Travel insurance for Zambia

Comprehensive medical insurance is essential for holidays to Zambia. It should include cover for emergency evacuation and private hospitalisation within Zambia, transfers for specialist treatment in neighbouring countries and, ultimately, repatriation. Make sure you’re covered for safari activities and close wildlife encounters, and any other adventure activities you plan on doing. Walking and canoeing safaris usually require special cover. Bungee jumping and white water rafting almost certainly will.

Before you travel, check with your insurance provider on how their claims process works. They may pay medical costs upfront or expect you to pay the initial costs and seek reimbursement later. Familiarise yourself with the exact documents they require from hospitals and emergency services and, if you’re expected to pay initial costs, then carry a credit card with sufficient funds.

Many lodges and safari operators include emergency evacuation insurance in their rates. If they don’t or you’re not completely satisfied with your level of cover, you can purchase additional emergency evacuation insurance from Speciality Emergency Services (SES), Zambia’s main country-wide emergency medical support service. ses-zambia.com


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Healthcare system Zambia

Zambia’s public healthcare system is very basic by first-world standards and suffers from inadequate funding and a lack of infrastructure and facilities, especially in rural areas. There are good private hospitals in Livingstone and Lusaka and if you have any kind of medical emergency you’ll be transferred there as soon as possible. For very serious or on-going treatment, patients may require evacuation to South Africa which has the best medical facilities in the region. Treatment…

Medical emergencies in Zambia

Many safari operators include emergency medical insurance in their rates, but this may only cover the immediate situation and exclude further treatment and/or repatriation. In any event, it’s essential to be fully insured, especially if you’re headed into Zambia’s more remote regions. Every travel insurance policy is different so make sure you know how yours operates. Some policies will expect you to pay up front and seek reimbursement later, others have ties with Zambia’s…

Is Zambia safe?

Zambian people are friendly and accommodating On the whole, Zambia is a safe country and locals are generally very welcoming and friendly towards visitors. That said, it’s still very poor and there’s a moderate risk of pick-pocketing and opportunistic theft in busy urban areas. With a few simple precautions and some local knowledge, you can minimise the risks to almost zero. Violent crime is extremely unlikely and if you’re on an all-inclusive safari, staying in lodges and…


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