Travel Insurance for Africa

Compare Cheap Travel Insurance for Africa

Travelling through the diverse and exciting countries of Africa is a fantastic experience. From Tunisia to South Africa, you’ll encounter unique cultures and incredible new experiences.

But, like with any adventure, and especially one that puts you outside of your comfort zone,  things can sometimes go wrong. That’s where getting specialised travel insurance Africa coverage comes in. It offers you protection and support for various situations like missed flights, theft, medical expenses, and more.

Find travel insurance for Africa now with our quick and easy quote form.  

Travel insurance for Africa is usually sold with worldwide insurance coverage This means that even if you plan to travel through multiple countries on your trip, you can do so without having to worry about multiple insurance policies. 

However, if a country is considered high risk for any reason by the Foreign, Commonwealth & Development Office (FCDO) it will usually be excluded from insurance coverage. So be sure to check the latest travel advice on your destination before you buy. 

How much is insurance for travelling in Africa?

Travel insurance for Africa can be more expensive than European travel. This is because it covers so many different countries and because medical care costs can be higher outside of Europe. 

This coverage also includes repatriation, which is bringing you back to the UK for special medical attention or in case of emergencies. This can also be more expensive simply because you are further from home. 

Other factors influencing the cost of your insurance premium include:

• Your travel destination – Insurers will look at the likelihood of accidents and claims in the area you are travelling to.
• Your age – Typically, older individuals pay higher insurance premiums as they’re more likely to make a claim.
• Your planned activities – Engaging in high risk activities like travelling on motorbikes, or doing water sports can raise the cost of your policy due to the perceived increased risk.
• Pre existing medical conditions – Insurance costs may rise if you have specific medical conditions, as insurers consider you more likely to need medical attention.
• Coverage type – The type of cover you need is influenced by how frequently you travel. Single trip insurance is cost effective for a one off holiday, while an annual multi-trip insurance policy is beneficial if you travel multiple times a year.

If you need extra tips on making your money go further while you travel, you can check out our guide to making the most of your holiday fund. 

Do I need travel insurance for Africa?

Although insurance isn’t a legal requirement, we would strongly advise it for your personal and financial protection on your travels. Healthcare systems can vary greatly from country to country within Africa and insurance can ensure you don’t have to compromise on medical care when abroad.

Travelling without proper insurance can not only expose you to minor expenses like replacing a stolen phone or passport. But it can also leave you vulnerable to significant and financially devastating costs, including medical bills, damage to third parties, and legal fees.

How do I get travel insurance for East Africa?

If you’re looking for travel insurance for East Africa, you might consider backpackers insurance. This type of coverage offers protection for a longer trip and lets you move between various countries in the region while staying protected under one policy. 

What is covered by travel insurance for Africa?

With this type of cover, you’ll typically be insured for:

1. Medical treatment – Protection for the cost of medical treatment.
2. Repatriation – Coverage for costs of getting you back to the UK if you need specialised medical treatment.
3. Personal accident cover – Financial support for serious injuries like limb loss or blindness.
4. Holiday curtailment and cancellation cover – Protects your financial investment if you need to cancel or cut your trip short.
5. Personal liability cover – Covers you if someone else is injured due to your actions.
6. Legal expenses – Assists with legal fees if you need legal help.

What is not covered by travel insurance for Africa?

Most travel insurance policies typically don’t cover the following: 

1. Undeclared pre-existing medical conditions – You must tell the insurance provider about any existing medical conditions or you could invalidate your insurance.
2. Drugs and alcohol – Injuries or accidents while under the influence of drugs or alcohol may not be covered.
3. Extreme sports – Some high risk activities might need extra coverage that is usually offered as an additional add-on.
4. Terrorism and civil unrest – Check your policy carefully for coverage in these situations.
5. Natural disasters – Again check if your policy covers natural disasters, as some insurers wont cover these, especially in areas prone to these disasters.
6. Breaking the law – Claims resulting from illegal activities will be denied. It’s your responsibility to know and abide by the laws in the countries you visit.