.
Whatever type of adventure you’re booking, taking the time to compare different travel insurance policies can help you plan it with confidence. Tools like PayingTooMuch let you view all your options in one place, making it simpler to find a policy that fits your plans and budget.
Discover specialist travel insurance cover
Below, we’ve answered some common questions people have about travel insurance for Egypt. Remember that every situation is unique, so check the policy wording carefully or speak to the insurance provider directly if you’re unsure what cover you need.