Do I Need Travel Insurance For Egypt?

You are planning a fancy trip to Egypt and travel insurance is the least interesting topic you may think about? But during one of your trips, have you ever found yourself in a situation where you had to get emergency treatment or where you lost your baggage at the airport?

Hence, you’re probably wondering how to find the best travel insurance for visiting Egypt.

In the below ultimate guide for travelling from the UK to Egypt, we will tell you everything you need to know about travel insurance for your trip: is it compulsory, key features, premiums, driving requirements in Egypt? Let’s get started.

Why do I need travel insurance for Egypt?

Involved in a car accident while driving abroad, injured while practicing sport, sick....

Unfortunately, those things happens much more often than we think, and it could leave you and your travel partners with significant expenses to pay if you didn’t apply for travel insurance before leaving.

Here is a list of the most common unexpected costs arising during people’s trips:

What if….	How much will you have to pay without travel insurance?	How much will you have to pay with travel insurance?
You need air rescue	£5,000	£0 until medical expense limit is reached
You need to have surgery and to stay at a hospital	£5,000	£0 until medical expense limit is reached
You need medical repatriation	£30 000	£0 real fees paid out
Your baggage has been lost at the airport	£800	£0 until personal belongings is reached
Someone stole your money	£200	£0 until limit is reached
You need to cancel your trip	£5,000	£0 until cancellation limit is reached

For as cheap as a few pounds per day, “Comprehensive Travel Insurance” is a contract which fully covers you for your trip to the Egypt and provides you with both financial compensation as well as assistance during your trip.

What are the best travel insurance policies for Egypt?

How can you choose between the plethora of travel insurance policies on offer and find the least expensive policy? Many insurers, even some small ones, offer very good value for money deals. We’ve come up with a selection of small and big actors offering tempting deals.

Among them you’ll find:

Insurer	Our review
	Provides all travel insurance types with 4 levels of cover (all rated 5 stars by Defaqto): Standard, Premier, Exclusive, Superior 4,8/5 on TrustPilot Very good customer care according to reviews Offers dedicated family travel insurance No credit or debit card fees guarantee Possibility to apply 12 months in advance UK-based customer service and claim team Reimburse within 14 days
	4,58/5 rate on Reviews Provides all types of travel insurance with 2 level of protection: Gold and GoldPlus Medical compensation for up to 85 years old Dedicated customer service according to reviews
	4,8/5 consumers reviews rate on TrustPilot / 5 stars on Defaqto Specialist insurer providing full cover for up to 1000 medical conditions (including Alzheimer’s, HIV, cancer etc.) Includes cover for pregnant women UK based-call center 24/7 assistance team Provides cover for people up to 100 years old Provides all travel insurance types with 3 level of protection Medical compensation limit minimum is £3M and max £10M Also provides cover for cruise and winter sports

Even better, use our comparison tool to find the best deal for you! At Safe, we’ve checked out hundreds of travel insurance providers and we are now able to allow you to compare dozens of holiday insurance deals in only a few seconds without giving any personal details.

What type of travel insurance do I need for my trip to Egypt?

You can apply for different insurance types depending on your type of trip, from frequent luxury or business travel to cheap holidays to Egypt.

You will most often have the choice to apply between different travel plan:

• worldwide excluding USA, Canada
• worldwide including USA, Canada
• Australia, New-Zealand
• Europe.

For Egypt, as for any destination, travel insurance policy types are:

Travel insurance type	Explanation	Main features per type of travel policy
Single trip insurance	These travel insurance policies are for one-off holidays. You will be covered from the start of the journey until the end. You can decide the number of days you want to be covered for.	Covers for the period of the stay (can be up to 365 days) Often an age limit to apply for policy
Annual multi-trip insurance	These policies are made for frequent travellers going away for holidays, business trips or for any other reason several times a year. You would need to check whether it is more competitive to buy two or three single trip insurance policies or an annual multi-trip policy.	12 months policy Length of each trip usually limited to 31 days (but can vary from 10 days to 90) Age limit to apply for policy (66 years old on average)
Long stay and gap year insurance	These plans are made for students or any british resident wanting to explore the world, including for backpacking, gap year trips or for any other long stay reason.	Usually covers periods between 90 days for up to 18 months Age limit to apply for policy (from 16 to 45 only usually)

How much is travel insurance to Egypt?

For example, this is the cheapest price for a single trip policy of seven days (with an excess at £100):

Age	Single trip cover to Egypt
18 – 35	From £19.09
36 – 50	From £19.90
51 – 65	From £25.77
66 – 75	From £28.92

It is, however, quite difficult to give precise ranges of how much a travel insurance will cost you for Egypt, as prices are based on a wide range of criteria. It will mainly depend on:

• If you’re going for a single or annual multi-trip as mentioned above
• If you’re subscribing to upgrades such as cruise, business or gadget cover
• If you have pre-existing medical conditions
• The length of your stay in Egypt
• If you’re travelling alone, with your partner, a group or your family
• The financial limits you’d like to get in case of a claim
• The excess amount you’re willing to pay
• What will you be doing in Egypt (e.g. winter or extreme sports)?

What does your travel insurance for Egypt should cover?

Each travel insurance policy is different, since it is the insurer who determines the content of the contracts it offers: guarantees, compensation limits, deductibles, travel insurance prices, etc.

However, all contracts on the market must include at least the following guarantees, applicable in Europe and elsewhere abroad:

• Medical expenses: compensation by the insurer for your health expenses during your stay (consultation, analysis, emergency treatment, longer hospital stay, etc.).
• Repatriation assistance to the UK: financial and logistical support by a dedicated 24/7 team for your early return to your country of residence if it proves necessary.
• Trip cancellation and cover for delayed or missed departure: compensation if you need to cancel your trip for whatever reason or if you missed your departure.
• Personal liability: compensation for any damage or injury made to a third-party (consider adding it as extra if not included in standard cover).
• Baggage: compensation for any lost or theft of baggage while travelling (consider adding it as extra if not included in standard cover).

Most of the time, travel insurers offer different formulas. Cover types involved are usually the same, but the compensation limits and deductibles vary.

Main guarantees	Cover you should get for your trip to Egypt	Limit you should get for your trip to Egypt	Good to check
Medical travel insurance	Any emergency transport, medical procedures and treatments at the hospital 24/7 assistance team and helplines	£1 million limit on average	Are private or public hospitals included in your policy? Will there be advance fees? If you haven’t declared any pre-existing medical conditions or a pending diagnosis, any claim related to healthcare will be declared as invalidated by your insurer. Are dental emergency treatments included? Will any “accompanying person” fees be reimbursed?
Trip cancellation / curtailment	Illness, injury or even death of you or one of your relatives at the time of departure Very bad weather conditions at your destination Terrorist attack at your destination	£2000 limit minimum	Is it included as standard or as an option? Will you get compensation if you cancel your trip for “all justified reasons”? Which reasons exactly are included to get compensation for your trip cancellation?
Baggage	Compensation for baggage and belongings theft or loss up to the limit known No receipt required	£1500 limit minimum	Is it only valid during return transport or during the entire stay? Do you need the receipts for any belongings for baggage claims?
Missed departure, delay	Compensation if you miss your flight or train when it is beyond your control or if your journey is delayed	£500 limit minimum (£200 limit for delay)	Are all justified reasons for missed departure covered? How many hours delay to get compensation?
Repatriation	Cost of repatriation before or after your original ticket	Real fees	Is any transportation mode included (by alternative schedule flight or by air ambulance)?
Personal liability	Compensation for any damage or injury made to a third-party during your trip up to the limit known	£2 million limit on average	What is the limit by article and valuables (don’t focus on overall limit only)?
Legal expenses	Legal fees for claiming compensation to another person	£15000 limit on average	Does it cover any lawyer fees (including appointment fees)?

What are the nice-to-have features for your travel insurance to Europe?

Main guarantees	Cover you should get for your trip to Egypt	Limit you should get for your trip to Egypt	Good to check
Money and cash	Covers for loss or theft of money or equivalent such as cheques, pre-paid tickets	£500 for money limit minimum £200 for cash minimum	How long can you make a claim to the police to be covered? Is there a 24-hour claim limit?
Dental emergency	Covers for emergency dental care	£250 minimum	What is included in emergency dental care? Cosmetic will most of the time be excluded
Loss of passport or documentation	Covers additional fees such as accomodation or travel replacement as a result of loss of documentation	£250 minimum	How many nights are covered? Do you need receipts of any additional fees incurred?

Which upgrades could you add as extras for your travel insurance to Egypt?

Additionally, you may tailor your policy for your trip to Egypt area with optional extras such as:

• Business trip insurance for Egypt
• Sport, winter sport, extreme sport cover
• Schedule Airline Failure (at least £1500 covered)
• Gadget insurance
• Cruise cover
• Etc.

What does your travel insurance to Egypt not cover?

Most travel insurers will not give financial compensation for:

• Any claim made as a result of pre-medical condition or pending diagnosis undeclared at the time of purchase
• Any claim made as a result of you being under drugs or alcohol
• Difficulties due to natural disaster, war, civil unrest (watch out for strikes)
• Any claim made as a result of a terrorist attack (except if you took this cover as an option)
• Pregnancy and childbirth complications during travel

What else should you pay attention to while shopping around for travel insurance for Egypt?

While shopping around for travel insurance for your trip to Egypt, always pay attention to:

• The compensation amounts you will get for a claim by consulting our up-to-date reviews on each insurer (especially for medical expenses, trip cancellation, personal liability, baggage and personal belongings)
• The deductible amounts you’ll have to pay in case of claim (don’t forget that you’ll need to pay the excess on each claim)
• The exclusions you may have in your policy (strike, cancellation trip due to the carrier defaulting etc.)
• Coverages included in policies or available as upgrades (winter sports, business trip etc.)
• The claim process (100% online? How many days do you have to make a claim?)
• The maximum duration of each trip included as standard (at least 31 days)
• The upper age limit (if you are a senior travelling).

What should I know before travelling to Egypt?

Is Egypt safe to visit?

This is what the Foreign Travel Office writes about Egypt:

The Foreign and Commonwealth Office (FCO) advise against all travel to the Governorate of North Sinai.

The FCO advise against all but essential travel to the rest of Egypt.

The Egyptian government has announced that flights to and from Egypt will be suspended at 12 noon on 19 March until 31 March. If you are already visiting Egypt, you should urgently contact your airline or tour operator and arrange your departure from the country.

There is an ongoing outbreak of coronavirus (COVID-19) and cases have been confirmed in Egypt. The Egyptian authorities have introduced a number of measures to limit the spread of the virus. Schools, universities and nurseries have been closed since 15 March and are currently planned to remain closed until 28 March. The government has also banned large public events.

An estimated 415,000 British nationals visited Egypt in 2018. Most visits are trouble free.

Following the attack on the coalition base at Taji in Iraq on 11 March, and subsequent US airstrikes, tensions may be raised across the region. There is a possibility of an increased threat against Western interests, including against UK citizens. You should remain vigilant and keep up to date with the latest developments, including via the media and this travel advice.

Terrorists are very likely to try to carry out attacks in Egypt. There is considered to be a heightened threat of terrorist attack globally against UK interests and British nationals, from groups or individuals motivated by the conflict in Iraq and Syria.

Although most attacks occur in North Sinai, there is a risk of terrorist attacks across the country. Attacks could be indiscriminate, affecting Egyptian security forces, religious sites, large public gatherings and places visited by foreigners. There is a heightened threat of terrorist attacks in or around religious sites and during religious festivals, such as the month of Ramadan and the Christmas period (including Coptic Christmas), when terrorist groups have sometimes called for attacks. Terrorist attacks have occurred over local holiday weekends. Terrorists have attacked tourists in Egypt in the past. There is a heightened threat of terrorist attacks targeting Coptic Christians from extremists linked to Daesh-Sinai in Egypt.

You should follow the advice of Egyptian authorities, remaining particularly vigilant and maintaining a high level of security awareness in crowded places and at large gatherings. You can find a list of public holidays on the British Embassy Cairo website. The authorities in Egypt maintain a significant security presence across the country, including armed security officers stationed at important sites, critical infrastructure, and road checkpoints. Extra measures are in place at tourist sites.

Following the crash of a St Petersburg-bound flight in North Sinai in October 2015, direct flights between the UK and Sharm el Sheikh were suspended. The UK government has worked with Egyptian authorities to enable flights to resume, and on 22 October 2019 the restrictions were lifted. You should check with your airline or tour operator for information on services.

There remains a heightened risk of terrorism against aviation in Egypt. Additional security measures are in place for flights departing from Egypt to the UK. You should co-operate fully with security officials at airports.

British passport holders travelling to Egypt normally need a visa.

The Egyptian authorities have suspended diplomatic relations with Qatar. If you have a query relating to your travel plans, you should contact your airline or tour operator.

To contact the emergency services call 122 (police), 123 (ambulance) or 180 (fire).

If you’re abroad and you need emergency help from the UK government, contact the nearest British embassy, consulate or high commission. Consular support is severely limited in parts of Egypt where we advise against all travel and limited where we advise against all but essential travel.

Take out comprehensive travel and medical insurance before you travel.

How to contact the British Embassy in Egypt?

Depending on where you are located, you can contact:

	British Embassy Cairo
Address	British Embassy Cairo British Embassy 7 Ahmed Ragheb Street Garden City Cairo Egypt
Phone (if you’re in Egypt)	2 (02) 2791 6000
Phone (if you’re in the UK)	020 7008 1500
Email	www.gov.uk/contact-consulate-cairo