maldives travel insurance

June 1, 2020

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Destination Guide: The Maldives

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Travel Insurance for the Maldives 2023

What is the best travel insurance for the Maldives? The Maldives is the dream destination of thousands of travellers who seek to relax on white sand beaches and crystal-clear waters. To enjoy the comfort of their luxurious resorts, or, for example, enjoy the incredible biodiversity of their underwater environments. If you have already started organizing this adventure, you must have begun to look at flight options to the country, accommodations, and travel insurance for the Maldives that will protect your health and wallet , so that nothing ruins this unique experience that you are about to embark on.

In this guide, we will focus on the last point and give you all the necessary information so that you can choose the best travel insurance for the Maldives . We will discuss the coverage you need in the country, its price, and how easy it is to get this insurance.

Are you ready to start this journey to paradise?

Why get travel insurance for the Maldives?  

The Maldives is a clear example of a country where having travel insurance is essential, as it is one of the countries where a doctor visit is costly , which makes it essential to have adequate travel insurance.

As you can imagine, in a country with over 1,000 islands, it is not always easy to find a medical center, let alone one of good quality. Sometimes, depending on the urgency, it may even be necessary to be transported to another nearby country where you can be treated with the best guarantees. Therefore, it is essential to have the best travel insurance for the Maldives.

The Importance of Travel Insurance

This spectacular archipelago awaits you with many spectacular activities. A simple stumble while walking the streets of the capital, Malé, can end in a minor ankle sprain; indigestion from trying the typical cuisine; a cut from coral while snorkelling or diving in its incredible underwater world, or simply any problem that would be less serious in our own country (an infection, back problems, routine medical care…) without travel insurance for the Maldives could result in a high bill and a visit to a medical center that is likely below the quality standards we are used to. 

But your international medical insurance for the Maldives must go far beyond health-related issues and be by your side in case of any incident. IATI Total Comfort and IATI Star are the best policies for this trip. If your country of residence is within the European Union your best ally for this trip is IATI Total Comfort . If your country of residence is outside the European Union we recommend IATI Star. They take into consideration many more aspects and protect you in cases that may occur on a trip like this, such as problems with your luggage or theft. You will travel with serenity and if something happens, you can continue your journey.

What is the best travel insurance for the Maldives?   

In the next section of this guide to getting your travel insurance for the Maldives, we will detail the characteristics that your policy should have.

All of these, and many more, are included in the IATI Total Comfort and IATI Star travel insurances for the Maldives. So, if you are already aware of the importance of having the best policy for this trip, don’t wait any longer and get it now.

What features should the best travel insurance for the Maldives have?  

Your travel insurance for the Maldives must have extensive financial coverage to ensure your safety. In addition, it should come with specific coverage for a trip to this destination. Each trip is different and just as you would need specific coverage to travel to a European city, for a trip to the Maldives, your policy should have the following characteristics, all included in your IATI Total Comfort and IATI Star policies: 

Free assistance in your language 24 hours a day 

The official language of the country is Dhivehi, but most workers in tourist accommodations and activities you will engage in speak fluent English. Have you ever imagined needing some kind of assistance and not being able to request it in your language? It would be a big waste of time and in certain situations, it can be extremely necessary for someone to speak the same language as us.

That’s why with your travel insurance for the Maldives, we will always assist you in your language . In addition, we will be available to you 24 hours a day and 7 days a week, and you can contact us for free. If you do it by phone from abroad, you only need to send us the receipt for your international call, and we will reimburse you as soon as possible.

High Medical Coverage  

Due to the archipelago’s topography and deficiencies in terms of medical centers on most islands, in severe cases, you may even have to be taken to another country. Therefore, having the best travel insurance for the Maldives is the best guarantee, both for its high coverage and the possibility of medical transfer if necessary. 

That’s why we’ve provided the IATI Total Comfort travel insurance for the Maldives with up to €10,000,000 to cover any medical situation you may face and IATI Star with up to €1.000.000 to cover any health situation. Additionally, you will always receive this attention in the best medical centers and hospitals in the country. 

Adventure sports in the Maldives  

A trip to a “beach” destination like this is synonymous with water sports and adventure. As you may be surprised, most international medical insurance does not cover this type of activity. The IATI Backpacker travel insurance for the Maldives, thanks to its Adventure Sports coverage , will protect you when you are enjoying popular activities in this destination. Such as diving up to 40 meters, surfing, windsurfing, beach games, paddle boarding, kayaking/canoeing, jet skiing, zip-lining… and even snorkelling!

That’s right, activities that at first glance may seem so simple and that you may think are included in any travel policy, would not be included without the Adventure Sports coverage in your travel insurance to the Maldives. 

No deductibles, you don’t pay anything out of your pocket   

Many insurers offer prices that hide in the small print that they work with deductibles. If there is a deductible of 100 euros and you need some medical assistance, you will have to pay the first 100 euros (even though you have already paid the policy), and the insurer will cover the rest of the bill if it is higher than 100€.

At IATI, we do not work with deductibles , and we cover every penny of your medical assistance.

No need to advance money for medical assistance   

On the other hand, there are private health insurances that, when you travel abroad and need medical assistance, in addition to covering only a part, require you to make the payment and only weeks later reimburse you . This could mean that you must pay thousands of euros in the middle of your trip to the Maldives for an emergency and only get it back weeks later.

With your IATI travel insurance, you won’t have to worry about that, we’ll take care of everything. 

The process to use your travel insurance for the Maldives is simple: when you need it, just contact us, and explain what type of assistance you need. We will quickly refer you to a quality medical center nearby, where they can help you. Once you get there, they will be waiting for you and, after your visit, we will take care of the costs of the consultation and any possible exams and medications prescribed by the professional.

Similarly, if due to an emergency, you cannot contact us before visiting the medical center, we will also be there to support you. Just send us the bills and medical reports and we will reimburse the costs as quickly as possible.

Lost luggage and theft included   

The best travel insurance for the Maldives should go beyond high medical coverage. You and your luggage are going to the Maldives, and that’s why we’ll also take care of protecting your belongings . Thanks to your IATI Total Comfort insurance, you will have up to 1,500 euros of coverage for cases such as robbery with violence or problems with your luggage. With IATI Star you will also be protected in such cases and you will have up to 2,500 euros of coverage.

Cancellation option – cancelling your trip to the Maldives 

On a trip like this, there is a considerable economic investment. Buying tickets to the country, reserving hotels and transportation, booking activities… So, it is possible that, like many other travellers, you may wonder: “What if I couldn’t make this trip for a serious reason? Will I lose all the Money invested?”

At IATI, we have over 135 years of experience, we are innovation leaders and have adapted all our products to the needs of our travellers. To address this concern, we introduced the option of Trip Cancellation Supplement . Thanks to this coverage, if you cannot take your trip due to one of the many causes considered in the conditions, we will reimburse you up to 2,000 euros to recover travel expenses that you cannot receive from official suppliers. Therefore, if you wish, you can use this money to visit this paradisiacal destination when you can.

When you purchase your medical insurance to travel to the Maldives, you can easily add the Cancellation Supplement with a single click.

Travel Insurance Coverage for the Maldives   

Now that you know the coverage your travel insurance for the Maldives should have, you may be interested in learning more about the features offered by the most popular policies among travellers heading to this destination. On the IATI Total Comfort  and  IATI Star  pages, you can find detailed information about our policy and its benefits.

In the following table, as a summary, we show you some of the coverages  if you are travelling from the EU:

If you are travelling from outside the EU, here is the summary of the features of the best travel insurance:

How much does travel insurance for the Maldives cost?  

The cost of your travel insurance for the Maldives, is what will convince you of the great quality/price ratio.

As you can see, the price of a two-week trip is lower than the price of one night in a medium hotel, which means that your international insurance will be a minimal cost in your travel budget. 

In addition, this is an expense that will turn into a huge saving in case you need any type of assistance:

How to hire the best travel insurance for the Maldives  

Thanks to the intuitive menu, you will quickly see how easy it is to get travel insurance for the Maldives:

Simply enter the following information:

• Your place of departure for the trip;
• Travel destination: Maldives;
• Start and end dates of the trip;
• Number of travellers;
• Type of insurance: travel insurance.

After filling in this menu and clicking on “Get a quote”, select your IATI Total Comfort or IATI Star  insurance and click “Contract”. This is where, with just one more click, you can add the Cancellation Supplement , as we explained earlier, you can recover up to 2,000 euros in case you have to cancel your trip for any of the reasons considered.

Just enter your personal information, make the payment and in your email, you will receive the Maldives travel insurance details you just hired, with all the information to contact us if you need assistance.

And that’s it! In just 3 minutes, you have already ensured the tranquillity of your trip with the best coverage and the best price!

Useful information for travelling safely to the Maldives   

Best time to travel to the maldives   .

In terms of climate, the best time to travel to the Maldives is between january and april , thanks to its good temperatures and low presence of rain.

Between May and August, there is intense rainfall, although it is still possible to enjoy a safe trip to the Maldives.

The average annual temperature is around 28-29 degrees, so you have no excuse not to make this trip at any time!

Security in the Maldives   

The Maldives is a very safe country for travellers within their tourist areas.

Health in the Maldives   

As it is an archipelago with more than a thousand islands, you may not always have quality health posts nearby. In addition, medical care in the country is very expensive for tourists.

That’s why IATI Total Comfort and IATI Star, the best travel insurances for the Maldives, is essential to visit this paradise. With its coverage in medical assistance, theft, adventure sports, or lost luggage, it ensures that you are protected throughout your trip. Get your travel insurance now!

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Travel Insurance for Maldives

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

The Maldives, with its shimmering turquoise waters, abundant marine life, and picture-perfect sunsets, is a true slice of paradise on earth.

As dreamy as this tropical destination may be, it’s crucial not to overlook the practicalities – one of which is securing the right travel insurance .

In this comprehensive guide, we will delve into the nitty-gritty of travel insurance for the Maldives, helping you to better understand how it protects your trip, how to pick the right plan, and most importantly, how to travel with peace of mind.

In this article...

Understanding Travel Insurance

Before we set our virtual footprints on the sun-kissed beaches of the Maldives, let’s make sure we’re on the same page about travel insurance.

Essentially, travel insurance is a type of policy that helps protect you from certain financial risks and losses that might occur while traveling. These losses could be minor, like a delayed suitcase, or significant, like a last-minute trip cancellation or a medical emergency overseas.

Travel insurance plans can cover a variety of scenarios, including medical emergencies, trip cancellation or interruption, baggage loss or delay, and even emergency evacuation .

The specifics of what’s covered vary by plan and provider, so it’s vital to read the fine print before buying.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Why You Need Travel Insurance for the Maldives

Travel insurance is crucial, no matter where your wanderlust leads you. However, the Maldives, with its unique geography and exclusive travel experiences, presents a set of potential risks that make travel insurance even more important.

Remote Location & Limited Medical Facilities

The Maldives is an archipelago of 26 atolls, made up of more than 1,000 islands. Medical facilities are limited, especially on the smaller, more remote islands. In the event of a serious injury or illness, medical evacuation may be necessary – and without insurance , this could set you back tens of thousands of dollars.

High Cost of Travel & Accommodation

A trip to the Maldives can be quite the investment. Luxurious overwater villas, private yacht charters, and fine dining experiences can quickly add up. Travel insurance can safeguard that investment by covering non-refundable expenses if you have to cancel your trip due to unforeseen circumstances.

Activities & Adventures

Whether it’s scuba diving amongst vibrant coral reefs or trying your hand at water sports, the Maldives offers plenty of thrilling adventures. However, these activities can also present risks. Certain travel insurance policies can provide coverage for accidents or injuries that may occur during these activities.

Environmental Factors

While the Maldives is a tropical paradise, it’s also susceptible to environmental factors like storms and monsoon rains, which could disrupt your travel plans. Travel insurance can cover such weather-related disruptions.

Choosing the Right Travel Insurance for Your Maldives Trip

Now that you’re aware of why travel insurance is essential let’s dive into how to choose the right plan for your Maldivian getaway. Here’s what to consider:

Medical Coverage

Make sure your policy includes comprehensive medical coverage, including emergency medical treatment, hospitalization, and medical evacuation. Remember, the cost of evacuation can be exorbitant, especially from remote Maldivian islands.

Trip Cancellation or Interruption

Look for a policy that covers trip cancellation or interruption. This means if you need to cancel your trip due to a covered reason (like an unexpected illness), or cut your trip short, you could be reimbursed for the prepaid, non-refundable trip costs.

Baggage Protection

This coverage can reimburse you for your personal belongings if your luggage is lost, stolen, or damaged during the trip. Given the long-haul flights often required to reach the Maldives, this could come in handy dyring the trip. Given the long-haul flights often required to reach the Maldives, this could come in handy.

Activity Coverage

If you’re planning to partake in water sports or other adventurous activities, make sure your policy extends its coverage accordingly. Not all policies automatically cover these activities, so you may need to add extra coverage.

Weather and Natural Disaster Coverage

As mentioned earlier, the Maldives can be susceptible to adverse weather conditions and natural disasters. Coverage for these events can offer compensation for associated losses.

Frequently Asked Questions About Travel Insurance for the Maldives

Q: Is travel insurance compulsory for visiting the Maldives?

A: As of my knowledge cutoff in September 2021, travel insurance is not compulsory for visiting the Maldives. However, given the potential risks and costs associated with traveling here, it’s strongly recommended.

Q: What if I have a pre-existing medical condition?

A: Policies vary, but many travel insurance providers offer coverage for pre-existing conditions . You may need to purchase your policy within a specific period after making your initial trip deposit, and you’ll likely need to disclose your condition when purchasing the insurance. Always check with your insurer to understand their rules regarding pre-existing conditions.

Q: When should I buy travel insurance ?

A: The best time to buy travel insurance is shortly after making your first trip payment or booking. This helps ensure you have coverage for any issues that may arise between booking and departing, and it can also help with eligibility for benefits like pre-existing condition coverage or ‘Cancel For Any Reason’ coverage.

Q: Can I buy travel insurance after I’ve started my trip?

A: It depends on the insurer. Some companies do offer policies that you can purchase after departure, but the coverage may be more limited compared to policies purchased before departure.

In conclusion, while the dreamy islands of the Maldives beckon with their stunning beauty, ensuring you have suitable travel insurance is a crucial step in the planning process.

With the right coverage in place, you can embark on your Maldivian adventure with confidence, knowing you’re protected against the unexpected. After all, travel is all about enjoyment and relaxation, especially when you’re heading to paradise!

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Is travel insurance mandatory for Maldives?

How can i buy travel insurance for the maldives, what is the best travel insurance for maldives trips, what does travel insurance for maldives cover.

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