Morocco is consistently among the top five countries globally by Schengen visa applications. France processes more Moroccan applications than any other EU country, followed closely by Spain. Every Moroccan national applying for a Schengen visa must show proof of compliant travel insurance before their appointment.
Quick Answer
Moroccan nationals need Schengen travel insurance with a minimum of €30,000 (approximately 330,000 MAD) in emergency medical and repatriation coverage, valid across all 27 Schengen countries.
What Insurance Do Moroccan Nationals Need for a Schengen Visa?
The Schengen visa insurance requirement is set by the European Commission under Regulation EC No 810/2009. Regardless of which country's embassy you apply through — France, Spain, Italy, Germany, or any other — the minimum requirements are the same:
- Minimum €30,000 in medical coverage — covering emergency treatment, hospitalization, and repatriation to Morocco
- Valid across all 27 Schengen countries — even if you only plan to visit one country
- Covers your exact travel dates — the policy must begin on or before your entry date and end on or after your departure
- Includes emergency medical evacuation — transport to the nearest adequate hospital and back to Morocco if needed
- From a recognized international insurer — the carrier must be authorized in your home country or internationally recognized
Morocco has a Schengen refusal rate of approximately 35%. France processes more Moroccan applications than any other EU country — their consulates are highly experienced and highly specific about insurance requirements.
Important for Moroccan applicants: TLScontact (which handles French Schengen applications in Morocco) and VFS Global may offer insurance at their centers. This is optional. Independent plans offer better coverage at lower cost.
Cost of Schengen Insurance for Moroccan Nationals
Cost depends on your age, the length of your trip, and the coverage level. Here's a general pricing guide:
| Age | 15-Day Trip | 30-Day Trip | 90-Day Trip |
|---|---|---|---|
| 18–35 | $12–$18 | $22–$35 | $55–$90 |
| 36–50 | $15–$24 | $28–$45 | $70–$110 |
| 51–65 | $22–$38 | $40–$70 | $110–$180 |
| 66–75 | $35–$60 | $65–$110 | $180–$280 |
| 76–85 | $55–$90 | $100–$160 | $280–$420 |
Estimates for basic-to-mid plans. Actual prices depend on plan selection and exact dates. Use our quote tool for a precise rate.
Healthcare Costs by Schengen Country — What You're Insuring Against
European healthcare costs vary widely. Here's what Moroccan travelers could face out-of-pocket without insurance in the most popular Schengen destinations:
| Country | Hospital/Day | ER Visit | Air Evacuation | Risk Level |
|---|---|---|---|---|
| 🇩🇪 Germany | €700–€1,200 | €200–€600 | €25,000–€50,000 | High |
| 🇫🇷 France | €600–€1,100 | €150–€500 | €20,000–€45,000 | High |
| 🇨🇭 Switzerland | €1,500–€3,500 | €400–€1,200 | €30,000–€60,000 | Very High |
| 🇮🇹 Italy | €500–€900 | €100–€400 | €18,000–€40,000 | High |
| 🇳🇱 Netherlands | €700–€1,300 | €200–€600 | €20,000–€45,000 | High |
| 🇬🇷 Greece | €300–€700 | €80–€300 | €15,000–€35,000 | Medium |
| 🇪🇸 Spain | €400–€900 | €100–€350 | €15,000–€40,000 | Medium |
| 🇵🇹 Portugal | €350–€700 | €80–€250 | €14,000–€35,000 | Medium |
Representative costs for non-EU/non-EEA travelers. The €30,000 minimum coverage typically covers most single incidents in medium-risk countries. For Switzerland or multi-country trips including Germany, higher coverage limits ($100,000–$500,000) are strongly recommended.
Best Schengen Insurance Plans for Moroccan Nationals
For full plan reviews, see our detailed guides on WorldTrips Atlas International, IMG Patriot International, and Trawick Safe Travels First Class. For a cost-focused breakdown, see our Schengen travel insurance cost guide.
WorldTrips
Atlas International
from $8/wk
Medical
Up to $2M
Evacuation
$1,000,000
Max Age
99
- ✓Lowest price for young travelers
- ✓Instant digital certificate
- ✓Accepted at all EU consulates
IMG
Patriot International
from $10/wk
Medical
Up to $1M
Evacuation
$500,000
Max Age
99
- ✓24/7 global assistance line
- ✓IPA hospital network in Europe
- ✓Best for travelers over 65
Trawick International
Safe Travels International
from $15/wk
Medical
Up to $1M
Evacuation
$500,000
Max Age
89
- ✓Acute onset of pre-existing conditions
- ✓Telemedicine included
- ✓Strong for family groups
Get an Instant Schengen Certificate
Compare plans, choose your coverage, and get a certificate in minutes — accepted by all EU embassies.
Embassy-Specific Tips for Moroccan Applicants
While the insurance requirements are uniform across all Schengen embassies, consulates serving Moroccan applicants have slightly different document review processes:
France processes more Moroccan Schengen applications than any other EU country. The French Consulate in Casablanca and Rabat require certificates explicitly showing €30,000 coverage across all Schengen countries — not just France.
Spanish Consulate in Casablanca handles Morocco's largest Spanish visa demand. Policy must include repatriation of remains. Certificate must clearly state 'Schengen Area' coverage territory.
Italian Consulate in Casablanca accepts USD-denominated certificates. Ensure coverage converts to €30,000+.
German Consulate in Casablanca and Rabat processes business and student visas. They require explicit medical evacuation — not just emergency medical treatment.
Belgian consulate handles Moroccan applications for the Belgium and Luxembourg zone. Certificate must explicitly cover all 27 Schengen countries.
Dutch consulate verifies exact date match. Add 1–2 days as policy buffer — especially important for multi-city family group trips.
Step-by-Step: How to Buy Schengen Insurance in Morocco
- Enter your trip details — destination country, your travel dates, and the number of travelers. This takes under 2 minutes.
- Choose a Schengen-compliant plan — WorldTrips, IMG, and Trawick all meet EU requirements. Select based on your age, budget, and any pre-existing health conditions.
- Complete payment online — secure checkout takes about 1 minute. Credit and debit cards accepted, including international Visa/Mastercard.
- Download your certificate instantly — your insurance certificate arrives by email immediately after payment. Print it or save it digitally for your visa appointment via TLScontact or VFS Global in Casablanca or Rabat.
- Submit with your visa application — attach the certificate to your Schengen visa application documents. It meets all EU embassy requirements.
What if my Schengen visa is rejected?
If your visa application is denied before your travel starts, you can typically get a full or partial refund on your insurance policy. Contact Tower Hill at support@towerhillcorp.com or (844) 950-3468 with your embassy rejection letter and we'll coordinate the refund with the carrier.
Frequently Asked Questions
Do Moroccan nationals need travel insurance for a Schengen visa?
Yes. Moroccan nationals applying for a Schengen visa must provide proof of travel insurance with a minimum of €30,000 (approximately 330,000 MAD) in emergency medical coverage. The policy must be valid across all 27 Schengen countries for the entire duration of your stay.
France vs Spain — which consulate is stricter for Moroccan applicants?
Both French and Spanish consulates in Morocco are thorough, but France processes more Moroccan Schengen applications than any other EU country and their document review is extremely specific. French consulates require exact date matching and clear €30,000 Schengen-wide coverage statements. Spanish consulates focus heavily on repatriation of remains coverage.
How much does Schengen insurance cost for Moroccan applicants?
Schengen insurance for Moroccan nationals typically costs $8–$25 per week depending on age and coverage level. A 30-day plan for a 30-year-old typically costs $24–$45 total. Use our quote tool for an exact price based on your trip dates and age.
Can I cancel my Schengen insurance if my visa is denied?
Yes. If your Schengen visa application is denied before your travel starts, you can typically get a full or partial refund on your insurance policy. Submit the embassy rejection letter to Tower Hill and we'll coordinate the refund with the carrier.
Which Schengen plan is best for Moroccan seniors over 65?
IMG Patriot International is the best option for Moroccan seniors — it accepts travelers up to age 99 and provides up to $1M in medical coverage with a 24/7 global assistance line. WorldTrips Atlas accepts up to age 99 at lower cost. Note that WorldTrips reduces acute onset coverage at age 80+, while Trawick extends meaningful coverage to age 89.
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