🇲🇿 Travel Insurance for Mozambique

Last updated: 2026-07-08

Complete guide to travel insurance for Mozambique, covering the eTA/eVisa entry system, medical evacuation for the Bazaruto Archipelago and Gorongosa, and what standard policies typically exclude.

Quick Facts: Risk Level: Medium-High • eTA or eVisa required for most nationalities • Yellow fever certificate required if arriving from an endemic country

Do You Need Travel Insurance for Mozambique?

Travel insurance isn't a formal visa condition for Mozambique, but it's strongly recommended by tour operators and consular sources alike, and some visa applications ask for proof of coverage as supporting documentation even where it's not a strict requirement. Given that healthcare facilities outside Maputo are genuinely limited, and popular destinations like the Bazaruto Archipelago and Gorongosa National Park are remote, insurance with evacuation cover is closer to essential than optional for most tourist itineraries.

Healthcare & Medical Costs in Mozambique

Maputo has the country's best medical facilities, but quality drops sharply elsewhere. Coastal resort areas around Inhambane and Tofo have basic clinics for minor issues, while the Bazaruto Archipelago is only reachable by boat or light aircraft and has no real medical infrastructure of its own. Gorongosa National Park, a major wildlife draw, is similarly remote. Serious cases anywhere outside Maputo typically mean evacuation first to Maputo, and sometimes onward to South Africa.

Key Risks & Safety Concerns

Water activities dominate the risk profile on the coast — diving, snorkeling, and boat transfers to the Bazaruto Archipelago and other islands. Malaria is present across most of the country, including Maputo in some seasons, and is a serious consideration for Gorongosa and other inland safari destinations. Road safety is a genuine concern — road conditions are poor outside main routes, and driving after dark is discouraged. Petty crime affects tourist areas in Maputo and Beira, and beach resorts, while generally safer, aren't immune to opportunistic theft.

Recommended Coverage for Mozambique

Aim for at least $100,000 in medical coverage with evacuation to Maputo and onward to South Africa if needed. If your trip includes the Bazaruto Archipelago, confirm evacuation by boat or light aircraft is covered, since standard ground-transport evacuation assumptions don't apply to island destinations. Malaria treatment should be explicitly included given the near-nationwide risk.

Insider Tips for Mozambique

Apply for your eTA or eVisa well before departure — the system has changed in 2026 and processing can take longer than the pre-2026 visa-on-arrival option, which is no longer reliable. Carry cash (US dollars widely accepted alongside the Mozambican metical) since card acceptance drops sharply outside Maputo and major resorts. Take malaria prophylaxis seriously for any inland or Gorongosa itinerary, and confirm your accommodation's evacuation arrangements if staying on Bazaruto or another remote island.

Emergency numbers: Police 119 • Ambulance 117 (Maputo). Response and availability fall off significantly outside the capital — resorts and lodges in remote areas typically have their own evacuation arrangements with private providers, which is worth confirming before you book.

Recommended Providers for Mozambique

EKTA

European travel insurance with global coverage. Medical, trip cancellation, and more.

Check EKTA →

Compensair

Claim up to €600 for delayed or cancelled flights. No win, no fee.

Check Compensair →

Klook

Book travel experiences with optional insurance coverage included.

Check Klook →

Frequently Asked Questions

Not formally required for the visa itself, but strongly recommended given limited healthcare outside Maputo. Some visa applications request proof of coverage as supporting documentation even where it isn't a strict rule.

Basic coverage starts from $5-10/day, comprehensive plans with evacuation cover for remote areas like Bazaruto or Gorongosa run $15-30/day.

Only if your policy explicitly covers boat or light aircraft evacuation, since standard ground-based evacuation assumptions don't apply to island destinations reachable only by boat or plane.

Only if you're arriving from a country with risk of yellow fever transmission (such as Angola, DR Congo, or Uganda). Routine vaccinations should be current regardless.