Yes, travel insurance is worth carrying for a trip to Rabat, Morocco's capital on the Atlantic coast, though the case for it here is milder than in much of the rest of the country. Rabat has some of Morocco's strongest hospital facilities as a matter of course, being the seat of government, so the honest reason to carry cover is everyday trip disruption and cost rather than any real gap in local care.
Care standards in Rabat itself are genuinely solid for a Moroccan city, and routine or even moderately serious treatment is generally available without needing transfer elsewhere. Casablanca, Morocco's largest city and home to the country's busiest international airport, sits under an hour away and offers a further tier of specialist facilities if anything more complex arises during your stay.
The Atlantic coast around Rabat draws a genuine surfing crowd to beaches like Plage des Nations just north of the city, and the swells here can be substantial by European standards. Check that your policy covers surfing and other board sports before paddling out, since some general policies exclude them entirely or cap cover at a casual-swimming level that a real surf session exceeds.
Winter swells, roughly November through February, bring the Atlantic coast's biggest waves and the strongest rip currents, along with occasional storm systems that can disrupt coastal travel and flights out of Rabat or Casablanca. Trip-delay cover is worth checking if your visit centers on the coast during this window rather than a purely inland itinerary.
Keep any clinic paperwork and receipts for treatment if you need care in Rabat or after a transfer to Casablanca, and check whether your existing health cover extends abroad and specifically to Morocco before relying on it. Confirm your policy's claims-reporting window rather than assuming reimbursement is automatic once you are home from your trip.