The truth is that you will get the most out of every activity when you decide to go on safari in Africa, no matter where you go. In addition to climbing mountains, rafting, boating safaris, visiting the savannah plains, and much more, this safari typically includes guided nature walks that will get you closer to wildlife. Consider purchasing a quality travel insurance policy as you cross off all of the aforementioned tasks from your list of things to accomplish while in Africa.

Travel insurance: what is it?

Simply put, the purpose of travel insurance is to protect you while you are traveling outside of your nation of residence. Anything from your lodging overflowing or becoming weather-beaten to an adverse reaction to any of the unique foods could happen during your safari. In these situations, travel insurance will protect you from unanticipated events that could cost you a lot of money.

Travel insurance is as crucial as any other activity on your list, even though it might not be the safari’s high point. Here are some reasons why having travel insurance for your safari is important.

Why purchase travel insurance while on an African safari

Having a travel insurance policy is crucial whenever you intend to travel, especially when you are visiting a foreign nation. It has nothing to do with how cautious you intend to be on safari.

Indeed! Although safari places are safe, incidents can nevertheless occur abroad, just as they might at home. The distinction here is that it is typically difficult to make arrangements for medical care, treatment, or any other remedy in the event that something goes wrong when you are in a foreign nation.

Because of this, you have ample time to enjoy and unwind during your trip when you have a decent travel insurance policy because you know that, in the unlikely event that something goes wrong, you will be protected and at ease while on safari.

Even while everyone traveling on safari needs travel insurance, that doesn’t mean you have to pick one. Remember that not all travel insurance plans are created alike, so you should pick the one that offers complete coverage for your safari and fits the type of trip you are planning.

The Top 10 Benefits of Quality Travel Insurance

As previously said, all you need for your safari is an insurance policy that provides adequate coverage. The following list of six important characteristics will help you determine what your travel insurance should cover.

Places to Visit

Because some places are not covered by regular travel insurance, make sure you check with your agency before purchasing an insurance policy to be sure you will be protected for every place you visit. As a result, it is crucial that you do your homework before visiting any place.

Health care

Having adequate medical coverage is crucial when visiting a foreign nation. It is crucial to have it, but it does not imply that you will get sick or hurt. Because basic insurance policies often cover minor illnesses or injuries, make sure you have adequate medical coverage so that you are fully protected in the event of an accident or serious injury.

Return of Medical Personnel

Airlifts and medical evacuations back to your own country are examples of this expensive and emergency-like situation. It is suggested that you contribute at least a small amount to it.

Activities

Because medical insurance typically does not cover certain hobbies, such as white water rafting, hot air balloon safaris, and other adventurous pursuits, be sure your insurance policy covers them if you intend to travel with family or friends to partake in any of these activities.

Game viewing: Seeing the Big 5 and other beautiful wild creatures is typically on the list of things that visitors to Africa must see. As a result, it is crucial that you inform your insurance company of the kind of safari you plan to do and confirm that the policy includes coverage for the main activities, like game drives and nature walks or walking safaris.

Reduction and Termination

Due to the high cost of African safaris, make sure your insurance policy covers cancellation and trip restriction. This is because you might have to make an unforeseen trip home or cancel your trip before you get back.

Individual Property

We are all aware that when you travel, you will have your personal stuff, including pricey safari equipment like cameras and big sums of money. There is a chance that you will misplace or forget your luggage. Before you sign the contract, be sure that is covered as well and consider the value of your possessions.Preexisting condition waiver: Although certain travel insurance providers may not cover individuals with preexisting medical conditions, this does not mean that those individuals are not eligible for insurance coverage. For appropriate coverage in these situations, we suggest that you choose an agency that provides the “preexisting conditions waiver.” After all, everyone is entitled to adequate health insurance coverage.

coverage of the weather

It’s crucial to remember that, depending on the time of year, the weather in Africa can range from gorgeous bright days to intense storms. Make sure you do enough homework before booking your flight because you might think about purchasing travel insurance that includes weather insurance if you intend to go on safari during the rainy season.

Consider how you would like to be paid in the event of unforeseen circumstances, such as if your property gets wet. Would you like a refund for flights that are canceled or delayed? Will this cover you being moved to a different place in the event that your former lodging is flooded or even damaged by bad weather?

Age restrictions

Many insurance companies could be hesitant to provide coverage for people in specific age groups, especially the very young or very old. Therefore, before deciding which insurance company to choose, carefully review the age restrictions listed.

Delay in Travel

There are times when delays in trains, flights, cruises, or even trains occur during your safari excursions, causing you to fall behind schedule. It’s crucial to remember that there are typically a variety of conditions that qualify for an insurance company to pay for a delay. For example, in certain cases, you might not be given a new ticket until after you have had a flight delay due to overbooking.

Additionally, make sure that

You provide the insurers with your accurate age and any medical issues, as this influences the suggested policy and overall cost. Additionally, make sure you read the entire policy to make sure you don’t miss anything the insurers have mentioned.

What do insurance companies not cover?

You shouldn’t expect any reimbursement for a number of situations that insurance companies do not cover, such as drunk driving accidents, injuries sustained in extreme sports and adventure activities, lost money, and unnecessary medical examinations.

The Top 3 Suggested Travel Insurance Plans for Safari in Africa

Global Nomads
Because its coverage and policy are clear-cut, simple to comprehend, reasonably priced, and simple to extend, World Nomads is arguably the most well-liked travel insurance provider on the African continent. This is ideal for safaris of all lengths.

International Patriot

This is one of the top insurance companies that provides the greatest health coverage for people who are going abroad. Many vacationers enjoy it because of its global coverage and round-the-clock emergency response activities.

HCCMIS, or Atlas Travel Insurance
With extremely flexible packages, Atlas Travel Insurance provides coverage in more than 180 countries.

Wing of Safety
SafetyWing is a subscription service that you may renew while you’re on the road. For people going on a brief African safari of no more than six (6) days, it is highly recommended.

The price of African Safari travel insurance
Some of the approximate insurance premiums from various providers are listed below.

Patriot International Insurance Plan Highlights

Health insurance: up to $1 million

Coverage for medical evacuation: as much as the policy allows

Trip interruption: Up to $5,000 is covered.

Coverage for terrorism: up to $50,000

Up to $50,000 in coverage for return of remains

Atlas International Insurance Plan Highlights

Coverage for emergency evacuation: up to $1,000,000

Health insurance: up to $2,000,000

Protection against kidnapping and ransom

Coverage for terrorism: up to $50,000 in

coverage for misplaced luggage, travel delays, and natural disasters