1. Mandatory coverage by destination
Schengen visa (26 EU countries)
Minimum medical and hospital coverage 30,000 € (~MAD 330,000). Validity covering ENTIRE stay + 15 days margin. Mention 'Schengen visa coverage' on certificate (text required by consulates).
Mandatory medical and body repatriation included. Pre-existing: excluded most of the time (declare if chronic illness for possible extension with surcharge).
USA / Canada (strongly recommended)
US hospital cost extremely high: recommended coverage 50,000-500,000 USD. AXA Morocco and Allianz Morocco offer best USA/Canada coverage (up to 1 MUSD).
Mandatory mention for certain states (Hawaii, Alaska) requiring private-jet medical repatriation coverage (~30,000 USD additional).
Asia, Latin America, Africa
Standard coverage 30,000-100,000 € depending on country. Important: verify 'tropical disease' inclusion (malaria, dengue, yellow fever) for at-risk destinations (Senegal, India, Brazil).
Mandatory vaccinations (yellow fever Senegal/Brazil) are NOT covered by travel insurance — at your own expense.
Hajj and Omra (Saudi Arabia)
Specific Hajj/Omra contracts with coverage including: hospital emergencies (high demand during Hajj peak), body repatriation in case of death, lost papers (passport, Omra visa).
Price: MAD 150-300 for 15 days Omra, MAD 400-700 for 30 days Hajj. Available at Wafa, RMA, AXA — subscription in branch or online with immediate certificate.
2. Comparison of top 5 travel contracts 2026
Wafa Assurance — Wafa Voyages Schengen
Premium MAD 80/week Schengen, MAD 250/15 days world. Medical coverage 100,000 €. Immediate Schengen certificate after online payment.
Advantages: low price, instant CMI card payment, mobile app to store certificate. Drawback: USA coverage limited to 100,000 USD.
AXA Morocco — AXA Travel Premium
Premium MAD 120/week Schengen, MAD 350-500/15 days world. Medical coverage 500,000-1,000,000 € depending on formula (Premium).
Advantages: best USA/Canada coverage (1 MUSD), international AXA Assistance 24/7 in 200 countries, multilingual support. Drawback: premium 30-50 % higher than others.
RMA Watanya — RMA Voyage Sérénité
Premium MAD 90/week, MAD 280/15 days. Medical coverage 100,000 € + repatriation + cancellation MAD 50,000.
Advantages: standard trip-cancellation inclusion (vs option elsewhere), good RMA Assistance Africa/Europe network. Drawback: limited Asia coverage.
AtlantaSanad — Atlanta Voyage
Premium MAD 75/week Schengen, MAD 200/15 days. Medical coverage 50,000 €.
Advantages: lowest market price, ideal for short EU/Maghreb trips. Drawback: too low coverage for USA/Asia. No worldwide 24/7 support.
Allianz Morocco — Allianz Travel
Premium MAD 140/week, MAD 400-600/15 days world. Medical coverage 500,000 €-1 MUSD. Includes extreme sports as option.
Advantages: best contract for adventure sports (ski, diving, trekking), digital-nomad coverage (stays > 3 months), Allianz Worldwide network. Drawback: high premium.
3. Immediate certificate procedure
Online subscription (Wafa, RMA, AXA, Sanlam, Atlanta)
Total time 5-10 minutes: destination + dates + number of persons + coverage level. CMI card or instant transfer payment. Immediate PDF certificate download (accepted by consulates).
Conservation: send copy email to yourself, print 2 copies (1 in visa file, 1 in cabin luggage).
In-branch subscription (urgent visa)
For urgent cases (departure < 48h, border refusal), visit Wafa/RMA/AXA branch with passport. Signed and stamped paper certificate delivered in 20-30 minutes.
Cost: identical to online subscription (no urgency surcharge).
Common mistakes to avoid
Certificate start date > departure date: coverage invalid. Always verify start date ≤ your outbound flight date.
Underestimating duration: for Schengen visa, certificate must cover ENTIRE stay + 15 days margin. Better take a day's margin before and after.
4. Special cases: sports, students, cruises
Long-stay students (Schengen student visa)
Classic travel insurance limited to 90 days. For stays > 90 days: subscribe international student health insurance (BUPA Student, Allianz Student, Smile Mundi) starting from EUR 350-600/year.
Advantage: extended coverage (general consultations included, not just urgent hospitalizations).
Adventure and extreme sports
Standard EXCLUDED: off-piste skiing, diving > 30m, climbing, paragliding, motor sports. Subscribe 'at-risk sports' option at Allianz Morocco or Mondial Assistance (+MAD 50-150).
Hajj/Omra with Jabal Al-Noor ascent: no surcharge needed (treated as hiking).
Maritime cruises
Specific 'sea travel' coverage at AXA Morocco and Allianz. Includes helicopter medical evacuation (very expensive standard).
Price MAD 300-500/week for 7-day Mediterranean cruise, MAD 700-1,000/10 days Caribbean.
5. FAQ
Q.Is travel insurance mandatory for a Schengen visa from Morocco?
Q.How much does Morocco travel insurance cost in 2026?
Q.Which travel insurance has the best US coverage from Morocco?
Q.Can I get a Schengen visa certificate immediately for an urgent departure?
Q.Does Moroccan travel insurance cover Hajj and Omra?
Compare Morocco travel insurance in 2 min
Compare quotes from 5+ Moroccan insurers (Wafa, RMA, AXA, Atlanta, Allianz). Schengen attestation immediate, MAD 75-140/week.
Launch the comparator