Do I need travel insurance?

Travel insurance is not just recommended for Africa—it's essential. Here's why and what to look for.

Why You Need It

Africa-Specific Risks: - Remote locations require expensive medical evacuation - Healthcare quality varies significantly - Adventure activities need specific coverage - Trip cancellations can be costly - Wildlife encounters (while rare) may require emergency care

Essential Coverage

Must-Have: - Medical emergency coverage (minimum $100,000) - Medical evacuation ($50,000+) - Repatriation coverage - Trip cancellation/interruption - Baggage loss/delay

Good to Have: - Adventure sports coverage - Cancel for any reason (CFAR) - Travel delay coverage - Political evacuation - Rental car coverage

Medical Evacuation

• Critical for Africa travel:
• Evacuations from remote areas are extremely expensive
• Can cost $50,000-$100,000+ without insurance
• Ensure coverage includes helicopter evacuation
• Verify coverage in all countries you're visiting

Activity Coverage

• Check your policy covers:
• Safari and game drives
• Gorilla trekking
• Hot air balloon rides
• Scuba diving
• White water rafting
• Mountain climbing (if applicable)

What to Check

• Before purchasing:
• Coverage limits for medical and evacuation
• Covered activities and exclusions
• Pre-existing condition coverage
• 24/7 emergency assistance
• Direct payment to hospitals
• Claim process and requirements

Recommended Providers

• Popular options for adventure travel:
• World Nomads
• IMG Global
• Allianz Travel
• Travel Guard
• SafetyWing

Keep Records

• Policy number and emergency contact
• Copy of insurance card
• Know how to file a claim
• Keep receipts for any expenses
• Document any incidents

GoTwende's Recommendation

We strongly recommend comprehensive travel insurance for all travelers. Some of our activity providers require proof of insurance covering specific activities.