Morocco Travel Insurance

Choose the Right Plan for Your Trip

A quality Morocco travel insurance plan covers potential medical expenses, possible medical repatriation, and unexpected travel disruptions, including when travelling to a country outside the European Union.

Contrary to popular belief, the fact that Belgian nationals do not need a visa for short stays in Morocco does not mean they are adequately covered for healthcare. Your Belgian health insurance fund only covers a limited portion of medical treatment in Morocco (provided you have requested the BM111 or BE-MAR111 form beforehand), and Moroccan hospitals may require full payment of medical costs before discharging a patient.

Key takeaways

Belgian nationals travelling to Morocco for less than 90 days do not require a visa, but a passport is mandatory (a national ID card is not sufficient).

The European Health Insurance Card (EHIC) is not valid in Morocco.

The BM111 form issued by your health insurance fund covers emergency healthcare, but not repatriation.

Medical repatriation is the most significant financial risk to anticipate, far exceeding standard consultation costs.

Vehicle roadside assistance is not available in Morocco.

The cost of Morocco travel insurance depends on the duration of the stay, travellers’ age and the level of coverage selected.

Morocco: A Growing Destination for Belgian Travellers

Morocco welcomed a record [19.8 million tourists in 2025, an increase of 14% compared to 2024](https://mtaess.gov.ma/fr/tourisme-le-maroc-atteint-un-seuil-historique-de-pres-de-20-millions-de-touristes and Social and Solidarity Economy.

Arrivals from Belgium increased by 10% over the same period, confirming the destination’s growing appeal , Spanish, British and Dutch tourists, as well as Moroccan expatriates returning home during holiday periods.

This growing popularity is also reflected in Morocco’s strong tourism safety ranking. According to the 2026 edition of the HelloSafe Tourism Safety Index, Morocco ranks as the safest country in Africa, with a score of 73g the world's 50 safest travel destinations.

However, this positive tourism outlook does not eliminate the need for proper healthcare preparation, as Morocco's healthcare system operates differently from Belgium's.

Why Take Out Travel Insurance for Morocco?

Morocco is not considered a high-risk health destination, but neither is it part of the European Union.

This distinction makes a major difference when it comes to healthcare coverage and is often misunderstood by Belgian travellers who mistakenly assume they are protected in the same way as elsewhere in Europe.

What Your Belgian Health Insurance Does (and Doesn't) Cover in Morocco

The [European Health Insurance Card/en_voyage/carte_europeenne is only valid within the European Union and a limited number of associated countries. Therefore, it does not apply in Morocco.

However, [Belgium and Morocco have signed a bilateral social security agreement](https://www.socialsecurity.be/citizen/fr/e-sociale, which entered into force in 2022. Before departure, you may request the BM111 form orm your health insurance provider. This document grants access to medically necessary treatment during your stay.

The BM111 form remains useful, but limited: reimbursement is based on Moroccan healthcare tariffs rather than Belgian rates, which may leave a significant out-of-pocket cost in the event of hospitalisation.

This is precisely where comprehensive travel insurance steps in, particularly regarding repatriation and advance payment of medical expenses.

Medical Repatriation: The Main Risk to Anticipate

In the event of a serious health issue (such as an accident, surgical emergency or complication requiring transport back to Belgium), organising and covering medical transportation can represent one of the largest and most difficult costs to manage independently, often amounting to several thousands or even tens of thousands of euros.

This is the most essential guarantee provided by travel insurance, often more important than reimbursement of routine medical expenses.

What Does Europ Assistance Travel Insurance for Morocco Cover?

All Europ Assistance travel insurance plans for Morocco include a common set of guarantees, which can be complemented with options tailored to your travel profile.

Depending on your needs, this base coverage can be supplemented with additional options:

Cancellation cover, marketed under the NoGo brand. Available as NoGo All In for a single trip or NoGo Annual to cover all reimburses booking costs if you need to cancel or modify your trip for a covered reason.

Sports and activities extension. Covers high-altitude hiking, Atlas Mountain trekking and other moderate-risk activities.

Baggage cover. Protects your luggage against theft, loss or damage.

For trips to Morocco, which falls within the Worldwide Zone, some plans (Annual Smart and Long Trip) provide [medical expense reimbursement limits abroad of **up to €mart.

Travelling to Morocco soon? Compare our travel insurance plans and find the one that best matches the length and purpose of your trip.

Entry Requirements for Belgium Residents Travelling to Morocco

Visa or Passport: What Do You Need for a Trip to Morocco?

Before discussing healthcare coverage, it's important to understand the [entry requirements for Morocco](pays/maroc/voyager-au-maroc-conseils-aux-voyageurs/informations-pratiques-pour-le-maroc.

No, Morocco does not require travel insurance for standard tourist visits.

However, it is strongly recommended, as neither the Belgian Embassy nor Belgian consulates can cover your medical expenses while abroad.

Which Morocco Travel Insurance Should You Choose Based on Your Stay?

Europ Assistance Travel Insurance Solutions for Morocco

For a Short Holiday or Business Trip

For trips lasting from a few days to several weeks, temporary travel insurance provides comprehensive coverage for the entire duration of your stay.

Take out Worldwide Temporary Travel Insurance →

For Frequent Travel Throughout the Year

If you travel to Morocco or abroad several times per year, or combine this trip with other destinations, annual travel insurance is generally the most cost-effective choice.

Since Morocco falls within the Worldwide Zone, make sure to select this geographical coverage option rather than Europe-only coverage when purchasing your policy.

Take out Annual Travel Insurance →

Expatriation, Studies or Long-Term Stay in Morocco

Planning to spend more than three months abroad for studies, expatriation or a long-term assignment?

The Long Trip plan has been specifically designed for this type of traveller.

Take out Long Trip Travel Insurance →

Taking Out Morocco Travel Insurance Online

Purchasing your policy is done entirely online on europ-assistance.be and only takes a few minutes.

Simply enter your travel dates, the number of travellers and the plan you wish to purchase. Your insurance certificate will then be sent to you by email immediately after payment.

Morocco Travel Insurance Cost: How Much Does It Cost?

With Europ Assistance, a temporary travel insurance policy for a 15-day trip to Morocco costs just under €100.

However, the price depends on three main factors:

Length of stay. Daily rates generally become more advantageous for longer trips.

Age of travellers. Seniors typically pay a higher premium.

Level of coverage. Pricing varies depending on medical expense limits and the optional guarantees selected.

Our advice: Don't choose your travel insurance based solely on price. A low-cost plan with limited coverage may not adequately protect you in the event of a serious incident.

Everything You Need to Know About Driving in Morocco

Green Card and Border Insurance: What to Check Before Departure

Morocco is one of the countries where you must carry the [international motor e-a-letranger/validite-de-la-carte-verte/ when crossing the border.

Check the coverage area. Morocco must appear on your green card and must not be crossed out.

If Morocco is crossed out, you will need to purchase border insurance directly upon entering Morocco.

Without this coverage, you may be denied entry with your vehicle.

Driving Licence and Car Rental in Morocco

If you choose to rent a vehicle locally, a Belgian driving licence in the standard European format is sufficient for a tourist stay.

However, be careful when choosing a rental provider. Excess amounts, security deposits and additional insurance conditions can vary significantly between companies.

Important

Vehicle roadside assistance does not apply in countries outside Europe.

What Should You Do in the Event of a Medical Emergency in Morocco?

Important Emergency Numbers

What to Do If You Need Medical Assistance

If circumstances allow, contact Europ Assistance before seeking medical treatment so our team can direct you to a suitable healthcare facility and liaise directly with the hospital on your behalf.

Always keep original medical reports and invoices. If you need to pay upfront for treatment, request detailed invoices, as these will be required when submitting your reimbursement claim.

As you can imagine, a medical emergency far from home can quickly become a major source of stress.

Discover our Morocco travel insurance plans and travel with complete peace of mind.

FAQ – Your Questions About Morocco Travel Insurance

Why Do I Need Travel Insurance for Morocco If Belgium Has a Social Security Agreement With Morocco?

The bilateral agreement allows access to emergency medical care through the BM111 form, reimbursed according to Moroccan healthcare rates. However, it does not cover repatriation, hospital advance payments or 24/7 assistance services.

What Is the Best Travel Insurance for Morocco?

The best choice depends on your travel profile. For a short holiday, a temporary policy is usually sufficient. For multiple trips throughout the year, annual travel insurance is often more cost-effective. For stays exceeding three months, the Long Trip plan is generally the most suitable option.

How Much Does Travel Insurance for Morocco Cost?

Prices start at €11.99 for a one-day trip, while a 15-day trip generally costs just under €100 with a temporary travel insurance policy.

Does My Bank Card Include Travel Insurance for Morocco?

Some premium credit cards include travel insurance benefits. However, coverage limits are often insufficient in the event of hospitalisation or medical repatriation.

Do I Need a Visa to Travel to Morocco From Belgium?

No. A visa is not required for tourist stays of less than 90 days. A valid Belgian passport is sufficient.

Does Travel Insurance Cover Trip Cancellation to Morocco?

Trip cancellation cover is generally available as an optional guarantee. It reimburses non-refundable travel expenses if you need to cancel your trip for a covered reason.

Is My Personal Vehicle Automatically Insured in Morocco?

No. Vehicle roadside assistance is not available in Morocco.

You should verify that Morocco is included within the geographical coverage area shown on your motor insurance green card.

What Exactly Does Medical Expense Insurance Cover in Morocco?

A comprehensive policy typically covers hospitalisation costs, medical consultations, prescription medication purchased locally and medical repatriation when required.

Can I Purchase Travel Insurance for Morocco After Booking My Flight?

Yes. Travel insurance can generally be purchased up until the day before departure.

Does Your Insurance Cover Stays Longer Than Three Months?

For extended stays abroad, whether for studies, expatriation or a long-term project, the Long Trip plan has been specifically designed to provide coverage suited to long-term international travel.