Yes, travel insurance is worth carrying for a Red Sea trip to Hurghada, and the honest reason centers on diving and the real distance to advanced medical care rather than everyday danger in the resort itself. Hurghada is one of Egypt's best-known diving hubs, with reef and wreck sites around the Giftun Islands drawing divers of every level, and that activity - more than the resort stay itself - is where a policy earns its keep, alongside the usual cover for lost luggage or a cancelled flight home.
Hurghada has local hospital and clinic services for routine treatment, but anything serious, including decompression-related illness, is generally referred to Cairo, Egypt's real tertiary-care hub, for higher-level treatment. Do not assume specialized facilities are automatically available on the Red Sea coast itself; confirm your policy explicitly covers diving-related medical treatment and evacuation to Cairo, since this referral step is the part of a serious diving incident most likely to involve real cost and delay, and check that it does not quietly cap diving-related claims below what a Cairo transfer would actually cost.
Diving and snorkeling are the defining activities here, and standard travel policies do not always cover scuba diving without an explicit rider, particularly beyond recreational depth limits. Confirm your policy names diving specifically and check any depth cap before booking a liveaboard or day-boat trip, and treat this as more important than most other cover you carry for a Hurghada visit.
Hurghada's desert climate brings genuinely extreme summer heat, particularly from roughly June through August, which is worth factoring into activity planning and hydration rather than insurance cover specifically. Keep any dive-operator incident reports, clinic paperwork, and receipts for treatment if something goes wrong, and check whether your existing health cover extends abroad and specifically to Egypt before assuming a standalone travel policy is unnecessary for this trip.