Tanzania Travel Insurance

Tanzania Travel Insurance: What You Need to Know

When planning a trip to Tanzania, particularly for a safari or adventure activities like climbing Mount Kilimanjaro, having comprehensive travel insurance is essential. Travel insurance provides coverage for unexpected situations such as medical emergencies, trip cancellations, lost luggage, and evacuation. Here’s a detailed guide to help you understand what to look for in a travel insurance policy for Tanzania.

Why You Need Travel Insurance for Tanzania

Traveling to Tanzania involves unique experiences, such as safaris, trekking, and sometimes visiting remote areas. These activities come with certain risks, making travel insurance a critical part of your planning.

Key Reasons for Travel Insurance in Tanzania:

Medical Emergencies: Access to advanced medical facilities can be limited, especially in rural or remote areas. Having travel insurance ensures you can access medical care and emergency evacuation if needed.
Evacuation Coverage: If you’re trekking in remote areas (such as Mount Kilimanjaro) or deep in national parks, you may need medical evacuation to a major city or even back to your home country.
Trip Cancellations and Delays: Safaris, flights, and tours can be expensive, and unexpected cancellations or delays can result in lost deposits or additional expenses.
Baggage Loss or Damage: With multiple flights, long transfers, and remote lodges, there’s a risk of lost or delayed baggage. Travel insurance can help cover the cost of lost or delayed items.
Adventure Activities: If you’re engaging in activities like hiking Kilimanjaro, scuba diving in Zanzibar, or other high-risk activities, you’ll need insurance that specifically covers these experiences.

Types of Coverage to Look for in Travel Insurance for Tanzania

When selecting a travel insurance policy for Tanzania, make sure it includes coverage for the following:

1. Medical Coverage

Emergency Medical Coverage: This is essential in case of illness or injury. Coverage should be substantial enough to cover the costs of hospitalization and treatment in both local clinics and international hospitals.
Medical Evacuation and Repatriation: Since Tanzania has remote areas, evacuation may be necessary. Look for coverage that includes evacuation to the nearest adequate medical facility or even repatriation to your home country if required.

2. Adventure Activity Coverage

Safari Coverage: Ensure your insurance covers safari activities, such as game drives, walking safaris, or boat safaris in places like Selous or Lake Manyara.
Trekking Coverage: If you plan to climb Mount Kilimanjaro, make sure your policy covers high-altitude trekking. Standard travel insurance often does not cover trekking above 2,500 meters, so check that your policy includes coverage up to 6,000 meters.
Water Activities: If you plan to go snorkeling, diving, or kite surfing in Zanzibar, your insurance should cover these water sports.

3. Trip Cancellation and Interruption

Cancellation Coverage: Look for insurance that covers non-refundable expenses in case of trip cancellations due to illness, injury, or other covered reasons.
Trip Interruption: This coverage helps if your trip is interrupted due to unforeseen circumstances, such as a family emergency or natural disaster, and you need to return home early.

4. Baggage and Personal Belongings

Lost or Stolen Baggage: In case your luggage is lost, stolen, or delayed, your insurance should cover the cost of replacements for essential items.
Delayed Baggage: If your baggage is delayed for more than a certain period (usually 12 hours or more), your policy should cover the cost of essential clothing and toiletries until your luggage arrives.

5. Emergency Evacuation

Non-Medical Evacuation: In addition to medical evacuation, some policies also include evacuation in case of natural disasters, political unrest, or other crises that may arise during your trip.

What is Typically Not Covered

It’s important to know what isn’t usually covered by standard travel insurance policies, so you can avoid unexpected issues:

Pre-existing Medical Conditions: Most policies do not cover pre-existing conditions unless you specifically purchase an add-on for that.
Risky Activities: Unless you opt for adventure insurance, activities like bungee jumping, paragliding, or skydiving are often excluded.
Acts of War or Terrorism: Some policies exclude claims related to war or terrorism, so it’s important to check if this is relevant for your trip.
Alcohol or Drug-related Incidents: Injuries or incidents that occur while under the influence of alcohol or drugs may not be covered.

How Much Does Travel Insurance for Tanzania Cost?

The cost of travel insurance for Tanzania depends on several factors, including your age, the length of your trip, and the level of coverage you choose. On average, travel insurance can cost between 4% to 10% of your total trip cost. Adventure or high-risk activity coverage (like Kilimanjaro climbing) may increase the cost.

Example Price Ranges:

Standard Travel Insurance: $50 – $150 per person for a one-week trip, covering medical emergencies, trip cancellations, and baggage.
Adventure Travel Insurance (including high-altitude trekking and safari): $150 – $300 per person for a one-week trip.

Top Travel Insurance Providers for Tanzania

Here are some reputable travel insurance providers that offer good coverage for Tanzania, including safaris and adventure activities:

Provider	Key Features
World Nomads	Covers safari, trekking up to 6,000 meters (Kilimanjaro), and adventure activities.
Allianz Global Assistance	Comprehensive medical and trip cancellation coverage, optional adventure sports add-ons.
Travel Guard (AIG)	Offers customizable plans for safari and adventure travel, and good medical evacuation coverage.
InsureMyTrip	Allows you to compare different providers and choose the best plan for your needs.
Travelex Insurance Services	Includes high-end medical coverage and options for adventure sports add-ons.

Tips for Choosing the Right Travel Insurance for Tanzania

Check Coverage Limits: Make sure the medical coverage is high enough to cover emergency treatment and evacuation. Policies with at least $100,000 in emergency medical coverage and $200,000+ for medical evacuation are recommended.
Consider Your Activities: If you’re going on a safari, trekking Kilimanjaro, or diving in Zanzibar, choose a policy that specifically includes these activities.
Compare Providers: Use comparison sites like InsureMyTrip or SquareMouth to find policies that fit your travel needs and budget.
Read the Fine Print: Pay attention to exclusions, especially those related to high-risk activities or pre-existing conditions. Ensure your chosen activities are covered.
Get Evacuation Coverage: Ensure your policy includes evacuation to your home country or a nearby medical facility in case of emergencies.

Travel insurance is a vital part of preparing for your Tanzania safari or Kilimanjaro climb. Whether you’re trekking to the summit of Mount Kilimanjaro, exploring the Serengeti on a game drive, or relaxing in Zanzibar, having the right insurance provides peace of mind in case of unforeseen events. Be sure to choose a policy that fits your travel plans, adventure activities, and medical needs to fully enjoy your Tanzania experience without worry.

If you need help selecting travel insurance or have more questions about your safari plans, feel free to reach out! Safe travels!

Top Tanzania Safari Destinations

Tanzania is home to some of Africa's most iconic and diverse safari destinations, offering an unparalleled wildlife experience. From the vast plains of the Serengeti to the unique ecosystem of Ngorongoro Crater, each destination offers something special for every traveler. Whether you're tracking the Great Migration, spotting the Big Five, or exploring off-the-beaten-path reserves, Tanzania's national parks and game reserves provide an adventure like no other.

Here are the top safari destinations that should be on every traveler's list:

Southern Tanzania
western Tanzania
Northern Tanzania
Eastern Tanzania

Southern Tanzania

Nyerere National Park

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Northern Tanzania

Mount Kilimanjaro National Park

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western Tanzania

Mahale Mountains National Park

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western Tanzania

Saadani National Park

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western Tanzania

Katavi National Park

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western Tanzania

Gombe National Park

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Eastern Tanzania

Mikumi National Park

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Northern Tanzania

Arusha National Park

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This is What Travelers Are Saying About Us

    
 
 
       Posted on Tripadvisor  
   
   haruna h 
 
 
 
 Verified Incredible Safari Experience with Emanuel – Highly Recommended! My name is Harry, and I had an amazing safari experience organized by Emanuel from Lion View Tour. Emanuel was an excellent safari guide and driver—professional, friendly, and very knowledgeable. I truly enjoyed every moment and was lucky enough to see the Big Five! I arrived at Arusha Airport, where I was picked up right on time. We started with a city tour of Arusha and enjoyed some very delicious soup. Later, I stayed overnight at a beautiful lodge near Emanuel’s home. It was very clean, had a comfortable bed, and I felt completely safe. The next morning, we drove to Tarangire National Park for a full-day game drive, which was fantastic. Afterward, we continued to Karatu for an overnight stay, which was also very pleasant. The following day, we visited the Ngorongoro Crater—an absolutely breathtaking place with incredible wildlife. We spent the full day exploring and spotting animals. Next, we traveled to Lake Eyasi, where we stayed overnight and experienced something truly unique—the Hadzabe tribe. We met the bushmen, went hunting with them, and even caught two birds! We also tasted fresh honey straight from a beehive. It was an unforgettable experience watching them harvest honey without getting stung—truly fascinating and fun! On the same day, we drove back to Arusha Airport on time, and I caught my flight to Zanzibar without any issues. Thank you very much, Emanuel, for such a wonderful and well-organized safari. I highly recommend him to anyone looking for an authentic and memorable experience. Best regards, Harry
  
 
      Posted on Tripadvisor  
   
   Bert P 
 
 
 
 Verified Eine unglaublich großartige Safari! Unsere Safaritour mit Fahrer und Tourguide Emanuel von Lion View Tours hat unsere Erwartungen weit übertroffen. Wir können nur staunen, wie perfekt er über alle Tiere und Pflanzen Bescheid weiß. Und das alles in ganz prima deutscher Sprache! Er hat die ganze Tour (Kilimandscharo, Tarangire NP, Materunisee, Ngorongoro, Serengeti, Eyasi-See, Arusha) so perfekt geplant und organisiert! Auch die von ihm ausgewählten Lodges waren super. Seine kleinen Seitentrips u.a. zu den Assai, Datoga oder Hadze (Bergwanderung mit Jagd) waren sehr spannend. Und sein Unternehmen Lion View Tours macht dem Namen alle Ehre: Natürlich jede Menge Löwen gesehen, ebenso alle anderen großen und kleinen Tiere. Emanuel: immer gute Stimmung, erzählt sehr viel zu Land und Leuten, wir haben enorm viel über Tansania gelernt. Also: Wenn Tansania, was uns mit allem drum und dran sehr gefallen hat, dann mit Emanuel Marite!
  
 
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   Sabine S 
 
 
 
 Verified Der schönste Afrikaurlaub mit Emanuel Wir hatten den schönsten aller Afrikaurlaube mit dem besten Guide den wir je hatten. Er hat ein unglaubliches Wissen über alle Schätze Afrikas. Er konnte uns alles zeigen was wir schon immer sehen wollten und noch viel mehr. Er hat ein großes Herz, weiß für alles eine Lösung -er is der Beste.
  
 
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   Alex 
 
 
 
 Verified Ein Traum von Afrika Eine Reise die ich nie vergessen werde! Emanuel unser Guide hat ein wahnsinnig gutes Fachwissen von den Tieren und der Natur. Wir hatten sehr viel Spaß. Ich werde wieder kommen!
  
 
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   Michael 
 
 
 
 Verified Einmal Lion View immer Lion View Mit Lion View hatten wir die schönste Safari überhaupt. Wir sind seit vielen Jahren leidenschaftliche Tansania Urlauber und durch einen Freund aus Tansania auf Lion View aufmerksam geworden. Emanuel und Msiagi haben uns die wirklich schönsten Flecken Erde in Tansania gezeigt ohne Zeitdruck immer freundlich zuvorkommend absolut professionell und das zu einem vernünftigen Preis. Wir können jedem nur empfehlen der überlegt eine Reise in dieses wunderschöne Land zu unternehmen sich vorher an Lion View zu wenden und sich professionell beraten zu lassen! Emanuel und Msiagi Asante sana nakutakia maisha marefu Kristin und Michael
  
 
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   Ozlem 
 
 
 
 Verified Great Safari Tour!!! We booked Emanuel because of a common friend In Switzerland who recommended us to do the safari tour with him. We can only confirm it that it was a good decision to do it so! He has a great personality who gives his best to make all his guests happy! He showed us around and explained us always about the country. We were two girls travelling alone and we always felt save during the trip! You should definitely do the tour with him! his german is quite good and also he speaks fluently english. After the trip, friends got jealous and want to book as well with Emanuel:) so highly recommended! Asante sana, Özlem, Ninorta
  
 
      Posted on Tripadvisor  
   
   Lena 
 
 
 
 Verified Best trip & best tour guide Im August diesen Jahres haben wir eine unvergessliche Reise in die Nationalparks von Tansania erleben dürfen. Mein Freund und ich haben 3 Tage lang die wunderschöne Landschaft und die Tierwelt Tansanias bestaunt. Im Nachhinein betrachtet sind wir traurig, dass wir nur 3 Tage gebucht haben, da es uns so sehr gefallen hat. Vor allem hatten wir riesen Glück mit unserem perfekt deutschsprechenden Tourguide Emanuel. Unabhängig von der sprachlichen "Barriere", die er sich eingenständig durch Youtube Videos beigebracht hat, war er ein unfassbar herzlicher Mensch, der immer unsere Bedürfnisse in den Vordergrund gestellt hat. Durch sein Know-How und die Art und Weise wie er die Safari gestaltet hat, können wir Lion View Tours nur jedem weiterempfehlen und falls wir wieder kommen sollten, dann nur noch mit Emanuel :) Vielen Dank für die einzigartigen und schönen Erinnerungen!
  
 
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   Domi SF 
 
 
 
 Verified Trip to Paradise Wir haben diesen Sommer eine 3 tägige Safari durch verschiedene Parks in Tansania gemacht. Unser Guide Emanuel konnte perfekt deutsch und hat einem jeden Wunsch erfüllt. Er war sehr bemüht uns alle Tiere zu zeigen oder sie via Funk mit seinen Kollegen ausfindig zu machen. Er hielt sich an alle Vorschriften und man hatte keine Angst in schlechten Händen zu sein. Wir sind oft aus eigenem Interesse schon relativ früh zu den Parks gefahren, da dort die Chancen die Tiere in Aktion zu sehen sehr hoch sind. Alles in allem können wir uns nur nochmal bei Emanuel nur für die wunderschöne Zeit bedanken und ich hoffe das er mit seinem Lionsviewtours richtig durchstarten kann !
  
 
      Posted on Tripadvisor  
   
   Tatjana M 
 
 
 
 Verified Amazing Country & Tour Guide Emanuel is such a good person and the best guide in Tansania. We had an amazing Safari with him. He showed us so many things, plants and animals. Furthermore, we were singing and happily driving around - these were just unforgettable moments and will be memories forever! Emanuel showed us the great spirit of Tansania! We strongly recommand. Emanuel ist ein toller Mensch und der beste Führer in Tansania. Wir hatten eine super Safari mit ihm. Er hat uns so viele Dinge, Pflanzen und Tiere gezeigt. Außerdem haben wir gesungen und sind fröhlich herumgefahren - das waren einfach unvergessliche Momente und werden für immer in Erinnerung bleiben! Emanuel hat uns den schönen Spirit von Tansania gezeigt! Wir empfehlen ihn wärmstens weiter.
  
 
      Posted on Tripadvisor  
   
   Linda 
 
 
 
 Verified Safari 2019 Jambo!! Meine Kollegin und ich hatten vor 3 Jahren das Glück Emanuel als unseren persönlichen Tourguide zu haben. Es war eine Bereicherung durch und durch. Er zeigte uns die wunderschöne Tierwelt Tanzanias mit viel Insider-Wissen und erstaunlicher Beobachtungsgabe! Es wurde viel gelacht und gesungen. Wir waren super betreut und nebst der Natur, waren die Unterhaltungen und die Herzlichkeit von Emanuel ein riesen Highlight unserer Reise. Danke Emanuel für diese unvergässliche Erlebnisse! Hakuna Matata!
  
 
  
  
 
 
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Tanzania Travel Insurance