Although it’s only an hour’s ferry away from Spain at its northernmost point, Morocco is an exotic and enchanting destination for any holiday.
In Morocco, tradition is still very much alive: you can take a camel trek across the desert, see leather being made with the same techniques craftsmen have used for thousands of years or visit beautiful unspoilt towns like Chefchaouen, where every building is painted in stunning blue. The country also has fantastic beaches, awe-inspiring mountains, and one of the world’s great cuisines.
Every trip to Morocco is an adventure – but it’s essential to get insured before you go, so you can explore with peace of mind. Read on to find out everything you need to know about insurance for your Moroccan holiday, and see our travel tips to help make your experience unforgettable.
Do I need travel insurance for Morocco?
If you’re planning a holiday to Morocco, you should always make sure you’ve got travel insurance before you set off. That way, you’ll be protected against many common travel problems while on your trip. For instance, travel insurance can cover you against illness, accidents, lost baggage and theft.
Travel insurance also means you’ll be able to reclaim your costs if you have to cancel or cut short your trip in an emergency – so you can relax and enjoy your holiday.
What type of travel insurance do I need for Morocco?
Although Morocco is in Africa, some insurers do include it as part of their European travel insurance packages. Other insurers keep Morocco in their worldwide insurance deals. Certainly, if you’re visiting other African countries alongside Morocco, worldwide travel insurance is best. And if you do choose to buy European travel insurance, make sure Morocco is included in your cover.
There are many different types of insurance that might suit your holiday. When you find the best travel insurance deals through MoneySuperMarket, you’ll be able to tailor your insurance to your needs. Some categories to watch out for:
- Single-trip insurance: If you only want to cover one trip to Morocco, select single-trip travel insurance, and type in Morocco as your destination
- Annual multi-trip insurance: If you take three or more holidays a year, it might save money to buy an insurance policy for the entire year
- Backpackers’ insurance: If you’re visiting Morocco as part of a backpacking holiday, you can find great deals on backpackers’ insurance, which can cover you for longer trips or if you’ll be visiting several different countries
What should my Morocco travel insurance include?
When you’re choosing a travel insurance deal for your holiday to Morocco, look out for these important features your cover should include:
- Medical cover, which most insurers will offer for costs up to £5m
- Cancellation cover, which pays out up to a certain amount if you need to cancel your holiday or cut it short due to an emergency
- Repatriation, which covers the cost of bringing you back to the UK
- Baggage cover, which insures you in case your luggage is lost during your trip or any of your possessions are stolen. If you’re taking any particularly expensive items – such as jewellery – on your holiday, make sure they’ll be included in your insurance
- Gadget cover, which will help in case a possession such as a mobile phone or a GoPro is lost or stolen
- Passport cover, which protects you against extra expenses if your passport is lost or stolen while you’re abroad
You should also keep an eye on your policy’s excess – that’s the amount you’ll have to pay yourself towards any claim. A higher excess usually means your premium is cheaper – but make sure it’s an amount you’ll be able to pay.
The full details of your insurance will be in your policy document, so make sure you read it in full before you choose a travel insurance deal.
What won’t be covered by my Morocco travel insurance?
There are some features that may not be included in your insurance for your trip to Morocco. These are known as exclusions. Make sure you know what you can and can’t claim for before you make your holiday plans.
- Some insurance policies might not cover you for accidents or injuries you sustain during activities like skiingand snowboarding, or even hiking or kicking around a football on the beach. MoneySuperMarket’s insurance comparison tool allows you to quickly find out what activities will and won’t be covered in any travel insurance policy. If you plan on enjoying any physical activities on your Moroccan getaway, check that they’re included first
- If you have a pre-existing medical condition, or you’ve had one in the past for which you’ve received advice or treatment, you may be charged a higher premium. If this is the case, it may help to take out a special policy for pre-existing conditions
- Morocco is a stable and peaceful country – however, keep in mind that you may not be covered for incidents related to civil unrest, war or terrorism, so exercise caution. It’s possible to purchase an additional policy to keep you protected
- Your policy will be invalidated if you travel to locations that the Foreign, Commonwealth & Development Office (FCDO) has said British holidaymakers should avoid. While Morocco is safe for travellers, make sure you keep up to date with the FCDO’s travel guidance for Morocco before you plan your trip
- If you suffer an accident or injury that can be linked to you drinking too much or using illegal drugs, insurers are likely to refuse your claim
When should my Morocco travel insurance policy start from?
When you choose an insurance policy, make sure you’re covered from the day you book your trip, not the day you actually leave. That way, you’ll be covered in case you need to cancel your holiday before you set off.
Top travel tips for Morocco
Morocco is a stunning place – but it can be hard to find your feet amid a very different culture. These Morocco travel tips will help you make the most out of your holiday:
- Double trouble: Morocco is one of the only places in the world where you can ski and surf on the same day. Head up to Oukaimeden, Africa’s highest ski resort, for a morning on the powder before hitting the balmy coast for some late-afternoon waves
- Check the calendar: When planning your holiday, it’s a good idea to keep on top of the local calendar. Morocco is a Muslim country, so markets and attractions are often closed on Fridays for prayers. If you’re visiting during Ramadan, it may be hard to find a meal outside of tourist areas, as many locals will be fasting during the daytime
- The art of the deal: Morocco is justly famous for its fabulous souks and medinas – sprawling market districts where you can find spices, fragrances, local handicrafts and much more besides. Haggling is part of business here, so give it a go. It’s not rude to seek a better deal: vendors will usually start by offering tourists an astronomical price, and you’ll be expected to bargain them down. One good rule of thumb is to offer one third the price you’re quoted. If you do change your mind about something, though, remember that pretending to walk away is a common haggling strategy in Morocco – so don’t be surprised if your vendor doesn’t take no for an answer
- Saffron or saffroff? Delicate saffron is used in all manner of Moroccan dishes, and it’s a great gift to bring home. Just make sure it’s the real thing before you buy. Ask your vendor to put a few strands in some water. If it stains the water yellow, it’s real saffron. If it stains the water red, it’s been artificially dyed – best to avoid
- Careful with your camera: Although Morocco is full of fantastic sights, use good etiquette when taking photos. Many Moroccans – especially women – might not like being photographed, and some street vendors might demand money if you take a snap of their stalls
- Dress considerately: It’s important to respect Moroccan culture while you’re travelling – especially if you want to venture outside tourist areas. While shorts are acceptable on men, women should keep knees and shoulders covered
- Keep to cash: The currency of Morocco is the dirham, with one dirham worth roughly 20p. It’s also a closed currency, which means you won’t be able to change your money until you’re in Morocco. It’s a good idea to have plenty of cash handy: many businesses won’t take cards, and even in big cities ATMs will sometimes run out of currency
- Mosques off-limits: Sadly, if you’re not Muslim, you may not be able to go inside many of Morocco’s beautiful and ancient mosques. However, there’s one that’s open to all tourists: the Hassan II Mosque in Casablanca, the world’s third-largest mosque, with a stunning minaret 210 metres high
- Parlez-vous Francais? The official languages of Morocco are Arabic and Berber. You’ll be able to get by with English in the bigger cities and popular tourist spots, but a lot of Moroccans also speak French. If you know a few words it could come in handy breaking the language barrier or deciphering restaurant menus
- Beat the scammers: Especially in tourist cities like Marrakech, you’re likely to be approached by a scammer. They may offer to take you on a guided tour, or show you to a fantastic out-of-the-way restaurant or shop. It’s best to politely refuse: if you want some local knowledge, there are plenty of licensed tour guides available
- Unwanted attention: Moroccans are famously hospitable, but solo female travellers might find some of their persistent attention unwelcome. If you are catcalled or harassed, the best policy is usually to ignore it and keep moving
Get the best price on travel insurance for Morocco
Travel insurance for Morocco is essential to keep your protected, but not all policies are the same. To find the cheapest Moroccan travel insurance that meets all your needs, it’s important to compare before you buy.
MoneySuperMarket’s comparison tool asks you a few simple questions about you and your holiday: where you are going, how long for and what you want your policy to cover, and in just a couple of minutes you can compare prices from a range of leading travel insurers.