Questions to ask the insurer
- Does the policy cover Hajj specifically?
- Are my existing medical conditions declared and covered?
- What is the medical and repatriation limit?
- Does cancellation cover apply if I can't travel?
- Is there an age limit?
Get it in writing
Look for the words "Hajj" or "pilgrimage" in the policy wording, and check the exclusions for mass gatherings and for places the FCDO advises against visiting. If the wording doesn't mention Hajj, email the insurer and ask them to confirm in writing that your Hajj trip, including the days in Mina, Arafah and Muzdalifah, is covered. Keep that email with your policy.
Ask your Hajj provider what insurance, if any, comes with the package.
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