Travel Insurance for Africa

Whether you're marveling at the ancient wonders of Egypt, going on a thrilling safari in Kenya, or unwinding on the picture-perfect beaches of Mauritius, Africa is sure to captivate you. This continent is known worldwide for its stunning landscapes, diverse cultures, and wild adventures.

As you plan your journey to the Mother Continent, it's important to consider travel insurance. Africa's varied terrain and climates can present unexpected challenges, from medical emergencies to travel disruptions. This guide will help you navigate the ins and outs of travel insurance for Africa so you can explore with confidence!
 

Discover our travel insurance for Africa.

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1. What should your Travel insurance cover for a trip to Africa? 
2. How Does Travel Insurance for Africa Work?
3. Do I need Travel Insurance for Africa? 
4. How Much Does Travel Insurance Cost for Africa?
5. Our Suggested AXA Travel Protection Plan
6. What types of medical coverage does AXA Travel Protection plans offer?
7. Are There Any COVID-19 Restrictions for Travelers to Africa?
8. Traveling with pre-existing Medical Conditions? 
9. FAQ
    

What should your travel insurance cover for a trip to Africa?

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.
AXA Travel Protection plans are designed with these minimum recommended coverages in mind.
 

• Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.  
   
• Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events. 
   
• Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation. 
   
• Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage. 
   
• Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 
   

In just a few seconds, you can get a free quote and purchase the best travel insurance for Africa.

How Does Travel Insurance for Africa Work?

Imagine you're on a once-in-a-lifetime safari adventure in the heart of Africa. As you explore the vast savannahs of Kenya, you suddenly fall ill with food poisoning. With travel insurance, medical coverage is at your disposal. From arranging prompt medical assistance to covering the costs of necessary treatments, AXA prioritizes your health so you can continue enjoying your African journey..

When the situation gets worse, AXA stands ready to assist you in devising a strategic course of action. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.
   

Do I Need Travel Insurance for Africa?

Travel insurance is not a formal requirement for visiting Africa, but it is highly recommended. Africa's diverse landscapes, wildlife safaris, and adventurous activities present several potential risks. Here are several reasons why we strongly recommend travel insurance for African vacations:
 

1. Emergency Medical Expenses: From exploring rugged landscapes to engaging in wildlife safaris, there's a potential for accidents or illnesses in Africa. Access to coverage for medical expenses, including hospital stays and doctor's fees, allows travelers to seek timely medical attention without worrying about expensive medical costs.
    

2. Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.
    

3. Emergency Evacuation & Repatriation: In the event of a serious medical emergency in remote areas of Africa where advanced medical facilities may be limited, having provisions for emergency evacuation to the nearest appropriate medical facility is crucial. This benefit allows travelers to swiftly receive the necessary medical care or be repatriated to their home country if needed.
    

How Much Does Travel Insurance Cost for Africa?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:
 

Total Trip cost: The total amount of non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.

Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.

With AXA Travel Protection, travelers to the United Kingdom will be offered three tiers of insurance: Silver, Gold and Platinum. Each provide varying levels of coverage to cater to individual's preferences and travel needs.

Our Suggested AXA Travel Protection Plan

AXA presents travelers with three travel plans – the Silver Plan, Gold Plan, and Platinum Plan, each offering different levels of coverage to suit individual needs. Given that Africa hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.
 

The Platinum Plan is your go-to choice if you're looking for extra coverage for Africa’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Africa's stunning landscapes in a rental car.
 

What types of medical coverage does AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency medical

• Emergency evacuation & repatriation

• Non-medical emergency evacuation & repatriation
   

Emergency medical: Can cover unforeseen events such as fractures, burns, sudden illnesses, and allergic reactions.

Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation: Offers assistance for evacuating from a destination promptly in non-medical circumstances, such as natural disasters or civil unrest.
 

Are There Any COVID-19 Restrictions for Travelers to Africa?

Travelers arriving in South Africa are no longer mandated to present vaccination certificates or recent negative PCR test results.
 

Traveling with preexisting Medical Conditions

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.


Our Gold Plan, and Platinum Plans offer coverage for preexisting medical conditions.
The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,
 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a preexisting medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60 day look back period. We're here to make sure you travel with ease, no matter your health situation.
 

FAQ
 

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.
 

2.When should I buy Travel Insurance to Africa?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.)

AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.

Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.
 

3.Do Americans need travel insurance in Africa?

While travel insurance is not a requirement for Americans visiting Africa, it is highly recommended. Africa presents unique challenges and risks, including medical emergencies, trip cancellations or interruptions, loss of belongings, and unexpected events such as political unrest or natural disasters. Travel insurance may offer reassurance in such situations.
 

4.What is needed to visit Africa from the USA?

Some countries in South Africa allow US citizens to enter without a visa, while others mandate a valid visa and passport. For visa-free countries, travelers can typically stay for up to 90 days. US citizens should ensure that their passport remains valid for at least six months after their planned departure date.
 

5.What happens if a tourist gets sick in Africa?

If you become sick in Africa, travelers with AXA Travel Protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.
 

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved.