The Maldives is an idyllic archipelago in the middle of the Indian Ocean. Somewhat unknown until recently, it has emerged as an unspoiled tourist destination. It may not have the charisma of Jamaica, but if you are looking to unwind and relax, there is no better place.

If you are traveling to the Maldives, you definitely need to buy travel medical insurance or travel insurance to protect yourself against any unexpected events that may occur during your trip. 

Travel Medical Insurance for Travelers in Maldives – FAQs

You would never think about going without health insurance at home; why do any different on an international trip? Since your domestic health insurance is unlikely to provide coverage outside your home country, it only makes sense to purchase travel medical insurance.

Do I need travel medical insurance for Maldives?

Travel insurance is not mandatory to visit the Maldives, but with so many adventure sports to choose from, you may need medical attention if any unexpected injuries or accidents were to occur. 

Why buy travel medical insurance before traveling to Maldives?

Maldives travel medical insurance is the best way to secure optimal medical care for a predictable price. Further, if your policy pays the healthcare provider directly, you won’t have to worry about paying upfront and chasing down your insurance company for reimbursement later.

Trip Cancellation Insurance for Travelers in Maldives – FAQs

You will likely have to book several flights to get to the Maldives. You’ll then need to book a hotel or resort, and reservations for events and activities. This is a lot of money to shell out upfront, and most of it will be nonrefundable. If you have to cancel your trip, the only way to get reimbursed for these expenses is with trip cancellation insurance.

Why should I get trip cancellation insurance for my Maldives travel?

Most statistics indicate that around 2% of international trips are cancelled each year. That might not sound like a large number, but the percentages won’t matter much when it happens to you. 

In case of a cancellation due to personal health issues, a family emergency, natural disaster, or any other reason covered by the policy, trip cancellation insurance can reimburse you for your trip’s prepaid, nonrefundable expenses. It’s the only way to protect yourself from paying for a trip you’re unable to take.

What can be covered by trip cancellation insurance for Maldives?

When your travel plans go haywire, trip cancellation insurance, also known as travel insurance, can save the day. It can reimburse you in cases of trip cancellation, trip interruption, travel delay, lost baggage, unplanned emergency medical care, and more. You can even select add-on cancel for any reason coverage to give you more flexibility with certain plans.

The Maldives’ Most Popular Places for Travel

Hulhumalé

An artificial island off the east coast of Malé Atoll, Hulhumalé is known for its pristine beaches and elegant skyline. It has been designed to be a cozy urban sprawl in the middle of the ocean. No matter where you are, the coast is no more than a few minutes’ stroll away.

Maafushi

The traditional and laid-back Maafushi is the opposite of Hulhumalé. The fishing trawlers pull in here with their catch, and if you appreciate fresh seafood, there is no better place. It is also astonishingly cheap, and you could easily spend a week here without putting a dent in your travel fund.

Malé

The capital of Maldives and the seat of its government is also the largest atoll. Strangely enough, you won't find many tourists here, since they prefer to travel straight from the airport to their resort and give Malé a pass. It is quaint, and the nooks and crannies lead to pleasant surprises. The city is a mix of old Indian and Arabic architecture. The Island Bazaar is famous for selling souvenirs, and if you like to haggle, it is a wonderland.

Key Guidelines for Travelers in Maldives

The Maldives is a tropical paradise in more ways than one. Crime is almost non-existent in resort areas, and it is undoubtedly safe. However, as a tourist, you are in a foreign land, and unexpected incidents can happen at any time in any place. Keep the following points in mind before your visit.

• Crime outside of resorts – Most visitors to the Maldives stay at resorts, which are quite safe. However, should you choose to venture off resort grounds, you could be subject to petty crime such as pickpocketing, so stay aware.
• Timely travel – If you need to transit between islands, you’ll need to do so via seaplane or boat. Keep in mind that most of these services cease operations at sunset. Be sure not to get caught on a different island than your resort after dark, or you’ll be spending the night.
• Piracy – The threat of piracy and armed robbery of transiting boats still exists. Some pirates have been known to kidnap passengers and hold them for ransom. Utilize only licensed boat operators, and look into kidnap and ransom insurance.

Before You Travel to Maldives – Do This

• Avoid drug use at all costs – Maldives has strict laws involving illicit drug use. Even as a tourist, you could be subject to arrest and imprisonment if you violate them.
• Outside of resort islands, dress as the locals do – Keep your shoulders covered, and avoid tight-fitting clothing.
• Protect your finances from the uncertainties of international travel with travel medical insurance or travel insurance.

DISCLAIMER: The information within this article is intended as a broad summary of benefits and services and is meant for informational purposes only. The information does not describe all scenarios, coverages or exclusions of any insurance plan. The benefits and services of an insurance plan are subject to change. This is not your policy/certificate of insurance. If there is any discrepancy between the information in this article and the language of your policy/certificate wording, the language of the policy/certificate wording will prevail.