Best Travel Insurance Companies for African Safari Vacations

by Team Insurepedia
Best travel insurance for african safaris

Best Travel Insurance suitable for African Safari Vacations

Are you planning a safari vacation to Africa?  Are you looking for a travel insurance to purchase?  This travel insurance guide is for you.

Embarking on an African safari trip as a vacation is a dream come true for many people from most of the  other regions of the world.

However, just like any form of travel to any place, safari trips come with some financial risks, that might call for insurance. Therefore, ensuring that you have the best travel insurance to safeguard your adventure is just as important as packing the right safari gear.

This blog post is an in-depth look at the best travel insurance options for any that is considering African Safari trips.

Insurepedia is reader-supported. When you buy through links on our site, we may earn an affiliate commission

Why is Travel Insurance for African Safari Vacations Important?

There are a number of reasons why you would really need a good travel insurance for your vacation to Africa.  First of all, African safaris often bring you close to wildlife, remote locations, and diverse landscapes.

While these aspects contribute to an unforgettable experience, they also involve inherent risks and unforeseen circumstances. From health-related issues and flight cancellations to lost luggage and emergency evacuations, the best travel insurance for an African safari should cover all these potential scenarios.

Why is travel travel insurance necessary for trips to Africa?

For Medical Emergencies:
While on safari, you might get sick, or seriously injured though an accident. Travel insurance can cover the costs of medical treatment in case of illness or injury. Medical care can be very expensive in some countries, and without insurance, you could end up with large bills.

Trip Cancellations or Interruptions:
If you need to cancel your trip due to unexpected reasons like illness, death of a family member, or other covered reasons, travel insurance can reimburse non-refundable expenses. This could happen before you begin your safari or even during your trip.  Travel insurance could help you here.

Baggage Protection:
If your luggage is lost, stolen, or damaged during your trip, travel insurance can help compensate for your belongings or cover the purchase of necessary items.

Flight Delays or Cancellations: Unforeseen delays or cancellations can lead to missed connections, additional hotel stays, or other unexpected expenses. Travel insurance can help cover these costs.

Emergency Evacuation:
In case of natural disasters, political upheaval, or severe medical emergencies, travel insurance can cover the costs of an emergency evacuation to a safer location or a medical facility.

24/7 Assistance:
Most travel insurance policies offer 24/7 helplines for travelers in need. This can be crucial when facing a crisis in an unfamiliar location.

Personal Liability:
If you’re found liable for causing injury to another person or damaging property, some travel insurance policies can cover legal expenses or compensation claims.

Protection against Airline or Tour Operator Insolvency:
If the airline, hotel, or tour operator you’ve booked with goes out of business, travel insurance can reimburse your costs.

Activity and Sports Coverage:
If you’re planning to partake in adventure sports or activities that might be deemed risky, specialized travel insurance can provide coverage in case of accidents.

Peace of Mind:
Perhaps one of the most underrated benefits is the peace of mind knowing that many of the unexpected challenges of travel will be mitigated, allowing you to focus on enjoying your trip.

Factors to Consider When Choosing Safari Travel Insurance

When looking for the most suitable travel insurance for you trip to Africa, there are some basic factors that one should have in mind. 

Here are some of the key factors to consider when choosing your travel insurance for the African adventure trip:

Medical and Emergency Evacuation Cover Limits

Check the policy you are considering to establish their cover limits in terms of medical expenses. If you were to be hospitalized for weeks, would they cover that?  Do they include emergency evacuation.  Does it cover rapid evacuation costs? In some of the remote safari locations, emergency evacuation costs can be significantly high.

What do they say about trip Cancellation, Delays or  Interruption?

Unforeseen circumstances such as illness, bereavement, political unrests,  or severe weather can cause your trip to be cancelled or interrupted. You may get delayed by flights, ferries etc. You should check to determine to what extent your Africa travel insurance would cover any non-refundable pre-paid costs should such things happen. It could happen.

Does it Cover Luggage and Personal Effects Lost?

Any type of travel, safaris included, often involve rough handling of luggage during the long haul flights. Something may also happen during the safari itself, once you get to Africa. For that reason, ensure your insurance covers the loss, theft, or damage of your belongings.

Age Limitations and Pre-existing conditions

There are some travel insurance companies won’t want to insure you if you have a pre-existing medical conditions.  If you are managing any medical condition, it is important to get to know that before you sign up.

Similarly, some insurers will look twice at your application if you’re above or below a certain age. Make sure to inquire about age limitations for children and seniors when you are discussing the policy.

What do they say about Adventure and High Risk Activities

Besides game drives viewing of wild animals using the safari vehicles, you might take part in other adventure activities as well. If your safari includes high-risk activities such as hot air balloon rides, walking safaris, etc  make sure your policy covers these.

What will NOT be covered on your Safari

Every Insurance business has limitations in terms of what will not be covered under the travel insurance policy.  But there are still variations within the industry. It is there crucial that you discuss this and understand that as well

For example, most insurers will not refund lost cash, accidents resulting from driving under the influence of alcohol, or injuries from extreme sports.

 

Having listed the important things to consider when looking for your insurance, let us know see some of the best travel insurance options for African Safari trips.

Best Travel Insurance Companies for African Safaris

  1. World Nomads

In our humble view, World Nomads is one of the best insurers for African Safaris and trips. This is simply because they provide insurance cover to very many parts of the world – and your African safari destination is likely to be among the destinations covered. Find out here though.

World Nomads is also one of the most flexible travel insurance providers.  One of the most outstanding features offered by World Nomads is what they refer to as ‘Buy and Claim on the Road’. This means you can make changes on the go. If you had change of plans, you are still covered. You can extend your period of cover or claim online at any point in your journey.  For this reason, it has become a darling of  globetrotters.  Their policies cover a range of activities, including over 150 adventurous ones that might actually be part of your safari trip.

They also offer medical and emergency evacuation cover. They have a multi-lingual team available 365/24/7 to connect you with emergency transportation and medical help should the need arise during your safari.  World Nomads also offers trip cancellation, and interruption covers.

Your can even buy a World Nomads cover if you already traveling. For example, if you begun your safari vacation believing you did not need any travel insurance, but realise you might need one!

  1. Allianz Travel Insurance

Allianz offers a variety of travel insurance plans, including single trip plans ideal for safaris. Their coverage includes emergency medical services, trip cancellation and interruption, lost or stolen luggage, and more. They also offer 24/7 assistance services, an essential feature when traveling in remote areas.

  1. Travelex Insurance Services

Travelex is known for its customizable plans. They offer excellent medical and evacuation coverage, which is crucial for safari trips. Their plans also include trip cancellation, interruption, and delay, as well as baggage protection.

  1. Travel Guard by AIG

Travel Guard offers a wide variety of travel insurance plans with extensive coverage. Their ‘Adventure Sports Coverage’ option is particularly useful for safari travelers who may participate in adventurous activities. Plus, they provide emergency medical and evacuation coverage, trip cancellation, and interruption, along with baggage and personal effects coverage.

  1. InsureMyTrip

InsureMyTrip is a travel insurance comparison site where you can compare multiple policies at once. This platform is perfect for those looking for specific coverage at the best price. They also offer a ‘Anytime Advocates’ service that will help you if you have a claim that’s denied.

Final thoughts

Remember, when you’re planning that dream African safari, make sure you’re fully prepared for any unexpected mishaps. Investing in the best travel insurance can give you peace of mind and allow you to immerse yourself in the awe-inspiring wildlife and landscape that awaits you on your safari vacation.

Remember to always read the fine print and fully understand the inclusions and exclusions of your travel insurance policy. Consult with a trusted insurance advisor if you need further clarification.

Are you planning an African safari trip? What are your top travel insurance considerations?

You may also like

Leave a Comment