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Travel Insurance for a Safari or Trek in East Africa

Practical Information · By the Bush Camp Tours safari team, Nairobi · Updated 2 October 2026

Lioness with cubs on the savannah

We ask every traveller to have their own travel insurance. We do not sell insurance or recommend a particular company, but we do know what matters on safari. The most important item is emergency medical evacuation cover, because many parks are hours from a major hospital. If you are trekking, check the altitude limit carefully.

Medical evacuation: the cover that matters most

On safari or a mountain, the nearest well-equipped hospital may be a flight away. Look for a policy that includes emergency evacuation by air and medical treatment, with high enough limits for East Africa. Check whether the insurer works with an air ambulance service in the region and how you contact them in an emergency.

Trekking and altitude

If your trip includes Kilimanjaro (5,895m) or Mount Kenya (Point Lenana, 4,985m), confirm in writing that your policy covers trekking to that altitude. Many standard policies stop at a lower height, or exclude "mountaineering" without clearly defining it. Gorilla trekking in Uganda is usually treated as hiking, but check.

See our Kilimanjaro guide and Mount Kenya guide for more on these treks.

Other activities

If you plan hot-air ballooning, white-water rafting at Jinja, scuba diving in Zanzibar or horse riding, check that each is covered. Diving often has its own depth limits.

Cancellation and curtailment

Safari deposits and permits (such as gorilla permits) can be costly and non-refundable. Cancellation cover protects you if illness or other covered events stop you travelling. Some benefits only apply if you buy the policy soon after paying your deposit.

Other things to check

  • Lost, delayed or stolen luggage and camera equipment
  • Pre-existing medical conditions - disclose them honestly
  • Cover for every country on your route
  • The excess (deductible) you would pay on a claim

Carry the details with you

Keep your policy number and the insurer's emergency phone number on your phone and on paper, and share them with us before you travel so your guide has them if needed.

The bottom line

Buy insurance when you pay your deposit, make sure it includes medical evacuation, confirm altitude and activity cover for anything adventurous, and keep the emergency number to hand.

Quick Answers

Is travel insurance compulsory?

Yes - we ask every traveller to have their own travel insurance in place before the trip.

Do you sell insurance?

No. We recommend comparing policies from providers that cover East Africa and your planned activities.

Does insurance cover Kilimanjaro?

Only if your policy covers trekking to 6,000m. Check the altitude limit before you buy.

Insurance in Place?

Then send us your dates and we will start planning the trip itself.

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