A Guide to Travel Insurance for Maldives

If you’re looking for a quick getaway on an island not too far from home, then the Maldives should be on top of your list. The Maldives is situated in the Indian Ocean, just 477 km from the coast of Kerala. The island nation is a perfect destination because it offers free Visa-on-arrival to Indian tourists.  

However, before you book your tickets and pack your bags, make sure you have international travel insurance for Maldives. Here, we explore why getting travel insurance for Maldives from India is necessary. 

Is Travel Insurance Mandatory for Travelling to Maldives?

No, travel insurance isn’t mandatory for travelling to the Maldives. However, you shouldn’t skip it. While the country has a lower crime rate and is overall a safe country for tourists, limited medical services are present, especially on the non-resort islands. 

Also, being an island nation, strong winds, and tidal currents increase the risk of tsunamis. And what if, in case, you lose your passport in transit? If you get travel insurance to Maldives from India, you won’t have to worry about these issues. 

Travel insurance protects you from the financial implications of falling sick, getting injured, and losing your belongings. It even covers the cost of evacuation during medical emergencies and natural disasters. 

Why Should You Buy Travel Insurance for Your Maldives Trip?

Here are six reasons you must get international travel insurance before heading to Maldives:

1. Flight Cancellation and Interruption Coverage

The primary benefit of travel insurance is coverage for flight cancellations and interruptions. Whether due to bad weather, airline strikes, or personal emergencies, having insurance means you can recover the costs of your non-refundable travel expenses.

2. Medical Coverage

Travel insurance provides essential medical coverage, including hospital stays, doctor visits, and emergency treatments. Considering the high cost of healthcare in some countries, having this coverage can save you from hefty medical bills and ensure you receive the necessary care without financial strain.

3. Luggage Protection 

Travel insurance protects baggage, compensating you for lost, stolen, or delayed luggage. This coverage can help you replace valuable items and continue your trip with minimal disruption.

4. Passport Recovery and Replacement Cover

You also get assistance in recovering a lost passport and reimbursement for the costs associated with obtaining a new passport. This benefit ensures you’re not stranded in a foreign country without the necessary documentation to return home.

5. Emergency Evacuation

Emergency evacuation coverage on international holidays becomes invaluable during a severe medical emergency, natural disaster, or political unrest. This benefit ensures you can be transported to a safer location or fly back home.

6. Trip Delay Coverage

Unexpected delays can disrupt your trip and lead to additional accommodation, meals, and transportation expenses. Trip delay coverage reimburses these costs, ensuring you’re not out of pocket for expenses caused by delays beyond your control.

How to Buy Travel Insurance to Maldives from India?

You can purchase travel insurance to Maldives from India online in just a few minutes. Here’s how:

Step 1. Visit a trusted insurance provider’s website and navigate to the travel insurance section.

Step 2. Enter your destination, start and end date, age, and any preexisting medical conditions, and provide your contact information. If you are travelling with family and friends, also provide their details to include them in your policy.  

Step 3. Based on the trip inputs you provide, different quotes will be shown to you. Review the policy’s terms and conditions and compare details like sum assured, premiums, inclusions, and exclusions. 

Step 4. If the policy suits your needs, complete the remaining formalities, make the payment, and prepare for your trip to the Maldives.

5 Things You Must Do in Maldives

When in Maldives, these things will elevate your experience:

• Go on Island Hopping: Every island in the Maldives has a unique character, whether you are in the capital city island of Male or exploring the exotic and private islands.
• Engage in Snorkelling: Maldives’ clear waters are home to unique underwater landscapes and diverse flora and fauna, making it a hot destination for snorkelling.
• Dive with Whale Sharks: In the South Ari Atoll Marine Protected Area, you can take part in diving and witness whale sharks all year round. 
• Live in an Overwater Bungalow: If you prefer a more relaxed vacation, you must experience the overwater bungalows spread across the island nation. 
• Visit the Dutch Onion Museum: Visit the Dutch Onion Museum in Raa Atoll to admire ancient and newer artefacts collected around the island.

Key Takeaways

By compensating you for delayed flights, cancelled trips, and lost luggage, travel insurance for Maldives ensures your quick and fun vacation doesn’t become a financial nightmare. It even covers hospital stays, doctor visits, and emergency treatment if you fall sick. Before you set off for the Maldives, make sure to safeguard your trip with travel insurance through PhonePe, so you can focus on creating memories instead of managing risks. So, don’t forget to get travel insurance before travelling to Maldives.