Updated on 16 September 2026 ·
source checked daily
Libya — official level as of 16 September 2026: Level 4/4 ("Do Not Travel"), from the U.S. Department of State. Maximum Insurance covers this country: hospital settled directly, unlimited repatriation, CHF 1.5M, certificate on payment.
Four official readings
United StatesState Departmentsource ↗Our reference level — the one shown across this site
Is the whole country advised against?Yesthe whole country is formally advised against
Level 4/4 — “Do Not Travel”
FranceFrance Diplomatiesource ↗Added on top of the U.S. level, under its own rules: red or orange AREAS
Is the whole country advised against?Yesthe whole country is formally advised against
“tout déplacement en Libye est formellement déconseillé (hormis à Benghazi et Misrata où les déplacements sont déconseillés sauf raison impérative) en…”
United KingdomFCDOsource ↗Added on top of the U.S. level, under its own rules: travel statuses
Is the whole country advised against?Nono restriction on the whole country+ parts of the country
our reading: all travel advised against to parts of the country · all but essential travel advised against to parts of the country
source reviewed 21 July 2026
SwitzerlandFDFAsource ↗Advisory cited by the Maximum policy
Is the whole country advised against?Yesthe whole country is formally advised against
our reading: Switzerland’s FDFA advises against all travel to the country
advice published 07.10.2025
These readings do not say the same thing. The United States, France and Switzerland say yes; the United Kingdom says no — a 2-band gap on our comparison scale.Our comparison reading: 15 September 2026
Every country has its own scale, so we ask them all the same question: is the whole country advised against?
An advisory covering only areas of the country does not raise the answer: it stays “No”, and the area is shown in the relevant column.
The level shown on this page — and across this site — is the one published by the U.S. State Department, from 1 (normal precautions) to 4 (do not travel). France and the United Kingdom publish their own advisories, with their own rules: they add to that level, they do not replace it.
Level 4/4 — Do Not Travel
Checked on 16 September 2026 · U.S. State Department
Country briefing
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The comparator
What is your current insurance?
The verdict
Your Amex Platinum expressly excludes this trip: the T&Cs rule out travel to countries your government has advised against visiting.
Exact wording (official French text): « Des Voyages vers des pays où Votre gouvernement a conseillé de ne pas voyager » — general exclusion n° 11, applying to ALL travel covers.
Visa certificate (incl. Schengen) — nominative, issued on payment
$990 for twelve months, unlimited trips — or $99/month.
Conflict-zone extraction and Kidnap & Ransom fall under the Pack VIP Extreme (GC art. 18.4), with dedicated crisis management — these two guarantees are granted ✦ subject to eligibility.
Travelling only once? Below three trips a year, this contract is probably not for you.
Where, exactly?
What the national level does not tell you
The level is national. Risk areas are in the state advisories below.
U.S. State Department — the full advisory details the regions concerned and the reasons (crime, terrorism, kidnapping, civil unrest)
(read the advisory)
Foreign, Commonwealth & Development Office (United Kingdom) — the United Kingdom advises against all travel to PARTS of the country and advises against all but essential travel to parts · reviewed 21 July 2026 Last announced change : « FCDO now advises against all but essential travel to the cities of Tripoli, Benghazi, Al-Bayda and Derna, and the surrounding area knows as Jebel Akhdar, either side of the coastal and desert roads between and including the towns of Al-Maq » (read the advisory)
France Diplomatie — the French advisory covers the WHOLE country: « tout déplacement en Libye est formellement déconseillé (hormis à Benghazi et Misrata où les déplacements sont déconseillés sauf raison impérative) en raison des risques élevés auxquels s’exposent les voyageurs. » (read the advisory)
No major event in progress is located in this country at this morning's check.
What we do locate on the map are events in progress — earthquakes and disasters reported by USGS and GDACS (UN / European Commission), which do have real coordinates. Hover a dot for details, click to open it in this briefing.
What is happening in Libya right now
Live alerts and level changes, each with its official source. Continuously updated.
No level change recorded for this country since the log opened. The live alerts above are updated continuously.
Level 4/4: in an emergency our assistance desk names the facility. The list below is OpenStreetMap, not a partner network. Hospitals with emergency rooms, nearest evacuation airport and live alerts — public data (OpenStreetMap, GDACS), computed live. In an emergency, one reflex: +41 22 ••• •• ••.
Level 4/4 ("Do Not Travel") according to the U.S. Department of State, retrieved on 16 September 2026. Maximum Insurance checks this official source every day.
What does Maximum Insurance do in Libya?
The Pack VIP ($990 for twelve months, unlimited trips) covers CHF 1.5M emergency medical expenses, unlimited evacuation and repatriation, the direct payment guarantee in hospital, and a nominative certificate in the format visa applications require, Schengen included. The Pack VIP Extreme adds crisis management & security and Kidnap & Ransom (subject to eligibility).
Do I need an insurance certificate for a Libya visa?
Many consulates require proof of international medical cover before issuing a visa — Schengen included for non-European travellers. Maximum Insurance issues the official named certificate on payment, accepted for these procedures.
What should I do if hospitalised in Libya?
One reflex: call +41 22 ••• •• •• (24/7). Within our worldwide medical network — 45,000 medical providers — the insurer sends its direct payment guarantee: the hospital is settled directly, no deposit advanced by the traveller.
Is an Amex, Visa or Mastercard enough in Libya?
These are travel-insurance options, with a public notice. At level 4/4 (Do Not Travel), several notices rule the trip out (Amex, exclusion no. 11; Mastercard Fortuneo, art. 5.5). Below that, the area exclusion generally does not apply — 90 days max, reimbursement afterwards, no visa certificate remain. The VIP Pack runs 12 months, pays the hospital, and issues the certificate on payment.
Are a health plan or a travel policy enough in Libya?
A health plan treats you at home: the hospital here asks for a guarantee before admission. A travel policy has its own terms — often a territorial clause at level 4/4, and 90 days. Without the document (IPID number or PDF), we cannot say. Ask a Maximum Insurance expert to call you back.
The displayed level comes from the State Department, checked every morning. Before departure, always cross-check your country of residence's advisory: that is what your policy cites.
The level shown is the official U.S. Department of State level, checked daily. Maximum Insurance is an insurance distributor — general information, not personal advice.