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Travel Insurance for the Maldives

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Get peace of mind with Maldives holiday insurance

Known for its crystal clear waters and luxury water villas, the Maldives offers a peaceful, relaxing holiday, soaking up the sun with views of the Indian Ocean. For the adventure-seekers, there are activities like snorkelling and diving, offering the chance to admire coral reefs and marine life like manta rays. With the average trip to the Maldives costing between £2,000-£4,000+, it’s important to secure a Travel Insurance for the Maldives policy with adequate cancellation cover to protect your investment, along with cover for any pre-existing medical conditions. 

Take Specialist Travel Insurance to the Maldives

Arranging Travel Insurance that covers your specific needs is the best way to help you prepare for your trip to the Maldives and travel with peace of mind. Travel Insurance for the Maldives protects you in a range of unexpected circumstances that could come up during your trip, such as sudden illness or injury, cancellation, curtailment (having to cut your trip short), baggage loss, and more. At Just Travel Cover, we can help you arrange holiday insurance for the Maldives with no upper-age limits and cover for hundreds of pre-existing medical conditions, helping you prepare for the unexpected and enjoy your trip with confidence. Whether you’re chasing the perfect wave surfing, or enjoying a relaxing break to switch-off, we’ll be happy to help find the right cover for you.

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Tips for Your Trip to the Maldives

As a bucket-list destination for many, the Maldives offers an unforgettable, once-in-a-lifetime experience. Here are our top tips to help make your trip memorable for all the right reasons.

Ensure Adequate Cancellation Cover

Nobody likes to think about cancelling a carefully-planned, long-awaited trip. But sometimes, it’s necessary due to events beyond your control, whether sudden illness or the unexpected loss of a loved one. For higher-value trips like the Maldives, it’s important to make sure your cancellation policy more than covers the cost of your holiday to help you recover funds should you need to cancel unexpectedly. At Just Travel Cover, our policies offer up to £12,500 cover per person as standard, but if you think you’ll need more, our Top-Up Cancellation offers up to an additional £50,000 cover per person for peace of mind.  

Timing is Key

For the best-quality sunshine and less rainfall, it’s best to visit the Maldives between mid-December and March. During this time, you can expect higher temperatures of around 30℃ and excellent water visibility for diving. May-October is generally the monsoon season, but although frequent, rain is often intermittent, so if you’re willing to put up with the occasional shower you could enjoy lower prices for accommodation. 

Currency & Tipping

US Dollars (USD) are widely accepted across resorts and appreciated when leaving tips, while the Maldivian Rufiyaa (MVR) is the official currency and is best used in more local places to support local businesses and avoid unfavourable exchange rates. Cards are accepted in most places, though it’s always best to have some cash just in case.

 

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Alcohol Policy

The Maldives is a Muslim country, and as a result alcohol is prohibited on the local islands. Exceptions are made in tourist resorts, but be mindful if travelling between islands and make sure to adhere to the local customs to avoid any legal issues. 

Dress Appropriately

Swimwear is fine on resort islands and designated “bikini beaches”, but make sure to dress conservatively on the local islands. Depending on where you plan to visit, you may require a Malé (a garment used to cover the  shoulders and knees). Always check specific travel advice for the area you are visiting.

Booking Activities

If you plan on doing any activities like snorkelling, diving, or sandbank visits, booking these directly with locals on the inhabited islands can sometimes help you save money compared to resort prices. Make sure your policy includes any activities planned, as some are included as standard while other, higher-risk activities will require extra cover for an additional premium.

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Travel Insurance for the Maldives FAQs

What does Travel Insurance to the Maldives include?

Travel Insurance for the Maldives includes a range of different cover items to help protect your finances both before and during your trip, including:

  • Emergency medical expenses – allowing you to claim for treatment in a medical emergency, which can often be costly abroad.
  • Cancellation/curtailment – in the event you need to cancel or cut short your trip due to unforeseen circumstances (e.g. illness, injury, or bereavement)
  • Repatriation – covering the costs of getting you home in a medical emergency.
  • Pre-existing medical conditions – including associated treatment for these abroad should you experience a flare-up in symptoms and need medical assistance.
  • Baggage cover – protecting your personal belongings in the event they become lost, stolen or damaged. 

Most people prefer not to think about anything going wrong on their travels, especially on a high-value, luxury holiday like the Maldives. With specialist Travel Insurance in place, you can travel with confidence knowing that, should something unexpected come up, you don’t have to worry about ending up out of pocket.

Do I need additional cover for water sports in my Maldives Travel Insurance policy?

This depends on the activities you have planned. Many watersports are covered in our standard Activity Pack (‘Pack A’) meaning there will be no additional charge, including snorkelling and amateur surfing. Some activities are considered higher-risk, such as scuba diving, and jet skiing, which you can get specialist cover for under ‘Activity Pack B’. It’s important to make sure your insurance specifically covers any activities you plan on undertaking during your trip to avoid any later claims being rejected should you get into an accident. Always read the policy wording carefully to make sure you know what is and isn’t covered under your agreement. 

What is the best Travel Insurance for the Maldives?

The best Travel Insurance for the Maldives policy largely depends on your individual circumstances. At Just Travel Cover, we make it easy to compare Travel Insurance policies using our simple quote form. Simply tell us your age, where you’re headed, how long for, any pre-existing conditions or activities that apply, and we’ll present you with a list of options tailored to your needs. These are split into bronze, silver, and gold so you can compare cover levels and choose the right cover for you. 

Is cruising included in holiday insurance for the Maldives?

No. If your trip to the Maldives is part of or involves a cruise, you’ll need specific Cruise Travel Insurance to make sure you’re protected. Many cruise lines now make cruise-specific Travel Insurance a mandatory requirement, to protect you against more unique risks associated with cruising such as cabin confinement, missed port departures, and more. 

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