Schengen travel insurance Morocco visa prices 2026
Travel insurance is mandatory for any Schengen visa application. Moroccan consulates require proof of coverage of at least 30,000 EUR for the entire duration of the trip. This guide explains the requirements, compares Moroccan insurers, and walks you through the online subscription process for 2026.
Schengen Visa Requirements
To obtain a Schengen visa from any EU consulate in Morocco, your travel insurance certificate must meet the following minimum standards:
- ✓Minimum coverage: 30,000 EUR for medical and repatriation expenses
- ✓Valid throughout the Schengen area (all 27 member states)
- ✓Covers the entire trip duration including entry and departure dates
- ✓Issued by a recognised insurer — the certificate must show the insurer's name, policy number and emergency contact number
Important
Some consulates (Germany, Netherlands) are stricter and may ask for the full policy document, not just the certificate. Always request both from your insurer. Some consulates also require the insurance to be taken out before the visa appointment, not after.
Moroccan Insurers Offering Schengen Travel Insurance
The following insurers in Morocco offer Schengen-compliant travel insurance certificates recognised by EU consulates:
- ✓Wafa Assurance — online subscription, certificate issued in minutes
- ✓RMA Assurance — branch and online, multi-country options
- ✓AXA Assurance Maroc — widely accepted, 24/7 assistance
- ✓Allianz Maroc — premium plans with high medical coverage
- ✓Atlanta Assurance — competitive rates for short trips
Price Comparison 2026
| Insurer | 1-week trip | 2-week trip | 1-month trip | Coverage |
|---|---|---|---|---|
| Wafa Assurance | 95 MAD | 160 MAD | 280 MAD | 30,000 EUR |
| AXA Maroc | 110 MAD | 185 MAD | 320 MAD | 50,000 EUR |
| Allianz Maroc | 130 MAD | 210 MAD | 380 MAD | 100,000 EUR |
| Atlanta Assurance | 100 MAD | 175 MAD | 300 MAD | 30,000 EUR |
* Prices per adult, single entry, standard Schengen zone. Prices for multi-entry annual visas are higher.
Online Application Process
- 1.Visit the insurer's website and select "Assurance Voyage Schengen"
- 2.Enter your trip dates, destination countries, number of travellers
- 3.Enter personal data (CIN or passport number, date of birth)
- 4.Pay online (bank card, CMI, or Orange/Inwi Money)
- 5.Download and print the PDF certificate immediately — submit with your visa application
What Is Covered vs. Excluded
Covered
- ✓ Emergency medical treatment and hospitalisation
- ✓ Medical repatriation to Morocco
- ✓ Death and repatriation of remains
- ✓ 24/7 emergency assistance hotline
Generally Excluded
- ✗ Pre-existing chronic conditions (unless declared)
- ✗ Non-emergency dental treatment
- ✗ Trip cancellation (separate cover needed)
- ✗ Extreme sports injuries (unless option selected)
Special Case: Student Visa
Students applying for a long-stay Schengen visa (type D) for studies need insurance valid for the full period of study — typically 9 to 12 months. Standard short-trip Schengen insurance does not suffice. Ask for a "long-stay student" policy, which provides comprehensive annual coverage from around 800–1,500 MAD/year.
Frequently Asked Questions
Can I buy Schengen insurance from a European insurer?
Yes, but Moroccan consulates may prefer certificates from locally licensed insurers. European insurers like AXA, Allianz or Europ Assistance are generally accepted, but some consulates have experienced delays with foreign certificates. Using a Moroccan-licensed insurer is safer.
What if my trip is extended beyond the insured dates?
You must contact your insurer before the original end date to extend the policy. Extending coverage is usually straightforward and costs a pro-rata daily premium. Do not travel without valid insurance — any emergency costs after the expiry date will be 100% your responsibility.
Is travel insurance sufficient to guarantee visa approval?
Travel insurance is one mandatory document among many. The consulate also evaluates bank statements, employment contract, accommodation proof and ties to Morocco. Insurance is necessary but not sufficient for visa approval.
Sources and References
- 1. European Commission — Home Affairs — Official Schengen visa requirements
- 2. ACAPS Morocco — Insurance regulation and licensed insurer list
- 3. FMSAR — Moroccan Federation of Insurance and Reinsurance Companies
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