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Travel Insurance for Safari

Practical advice and trusted information to help you prepare for your journey to Tanzania.

Travel Insurance

Why It’s Essential

Travel insurance protects you against loss, illness, and emergency evacuation — risks that are real in remote Tanzania. A helicopter evacuation during a remote safari can cost USD 10,000–50,000 out of pocket without insurance. Medical emergencies, trip cancellations, lost luggage, and flight delays are covered. Insurance provides peace of mind and practical support 24/7 via phone.

Coverage You Need

Medical Evacuation: Critical. A minimum of USD 100,000 coverage. Evacuations from the bush to Dar hospital can cost USD 15,000 or more.
Emergency Medical Treatment: USD 50,000+ minimum. Hospital stays, doctor visits, and medication in Tanzania are not expensive, but serious cases require Dar facilities. 
Trip Cancellation: Covers non-refundable costs if you cancel before departure due to illness or emergency. 
Baggage Loss: Reimburses lost luggage and personal items. 
Flight Delays: Covers accommodation if flights are delayed overnight.

Tanzania-Specific Risks

Malaria: Diagnosed malaria is often covered under medical treatment, but prevention medication is not. 
Dangerous Activities: Hot air balloons, walking safaris, and climbing are “adventure activities.” Confirm your policy covers these. 
Remote Area Evacuation: Ruaha and other remote parks may have evacuation delays. Ensure your insurer covers ground evacuation, helicopter, and medical transport.

What to Look For

  • Medical evacuation minimum USD 100,000

  • Adventure activity coverage (hot air balloon, walking safari, wildlife interaction)

  • 24/7 emergency hotline that speaks your language

  • Pre-existing condition clauses (check if your conditions are covered)

  • Cancellation coverage for trip cost (not just medical)

  • No exclusion for African travel

When to Buy

Purchase insurance immediately after booking your safari (within 14 days of first trip deposit). Buying early locks in pre-existing condition coverage and ensures you’re protected if you need to cancel. Annual multi-trip policies are excellent value if you travel multiple times per year.

Emergency Contacts

When you purchase insurance, your provider gives you an emergency number. Save this to your phone. In a medical emergency in Tanzania: (1) alert your lodge/guide immediately, (2) call your insurance emergency line, (3) follow their instructions. Serengeti Bucket List coordinates with medical facilities and can facilitate transport to Dar es Salaam if needed.

FAQ

Is travel insurance mandatory?

Not legally, but we strongly recommend it. Medical evacuation costs are catastrophic without it.

Check your policy details to confirm African travel, high-altitude coverage, and evacuation limits are included. Many domestic policies exclude international travel.

No. Buy before departure. Post-arrival policies don’t cover evacuation or trip cancellation.

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