Do I need travel insurance for حج?

Yes, health insurance is mandatory for all حج حجاج entering Saudi Arabia. The Saudi government requires that authorized حج operators provide basic health insurance as part of their packages. This typically covers ایمرجنسی medical treatment at designated حج healthcare facilities. However, this basic coverage may not be sufficient for all situations.

It is strongly مستحب to purchase additional comprehensive travel insurance that covers: ایمرجنسی medical expenses beyond the basic plan limits, medical evacuation (including air ambulance), trip cancellation or interruption, lost or delayed luggage, personal liability, and repatriation of remains in the unfortunate event of death. Given the physical demands and extreme heat during حج, the risk of medical emergencies is real.

When choosing insurance, verify that the policy explicitly covers Saudi Arabia and religious حج travel, as some standard travel policies exclude it. Check the coverage limits — medical treatment abroad can be expensive. Also confirm the policy covers pre-existing conditions if applicable. Keep digital and physical copies of your insurance documents with you at all times during the حج.