Mozambique Travel Insurance
Everything you need to know before your trip
Healthcare Cost Level
Moderate
Avg. ER Visit
$150
Recommended Coverage
$250,000
Evacuation Risk
High
Insurance Coverage Warning
Some insurers exclude or limit coverage due to political instability and healthcare infrastructure concerns
Healthcare in Mozambique
What to expect if you need medical care
Healthcare in Mozambique presents significant limitations that travelers must understand. While costs are moderate—averaging $150 for emergency room visits and $200 per hospital day—the quality of care is limited, particularly outside major urban centers. You'll encounter challenges communicating with medical staff, as English availability is limited in healthcare facilities. The infrastructure simply cannot handle complex medical situations, meaning serious illnesses or injuries often require evacuation to South Africa for proper treatment. Medical facilities outside cities like Maputo are especially sparse, and the poor transport infrastructure compounds difficulties in reaching even basic care. This reality means that what starts as a moderate medical expense can quickly escalate into a major financial burden requiring international evacuation and treatment abroad.
What Your Policy Should Cover
Country-specific considerations for Mozambique
Your policy for Mozambique must address the country's specific challenges and risks. Emergency evacuation coverage is absolutely essential given the high likelihood you'll need transport to South Africa for serious medical issues. Ensure your policy covers year-round malaria risk, as well as dengue fever and yellow fever exposure. If you're traveling during November to April, verify coverage includes cyclone and flooding-related emergencies. The rainy season also brings moderate cholera outbreak risk requiring coverage. For activities, confirm your policy explicitly covers safari and wildlife viewing encounters, as wildlife-related incidents need specific inclusion. Water sports typically fall under high-risk activities that may be excluded, so check carefully if you're planning ocean or diving activities. Remote area travel coverage is critical since most of Mozambique lacks nearby medical facilities.
Malaria
High Risk
Peak: year-round
Cholera_outbreaks
Moderate Risk
Peak: rainy season
Dengue_fever
Moderate Risk
Peak: year-round
Cyclones_flooding
High Risk
Peak: November to April
Yellow_fever
Moderate Risk
Peak: year-round
Activity-Specific Coverage
Safari_wildlife_viewing: Ensure coverage includes wildlife encounters
Water_sports: High risk activities may be excluded
Remote_area_travel: Emergency evacuation coverage essential
How Much Coverage Do You Need?
Our recommendation based on Mozambique's healthcare costs
The recommended $250,000 coverage level accounts for Mozambique's evacuation realities rather than just its moderate healthcare costs. While a hospital day costs $200 and ER visits average $150, these figures become irrelevant when you need emergency medical evacuation to South Africa—a high-risk scenario given limited local facilities. Evacuation costs, international hospital stays, and repatriation can easily exceed $100,000. The $250,000 recommended amount provides adequate buffer for complex medical situations requiring extended treatment abroad, multiple evacuations, or complications arising from the specific health risks you'll face year-round in Mozambique.
Minimum
$100,000
Basic emergencies only
Recommended
$250,000
Full protection
Making a Claim in Mozambique
Tips for smooth claims processing
Documentation Required: Medical reports, receipts, police reports if applicable, proof of evacuation necessity, consular documentation
- Gather comprehensive medical reports and receipts for all treatment received, as claims are considered difficult in Mozambique and insurers require extensive documentation to process them successfully.
- If evacuation becomes necessary, ensure medical staff document why local facilities cannot provide adequate care—this proof of evacuation necessity is specifically required for claims approval.
- Obtain police reports immediately for any incident involving theft, accidents, or security concerns, as these are standard documentation requirements for Mozambique claims.
- Contact your country's consulate to obtain consular documentation, which insurers specifically require when processing claims from Mozambique due to infrastructure and political stability concerns.
- Keep all documentation in multiple formats (photos, physical copies, cloud storage) as poor infrastructure may make obtaining duplicate records difficult or impossible after you leave the country.
Get Covered for Mozambique
Adventure destinations like Mozambique require solid evacuation coverage. Don't leave without it.
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