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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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, updated on September 5th, 2023       

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Compare Travel Insurance Quotes in 30 Seconds

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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:

  1. Unapproved pre-existing medical conditions
  2. Lost personal items left unattended
  3. Breaking local laws and road rules
  4. Travelling for medical tourism
  5. Accidents caused by drug or alcohol use
  6. 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

Why compare travel insurance with Savvy?

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

Does travel insurance for the Maldives cover me for COVID-19-related costs?

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.

Can I take out travel insurance if I’m already in the Maldives?

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.

When is the best time to buy travel insurance for the Maldives?

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.

How do I make a claim on my travel insurance if I’m in the Maldives?

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.

How much will my travel insurance to the Maldives cost?

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:

  • Your age
  • 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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