Tanzania is the perfect destination to take part in a wide range of activities such as safari tours, trekking, hiking and mountain climbing. All these activities are safe if you listen to your expert guides and instructors and participate with safety first in mind. However, accidents can happen and even though Tanzania is a safe destination to visit, travel insurance is as much of a necessity here as it is for any foreign holiday destination.
The most important factor you will require cover for will be travel insurance. This policy is vital in case you require medical assistance or fall ill whilst on holiday. Cover for your treatment and repatriation home can cost thousands, so it is best to be prepared for any eventuality and be covered just in case. You will also require cover for lost or stolen items, cancellation/cutting short of your trip and lost baggage.
Ensuring that you take out an insurance policy that covers all of the activities you are planning to take part in whilst in Africa is very important. For example, most tourists in Kenya and Tanzania will take a safari trip. The majority of insurance providers consider organised safari trips as a low risk activity, and will cover safaris in their basic policy. However, you should always read the provider’s “policy wording” to find out what you will be covered for. If the provider does not cover safari tours in their basic insurance policy, consider trying an alternative provider – most reputable ones will cover you without asking for additional fees.
If you are planning a trekking trip to Mount Kilimanjaro you may need a more comprehensive (sometimes referred to as “premium”) travel insurance policy. Hiking the Mountain will expose you to high altitudes which, on occasion, can cause health problems. The chances of you needing medical assistance are still low, but insurance providers insist that a more premium policy will be needed for any trekking expeditions over 6,000 meters altitude. You should inform your insurance provider you will be trekking Mount Kilimanjaro before you request information on an insurance for your trip. If you are mountaineering Mount Kilimanjaro (i.e. using technical climbing skills), then you would definitely need a premium insurance policy and may even need to purchase a policy from a specialist mountaineering insurance provider.
If you are planning on taking part in any other activities you should, as always, check your provider’s “policy wording” to see if they would be covered by the insurance policy.
By taking out travel insurance you will be able to relax and enjoy your holiday in East Africa safe in the knowledge that in the rare case of something unexpected happening, you will be covered by your insurance.
For more impartial information on travel insurance and what sort of policy you should purchase visit the Worlds Nomads.
Frequently Asked Questions
Do I really need travel insurance for a safari in Tanzania?
Yes, having travel insurance for a safari in Tanzania is highly recommended and often required by tour operators. Safaris usually take place in remote areas like Serengeti National Park where medical facilities are limited. Insurance gives you peace of mind in case of emergencies such as illness, accidents, or trip cancellations. It can also cover unexpected disruptions like flight delays or lost luggage. In short, it’s a small investment that can save you from major stress.
What type of insurance should I get for a safari?
You should choose comprehensive travel insurance that includes medical coverage, emergency evacuation, and trip cancellation. Emergency evacuation is especially important because reaching hospitals from places like Ngorongoro Crater may require air transport. Look for policies that also cover safari, related activities like game drives and guided walks. Some plans even include coverage for lost or damaged gear such as cameras and binoculars. Always read the policy carefully to ensure it fits your travel plans.
Does safari insurance cover medical emergencies?
Most good travel insurance policies do cover medical emergencies, including doctor visits and hospital stays. However, the key feature to check is emergency evacuation, which can be very expensive without coverage. In remote parks like Tarangire National Park, evacuation may involve flying to a major city. Without insurance, these costs can quickly add up to thousands of dollars. That’s why it’s important to choose a policy with high medical limits.
Is insurance required by safari companies in Tanzania?
Many safari companies strongly recommend insurance, and some luxury operators may even require proof before your trip. This is because they operate in wild and remote environments where risks are part of the adventure. Insurance ensures that both you and the operator are protected in case something goes wrong. It also helps speed up assistance if an emergency occurs during your safari. Even if it’s not mandatory, it’s always a smart decision.
What should I check before buying safari insurance?
Before buying insurance, check the coverage limits, exclusions, and whether safari activities are included. Make sure the policy covers destinations like Tanzania and includes emergency evacuation. It’s also wise to confirm coverage for delays, cancellations, and personal belongings. Pay attention to any pre, existing condition clauses if they apply to you. Taking time to review these details helps you travel with confidence and avoid surprises later.
Still have questions?
Our local safari experts are happy to help you plan the perfect African safari.
