Best Travel Insurance Tanzania: Costs And Advice

Are you planning a trip to Tanzania? With its stunning natural beauty, rich cultural heritage, and exciting wildlife, it’s an adventure of a lifetime. However, traveling in Tanzania can be challenging due to its high risk of accidents and illnesses. That’s why having the right travel insurance is crucial.

In this article, we’ll explore the world of travel insurance for Tanzania, covering the best policies, key features, and factors to consider when selecting the perfect policy for your needs. We’ll also delve into the historical context of travel insurance in Tanzania and provide insights on why it’s highly recommended.

Is Travel Insurance in Tanzania Mandatory?

Travel insurance is not mandatory in Tanzania, but it’s highly recommended. The country has a high risk of accidents and illnesses, especially in the capital city Dar Es Salaam and popular tourist areas like Zanzibar. While there are some government-subsidized health services available, they may not meet your needs in case of an emergency.

Why Get Travel Insurance: Risks and Hazards

Traveling in Tanzania poses significant health risks due to poor infrastructure, low-quality healthcare, and limited access to medical supplies. The risk of contracting diseases such as malaria, typhoid, cholera, hepatitis A, B, and C is high. Before traveling, make sure you’re up-to-date on vaccinations for common illnesses like measles, diphtheria, tetanus, and pertussis.

When choosing travel insurance, consider the following factors:

• Medical coverage (including emergency evacuation)
• Baggage protection
• Trip cancellations or interruptions
• Travel assistance (24/7 support and translation services)

Choosing the Right Travel Insurance for Tanzania

When selecting travel insurance, consider working with a reputable agency specializing in travel insurance. They can help you find the best policy at an affordable price.

Before making a decision, evaluate the following factors:

• Maximum coverage (medical expenses, baggage damage, etc.)
• Franchise (deductible)
• Assistance services (24/7 support and translation services)

The Best Travel Insurances for Tanzania

Here are some of the top travel insurances for Tanzania:

1. Heymondo

Heymondo is a recent player in the travel insurance market, offering competitive policies that cover all risks at affordable prices.

Their staff are professional and well-prepared, providing 24/7 medical assistance and a call center that’s always active (365 days a year).

They offer two solutions: a temporary one for single trips up to 45 days or a multi-trip policy that covers all your travels within 365 days, including expenses, return trips, baggage, and more.

Their policies include:

• Tranquility, which guarantees medical expenses up to €2 million and early return.
• Top, which also includes coverage for lost or damaged luggage.
• Premium is the most comprehensive policy, covering everything from trip cancellations to lost luggage and more.

Get a 10% discount on your policy by visiting their site and calculating a free quote.

2. Allianz Global Assistance Travel Care

Allianz Global Assistance is a world leader in insurance, offering some of the best travel insurances abroad.

Their policies include:

• Travel Care, which offers medical assistance 24/7 and direct payment for medical expenses.
• Travel Care Annual, an annual multi-trip policy ideal for frequent travelers.
• Travel Business, designed specifically for business trips.
• Travel Student, a two-part solution for students under 30 traveling abroad: Single Trip (up to 180 days) and Multi Trip (multiple trips within a year).

3. Frontier Assurances Viaggio

Frontier is an Italian insurance company specializing in travel insurance.

Their personalized policies cover everything from weddings to group tours, business trips, and more. They offer:

• Basic coverage, which includes assistance, medical phone support, medical expenses, baggage protection, and car assistance.
• Smart coverage, which adds damage to luggage during the trip.
• Top coverage, which also includes reimbursement for flight delays, cancellations, and interruptions.

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4. Columbus Assurances

Columbus is a well-established insurance company offering some of the best travel insurances in Tanzania at unbeatable prices (starting from €9.00).

Their policies include:

• Comprehensive coverage of medical expenses up to €2 million.
• 24/7 assistance and direct payment for medical expenses.
• Return trip reimbursement, lost or damaged luggage protection, and more.

5. Coverwise

Coverwise is a specialized insurance company offering some of the best online travel insurances abroad.

They offer four policy options:

• All-inclusive coverage (covering medical expenses, medical assistance 24/7, infortunies during the trip, baggage, road assistance, assistance for family members and home, and more).
• Medical coverage alone.
• Medical and baggage coverage together.
• Annullment coverage.

Price Comparison

Here’s a comparison chart of prices for travel insurance policies:

Factors to Consider

When selecting a travel insurance policy, consider the following factors:

• Maximum coverage: Ensure that your policy covers medical expenses up to €2 million.
• Franchise (deductible): Look for policies with low deductibles or no deductible at all.
• Assistance services: Choose a policy with 24/7 support and translation services.
• Policy duration: Consider the length of time you’ll be traveling abroad and choose a policy that covers your entire trip.

Conclusion

Travel insurance for Tanzania is a must-have, especially if you’re planning to explore the country’s stunning natural beauty, rich cultural heritage, and exciting wildlife. With so many options available, it can be overwhelming to choose the right policy.

By considering the key factors mentioned above, working with a reputable agency specializing in travel insurance, and choosing a policy that covers all your needs, you’ll be well-prepared for any unexpected events during your trip.

Frequently Asked Questions

1. Q: Is travel insurance mandatory in Tanzania?
   A: No, but it’s highly recommended due to the high risk of accidents and illnesses.
2. Q: What are the main risks associated with traveling in Tanzania?
   A: The risk of contracting diseases such as malaria, typhoid, cholera, hepatitis A, B, and C is high, as well as poor infrastructure, low-quality healthcare, and limited access to medical supplies.
3. Q: What factors should I consider when selecting travel insurance for Tanzania?
   A: Maximum coverage, franchise (deductible), assistance services (24/7 support and translation services), and more.
4. Q: Which is the most comprehensive policy available for Tanzania?
   A: Heymondo’s Premium policy covers everything from trip cancellations to lost luggage and more.
5. Q: Can I get a discount on my travel insurance policy?
   A: Yes, many insurance providers offer discounts for booking online or purchasing policies in advance.
6. Q: How do I know if my travel insurance policy is suitable for me?
   A: Evaluate the factors mentioned above and consult with a reputable agency specializing in travel insurance.
7. Q: Can I purchase travel insurance online or at a physical location?
   A: Both options are available, depending on the provider and your personal preferences.
8. Q: What if my trip is cancelled or interrupted due to unforeseen circumstances?
   A: Your policy should cover trip cancellations or interruptions, but make sure you understand the terms and conditions of your policy.

By following this guide, you’ll be well-prepared for any unexpected events during your trip to Tanzania.