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Travel insurance protects you against loss, illness, and emergency evacuation — risks that are real in remote Tanzania. A helicopter evacuation from a Kilimanjaro climb or 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.
Medical Evacuation: Critical. A minimum of USD 100,000 coverage. Evacuations from the bush to Dar hospital can cost USD 15,000+. 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.
Altitude-Related Illness: Ensure your policy covers high-altitude trekking (2,500m+). Kilimanjaro (5,895m) and Meru (4,562m) climbs must be explicitly covered. Some policies exclude mountaineering; check. 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.
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.
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. SAT coordinates with medical facilities and can facilitate transport to Dar if needed.
Is travel insurance mandatory?
Not legally, but we strongly recommend it. Medical evacuation costs are catastrophic without it.
What if I already have travel insurance?
Check your policy details to confirm African travel, high-altitude coverage, and evacuation limits are included. Many domestic policies exclude international travel.
Is COVID coverage included?
Policies vary. Some cover COVID treatment; others exclude it. Confirm with your insurer.
Can I buy insurance after arriving?
No. Buy before departure. Post-arrival policies don’t cover evacuation or trip cancellation.
We are true experts when it comes to Tanzania. We live, work and travel here. Serengeti African Tours arranges lodge and camping safaris, trekking and hiking tours and beach holidays. We carefully select our well-trained guides, drivers, cooks and porters.