It can cover medical expenses caused by injuries and accidents, unless it's from an excluded activity.
It can pay for transport to hospital by helicopter or ambulance, as well as medical evacuations back to Australia.
If you're renting a car in Egypt, make sure you have car rental excess cover.
Travelling in a foreign country may put your valuables at risk and travel insurance can cover you for lost or stolen items.
Terrorism is a risk in Egypt. A few insurers provide cover for medical and hospital expenses caused by an act of terrorism, including the cost of bringing you back home.
Looking for the best travel insurance for Egypt? Check out our award winners in 2023
This survey was conducted by Dynata, where 95% of respondents said they would recommend Tick to a friend, and it scored the highest in the 'value for money' category.
Southern Cross Travel Insurance has taken the top position in the 'Travel insurance - Comprehensive' category for the 2023 Finder Awards. Why? It's got to do with its wide COVID-19 coverage and how it handles cancellations due to unexpected events.
Adding to that, its average pricing was pretty affordable compared to other brands who offer less coverage for a higher price.
Fast Cover is the winner of the 2023 Finder Awards for the 'Travel insurance - Value' category. How? We compared the average prices of 28 international travel insurance policies, and Fast Cover came out on top.
But what does 'value' mean? It means we looked at more than just price. Fast Cover doesn't include everything on its policies, but it offers good value.
InsureandGo has taken the top place for the 'Travel insurance - Domestic' category in the 2023 Finder Awards.
Why? We analysed 23 domestic policies and found that InsureandGo were generous with their benefit limits for things like cancellation and rental car excess insurance.
Southern Cross Travel Insurance is the winner of the 'Travel insurance - Seniors' category in the 2023 Finder Awards. Why? It has higher age limits and generous benefits.
We also appreciated SCTI's easy-to-read product disclosure statement. This means that customers can easily understand their policies, and travel with confidence.
Fast Cover Travel Insurance's COVID-19 Benefits & Refund Policy earned it a place among the finalists in the Insurance Innovation category of this year's Finder Innovation Awards.
It goes further than many other insurers, covering COVID medical expenses and evacuation, up to $5,000 for COVID-related cancellations and additional expenses.
Every travel insurance policy has things you won't be covered for. Common exclusions include:
If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
You travel despite government travel advice. For example, if you travel to areas that have a warning from Smartraveller, such as Egypt overall, travel insurance may not cover you.
Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in Cairo, get injured and need medical attention, travel insurance won't cover you.
Driving vehicles without a licence. Like Australia, you won't be covered for medical costs or personal liability expenses if you drive without a licence in Egypt.
Will I be covered for COVID-19?
Travel insurance can cover you for COVID-19 in Egypt. A policy can cover you for the following:
Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive travel insurance policies let you claim up to $5,000 towards these expenses.
Medical costs due to COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but you won't be covered for mandatory PCRs).
Expenses if you need to isolate. For example, if you catch COVID while you're overseas and need to push back your flight and stay in your accommodation longer.
How do I get cheap travel insurance for Egypt?
Medical only or basic policies will generally be the cheaper policies on the market.
Use exclusive deals or promo codes to get a discount.
Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
Compare across a handful of travel insurers – they're not all the same.
Get the most value by buying your policy early. It means you're covered for longer while paying the same price.
When I travel, I don't want to fork out a lot for travel insurance. I always get something above the bare minimum though which usually only covers medical-only expenses. Flight disruptions and delayed luggage are really common, so look for a cheap policy that covers me for these things.
For emergencies: call 112 or 122 (police), 123 (ambulance) or 180 (fire).
In a medical emergency, call for help and then contact your insurer on their emergency assistance line.
Even though Egypt is a safe country, accidents can happen anywhere and winding up in a hospital overseas can be expensive. At the very least, make sure you've got a policy that provides cover for overseas medical treatment.
Why you can trust Finder's travel insurance experts
We're free
Our travel insurance engine is completely free to use. You pay the same as buying directly from the insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of travel insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped over one million people find travel insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.
FAQs about Egypt
The country's key tourist sights (including the Pyramids of Giza, Luxor and the Red Sea) are still considered safe but be aware when visiting holy sites and stay away from protests and political demonstrations.
Take particular precautions when travelling during holiday festivals and significant religious periods.
Egypt is a fairly conservative country and you can avoid unwanted attention by dressing modestly. For women, cover shoulders, cleavage and knees while out and use a scarf to cover your head inside mosques.
Bikinis and swimsuits are fine at private hotel beaches and pools but consider wearing a T-shirt and shorts over your swimmers at public beaches and hot springs.
Some other tips to follow are:
Ignore verbal harassment as much as possible but don't be afraid to make a scene if things get out of hand.
For women, use the women-only buses and carriages on the Cairo metro.
Don't sit in the front passenger seat of taxis or microbuses. If possible try to sit next to another woman.
Avoid crowds, especially after events such as football matches when testosterone is likely to be high.
Before travelling to Egypt, you should make sure your routine vaccinations are up-to-date and speak to a doctor about other travel vaccinations that might be important.
Smartraveller.gov.au and a doctor can advise the risks of any other diseases/viruses, which can include:
Hepatitis A
Hepatitis B
Rabies
Typhoid
Remember, your travel insurance may not cover you if you don't get the recommended vaccines and fall ill while abroad as a result.
The cheapest policy will usually only cover you for medical expenses. However, flight disruptions and petty crime are fairly common in Egypt so it may be worth getting comprehensive travel insurance. This can cover you for medical expenses, trip rearrangement costs, theft, luggage delay and more.
The Australian government's smartraveller site recommends that you take out cover when travelling to Egypt. If you can't afford travel insurance, you can't afford to travel.
Lots of travel insurers cover COVID-related expenses now. You can find a full table of the policies that cover COVID expenses on our homepage.
You should reconsider your need to travel to Egypt, according to current travel advice. If you do still travel to Egypt, travel insurance won't cover you.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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