What are the best travel insurances for Madagascar in 2025?

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A. Fruchard
A. Fruchard updated on July 16, 2025
Table of Contents
  • The best travel insurance plans for Madagascar
  • Is it currently safe to travel to Madagascar?
  • Is travel insurance required by law to enter Madagascar?
  • Why take out travel insurance for Madagascar?
  • What your travel insurance for Madagascar should cover
  • The cost of travel insurance for Madagascar
  • How to pay less for your travel insurance to Madagascar
  • Can I rely on my current insurance to cover me in Madagascar?
  • FAQ
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Travel insurance for Madagascar: key takeaways

1. Definition: Travel insurance for Madagascar covers medical emergencies, trip cancellation, and other unforeseen travel disruptions.
2. Key protection: Travel insurance is not mandatory but is crucial due to limited medical facilities in Madagascar.
3. Healthcare cost: Quality healthcare is limited and expensive; a private clinic stay can cost over $500 per night.
4. Price: A one-week travel insurance policy for Madagascar typically costs between $40 and $80.
5. Good to know: Ensure your policy includes medical evacuation, as serious cases require transfer to another country.

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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 Madagascar.

The best travel insurance plans for Madagascar

Contract we recommendMedical reimbursement limitOur view
HelloTravel Premium1.1M USDOffers top protection for travel in Madagascar.
- High reimbursement limit
- Medical evacuation included
- Modern coverage for serious incidents
Cap Assistance 24/241.1M USDStrong option for demanding travelers needing broad cover.
- 24/7 medical assistance
- Emergency repatriation included
- No deductible in most cases
Tourist Card550k USDWell-suited for tourist stays in Madagascar.
- Suitable medical cap
- Emergency assistance
- Simple compensation procedures
Travel Pass Monde760k USDCompact offer for diverse travel situations.
- Repatriation
- Hospital and surgery covered
- International claims service
Globe Partner330k USDSolid guarantee for international stays in Madagascar.
- Medical expenses abroad
- Civil liability included
- Quick claims process
Globe Traveller550k USDA practical choice for limited-duration trips.
- Basic medical benefits
- Responsive assistance
- Useful ceiling for short stays
Comparison of recommended travel insurance contracts.
HelloTravel Premium
Medical reimbursement limit
1.1M USD
Our view
Offers top protection for travel in Madagascar.
- High reimbursement limit
- Medical evacuation included
- Modern coverage for serious incidents
Cap Assistance 24/24
Medical reimbursement limit
1.1M USD
Our view
Strong option for demanding travelers needing broad cover.
- 24/7 medical assistance
- Emergency repatriation included
- No deductible in most cases
Tourist Card
Medical reimbursement limit
550k USD
Our view
Well-suited for tourist stays in Madagascar.
- Suitable medical cap
- Emergency assistance
- Simple compensation procedures
Travel Pass Monde
Medical reimbursement limit
760k USD
Our view
Compact offer for diverse travel situations.
- Repatriation
- Hospital and surgery covered
- International claims service
Globe Partner
Medical reimbursement limit
330k USD
Our view
Solid guarantee for international stays in Madagascar.
- Medical expenses abroad
- Civil liability included
- Quick claims process
Globe Traveller
Medical reimbursement limit
550k USD
Our view
A practical choice for limited-duration trips.
- Basic medical benefits
- Responsive assistance
- Useful ceiling for short stays
Comparison of recommended travel insurance contracts.
? Compare the best travel insurance for freeI compare

Is it currently safe to travel to Madagascar?

As of June 2025, the US Department of State advises travelers to Madagascar to exercise increased caution due to security risks in some regions and ongoing health concerns. The current overall alert level is not a general travel ban, but certain areas such as Tsaratanana, Betroka, and the roads RN34 and RN13 are rated higher risk and reconsider travel is recommended.

Here are their four main recommendations.

  • Security risks: violent crime, including armed banditry and carjacking, can occur throughout Madagascar, especially after dark and on rural roads like RN34. Tourists have been targeted by thieves near markets and remote national parks.
  • Health risks: diseases such as malaria, chikungunya outbreak, and plague are present, with access to reliable medical care extremely limited outside Antananarivo. Malaria prophylaxis and updated vaccinations, including yellow fever if transiting affected countries, are essential.
  • Legal requirements: a visa is mandatory for all visitors and can be obtained online or upon arrival for short stays. Authorities require proof of onward travel and sufficient funds at entry, and failure to comply can lead to denial of entry.
  • Environmental hazards: the cyclone season runs from December to April, bringing risks of flooding and disrupted infrastructure across the island. Parts of Madagascar are also prone to earthquakes and landslides during heavy rains.

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 Madagascar.

Is travel insurance required by law to enter Madagascar?

No, travel insurance is not legally mandatory for US travelers to enter Madagascar.

Travel insurance is still strongly recommended because medical infrastructure is limited, especially outside major cities, and emergency evacuation can be extremely expensive. Without insurance, travelers may face significant out-of-pocket costs if an accident or serious illness occurs during their stay.

According to our data, 80% of travelers purchase travel insurance before going to Madagascar. This high percentage reflects the country's limited access to quality medical care and the greater risk of costly emergencies.

Why take out travel insurance for Madagascar?

It is an essential financial and medical protection for anyone going to Madagascar.

Health costs in Madagascar can be high because foreigners are often directed to private clinics in Antananarivo or Tamatave. Public hospitals like CHU Joseph Ravoahangy Andrianavalona are under-resourced, and international travelers may need care at more modern but expensive facilities such as Polyclinique d’Ilafy, where fees are not regulated and equipment is imported.

Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to the US in case of major illness or accident.

Here are some examples of healthcare costs in Madagascar.

Example of medical treatmentCost at Polyclinique d’IlafyCovered by travel insurance
I have to be hospitalized 48 hours after contracting an infection2,600,000 MGA (around $580)Up to 100%
I broke my tibia (X-ray, cast, and crutch rental)3,800,000 MGA (around $850)Up to 100%
I need to be repatriated190,000,000 MGA (around $43,000)Up to 100%
I have appendicitis (consultation and surgery)6,500,000 MGA (around $1,450)Up to 100%
Examples of medical costs at Polyclinique d’Ilafy and insurance coverage.
I have to be hospitalized 48 hours after contracting an infection
Cost at Polyclinique d’Ilafy
2,600,000 MGA (around $580)
Covered by travel insurance
Up to 100%
I broke my tibia (X-ray, cast, and crutch rental)
Cost at Polyclinique d’Ilafy
3,800,000 MGA (around $850)
Covered by travel insurance
Up to 100%
I need to be repatriated
Cost at Polyclinique d’Ilafy
190,000,000 MGA (around $43,000)
Covered by travel insurance
Up to 100%
I have appendicitis (consultation and surgery)
Cost at Polyclinique d’Ilafy
6,500,000 MGA (around $1,450)
Covered by travel insurance
Up to 100%
Examples of medical costs at Polyclinique d’Ilafy and insurance coverage.

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 your travel insurance for Madagascar should cover

Main coveragesExplanations and recommendations
? Medical expensesCovers consultation, surgery, medication, and hospital fees if you become ill or injured during your stay.
Recommended reimbursement limit: $150,000.
? Medical evacuation & repatriationCovers emergency helicopter or air ambulance to the US in case of a serious condition.
Recommended reimbursement limit: $200,000.
? Trip cancellation & interruptionReimburses in case you must cancel or interrupt your trip due to illness, accident, or a family emergency.
Recommended limit: $5,000 per person.
? Personal liabilityCovers accidental bodily injury or damage you may cause to third parties.
Recommended limit: $100,000.
? Baggage & personal effectsCovers loss, theft, or damage to your luggage and personal belongings.
Recommended limit: $2,000.
? Infectious disease coverageIncludes treatment for malaria, chikungunya, dengue, and other local diseases.
Recommended: make sure these risks are not excluded from the policy.
? 24/7 assistance helplineGives you access to round-the-clock support for medical, legal, or travel emergencies.
Recommended: always included, with language support for US travelers.
Table of main travel insurance coverages with explanations and recommendations.
? Medical expenses
Explanations and recommendations
Covers consultation, surgery, medication, and hospital fees if you become ill or injured during your stay.
Recommended reimbursement limit: $150,000.
? Medical evacuation & repatriation
Explanations and recommendations
Covers emergency helicopter or air ambulance to the US in case of a serious condition.
Recommended reimbursement limit: $200,000.
? Trip cancellation & interruption
Explanations and recommendations
Reimburses in case you must cancel or interrupt your trip due to illness, accident, or a family emergency.
Recommended limit: $5,000 per person.
? Personal liability
Explanations and recommendations
Covers accidental bodily injury or damage you may cause to third parties.
Recommended limit: $100,000.
? Baggage & personal effects
Explanations and recommendations
Covers loss, theft, or damage to your luggage and personal belongings.
Recommended limit: $2,000.
? Infectious disease coverage
Explanations and recommendations
Includes treatment for malaria, chikungunya, dengue, and other local diseases.
Recommended: make sure these risks are not excluded from the policy.
? 24/7 assistance helpline
Explanations and recommendations
Gives you access to round-the-clock support for medical, legal, or travel emergencies.
Recommended: always included, with language support for US travelers.
Table of main travel insurance coverages with explanations and recommendations.

Travel insurance from local providers or bank cards often comes with low coverage, many exclusions, and reduced reimbursement limits. For peace of mind, it is safer to select a reliable insurer offering comprehensive benefits. Compare top travel policies on HelloSafe and subscribe online for immediate proof.

The cost of travel insurance for Madagascar

Trip durationTraveler’s ageIndicative price per person
1 week25 years old$35
2 weeks45 years old$65
1 month35 years old$110
1 month70 years old$190
1 week
Traveler’s age
25 years old
Indicative price per person
$35
2 weeks
Traveler’s age
45 years old
Indicative price per person
$65
1 month
Traveler’s age
35 years old
Indicative price per person
$110
1 month
Traveler’s age
70 years old
Indicative price per person
$190

These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.

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Good to know

The price of your travel insurance is influenced by several key details. Consider the traveler's age, your trip's duration, the destination, and any add-ons like cancellation coverage. Understanding these factors is crucial for choosing a policy that provides the right protection for your needs and budget, ensuring a worry-free trip.

? 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 compare

How to pay less for your travel insurance to Madagascar

Here are some suggestions to optimize the cost of your travel insurance to Madagascar while keeping good coverage:

CriteriaWhy it mattersExpert tip
? Level of medical coverageMedical facilities are limited in Madagascar, especially outside Antananarivo. Evacuation may be necessary in serious cases.Choose a policy with $100,000+ for medical, but exclude non-essentials like gadget protection for lower premiums.
?‍ Age of travelerAge directly impacts insurance premiums for many providers, often increasing for seniors.Compare policies – Heymondo does not increase its prices for people over 62, which can help reduce costs.
? Trip durationLonger stays increase overall cost, even if per-day rates are stable. Short trips are usually less expensive to insure.Choose single-trip policies only for the days needed and avoid annual or open-ended plans if staying less than 30 days.
✈️ Activities includedAdventure sports, trekking, and certain excursions popular in Madagascar may not be covered by default.Always declare your planned activities. Exclude high-risk sports if not practicing, to avoid unnecessary premium surcharges.
?️ Deductible amountHigh deductibles lower premium costs, but increase out-of-pocket expenses if you make a claim.Opt for a higher deductible only if you’re comfortable with higher upfront costs in case of emergency.
? Evacuation & repatriationEvacuation can be essential due to limited care; it is expensive and a key feature for Madagascar.Ensure the policy covers emergency evacuation, but avoid luxury repatriation options to keep costs down.
? Geographic scopeSome U.S. policies include worldwide coverage, but regional limits can affect both price and efficacy.Select a plan that covers only Madagascar (or Africa if needed) instead of global coverage for significant savings.
Key criteria for choosing travel insurance for Madagascar, explaining their importance and offering expert tips.
? Level of medical coverage
Why it matters
Medical facilities are limited in Madagascar, especially outside Antananarivo. Evacuation may be necessary in serious cases.
Expert tip
Choose a policy with $100,000+ for medical, but exclude non-essentials like gadget protection for lower premiums.
?‍ Age of traveler
Why it matters
Age directly impacts insurance premiums for many providers, often increasing for seniors.
Expert tip
Compare policies – Heymondo does not increase its prices for people over 62, which can help reduce costs.
? Trip duration
Why it matters
Longer stays increase overall cost, even if per-day rates are stable. Short trips are usually less expensive to insure.
Expert tip
Choose single-trip policies only for the days needed and avoid annual or open-ended plans if staying less than 30 days.
✈️ Activities included
Why it matters
Adventure sports, trekking, and certain excursions popular in Madagascar may not be covered by default.
Expert tip
Always declare your planned activities. Exclude high-risk sports if not practicing, to avoid unnecessary premium surcharges.
?️ Deductible amount
Why it matters
High deductibles lower premium costs, but increase out-of-pocket expenses if you make a claim.
Expert tip
Opt for a higher deductible only if you’re comfortable with higher upfront costs in case of emergency.
? Evacuation & repatriation
Why it matters
Evacuation can be essential due to limited care; it is expensive and a key feature for Madagascar.
Expert tip
Ensure the policy covers emergency evacuation, but avoid luxury repatriation options to keep costs down.
? Geographic scope
Why it matters
Some U.S. policies include worldwide coverage, but regional limits can affect both price and efficacy.
Expert tip
Select a plan that covers only Madagascar (or Africa if needed) instead of global coverage for significant savings.
Key criteria for choosing travel insurance for Madagascar, explaining their importance and offering expert tips.
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Important

Travel insurance is not legally required for entry into Madagascar from the US; you will not be asked for proof at the border or visa issuance. However, insurance is strongly recommended due to the country’s limited medical facilities and the prevalence of serious health risks.

Can I rely on my current insurance to cover me in Madagascar?

It is completely legitimate to wonder whether your existing coverage, such as credit card insurance or your public or private health insurance, could protect you during a trip to Madagascar. Unfortunately, these policies are often limited or do not cover critical guarantees, especially for medical emergencies or repatriation needs. Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceValid in Madagascar?What it coversWhy Travel Insurance is better
Public health insurance (Medicare/Medicaid)No, neverNo coverage abroad except select emergencies in limited locationsTravel insurance covers $100,000+ for medical care, repatriation, and local hospitals.
Private health insurance (Aetna, Cigna, UnitedHealthcare)Yes, partlySome emergency expenses, $20,000-$50,000 max, no evacuation or full repatriationTravel insurance often insures $100,000+ abroad, plus 24/7 emergency evacuation support.
Classic credit card (Chase Freedom, Citi Custom Cash, Capital One Platinum)Yes, partlySome medical costs, max $2,500-$5,000, trip delay/baggage may be excludedTravel insurance covers $100,000+ plus trip cancellation, lost luggage, and cash advance.
Premium credit card (Chase Sapphire Preferred, Amex Gold, Mastercard World Elite)Yes, partlyMedical coverage up to $50,000-$100,000, low limits for baggage and trip issuesTravel insurance offers higher medical limits, real-time care, and full trip coverage.
Comparison of different insurance types and their validity for travel in Madagascar.
Public health insurance (Medicare/Medicaid)
Valid in Madagascar?
No, never
What it covers
No coverage abroad except select emergencies in limited locations
Why Travel Insurance is better
Travel insurance covers $100,000+ for medical care, repatriation, and local hospitals.
Private health insurance (Aetna, Cigna, UnitedHealthcare)
Valid in Madagascar?
Yes, partly
What it covers
Some emergency expenses, $20,000-$50,000 max, no evacuation or full repatriation
Why Travel Insurance is better
Travel insurance often insures $100,000+ abroad, plus 24/7 emergency evacuation support.
Classic credit card (Chase Freedom, Citi Custom Cash, Capital One Platinum)
Valid in Madagascar?
Yes, partly
What it covers
Some medical costs, max $2,500-$5,000, trip delay/baggage may be excluded
Why Travel Insurance is better
Travel insurance covers $100,000+ plus trip cancellation, lost luggage, and cash advance.
Premium credit card (Chase Sapphire Preferred, Amex Gold, Mastercard World Elite)
Valid in Madagascar?
Yes, partly
What it covers
Medical coverage up to $50,000-$100,000, low limits for baggage and trip issues
Why Travel Insurance is better
Travel insurance offers higher medical limits, real-time care, and full trip coverage.
Comparison of different insurance types and their validity for travel in Madagascar.
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Example

While diving in Nosy Be, Madagascar, Sarah got decompression sickness. The medical evacuation to Réunion Island cost $25,000. Her Chase Sapphire Reserve card covered just $2,500 for emergency transport, and her US health plan had no overseas coverage, leaving her with a shocking $22,500 bill for her trip.

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Expert advice

Always check the terms, exclusions, and limits of your existing insurance. Critical situations, like trip interruption due to a relative’s illness or death, may be excluded. Read the fine print carefully to avoid unpleasant surprises abroad. In all cases, it's safer and more reassuring to purchase dedicated travel insurance tailored to your trip.

FAQ

Do I need a visa to travel to Madagascar?

Yes, U.S. travelers need a visa to enter Madagascar. You can obtain a tourist visa either before departure from the nearest consulate or on arrival at the airport in Madagascar for stays under three months. Your passport must be valid for at least six months from your entry date and have at least three blank pages.

How do I purchase travel insurance for Madagascar?

To purchase travel insurance for Madagascar, first compare options using the HelloSafe travel insurance comparison tool. Carefully review coverages and exclusions, especially benefits relevant to Madagascar, such as evacuation, medical, and trip interruption. Buy your preferred plan online, then receive your insurance certificate by email, which you can print if needed for your trip.

Are there specific health risks I should be aware of when traveling to Madagascar?

Yes, Madagascar presents health risks such as malaria, chikungunya, plague, and dengue. Malaria prophylaxis is recommended for most areas, and certain vaccines may be required depending on your travel history. Medical facilities are limited outside major cities, so ensure your travel insurance includes comprehensive health and emergency evacuation cover.

What should I look for in travel insurance coverage for Madagascar?

You should prioritize medical expense coverage, emergency evacuation, and repatriation in your policy, as healthcare can be limited. Also, check that your policy covers disruptions due to natural disasters like cyclones and epidemics common in Madagascar. Personal liability, trip cancellation, and baggage loss are important extras.

How much does travel insurance for Madagascar typically cost?

Travel insurance for Madagascar usually costs between $40 and $120 per person for a two-week trip, depending on age, trip cost, and level of coverage. Plans for seniors, longer stays, or those with extra options such as cancel for any reason can be more expensive. Always compare plans to find the best value for your trip.

Is it possible to extend my travel insurance if I prolong my stay in Madagascar?

Yes, most insurers allow you to extend your policy online or by contacting customer support, provided you do so before your original policy expires. Extensions may cost more and sometimes require additional underwriting if your trip becomes much longer. Always check your policy terms about extensions before travel.

Do I need a visa to travel to Madagascar?

Yes, U.S. travelers need a visa to enter Madagascar. You can obtain a tourist visa either before departure from the nearest consulate or on arrival at the airport in Madagascar for stays under three months. Your passport must be valid for at least six months from your entry date and have at least three blank pages.

How do I purchase travel insurance for Madagascar?

To purchase travel insurance for Madagascar, first compare options using the HelloSafe travel insurance comparison tool. Carefully review coverages and exclusions, especially benefits relevant to Madagascar, such as evacuation, medical, and trip interruption. Buy your preferred plan online, then receive your insurance certificate by email, which you can print if needed for your trip.

Are there specific health risks I should be aware of when traveling to Madagascar?

Yes, Madagascar presents health risks such as malaria, chikungunya, plague, and dengue. Malaria prophylaxis is recommended for most areas, and certain vaccines may be required depending on your travel history. Medical facilities are limited outside major cities, so ensure your travel insurance includes comprehensive health and emergency evacuation cover.

What should I look for in travel insurance coverage for Madagascar?

You should prioritize medical expense coverage, emergency evacuation, and repatriation in your policy, as healthcare can be limited. Also, check that your policy covers disruptions due to natural disasters like cyclones and epidemics common in Madagascar. Personal liability, trip cancellation, and baggage loss are important extras.

How much does travel insurance for Madagascar typically cost?

Travel insurance for Madagascar usually costs between $40 and $120 per person for a two-week trip, depending on age, trip cost, and level of coverage. Plans for seniors, longer stays, or those with extra options such as cancel for any reason can be more expensive. Always compare plans to find the best value for your trip.

Is it possible to extend my travel insurance if I prolong my stay in Madagascar?

Yes, most insurers allow you to extend your policy online or by contacting customer support, provided you do so before your original policy expires. Extensions may cost more and sometimes require additional underwriting if your trip becomes much longer. Always check your policy terms about extensions before travel.

A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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