Morocco Travel Insurance Guide:
Plans, Coverage & Claims

From 500 MAD (pharmacy) to 5,000 MAD (clinic visit with IV fluids)

Drink bottled water, eat at busy stalls with high turnover, avoid raw salads at questionable venues, and carry oral rehydration salts.

Keep all pharmacy and clinic receipts. Get a medical report from the treating doctor even for minor visits.

From 3,000 MAD (minor sprain treatment) to 50,000 MAD+ (fracture with surgery)

Use reputable tour operators, wear proper footwear for trekking, always wear a helmet on quad bikes, and do not ride camels if you have back problems.

Photograph the accident scene and get a written incident report from your tour operator. This speeds up the claim significantly.

From 5,000 MAD (phone) to 30,000 MAD+ (camera, laptop, multiple items)

Use a money belt or cross-body bag, keep phones in front pockets, never leave valuables in parked cars, and use hotel safes.

File a police report (proces-verbal) at the nearest commissariat within 24 hours. Without a police report, most insurers will deny the claim.

From 1,000 MAD (meals, accommodation during delay) to 20,000 MAD+ (rebooking international flights)

Build buffer days into your itinerary, especially around connecting flights. Download your airline's app for real-time notifications. Consider travel insurance with trip delay coverage.

Keep all boarding passes, delay notifications, and receipts for meals and accommodation. Request a written delay confirmation from the airline.

From 10,000 MAD (minor injuries) to 500,000 MAD+ (serious injuries requiring surgery and rehabilitation)

Rent from reputable agencies with comprehensive insurance, avoid driving at night on rural roads, and always wear seatbelts. Consider hiring a private driver for mountain roads.

Call the Gendarmerie Royale (177) for any road accident. Their official report is essential for insurance claims. Photograph the scene from multiple angles.