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Best Maldives travel insurance

The Maldives is one of the dream destinations for couples from all over the world who come attracted by the fantastic resorts located on atolls with dream beaches. Fine white sand, and crystal clear waters. Of course, something to keep in mind is to travel to this country. It is essential to have travel insurance in the Maldives, since, as various official organizations warn, the states are not responsible in any case for health care abroad. Best Maldives travel insurance.

Next, I will tell you everything you need to know about the requirements and documentation necessary to travel to the country. I will give you several tips and safety recommendations. I will tell you about the best travel insurance for the Maldives and I will provide you with several discounts to hire them.

Best Maldives travel insurance

Is Maldives travel insurance mandatory?

Travel insurance for the Maldives is not mandatory, but it is highly recommended because foreigners are not covered in the country. It is advisable to travel with medical insurance to the Maldives that covers repatriation and health care as local medical services are limited and very expensive.

In addition, it is recommended that said international travel insurance to the Maldives have a Covid-19 guarantee and adventure sports coverage since activities such as diving or snorkeling are usually practiced in the country.

Is it safe to travel to the Maldives?

The Maldives is a very safe country so you shouldn’t have any problems. Only in Male, the capital, could there be any type of theft or robbery.

The biggest inconvenience you could have is that in case of an accident, incident, or illness, the local authorities could be delayed since the distance between the atolls and islands makes transportation between them not easy.

Health in the Maldives

Local medical services in this country are limited and quite expensive. The tourist resorts have very basic primary care, for minor illnesses such as gastroenteritis. Therefore, for the most serious cases, you will have to be transferred to the capital or be repatriated, something that makes it essential to have one of the best travel insurances.

As for diseases, the greatest risk is dengue or Zika transmitted by mosquitoes, for which it is advisable to use repellent, pants, and a long-sleeved shirt, mainly during sunrise and sunsets.

Diving and extreme sports

The most common activities in the country are diving and other risky activities such as speedboats. It is highly recommended to contract the services of certified instructorsprofessional indemnity insurance and have travel insurance for the Maldives with adventure sports coverage, such as the IATI Backpacker, with a €500,000 medical guarantee, which includes this type of activity.

culture and religion

The Maldives is a Sunni Muslim confessional state, with no religious diversity, so you must follow very strict rules.

Outside the resorts and the so-called bikini beaches, you will have to bathe with your body covered, avoid public displays of affection and not display religious symbols or images, whether they are tattoos, clothing, or accessories. Let’s not forget that in the country you can’t even take a bible, a crucifix, or an image of Buddha.

In addition to the above, you should know that homosexuality is illegal, therefore, although resorts have a somewhat more liberal policy, you will have to avoid showing affection in public, something that also extends to heterosexuals

Drugs and alcohol

Obviously, drug use and trafficking are heavily punished. What you may not know is that alcohol is prohibited except at the resorts.

What are the requirements and documentation necessary to travel to the Maldives?

Currently, the requirements and documentation necessary to travel to the Maldives are as follows:

Valid passport with a minimum validity from the day of the return of 1 month. Although normally the required validity is 6 months, this measure was made more flexible as a result of the pandemic.
Visa. This is obtained in a very simple way and for free when arriving in the country, directly at the Malé international airport. For this, you will only have to present your passport. The visa will be valid for 30 days. In the event that you want to stay longer, you can extend it once you arrive in the country up to 60 days or you can go to a Maldives embassy or consulate in advance to process it.
Maldives departure ticket within 30 days of arrival.
Proof of funds to cover the stay. A minimum of $100 per day is required.
You must fill in the traveler’s health declaration form (IMUGA) here within 96 hours prior to the departure of the flight. This form generates a QR code that you will have to present when checking in at the airport. However, you can fill in the IMUGA at the airport of arrival, in a place set up for it, but it is better to do it online, this way you will avoid setbacks with the airline if they request it. When leaving the country, you must compulsorily complete the part of the IMUGA form corresponding to the departure or “departure”.

Recommendations to hire travel insurance for the Maldives

To contract travel insurance to the Maldives, my first recommendation is that you do it with a solvent and prestigious company such as IATI, which has been insuring travelers from all over the world since 1885.

On the other hand, in terms of health care, it is advisable that it be around €500,000, enough to cover all incidents that may occur in the country.

Thirdly, it is very important that the insurer provides customer service in Spanish, 24 hours a day, 365 days a year.

Maldives travel insurance must have adventure sports coverage. Although at first, you think that you are not going to practice them, I assure you that you will end up doing it since the beaches and this type of activity are the main tourist attractions in the country.

As for the bills, it should be the insurer who is responsible for paying them from the beginning. No need to advance the money so that they can return it to you later!

Finally, the best travel insurance to the Maldives cannot carry any type of excess.

What coverage should travel insurance for the Maldives have?

What coverage should travel insurance for the Maldives have?

Although there are visa insurances, those that you can benefit from by buying tickets with your credit card, these are insufficient since they lack a lot of coverage and their limits are very low.

It is advisable that the insurance to travel to the Maldives has the following guarantees:

Medical assistance
Covid-19 coverage
adventure sports
civil liability
Cancellation of the trip
Theft or loss of luggage
Delay or loss of services
Sanitary repatriation
Repatriation due to death

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