Travel Insurance

Purpose of this Advisory:
Whilst Africa offers an exceptional and often life-changing travel experience, it is important to note
that travel within the continent inherently involves exposure to dangerous wildlife, logistical,
medical and environmental risks. Accordingly, obtaining comprehensive travel insurance is a critical
component of responsible travel planning. The selection of an appropriate policy ensures that you are
financially protected against unforeseen events that may disrupt or impact your trip.

Travel insurance premiums are determined by various factors, including the total value of the trip,
the traveller’s age, the specific destinations visited, the nature of activities included, and the desired
level of coverage.

Comprehensive insurance coverage ensures you can travel with confidence, knowing you are
financially protected.

Essential Travel Insurance Coverage for an African Safari:

  1. Emergency Medical and Evacuation Coverage
    Why it’s crucial: Medical infrastructure in remote safari destinations is often limited. In the event of
    a serious illness or injury, emergency medical evacuation to a suitable medical facility may be
    required.
    What to look for: Select a policy that covers emergency medical treatment, hospitalization, and
    evacuation.
  2. Trip Cancellation and Interruption Insurance
    Why it’s crucial: Unexpected circumstances such as illness, flight disruption or political instability
    may necessitate trip cancellation or early return.
    What to look for: Ensure your policy provides reimbursement for non-refundable travel costs in the
    event of a cancellation or interruption. The initial deposit for your holiday is usually 30% of the land
    arrangements and full payment for flights.
  3. Adventure Activity Coverage
    Why it’s crucial: Safaris frequently involve activities such as game drives in open 4×4 vehicles,
    guided bush walks with dangerous animals and boating excursions where there is wildlife. Access to
    certain areas can be by light aircraft. Many standard insurance policies exclude these activities.
    What to look for:
    Confirm that your chosen policy explicitly includes all adventure and safari-related activities you
    intend to participate in.
  4. “Cancel for Any Reason” (CFAR) Option
    Why it’s crucial:
    This optional benefit provides flexibility by allowing you to cancel your trip for reasons not
    otherwise covered under a standard policy.
    Consideration: CFAR coverage typically reimburses between 50% and 75% of non-refundable costs
    and must generally be purchased within a specified period after booking.
  5. Baggage and Personal Belongings Protection
    Why it’s crucial: Loss, theft, or delay of luggage, particularly valuable photographic equipment, can
    occur during travel.
    What to look for: Select coverage for lost, delayed, or stolen baggage and personal belongings.
    Note: Certain policies provide additional coverage for high-value items, such as professional camera
    gear, which is often essential for safari travellers.

Suggested insurance companies:
The following companies are provided for reference purposes only. Their inclusion does not
constitute an endorsement or guarantee by African Sojourns, and travellers are encouraged to
conduct their own due diligence to determine suitability based on personal requirements, itinerary,
and risk tolerance.

Most reputable insurance providers offer 24-hour emergency assistance, which can be invaluable for
coordinating medical care, evacuation, or other urgent matters.

 

Disclaimer:
This information is provided as a general advisory to assist travellers in making informed
insurance decisions. Policy terms, coverage limits, exclusions, and conditions vary between
providers and may change without notice.

African Sojourns does not sell, issue, or receive commission from any travel insurance
provider. Travellers are solely responsible for reviewing the full terms and conditions of any
policy purchased and for ensuring that the selected insurance meets their specific travel and
medical requirements.