Best Travel Insurance Plans for Libya in 2025
- The best travel insurance plans for Libya
- Is it currently safe to travel to Libya?
- Is Travel Insurance Required to Enter Libya?
- Why take out travel insurance for Libya?
- What should travel insurance for Libya cover?
- The Cost of Travel Insurance for Libya
- How to pay less for your travel insurance to Libya
- Can I rely on my current insurance to cover me in Libya?
- FAQ
Travel insurance for Libya: key takeaways
1. Definition: Travel insurance for Libya covers medical emergencies, evacuation, and other risks in a high-risk zone.
2. Warning: The U.S. State Department advises against all travel to Libya due to extreme safety risks.
3. Key protection: Insurance is not mandatory but essential for medical evacuation and assistance in a volatile country.
4. Price: Expect to pay several hundred dollars for a one-week specialist high-risk policy for Libya.
5. Good to know: Standard travel insurance is typically void due to the U.S. "Do Not Travel" advisory.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 42 travel insurance policies available in the United States, our experts share here everything you need to know to choose the best travel insurance for Libya.
The best travel insurance plans for Libya
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | 1.1M USD | Top-tier protection for Libya with extensive medical and evacuation support. - high coverage cap - repatriation assistance - robust contract clarity |
| Cap Assistance 24/24 | 1.1M USD | Versatile plan for unforeseen events and medical needs in Libya. - 24/7 assistance - clear emergency protocols - cancellation and interruption included |
| Tourist Card | 550k USD | Adapts well for planned tourism or business stays. - solid basic health cover - rapid emergency response - trip interruption option |
| Travel Pass Monde | 770k USD | Good for longer stays with comprehensive care and support. - evacuation guarantee - hospital expenses covered - broad geographic range |
| Globe Partner | 330k USD | Efficient, essential plan for international protection. - overseas medical support - repatriation - civil liability included |
| Globe Traveller | 550k USD | For shorter trips to Libya with core protection and fast claims. - simple coverage - medical repatriation - straightforward claim processing |
- high coverage cap
- repatriation assistance
- robust contract clarity
- 24/7 assistance
- clear emergency protocols
- cancellation and interruption included
- solid basic health cover
- rapid emergency response
- trip interruption option
- evacuation guarantee
- hospital expenses covered
- broad geographic range
- overseas medical support
- repatriation
- civil liability included
- simple coverage
- medical repatriation
- straightforward claim processing
Watch out!
These are the insurers we generally recommend for their quality of service and value for money. However, be aware that in exceptional situations, they may not be able to provide coverage.
Is it currently safe to travel to Libya?
As of June 2025, the U.S. Department of State explicitly advises U.S. citizens not to travel to Libya due to active armed conflict, high crime rates, terrorism, and the threat of kidnapping.
Here are their four main recommendations.
- Security risks: armed clashes, carjackings, and kidnapping remain widespread, especially in Tripoli and southern regions. Unexploded landmines pose a significant risk in areas such as Sirte and Benghazi.
- Health risks: medical care is only adequate in Tripoli and often unavailable elsewhere. Medical evacuation is frequently the only viable option for serious illness or injury.
- Legal constraints: a Libyan tourist visa must be obtained before arrival, and visitors must register with police within three days. Passports with Israeli stamps will result in denied entry.
- Consular support: the U.S. Embassy in Tripoli is closed, and emergency support is only available from the embassy in Tunis. Assistance within Libya is extremely limited.
Although not required, travel insurance is strongly recommended by the U.S. Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Libya.
Is Travel Insurance Required to Enter Libya?
No, travel insurance is not legally mandatory for U.S. citizens to enter Libya.
However, travel insurance is strongly recommended due to frequent armed conflict, high crime rates, and limited medical facilities, especially outside Tripoli. In the event of injury or illness, access to adequate care or emergency evacuation can be complicated and extremely expensive.
According to our data, 80% of travelers purchase travel insurance before going to Libya, mainly because of security concerns and the high cost of medical evacuation and emergency assistance.
Why take out travel insurance for Libya?
It is an essential financial and medical protection for anyone going to Libya.
In Libya, only a few hospitals in Tripoli, such as St. James Hospital, offer care that meets international standards, and costs in these private clinics are high for foreigners. Public hospitals outside major cities often lack equipment and staff, forcing U.S. travelers to seek private care, which can make emergencies particularly expensive.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the United States in the event of a serious incident.
Here are some examples of healthcare costs in Libya.
| Example of medical treatment | Cost at St. James Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 15,000 LYD (about $3,100) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 7,500 LYD (about $1,550) | up to 100% |
| I need to be repatriated | 60,000 LYD (about $12,400) | up to 100% |
| I have appendicitis (consultation and surgery) | 20,000 LYD (about $4,100) | 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.
What should travel insurance for Libya cover?
Due to the ongoing armed conflict and severe security risks in Libya, it may be difficult to obtain coverage or claims may be limited depending on the situation. Some insurers include exclusions for travel to countries under active government warnings or war zones.
Here is a summary table of the main coverages you should look for in a travel insurance policy for Libya.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers medical treatment, hospitalization, and outpatient care in case of illness or accident. Choose a reimbursement limit of at least $200,000 due to high costs and limited care. |
| 🚑 Medical evacuation | Covers emergency transport to a country with adequate facilities or back to the United States. Opt for coverage of at least $500,000. |
| ✈️ Repatriation | Covers costs for returning to the United States due to serious illness, injury, or death. Recommended limit: $200,000. |
| 💼 Baggage and personal effects | Covers loss, theft, or damage of luggage and valuables during your stay. Minimum reimbursement limit: $2,000. |
| 🛑 Trip cancellation/interruption | Covers pre-paid and non-refundable expenses if you need to cancel or cut short your trip due to unforeseen events. Protect at least $5,000 worth of costs. |
| 💰 Personal liability | Covers costs if you accidentally cause injury or property damage to others. Advised limit: $50,000. |
| ⚖️ Security evacuation | Provides for emergency evacuation due to civil unrest, terrorism, or political instability. Recommended limit: $100,000. |
| 🗺️ 24/7 assistance | Access to support, translation, and coordination of emergencies any time of day. Make sure this is included with no cap. |
Choose a reimbursement limit of at least $200,000 due to high costs and limited care.
Opt for coverage of at least $500,000.
Recommended limit: $200,000.
Minimum reimbursement limit: $2,000.
Protect at least $5,000 worth of costs.
Advised limit: $50,000.
Recommended limit: $100,000.
Make sure this is included with no cap.
Watch out!
Most travel insurance companies restrict or exclude Libya from coverage because of the ongoing civil unrest, terrorism, and high risk of kidnapping or injury. Always obtain written proof that your policy explicitly covers travel inside Libya, including medical evacuation and emergency assistance.
Local travel insurance or coverage from bank cards is often limited, with low reimbursement limits and many exclusions. To ensure adequate protection, select a recognized insurer with extensive coverage. Compare the best options on HelloSafe and subscribe online for instant certification.
The Cost of Travel Insurance for Libya
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $80 |
| 2 weeks | 45 years old | $155 |
| 1 month | 35 years old | $235 |
| 1 month | 70 years old | $480 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
When purchasing travel insurance, the price depends on several key factors. Consider your age, trip duration, destination, and selected options like cancellation coverage. Keeping these elements in mind is crucial for finding a policy that fits both your needs and your budget, ensuring you're well-protected for your 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 Libya
Here are some suggestions to optimize the cost of your travel insurance to Libya while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🛡️ Policy coverage | Higher risks in Libya make core medical and evacuation coverage essential for travelers. | Choose a basic plan focused on medical and evacuation benefits. Omit extras to reduce cost. |
| 📅 Length of stay | The longer your trip, the more you pay, especially in high-risk destinations like Libya. | Select coverage dates carefully. Avoid covering extra days you do not need. |
| 👤 Traveler’s age | Age impacts price, with older travelers paying more, particularly in high-risk countries. | Compare across age brackets. Heymondo does not increase prices for people over 62. Shop around. |
| 👨👩👦 Traveling group | Group or family plans may offer discounts for traveling together. | Explore group or family options. Bundling travelers can save money compared to individual plans. |
| 🚑 Health history | Pre-existing medical conditions can mean higher premiums or limited coverage. | Disclose health honestly. Some providers offer competitive pricing on controlled or stable issues. |
| 📍 Area covered | Insurance for all of Libya is expensive due to security risks. | Only insure the regions you need. Do not add unnecessary regional extensions. |
| 💳 Excess/deductible | Higher deductibles mean lower premiums, but more out-of-pocket if you need to claim. | Consider a higher deductible you can afford. This reduces your upfront premium. |
Can I rely on my current insurance to cover me in Libya?
It is legitimate to wonder if your current coverage—such as credit card insurance or private health insurance—can protect you during a trip to Libya. Unfortunately, this coverage is often inadequate or does not apply. Only travel insurance can provide the comprehensive support and high reimbursement limits crucial for this destination.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Libya? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage outside the US. No emergency evacuation support. | Travel insurance covers up to $250,000 in medical care and evacuation. |
| Private health insurance (Aetna, UnitedHealthcare, Cigna) | Yes, partly | May reimburse medical costs up to $10,000 after return. No war risk or repatriation. | Travel insurance covers up to $500,000 plus direct evacuation and 24/7 assistance. |
| Classic credit card (Capital One Platinum, Discover It, Wells Fargo Active Cash) | Yes, partly | Medical fees under $5,000. No coverage for war, terrorism, or evacuation. | Travel insurance will pay up to $100,000 for medical and evacuation, even in conflict. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical coverage up to $50,000. Limited trip or baggage protection. No war zone or evacuation. | Travel insurance includes up to $500,000 medical/emergency plus security evacuation. |
Example
While on a work trip in Tripoli, a car accident left David with serious injuries, requiring a $40,000 medical evacuation and surgery. His American Express Gold card's travel benefit only covered $2,000, and his US health plan wouldn't pay for services in Libya, leaving him with a $38,000 bill.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.
FAQ
Do I need a visa to travel to Libya?
Yes, U.S. citizens need a visa to enter Libya. The visa must be obtained in advance from a Libyan embassy or consulate, as visas are not available upon arrival. Your passport should have at least one blank page per entry stamp. Passports with Israeli stamps may be refused entry.
How do I purchase travel insurance for Libya?
1/ Compare: Use the HelloSafe travel insurance comparison tool to view plans that include coverage for Libya.
2/ Check cover and exclusions: Review the details to ensure coverage for medical evacuation, emergency medical care, and all-country-specific exclusions.
3/ Buy online: Once you've found the right option, complete your purchase online with the insurer.
4/ Receive your certificate: Your insurance proof will be sent electronically and should be carried with you.
Does standard travel insurance cover civil unrest or conflict in Libya?
Most travel insurance plans exclude claims related to war, terrorism, and civil unrest. For Libya, carefully check that the policy covers high-risk destinations and includes medical evacuation. If conflict is excluded, consider a policy from a provider specializing in high-risk travel.
What should I look for in travel insurance for Libya?
You should focus on policies offering high limits for emergency medical care and medical evacuation. Verify that the policy explicitly covers Libya, as some plans exclude countries with travel warnings. Access to a 24/7 assistance hotline is also beneficial during emergencies.
Can I buy travel insurance for Libya after I leave the United States?
It is best to purchase your policy before departing the United States, as many insurers require you to start coverage from your home country. Some specialty insurers may offer policies to travelers already abroad, but choices may be limited and more expensive.
What are common exclusions in travel insurance for Libya?
Common exclusions include coverage for incidents due to armed conflict, terrorism, pre-existing medical conditions, and injury while participating in high-risk activities. Always read the fine print and ask the insurer to clarify their Libya-specific exclusions or limitations before buying.
Do I need a visa to travel to Libya?
Yes, U.S. citizens need a visa to enter Libya. The visa must be obtained in advance from a Libyan embassy or consulate, as visas are not available upon arrival. Your passport should have at least one blank page per entry stamp. Passports with Israeli stamps may be refused entry.
How do I purchase travel insurance for Libya?
1/ Compare: Use the HelloSafe travel insurance comparison tool to view plans that include coverage for Libya.
2/ Check cover and exclusions: Review the details to ensure coverage for medical evacuation, emergency medical care, and all-country-specific exclusions.
3/ Buy online: Once you've found the right option, complete your purchase online with the insurer.
4/ Receive your certificate: Your insurance proof will be sent electronically and should be carried with you.
Does standard travel insurance cover civil unrest or conflict in Libya?
Most travel insurance plans exclude claims related to war, terrorism, and civil unrest. For Libya, carefully check that the policy covers high-risk destinations and includes medical evacuation. If conflict is excluded, consider a policy from a provider specializing in high-risk travel.
What should I look for in travel insurance for Libya?
You should focus on policies offering high limits for emergency medical care and medical evacuation. Verify that the policy explicitly covers Libya, as some plans exclude countries with travel warnings. Access to a 24/7 assistance hotline is also beneficial during emergencies.
Can I buy travel insurance for Libya after I leave the United States?
It is best to purchase your policy before departing the United States, as many insurers require you to start coverage from your home country. Some specialty insurers may offer policies to travelers already abroad, but choices may be limited and more expensive.
What are common exclusions in travel insurance for Libya?
Common exclusions include coverage for incidents due to armed conflict, terrorism, pre-existing medical conditions, and injury while participating in high-risk activities. Always read the fine print and ask the insurer to clarify their Libya-specific exclusions or limitations before buying.
