What are the best travel insurances for Madagascar in 2025?
- 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
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.
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 recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | 1.1M USD | Offers top protection for travel in Madagascar. - High reimbursement limit - Medical evacuation included - Modern coverage for serious incidents |
| Cap Assistance 24/24 | 1.1M USD | Strong option for demanding travelers needing broad cover. - 24/7 medical assistance - Emergency repatriation included - No deductible in most cases |
| Tourist Card | 550k USD | Well-suited for tourist stays in Madagascar. - Suitable medical cap - Emergency assistance - Simple compensation procedures |
| Travel Pass Monde | 760k USD | Compact offer for diverse travel situations. - Repatriation - Hospital and surgery covered - International claims service |
| Globe Partner | 330k USD | Solid guarantee for international stays in Madagascar. - Medical expenses abroad - Civil liability included - Quick claims process |
| Globe Traveller | 550k USD | A practical choice for limited-duration trips. - Basic medical benefits - Responsive assistance - Useful ceiling for short stays |
- High reimbursement limit
- Medical evacuation included
- Modern coverage for serious incidents
- 24/7 medical assistance
- Emergency repatriation included
- No deductible in most cases
- Suitable medical cap
- Emergency assistance
- Simple compensation procedures
- Repatriation
- Hospital and surgery covered
- International claims service
- Medical expenses abroad
- Civil liability included
- Quick claims process
- Basic medical benefits
- Responsive assistance
- Useful ceiling for short stays
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 treatment | Cost at Polyclinique d’Ilafy | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 2,600,000 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 repatriated | 190,000,000 MGA (around $43,000) | Up to 100% |
| I have appendicitis (consultation and surgery) | 6,500,000 MGA (around $1,450) | Up to 100% |
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 coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers consultation, surgery, medication, and hospital fees if you become ill or injured during your stay. Recommended reimbursement limit: $150,000. |
| 🚑 Medical evacuation & repatriation | Covers emergency helicopter or air ambulance to the US in case of a serious condition. Recommended reimbursement limit: $200,000. |
| 💉 Trip cancellation & interruption | 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 | Covers accidental bodily injury or damage you may cause to third parties. Recommended limit: $100,000. |
| 🎒 Baggage & personal effects | Covers loss, theft, or damage to your luggage and personal belongings. Recommended limit: $2,000. |
| 🦟 Infectious disease coverage | 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 | Gives you access to round-the-clock support for medical, legal, or travel emergencies. Recommended: always included, with language support for US travelers. |
Recommended reimbursement limit: $150,000.
Recommended reimbursement limit: $200,000.
Recommended limit: $5,000 per person.
Recommended limit: $100,000.
Recommended limit: $2,000.
Recommended: make sure these risks are not excluded from the policy.
Recommended: always included, with language support for US travelers.
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 duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $35 |
| 2 weeks | 45 years old | $65 |
| 1 month | 35 years old | $110 |
| 1 month | 70 years old | $190 |
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 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 compareHow 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:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🏥 Level of medical coverage | Medical 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 traveler | Age 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 duration | Longer 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 included | Adventure 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 amount | High 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 & repatriation | Evacuation 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 scope | Some 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. |
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 insurance | Valid in Madagascar? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare/Medicaid) | No, never | No coverage abroad except select emergencies in limited locations | Travel insurance covers $100,000+ for medical care, repatriation, and local hospitals. |
| Private health insurance (Aetna, Cigna, UnitedHealthcare) | Yes, partly | Some emergency expenses, $20,000-$50,000 max, no evacuation or full repatriation | Travel insurance often insures $100,000+ abroad, plus 24/7 emergency evacuation support. |
| Classic credit card (Chase Freedom, Citi Custom Cash, Capital One Platinum) | Yes, partly | Some medical costs, max $2,500-$5,000, trip delay/baggage may be excluded | Travel insurance covers $100,000+ plus trip cancellation, lost luggage, and cash advance. |
| Premium credit card (Chase Sapphire Preferred, Amex Gold, Mastercard World Elite) | Yes, partly | Medical coverage up to $50,000-$100,000, low limits for baggage and trip issues | Travel insurance offers higher medical limits, real-time care, and full trip coverage. |
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.
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.
