Compare travel insurance for Morocco
- Cover for the whole family
- Cancellation cover up to £10,000
- Get the right cover at the right price
Key Things to Know about Travel Insurance for Morocco
- Insurance Categorisation: Despite being in North Africa, many insurers classify Morocco as 'Europe' or 'Europe 2', which can result in lower premiums than 'Worldwide' cover; however, you must verify this in your policy to ensure you aren't left unprotected. If you’re using a single-trip policy, you must declare all the countries you’re visiting, so this categorisation won’t be necessary.
- Healthcare & GHIC: Neither the GHIC nor EHIC is valid in Morocco. Travel insurance helps you access clinics, which often require proof of insurance before providing treatment for illnesses or injuries.
- High-Altitude & Adventure Cover: Standard policies typically only cover hiking up to 2,000m. If you plan to trek Mount Toubkal or explore the Atlas Mountains above this limit, you might need to add high-altitude trekking and emergency helicopter evacuation cover.
- Entry & Document Validity: UK citizens can visit for up to 90 days visa-free, but your passport must be valid for at least three to six months from your date of entry; always ensure your passport is stamped upon arrival to avoid issues when departing.
Travel Insurance for Morocco
Getting the right travel insurance for Morocco can give you the peace of mind to explore what this stunning African country has to offer. If an emergency happened, you’d be covered, which leaves you to focus on hiking the Atlas mountains or immersing yourself in the hustle and bustle of the many souks. You can easily get the right cover for Morocco by using PayingTooMuch. You’ll be able to quickly compare a wide range of policies with different limits. And if you’re still unsure about your decision, you can call us directly to discuss what you need.
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Is Morocco classed as Europe for travel insurance?
How insurers categorise countries to price premiums can be confusing. For annual multi-trips, despite being in North Africa, many insurers categorise Morocco as 'Europe' or ‘Europe 2', which often includes countries like Turkey and Tunisia. But this categorisation can benefit you.
If the destination you plan to travel to is in the Europe category, it can help to lower the cost of your premiums, as it isn’t part of the generally more expensive ‘WorldWide’ category. However, it’s important to always check the wording of your policy, as some insurers might not do this, which can leave you without cover.
But, if you’re using a single-trip policy for a multi-country trip, this categorisation won’t be necessary. This is because you’ll have to declare to us all the countries you plan to travel to. You’ll be able to then see all the policies that cover those specific countries.
Do I need travel insurance for Morocco?
Travel insurance for Morocco is beneficial for you to have for the following reasons:
- The GHIC and EHIC aren’t valid – It may be categorised as ‘Europe’ by some insurers, but Morocco isn’t in the EU, which means neither of these cards is valid. This means, without travel insurance, you will be 100% responsible for your medical costs.
- Private healthcare requirements – While cities like Marrakech offer high-quality private clinics, they generally require proof of insurance before treating you in an emergency when other options aren’t suitable.
- Visa vs. protection – UK citizens do not need a visa for stays up to 90 days, but this entry ease doesn't give you access to public hospitals; you still need a financial safety net for emergencies.
- Baggage and theft – The souks, while full of wonderful sounds and smells, are also a prime spot for pickpockets, mainly because they are so crowded. It’s also easy to lose your belongings.
- A "Pocket-Sized Win" – For a small daily cost, travel insurance provides total financial security, ensuring an unexpected accident doesn't turn into life-changing debt.
What does a Morocco travel insurance policy cover?
A standard policy that can be used for a trip to Morocco usually covers:
Emergency medical costs | This helps you cover the cost of overnight stays in hospitals, medications and medical procedures. |
Medical repatriation and evacuation | If you need to be flown back home in an air ambulance, you’ll be covered. The cost of evacuation to Europe if you’re unable to be treated in Morocco is usually covered too. |
Cancellation and curtailment | Reimburses you for any non-refundable costs for flights, riads, and excursions if you have to cancel your trip or cut it short due to unforeseen circumstances, like illness or bereavement. |
Baggage and personal possessions | Casablanca and other tourist hotspots are targets for thieves. If you have your belongings stolen or if you lose them, you can be reimbursed for the cost of replacing them. |
Specialist add-ons | Depending on the type of activities you plan to do, you can also get specialist cover that fills the gaps of standard policies. These can include cruise cover and water sports cover. |
Activities and adventures: From camels to trekking
Most standard policies will generally cover the more common Moroccan experiences without the need for any additional costs. These typically include:
- Camel Trekking – Usually covered as long as it’s a guided activity (though personal accident cover may be excluded during the ride).
- Swimming – Generally included for recreational levels at coastal hubs like Taghazout and Essaouira.
- Hiking (Low Altitude) – Most policies cover walking and hiking as standard up to 2,000m.
For more adrenaline-fuelled adventures, you may need to pay an "Activity Premium" or choose a higher "Adventure Pack" tier:
- Trekking the Atlas Mountains – If you are planning to climb Mount Toubkal (4,167m), a standard policy will not cover you. You must have an add-on for "High Altitude Trekking" (usually up to 4,500m or 5,000m) to ensure you are covered for emergency helicopter evacuation.
- Quad Biking or Dune Buggies – It's important to check if your policy specifically lists 'Quad Biking' or ‘Dune Buggies’ and if it’s restricted to 'guided tours only'.
- Hot Air Balloon rides – While popular in Marrakech, many insurers view this as a specialist "aerial activity". Check your policy wording; some include it as a "fare-paying passenger", while others require an activity add-on.
Hiring a scooter is a popular way to navigate coastal towns. To help make sure you stay covered, you will need to have the following:
- A valid licence – You need a valid UK driving licence that allows you to ride the specific engine size (e.g., 125 cc)
- Protective gear – You must wear a helmet. Failing to do so will completely invalidate any medical claim.
- Third-Party liability cover – Travel insurance covers your medical bills but rarely the damage to the bike. Check that the rental company provides robust local insurance for the vehicle itself.
Travelling with pre-existing medical conditions
Getting travel insurance for many pre-existing conditions is possible. It just may require a bit more forward planning in some cases. It’s important that when you’re going through the medical screening process, you disclose any pre-existing conditions. If you don't, you will run the risk of invalidating your policy, which leaves you needing to cover your bill in full. Disclosing everything, particularly if they are well managed, may slightly increase the price of your premium, but it could save you thousands of pounds in medical bills.
PayingTooMuch helps you find the right travel insurance policy for your next trip. Compare tailored quotes now.
