Travel Insurance Maldives

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The Maldives, an island nation located in the Indian Ocean, is widely regarded as an adventure enthusiasts’ paradise. As one of the best places to relax and explore the depths of the sea, the country is worth travelling for underwater adventures like scuba diving and snorkelling as well as relaxing in underwater hotels and overwater bungalows. 

To enjoy your visit to the Maldives to the fullest, however, it is necessary to secure Maldives travel insurance from the UAE. The following sections will provide insights into how to secure Maldives travel insurance, the need for travel insurance, the associated documents for travel insurance, and the cities and destinations worth a visit in the country.

How to Get Travel Insurance Online for Travelling to the Maldives from UAE?

You can get Maldives travel insurance easily on Policybazaar UAE. Policybazaar.ae offers a plethora of outbound travel insurance plans from the UAE that you can view and compare to buy the most suitable plan for your travel. Moreover, when you purchase travel insurance for the Maldives with Policybazaar UAE, you get exclusive offers and discounts on premiums. 

To purchase travel insurance from policybazaar.ae, you can simply visit our website and –

  • Click on the ‘Travel Insurance’ tab and select the ‘Outside UAE’ option. 
  • Mention the trip type – single or annual multi-trip.
  • Enter the trip dates and the country you need to travel to (the Maldives in this case). 
  • Provide the number of travellers for the trip and all other requested details in the lead form. You will be directed to the travel insurance quotes page, where you can compare the plans and select the travel insurance policy that suits your requirements. 

When you purchase the Maldives travel insurance from Policybazaar UAE, you will also be eligible for impeccable after-sales service and customer care if you are stuck anywhere in the process. 

The Maldives Travel Insurance

The Maldives travel insurance is crucial if you plan to travel to the island nation. Such an insurance plan can financially secure you against any unfortunate incident that happens throughout the trip, be it during adventure activities or while exploring the cities. 

Travel insurance for the Maldives also provides coverage in case of any medical emergency. Moreover, a comprehensive Maldives travel insurance plan also covers you against COVID-19 and other medical emergencies. 

Do I need Travel Insurance for the Maldives?

While travel insurance is not mandatory in the Maldives, it is highly recommended to purchase travel insurance for the Maldives to have assistance at the time of unexpected accidents, injuries, and loss of belongings while travelling. This insurance will also cover you against trip cancellation in case of an emergency. 

Besides the mentioned benefits, you can also get cashless emergency medical treatment with this travel insurance plan, which could prove beneficial especially if you are not carrying enough cash and have a narrower credit limit. The cashless medical treatment does not require the policyholder to pay any amount upfront, with the insurer settling the amount. 

Some of the key benefits of The Maldives travel insurance are –

  • COVID-19 Coverage - Your Maldives travel insurance will cover you against COVID-19, the mandatory 14-day quarantine, RT-PCR test, and the related treatment in the Maldives.
  • Journey Cover - The insurance plan can provide cover in case of any delay or flight cancellation. 
  • Medical Attention - In case you or one of your fellow travellers end up falling sick during the trip, you will be financially covered for the emergency hospitalisation and treatment. It is important to note here that the cover for pre-existing medical conditions is generally absent from the Maldives travel insurance. 
  • Loss of Personal Belongings - With this inclusion, you will be financially covered or receive a reimbursement if your checked-in baggage is lost, damaged, or delayed in transit. 
  • Loss of Passport - You will be compensated for the expenses you incur while you procure a copy of your UAE passport lost during the trip. 
  • Other Benefits - Some of the other benefits and covers in the Maldives travel insurance include medical evacuation, repatriation of remains, cashless hospitalisation, adventure sports, and more. 

Travel Insurance for the Maldives: Types

The following are the major types of travel insurance for the Maldives –

1. Single Trip Travel Insurance 

As one of the most purchased insurance plans in the UAE, this Maldives travel insurance policy is suitable for non-frequent travellers. It comes into effect the moment the trip begins and ends once a trip is concluded. The plans include –

  • Family Travel Insurance the Maldives - This travel insurance plan covers all the family members travelling abroad. The upper limit of the age group, however, varies as per the plan types. Generally, most plans cover individuals in the age range of between 3 months and 65 years. 
  • Individual Travel Insurance - The covers and benefits in this plan, as indicated by the name, are applicable only to an individual policyholder here 
  • Senior Citizen Travel Insurance - This travel insurance plan is particularly designed for people older than 65-70 years of age. However, take note that there is a minimum and maximum age limit for these travel insurance plans as well.

2. Annual Multi-Trip Travel Insurance

 Unlike its single-trip counterpart, this travel insurance plan has an annual validity and offers coverage for multiple trips to the Maldives. The plan is ideal for people who travel to the country at least thrice a year, whether for work or family trips. 

Irrespective of the purpose of travel, you should secure Maldives travel insurance to travel stress-free to the island country from the UAE. By having a suitable plan for the same, you can reduce the emergency financial and medical liabilities that you may face during the trip. 

The Maldives Visa Requirements

If you are traveling to the Maldives, you will be issued a tourist visa (provided you don’t intend to gain employment in the island country). The tourist visa for the Maldives will be issued 30 days from the day you enter the country. 

As a citizen of the UAE, you can obtain a visa of up to 30 days, with the visa being issued upon arrival. For this, you need to keep the following things in mind –

1. Check your passport's current status 

Each traveller must have a passport that will be valid for at least 90 days after their date of departure to the Maldives. For safety, however, it is advised to ensure that your passport is valid for at least six months.

2. Ensure that the visa pages in your passport are empty 

The majority of places, including the Maldives, demand that you have enough blank pages in your passport to accommodate the necessary arrival and exit stamps. Prior to any international journey, your passport's visa section should contain at least two free pages.

3. Verify whether a transit visa is necessary 

 If your trip to the Maldives includes any international transit sites, you should check with your airline the terms and formalities applicable there. It is possible that some of the nations that you pass through on the way to your location may demand a different transit visa.

Best Places To Visit in Maldives

Documents Required to Travel from UAE to the Maldives

The following documents and items must be kept ready to travel in the country as a tourist –

  • A passport that is valid for at least a month
  • A ticket to continue the trip through and outside the Maldives, if required
  • Sufficient funds to stay in the Maldives 
  • Verification document stating that you have a reservation in a tourist resort or a hotel
  • Emirates ID

Pro Tip: Besides the mentioned documents, make sure that you carry your medical certificates and prescriptions to avoid any unwanted medical expenses. 

The exotic Maldives, with its vibrant culture, captivating waters ports, and locations that can appeal to each type of traveller, are notably hidden away from the stresses of city life. There are several special things to do in the Maldives, from diving deep into the wonders of marine life to learning about the local culture. 

In the Maldives, there are many places to see - diverse atolls that provide thrilling watersports for you to participate in, numerous activities including parasailing, surfing, kiteboarding, and others, etc. Alternatively, you could visit the nearby markets to buy handicrafts, trinkets, sarongs, apparel, and more. 

With plenty of places to visit and things to do in the Maldives, the following are some places worth exploring in the Maldives once you have secured a visa and Maldives travel insurance –

  • Male - You can explore the capital city of the Maldives for its scenic beauty and adrenaline rush-inducing water sports. The city hosts a number of scenic sites and historic museums. Remarkably, it also has an artificial beach where you can participate in several water sports like swimming, kayaking, and wakeboarding. 
  • COMO Cocoa Island - This location is a must-visit if you wish to experience luxury at its finest, with the island being renowned for its opulent villas offering 5-star service. When you visit this gorgeous island, the crystal-clear blue ocean and fine white sand beaches can quickly entice you. Scuba diving, snorkelling, and tranquil spa retreats are among the top highlights of the COMO Cocoa Island.
  • Vadhoo Island - When you visit Vadhoo Island, you can participate in numerous activities such as scuba diving, kayaking, and more. Additionally, the island also offers you the space for relaxation owing to the spa treatments and enjoying the natural phenomenon called ‘bioluminescence’. 
  • Addu Atoll - Addu Atoll is the southernmost atoll in the Maldives, with the Gan Island being one of the many stunning islands that make up this popular atoll. Each of the islands is fringed with tall, shady coconut palms, and thickly populated with tidy small settlements. You can dive, snorkel, and fish while visiting Addu Atoll for some exquisite experiences! 
  • Maafushi - Maafushi Island, one of the most renowned tourist destinations in the Maldives, boasts the largest beach in the nation as well as various exciting and enjoyable activities. Shark diving, scuba diving, snorkelling, and dolphin watching are the most popular activities on Maafushi Island. 
  • Fulhadhoo Island - Among the most enthralling activities preferred by visitors on the Fulhadhoo Island are diving, snorkelling, and undertaking explorations for turtles and dolphins. During their vacation to this magnificent island, tourists also spend some time swimming in the azure lagoons and unwinding at the opulent beach resorts. The rich culture of this fantastical Maldivian island can also be experienced by taking a quick stroll around the eastern settlement.

Best Times to Visit the Maldives

The months of November through April make for an ideal time to visit the Maldives. The weather is hot and tropical, with average highs consistently between 29°C and 31°C and average lows frequently dropping below 24°C. 

The resort industry's busiest time is from January to April as these are the driest months with the least amount of rain and humidity. From May to December, besides high temperatures, rains and storms are more probable. However, there are frequently extended periods of bright sunshine even throughout this time. This is still a popular time to visit due to the attractive prices and offerings.

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What is the difference between single-trip Maldives travel insurance and annual multi-trip travel insurance?

Single trip insurance is framed for individuals who plan to take only one or two trips to the island country. Multi-trip policies, on the other hand, are for individuals who travel frequently to the country for business-related purposes. 

Is it necessary to secure a Maldives travel insurance plan?

It is not necessary to purchase travel insurance for the Maldives. However, it is advisable to purchase the travel insurance plan as it will cover any emergency medical expenses and financial security in case of loss of baggage.

Can you purchase travel insurance for the Maldives after booking your trip?

Yes, as long as you go for the purchase before you leave for the trip and board your aircraft, you can get a travel insurance plan after you've made your travel arrangements.

Is the number of days that your Maldives travel insurance policy covers for trip restricted?

Nearly all travel insurance providers have a maximum number of days that are covered, with the number depending on the provider. The typical amount of time for which the coverage is provided is 90 days of travel.

How does delay in baggage cover works in Maldives travel insurance?

Travel insurance providers offer you a pre-determined amount as a reimbursement up to the highest limit of the bag delay cover in the insurance if your checked baggage is delayed for longer than the allowed number of hours.

What all is not covered under your Maldives travel insurance?

Travellers' health insurance does not cover illnesses or accidents caused by unlawful or suicidal activities. Similarly, substance misuse, warlike conditions, non-medical costs, cosmetic procedures, pregnancy difficulties, and others are also excluded.

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