Travel Insurance
Travel Insurance is often mandatory in African countries, depending on your destination and tour operator; Tanzania, in particular, requires an inbound policy.
What Does Travel Insurance Cover
Trip Cancellations
Cancellations due to illness, injury, or severe weather. Hospital expenses due to an injury or illness, such as malaria.
Flight Delays
Emergency airlifts from a remote location and missing your safari departure due to a flight delay.
Risky Activities
Safari trekking, deep-sea activities, and hot air balloon safaris are covered under the terms and conditions.
Other Travel Insurance Coverage
Apart from the necessary aspects, your travel insurance would cover
Travel Insurance Coverage
Politically Unrest Areas
Know whether your travel insurance will cover political risks
- Political protests or civil unrest
- Terror-related incidents
- Airport closure and airline strikes
- Missed connections
- Delayed luggage
Travel Insurance Coverage
Emergency Evacuation
Check whether your insurance covers emergency evacuation
- Medical evacuation to the nearest hospital
- Air ambulance and medevac flights
- Repatriation to your home country
- Evacuation during natural disasters
- Evacuation during political unrest
- Remote safari and bush rescue
- 24/7 emergency assistance helpline
Travel Insurance Coverage
Protecting Gear and Equipment
Know whether your camera, electronics, and equipment will be covered.
- Theft of cameras and lenses
- Loss or damage to electronics
- Laptops, phones, and tablets
- Drones and accessories
- Single-item and total claim limits
- Gear left in vehicles or tents
- Police report needed for theft claims
- Keep receipts and serial numbers
Not Covered by Travel Insurance
Self-drive safaris
Handling dangerous animals
Undeclared adventure add-ons
Bush charter flights
Fear of travel
High-altitude treks
Medical checkups and health preparation costs
Transportation costs to and from Kilimanjaro
Seasonal prices
Additional and premium services cost extra.
How to Choose the Best Travel Insurance
Which Activities Undertaken
Make sure game drives, walking safaris, and balloon rides are covered. Adventure activities often need an add-on.
Is Government Involved
Check your government's travel advisories, as insurers may not cover high-risk destinations. Confirm cover for government-ordered evacuations.
Medical Evaluation Limits
Pick high medical and evacuation limits, as remote safari rescues are costly. Check the per-claim cap.
Travel Insurance in Africa
Frequently Asked Questions
Immediately after booking or after paying a deposit. It covers you against unexpected events that could lead to trip cancellation.
You need coverage for health costs, medical evacuation, trip cancellation, lost/delayed luggage, and theft. Make sure your policy covers the safari activity and flight delays.
Contact your insurance provider immediately. Follow the insurer's procedure. Gather documentation, especially if you have been involved in an accident; you will need your medical reports.
It might provide some coverage, although the limits would be small and exclusions numerous. Compare it with other types of insurance, especially medical and evacuation insurance.
In remote locations on safari tours, air transportation may be required, which is usually quite expensive. It is better to go for a policy with high evacuation limits.
