The Saudi government requires all Hajj and Umrah pilgrims to carry valid travel insurance. With millions of pilgrims from over 180 countries converging in Mecca and Medina, here is what you need to know.
Saudi Arabia's Insurance Requirement for Pilgrims
All pilgrims performing Hajj or Umrah must have valid travel insurance covering medical expenses, hospitalization and repatriation. This requirement is enforced by the Saudi Ministry of Hajj and Umrah. Pilgrim visas may be refused without proof of adequate coverage.
Medical Risks During Hajj and Umrah
Heat-related illness, respiratory infections, injuries from crowd movement and pre-existing condition exacerbations are the most common medical issues during Hajj. Temperatures in Mecca can exceed 45C during summer months. Medical facilities in the Haramain are excellent but extremely busy during peak Hajj season.
What IATI Covers for Pilgrims
IATI covers medical expenses from EUR 50,000, hospitalization, specialist treatment, prescribed medications, repatriation (including in cases of death), and 24/7 multilingual assistance. Coverage applies throughout Saudi Arabia for the duration of your pilgrimage visa.
Coverage for Older Pilgrims
Many Hajj pilgrims are elderly. IATI has no age limit and covers complications of pre-existing conditions in emergency situations. The 24/7 telemedicine service is particularly valuable for pilgrims who need medical advice without the challenge of navigating Saudi healthcare in a foreign language.
How to Get Your Certificate Before Your Visa
Purchase IATI insurance first, receive your certificate immediately, then submit it with your Hajj or Umrah visa application. The certificate is in English and accepted by Saudi consulates and the Ministry of Hajj worldwide.
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