Need travel insurance for the Maldives? Here’s how to find the right cover for your dream getaway.
When you think of idyllic tropical holiday destinations, the Maldives is probably one of the first locations that pops into your mind. White sandy beaches, stunning clear water, a relaxed lifestyle and friendly locals. This collection of 26 ring-shaped atolls in the Indian Ocean certainly has plenty to offer travellers.
But if you’re planning a tropical escape to the Maldives, it's important to consider taking out travel insurance to cover the duration of your trip. Compare quotes for Maldives travel insurance, or keep reading to find out how to find the right policy for your needs.
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Find out more about travel insurance for the Maldives
- Why do I need travel insurance for the Maldives?
- How much does travel insurance cost for the Maldives?
- Are there any exclusions?
- Is the Maldives a safe destination?
- Safety tips for the Maldives
- Who do I contact in an emergency?
- How to make a claim on your Maldives travel insurance
- How do I find the best* travel insurance for the Maldives?
- Frequently asked questions about travel insurance for the Maldives
Why do I need travel insurance for the Maldives?
As the old saying goes, if you can’t afford travel insurance, you can’t afford to travel. Regardless of whether you’re travelling to the Maldives, Mexico, Madagascar or anywhere else around the world, the many benefits travel insurance offers means it should be the first item packed in your suitcase.
How is travel insurance important specifically for the Maldives? There are several key benefits that could come in handy on a Maldivian holiday, including the following:
- Overseas emergency medical expenses. Medicare can’t help cover your medical costs in the Maldives, so the medical cover provided by travel insurance is crucial. It can cover your overseas medical costs if you fall ill or suffer an injury on your trip, including everything from ambulance transportation and hospital accommodation to medical repatriation back home to Australia. Without this protection, you could be left facing significant expenses.
- Cancellation costs. Unforeseen circumstances can force the cancellation of your trip at any time, regardless of where you happen to be travelling. For example, if one of your parents were to unexpectedly fall seriously ill a couple of days before your scheduled departure date, you might have no choice but to cancel your holiday. Travel insurance can cover the cost of any cancellation fees and any pre-paid deposits that can’t be refunded.
- Luggage and personal belongings. Airline lost your luggage? Thieves stole your handbag? Travel insurance covers the cost of repairing or replacing luggage and personal belongings that are lost, stolen or damaged during your trip.
- Luggage delay. Imagine standing at the airport conveyor belt waiting for your suitcase to appear, only to find that the airline has misdirected your luggage to Mali instead of the Maldives. If this happened, your travel insurance could cover the cost of emergency items such as clothing and toiletries.
- Travel delay. From extreme weather to industrial action, there are myriad uncontrollable circumstances that could disrupt or delay your trip. Your insurance can pay out for any additional accommodation and meal expenses.
- Car rental insurance excess. This benefit is designed to cover the expensive excess charged by car rental companies when your hire vehicle is stolen, damaged or involved in a collision.
- Adventure activities. No Maldivian holiday is complete without indulging in a few water sports, with scuba diving and snorkelling high on the list. Many insurers will cover a wide range of water sports and adventure activities during your trip, so make sure any policy you select will cover claims arising from any active pursuits. An extra fee may be charged for this addition.
- Theft of cash or credit cards. Petty crime is a risk pretty much everywhere you travel, and travel insurance can cover you if your cash or credit cards are stolen.
- Passport and travel documents. If you lose your passport and are stranded far from home, your insurance can help you replace lost or stolen passports and other important documents.
How much does travel insurance cost for the Maldives?
There’s a long list of factors that can impact the cost of insurance, including the following:
- The level of cover you select. Comprehensive cover understandably costs much more than a policy that only covers the essentials.
- The length of your trip. The longer your holiday, the more cover will cost.
- How many people you insure. The more people that are covered, the higher your premium.
- How many countries you’re visiting. If you are planning other stopovers before or after your stay in the Maldives, it will increase the cost of cover.
- Any optional covers you select. If you will be adding cruise cover or an adventure sports pack to your policy, you’ll need to pay an additional premium.
- Your age. The older you are, the greater the risk that you will require medical treatment overseas.
- Whether you have any pre-existing medical conditions. Unless your pre-existing medical condition is automatically covered by the insurer, you may need to pay a premium loading to make sure it is included in the policy.
- Any discounts that apply. From multi-policy discounts to savings when you buy online or use a special promo code, there are several options to help you reduce the cost of cover.
For a better idea of just how much travel insurance for the Maldives will cost, use the finder.com.au travel insurance quote engine above. Simply enter the details of your trip and click “Get quote now”. You’ll then be able to compare the cost of cover from a range of leading providers.
Are there any exclusions?
Travel insurance isn’t designed to cover every possible situation and risk that may affect your holiday, so there are many circumstances when your claim will not be paid, including the following:
- If you’re under the influence of drugs or alcohol. Did you sink seven beers at the airport bar and then lose your luggage? Don’t expect your insurer to offer a shoulder to cry on, as claims that result because you were under the influence of drugs or alcohol are excluded from cover.
- If you ignore a government warning. If you visit a country or region to which the Department of Foreign Affairs and Trade (DFAT) has specifically advised against travelling, any insurance claims you make will be rejected. You can check the latest travel warnings on the Smart Traveller website.
- If you don’t report theft to the authorities. Let’s say your bag is stolen from your hotel in Malé; make sure you report the incident to police, and obtain a copy of their report, if you want to be reimbursed for your loss.
- If you don’t look after your belongings. As a general rule, when you fail to use basic common sense, there’s a good chance your travel insurer will reject your claim. If you leave luggage or personal items unattended in a public place, such as an airport, and they’re stolen, don’t expect your claim to be paid.
- If you engage in high-risk adventure activities. Before taking part in any adventure activities or sports, such as scuba diving, cliff jumping or skydiving, make sure it’s covered by your insurer. Many sports are automatically excluded from policies and will only be covered if you purchase additional protection.
- If you don’t follow the road rules. Crashing your rental car is a sure-fire way to put a dampener on your holiday, and if it emerges that the crash occurred because you weren’t properly following the Maldives’ local road rules, your claim will be rejected.
- If you travel against medical advice. If your doctor says you shouldn’t travel but you board a flight anyway, don’t be surprised when your insurer brushes away a travel insurance claim for overseas medical expenses.
There are several other important exclusions to be aware of before you travel, so check out our guide to travel insurance exclusions for more info.
Is the Maldives a safe destination?
While the Maldives is generally considered a reasonably safe destination, it’s essential to check the latest travel warnings on DFAT’s Smart Traveller website before you go. At the time of writing, the following advisories were in place:
- Maldives overall: exercise normal safety precautions
- Malé Island: exercise a high degree of caution
With this in mind, it’s important to be aware of the following safety risks before travelling:
- Civil unrest. This is a possibility you must bear in mind if you visit Malé Island, and it’s essential to be mindful of your personal security at all times. Travellers are warned to avoid all demonstrations and protests as they may turn violent.
- Terrorist attacks. Terrorism is a threat wherever you travel, including tourist spots frequented by westerners.
- Crime. Drug-related crime is a risk travellers to Malé should be aware of, while petty crime is always something to watch out for in popular tourist areas. In particular, be wary of the chance of theft of items left on beaches or in hotel rooms.
- Drug laws. There are severe penalties for drug offences in the Maldives, and possession of even a small quantity of illegal drugs could be punished with life imprisonment.
- Importing alcohol. It’s illegal to import alcohol into the Maldives, and the consumption of alcohol is only allowed on resort islands.
- Homosexual acts are illegal. LGBTI travellers can check with Smart Traveller for more information.
Safety tips for the Maldives
Keep the following tips in mind to ensure that you return home safe and sound from your Maldivian holiday:
- Get vaccinated. While there are no mandatory vaccinations before visiting the Maldives, it’s a good idea to book in for a check-up with your doctor to make sure you’re up to date with all relevant vaccinations.
- Avoid mozzies. Dengue fever, zika virus and chikungunya fever are all mosquito-borne illnesses and they can all occur in the Maldives. Make sure to use plenty of mosquito repellent and to cover up with long, loose-fitting clothing.
- Understand what medical care is available. Compared to Australia, the medical facilities on offer in the Maldives are limited. If you visit an isolated resort island, you’ll also be several hours from medical facilities. Keep these facts in mind when planning your holiday.
- Safety standards. If you’re going scuba diving or participating in any other adventure activity, make sure you’re aware that safety standards and regulations in the Maldives are not of the same level as they are in Australia. There are also only five decompression chambers in the Maldives, and reaching such facilities in an emergency could take hours.
- Don’t do drugs. Local drug laws are very strict, so don’t tempt fate by doing anything stupid.
- Be careful what you eat and drink. To prevent food-borne and water-borne diseases, boil all drinking water or drink bottled water only. Stay away from raw or undercooked food as well.
- Keep your clothes on. The Maldives is an Islamic country and nude or topless sunbathing is strictly prohibited. In resort areas, however, bikinis are perfectly acceptable. When not on a resort island, men and women should always dress conservatively.
Who do I contact in an emergency?
Make sure to keep the following details handy:
- If you need the police in the Maldives, they can be contacted on +960 3322111 or firstname.lastname@example.org.
- Make sure you have your travel insurer’s emergency assistance hotline details with you in case you ever need urgent help.
- Australia does not have an embassy or consulate in the Maldives. The nearest Australian High Commission is in Sri Lanka:
Australian High Commission
21, Srimath RG Senanayake Mawatha
Colombo 7, Sri Lanka
Telephone: +94 11 246 3200
Facsimile: +94 11 268 6453
Email: email@example.com or firstname.lastname@example.org
- In an emergency requiring consular assistance, if you are unable to contact the High Commission, you can phone Australia’s 24-hour Consular Emergency Centre on +61 2 6261 3305.
How to make a claim on your Maldives travel insurance
If an incident has occurred and you need to make a travel insurance claim, contact your insurer as soon as possible to notify them of your claim. The insurer will advise you of the next steps.
You will usually need to:
- Complete a claim form. This can usually be done online.
- Provide any supporting documentation requested by the insurer. Depending on the nature of your claim, this could include police reports, medical reports, receipts and proof of ownership.
How do I find the best* travel insurance for the Maldives?
You’ll need to follow a handful of simple steps to track down the right travel insurance policy for your Maldives trip:
- Know what cover you need. Do you want budget cover or the peace of mind of comprehensive cover? Do you need to add any extra-cost options such as adventure sports cover? Will you be visiting multiple countries or the Maldives only?
- Search and compare. Once you know what type of cover you want it’s time to start comparing policies. Search for insurers that offer travel insurance for the Maldives and then look more closely at their policies.
- Compare cover features. Carefully consider the benefits included in each policy. Does the insurer you’re considering offer all the cover you need?
- Check the exclusions and cover limits. Don’t forget to check whether there are any limits to the cover available, and to take a close look at the list of general exclusions.
- Get multiple quotes. Compare travel insurance quotes from multiple insurers to not only determine which is the most affordable, but more importantly, which offers the best value for money.