- The best travel insurance plans for Mozambique
- Is it currently safe to travel to Mozambique?
- Is travel insurance required by law to enter Mozambique?
- Why take out travel insurance for Mozambique?
- What should travel insurance for Mozambique cover?
- The cost of travel insurance for Mozambique
- How can you pay less for your travel insurance to Mozambique?
- Will my current insurance cover me in Mozambique?
- FAQ
Travel insurance for Mozambique: key takeaways
1. Definition: Travel insurance for Mozambique covers medical emergencies, trip cancellation, and other unforeseen events.
2. Warning: The U.S. advises against travel to certain provinces due to terrorism and crime risks.
3. Key protection: Insurance is not mandatory but is crucial due to limited local medical infrastructure.
4. Healthcare cost: Private clinics are costly; a hospital stay can exceed $500 per night for foreigners.
5. Price: A one-week travel insurance plan for Mozambique typically costs between $30 and $60.
6. Good to know: Ensure your policy includes high coverage for emergency medical evacuation to a nearby country.
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 US, our experts are sharing everything you need to know to choose the best travel insurance for Mozambique.
The best travel insurance plans for Mozambique
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1M | Recommended for most travelers to Mozambique. - high coverage limit - includes repatriation - modern guarantees |
| Cap Assistance 24/24 | $1M | Ideal for short trips with clear support. - 24/7 medical assistance - covers cancellation - no deductible |
| Tourist Card | $500k | Good for tourism and short business trips. - solid medical cover - efficient emergency help - affordable rates |
| Travel Pass Monde | $700k | Suitable for extended or multi-country travel. - repatriation covered - hospital expenses included - wide scope |
| Globe Partner | $300k | For essential insurance abroad. - essential medical cover - repatriation included - civil liability |
| Globe Traveller | $500k | Great for short and low-risk stays. - core medical guarantees - quick reimbursement - lower ceiling |
- high coverage limit
- includes repatriation
- modern guarantees
- 24/7 medical assistance
- covers cancellation
- no deductible
- solid medical cover
- efficient emergency help
- affordable rates
- repatriation covered
- hospital expenses included
- wide scope
- essential medical cover
- repatriation included
- civil liability
- core medical guarantees
- quick reimbursement
- lower ceiling
Is it currently safe to travel to Mozambique?
As of June 2025, the US Department of State advises travelers to exercise increased caution when visiting Mozambique due to regional security risks and limited emergency services. No blanket restriction is in effect, but several northern areas are specifically designated "Do Not Travel" zones due to terrorism.
Here are their four main recommendations.
- Security risks: sporadic attacks by armed groups, especially in Cabo Delgado Province and Niassa Special Reserve, have led to violence and movement restrictions. Avoid travel between sunset and sunrise and steer clear of political gatherings.
- Health risks: health infrastructure is weak and care options outside major cities are very limited. Malaria is present across the country. Emergency medical evacuation may be essential as most hospitals require advance payment.
- Legal formalities: always carry your passport, as authorities frequently conduct identity checks, especially near border zones and in remote provinces. Minors need additional authorization documents for entry or exit.
- Environmental dangers: cyclone season brings risks of flooding and disrupted travel. Access to rural areas can be affected by poor roads, and bottled water is recommended due to variable sanitation.
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 Mozambique.
Is travel insurance required by law to enter Mozambique?
No, travel insurance is not legally mandatory for US travelers to enter Mozambique.
However, travel insurance is strongly recommended because of limited health infrastructure, malaria risk, and the potential high cost of medical evacuation. Without insurance, you may be required to pay for treatment upfront and organize your own evacuation in case of a serious emergency.
According to our data, 80% of travelers purchase travel insurance before going to Mozambique, reflecting the significant health and security risks, as well as the high cost of emergency care and evacuation.
Why take out travel insurance for Mozambique?
It is an essential financial and medical protection for anyone going to Mozambique.
In Mozambique, health infrastructure is limited and public hospitals often lack basic equipment and medicines, especially outside Maputo. Foreigners are generally directed to private facilities such as Clínica Cruz Azul in Maputo, where treatment and hospitalization costs must be paid upfront and can become expensive.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport and emergency repatriation to the US in case of a serious incident.
Here are some examples of healthcare costs in Mozambique.
| Example of medical treatment | Cost at Clínica Cruz Azul | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 120,000 MZN (about $1,880) | Up to $100,000 |
| I broke my tibia (X-ray, cast, and crutch rental) | 70,000 MZN (about $1,100) | Up to $100,000 |
| I need to be repatriated | 950,000 MZN (about $15,000) | Up to 100% actual cost |
| I have appendicitis (consultation and surgery) | 350,000 MZN (about $5,530) | Up to $100,000 |
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 Mozambique cover?
| Main coverages | Explanations and recommendations |
|---|---|
| ? Medical expenses | Covers emergency treatment, doctor visits, and medicines. Recommend at least $100,000 limit. |
| ? Medical evacuation | Provides air ambulance or organized evacuation to South Africa or US. Minimum $100,000 recommended. |
| ? Hospitalization | Includes daily hospital costs, surgery, and intensive care. At least $50,000 cover recommended. |
| ✈️ Trip cancellation/interruption | Protects prepaid expenses if you must cancel or cut short your trip. Aim for $5,000–$10,000 cover. |
| ? Baggage loss or delay | Reimburses lost, stolen, or late bags and essentials. Recommended limit is $1,500 per bag. |
| ?⚖️ Personal liability | Covers damages you cause to others or property. Suggest a minimum of $100,000 liability cover. |
| ? Infectious disease coverage | Includes malaria and other tropical infections. Policy should specify epidemiological risks for Mozambique. |
| ☎️ 24/7 assistance | Offers medical support and translation at any time. Recommended for any trip to Mozambique. |
Recommend at least $100,000 limit.
Minimum $100,000 recommended.
At least $50,000 cover recommended.
Aim for $5,000–$10,000 cover.
Recommended limit is $1,500 per bag.
Suggest a minimum of $100,000 liability cover.
Policy should specify epidemiological risks for Mozambique.
Recommended for any trip to Mozambique.
Local travel insurance or credit card plans typically have low limits and many exclusions, so they may not be sufficient in case of emergency. It is safer to go with a trusted insurer offering complete protection. Compare the best options with HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Mozambique
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $28 |
| 2 weeks | 45 years old | $55 |
| 1 month | 35 years old | $78 |
| 1 month | 70 years old | $155 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of travel insurance for Mozambique is shaped by several key elements: your age, trip duration, specific destinations within the country, chosen coverage level, and options like trip cancellation. Keeping these factors in mind is essential to find a policy that provides adequate protection for your trip without overpaying.
? 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 can you pay less for your travel insurance to Mozambique?
Here are some suggestions to optimize the cost of your travel insurance to Mozambique while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| ?️ Trip duration | The longer your stay in Mozambique, the more you pay for insurance. Shorter trips cost less overall. | Limit coverage to just your trip dates and avoid unnecessary extensions. |
| ? Number of travelers | Family or group policies can offer savings compared to single plans, important if traveling together. | Choose group or family coverage for better value per traveller. |
| ? Level of coverage | High medical limits are vital in Mozambique, but extras like electronics may be optional. Focus on essentials. | Opt for a plan with strong medical and evacuation, but skip add-ons you don’t need. |
| ? Medical evacuation | Health infrastructure is limited, so medical evacuation is strongly advised, but extra features may not be necessary. | Select policies that include evacuation but compare the limit versus the price increase. |
| ? Deductible amount | Choosing a higher deductible lowers your premium, especially useful for healthy travelers making few claims. | Set a higher deductible if you’re comfortable covering small emergency out-of-pocket costs. |
| ? Travel destination | Areas with more risk in Mozambique (like Cabo Delgado) may increase premiums. Safer itineraries may reduce costs. | Specify lower-risk regions or stick to urban areas to avoid premium surcharges. |
| ? Traveller's age | Age is a major factor for price. Many insurers raise prices for seniors, but Heymondo does not increase its prices for people over 62. | If you’re over 62, compare insurers closely for possible flat-rate age pricing. |
Will my current insurance cover me in Mozambique?
It’s completely legitimate to wonder if your current coverage, such as public or private health insurance or credit card insurance, could be enough for your travels to Mozambique. Unfortunately, these options often provide only limited or partial protection abroad, especially for emergencies and evacuation.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Mozambique? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare) | No, never | No coverage outside the US. | Travel insurance provides $100,000+ medical, hospital, and evacuation cover per person. |
| Private health insurance (Aetna, Cigna) | Yes, partly | Some plans offer limited emergency care abroad, usually under $25,000. No evacuation. | Travel insurance covers higher limits, and up to $500,000 for evacuation and repatriation. |
| Classic credit card (Visa Classic, Mastercard Standard, Discover) | Yes, partly | Emergency medical below $5,000. No evacuation, basic trip delay coverage. | Travel insurance pays $100,000+ for medical plus trip cancellation and lost baggage. |
| Premium credit card (Visa Signature, World Mastercard, Amex Gold) | Yes, partly | Medical cover up to $50,000, limited for sport activities, low baggage cover. | Travel insurance includes higher medical, $5,000+ trip cancellation, and 24/7 support. |
Example
While scuba diving in Tofo, Sarah suffered decompression sickness. The necessary medical evacuation to South Africa cost $40,000. Her U.S. health insurance didn't cover it, and her Chase Sapphire card's benefit was capped at $10,000, leaving her with a staggering $30,000 bill for a dream vacation turned nightmare.
Expert advice
Always review your existing insurance's terms, exclusions, and limits. Critical situations, like trip interruption for a relative’s illness, may not be covered. Read the fine print carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to purchase dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Mozambique?
US citizens visiting Mozambique for tourism or business for up to 30 days do not need a visa if staying in hotels or lodges. If you plan to stay with Mozambican residents or remain longer than 30 days, a visa or pre-approval is necessary. Always check entry requirements before you travel.
How do I purchase travel insurance for Mozambique?
Start by comparing different travel insurance options using the HelloSafe travel insurance comparison tool. Review the coverage and exclusions, focusing on medical, evacuation, and theft or loss specific to Mozambique. Choose and purchase your preferred policy online. You will receive your certificate instantly, which should be carried during your trip.
Are medical evacuation and emergency assistance included in most policies for Mozambique?
Most comprehensive policies will include medical evacuation and 24/7 emergency assistance, which are especially important since local medical facilities are limited. Coverage amounts often range from $100,000 up to $500,000. Always verify these features before purchasing, ensuring the policy meets your needs for Mozambique.
Does standard travel insurance cover personal belongings in Mozambique?
Basic travel insurance usually provides some coverage for loss, theft, or damage of baggage and valuables. Standard limits for belongings typically range from $500 to $2,500. To fully protect electronics, cameras, or high-value items, you may need to pay extra or select a higher level of coverage.
How soon should I buy travel insurance before my trip to Mozambique?
You should purchase travel insurance as soon as you finalize your trip arrangements. Early purchase can offer cancellation and interruption protection from the start. Most insurers allow you to buy a policy up to the day before departure, but early coverage is often more beneficial.
Can travel insurance help if I need to change or cancel my trip to Mozambique?
Yes, most comprehensive travel insurance policies provide trip cancellation and interruption coverage. This protects against unforeseen events like illness, injury, or serious disruptions before or during travel. Reimbursement limits for cancellation usually range from $1,000 to $5,000 depending on the plan and the insurer.
Do I need a visa to travel to Mozambique?
US citizens visiting Mozambique for tourism or business for up to 30 days do not need a visa if staying in hotels or lodges. If you plan to stay with Mozambican residents or remain longer than 30 days, a visa or pre-approval is necessary. Always check entry requirements before you travel.
How do I purchase travel insurance for Mozambique?
Start by comparing different travel insurance options using the HelloSafe travel insurance comparison tool. Review the coverage and exclusions, focusing on medical, evacuation, and theft or loss specific to Mozambique. Choose and purchase your preferred policy online. You will receive your certificate instantly, which should be carried during your trip.
Are medical evacuation and emergency assistance included in most policies for Mozambique?
Most comprehensive policies will include medical evacuation and 24/7 emergency assistance, which are especially important since local medical facilities are limited. Coverage amounts often range from $100,000 up to $500,000. Always verify these features before purchasing, ensuring the policy meets your needs for Mozambique.
Does standard travel insurance cover personal belongings in Mozambique?
Basic travel insurance usually provides some coverage for loss, theft, or damage of baggage and valuables. Standard limits for belongings typically range from $500 to $2,500. To fully protect electronics, cameras, or high-value items, you may need to pay extra or select a higher level of coverage.
How soon should I buy travel insurance before my trip to Mozambique?
You should purchase travel insurance as soon as you finalize your trip arrangements. Early purchase can offer cancellation and interruption protection from the start. Most insurers allow you to buy a policy up to the day before departure, but early coverage is often more beneficial.
Can travel insurance help if I need to change or cancel my trip to Mozambique?
Yes, most comprehensive travel insurance policies provide trip cancellation and interruption coverage. This protects against unforeseen events like illness, injury, or serious disruptions before or during travel. Reimbursement limits for cancellation usually range from $1,000 to $5,000 depending on the plan and the insurer.
