Despite plans being flawless and preparations made to the hilt, circumstances still can crop up out of nowhere. Many unpredictable things can happen when you are on safari. You can expect these ‘unpredictable things’ to force you to call off your vacation to return home, or to deal with the emergency immediately while on holiday.
Can anything be done to prepare for these instances? Yes! Purchasing Travel Insurance will ensure that most, if not all the costs for these unforeseen circumstances will be covered. Travel Insurance is purchasable prior to making any significant steps towards your planned African safari. It will definitely serve as a safety net for you and the people you will be traveling with. Getting an insurance cover is important when traveling to Africa; in fact it is a requirement for your own good.
Before you start searching for a company which can assist you with Africa travel insurance, there are things that you should keep in mind. You should ask the following
– What kind of insurance do you need?
– Do you travel around the world frequently?
– Are you planning to make trips to other locations besides Africa?
If you answered yes to most of the question, try considering an International Travel Insurance Plan. As the name implies, this insurance plan would ensure that you are given sufficient “International Coverage” wherever you go. The policies set in these plans should cover you well when you travel to Africa.
Here is another thing to keep in mind. Say that a situation arises during your stay in Africa, and as a result, you or someone with you needs emergency medical treatment. After the medical treatment, you have to shoulder the bill for the meantime. In this light, try to check the insurance policy that you are interested in, and make sure that your insurance plan covers reimbursement for medical expenses.
You should also make it a point to look over the said policy to see if it covers one of the many activities you may participate in when you get to Africa. Does your Insurance Policy cover any injuries you might get when you take part on a wild and unpredictable safari?
Would the company cover you when something happens during white water rafting, bungee jumping, quad biking, dune boarding, or camel riding? The policy should be able to answer your questions in detail. Take note that there are certain programs and activities in Africa that you may not be able to take part in if you do not have travel insurance in the first place.
Be prepared to shell out a few extra bucks for premium payments for addendum to your policy to cover those unique activities that you plan to do in Africa. A few extra costs and effort is quite inconvenient, but you will see how vital they can get if something ever happens.
Keep in mind that the insurance company should provide you with a comprehensive policy. You will need this document in case there are problems on your repatriation when returning to your home country. A comprehensive policy should contain specific details surrounding unexpected circumstance: medical expense coverage, treatment services, and trip interruption, to name a few. These details will help in determining the extent of coverage of your travel.
The Insurance policy document is apparently as important as your passport in many cases. Before leaving for Africa, make sure to leave it at home and/or with somebody that the company can contact in case of emergency. While traveling or in certain situations, have a copy of the Travel Insurance Policy for the crew you are with, state clearly who to call when emergency happens.
Checking the coverage limits of your travel insurance is very important to find out how you are covered in case something happens. One other factor that you should not overlook in the same policy would be the rules regarding reimbursement in case something happens. Getting money back means more to spend on other vacations in the future.
Whenever you plan on an African Safari for business or pleasure, do not forget to consider purchasing travel insurance. It isn’t just for you, it is also for what you have with you. It’s bound to give you the peace of mind that each and every traveler deserves.