- The best travel insurance plans for Morocco
- Is it currently safe to travel to Morocco?
- Is travel insurance required by law to enter Morocco?
- Why take out travel insurance for Morocco?
- What should travel insurance for Morocco cover?
- The cost of travel insurance for Morocco
- How to pay less for your travel insurance to Morocco
- Will my current insurance cover me in Morocco?
- FAQ
- On the same topic
Travel insurance for Morocco: key takeaways
1. Definition: Travel insurance for Morocco covers medical emergencies, trip cancellation, and lost personal belongings.
2. Key protection: Insurance is not mandatory for Australians but is strongly recommended for your protection.
3. Healthcare cost: Private healthcare in Morocco can be costly, requiring upfront payment for any treatment.
4. Price: A one-week travel insurance policy for Morocco typically costs between AUD 30 and AUD 60.
5. Good to know: Medical facilities outside major cities are limited, making medical evacuation cover essential.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 42 travel insurance policies available in Australia, our experts share here everything you need to know to choose the best travel insurance for Morocco.
The best travel insurance plans for Morocco
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | AUD 1.6M | Our top recommendation for trips to Morocco. - high medical limit - strong repatriation services - comprehensive guarantees |
| Cap Assistance 24/24 | AUD 1.6M | Well-suited for travellers needing rapid support. - 24/7 medical helpline - no deductible - cancellation protection |
| Tourist Card | AUD 800k | Good for tourists who want core protections. - essential medical cover - emergency assistance - user-friendly process |
| Travel Pass Monde | AUD 1.1M | Solid for diverse travel needs in Morocco. - inpatient medical care - luggage protection - repatriation |
| Globe Partner | AUD 480k | Basic option for short or lower-risk travel. - appropriate medical coverage - repatriation - civil liability |
| Globe Traveller | AUD 800k | Affordable standard choice. - covers basic medical needs - quick reimbursement - limited ceiling |
- high medical limit
- strong repatriation services
- comprehensive guarantees
- 24/7 medical helpline
- no deductible
- cancellation protection
- essential medical cover
- emergency assistance
- user-friendly process
- inpatient medical care
- luggage protection
- repatriation
- appropriate medical coverage
- repatriation
- civil liability
- covers basic medical needs
- quick reimbursement
- limited ceiling
Is it currently safe to travel to Morocco?
As of June 2025, the Australian Department of Foreign Affairs and Trade advises travellers to exercise a high degree of caution when visiting Morocco, primarily due to the threat of terrorism and the risk of civil unrest in certain areas.
Here are their four main recommendations.
- Security risks: demonstrations, protests, and sporadic unrest can occur suddenly, especially in city centres such as Casablanca and Rabat. Terrorism remains a concern, particularly near the Berm and in mountain regions, as seen in the 2018 attack near Mount Toubkal.
- Health risks: medical facilities outside Casablanca, Marrakech, or Rabat are limited. Diseases like hepatitis A, typhoid, and leishmaniasis are present, and water- or foodborne illnesses can affect travellers who drink tap water or eat uncooked food.
- Legal requirements: Australian citizens do not need a visa for stays under 90 days, but passports must be valid and stamped on entry. Carry proof of currency if above MAD100,000, as undeclared cash can be confiscated.
- Cultural norms: dress modestly, especially near mosques or rural villages. Avoid public gatherings and be aware that aggressive begging and pickpocketing happen around tourist sites like Jemaa el-Fnaa in Marrakech.
Although not required, travel insurance is strongly recommended by the Australian Department of Foreign Affairs and Trade, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Morocco.
Is travel insurance required by law to enter Morocco?
No, travel insurance is not legally mandatory for Australian travellers to enter Morocco.
It is still strongly recommended as healthcare in Morocco can be costly, with limited medical facilities outside major cities and private hospitals frequently requiring upfront payment for all services. Travel insurance helps ensure access to emergency care, hospitalization, and possible medical evacuation.
According to our data, 80% of travellers purchase travel insurance before going to Morocco. This high percentage is due to the high cost of medical care, private hospital requirements, and the unpredictable security situation.
Why take out travel insurance for Morocco?
It is an essential financial and medical protection for anyone going to Morocco.
Public hospitals in Morocco, especially outside cities like Casablanca, Marrakech, and Rabat, often lack necessary equipment or medications. Private clinics such as Clinique Ghandi in Casablanca offer better care but at prices that can be a shock for Australian travellers. In emergencies, upfront payment is generally required for foreign visitors.
Travel insurance covers medical expenses, hospitalisation, medication, ambulance transport and emergency repatriation to Australia if a serious problem arises.
Here are some examples of healthcare costs in Morocco.
| Example of medical treatment | Cost at Clinique Ghandi | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 20,000 MAD (about 3,120 AUD) | Up to 1,600,000 AUD per claim |
| I broke my tibia (X-ray, cast, and crutch rental) | 8,500 MAD (about 1,330 AUD) | Up to 1,600,000 AUD per claim |
| I need to be repatriated | 140,000 MAD (about 21,860 AUD) | Up to 1,600,000 AUD per claim |
| I have appendicitis (consultation and surgery) | 32,000 MAD (about 5,000 AUD) | Up to 1,600,000 AUD per claim |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What should travel insurance for Morocco cover?
Here is a summary table of the main coverages you should look for in a travel insurance policy for Morocco.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Pays for hospital or doctor visits, medication, and emergency care. We recommend a minimum reimbursement limit of 1,000,000 AUD per person. |
| 🚑 Medical evacuation | Covers emergency transport to the nearest quality medical facility or back to Australia. Look for at least 1,500,000 AUD coverage. |
| ✈️ Repatriation | Arranges and pays for return to Australia in case of serious illness or accident. Minimum advised limit: 500,000 AUD. |
| 👜 Loss/theft of baggage | Reimburses loss, theft, or damage to personal belongings. Choose coverage of at least 3,000 AUD. |
| 🚫 Trip cancellation | Covers prepaid expenses if your trip is cancelled for specific events. Recommend at least 10,000 AUD per person. |
| 💳 Personal liability | Protects if you unintentionally injure someone or cause property damage. Opt for at least 1,000,000 AUD. |
| 🚘 Rental vehicle excess | Covers the excess fee if your rental vehicle is damaged or stolen. Seek at least 5,000 AUD cover. |
| 🏄 Activities cover | Essential if participating in sports or adventure activities. Check activities are included with at least 50,000 AUD of medical coverage. |
We recommend a minimum reimbursement limit of 1,000,000 AUD per person.
Look for at least 1,500,000 AUD coverage.
Minimum advised limit: 500,000 AUD.
Choose coverage of at least 3,000 AUD.
Recommend at least 10,000 AUD per person.
Opt for at least 1,000,000 AUD.
Seek at least 5,000 AUD cover.
Check activities are included with at least 50,000 AUD of medical coverage.
Travel insurance from local providers or bank cards often offers limited cover with low limits and many exclusions. It is safer to select a trusted insurer with broad, comprehensive coverage. Compare top options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Morocco
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | 41 AUD |
| 2 weeks | 45 years old | 77 AUD |
| 1 month | 35 years old | 112 AUD |
| 1 month | 70 years old | 265 AUD |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
G'day! The cost of your travel insurance for Morocco depends on several things: your age, trip duration, chosen level of cover, and any pre-existing medical conditions. With a 'high degree of caution' warning for the country, it's vital to consider these factors to ensure you're properly covered for your adventure without any worries.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Morocco
Here are some suggestions to optimize the cost of your travel insurance to Morocco while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🏥 Level of coverage | Medical care in Morocco can be costly or limited, especially outside major cities in emergencies. | Select practical medical cover for your needs and avoid expensive extras that you will not use. |
| 👤 Traveller's age | Insurers may increase premiums or restrict benefits for older travellers above 60. | Shop around before booking; Heymondo does not increase its prices for people over 62. |
| 🗓 Trip duration | Longer policies cost more, especially if they cover unnecessary extra days. | Insure your exact planned dates and avoid including unneeded padding at the start or end. |
| 👫 Number of travellers | Family and group insurance can be more economical per person than individual plans. | Consider group or family cover rather than separate policies if travelling with companions. |
| 🏖 Activities planned | Hiking, camel riding, or desert trips need extra insurance that can increase costs. | Add special activity cover only if you plan on those activities to avoid higher premiums. |
| 🌍 Area of coverage | Morocco-specific or regional cover is usually less expensive than worldwide plans. | Choose region-specific cover if you only plan to visit Morocco and its neighbours. |
| 🚑 Excess/deductibles | A higher excess means less upfront cost, but higher costs if you need to claim. | Opt for a higher deductible if comfortable paying more for small claims in exchange for savings. |
Will my current insurance cover me in Morocco?
It’s completely legitimate to wonder whether your existing Australian coverage—like Medicare, private health insurance, or credit card insurance—can protect you during a trip to Morocco. Unfortunately, this coverage is often limited or insufficient for emergencies or major expenses overseas. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Morocco? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare) | Never | No overseas medical expenses, no hospital stay, no repatriation, no local assistance abroad. | Travel insurance offers up to unlimited AUD for medical emergencies, evacuation, and consular assistance. |
| Private health insurance (Bupa, Medibank, NIB) | Limited coverage | Maybe some limited overseas cover, normally capped at 2,500-5,000 AUD, no repatriation, exclusions for adventure. | Travel insurance can cover up to unlimited AUD globally, including repatriation and activities like trekking or desert tours. |
| Classic credit card (ANZ First, Commonwealth Low Rate) | Limited coverage | May include accidental injury, some delay cover, max limit often below 5,000 AUD, rarely hospital care, various exclusions. | Travel insurance offers medical, luggage loss (up to 15,000 AUD) and cancellations—benefits that cards rarely provide. |
| Premium credit card (ANZ Platinum, Westpac Altitude Black, NAB Qantas Signature) | Limited coverage | Sometimes covers medical (up to 500,000 AUD), frequent eligibility conditions, excludes many claims such as pre-existing medical issues. | Travel insurance covers unlimited AUD for health costs, repatriation, adventure sports, baggage loss, and natural disaster impact. |
Example
After severe food poisoning in Marrakech, Sarah's private hospitalisation cost AU$12,000. Her CommBank Platinum card's insurance only covered AU$1,500, and her standard health insurance provided no overseas cover. Without comprehensive travel insurance, she was unexpectedly left to pay the remaining AU$10,500 out-of-pocket for a common travel illness.
Expert advice
Your bank card or health insurance often won't cover trip interruption for a family emergency like illness or death. Always check the policy exclusions to avoid nasty surprises abroad. In all cases, it's safer and more reassuring to take out dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Morocco?
If you are an Australian citizen, you do not need a visa for stays of up to 90 days in Morocco for tourism purposes. Your passport must be valid for at least six months from your entry date and you should ensure it is stamped at the border to avoid problems when leaving the country.
How do I purchase travel insurance for Morocco?
To buy travel insurance for Morocco, begin by using the HelloSafe travel insurance comparison tool to assess different policies. Check the coverage and exclusions, especially regarding unique risks in Morocco like limited rural healthcare and adventure activities. Once you select a plan, purchase it online and you will receive your insurance certificate by email.
Does travel insurance cover medical expenses in Morocco’s rural areas?
Yes, comprehensive travel insurance can cover medical costs anywhere in Morocco, including rural regions where facilities are limited. It is important to check if your policy includes emergency medical evacuation, as private hospitals may require upfront payment and serious cases could need transfer to a major city or back to Australia.
Are natural disasters or political unrest covered when travelling to Morocco?
Many travel insurance plans offer coverage for travel disruptions due to civil unrest, terrorism, or natural disasters such as earthquakes. Look for a policy with trip cancellation, evacuation, and emergency assistance features in case protests or local emergencies prevent travel as planned in Morocco.
Will travel insurance reimburse for lost or stolen items in Morocco?
Most travel insurance policies provide cover for baggage loss, theft, or personal item damage during your trip to Morocco. Coverage limits and requirements differ, but typical reimbursement can be up to several thousand AUD for personal belongings, provided you follow safety precautions and make an official police report.
Can I buy travel insurance for Morocco if my trip has already started?
Some insurers allow you to buy travel insurance after you have left Australia, but there may be limitations or waiting periods before cover begins. It is generally best to arrange your travel insurance before departure to ensure you are fully protected from the start of your journey.
Do I need a visa to travel to Morocco?
If you are an Australian citizen, you do not need a visa for stays of up to 90 days in Morocco for tourism purposes. Your passport must be valid for at least six months from your entry date and you should ensure it is stamped at the border to avoid problems when leaving the country.
How do I purchase travel insurance for Morocco?
To buy travel insurance for Morocco, begin by using the HelloSafe travel insurance comparison tool to assess different policies. Check the coverage and exclusions, especially regarding unique risks in Morocco like limited rural healthcare and adventure activities. Once you select a plan, purchase it online and you will receive your insurance certificate by email.
Does travel insurance cover medical expenses in Morocco’s rural areas?
Yes, comprehensive travel insurance can cover medical costs anywhere in Morocco, including rural regions where facilities are limited. It is important to check if your policy includes emergency medical evacuation, as private hospitals may require upfront payment and serious cases could need transfer to a major city or back to Australia.
Are natural disasters or political unrest covered when travelling to Morocco?
Many travel insurance plans offer coverage for travel disruptions due to civil unrest, terrorism, or natural disasters such as earthquakes. Look for a policy with trip cancellation, evacuation, and emergency assistance features in case protests or local emergencies prevent travel as planned in Morocco.
Will travel insurance reimburse for lost or stolen items in Morocco?
Most travel insurance policies provide cover for baggage loss, theft, or personal item damage during your trip to Morocco. Coverage limits and requirements differ, but typical reimbursement can be up to several thousand AUD for personal belongings, provided you follow safety precautions and make an official police report.
Can I buy travel insurance for Morocco if my trip has already started?
Some insurers allow you to buy travel insurance after you have left Australia, but there may be limitations or waiting periods before cover begins. It is generally best to arrange your travel insurance before departure to ensure you are fully protected from the start of your journey.
On the same topic
