What are the best travel insurances for Comoros in 2025?
- The best travel insurance plans for Comoros
- Is it currently safe to travel to Comoros?
- Is travel insurance required by law to enter Comoros?
- Why take out travel insurance for Comoros?
- Travel insurance coverage for Comoros
- What is the cost of travel insurance for Comoros?
- How to Pay Less for Your Travel Insurance to Comoros
- Current insurance coverage in Comoros
- FAQ
Travel insurance for Comoros: key takeaways
1. Definition: Travel insurance for Comoros covers medical emergencies, trip cancellation, and repatriation costs.
2. Key protection: Insurance is not mandatory but is vital due to Comoros' limited medical facilities.
3. Healthcare cost: Medical evacuation from Comoros can be extremely expensive, costing tens of thousands of dollars.
4. Price: A one-week travel insurance plan for Comoros typically costs between $30 and $60.
6. Good to know: The U.S. has no embassy in Comoros; consular services are based in Madagascar.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Comoros.
The best travel insurance plans for Comoros
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Optimal for travel to Comoros with robust health cover.high reimbursement ceilingrepatriationflexible policy terms |
| Cap Assistance 24/24 | $1.1M | Reliable for emergencies in Comoros.24/7 assistanceno deductibleincludes trip cancellation |
| Tourist Card | $550k | Practical for short or leisure stays.emergency medical coverfast claimsemergency help included |
| Travel Pass Monde | $770k | Good fit for extended trips in Comoros.hospital and doctor feesrepatriationclear contract wording |
| Globe Partner | $330k | Meets essential needs for most travelers.covers medical care abroadincludes repatriationpersonal liability |
| Globe Traveller | $550k | Suits shorter or low-risk visits.essential health coverefficient claimscapped reimbursement |
Is it currently safe to travel to Comoros?
As of June 2025, the US Department of State assigns Comoros a Level 2: exercise increased caution advisory. This status is due to periodic civil unrest and the limited capacity of local authorities to respond to emergencies.
Here are their four main recommendations.
- Security risks: spontaneous protests and political demonstrations occur, especially in Moroni, and have, at times, turned violent or resulted in property damage. Travelers should avoid crowds and monitor local news.
- Health risks: malaria and cholera are common and require preventive steps such as vaccines and prescription medication. Medical services are very limited, particularly on Anjouan and Mohéli islands.
- Legal requirements: a visa is required for entry and is available upon arrival. An onward or return ticket must be shown, and travelers need at least one blank passport page.
- Environmental factors: frequent tropical rainstorms can disrupt ferry crossings between islands, occasionally stranding visitors on Grande Comore for several days.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Comoros.
Is travel insurance required by law to enter Comoros?
No, travel insurance is not mandatory for travelers from the US to enter Comoros.
However, it is highly recommended. Health facilities in Comoros are limited, especially outside Moroni, and private clinics often require proof of advance payment or membership. Costs can increase quickly if medical evacuation, hospitalization, or specialist care are needed. Travel insurance ensures you have access to adequate care and emergency repatriation if necessary.
According to our data, 80% of travelers purchase travel insurance before going to Comoros. This is due to the limited local health system and potential for expensive medical evacuations.
Why take out travel insurance for Comoros?
It is an essential financial and medical protection for anyone going to Comoros.
Health costs in Comoros can be high because public hospitals in Moroni and other cities are under-equipped, and care at private clinics such as Clinique Djoumoili often requires up-front payment and membership. Medical evacuations to Mayotte or Madagascar are frequently necessary due to the limited local infrastructure, resulting in significant costs.
Travel insurance covers medical expenses, hospitalization, medications, ambulance transport, and emergency repatriation to the US in the event of a serious issue.
Here are some examples of healthcare costs in Comoros.
| Example of medical treatment | Cost at Clinique Djoumoili | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | KMF 700,000 (about $1,520) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | KMF 480,000 (about $1,040) | up to 100% |
| I need to be repatriated | KMF 11,000,000 (about $23,850) | up to 100% |
| I have appendicitis (consultation and surgery) | KMF 2,200,000 (about $4,770) | up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
Travel insurance coverage for Comoros
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers hospital care, treatment for illness or injury, and medical consultations abroad. We recommend a minimum reimbursement limit of $100,000 due to limited local health care. |
| 🚑 Medical evacuation | Pays for transport to another country if adequate care isn't available locally. A minimum of $150,000 is strongly advised for Comoros. |
| 🛄 Baggage insurance | Protects against loss, theft, or damage of luggage and belongings. A suggested limit is at least $1,200 per traveler. |
| ❌ Trip cancellation | Reimburses costs if you must cancel before departure or cut your trip short due to emergencies. A recommended coverage limit is $4,000. |
| 👨⚖️ Personal liability | Covers costs if you unintentionally injure someone or damage property. Choose a minimum reimbursement limit of $50,000. |
| 📞 24/7 assistance | Provides emergency help at any time, including translation and service coordination. No fixed amount needed, but global coverage and direct partner network are essential. |
| 💊 Emergency medications | Covers urgent prescription drugs when you cannot access regular supplies. A minimum limit of $1,500 is advised. |
We recommend a minimum reimbursement limit of $100,000 due to limited local health care.
A minimum of $150,000 is strongly advised for Comoros.
A suggested limit is at least $1,200 per traveler.
A recommended coverage limit is $4,000.
Choose a minimum reimbursement limit of $50,000.
No fixed amount needed, but global coverage and direct partner network are essential.
A minimum limit of $1,500 is advised.
Travel insurance from local providers or bank cards usually has low reimbursement ceilings, limited geographic coverage, and many exclusions. For better safety and support, it is best to choose a trusted insurer with comprehensive cover. Compare leading options on HelloSafe for fast online sign-up and immediate proof.
What is the cost of travel insurance for Comoros?
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $40 |
| 2 weeks | 45 years old | $75 |
| 1 month | 35 years old | $125 |
| 1 month | 70 years old | $200 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance for Comoros depends on several factors: your age, trip duration, coverage limits, and selected options like medical evacuation. Due to the destination's health risks and limited medical care, carefully considering these elements is vital to find a policy that fits your needs and budget for a safe journey.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to Pay Less for Your Travel Insurance to Comoros
Here are some suggestions to optimize the cost of your travel insurance to Comoros while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🏥 Level of coverage | Health care is limited in Comoros, and medical evacuation to a different country may be necessary. | Prioritize high medical and evacuation coverage while avoiding expensive extras unrelated to your needs. |
| 🕒 Trip duration | Longer stays increase premiums. Accurate trip dates limit unnecessary days of paid coverage. | Insure only the days of your trip for Comoros to prevent paying for unneeded extra coverage. |
| 👵 Traveler's age | Insurers vary in pricing for age. Older travelers may face higher rates with some companies. | Always compare offers by age band. The insurer Heymondo does not increase its prices for people over 62. |
| ✈️ Activities planned | Diving, hiking, or boating may not be included in standard coverage and can raise costs if broadly selected. | Only include coverage for planned activities and decline options for those you will not participate in. |
| 🚑 Medical evacuation | Local facilities are basic, and costly evacuation to Madagascar or beyond may be needed in an emergency. | Choose policies focusing on medical evacuation and eliminate optional travel delay benefits to lower the cost. |
| 🧳 Baggage protection | Theft and baggage loss risks exist, but Comoros is not a high-risk destination for luggage claims. | Select minimal baggage coverage if you are traveling light or only with essentials. |
| 👨👩👧👦 Family/group plans | Group policies can significantly reduce per person insurance costs compared to buying policies individually. | Consider group insurance if traveling with others to benefit from multi-person discounts. |
Current insurance coverage in Comoros
It is completely legitimate to wonder whether your existing coverage, such as public health insurance or credit card insurance, can protect you during a trip to Comoros. Unfortunately, these coverages are often limited or insufficient and may leave significant gaps, especially for medical or evacuation costs abroad.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Comoros? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage outside the US, no medical evacuation, no repatriation, no local hospital coverage. | Travel insurance covers $100,000+ for medical care and evacuation support. |
| Private health insurance (Cigna, Blue Cross Blue Shield) | Yes, partly | May reimburse some overseas medical emergencies, but usually not evacuation or trip disruption. | Travel insurance offers up to $500,000 and full repatriation coverage. |
| Classic credit card (Chase Freedom, Citi Simplicity) | Yes, partly | Emergency medical up to $10,000, limited baggage loss, no trip cancellation after booking. | Travel insurance covers $100,000+ and includes trip cancelation/luggage. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Capital One Venture X) | Yes, partly | Medical emergencies up to $50,000, some trip delay or lost baggage reimbursement. | Travel insurance provides $250,000+ and includes emergency evacuation. |
Example
While diving in Comoros, Mark suffered a severe case of decompression sickness. A necessary medical evacuation to Réunion cost $50,000. His Chase Sapphire card's insurance covered only $10,000, and his U.S. health plan excluded foreign evacuations. Mark was left responsible for the remaining $40,000, a devastating cost for his trip.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Critical situations, like trip interruption for a relative's illness, may be excluded. Read the fine print carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe to dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Comoros?
Yes, U.S. citizens need a visa to enter Comoros. However, visas are available for purchase on arrival at the airport. You will need a valid passport, an onward or return ticket, and at least one blank page in your passport. No vaccinations are required for entry as of the latest advisory.
How do I purchase travel insurance for Comoros?
To purchase travel insurance for Comoros, start by comparing available plans using the HelloSafe travel insurance comparison tool. Carefully review coverage and exclusions that are relevant for Comoros, such as medical evacuation and tropical disease protection. After selecting the right policy, buy it online. You will then receive your insurance certificate electronically.
Does travel insurance for Comoros include medical evacuation?
Most travel insurance policies for Comoros offer optional medical evacuation coverage, which is strongly recommended due to the limited medical facilities in the country. In case of a serious illness or accident, evacuation to a country with better-equipped hospitals may be necessary, and costs can exceed $40,000 without insurance.
What health risks should I consider when traveling to Comoros?
Malaria is prevalent in Comoros, including chloroquine-resistant strains. The risk of cholera, dengue, and chikungunya is also present. Make sure your travel insurance covers these illnesses and always bring prescribed malaria medication, use mosquito repellents, and drink only bottled or properly treated water.
What should I do if I need urgent medical care in Comoros?
If you require urgent medical care in Comoros, contact your travel insurance provider immediately using their emergency hotline. Due to limited local facilities, you may be transferred to a hospital in another country for proper treatment. Keep your insurance certificate and all contact details accessible at all times.
How much does travel insurance for Comoros usually cost?
For most travelers, comprehensive travel insurance for Comoros costs between $6 and $12 per day, depending on your age, trip length, and coverage choices. Policies covering medical evacuation, trip interruption, and tropical diseases are usually higher in cost, but essential for a safe trip.
Do I need a visa to travel to Comoros?
Yes, U.S. citizens need a visa to enter Comoros. However, visas are available for purchase on arrival at the airport. You will need a valid passport, an onward or return ticket, and at least one blank page in your passport. No vaccinations are required for entry as of the latest advisory.
How do I purchase travel insurance for Comoros?
To purchase travel insurance for Comoros, start by comparing available plans using the HelloSafe travel insurance comparison tool. Carefully review coverage and exclusions that are relevant for Comoros, such as medical evacuation and tropical disease protection. After selecting the right policy, buy it online. You will then receive your insurance certificate electronically.
Does travel insurance for Comoros include medical evacuation?
Most travel insurance policies for Comoros offer optional medical evacuation coverage, which is strongly recommended due to the limited medical facilities in the country. In case of a serious illness or accident, evacuation to a country with better-equipped hospitals may be necessary, and costs can exceed $40,000 without insurance.
What health risks should I consider when traveling to Comoros?
Malaria is prevalent in Comoros, including chloroquine-resistant strains. The risk of cholera, dengue, and chikungunya is also present. Make sure your travel insurance covers these illnesses and always bring prescribed malaria medication, use mosquito repellents, and drink only bottled or properly treated water.
What should I do if I need urgent medical care in Comoros?
If you require urgent medical care in Comoros, contact your travel insurance provider immediately using their emergency hotline. Due to limited local facilities, you may be transferred to a hospital in another country for proper treatment. Keep your insurance certificate and all contact details accessible at all times.
How much does travel insurance for Comoros usually cost?
For most travelers, comprehensive travel insurance for Comoros costs between $6 and $12 per day, depending on your age, trip length, and coverage choices. Policies covering medical evacuation, trip interruption, and tropical diseases are usually higher in cost, but essential for a safe trip.
