maldives travel insurance cost

Top Travel Insurances for Maldives You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

The Maldives is a quintessential tropical paradise with crystal-clear waters, stunning beaches, and unique underwater experiences. Although travelling to Maldives can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Maldives and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Maldives Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Maldives:

Best Travel Insurances for Maldives

• 01. Should I get travel insurance for Maldives? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Maldives scroll down

Heading to Maldives soon? Don't forget to check the following list before you travel:

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• 🛂 Need a visa? Let iVisa take care of it for you.
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• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Maldives?

No, there's currently no legal requirement to take out travel insurance for travel to or through Maldives.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Maldives or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Maldives:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Maldives. It lets you choose between various plans tailored to meet the specific needs of your trip to Maldives, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Maldives:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Maldives? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Maldives

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Maldives. However, we strongly encourage you to do so anyway, because the cost of healthcare in Maldives can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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See our recommendations for travel insurance to other countries worldwide:

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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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Aug 1, 2023

Maldives Travel Insurance

by Joey Rahl

The Best Travel Insurance for Your Trip to Maldives

Introduction

You are planning your trip to Iceland and travel protection is essential. While travel insurance is not mandatory to enter Iceland, it is strongly recommended that all travelers have coverage due to the unpredictable nature of international travel.

We will help you procure the correct policy for your trip.

Maldives, an archipelagic nation of islands, is a great choice for those looking for a adventure. A trip to the Maldives can be a once-in-a-lifetime experience! You’ll never run out of fun activities and adventures! Swim and scuba dive to explore the underwater wonders, from corals to marine life. You can also go island-hopping to discover what makes each island special. With so many incredible activities available, travel insurance can be even more crucial.

Whether you are traveling for pleasure or business, travel insurance will protect the cost of your trip , including medical coverage, trip delay , baggage delay , baggage loss etc. Travel insurance can also be incredibly important if you are traveling to Nepal on a luxury tour, as travel insurance will protect your financial risk, if anything should happen and you cannot travel.

Which Travel Insurance Policy Should I Purchase For My Trip to Maldives?

Travel Insurance can be an overwhelming and confusing experience.

There are literally over a hundred companies and policy options in the market!

·      How do you know which is the best policy for you?

·      How do you know which companies actually protect you?

·      Which really pay out? 

·      What specific coverages do you need?

·      And most importantly, what do you do if you have a claim?

The only way to truly know which is the best travel insurance policy for your trip to Maldives is to contact Travel Defend. We are a brokerage with access to every policy in America and are experts at all of them. Our concierge service will answer all your questions, ensure you get the perfect policy for your precise situation, take care of all the paperwork for you, and most importantly, ensure you get paid. The best part? You never pay a penny more to work with Travel Defend. All our benefits, with no downside- the ultimate win-win.

Top 3 Things to Do in Maldives

The Maldives, located in the Indian Ocean, just southwest of Sri Lanka is known for its countless islands surrounded by white sand, palm trees, and water that is too clear to believe. If you want to pamper yourself, then a luxurious resort is the perfect place. But if you venture out, there are cultural wonders and wildlife encounters that will be unforgettable. This is the ultimate vacation spot!

1.   Meet Sharks & Manta Rays At Maafushi Island

Want to see sharks, mantas rays and other marine life up close?   Maldives offers you this opportunity.   Maafushi Island is a destination that’s known for its marine life. It’s one of the best ways to experience the Maldives.   Maafushi Island, a place with a variety of amenities, including a luxurious beach, gourmet food and more, is a popular destination for travelers.   The main reason that people come to this island is to enjoy the calmness of the beaches and to meet the sharks. Unbelievable!

2.  Snorkel in Banana Reef

Banana Reef is located in the North Male Atoll, west of Farukolhufushi Island. Divers, snorkelers and swimmers can find it there.   The reef is shaped like a banana, which is how it got its name. It’s great for beginners and advanced divers, with small canyons and overhangs.   The ocean currents have created a large overhang in the middle of the reef.   Divers and snorkelers can see huge schools of oriental sweetlips, snappers and fusiliers.   A wall and some caves are located on the southern end of the reef. These caves are filled with red-tooth triggerfish.   Banana Reef has been designated a marine protected area.

3. Secret Paradise

Secret Paradise’s headquarters is located on Hulhumale – an artificial island that is an extension to Male, just north of Male Airport.   Secret Paradise places a strong emphasis on the local Maldivian tradition and culture.   Visitors can learn how the locals live on Hurra island.   Visitors can explore the mangrove swamps and freshwater lakes.   Then, on their way back they can relax on the roof of the ferry and enjoy the night sky.   The guests can also choose to spend a day island-hopping, take a walk on the smaller Villimale island, or have dinner with locals.

U.S. / Maldives Embassy and Consulate Locations

U.S. Mission to Maldives

• U.S. Virtual Mission in Maldives 210 Galle Road Colombo 03 Sri Lanka Phone: 94.11.249.8500

Representatives of the Maldives in USA

• Permanent Mission to the UN of the Maldives 800 Second Avenue, Suite 400-E New York, NY 10017 United States Phone: 1.212.599.619

We are available inmediately to assist you.

This is where travel defend steps in., we are your travel insurance experts..

We have access to every policy in America and will ensure you are protected with the best policy for your specific situation.

Our brokerage provides a personalized, one on one concierge service that is immediately ready to assist. We don’t just send you to a link to figure it out for yourself – we are here to answer all your questions, guide you to the best policies for your precise situation and we will even do all the paperwork for your.

Since we bring thousands and thousands of policies to the insurance companies – they take care of our people.

Give us a call at

1.800.578.2871

We are the ultimate win-win.

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Maldives travel insurance.

Planning a trip to the Maldives? With its clear turquoise waters, white sandy beaches, and abundance of marine life, it’s no surprise why the Maldives is a popular destination for travelers. But before you pack your bags and head off to paradise, it’s important to make sure you have the right travel insurance for your trip.

Why Do You Need Travel Insurance for Your Maldives Trip?

While the Maldives is generally a safe and peaceful destination, accidents and unexpected events can still happen. Travel insurance can help protect you from financial losses due to trip cancellation, medical expenses, lost or stolen luggage, and other unforeseen circumstances.

Without travel insurance, you may be responsible for paying out of pocket for any unexpected expenses that arise during your trip. This can add up quickly and ruin your vacation experience.

What Does Maldives Travel Insurance Cover?

Travel insurance policies vary, but most policies will cover the following:

How Much Does Maldives Travel Insurance Cost?

The cost of travel insurance for your Maldives trip will depend on several factors, including your age, the length of your trip, and the coverage you choose. On average, you can expect to pay around 5% to 10% of the total cost of your trip for travel insurance.

How to Choose the Right Maldives Travel Insurance Policy?

Choosing the right travel insurance policy for your Maldives trip can be overwhelming. Here are some tips to help you find the best policy for your needs:

• Consider the coverage you need
• Compare policies from different providers
• Read the policy fine print carefully
• Look for policies with good customer reviews
• Consider purchasing a policy that includes a medical evacuation benefit

When Should You Purchase Maldives Travel Insurance?

It’s important to purchase travel insurance as soon as you book your trip. This will ensure that you are covered in case of any unforeseen circumstances that may arise before your trip, such as illness or a family emergency.

What to Do in Case of an Emergency?

If you experience an emergency during your Maldives trip, you should contact your travel insurance provider as soon as possible. They will be able to guide you on what to do next and help you receive the appropriate medical treatment.

Travel insurance is an important investment for any trip, especially when traveling to a foreign country like the Maldives. By purchasing travel insurance, you can have peace of mind knowing that you are protected from financial losses due to unexpected events. Before your trip, make sure to compare policies and choose the right coverage for your needs.

• Global travel destinations

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Schengen visa insurance

US Expatriates Insurance

US residents visiting Maldives

Maldives travelers visiting USA

Coronavirus travel insurance for maldives, covid travel insurance for maldives, maldives travel insurance with covid coverage, maldives covid travel insurance.

• Safe Travels Outbound insurance by Trawick International is available for US citizens traveling to Maldives with Maldives Covid insurance coverage.
• Safe Travels International insurance by Trawick International works well for Non-US citizens visiting Maldives and provides covid19 insurance coverage.
• Travel Medical Plus Insurance offered by Seven Corners has covid health insurance for visitors to Maldives. The Sevencorners coronavirus visitor insurance treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.
• Diplomat Long term Insurance by Global Underwriters. The Diplomat Long Term travel insurance offers coverage for covid-19 as a new sickness and is available for both US and Non US citizens. It must be bought for a minimum of 3 months and insures up to 1 Million Dollars.
• Atlas International Insurance by WorldTrips offers good travel insurance for Maldives and covers covid19 illness.

Travel insurance for visiting Maldives

Select the type of travel health insurance for visiting maldives..., travel insurance for quarantine coverage.

• Travel insurance for US Citizens and US Residents traveling outside USA
• Provides minimum coverage of $3,000 for potential or extended quarantine lodging expenses due to Covid19.
• Provides guaranteed travel insurance for Covid19 for medical expenses of at least USD $50,000.
• Covid-19 is covered as any other sickness
• Safe Travels Voyager plan's trip delay benefit can be upgraded.
• The base benefit is $3000 (which is $250 per day). Traveler’s can choose $4000 ($300 per day) or $7000 ($500 per day).
• Provides minimum coverage of $2,000 for potential or extended quarantine lodging expenses due to Covid19.
• Covid-19 is covered as any other sickness.
• Covid Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay $2,000/$150 per person per day (6 hours or more) is included in the basic coverage.
• Optional Quarantine Benefit Upgrade at additional price Trip Delay Max Upgrade - including Accommodations (6 Hours or more) $4000 ($300/day) or $7000 ($500 per day)
• Travel insurance for Non US Citizens and Non US Residents traveling outside their home country
• Travel insurance for US Citizens and US Residents
• Provides minimum coverage of $1,000 for potential or extended quarantine lodging expenses due to Covid19.
• Covid19 medical expenses are covered and treated the same as any other sickness
• Offers coverage of $50,000 for emergency medical expenses
• Offers comprehensive trip cancellation coverage

• Travel medical insurance coverage outside USA
• Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
• Coverage must be bought for a minimum of 30 days. Proof of quarantine mandated by physician needed.
• Quarantine must be due to you testing positive for COVID-19/SARS-CoV2.

• Travel insurance for US Citizens and US Residents traveling outside US
• Trip cancellation up to $50,000
• Trip interruption up to 200% of trip cost
• $500,000 medical for sickness and injury/$1,000,000 medical transportation
• Include $2000 in travel delay benefits for quarantine/lodging.

Best travel insurance

Best international travel insurance for us citizens.

• Travel medical insurance for US Citizens and US Residents traveling outside USA
• Available up to 180 days
• Offers emergency sickness coverage up to $500,000
• Covid-19 covered as any other sickness

• Coverage for travelers traveling outside their home country whose destination excludes the U.S. and its territories.
• Deductible options from $0 to $2,500
• Policy Maximum from $50,000 to $2,000,000
• Renewable upto 24 continuous months
• Covers COVID-19/SARS-CoV-2 as any other Illness or Injury.
• Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million.
• Deductible options from $0 to $25,000
• Policy Maximum from $1,000,000 to $8,000,000
• USA travel medical insurance coverage outside USA for US citizens
• Available up to 365 days
• Offers maximum coverage up to $2,000,000
• Offers insurance coverage for Covid expenses

• US travel health insurance for US citizens outside USA
• Available up to 3 years (Elite plan)
• Offers maximum coverage up to $1,000,000
• Travel Medical Plus insurance offers coverage for expenses related to COVID-19
• Short term fixed benefit cheap travel insurance USA for US citizens outside USA
• Plan maximum options available up to $130,000 for medical expenses

• Offers coverage outside the US
• Includes coverage for Covid19 as any other illness under the medical expense maximum.
• Testing for Covid-19 will only be covered if deemed medically necessary by a physician.
• The antibody test and prescreening test are not covered, as they are not medically necessary. For individuals age 65+, maximum plan coverage is $100,000.
• Offers coverage for travelling outside your home country
• It includes coverage for Covid-19 is covered as any other illness under the medical expense maximum.
• Testing for Covid-19 will only be covered if deemed medically necessary by a physician. The antibody test and prescreening test are not covered, as they are not medically necessary. Maximum age for plan eligibility is 64.

Best Expat insurance, Best Expatriate insurance

Expat insurance plans.

• Ideal for US expatriates and for those global citizens living and working outside their home country.

• Xplorer Premier Insurance provides unlimited annual and lifetime medical maximum.
• It covers pre-existing conditions with creditable coverage

Best trip cancellation insurance, Best trip protection insurance

Best trip cancellation insurance.

• Trip Cancellation: Up to 100% of insured trip cost
• US Residents on domestic and worldwide trips
• Travel SE Covid Quarantine Benefit : Travel SE plan offers Coverage for accommodations due to a covered Trip Delay $2,000/$125 per person per day is included in the basic coverage.
• Travel LX Covid Quarantine Benefit : Travel LX plan offers Coverage for accommodations due to a covered Trip Delay $2,500/$250 per person per day is included in the basic coverage.
• Inexpensive coverage for trip cancellation & interruption
• Travel Lite Covid Quarantine Benefit : Travel Lite plan offers Coverage for accommodations due to a covered Trip Delay $500/$125 per person per day is included in the basic coverage.
• Trip Cancellation: Up to 100% of Trip Cost Insured
• Up to 100% of Trip Cost Insured
• It covers Trip Cancellation coverage from $150 to $10,000.
• Trip Cancellation: Trip Cost: Up to a Maximum of $30,000.
• Maximum Trip Length 90 Days
• Offered by Trawick International and is highly rated.
• You can add a "Cancel for Any Reason" waiver onto the plan.
• It can cover trips up to 90 days long.
• Cancellation of policy must be purchased within 10 days of the initial trip deposit date.

• Trip Cancellation: Basic - $15,000 Max
• Trip Cancellation: Plus - $100,000 Max
• Trip Cancellation: Elite - $100,000 Max

• Trip Cancellation: 100% of trip cost up to $30,000
• Provides coverage for U.S. residents travelling outside their home country
• Trip Cancellation: 100% of trip cost up to $100,000

Cancel for any reason trip cancellation insurance

Cancel for any reason plans.

• Cancel For Any Reason: 75% of non-refundable trip cost
• Trip Cancellation: Tour cost to a maximum of $100,000
• Cancel for Any Reason: Up to 75% of trip cost insured
• Trip Cancellation: Up to 100% of Trip Cost
• Cancel for Any Reason: 75% of non-refundable trip cost
• Trip Cancellation: Up to a Maximum of $50,000. ($30,000 for travellers above 80 years)
• Cancellation for Any Reason: 75% of the Insured Trip Cost within 21 days of trip deposit - some restrictions apply. Not available in NY or WA.

USA Senior Citizen travel insurance, USA seniors travel health insurance

Travel health insurance for older us travelers.

• The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for single trips with coverage from 5 days to 365 days
• The GlobeHopper Multi-trip plan which covers a period of 12 months with a maximum of 30 days for each overseas trip

• It is an affordable international travel health insurance for US citizens.
• It offers coverage for medical and evacuation expenses for short trips.
• It is available up to 12 months
• It is an renewable long term international travel health insurance for US citizens.
• It offers coverage for medical and evacuation expenses.
• It is available up to 12 months.

Best Annual travel insurance, Best yearly travel insurance

Annual travel plans.

• Patriot Multi Trip is designed by IMG to cover travelers taking multiple trips in a year.
• Covers non US Citizens travelling multiple times annually outside their home country
• Offers coverage for covid19 illness.

• Trekker Essential Insurance offers maximum coverage of $50,000 for sickness and accidents.
• Available for both US and Non US citizens up to 75 years
• Maximum trip length is 30 or 45 days per trip
• Available for US residents only up to age 81 years
• Maximum trip length is 30 days per trip

• Voyager Annual (offered by USI Travel Insure) covers US citizens in and out of the US at least 100 miles away from home.
• It does not cover trip cancellation but can be used for 90 days at a time within a year and is great for frequent travelers.

Review and compare the best Annual insurance.

Covid Quarantine insurance for US citizens

According to changes from June 2022, US Citizens who have traveled overseas are no longer required to get tested for COVID19 before traveling back to the US. This was earlier mandatory by the US government, and this requirement is currently under abeyance based on the trajectory of the pandemic. This COVID19 test was required both for unvaccinated and for vaccinated travelers. However, despite the Covid test not being compulsory, it is prudent for US citizens to buy travel insurance with Covid quarantine expenses included given the pandemic and different Covid sub-variants.

US travelers can either buy US Covid quarantine coverage trip insurance (includes coverage for cost of the trip), or Covid quarantine travel health insurance (insures only the health of the traveler and is cheaper than trip insurance).

Single Trip Travel Insurance

Single Trip vs MultiTrip Insurance

Maldives travel insurance - frequently asked questions, does maldives travel insurance cover covid19 illness.

There are some USA Covid travel insurance plans available for travel to Maldives that cover covid19 as a new illness. International travelers can compare best Covid travel insurance plans and buy it online.

These US covid travel insurance plans are available for visitors from Maldives to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.

What is the best Maldives travel insurance?

This is a good question and American Visitor Insurance tries to answer for our customers. Given the different needs of different travelers there is not one policy that is always best for everyone.If you are a traveler with concerns about a pre-existing medical condition that cause an emergency, then you will be looking at different plans than someone without a life-threatening pre-existing condition.

We endeavor to give our customer as much information as possible so they can find the Maldives travel health insurance plan that is best for their needs.If you want some more guidance, please feel free to contact us and our licensed agents will help you!

How to buy travel insurance? How to find the best international travel health insurance?

There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies.

The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19... The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.

Travel insurance for international tourists visiting Maldives

Trip cancellation insurance

Trip cancellation insurance insure trip cancellation related emergencies while in Maldives.

Travel medical insurance

Travel medical insurance for Maldives to cover accident and medical expenses.

Annual multi-trip insurance

Annual travel insurance for frequent travelers to and from Maldives.

Group Travel insurance

Group travel insurance for Maldives covers five or more travelers on same itinerary.

Popular tourist destinations in Maldives

Veligandu Island

Veligandu Island Beach is the finest beaches with a crystal clear lagoon with long stretches of white beach.

Kudahuvadhoo

Known for its mysterious hawittas or mounds, ancient temples and urban delights beautifully blended with the rolling blue waters.

Mirihi Island

It is perfect for honeymooners and solace seekers. The entire island is covered with palm trees and lined with snow-white sands and water bungalows.

National Museum, Male

It sits inside Sultan Park and visitors will find a large collection of historical artifacts, paper and cloth manuscripts, dress worn by kings and queens etc.

Maldives - General Information  

Maldives - general information.

Male, Addu city, Hithadhoo, Maafushi, Gan, Thinadhoo, Rasdhoo, Fulhadhoo.

Southern Asia

  Dhivehi

Around 4 Lakhs

Maldivian rufiyaa

Throughout the year

Travel insurance for the Maldives, Travel health insurance for Maldives

Travel insurance Maldives resources

International travel insurance resources for Maldives visa holders.

Factors for travel insurance Maldives online

Important factors while deciding on the best travel insurance to Maldives.

Types of Maldives travel insurance online

Understanding different types of Maldives visa travel insurance options.

Maldives travel insurance Claims Procedure

Travel insurance online claims process for getting medical care in a hospital.

Trip insurance vs Travel health coverage vs Global medical insurance

Confused whether to buy trip, travel or global health insurance? Understand the differences!

International travel Insurance for Maldives residents

Best travel medical insurance, patriot america plus.

• Available for US citizens visiting USA
• Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
• Plan is suitable for Green Card holders as long as they reside outside the US.

Visitors Protect

• The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
• This plan covers pre existing conditions for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.

Atlas America

• This plan is available for Non-US citizens traveling outside their home country
• Covers acute onset of pre-existing conditions till maximum limit (up to 79 years).

Diplomat America

• This plan is for Non Us citizens and Non US residents visiting the US.
• This plan have 24 months waiting period for pre-existing conditions.

Safe Travel USA Comprehensive

• Covers acute onset of pre-existing conditions up to policy maximum age up to 69 years.
• This plan is available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
• This plan is available for green card holders.
• For ages 14 days to 89 years.
• Coverage for minimum 5 days to maximum up to 364 days.

Travel Medical Choice

• Covers treatment of acute onset of pre-existing conditions (up to 79 years)
• For the acute onset of pre-existing condition coverage with Cardiac Condition and/or Stroke for age range of 14 days to 69 years, $50,000 coverage is available and for age range of 70 to 79 years, $5000 coverage is available.Other than Cardiac Condition and/or Stroke it covers for age range of 14 days to 69 years, $75,000 coverage is available and for age range of 70 to 79 years, $7,500 coverage is available
• This plan is available for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
• Best comprehensive plan that covers all pre-existing conditions up to 99 years.
• There is a minimum purchase of 90 days required to buy this plan

INF Elite 90

• Covers 90% of eligible medical expenses.

INF Safe Traveler USA 90

• INF Safe Traveler USA 90 covers 90% of elgibile medical expenses

INF Safe Traveler USA

• INF Safe Traveler USA covers 80% of elgibile medical expenses

INF Elite Plus

• Covers Preventive & maintenance care and coverage for full body physicals.
• Comprehensive plan with full pre existing condition coverage up to 99 years which is unique.

Visitors Care

• Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.

Travel Medical USA

• Offers coverage for acute onset of pre-existing conditions up to 79 years.
• Renewable up to 364 days

Visitor Secure

• It offers coverage for acute onset of pre-existing conditions up to 70 years.
• Plan can be renewed up to 364 days.

INF Standard

• This plan is available for for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
• Minimum Enrolment should be 30 days.

Safe Travels Elite

• It offers coverage for acute onset of pre-existing conditions up to 89 years.
• Available for Non US citizens coming to the US and worldwide.

INF Premier

• Acute Onset treated like New Sickness
• This plan covers Full pre-existing conditions up to 99 years.

INF Premier Plus

• Covers preventive & maintenance care
• This plan covers Full pre-existing conditions up to 69 years.

Best travel insurance for pre-existing conditions, Best Visitors insurance with pre-existing conditions coverage

• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
• Patriot America Plus Covid insurance offers coverage for coronavirus illness.
• This plan covers pre existing condition for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
• The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico or Canada.
• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 79 years).
• This plan is available to both Non-US citizens and US citizens traveling outside their home country.
• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 69 years).
• Available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.

Safe Travel USA

• Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
• This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.

Travel Medical Basic

• The policy maximum for this comprehensive insurance starts from $50K and provides up to $5M. For people above age 80 years, they get a policy maximum of $10K
• Acute onset of pre-exisitng conditions are available for Worldwide including US - $5,000 up to 65 years; $2,500 for 65 to 79 years and Worldwide excluding US - $25K up to 65 years; $5K for 65 to 79 years.

INF Elite plan

• This plan offers full pre existing condition coverage.
• Elite plan covers pre-existing condition coverage up to $25K, $30K, $40,000, or $50K subject to deductibles of $1.5K, $2K, $2.5K, $5K, or $10K for age 0 to 69 years.
• Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.

Safe Travel USA Cost Saver

• Covers unexpected recurrence of a pre-existing medical conditions up to $1000
• This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
• Acute onset of pre-existing condition coverage for Worldwide including US with Cardiac Condition and/or Stroke - $50K up to 69 years; $5K for 70 to 79 years.Other than Cardiac Condition and/or Stroke - $75K up to 64 years; $7.5K for 65 to 79 years.
• For Worldwide excluding US - $50K up to 64 years; $10K for 65 to 79 years.

INF Elite Plus plan

• Elite Plus plan with policy maximum $150K covers pre-existing condition coverage up to $25K maximum with deductible $1,500 for age 0 to 69 years.
• Policy maximum $75K covers pre-existing condition coverage up to $20K maximum with deductible $1,500 for age 70 to 99 years.

INF Elite 90 plan

• This plan covers 90% of eligible medical expenses.
• Elite 90 plan covers pre-existing condition coverage up to $25K, $30K, $40,000, or $50K subject to deductibles of $1.5K, $2K, $2.5K, $5K, or $10K for age 0 to 69 years.
• This plan is renewable for a maximum of 2 years unless there is a break in the coverage.
• It is an affordable plan for visitors visiting the US.

INF Premier plan

• This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays.
• Covers full pre-existing conditions up to 99 years.
• Safe Travels Elite Covid insurance covers coronavirus illness.
• This fixed plan Covers preventive & maintenance care.
• Premier Plus plan provides policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
• Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.

Senior Citizen travel insurance for above 60 years

• The best travel health insurance for 60 year old travelling to the US is Atlas America .
• With the best travel insurance plans for people under 70 years, you get covered up to policy maximum for acute onset of pre-existing conditions for people up to age 70.

Atlas Premium

• Atlas Premium is another version of this plan with higher coverage available for some of the benefits as compared to Atlas America.
• You can compare Atlas Travel insurance plans .
• This plan provides coverage up to $250,000 for 70 to 79 year old travelers.
• Travel Medical Basic offers coverage up to $5,000 for acute onset of pre-existing condition in including USA and $25,000 for exclusing USA till 65 years.

Travel Medical USA insurance

• The Travel Medical USA plans ( Travel Medical USA Visitor Basic , Travel Medical USA Visitor Choice ) cover acute onset of pre-existing conditions for people up to age 79.
• Travel Medical Choice Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
• The age availability is 14 days to 80+years.
• Covers acute onset of pre existing conditions up to the age of 79.
• Patriot America Plus Plan offer coverage upto choosen plan maximum for travelers under 70 years. This is a comprehensive plan from IMG and is is similar to the Patriot America Lite with the unique difference in the benefit that covers acute onset of pre existing conditions up to the age of 70
• US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.
• Visitors Protect Plan offer maximum limits from $50,000 to $250,000.
• Covers medical evacuation, emergency reunion, repatriation of remains, Accidental Death & Dismemberment, etc.

Patriot Platinum

• Patriot Platinum Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000. $25,000 maximum limit for medical evacuation.
• This is a comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing condition
• Pre-existing complications from covid-19 covered
• Elite plan covers pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 for age 0 to 69 years
• This plan need to be purchased for a minimum of 3 months.
• This fixed plan from provides full pre existing condition coverage.
• In-patient, out-patient, specialist care covered for pre-existing.
• Minimum purchase of 90 days is required for this plan.
• This is another comprehensive plan from INF.
• Elite Plus plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years .

Older traveler medical insurance for above 70 years

Safe travels usa comprehensive.

• Safe Travels USA Comprehensive available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
• For the age of 65 to 80 years this plan provides a policy maximum of $50,000 and $100,000.
• Atlas America plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
• There is also a higher policy maximum option available for people above 70 up to the age of 79.
• Atlas Premium plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
• The highest maximum that can be purchased for a comprehensive plan is Patriot Platinum which offers pre-existing condition coverage up to $2,500 for any condition.
• Travelers must be at least 14 days old and under 99 years to be covered by this plan.
• Offers coverage from 90 days to 12 months.
• This plan covers pre existing conditions for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
• Visitors Care which offer limited coverage of $2,500. Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
• INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
• INF Elite 90 plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• Pre-existing complications from covid-19 covered.
• Covers 90% of elgibile medical expenses and minimum purchase of 90 days is required for this plan.
• INF Safe Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
• This plan does not cover pre existing conditions including acute onset of pre existing conditions.

Senior Citizen travel insurance for above 80 years

• INF Safe Traveler USA 90 This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
• Covers 90% of elgibile medical expenses and minimum purchase of 30 days is required for this plan.
• INF Safe Traveler USA plan plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
• This plan covers Urinary Tract infection for older travelers above 80 years.
• For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
• For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries. This includes emergency medical evacuation, repatriation and security evacuation benefits.
• The Safe Travels USA Comprehensive provides a policy maximum of $20,000 for people aged above 80 years.

Safe Travels USA Cost Saver

• Non-US citizens and Non-US residents traveling outside their home country but not to the United States. This includes emergency medical evacuation, repatriation and security evacuation benefits.
• It is ideal for foreign residents visiting USA and then other countries worldwide. Travelers on transit visa in US can also purchase this plan.

Safe Travels USA

• This Policy provides coverage to non-US citizens who reside outside the USA and are traveling outside of their Home Country to visit solely the United States, or to visit a combination of the United States and other countries worldwide.
• This Policy is not available to green card holders in the USA. This Policy is not available to anyone age 90 or above.

Safe Travels Elite Diamond

• This plan is available for people traveling to the USA and are not US Citizens, US Residents or Greencard Holders.
• Available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
• It is available for travelers of ages 14 days to 99 years
• Travel Medical USA Visitor Basic insurance and Travel Medical USA Visitor Choice insurance with a higher deductible and up to $100,000 maximum.
• Travel Medical USA Visitor Choice is meant for immigrants to the US with or without green cards renewable up to 3 years, it is also available for any legal visitors to our lovely country.
• Senior Travelers above 90 years are also eligible to buy the Travel Medical USA Visitor Basic and Travel Medical USA Visitor Choice insurance.

Senior Citizen travel insurance for above 90 years

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New US Immigrant health insurance

The Trump administration had introduced rules making it mandatory for prospective new US immigrants to show proof of adequate US health insurance while applying for the immigrant visa. The aim of this mandatory US health insurance for immigrants is to reduce the burden on the US hospitals, the overall US health care system and finally on US tax payers by uninsured new immigrants.

At American Visitor insurance we offer immigrant health insurance plans which work well for prospective new US immigrants. After buying this immigrant medical insurance, customers will immediately receive the health insurance policy document by email. Customers can use this immigrant insurance document as proof of US health insurance while applying for the Immigrant visa. Given this rule as well as the very high cost of healthcare in the US, it is strongly recommended to buy medical insurance for new US immigrants.

New US immigrant insurance blogs

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Compare popular US immigrant plans suitable for immigrants regardless whether permanently in the US or traveling out or waiting for Green Cards

Difference between visitors and immigrant Insurance

Find out the difference between US visitors insurance and new immigrant insurance. Compare and buy the best immigrant insurance for USA!

US Health insurance mandatory for new US immigrants

The US government has made it compulsory for new immigrants coming to the US to have proper US immigrant health insurance coverage.

Schengen visa insurance for Maldives residents visiting Europe

Schengen visa insurance requirements.

• Medical coverage of at least 30,000 Euros travel insurance for schengen coverage (about $50,000 USD)
• A repatriation benefit.
• An emergency medical evacuation benefit.

Insurance for Maldives residents visiting the USA

Senior citizens.

Senior citizens traveling overseas...

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Maldives students studying overseas...

Travel tips for international travelers

Travel tips for international travelers – Safety, Comfort and Wellness.

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• Annual travel insurance for US business travelers
• Expatriate health insurance for expats working and living in the United States
• US non-immigrant work visa health insurance for H1B visa holders and H4 visa holders

• US international student health insurance for foreign students in USA (F1 visa / F2 visa holders)
• J visa insurance for US Exchange scholars and their dependents (J1 visa insurance and J2 visa insurance)
• Snowbird travel insurance for USA travelers from Canada and the UK (for warmer USA weather during winter)

US health insurance for tourists to Canada

• International travel insurance for Canada
• International travel insurance for tourists visiting Canada
• Annual travel insurance for US corporate travelers
• US international student health insurance
• Expatriate travel health insurance Expat insurance for US and other expatriates in Canada

US health insurance for travelers to Europe

• International travel insurance for Europe
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• Expat insurance for US and other international expatriates in Europe

US health insurance for tourists to the Caribbean

• Travel insurance - Caribbean , Asia , Australia , Africa and South America
• International travel insurance for US tourists and vacationers
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Covid19 travel insurance

Covid travel insurance, find the best us visitor insurance coverage - blogs and articles, affordable travel insurance online.

Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.

Best international travel insurance

International travel insurance plans covering pre-existing conditions which many older travelers look for.

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There are many cheap international insurance plans also known as visitor insurance plans.

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Coinsurance & Deductible - How visitor travel insurance works.

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Travel insurance - pre-existing conditions coverage, international travel insurance resources, us visitors insurance providers.

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

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Travel Guide

Our Maldives Travel Guide

The Maldives is an archipelago of 26 coral atolls located in the Indian Ocean, known for their crystal-clear waters and beautiful beaches. It is a popular destination for scuba diving and snorkeling, with many luxury resorts to choose from. The capital city of the Maldives is Male, which is located on one of the larger atolls. The local currency in the Maldives is the Maldivian rufiyaa. The Maldives is a tropical paradise that is perfect for those who love the beach and water sports. It is a country with a rich and diverse marine ecosystem, with a wide range of coral reefs, fish, and other marine life to explore. Whether you are staying in a luxury resort or exploring the local culture and traditions of the Maldivian people, the Maldives is a destination that has something for everyone.

Reasons to why you should get travel insurance for your trip to Maldives

Island paradise with water activities, extreme weather conditions, medical cost, lost or stolen belongings, main facts about maldives, your maldives bucket list.

If you're in Maldives, you HAVE to do these things: 1. Experience local island life. 2. Swim with whale sharks. 3. Enjoy Sunset Cruise. 4. Nightlife in Maldives. 5. Underwater Spa. 6. Bodu Beru Show. 7. Seaplane Tours. 8. Diving at Manta Point. 9. Whale & Shark Watching Tour 10. Visit China Maldives Friendship Bridge

Traveller, there are no paths. Paths are made by walking        

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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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WHERE TO STAY IN MALDIVES

• Luxury Resorts in Maldives
• Budget Resorts In Maldives
• Maldives All Inclusive Resorts
• Maldives Honeymoon Resorts
• Child Friendly Resorts Maldives
• Maldives Resorts Near Malé
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TRAVEL INFORMATION

• Maldives Visa Requirements
• Maldives Capital City
• Maldives People
• Maldives Food
• Maldives Weather
• Scuba Diving in Maldives
• Maldives Yoga Retreats
• Surf Holidays in Maldives
• Travel to Maldives from United States
• Travel to Maldives from Australia
• Travel to Maldives from India

POPULAR DESTINATIONS IN MALDIVES

• Ari Atoll North
• Ari Atoll South
• Baa Atoll Holidays
• Dhaalu Atoll
• Gaafu Alifu Atoll
• Gaafu Dhaalu Atoll
• Haa Alifu Atoll
• Haa Dhaalu Atoll
• Laamu Atoll
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Travel Insurance for Maldives

When planning a holiday to Maldives, buying travel Insurance for Maldives is not the first thing that pops up to our mind. After all, we are all impatient and excited about the exotic getaway to the tropical isles of Maldives, away from our daily stressful life. Though not an absolute necessity it’s always a smart choice to have travel insurance to save you from the unforeseen occurrences that might turn your blissful dream in paradise to a nightmare.

Before going into travel insurance Maldives details, let’s answer one question that might be on your mind. Is getting travel insurance for Maldives requirement? No. You could enjoy a holiday in the Maldives without any hiccups if you have booked one of your favourite Maldives vacation packages , return flight tickets, along with enough money to cover for your expenses. Upon arrival to the country, you will be given a Maldives tourist visa with a maximum of 30 days, free of charge for all nationalities. So no, it’s not a must. Nonetheless, it’s a good idea to have one.

You are probably wondering how much Maldives travel insurance will cost. Well, it depends. Covering a delayed suitcase will cost less than a last-minute trip cancellation or a medical emergency. The most costly one tend to be medical evacuations from the country. But you aren’t going on an extreme snowboarding holiday on a mountain. You are going on a tropical getaway to the soothing beaches of the Maldives . Its highly unlikely that you will need an evacuation, but a travel insurance for Maldives could cover a case of lost passport, which is just as important. Most of the policies cost no more than 15% of your trip on average but of course, factors such as your medical conditions and age comes into play.

To help you choose the right plan for your travel insurance Maldives, let’s look at the main areas where insurance might come in handy.

The first is a trip cancellation. An authentic insurance policy comes in hand and saves you from a devastation in case the flight gets cancelled due to unforeseeable events. Travel insurance can help you if the tables have been turned as well. You don’t want to travel to a certain location due to a terrorist attack or a potentially dangerous conflict but your flight is leaving anyways.

It’s always a good idea to have some medical coverage, even if it’s not as big as an airlift to your own country. A delayed suitcase or a lost passport can have disastrous effects on an otherwise peaceful holiday. And even if you find yourself locked up in jail, insurance can cover the legal fees. So it’s a good idea to have travel insurance for Maldives or any other place in the world.

In the end, it’s up to you to decide which travel insurance suits best for your needs as well as your budget, and how to make the most out of the coverage. A Maldives travel insurance is certainly worth having and doesn’t necessarily need to be expensive. Identify the risks of your holiday trip and choose your plan wisely. an all-round policy from an authentic agency usually does the trick. Be sure to read every line of the travel insurance for Maldives policy carefully. Even the small and boring ones. And most importantly have a safe and stress-free holiday trip!

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The Ultimate Guide to the Cost of Traveling to the Maldives: Tips and Tricks for Planning Your Dream Vacation

by Trip.com

February 20, 2023

Sun Island Resort & Spa

The cost of a trip to the Maldives can vary depending on the time of year, length of stay, and type of accommodation. Generally, it is considered a luxurious destination, and the cost of resorts and hotels can be high. However, there are also more affordable options available such as guesthouses on local islands. Flights, food, and activities can also add to the overall cost of the trip.

How much does it cost for flights when travelling to Maldives?

Male Island

The cost of flights to the Maldives can vary depending on a number of factors such as the time of year, airline, and departure location. Typically, flights from major cities such as New York, London, or Sydney can range from $500 to $1500 or more per person round-trip. However, prices can fluctuate based on availability, promotions, and other factors. It's recommended to book flights in advance and compare prices from multiple airlines to find the best deal. Additionally, some resorts and hotels offer packages that include flights, which can be a convenient and potentially cost-effective option.

Cheap Flights from New York to Maldives

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Crossed out prices are calculated based on the average price of the corresponding route on Trip.com.

How much does it cost for hotels when travelling to Maldives?

Waldorf Astoria Maldives Ithaafushi

The cost of hotels and resorts in the Maldives can vary significantly depending on the level of luxury and the location. Generally, the Maldives is considered a high-end destination, and many of the resorts and hotels are designed to offer an exclusive and luxurious experience. Prices for accommodations can range from $100 to $50,000 or more per night depending on the type of room, amenities, and level of service. For travelers on a budget, there are also guesthouses and hotels on local islands that offer more affordable options. It's recommended to research and compare prices and amenities before booking to find the best option for your budget and preferences.

Here are the average prices for the hotels and resorts I mentioned earlier:

• Soneva Fushi - Prices start at around $2,000 USD per night.
• Baros Maldives - Prices start at around $700 USD per night.
• COMO Maalifushi - Prices start at around $1,000 USD per night.
• Adaaran Club Rannalhi - Prices start at around $300 USD per night.
• Malahini Kuda Bandos Resort - Prices start at around $200 USD per night.

** REMINDER** : Please keep in mind that these are average prices and can vary depending on a number of factors, including the time of year, length of stay, and room type. Additionally, some resorts and hotels offer special packages or promotions that can affect the overall price.

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Sheraton maldives full moon resort & spa, how much does it cost for food when travelling to maldives.

The cost of food in the Maldives can vary depending on where you eat and what type of cuisine you choose. Generally, the resorts and hotels in the Maldives offer a range of dining options, including international cuisine, local dishes, and seafood. The prices for meals at these establishments can range from $20 to $100 or more per person per meal, depending on the level of luxury and the type of restaurant.

However, if you're on a budget, there are also local eateries and street food vendors that offer more affordable options. A meal at a local restaurant can cost around $5 to $15 per person. It's important to note that some resorts offer all-inclusive meal plans, which can be a convenient and potentially cost-effective option.

How much does it cost for souvenirs when travelling to Maldives?

• Local handicrafts such as wooden carvings, woven baskets, and coir ropes - prices range from $5 to $50 or more depending on the size and intricacy of the item.
• Shell and coral jewelry - prices range from $10 to $100 or more depending on the design and quality of the item.
• Maldives t-shirts and beachwear - prices range from $10 to $30 or more depending on the design and brand.
• Maldives postcards and fridge magnets - prices range from $1 to $5 depending on the design and quality.
• Local spices and teas - prices range from $5 to $20 depending on the type and quantity of the item.

** REMINDER** : Please note that these are average prices and can vary depending on where you purchase the items and whether you bargain or not. It's important to support local artisans and businesses when buying souvenirs and to avoid purchasing items made from protected species such as black coral and turtle shell .

How much does it cost for transportation when travelling to Maldives?

• Domestic flight - If you are traveling between islands in the Maldives, a domestic flight may be necessary. The cost can range from $100 to $500 USD per person, depending on the distance and airline.
• Speedboat - Many resorts and guesthouses offer speedboat transfers from the airport to their properties. The cost can range from $25 to $200 USD per person, depending on the distance and the type of boat.
• Public ferry - If you are traveling on a budget, public ferries are available between some islands in the Maldives. The cost is usually less than $5 USD per person, but travel time can be longer and schedules may not be as frequent.

How much does it cost for sightseeing when travelling to Maldives?

• Snorkeling - prices range from $30 to $100 or more depending on the location and duration of the tour. Some resorts and hotels also offer complimentary snorkeling equipment and guided tours.
• Island hopping - prices range from $50 to $150 or more depending on the number of islands visited and the duration of the tour. This is a great way to experience the diversity of the Maldives and explore different local communities.
• Sunset cruises - prices range from $50 to $200 or more depending on the type of boat and the length of the tour. This is a popular activity for couples and families, and it offers a beautiful view of the Maldives' stunning sunsets.

** REMINDER** : Please note that these are average prices and can vary depending on the specific tour operator, the time of year, and the size of your group. It's recommended to research and compare prices before booking to find the best option for your budget and preferences. Additionally, some resorts and hotels offer complimentary or discounted sightseeing

How much does it cost for WiFi & communication when travelling to Maldives?

• Wi-Fi: Many resorts and hotels in the Maldives offer complimentary Wi-Fi access to their guests, although the quality and speed of the connection may vary. Some properties may also charge a fee for premium Wi-Fi services or for using Wi-Fi in public areas. If you require a reliable and fast connection, you may need to purchase a local SIM card or a portable Wi-Fi hotspot.
• Local SIM cards : If you plan to use your mobile phone in the Maldives, you can purchase a local SIM card from one of the major telecom providers such as Dhiraagu or Ooredoo. The cost of a SIM card can vary but is generally around $10 to $20. You will need to provide your passport and some basic personal information to activate the SIM card, and you can then purchase data and calling plans as needed.
• International roaming : If you prefer to use your own mobile phone and plan to roam on an international network, be aware that the cost of data and calling can be very expensive. It's recommended to check with your mobile provider before travelling to the Maldives to find out what options are available and what the costs will be.

Overall, the cost of Wi-Fi and communication in the Maldives can add up, especially if you require fast and reliable access. It's important to plan ahead and research your options to find the best solution for your needs and budget.

How much does it cost for passport when travelling to Maldives?

If you're travelling to the Maldives, you will need a valid passport that's valid for at least six months from the date of arrival. The cost of a passport can vary depending on your country of citizenship and the type of passport you require (e.g. regular or expedited service).

In general, the cost of a new passport can range from $50 to $200 or more , depending on your country of origin. It's important to apply for a passport well in advance of your trip to ensure that you have all the necessary documentation and to avoid any unexpected delays or costs.

How much does it cost for insurance when travelling to Maldives?

Club Med Kani - Maldives

Here are some points about the cost of insurance when traveling to the Maldives:

• It is highly recommended to purchase travel insurance before traveling to the Maldives to protect yourself in case of unexpected events such as medical emergencies, trip cancellations, or lost luggage.
• The cost of travel insurance can vary depending on factors such as your age, length of trip, and coverage limits.
• On average, travel insurance for a one-week trip to the Maldives can cost between $50 to $150 USD per person.
• Some credit cards may offer travel insurance coverage, so it's worth checking if your credit card includes this benefit before purchasing additional coverage.
• When purchasing travel insurance, be sure to carefully review the coverage details and exclusions to ensure that it meets your needs and covers any activities you plan to participate in while in the Maldives.

How much does it cost for 2 nights & 3 days when travelling to Maldives?

Ayada Maldives

• Arrival at Malé International Airport
• Transfer to a local guesthouse on Hulhumalé island or nearby
• Check-in and relax on the beach
• Dinner at a local restaurant or guesthouse
• Estimated cost: $100-$150 for guesthouse accommodation, $40-$100 for dinner
• Breakfast at the guesthouse
• Half-day snorkeling tour to a nearby coral reef
• Lunch on the boat or at a local restaurant
• Afternoon visit to a nearby local island for shopping and sightseeing
• Estimated cost: $80-$150 for snorkeling tour, $10-$20 for lunch, $50-$100 for shopping, $40-$100 for dinner
• Transfer back to Malé International Airport for departure
• Estimated cost: $5-$10 for transfer to the airport
• Total estimated cost for two nights and three days: $300-$500

** REMINDER** : Please note that these are estimated costs and can vary depending on your travel style and preferences. It's recommended to research and compare prices for accommodation, activities, and transportation to find the best deals and options for your budget.

How much does it cost for family, couples or single when travelling to Maldives?

Hurawalhi Island Resort

• Family: The cost for a family trip to the Maldives can be higher due to the need for larger accommodations and activities suitable for children. Family-friendly resorts may offer special packages or discounts, but expect to pay anywhere from $300 to $1000 per night for a family room or suite.
• Couples: The cost for a romantic getaway to the Maldives can also vary depending on the level of luxury and privacy desired. Resorts offering overwater villas and private pools can cost upwards of $1000 per night, while more budget-friendly options may be available starting at around $300 per night.
• Solo: The cost for a solo trip to the Maldives can be similar to that of a couples' trip, depending on the type of accommodation and activities desired. Some resorts may offer single occupancy rates, while others may require a supplement fee. Budget-friendly options like guesthouses or hostels may also be available starting at around $50-$100 per night.

Overall, the cost of a trip to the Maldives can be high due to the remote location and the luxury offerings of many resorts. It's recommended to plan ahead and research your options to find the best deals and options for your budget and preferences.

Methods to save money when travelling to Maldives

• Travel during the low season (May-November) when prices are typically lower.
• Look for package deals that combine flights and accommodation for a better price.
• Consider staying at a guesthouse or budget hotel instead of a luxury resort.
• Book activities and excursions directly with local tour operators for better prices.
• Shop for groceries and snacks at local markets instead of eating out for every meal.
• Use public transportation or local ferries to get around instead of private transfers.
• Bring your own snorkeling gear instead of renting it at the resort.
• Book spa treatments during happy hours or special promotions for discounted rates.
• Look for discounts on travel websites or through credit card rewards programs.
• Avoid expensive activities like seaplane transfers and opt for speedboat transfers instead.
• By using these tips, you can enjoy a memorable and budget-friendly trip to the Maldives without breaking the bank

Tips for travelling to Maldives

• Weather : The Maldives has a tropical climate with two main seasons: the dry season (December-April) and the wet season (May-November). The weather is generally hot and humid year-round, with average temperatures ranging from 26-30°C (79-86°F).
• Clothing tips : Dress code is generally casual and lightweight clothing is recommended due to the warm climate. Swimwear is acceptable on the beaches and at resorts, but should be covered when walking around local islands or in public areas. It's also a good idea to bring a hat, sunglasses, and sunscreen to protect against the strong sun.
• Best time to go : The best time to visit the Maldives is during the dry season (December-April) when the weather is sunny and dry. However, this is also the peak season with higher prices and larger crowds. The shoulder season (May-July) and low season (August-November) can offer lower prices and fewer crowds, but there is a higher chance of rain and humidity during this time.
• Island-hopping : Consider visiting multiple islands during your trip to experience the local culture and cuisine. You can easily travel between islands using local ferries or private transfers.
• Snorkeling and diving : The Maldives is known for its world-class snorkeling and diving opportunities. Consider bringing your own gear to save money on rental fees and explore the stunning underwater world.
• Respect local customs : The Maldives is a Muslim country, and it's important to respect local customs and traditions. Avoid public displays of affection, dress modestly when visiting local islands, and refrain from drinking alcohol in public areas.

By following these tips, you can have an enjoyable and respectful trip to the Maldives while experiencing the best of what this beautiful island nation has to offer.

Is it safe to travel to the Maldives?

Yes, the Maldives is generally a safe destination for travelers. However, it's always important to take common safety precautions like securing your belongings and being aware of your surroundings.

Do I need a visa to visit the Maldives?

Most visitors to the Maldives do not require a visa if they are staying for less than 30 days. However, you will need a valid passport with at least six months validity and a return ticket.

What is the currency used in the Maldives?

The currency used in the Maldives is the Maldivian Rufiyaa (MVR), but US dollars and Euros are also widely accepted at most resorts and tourist areas.

Can I drink alcohol in the Maldives?

Alcohol is not widely available on local islands due to the country's Muslim culture. However, most resorts and private islands have bars and restaurants that serve alcohol to guests.

What is the best way to get around in the Maldives?

The best way to get around in the Maldives depends on your destination and budget. Local ferries and public transportation are the most affordable options, while private transfers and seaplane transfers are faster but more expensive. Many resorts and guesthouses also offer airport transfers for guests.

Exploring the Expenses: Maldives Travel Cost

• 1. How much does it cost for flights when travelling to Maldives?
• 2. How much does it cost for hotels when travelling to Maldives?
• 3. How much does it cost for food when travelling to Maldives?
• 4. How much does it cost for souvenirs when travelling to Maldives?
• 5. How much does it cost for transportation when travelling to Maldives?
• 6. How much does it cost for sightseeing when travelling to Maldives?
• 7. How much does it cost for WiFi & communication when travelling to Maldives?
• 8. How much does it cost for passport when travelling to Maldives?
• 9. How much does it cost for insurance when travelling to Maldives?
• 10. How much does it cost for 2 nights & 3 days when travelling to Maldives?
• 11. How much does it cost for family, couples or single when travelling to Maldives?
• 12. Methods to save money when travelling to Maldives
• 13. Tips for travelling to Maldives

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Travel Better, Cheaper, Longer

The Maldives Travel Guide

Last Updated: August 17, 2023

The Maldives is one of the most sought-after luxury destinations in the world, conjuring images of lavish resorts and jet-set honeymooners lounging in beachfront villas and swimming in sapphire waters. While the Maldives is home to all of those things and is known as a luxe destination for splashing out, it’s also possible to visit here without entirely breaking the bank.

Located in the Indian Ocean, this remote country of 1,192 islands and 26 coral atolls is bursting with world-class diving and snorkeling. There are a plethora of opportunities to explore outside the hotel resort bubble and take in the beautiful remoteness of this tropical paradise. Thanks to a greatly improved boat transfer system and the opening up of independent guesthouses, the Maldives is evolving into a (slightly more) budget-friendly vacation spot.

This travel guide to the Maldives can help you plan your trip, save money, and make the most of your time in this gorgeous tropical getaway!

Table of Contents

• Things to See and Do
• Typical Costs
• Suggested Budget
• Money-Saving Tips
• Where to Stay
• How to Get Around
• How to Stay Safe
• Best Places to Book Your Trip
• Related Blogs on the Maldives

Top 5 Things to See and Do in the Maldives

1. Explore Malé

The Maldivian capital, while small, has plenty of things to see and do. Seet the country’s 17th century mosque (Hukuru Miskiiy) and get a historical overview of the country at the National Museum. Be sure to grab a coffee and watch the world go by in one of the charmingly chaotic cafes too.

2. Go diving

The Maldives is one of the best diving destinations in the world. See hammerheads in Rasdhoo Madivaru (aka Hammerhead Point) or free dive with whale sharks. There are also lots of mantas and sea turtles here too. Single-tank dives start at 775 MVR.

3. Relax on the beach

Outside the private resorts, Omadoo (on the South Ari Atoll) and Ukulhas Island (on the Alif Alif Atoll) are two of the best beaches in the country. Manadhoo is another great place too. Just make sure you’re on a designated ‘Bikini Beach’ (a beach specifically for westerners).

4. Enjoy the food

The seafood here is beyond delicious and incredibly fresh. Most of the restaurants in Malé offer outdoor dining areas. Some of the more popular places to go include The Seagull Café, Symphony, Royal Garden Café, and Irudhashu Hotaa (for quick meals).

5. Do some watersports

Banana boats (inflatable boats pulled behind a speedboat), parasailing, water skiing, jet skiing, snorkeling, and kayaking can all be found here. Prices range from 380 MVR for snorkeling to 2,000 MVR per person for tandem parasailing.

Other Things to See and Do in the Maldives

1. treat yourself to a spa day.

Even when you’re on a modest budget, it’s wonderful to indulge in an extra dose of R&R. Expect to pay at least 1,000 MVR for a 30-minute massage. Some of the larger hotels offer discounts for early-morning/late evening bookings so inquire with your hotel, Airbnb host, or guesthouse to find out about deals.

2. Go fishing

Seafood is an integral part of Maldivian cuisine. Most hotels and guesthouses rent poles, bait, and provide a guide for around 775 MVR. Skipjack and yellowfin tuna, wahoo, mahi-mahi, bigeye scad, and mackerel scad are all commonly found here. If you’re an experienced angler, some of the best game fishing in the world can be done here. Expect to pay at least 3,000 MVR for a half-day shared charter.

3. Snorkel in the Baa Atoll

The Baa Atoll is a 1,200-square-kilometer (463-square-mile) UNESCO Biosphere Reserve brimming with manta rays and whale sharks. On a clear day, you can see them swarming below the surface. It’s only a five-minute boat ride from Dharavandhoo Island but visiting the area is strictly regulated and there is an 80 person capacity so as not to disrupt the precious ecosystem. Admission is around 550 MVR, which gives you 45 minutes in the water and a certified snorkel guide. Profits go towards the Baa Atoll Conservation Fund.

4. Tour the National Art Gallery

Established in 1999, there’s no permanent gallery here so be sure to check the website in advance as the space is left empty if there is no visiting exhibition on display. The temporary exhibitions at the gallery, which range from traditional paintings and local textiles to international modern artists, are well worth a visit.

5. Dive the Maldive Victory

In 1981, this 100-meter-long (328-foot) cargo ship hit a reef and sank. It’s now an incredible dive site for experienced divers. Resting between 15-31 meters (50-100 feet) below the surface, there are strong currents here that keep the tropical fish flowing through the shipwreck — but they also make it a challenging dive site. There are all kinds of coral, fish, and sponges here. It’s accessible all year around.

6. Visit the Malé Fish Market

Come here and catch a glimpse of Maldivians living out their daily routine in the commercial center of Malé. Select a fish (if you can muster your way through a purchase as most fishermen don’t speak English) and have it cooked at your guesthouse for dinner.

7. Wash up on a sandbank

These tiny mounds of sand in the middle of the Indian Ocean are the closest you can get to feeling like you’re on your own private island. Private trips can be arranged to any one of the hundred different banks dotted around the islands (many of which are attached to/affiliated with resorts). Tours usually last 2-3 hours and cost 900 MVR.

8. Skip Maafushi

Maafushi, once a sleepy little island, is now the victim of uncontrolled development. There are hotels going up left and right, boats making frequent trips to Malé to pick up tour groups, and an increasingly-crowded and overbuilt beach. The few restaurants on the island cater mostly to tourists and outside the area cleaned up for visitors, it’s one trash-covered dump. Skip it!

9. Do all the watersports

Diving and snorkeling to see the life under the water is what the Maldives are famous for but there’s plenty more to do. Most resorts have kayaks, paddleboards, and paddle boats that you can borrow for free. Others offer surfing, windsurfing, and kitesurfing packages for both beginners and experienced surfers (May-October is the best time for this). Then you’ve got things like banana boating, tubing, jet skiing, sailing, parasailing, and flyboarding which are all also often available.

10. Stay on a local island

Most people stay in the high-end resorts when they go to the Maldives but there’s so much more to the islands than this. Local islands give you the chance to get to know the Maldives as a country rather than just seeing a resort and a ton of biodiverse marine life. The local islands are where you can find guesthouse accommodation which is cheaper, and there is more variety in terms of tour operators, restaurants, and other things to do. Fulidhoo, Ukulhas, Rasdhoo, and Thinadhoo and some of the most popular choices. Generally speaking, the further away from the capital you get the more laid-back and quiet the islands are.

Maldives Travel Costs

Accommodation – Private rooms at guesthouses are going to be your cheapest option in the Maldives, with prices starting around 625 MVR per night.

Resorts start at 6,000 MVR per night (not including the private speed boats or seaplane transfers you need to arrive there). They can cost upwards of 30,000 MVR a night, making this an ideal place to use any hotel points you have saved up.

Airbnb is available around the islands with private rooms starting at 700 MVR, though 1,200 MVR is more common. For an entire home/apartment, prices start at 1,500 MVR but can go as high as 6,000 MVR or more! Entire homes/apartments are far less common so be sure to book in advance if you prefer one.

Wild camping isn’t possible as all land around the islands is owned. Your only real camping option is to ask to pitch a tent in someone’s back yard, however, this isn’t a reliable solution so skip camping here.

Food – Traditional cuisine in the Maldives is based on fish, coconuts, and rice. Tubers like taro and sweet potatoes are also common staples. Aside from all kinds of fish and seafood soups and stews, be sure to try favorites such as gulha (fried fish filled dough balls), kuli (spicy fish cakes), and dessert treats like bondi bai (Maldivian rice pudding).

Most traditional meals cost less than 70 MVR at casual local restaurants though most resorts and hotels include meals since restaurants here are rare.

For a three-course meal of traditional food at a budget-friendly hotel, expect to pay around 300 MVR with a drink.

Alcohol is generally prohibited but can be found at the more luxurious resorts. Expect to pay a premium for it: beer costs upwards of 125 MVR while cocktails are double that. A latte or cappuccino costs 35 MVR while a bottle of water is 5 MVR.

If you’re looking to cook your own food, make sure you stock up at the STO trade center in Malé. Shopping here can save you a little extra money, especially if you are staying somewhere with a kitchen. Prices here are often more competitive than street vendors and there is a great assortment of fresh fruits, vegetables, and other daily essentials.

For a week’s worth of staples like rice, produce, and seafood, expect to pay around 700 MVR.

Backpacking the Maldives Suggested Budgets

If you are backpacking the Maldives, my suggested budget is 1,100 MVR per day. This assumes you’re staying in a budget guesthouse, cooking all of your meals, not drinking alcohol, taking public ferries to get around (but mostly sticking to one island), and doing free and cheap activities like snorkeling and relaxing at the beach.

On a mid-range budget of 4,300 MVR, you can stay in a budget hotel or private Airbnb, eat out for most of your meals, take some guided tours, go diving, do some water sports, visit a couple of islands, and take the occasional private water taxi to get around.

On a “luxury” budget of 9,500 MVR or more per day, you can stay in a hotel, drink alcohol, eat out for all your meals, island-hop, and do more activities and guided excursions such as fishing charters and parasailing. This is just the ground floor for luxury though. The sky is the limit!

You can use the chart below to get some idea of how much you need to budget daily, depending on your travel style. Keep in mind these are daily averages – some days you’ll spend more, some days you’ll spend less (you might spend less every day). We just want to give you a general idea of how to make your budget. Prices are in MVR.

Maldives Travel Guide: Money-Saving Tips

The Maldives is a challenging place to save money so non-resort travel is fairly new to the country. There are only a few things you can do to lower your budget here:

• Bring plenty of cash – Though the Maldives has its own currency (MVR), US dollars are widely accepted — and you often get a better price if you pay in USD. This varies from one restaurant or shop to another, so carry both and pay with whatever gives you the best rate. There are only ATMs in Malé.
• Bring a reusable water bottle – The tap water here is not safe to drink so make sure you have a reusable bottle with you. To stay safe, bring a water filter like LifeStraw to ensure your water is clean and free from bacteria. It saves you money and saves the environment too!
• Island hop by ferry – The Maldives’ islands are served by a series of ferries from Malé. They run on opposite days (to Maafushi on Monday, back to Malé on Tuesday) and rarely on Friday (the Muslim sabbath). You can jump from Malé to an atoll’s capital island then to smaller, nearby islands in the chain. Ferries cost between 55-150 MVR depending on the distance. Plan ahead and research the ferries beforehand so you can avoid paying for a private speedboat.
• Consider all-inclusive packages – The taxes and import fees on food and drink means that you really don’t have many restaurants to choose from. Some hotels offer great rates which include food, drinks, and even premium amenities such as watersports, free yoga classes, or spa treatments.
• Use a travel agent for resort stays – This might seem counterintuitive for a budget traveler but agents who specialize in Maldives travel often have access to better deals than you can find on the internet. Their prices generally include speedboat or seaplane transfer costs and you may even find that you get upgrades on arrival.
• Book in advance – While most budget travelers figure out their plans on arrival, booking in advance has several benefits. For starters, Airbnbs, guesthouses, and hotels can get booked up in peak seasons so your options may be limited. If you have booked in advance, your hotel or friendly villa/guesthouse owner can help facilitate transfers and arrange activities.

Where To Stay in the Maldives

Hostels are virtually non-existent in the Maldives so people on a budget mostly stay in guesthouses and small hotels. Here are a few suggestions to help you get started and save money:

• Dream Inn (Thulusdhoo)
• Sands Exotic Hotel (Thulusdhoo)
• Hanifaru Transit Inn (Dharavandhoo)

How to Get Around the Maldives

Boat – The unreliable but reasonably-priced public ferry is a no-brainer for independent travelers, with ferries starting at 55 MVR depending on the route. If you’re looking to visit an island farther away from Malé, you need to do some island hopping via the ferry system. This might require you to stay overnight on an island along the way as the ferries do not run daily or regularly. Most ferries also do not run on the weekends.

Many of the islands further afield can only be accessed by private boat or plane. Check the ferry schedule well in advance and plan accordingly (I didn’t and it threw off my whole itinerary).

The island ferry schedule can be found here .

Private speedboats cost around 385-1,500 MVR per person depending on the distance from Malé.

When to Go to the Maldives

The Maldives is a year-round destination with temperatures hovering between 23-31°C (74-89°F). The high season runs from December to April, when airfare and hotel prices increase dramatically (especially around Christmas, New Year, Chinese New Year, and Easter). Book in advance if you want to visit during this period.

Don’t be too nervous about booking during the monsoon period, which runs from May to October. You can enjoy fewer crowds, better rates, and plenty of sunny days in between the few-and-far rainy spells.

Diving is spectacular throughout the year. For other watersports, such as surfing, the best breaks are from mid-February to November.

How to Stay Safe in the Maldives

The Maldives is an incredibly safe destination for tourists. Keep an eye on your belongings in public areas in Malé, which is more prone to petty crime (although at a very low level). On the other islands, especially the resort-focused islands, it’s highly, highly unlikely anything is going to happen to you or your stuff. That said, it’s always a good idea to avoid leaving any valuables on the beach while you swim.

Solo female travelers should feel safe here, though the standard precautions apply (always keep an eye on your drink when out, never walk home alone at night, etc.)

With the exception of the 2004 tsunami, large-scale natural disasters are rare. However, climate change has led to an uptick in increased rainfall, storm surges, and minor coastal floods. Make sure you have travel insurance when you visit.

Respect the Muslim customs by adhering to dress codes, especially in the capital, where resort wear isn’t common. Do not drink alcohol outside your resort as fines are possible.

While scams here are rare, you can read about common travel scams to avoid here if you’re worried about getting ripped off.

If you experience an emergency, dial 119 for assistance.

Always trust your gut instinct. Make copies of your personal documents, including your passport and ID. Forward your itinerary along to loved ones so they’ll know where you are.

The most important piece of advice I can offer is to purchase good travel insurance. Travel insurance protects you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. You can use the widget below to find the policy right for you:

Maldives Travel Guide: The Best Booking Resources

These are my favorite companies to use when I travel. They consistently have the best deals, offer world-class customer service and great value, and overall, are better than their competitors. They are the companies I use the most and are always the starting point in my search for travel deals.

• Skyscanner – Skyscanner is my favorite flight search engine. They search small websites and budget airlines that larger search sites tend to miss. They are hands down the number one place to start.
• Hostelworld – This is the best hostel accommodation site out there with the largest inventory, best search interface, and widest availability.
• Booking.com – The best all around booking site that constantly provides the cheapest and lowest rates. They have the widest selection of budget accommodation. In all my tests, they’ve always had the cheapest rates out of all the booking websites.
• Get Your Guide – Get Your Guide is a huge online marketplace for tours and excursions. They have tons of tour options available in cities all around the world, including everything from cooking classes, walking tours, street art lessons, and more!
• SafetyWing – Safety Wing offers convenient and affordable plans tailored to digital nomads and long-term travelers. They have cheap monthly plans, great customer service, and an easy-to-use claims process that makes it perfect for those on the road.
• LifeStraw – My go-to company for reusable water bottles with built-in filters so you can ensure your drinking water is always clean and safe.
• Unbound Merino – They make lightweight, durable, easy-to-clean travel clothing.
• Top Travel Credit Cards – Points are the best way to cut down travel expenses. Here’s my favorite point earning credit cards so you can get free travel!

Maldives Travel Guide: Related Articles

Want more info? Check out all the articles I’ve written on backpacking/traveling the Maldives and continue planning your trip:

My In-Depth Guide to Experiencing the Maldives on a Budget

How to Spend a Week in the Maldives for Less Than a Night in a Resort

Get my best stuff sent straight to you, pin it on pinterest.

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Travel Insurance for the Maldives

Travelling to the Maldives for a much-needed getaway? Compare your travel insurance options with Savvy.

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Whether you’re wanting to relax on a golden, sandy beach or soak up some of the tropical culture and sights, it’s always important to have peace of mind when you’re travelling to the Maldives. If you’re searching for the right travel insurance cover for your next international journey, Savvy can point you in the right direction.

By comparing with us, you can find a policy which offers you the right protection, whether your flights are delayed, your luggage goes missing or you fall ill while overseas. We provide instant quotes from our partners, so you can consider their pros and cons and compare the cost of each policy. Before you take off overseas, compare your travel insurance options with Savvy today.

Do I need travel insurance for a holiday to the Maldives?

You don't necessarily ‘need' international travel insurance if you're taking a trip to the Maldives. However, it's strongly recommended that you purchase a policy before you jet off on your Asian holiday , whether you want to pay a visit to the bustling fish markets or take a tour of the national museums.

The Maldives is the clear option for a once-in-a-lifetime vacation with its unparalleled luxury, breathtaking white-sand beaches and fascinating underwater environment. However, there are still dangers lingering for tourists and visitors to look out for, so it's paramount you compare with Savvy and get the best travel insurance before leaving.

If you’re eager to experience all of what the Maldives has to offer, some of the incidentals to watch for include:

• Drugs: in Malé and other major cities, crime and violence stemming from drug use is a serious problem. Unfortunately, theft of little value is common on beaches and in hotel rooms. Put your possessions away safe and sound. Keep an eye on the news in the area to stay ahead of any dangerous places.
• Protests: protests and demonstrations occur often in the capital city of Malé. It just takes one aggressive person to make a peaceful protest violent. As a result, they may cause delays in vehicular and public transit. Keep away from areas embroiled in protests.
• Natural disasters: around the middle of May to late November is considered to be the monsoon season. Storms may bring high winds, high waves and heavy rain. Tsunamis are another possibility. Don't lose touch with your loved ones and follow advice from local officials.
• Diseases: Zika virus, dengue fever and chikungunya may be spread through mosquito bites. Put on some repellent if you don't want to be eaten alive. Strong tides: tides near the Maldives may be rather powerful. Make sure you're being safe.

What’s covered by my travel insurance for my holiday to the Maldives?

One of the reasons you need travel insurance is to protect you if you become ill or injured while travelling, lose your things, or suffer flight cancellations or delays. Some of the benefits of travel insurance include:

• Overseas medical bills: if you want peace of mind in case you become sick or hurt in the Maldives and need medical assistance, buying travel insurance is a wonderful option.
• Evacuation or repatriation: you may need medical evacuation back to Australia if you are in a critical condition due to illness or injury due to the varying condition of the hospitals. Emergency medical care and decompression chambers are scarce. Getting to a hospital may also be a time-consuming process. Medical evacuation is necessary in the event of illness or injury and there is the potential for significant costs if this occurs. Luckily, your insurer can pay for your evacuation and repatriation, including if you need to disembark a cruise ship, which may cost up to $100, 000 without insurance.
• Cancellation: many travel insurance carriers may refund pre-paid deposits on hotels, flights, or excursions if you cancel your trip due to a covered occurrence. Illness, injury, or a sick or dying family member are among the valid reasons for cancelling a trip.
• Lost, stolen or damaged bags: most insurance providers will compensate or replace lost, stolen, or damaged baggage up to an agreed claim amount, which can reach up to $15,000.
• Individual items: taking a mobile phone or laptop on your overseas or domestic getaway? Many insurance plans offer sub-limits for lost, damaged, or stolen property.
• Travel delays: most travel insurance coverage hotel, food, and other expenses if your flight is delayed longer than 24 hours. This includes delayed luggage owing to a delayed airliner. Most insurers have limits on how much you can claim if your travel arrangements are delayed.
• Personal liability: legal issues abroad may be costly. If you're held directly accountable for damage or injury, most companies may cover you up to $5 million.
• Accidental death: if you die overseas in a covered accident, your insurance company can repatriate your remains. They may pay up to $25,000 for funeral or cremation fees.
• Optional extras: planning to scuba dive in the waters off Maafushi or kayak through the crystal-clear ocean? Most travel insurance plans don't cover these activities automatically, but they do offer supplementary coverage for an added premium.
• Pet cover: if your return home is delayed due to sickness or travel disruptions, your travel insurance can cover the additional boarding costs for your pet.

However, most travel insurance companies won’t cover you for the following incidentals:

• Unapproved pre-existing medical conditions
• Lost personal items left unattended
• Breaking local laws and road rules
• Travelling for medical tourism
• Accidents caused by drug or alcohol use
• Travelling to a country against Australian government advice

What factors should I consider before buying travel insurance for a trip to the Maldives?

It might be difficult to figure out which policy provides the most beneficial coverage for your next trip to the Maldives. However, by comparing with Savvy and getting a few travel insurance quotes, you may be able to make the experience of searching for the perfect policy a whole lot easier.

Premium cost

It is, of course, in your best interest to keep your insurance premium costs to a minimum. To avoid overpaying for your travel insurance, it is crucial to shop around and get the best possible policy at a price that works for you. If you’re a senior over 65 and planning a trip to the Maldives, you’ll likely be paying a higher premium based on your age, so it will be worth shopping around to find the best seniors' travel insurance policy.

The type of policy you need

Numerous options exist for travel insurance, whether you're looking for single-trip, annual or one-way cover, so it’s important to consider your travel requirements. For example, if you’re travelling to the Maldives but also taking a holiday to Mexico within the year, it might be good to find a multi-trip policy may be more suited to you than single-trip. Take a look at your itinerary, think about how often you’ll be flying and compare it with Savvy so you can get the best insurance for your trip.

What you’re doing in the Maldives

Carefully consider which insurance company provides the greatest value and level of protection if you’re looking to partake in high-risk pursuits before signing up. If you’re planning to parachute jump over the Maldives or ride a motorcycle through the streets of Maale, make sure you get a policy that covers you.

Claim limits

In most cases, the amount you may claim from your overseas travel insurance policy will be capped. Check if these limits are enough for your trip and the items you want to take with you by doing a side-by-side comparison of several brands with Savvy. For example, most comprehensive policies allow you to claim up to $7, 500 if you lose your luggage or have it damaged while on holiday, compared to some other providers who only let you claim $3, 000.

Inclusions and exclusions

When searching for the best international policy for your trip to the Maldives, make sure you opt for a policy that best suits your needs. Before settling on one choice, do your homework and weigh what's included and what isn't. For example, a pre-existing condition you suffer from may not be automatically included under one policy, while it could be covered by a competitor.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Top tips for saving on your travel insurance to the Maldives

Combine policies.

You can get group policies from providers covering you and your partner, your extended family, and even your children or grandchildren. Most travel insurance providers allow you to include up to 25 people under the same policies, which, if the costs are divided among the travellers, can save you money.

Consider increasing your excess

You can take out cheaper travel insurance by increasing the excess you're willing to pay if you need to file a claim. A higher excess can help you save money in the long term, but it shouldn't be so high that it causes you financial hardship to pay it.

Only pay for what you need

There's no point paying for cover you're not going to use, whether you’re travelling for business or leisure. Before you purchase a travel insurance policy, read the PDS and make sure you aren’t paying extra for add-ons such as rental car hire or cruise coverage if you don't have any intentions of either hiring a car or sailing across the international seas.

Compare your travel insurance options

Using Savvy to help you decide lets you easily see which provider gives you the best travel insurance coverage for the lowest price. You can compare policies side by side so you can weigh what's included, what's not included, the price of your premium, and any other essential factors.

Frequently asked questions about travel insurance for the Maldives

Yes – most travel insurance policies cover any COVID-19-related expenses, such as medical treatment while you’re in the Maldives and the need to cancel your holiday if you test positive before you leave. However, cancellation due to COVID-19 isn’t usually available on basic policies. The risk of testing positive for COVID-19 is still quite high if you’re travelling to the Maldives as of October 2022, so it’s best to wear a mask when possible if you’re worried about contracting the disease.

Yes – you can buy travel insurance online if you’re already wheels up and headed to the Maldives for your holiday. You won’t need much to take out travel insurance, only the details of your trip and some other important information. You’ll be afforded the exact coverage you would usually get if you purchased before departure. However, these policies have waiting periods of between 48 and 96 hours. This means that if you suffer a claimable incident inside this period, you won’t be able to make a claim.

Most people in the know will tell you the best time to purchase your travel insurance is when you know your travel dates. That allows you to be covered for the maximum amount of pre-paid bookings, such as those for hotels or tours if something unforeseen happens and you need to call off your holiday. There are also often sales on around holiday periods, such as Easter, Christmas and the End of the Financial Year, which means you could snap up a policy at a discount.

When you do it online, claiming on your travel insurance is a pretty easy process. When you go to your insurance company's website, enter your policy number and the email address that goes with it. From there, you can do the following:

• Fill out your claim form with plenty of detail
• Attach any documents, such as receipts, medical evidence, or proof of purchase
• Submit your claim

  The majority of the time, you should hear back from your travel insurance company within about ten business days. It's best to quickly answer any requests for more information to avoid slowing down the process.

There’s no average cost of travel insurance per se. instead, the price of your premium for a trip to the Maldives will be determined by a range of interchangeable variables, including:

• The length of your trip and destinations
• Whether you suffer any pre-existing conditions
• If you need optional extras, such as adventure sports cover
• The insurance company you’ve chosen
• The level of cover you have purchased
• What part of the Maldives you’re travelling to (for example, you may not be able to receive cover if you’re travelling somewhere experiencing a natural disaster or terrorism event)

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Disclaimer: We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

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• Travel Tips

Cost of Traveling to the Maldives in 2024: Budget Guide

The cost of traveling to the Maldives can go from as little as $1200 up to $5000 per person. Learn about, prices, tours, packages and more!

February 5, 2024

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It can be difficult to plan and budget for any trip, you may not know about prices and costs, especially in other currencies. Today, we’ll provide you with a comprehensive guide on how to break down the cost of traveling to the Maldives. Get pen and paper ready!

A Trip to Maldives Costs

The cost of traveling to the Maldives is made up of several factors, and essentially, everything is an additional dollar. We’ll divide expenses into the most crucial categories, with approximate prices and rates. The more amenities you want included, the higher the price, and depending on the time of year.

Flight Costs

For travelers from the USA, UK, and Australia, flight expenses can be pretty hefty. Check the table below for price ranges from different parts of the world as point of departure:

Hotel and Lodging Costs

Booking accommodation when traveling to the Maldives can be tricky, given that resorts are the most common types of lodging options and the cost can vary based on the class of accommodation. The rates can range from basic to luxury. Here’s a general price range for different types of lodging:

• Basic Resort: $150 – $300 per night
• Medium Resort: $300 – $600 per night
• Luxury Resort: $600 – $1500 per night

Food and Entertainment Costs

Depending on where you stay and how long, costs for food and entertainment can vary. Some resorts offer all-inclusive, which comes with all 3 meals. Others may only offer breakfast. Keep in mind the following approximate ranges:

• Daily: $50 – $100
• Weekly: $300 – $600
• Fortnight: $600 – $1200

Peak Season vs. Shoulder Season: Maldives Vacation Costs

Understanding the differences in costs between peak and shoulder seasons is a pillar for budget planning. We’ve provided some insights in the table below to give you an idea of the overall costs and comparison between peak and shoulder season, per night. Additionally, consider the pros and cons of traveling during each season :

Activities & Tours: Packages for All Budgets

Purchase tours and packages to save big on cost while traveling to the Maldives. These options generally come included with transportation, a guide and even food and refreshments so that you don’t have to buy individually, which would be more expensive.

Take a look at a few package examples for different budgets, accommodation and transportation. Some travel agencies and companies may allow you to build your own tourist package, so do some research before you decide to head off.

• Exploring Paradise Maldives:
• Duration: 6 nights
• Accommodation: Overwater bungalow
• Meal Plan: Breakfast and dinner
• Transportation: Speedboat transportation
• Activities: Go snorkeling, dolphin watching and more!
• Cost: Starting from $3,500 per person
• Romance Package:
• Duration: 8 nights
• Accommodation: Private beach villa with a jacuzzi
• Meal Plan: All-inclusive
• Transportation: Seaplane transportation
• Activities: Watch the sun set on a cruise, get a relaxing spa treatment and enjoy private dining
• Cost: Starting from $6,000 per person
• Maldives Adventure Plan:
• Duration: 10 nights
• Accommodation: Guesthouse and mid-range resorts
• Meal Plan: Breakfast included
• Transportation: Domestic flights and speedboat transfers
• Activities: Scuba diving, snorkeling, island hopping
• Cost: Starting from $2,800 per person
• Experience Living like a Local:
• Duration: 5 nights
• Accommodation: Stay with a local family on an inhabited island
• Transportation: Public ferry transfers
• Activities: Cultural experiences, local island tours
• Cost: Starting from $1,200 per person

How Much is the Vacation Cost to the Maldives?

Whether it’s going on a family vacation or traveling alone, the duration, type of accommodation and included perks all add up. Knowing how many people will be in your travel group may be a first step to getting costs approximation. On the summarized chart below, you can pinpoint an estimate on your costs.

Internet in the Maldives

Staying connected in the Maldives is vital for you to let relatives back home know that you’re safe, but best of all, show them all your adventures! There are different methods to use, similar to those thinking about using an eSIM with a fast and reliable connection while traveling in Singapore or another option to use in the country.

Essential Tips to Save at the Maldives

There are several ways you can save while in one of the most beautiful places on earth. Consider the following tips and avoid spending more than your budget.

• Prices are lower during the low season
• Pack light and comfortable clothing and avoid buying more
• Consider shared lodging or even staying with a local family
• Look for budget-friendly activities
• Remember to get travel insurance in case of unforeseen situations
• Stay safe and aware to avoid expensive accidents
• Get an eSIM to easily connect to the internet while in the Maldives

With all this information, you’re ready to plan your next trip to the Maldives! Go on a solo trip and enjoy the relaxation and freedom. Go with friends or family and build memorable experiences. Whatever you decide, make sure you capture those memories and show then online!

With the Holafly eSIM for the Maldives, you’ll get some excellent perks such as connecting as soon as you land, 24/7 customer service, and you even buy the virtual SIM from anywhere, anytime! Plan your travels, pack your bag and get ready for excitement! Additionally, if you go to other nearby destinations such as Australia, you can also use the Holafly Australia eSIM to stay connected.

Frequently Asked Questions

It all depends on your preferences; where to stay, where to eat and how to get around. However, a basic budget is around $1200 per person for a week, without airfare.

Depending on your budget, plan for at least $700 per person for excursions, eating out and getting around!

Flights range from $800 to $1500 depending on the season and departure location.

You can get a local SIM card, rent a pocket WiFi modem, or even use your home cellular plan. There’s also the eSIM where you connect as soon as you land!

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Is Maldives Expensive? Travel Cost + Tips To Travel On A Budget

A trip to the Maldives can be compared to a trip to other island nations such as Bora Bora and Seychelles and is a bucket list trip that most of us would love to do at least once in our lives.

The Maldives is made up of some 1,192 local islands in the middle of the Indian Ocean. The islands make up a double chain of 26 different atolls and run a length of 871 kilometers from north to south.

Of the 1,192 local islands, only 187 of them are inhabited islands leaving 1,005 uninhabited islands. The marine ecosystem is pristine and is home to countless species which makes scuba diving one of the most popular tourist attractions in the Maldives along with fishing, surfing, and of course, hanging out at a paradise island resort.

As you can see, there are countless reasons to go on a trip to the Maldives but we are here to answer the question, is the Maldives expensive? We will run through loads of different Maldives costs so you can work out how much you will need for a relaxing vacation and give you some tips on how to see the Maldives on a limited budget.

How Much Is the Cost on Average to Travel to the Maldives?

The average cost of a trip to the Maldives depends on one main thing, whether you are spending your time on local islands or planning to stay in one of the luxury resorts on the resort islands.

A trip to a resort island is going to add a ton to your Maldives cost and resort islands can vary in expense from $3500 a week to over $15000 a week per person, depending on the level of luxury you want to have during your trip to the Maldives.

In comparison, if you are staying on local islands in local guest houses, your costs drop dramatically. Let’s take a look in more detail.

Average Costs Staying On Resort Islands

You can easily stay at one of the resort islands for around $1,070 per night for two people, and while this won’t be at one of the most luxury resorts in the Maldives, you are still going to get the true Maldivian experience the resort hotels are known for.

This price is all inclusive meaning you get your food and soft drinks in the price but alcohol and activities will have to be added. Overall, you can do a trip to the resort islands for around $600 per person per night.

Average Costs Staying On Local Islands

Staying on the inhabited islands will lower your Maldives cost considerably as staying in most guesthouses will only cost you up to around $60 a night and be as affordable as $25 a night, plus guests usually get a free breakfast included too.

You will have to pay for everything extra though from lunches to dinners along with transportation, sightseeing, and any activities like scuba diving and fishing trips. Overall, the average Maldives cost when staying on a local island is around $100 per day per person.

Are Flights to the Maldives Expensive?

Whether you are traveling to a resort island or a local island, you are still going to have to fly to this rather luxury destination, and being able to book cheap flights can take a large dent out of your cost to travel. So, how much does it cost to fly to the Maldives?

Well, as all travelers will know, flight prices change dramatically depending on when you are booking, how early in advance you book your flight tickets, and where your flights will be departing from.

When traveling from Europe or North America, you should expect to be paying around $1000 on average for your flight. But you can get flight tickets for close to $500 when flying out of season in say May/June or October/November, if you book in prime season and at late notice, flights can skyrocket to close to $2000.

The cheapest plane tickets to the Maldives originate in Asian hubs like Kuala Lumpur, Qatar, Oman, and Sri Lanka too. You can find round-trip flights to the Maldives from these hubs for less than $300 return, which is awesome for those of you who live there.

If you are traveling from North America or Europe, why not combine the trip with say a week in Sri Lanka? You will get much better value for money for your round-trip flight and accommodation in Sri Lanka is much cheaper than in the Maldives too.

Is Hotel/Resort Accommodation in the Maldives Expensive?

The cost of staying in a hotel can vary dramatically depending on whether you want to stay on a resort island or a local island, and it depends a lot on the level of luxury you are looking for during your stay on the Maldives islands.

A hotel room in the fancy resorts or hotels for example usually starts at $1000 a night and these are at the high-end resorts such as Baros where you get to spend your time on a private island luxury resort. You will be treated like royalty at one of these resorts but $1000 per night is only the cheapest option, you can spend a lot more if you want to.

Mid-range resorts in the Maldives that are also on private islands will start at around $250 per night per person and run up to $350 per night. Again, these are the costs for the most standard room they offer and can easily cost a lot more depending on how luxurious you want your experience to be.

Budget-Friendly Options

If you want to experience the Maldives on a small accommodation budget then you will be happy to hear that this is a very doable option. You won’t be staying on a private island when you visit the Maldives though, but you will most certainly experience paradise with a bit less luxury.

With a quick search on Airbnb, you will find a load of different hotels, villas, guesthouses, and rooms you can rent for very affordable prices. These usually range between $25 and $100 per night and are therefore much cheaper than staying in the resorts.

If staying locally doesn’t appeal to you, you can find great hotels to stay at on the local islands. A 3-star hotel on Male set on stunning white sand beaches, for example, will cost between $60-$100 a night and you will still get to see this dream destination and experience all the beauty it has to offer.

Levels Of Luxury

If you do decide to stay at a resort on one of the private islands then you should be aware of the huge price differences when it comes to your accommodation options.

Overwater bungalows are famous in the Maldives and if you want to stay in an overwater bungalow with a private pool or hot tub, the price is going to be around $2000 a night.

Naturally, water villas are the most expensive options but you can book a beach pool villa, not a water villa, for around $1000 per night.

As you can see, you can scale up the luxury as much as you can when you visit the Maldives as it has a tourism industry that is dedicated to giving visitors these kinds of amazing experiences where money is no object.

You can also opt for a full board package which may cost you more upfront but the all-inclusive price can bring costs down when compared to paying for meals, activities, and water sports on top of the room prices.

Is Food in the Maldives Expensive?

Like everything in the Maldives, the amount you can spend on food can range from $10 a meal to well over $200.

For example, if you are staying on a private island resort and have not opted for the all-inclusive package then your meal prices are going to be extremely expensive. Most island resorts will have a few restaurants for you to choose from laidback ones to fine dining options.

Basic meals in the laid-back restaurants will cost you around $20 and that is for simple food such as a burger. The cost of food goes up dramatically from there if you go to the high-end restaurants where the minimum amount you can spend on a meal will be around $100 per person. This, of course, is not the limit and you can easily push up to $300 a head when ordering the best food on the menu.

When staying on an inhabited island such as Male or Hulhumale island you can actually find food at reasonable prices similar to what you might expect at home, sometimes even cheaper too.

Male is home to a wide variety of restaurants and you can sample anything from traditional Maldivian food to international food options too. Generally speaking, a decent meal in sit-down restaurants will cost you around $10 per head which is incredibly affordable and the street food prices are even cheaper too!

If you are traveling on a budget, then staying on the inhabited islands is going to save you a ton of money when it comes to eating out! You also have the option to buy snacks, fruit, and supplies for the shops and markets to make it even more affordable too!

Is Transportation in the Maldives Expensive?

When it comes to costs and transportation, it is the same story as everything else in the Maldives. If you do it like a local, then local transportation is very affordable but if you are going to an island resort for some luxury, then transport prices and transfers go up rapidly.

Something everyone visiting the Maldives has to pay for is airport transfers and this can either be across the bridge to your hotel in Male or it can be a transfer to a private island, or even from one island to the next when doing some island hopping around the other islands near the main island of Male.

The main form of transport for the locals who live in the Maldives is via a public ferry service which only goes to the inhabited local islands, not to the resort islands. The ferry journeys cost more or less depending on their journey time but you should never be paying more than $5 one way at the most.

For example, traveling from Male to Maafushi is around $3 one way, Maafushi to Fulidhoo is about $4, and Maafushi to Guraidhoo is just $2. This makes traveling on a budget around the Maldives going from one island and guesthouse to the next very affordable and doable so long as you enjoy long ferry crossings over the pristine Indian Ocean, and who wouldn’t?

If you are staying at an island resort or want to visit an uninhabited island for the day and have your “own island” for a few hours then you are going to have to book a private speedboat or seaplane to get you where you want to go.

A return trip to an island on a speedboat can cost anywhere from $200 to $500 depending on the journey time. If it takes 45 minutes on the speedboat expect to pay around $250 for the privilege.

If a speed boat seems expensive, then a seaplane is another category altogether. A return flight on a seaplane to one of the other atolls will run you around $500 and that is only if the flight time is 20 minutes, the costs go up from there.

As you can see, while the exclusivity of island resorts is a lovely way to experience the Maldives, the costs associated with them are no joke!

Are the Attractions in the Maldives Expensive?

The most popular activities in the Maldives of course are all based around the sea. The coral reefs around the Maldives are some of the most beautiful in the world which makes it one of the top spots to go diving, snorkeling, surfing, and fishing.

It is also home to gorgeous beaches and some of the best beaches are found on the uninhabited islands, so you are going to need some transportation to get to each one.

The costs of seeing all these wonderful attractions are again dependent on whether you are staying on a resort island or a local island.

The prices on a local island are much more affordable for activities and you should expect to pay around $50 per person for a snorkeling trip, around $100-150 per person for two dives, and $50 for a fishing trip on a local boat.

You can also do some cool excursions such as going to sandbars which come out at low tide for around $25 per person, you will be on the most pristine beach you have ever seen doing so. Hopping around the islands of the atoll is also a fun day out and runs at $50 per person.

The most affordable way to book these kinds of excursions is through your guest house or even another guest house. Ask at a few and see what prices you get. If you are staying on Male, then doing a food tour or going to the museums are also very affordable.

If you are staying at a resort and aren’t on an all-inclusive booking, a sandbank trip is around $160, snorkeling is $150, fishing is $150, and a dolphin cruise is $175. Compared to a guesthouse price, these are pretty extortionate.

Are Alcoholic Beverages in the Maldives Expensive?

The Maldives is a Muslim country and one of the most strict ones out there operating under sharia law, meaning all citizens have to be Muslim. This means that alcohol is strictly forbidden and if you are staying on one of the local islands, you are not going to find a beer being sold anywhere.

The only place in the Maldives where you can buy alcohol is on live-aboard trips or on island resorts. All alcohol in the Maldives is taxed at a whopping 22% so even when you buy a drink at a resort, remember that 22% is added at the end.

Drinking in the resorts is expensive and you are likely to pay around $10 for a beer and up to $20 or more for a cocktail, and don’t forget they are going to add the 22% tax and service charge to it at the end as well.

Other Travel Costs in the Maldives

You may have thought that we had covered everything here but there often are some extra and semi-hidden costs when traveling to the Maldives, which is something you need to check before booking.

These extra hidden costs tend to be based around taxes and service charges as these are not usually included in the price given to you by resorts.

Firstly there is a 10% hotel service tax that will be added to your bill in some cases and this goes hand in hand with a 12% goods and services tax too, so that is an extra 22% already. After this, a $3 Green Tax per person per night is then added and finally, don’t forget about credit card fees.

Resorts can charge up to 5% for a credit card fee. When you add all of these hidden extra costs together, your trip to the Maldives can have an extra 27% added to the bill at the end, which if you are staying at a luxury hotel can be a real kick in the teeth.

Be very wary when you are booking to check if all the taxes and extra charges are included in your price as this will ensure you know how much you are paying before you get there and won’t get handed an extra 27% bill at the end.

Travel Insurance

Another cost which we haven’t included here is general travel insurance and it is something very useful to have. While prices vary from one insurer to the next, travel insurance for two weeks in the Maldives would run between $70 and $100 depending on the level of cover you require.

Tips on How to Travel on a Budget in the Maldives

If You Are Staying On A Resort, Go All Inclusive

If you are traveling on a budget then chances are you are not going to stay at a resort, but if you are, go for an all-inclusive package as it will save you money in the long run.

The extra costs of lunch, dinner, and activities which make the Maldives one of the coolest places in the world will quickly rack up. Plus, the last thing you want to do on your vacation is spending the whole time holding back from the things you want to do.

Stay On Local Inhabited Islands

If you have read through the article you will know that staying on a local island costs around $25 to $100 a night compared to $250 to $1000 a night for a resort booking.

This will save you a ton of cash and you will miss all the extra fees that go with it like a speed boat transfer, seaplane, plus the extra expensive food and activities at the resorts too.

Eat Locally

Local restaurants are so budget-friendly in the Maldives and for around $10 a meal you can eat really well. This doesn’t apply to resorts of course as you will have to dine in their restaurants if staying on a private island.

Having a good plan is always a great way to stick to a budget. Only pick islands you can access by public ferry, and book a room/guesthouse on each to have an awesome island hopping holiday.

Travel In The Off Season

Prices in the Maldives double during the high season of November to April, and flight prices are a lot more in July and August over the school holidays. Plan your trip around May/June or September/October and you will be able to do it for close to half the price.

Verdict: Is the Maldives Expensive?

Yes and no, the Maldives can be as expensive as you want it to be. If you go for maximum luxury through a resort you can spend $50,000 for a 10-day vacation for 2 people with your own private dinners in the sand over sunset.

Or, you can live off around $90 a day doing it the local way, staying in guesthouses, using local ferries, and eating local food. It is up to you!

About the Author Roger Timbrook

Roger is a little obsessed with travel. He has been to over 40 countries, broken 3 suitcases and owned over 10 backpacks in 12 months. What he doesn't know about travel, ain't worth knowing!

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How Much Does A Vacation To Maldives Cost

Published: December 1, 2023

Modified: December 28, 2023

by Madelene Tiller

• Beaches & Islands
• Budget Travel
• Hotel Reviews

Introduction

The Maldives is a tropical paradise renowned for its pristine beaches, crystal-clear turquoise waters, and luxurious resorts. Located in the Indian Ocean, this archipelago consists of 26 atolls comprising over 1,000 coral islands. The Maldives is a dream destination for travelers seeking a serene and idyllic vacation experience.

However, one common question many people have when considering a trip to the Maldives is the cost. While the Maldives is known for its exclusivity and high-end resorts, it is possible to plan a vacation to this stunning destination within a range of budgets.

In this article, we will explore the factors that influence the cost of a vacation to the Maldives and provide a breakdown of various expenses to consider. Additionally, we will share some helpful tips on how to save money while enjoying all that the Maldives has to offer.

Whether you are a budget-conscious traveler or are willing to splurge on a luxurious getaway, this guide will help you understand the key elements that contribute to the overall cost of a vacation in the Maldives.

Factors Influencing the Cost

Several factors influence the cost of a vacation to the Maldives. Understanding these factors will help you plan your trip and budget accordingly. Here are some key elements that can impact the overall expense:

• Travel Season: The time of year you choose to visit the Maldives can significantly affect the cost. The high season, which runs from November to April, is when the weather is dry and ideal for beach activities. However, this is also the most expensive time to visit, with peak rates for accommodations. The low season, from May to October, experiences more rainfall, but prices are generally lower.
• Accommodation Type: The type of accommodation you choose will have a significant impact on the cost of your trip. The Maldives is famous for its luxury resorts, which offer private villas, overwater bungalows, and exclusive amenities. These high-end properties come at a premium price. However, budget-friendly guesthouses and local island accommodations are also available, offering a more affordable option for travelers.
• Duration of Stay: The length of your vacation will affect the overall cost. Staying for a shorter period will naturally be less expensive than an extended stay. Consider how many days you want to spend in the Maldives and plan your budget accordingly.
• Transportation: The cost of getting to the Maldives can vary depending on your location and the flight options available. International flights to the Maldives typically land at Malé International Airport. From there, you will need to take a domestic flight, seaplane, or speedboat to reach your final destination. These transportation methods can add to the overall cost of your trip.
• Activities and Excursions: The Maldives offers a wide range of activities and excursions, such as snorkeling, diving, sunset cruises, and spa treatments. The cost of these activities can vary depending on the resort or tour operator. Keep in mind that certain activities, such as diving, may require additional certifications or fees.
• Food and Dining: Resorts in the Maldives often offer meal packages that include breakfast, lunch, and dinner. These packages can be a convenient option, but they can also add to the overall cost. Additionally, dining at specialty restaurants or opting for private dining experiences may come with an extra price tag.
• Visa and Travel Insurance: Don’t forget to consider the cost of obtaining a visa to enter the Maldives. Depending on your nationality, you may need to apply for a visa in advance. Additionally, travel insurance is highly recommended to protect against any unforeseen circumstances. Factor in these costs when budgeting for your trip.

By taking these factors into account, you can better estimate the overall cost of your vacation in the Maldives. In the following sections, we will delve into these individual expenses to provide a more detailed breakdown.

Accommodation Expenses

Accommodation is one of the most significant expenses when planning a vacation to the Maldives. The archipelago is famous for its luxurious resorts and private villas, offering unparalleled comfort and breathtaking views of the ocean. However, there are also more affordable options available for budget-conscious travelers.

The cost of accommodation in the Maldives can vary widely depending on factors such as the resort’s location, amenities, and room type. Here are a few options to consider:

• Luxury Resorts: The Maldives is known for its exclusive resorts that cater to the most discerning travelers. These resorts offer a range of luxurious amenities, private villas, and overwater bungalows with direct access to the ocean. Prices for luxury resorts can start from $500 per night and can go up to several thousand dollars per night for the most extravagant options.
• Budget-Friendly Guesthouses: For those on a tighter budget, guesthouses and local island accommodations provide a more affordable alternative. These options allow you to experience the Maldives without breaking the bank. The rates for guesthouses can start from as low as $50 per night, offering comfortable rooms and access to local beaches and activities.
• All-Inclusive Packages: Many resorts in the Maldives offer all-inclusive packages, which include accommodation, meals, and some activities. These packages can provide excellent value for money and allow you to enjoy a worry-free vacation with all your needs taken care of. However, keep in mind that all-inclusive packages usually come at a higher price point.

When considering accommodation expenses, it is crucial to factor in additional costs such as local taxes, service charges, and resort fees. These charges can add up and significantly impact the final cost of your stay. Be sure to inquire about these extra fees when booking your accommodations.

It’s also worth noting that the Maldives has recently introduced regulations allowing guesthouses to operate on local islands, providing more affordable alternatives to the high-end resort experience. This change has made the Maldives more accessible to budget travelers, allowing them to enjoy this beautiful destination without compromising on the experience.

When planning your budget for accommodation expenses, consider your desired level of luxury, location preferences, and the duration of your stay. Research different resorts and guesthouses to find the best option that fits your budget and preferences. Booking in advance and taking advantage of early-bird discounts or off-peak season promotions can also help you save on accommodation costs.

Flight Costs

Flight costs are another significant factor to consider when planning a vacation to the Maldives. As an archipelago located in the Indian Ocean, the Maldives relies heavily on air travel for visitors to reach its beautiful shores.

The cost of flights to the Maldives can vary depending on several factors, including your departure location, the time of year, and the airline you choose. Here are some considerations to keep in mind:

• Departure Location: The cost of your flights will often depend on your departure location. If you are traveling from a major international hub or a popular tourist destination, you may have more flight options, which could result in competitive prices. However, if you are flying from a less well-connected destination, you may have fewer choices, which could impact the cost.
• Travel Season: Like many popular vacation destinations, the Maldives experiences high and low seasons. The high season, typically from November to April, sees an influx of tourists, resulting in higher demand for flights. As a result, flight prices tend to be more expensive during this period. On the other hand, the low season from May to October often offers more affordable flight options.
• Flight Route and Airline: The airline you choose and the specific flight route can also impact the price. Some airlines may offer direct flights to Malé International Airport, while others may have layovers or connections. Direct flights are often more convenient but can be pricier. It’s worth comparing different airlines and routes to find the best balance of cost and convenience for your trip.
• Booking in Advance: It is advisable to book your flights well in advance to secure the best prices. Flight prices tend to increase as the departure date approaches, particularly during peak travel periods. By booking early, you have a better chance of finding competitive fares.

In addition to considering these factors, it’s essential to thoroughly research different airlines and compare prices. Use flight search engines or aggregator websites to find the best deals and consider signing up for fare alerts to stay updated on any price drops or promotions.

It’s worth noting that once you arrive at Malé International Airport, you may need to take a domestic flight, seaplane, or speedboat to reach your final destination in the Maldives. These additional transportation costs should also be factored into your overall budget. Domestic flights tend to be more affordable, while seaplane transfers can be more expensive but provide a thrilling scenic experience.

By carefully planning your flight itinerary, booking in advance, and considering alternative routes, you can help keep your flight costs within your budget and ensure a smooth journey to the Maldives.

Transportation Expenses

Transportation expenses in the Maldives include the cost of getting around the islands and traveling between different destinations. As an archipelago composed of over 1,000 islands, understanding the various transportation options is essential for planning your trip.

Here are some key transportation expenses to consider:

• Domestic Flights: If you are planning to visit multiple islands in the Maldives, you may need to take domestic flights to travel between them. Domestic flights are generally the most efficient and convenient option for covering long distances. The cost of domestic flights can vary depending on the distance and the airline, but they are generally more affordable compared to other modes of transportation.
• Seaplane Transfers: Some resorts in the Maldives are located on private islands that are not easily accessible by boat or road. In such cases, seaplane transfers are frequently used to transport guests to and from the resorts. Seaplane transfers can be quite expensive, ranging from a few hundred dollars up to several hundred dollars per person. However, if you are staying at a resort that requires a seaplane transfer, this cost is often included in the overall package price.
• Speedboat Transfers: Another option for transportation between islands is speedboat transfers. These can be arranged through resorts or local operators, and the cost will depend on the distance and the type of boat used. Speedboat transfers are generally less expensive than seaplane transfers but may take longer, especially for destinations that are farther away.
• Public Ferries: Public ferries operated by the Maldivian government connect some of the inhabited islands. These ferries are an affordable option and offer a glimpse into the daily life of locals. However, public ferry schedules can be limited, and the routes may not encompass all the islands popular with tourists. It’s important to check the ferry schedules in advance and plan your itinerary accordingly.
• Private Boat Charters: For those looking for a more customized and exclusive experience, private boat charters are available. These allow you to explore the islands at your own pace and visit less-touristy spots. However, private boat charters can be quite costly, and the price will depend on factors like boat type, duration, and services included.

When estimating transportation expenses, it’s important to consider the distance between your chosen islands, the mode of transportation required, and the frequency of travel. Keep in mind that transportation costs will also depend on which resort or guesthouse you choose to stay at, as some offer complimentary transfers while others charge additional fees.

Additionally, consider building some flexibility into your itinerary to allow for changes in transportation schedules, especially for public ferries, as they may not run as frequently as private transportation options.

By researching and comparing transportation options, you can select the most suitable and cost-effective means of getting around the Maldives while enjoying the scenic beauty of the islands.

Food and Dining Costs

Food and dining costs can vary widely in the Maldives, depending on your preferences and choices. The Maldives offers a diverse culinary scene, ranging from local Maldivian cuisine to international flavors. Here are some factors to consider when budgeting for food and dining:

• Resort Meal Packages: Many resorts in the Maldives offer meal packages, which include breakfast, lunch, and dinner. These packages can be a convenient option if you prefer to have your meals within the resort and want to have a fixed budget for food. However, keep in mind that resort meal packages are often an additional expense on top of your accommodation cost.
• A la Carte Dining: If you prefer more flexibility and dining options, a la carte dining is available at most resorts and guesthouses. You can choose from a variety of restaurants and menus, including international cuisines and local Maldivian specialties. Prices for a la carte dining can vary depending on the restaurant’s level of luxury. It’s important to check the prices beforehand and factor them into your budget.
• Local Cuisine: For a more authentic experience, you can explore local Maldivian cuisine at local cafes and restaurants on inhabited islands. Local cuisine often includes dishes such as fish curry, coconut-based dishes, and spicy condiments. Eating at local cafes can be a more budget-friendly option compared to dining at resort restaurants.
• Street Food: On some local islands, you may also find street food stalls selling snacks like “hedhikaa” (traditional Maldivian savory snacks), grilled seafood, and tropical fruits. Sampling street food can be a cost-effective way to try local flavors and immerse yourself in the vibrant food culture of the Maldives.
• Beverages: Alcoholic beverages can be quite expensive in the Maldives due to high taxes. If you enjoy alcoholic drinks, it’s advisable to check the prices and consider a budget for those as well. Non-alcoholic beverages, such as fresh fruit juices and mocktails, are generally more affordable.

Keep in mind that dining costs in the Maldives can vary greatly depending on where you choose to eat. Resorts and private islands typically charge higher prices for meals and beverages due to the exclusivity and premium service they provide.

To save money on food and dining costs, you can consider a mix of options throughout your trip. For example, you can opt for a resort meal package for a few nights and try local cafes or street food on other days. Exploring the local cuisine can also be a fantastic way to support the local community and engage with the rich cultural heritage of the Maldives.

Planning ahead, researching different dining options, and setting a budget for food expenses will help you enjoy a variety of culinary experiences while managing your overall vacation costs in the Maldives.

Activities and Excursions Expenses

The Maldives offers a plethora of activities and excursions that allow visitors to fully immerse themselves in the natural beauty and vibrant marine life of the archipelago. From snorkeling and diving to sunset cruises and spa treatments, there are options to cater to every interest and budget. Here’s what you need to know about the expenses associated with activities and excursions in the Maldives:

• Water Sports: Snorkeling and diving are among the most popular activities in the Maldives, with its incredible coral reefs and diverse marine life. Resorts and guesthouses typically offer snorkeling equipment for rent or provide guided snorkeling tours. Diving excursions, on the other hand, may require additional certifications or fees. Prices for snorkeling and diving can range from $30 to $100 per person, depending on the duration and location of the activity.
• Water Villas and Overwater Bungalows: Many resorts in the Maldives feature water villas or overwater bungalows, allowing guests to indulge in a unique and luxurious experience. Staying in a water villa often comes with perks like direct access to the ocean and stunning views. However, these accommodations can be a significant expense, with prices starting from a few hundred dollars per night and going up to several thousand dollars per night for premium options.
• Island Hopping: Exploring the different islands of the Maldives is a delightful activity. You can arrange island hopping tours or hire a private boat to visit uninhabited islands, local villages, and cultural sites. The cost of island hopping tours can vary depending on the duration and number of stops, usually ranging from $50 to $200 per person.
• Spa and Wellness: The Maldives is renowned for its pampering spa experiences set in idyllic surroundings. From relaxing massages to rejuvenating treatments, you can indulge in various wellness activities at the resorts. The prices for spa services can vary, with most treatments starting from $100 and going upwards depending on the type and duration.
• Private Dining Experiences: For a special occasion or a romantic evening, many resorts offer private dining experiences on the beach or in secluded settings. These exclusive dining options can come at a premium price, but they offer a memorable and intimate dining experience.

It’s essential to check with your resort or tour operator for a comprehensive list of activities available and their associated costs. Some resorts provide package deals or discounted rates for multiple activities, so it’s worth exploring these options to get the best value for your money.

When budgeting for activities and excursions, consider your preferences and prioritize the experiences that are most important to you. Research and compare prices from different resorts and operators, and don’t forget to factor in any necessary equipment rentals or additional fees.

By planning ahead, choosing wisely, and balancing higher-priced activities with more budget-friendly options, you can make the most of your time in the Maldives while managing your expenses effectively.

Visa and Travel Insurance Costs

When planning a vacation to the Maldives, it’s essential to consider the cost of obtaining a visa and obtaining travel insurance to protect yourself against unforeseen circumstances. Here’s what you need to know about visa and travel insurance costs:

• Visa Requirements: Depending on your nationality, you may need to obtain a visa before traveling to the Maldives. Visa requirements vary, so it’s important to check the specific requirements for your country. For some nationalities, a tourist visa can be obtained on arrival at the Malé International Airport. However, for others, you may need to apply and obtain a visa in advance through the Maldivian Embassy or Consulate. Visa fees can vary, ranging from $20 to $100 or more, depending on the duration and type of visa.
• Travel Insurance: It is highly recommended to have travel insurance when visiting the Maldives. Travel insurance provides coverage for medical emergencies, trip cancellations, lost baggage, and other unforeseen events. The cost of travel insurance will depend on factors such as your age, duration of stay, coverage limits, and the insurance provider. It is advisable to compare quotes from different insurance companies to find the best coverage that suits your needs and budget.

When budgeting for visa and travel insurance costs, factor in the visa application fees, any processing fees, and the cost of travel insurance premiums. It’s important to consider these expenses upfront to ensure that your trip is smooth and you are adequately protected during your time in the Maldives.

To save on visa and travel insurance costs, consider applying for your visa well in advance to avoid any rush fees or last-minute processing fees. Additionally, compare different insurance providers to find the best coverage at a competitive price. Remember that travel insurance is an investment in your peace of mind and financial security during your trip.

Before traveling, ensure that you have all the necessary documents and insurance coverage in place, and make sure to carry the relevant information with you throughout your trip for any emergencies or unforeseen situations.

With proper preparation, including obtaining the required visa and securing travel insurance, you can enjoy your vacation in the Maldives with peace of mind and focus on creating wonderful memories.

Miscellaneous Expenses

In addition to the major expenses mentioned earlier, there are several miscellaneous costs to consider when planning a vacation to the Maldives. These expenses may vary depending on your preferences and circumstances. Here are some miscellaneous expenses to keep in mind:

• Resort Fees: Some resorts in the Maldives charge additional fees, also known as “bed tax” or “green tax,” per night of your stay. These fees are typically added to your final bill and vary depending on the resort’s star rating or location. It’s important to inquire about these fees when making your reservation to avoid any surprises.
• Tipping: While tipping is not mandatory in the Maldives, it is customary to leave a gratuity if you are satisfied with the service. Tipping can be done at your discretion, and the amount usually ranges from 5% to 10% of the total bill. Some resorts may have a no-tipping policy, so it’s always a good idea to check with the staff or your resort’s guidelines regarding tipping practices.
• Gifts and Souvenirs: If you enjoy shopping for gifts or souvenirs, budget for some discretionary spending. The Maldives offers a variety of local handicrafts, clothing, jewelry, and other unique items that make great mementos of your trip. The prices for these items can vary, so it’s advisable to compare prices and bargain where appropriate.
• Internet Access: Some resorts may charge for internet access in guest rooms or public areas. If staying connected is important to you, consider the cost of internet access or look for resorts that offer complimentary Wi-Fi.
• Transportation to and from Airport: Don’t forget to consider the cost of transportation to and from the airport in your home country. Whether it’s a taxi, airport parking, or public transportation, these costs can add up and should be factored into your overall budget.
• Golf Fees and Other Recreational Activities: If you enjoy golf or are interested in other recreational activities such as tennis or water sports, check if your resort provides these facilities and whether there are any additional fees for participation.

While these miscellaneous expenses may seem small individually, they can collectively impact your overall budget. It’s crucial to account for these costs and include them in your planning to ensure that you have a comprehensive and accurate understanding of your vacation expenses.

By considering these miscellaneous expenses in advance and budgeting accordingly, you can avoid any unexpected surprises and have a more enjoyable and stress-free vacation in the Maldives.

Overall Vacation Cost

Now that we have explored various expenses involved in a vacation to the Maldives, let’s discuss the overall vacation cost and provide some estimates to help you plan your budget effectively.

Keep in mind that the cost of a vacation in the Maldives can vary significantly depending on your preferences, travel style, and choices. Here’s a rough breakdown of the major expenses:

• Accommodation: Depending on the type of accommodation you choose, the prices can range from budget-friendly guesthouses starting at $50 per night to luxurious resorts with prices exceeding $1,000 per night.
• Flights: The cost of flights to the Maldives will depend on factors such as your departure location, the time of year, and the airline. On average, round-trip flights can range from $600 to $1,500 per person.
• Transportation: Domestic flights or seaplane transfers within the Maldives can cost anywhere from $100 to $500 per person, depending on the distance and mode of transportation. Speedboat transfers can be a more affordable option, typically ranging from $50 to $150 per person.
• Food and Dining: A budget-friendly option for meals at local cafes and street food can cost around $15 to $30 per day, while dining at resort restaurants or choosing meal packages can range from $50 to $150 per day per person. These costs can vary widely depending on your preferences and dining choices.
• Activities and Excursions: The cost of activities and excursions can vary greatly depending on what you choose to do. Snorkeling trips, diving experiences, and other water sports activities can range from $30 to $100 per person. Island hopping tours and spa treatments can cost anywhere from $50 to $200 per person.
• Visa and Travel Insurance: Visa fees can range from $20 to $100, depending on your nationality and the type of visa. Travel insurance premiums vary based on coverage limits, duration of stay, and the insurance provider, but can typically range from $50 to $200 per person for a week-long trip.
• Miscellaneous Expenses: Miscellaneous expenses such as resort fees, tipping, gifts, and souvenirs can add up to several hundred dollars or more, depending on your choices and preferences.

Considering these estimates, the cost of a week-long vacation per person in the Maldives can range from around $1,500 for budget-conscious travelers to well over $5,000 or more for those seeking a luxurious and indulgent experience.

It’s important to note that these estimates are rough guidelines, and actual costs can vary depending on various factors such as travel season, length of stay, and individual preferences. It’s advisable to create a detailed budget based on your specific needs and conduct thorough research to get more accurate pricing information for your chosen accommodations, flights, and activities.

Remember to account for additional expenses, such as transportation to and from the airport, internet access fees, golf or recreational activity fees, and any other personal preferences.

By carefully considering these expenses and planning ahead, you can have a memorable and enjoyable vacation in the Maldives while staying within your desired budget.

Tips to Save Money on a Vacation to Maldives

While the Maldives is often associated with luxury and exclusivity, it is still possible to enjoy a memorable vacation without breaking the bank. Here are some tips to help you save money on your trip to the Maldives:

• Consider Traveling During the Low Season: If your travel dates are flexible, consider visiting the Maldives during the low season, which typically runs from May to October. During this period, you can find better deals on accommodations and flights, allowing you to enjoy the beauty of the Maldives while saving on costs.
• Opt for Budget-Friendly Accommodations: Instead of splurging on luxury resorts, consider staying at budget-friendly guesthouses or local island accommodations. These options offer a more affordable alternative while providing an authentic experience and access to beautiful beaches and activities.
• Book in Advance: Planning and booking your trip to the Maldives well in advance can help you secure lower prices on flights, accommodations, and activities. Many resorts and airlines offer early-bird discounts or promotions, so taking advantage of these can lead to significant savings.
• Look for All-Inclusive Packages: Some resorts in the Maldives offer all-inclusive packages that include meals, beverages, and some activities. These packages can be a cost-effective way to enjoy your stay without having to worry about additional expenses.
• Explore Local Cuisine: Instead of dining exclusively at resort restaurants, venture out to local cafes and eateries on inhabited islands to sample authentic Maldivian cuisine. Not only will you experience the local culture, but you’ll also find more affordable dining options.
• Participate in Free or Low-Cost Activities: Enjoy the natural beauty of the Maldives by taking advantage of the free or low-cost activities available. Snorkeling from the beach, exploring local islands, and relaxing on the stunning beaches are all wonderful experiences that won’t cost you extra.
• Minimize Extra Expenses: Keep an eye on additional expenses such as resort fees, internet charges, and minibar costs. Consider staying at resorts that provide complimentary Wi-Fi or including these costs in your initial budget to avoid any surprises.
• Plan Your Own Excursions: Instead of booking organized tours or excursions, consider creating your own itinerary. Research the best spots for snorkeling, visit local islands independently, and save on guide fees by exploring at your own pace.
• Use Local Transportation: Opt for more affordable transportation options such as public ferries or speedboat transfers instead of expensive seaplane transfers. This can help you save significantly on inter-island transportation costs.
• Travel with a Group: If possible, consider traveling with a group of friends or family to share accommodation and transportation costs. Splitting expenses can lead to substantial savings and allow you to enjoy a more cost-friendly vacation.

By implementing these tips, you can have an incredible vacation in the Maldives while keeping your expenses within a manageable range. Remember, while it is possible to save money, it’s important to strike a balance between cost-saving measures and enjoying the unique experiences the Maldives has to offer.

Plan ahead, conduct thorough research, and prioritize the activities and experiences that matter most to you. With proper budgeting and a bit of flexibility, you can create lifelong memories without compromising on quality or enjoyment during your trip to the stunning Maldives.

Planning a vacation to the Maldives may seem like a daunting task, given its reputation as a luxury destination. However, with careful planning, research, and budgeting, it is possible to enjoy this tropical paradise without breaking the bank.

In this guide, we have explored the various factors that influence the cost of a vacation to the Maldives, including accommodation expenses, flight costs, transportation expenses, food and dining costs, activities and excursions expenses, visa and travel insurance costs, as well as miscellaneous expenses. By considering these factors and estimating the associated costs, you can create a comprehensive budget for your trip.

We have also provided valuable tips to help you save money on your vacation, including traveling during the off-peak season, opting for budget-friendly accommodations, booking in advance, exploring local cuisine, participating in free or low-cost activities, and being mindful of additional expenses.

Remember, a vacation to the Maldives is a unique and unforgettable experience. While cost-saving measures are important, it’s also crucial to allocate some budget for activities and indulgences that truly enhance your enjoyment of this stunning destination.

With proper planning, research, and budgeting, you can embark on a memorable vacation to the Maldives, whether you choose to relax on pristine beaches, explore the vibrant underwater world, or immerse yourself in the local culture. So, start planning, customize your itinerary according to your preferences, and get ready to create lifelong memories in the breathtaking Maldives.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Service sector inflation is becoming more entrenched.

April 10, 2024

US inflation came in hot. The consumer price index (CPI) rose 0.4% in March, the same increase as February and above the consensus expectation for a 0.3% increase. Higher energy prices and shelter costs contributed to about half of the rise in inflation, similarly to last month. Gasoline prices rose 1.7% and housing costs increased 0.4%. The CPI index rose 3.5% from a year ago in March, up from 3.2% in February.

The core CPI, which excludes food and energy, rose 0.4% in March, the same as February. That was also above the consensus expectation for a 0.3% increase. Core CPI rose 3.8% from a year ago in March, stuck at the same pace as February. Major goods prices continue to fall. Prices for big-ticket items such as new vehicles, appliances and furniture declined. The disappointment in the report came from the services sector which showed rising inflation.

The supercore services measure, which excludes shelter and energy costs, rose 0.7%, a pickup from 0.5% in February. The supercore increased 4.8% from a year ago in March, up from 4.4% in February. The three-month and six-month annualized measures accelerated further with the former rising 8.2% from a year earlier in March from 6.9% in February. Earlier evidence pointed to inflation being bumpier but the latest data suggest it is becoming stickier. Given that the services sector is a much larger share of the economy, the latest inflation news is a big disappointment to Federal Reserve officials who expected to see further progress.

Medical services and insurance costs continued to fuel higher inflation. Hospital costs rose 1% while motor vehicle insurance increased 2.6%.

Travel related costs were muted after months of increases. Airline fares fell 0.4% as hotels were unchanged in March. Still, the number of people out on vacation remains elevated, the fourth highest March in the series; TSA throughput continues at high levels.

Several of the pass-through components in CPI that feed into the personal consumption expenditures (PCE) index reveal elevated inflation. On a not-seasonally adjusted basis, there was a large increase in in-home elder care, up 5.9%, car and truck rental, up 5.7% and veterinary services, up 2.5%. We will have a better measurement for inflation when PCE is released later this month; it is the Fed's preferred measure of inflation. Several components of PPI, due tomorrow, also feed into the calculation of PCE.

A September rate cut is also now in doubt.

Ken Kim, KPMG Senior Economist

Bottom Line

Service sector inflation is becoming more entrenched. The recent inflation data does not show the cooling in inflation the Fed desired to see. Our forecast for a rate cut was recently changed to September from June and the number of cuts reduced to two from three in 2024. In the absence of a notable improvement in inflation in the coming months, the Fed may only cut once this year. Market participants have thrown in the towel for a June easing after today’s CPI report. The probability of a June rate cut is now 18%. A September rate cut is also now in doubt. The market probability for a September cut has fallen to 44%. 

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