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Starting off a safari exploration is a dream for so many travelers, because it offers all kinds of encounters with very beautiful wildlife in their environment. However, amidst the thrill of planning such an adventure, one very important thing to do that is also overlooked is the part of getting a safari travel insurance. In this guide, we will be discussing the importance of securing a travel insurance that will secure your entire safari exploration. From protection against unexpected medical emergencies to making sure you have a peace of mind financially Incase of trip cancellation, a nice safari travel insurance is a great companion for any safari explorer.
Safaris present a singular chance to get up close and personal with wild animals in their natural habitat. There’s nothing like the excitement of witnessing lions, elephants, rhinos, or other majestic creatures up close, where a surprise sighting could happen at any time.
For many years, adventurous travelers have delighted in safaris; however, these days, children and couples seeking a fun and safe outing into the wilderness have been the target audience. It is obvious that there is risk involved in coming into contact with potentially harmful or unpredictable animals, even when they are protected by specially designed cars and knowledgeable tour guides on hand to guarantee your safety. Fortunately, accidents or fatalities while on safari are extremely uncommon; but, every traveler should take reasonable steps to defend against these and other catastrophes. The first step is to make sure you have the appropriate kind of travel insurance.
Is a Safari Travel Insurance Plan Necessary?
A safari excursion may be a costly venture. According to data from Squaremouth.com, the most popular safari destinations—Kenya, South Africa, Tanzania, and Uganda—are also among the most costly, with average trip expenditures ranging from $7,500 to over $17,000. According to Squaremouth research, most tourists plan their safari vacation over a period of seven months.
Purchasing safari trip insurance is a wise move, given the significant time and financial commitment involved. In the event of an emergency overseas, you might have to pay for medical care out of pocket or risk losing your money if you had to cancel without a coverage.
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Benefits of the Popular Safari Policy
Not every insurance package for safari trip will safeguard your financial investment. Certain policies provided by tour operators and travel agencies might not supply all the advantages you require. It’s crucial to shop around for travel insurance policies before departing for a foreign country to ensure you get the best deal possible. The following are the top travel insurance advantages for safaris in Africa:
Cancellation of Trip
Travel Interrupted
In an emergency Medical Evacuation Services
Travel Postponement and Missed Link Baggage Insurance
Travel Insurance for Safari Coverage for Trip Cancellations
Before you even get in the plane and fly over the plains of Africa, trouble might start. Trip Cancellation benefits might reimburse you for any unused trip expenses in the event of an emergency that arises before to departure.
Trip Cancellation benefits, which cover events at home like being hurt in an accident, a natural disaster severely destroying your house, or the unexpected illness or death of a loved one, are a feature of the finest safari travel insurance plans. All non-refundable travel expenses, such as original trip deposits, pre-paid tours, and hotel stays, may be covered by trip cancellation policies.
Certain life circumstances might not be covered by travel insurance, even if trip cancellation is the most frequent type of claim. Trip Cancellation does not cover, for instance, concerns about an unforeseen expense ruining your trip, a pet getting sick, or your worry of contracting COVID-19 while on tour.
Consider including Cancel For Any Reason in your safari travel insurance if you aren’t sure you’ll go. With the greatest amount of flexibility available, Cancel For Any Reason allows you to potentially recoup 50% to 75% of your non-refundable travel expenses.
Travel Insurance for Safari Coverage for Trip Interruptions
The same covered causes as for trip cancellation are provided by trip interruption benefits on safari travel insurance policies; however, the benefit is applicable during the trip rather than prior to it.
First, in the event that you have to return home early for a covered reason, vacation Interruption benefits may pay non-refundable expenses related to the unused portion of your vacation. Safari travel insurance can assist you in recovering a portion of your money if you are required to forfeit deposits or other expenses that you have already paid for your trip.
Secondly, the benefits of Trip Interruption may cover the cost of an urgent return trip home. Benefits for Trip Interruption may pay up to 200% of the insured travel expenses, depending on the policy
Where Can I Purchase Travel Insurance for Safari?
For their next African safari, tourists can obtain adventure travel insurance in a few different ways, but not all policies are created equal.
It is often advised that travelers compare prices from a number of suppliers in order to get the best coverage amounts at the most affordable prices. This usually entails contrasting the policies offered by various travel insurance providers, comparison websites such as Squaremouth.com, your travel agent or tour operator, and others.
Selecting the best travel insurance for safaris doesn’t have to be difficult. Squaremouth’s experts can assist you in selecting the best plan for your African safari if you’re not sure which one is best for you. Get a travel insurance quote for safari now, and pack with confidence knowing that your trip is covered.
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Some Safari Travel Insurance to Consider:
Big cat travel insurance
If you become ill or are hurt while on safari, Big Cat’s travel insurance will take care of you and make sure you get the prompt medical care you need. We will also arrange for an airlift if necessary to get you from a hospital in a big city to a secluded safari spot in the African bush.
Principal Advantages of Safari Travel Insurance travel coverage for up to 24 months worldwide.
Up to £10 million in emergency medical and repatriation costs.
Up to £2 million in personal liability.
Personal belongings and luggage up to £2,000.Valuables and gadgets up to £1,000.Up to £15,000 in legal fees.
Individual funds up to £500.
Tickets costing up to £1,000.Visa and passport up to £3,000.
unlimited travel back home.
If you want to do voluntary or light manual labor.
More than 156 sports and activities are covered.
Ability to schedule or prolong insurance while on the road.
14-day cooling-off period with money-back if you decide to cancel before departure.
Medical emergencies
The most crucial component of your travel insurance is the medical and repatriation medical coverage. For hospitalization, medical care, and repatriation costs, our Premier coverage pays up to £10 million; for our standard and budget policies, it covers up to £5 million and £2 million, respectively.
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Simple to Continue or Renew
Whether you are at home or abroad, Big Cat lets you renew or extend your travel insurance. Even if you are currently on the road, you may purchase or renew your policy online through our system from any location in the globe.
Protection for More than 156 Activities
Whether you plan to go skydiving, scuba diving, jet skiing, bungee jumping, trekking above 2,500 meters, or kayaking, or even on a safari. Adventure sports and activities at different levels can be included in our Activity Packs.
FAQs on Big cat travel insurance
Covered Pre-existing Medical Conditions Automatically
Regarding the following automatically covered pre-existing medical conditions, you do not need to contact the medical screening help desk. These conditions are automatically covered at no additional premium as long as you do not also have a pre-existing medical condition. All pre-existing medical conditions will not be covered if you have one on top of the following automatically covered conditions; instead, you will need to reveal them to the medical screening help desk and get additional cover agreed upon in writing.
ADHD, acne, allergic reactions (including anaphylaxis), if you haven’t had hospital treatment for any of these conditions in the last two years,rhinitis caused by allergies,arthritis (the patient needs to be able to walk around the house on their own without assistance),The diagnosis of asthma needs have been made while the patient was younger than 50, and no further medication was needed to control the asthma, only two inhalers at most).
either total or partial blindness,
Carpal tunnel syndrome cataracts,If the chicken pox is totally healed,Typical cold or influenza,wounds and scrapes that are not self-inflicted and don’t need to be treated further, Cystitis:
if no ongoing medical care is received,Deafness, Diabetes (managed only with diet and medication),Vomiting and diarrhea:
if totally stopped,Eczema, a benign enlarged prostate, an essential tremor,Gout, glaucoma,hemorrhoids,Hay fever,injury to a tendon or ligament, if you are not receiving treatment at this time,
Menopause, migraine, and macular degeneration—if no ongoing research is being done—polyps in the nose,PMT,RSI, sinusitis—as long as there is no ongoing medical intervention— infections of the skin or wounds that have fully healed without the need for treatment,Hearing loss,
When there is hyperthyroidism (active thyroid), urticaria,legs exhibiting varicose veins.
How should a known medical condition be disclosed?
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Please contact us at 01702 427237 if you would prefer to complete your medical screening over the phone. One of our representatives will be pleased to help.You can disclose any pre-existing medical issues you may have, as defined by the terms of your Big Cat insurance, using this secure and private service.Although the medical screening helpline is optional, we strongly advise using it to make sure you are fully protected in the event that your pre-existing medical condition causes you any problems while traveling.
You will be informed of the possibility of coverage for the pre-existing medical condition, the possibility of an optional additional premium quote, and whether The terms and circumstances of the policy will be modified as necessary. You will be asked for your personal information and travel itinerary throughout this procedure. If you know your insurance coverage, please have that available as well.
A medical screening reference number and a letter will be issued to you following payment receipt if conditions are met and you choose to accept the offer of the additional coverage. The medical screening helpline must receive payment for any additional premiums directly.
If you choose not to use the optional terms that the medical screening helpline quotes or do not get in touch with them, you will not be covered for any claims that result directly or indirectly from a medical condition that already existed.
If a Close Relative discloses a Pre-Existing Medical Condition to the medical screening hotline and additional coverage is agreed upon, there is no cancellation or curtailment cover for that Pre-Existing Medical Condition for individuals who are not covered by your policy.
Is it possible to obtain reciprocal medical care in Australia?
In the event that they need medical care in Australia, UK residents are required to enroll with MEDICARE. After receiving treatment for the first time, you can register at
www.humanservices.gov.au/customerjects/medicare-services. Treatment received as an inpatient or outpatient in a public hospital may then be funded. In the event that you are taken to the hospital, you must get in touch with the Medical Emergency Assistance Service right away and give them permission to provide any therapy that is not covered by Medicare before receiving it.
A claim may be lowered or denied if you don’t register with MEDICARE or call the Medical Emergency Assistance Service.
AARDY Insurance
Some of the team at AARDY have had the good fortune to reside in and visit Southern, Eastern, and Northern Africa. We still have Western Africa on our list of areas to investigate. Southeast Africa is the spot of the great bulk of safari experiences.
When organizing your journey, keep in mind the distances when thinking about traveling across different African countries. How much time do you want to spend traveling between nations and safari parks as opposed to immersing yourself in one or both of them?
Is AARDY Travel Agency Insurance Sufficient for Safari Travel Insurance?
When you make your Safari reservation, your travel agent most likely will offer travel insurance. Review their insurance coverage carefully and contrast it with other plans offered on the larger travel insurance market, if you haven’t previously.
trip agencies typically offer expensive, restricted coverage when selling safari trip insurance. In particular, considering the destination of your vacation, they provide policies with completely insufficient coverage.
Look into it a little more if you’re looking for the best deal and peace of mind. You don’t need special coverage because your Safari will be covered by all major travel insurers. Africa is just another continent in the eyes of a travel insurance provider.
Next, we delve into the specifics of the coverages included in all AARDY policies for Safari Travel Insurance.
Travel Insurance for Safari: Protection Against Trip Cancellations
Safari reservations are typically made by tourists months in advance of the trip. We occasionally find safaris reserved up to two years in advance. We’re amazed at how patient travelers may be to make reservations thus far in advance!
In any case, make sure that any Safari Travel Insurance coverage you choose includes comprehensive trip cancellation insurance.
People occasionally get sick or hurt and are unable to go on the trip. Benefits for Trip Cancellation should always be included in Safari Travel Insurance.
Any passengers covered by the coverage may cancel their Safari and obtain a complete refund of their costs if one of the insured individuals is medically unable to travel.
Similarly, the coverage offers the same Trip Cancellation protection and complete return in the event that a family member passed away or became seriously ill.
Safari Travel Insurance: Tanzania’s Serengeti
Coverage for Trip Interruption with Safari Travel Insurance
Misery can occasionally hit while traveling. You might shorten your safari and get back home right away if a family member fell seriously ill or passed away.
There is Trip Interruption coverage included with every safari travel insurance package.
This coverage pays for the extra airfare you need to return home as well as the portion of the trip that you didn’t use. Although these are unwelcome thoughts, knowing that you have that coverage in case you need it will give you peace of mind.
Emergency Medical Coverage with Safari Travel Insurance
We don’t anticipate becoming ill while traveling, but bad luck can sometimes strike.
Every day, accidents happen and people hurt while traveling all around the world.
Traffic accidents can be severe and result in large medical and evacuation costs, even though the majority of incidents are small.
The majority of Americans do not have any kind of abroad health care, despite popular notion. Travelers from the US are not covered by Medicare, and even the Medicare supplement plans that do offer coverage abroad have restrictions.
It is a regular recommendation from the US State Department and the CDC for US citizens traveling abroad to obtain comprehensive travel medical insurance. If not, you will be responsible for covering the entire cost of any medical care as well as the exorbitant expense of a medical evacuation.
At Aardy, we advise travelers from overseas to purchase at least $100,000 in emergency travel insurance.
This advice is applicable to all types of Safari Travel Insurance. You must have enough insurance to cover a serious illness or injury.
The lowest amount of coverage that we feel comfortable suggesting is a $100,000 minimum. On the other hand, a number of our policies offer greater levels of medical insurance coverage.
AARDY.com – Safari, Travel, Insurance, Tanzania
Coverage for Emergency Medical Evacuation with Safari Travel Insurance you will most likely be hundreds of miles away from good medical care on your Safari. For minor situations, you can receive care locally; nevertheless, for anything severe, a medical evacuation is necessary.
Depending on the condition, you may need to receive emergency care at a nearby hospital. You will then be taken to an international hospital located in Southern Africa. After things settle, you can go back to the United states.
Medical evacuations are exceedingly costly and difficult.
We advise you to purchase Safari Travel Insurance that includes at least $500,000 in Emergency Medical Evacuation coverage due to the remote location of the safari and the challenges in accessing medical services.
Exclusion for Pre-Existing Medical Conditions under Safari Travel Insurance your current medical issues will not be covered under any travel insurance coverage you purchase. Know what restrictions and exclusions are included in a plan.
We emphasize the time restriction and exclusions regarding pre-existing medical conditions in each policy option at AARDY.
Any insurance you purchase for Safari Travel Insurance will not cover any recently developed or newly diagnosed medical issues. It also doesn’t include pre-existing medical issues if you have started taking a new prescription or had one altered.
What then does the term “recent” mean?
The number of days prior to enrolling in a Safari Travel Insurance policy is referred to as recent medical conditions.
Only medical conditions that have altered or developed during the 60 days prior to policy booking are excluded from coverage under the most extensive travel insurance policies. Any older medical conditions that remain unaltered are covered by the coverage.
A 180-day “Look Back” is used by certain stricter policies to omit a medical condition. A longer Look Back is not as kind to the journeyer. It is advised that you review your medical records to ensure that you haven’t seen a doctor within the 180-day exclusion period.
When they get travel insurance that exclusively uses 60-day retrospective
Exclusion of Pre-Existing Medical Conditions
Nonetheless, the policy does not protect certain visitors who have had recent medical concerns within the 60-day or 180-day “Look Back” period.
The answer is simple. Purchase a plan with an Exclusion Waiver for Pre-Existing Medical Conditions.
Instead of the pre-existing medical condition being excluded from coverage, a medical waiver enables coverage for it. A Medical Waiver is provided by several plans. If you purchase Safari Travel Insurance between 14 and 21 days after your initial trip deposit, you may be eligible for the Waiver.
That implies that the moment the first dollar toward your Safari excursion is paid, that is when the Time Sensitive Period (14–21 days) clock starts.
In conclusion, if you would like your pre-existing medical condition to be covered by your Safari Travel Insurance Purchase your policy within two weeks of making your first payment for medical treatment, trip cancellation, and interruption coverage.
Safari Travel Insurance: Family – Medical Waiver
Your relative may suffer a medical emergency even if you are in good condition. You might have to cancel your Safari and get a refund if a family member gets really sick or dies.
The coverage would not pay a cancellation benefit if the family member had a pre-existing condition at the time you purchased the Safari Travel Insurance. If you made thousands of dollars in deposits, it would be an issue.
A Pre-existing Medical Condition Exclusion Waiver can help with this issue. This Waiver covers your family members as well as yourself in the event that their medical condition requires you to Recall.
Keep in mind that activating a medical waiver doesn’t cost extra. It takes place on autopilot. Simply buy the insurance as soon as the trip deposit is received.
Medical Waiver: Covers Entire Travel Expense
To activate the Medical Waiver, the majority of Safari Travel Insurance policies require you to insure all non-refundable trip expenses.
Make sure you adhere to this criteria if a Medical Waiver is necessary in order to ensure coverage.
A very few travel insurance policies allow for the receipt of a Medical Waiver without full coverage.
If you require a Medical Waiver but do not want to pay for the entire trip, check with us at AARDY to see which option is appropriate for you. We’ll try our best to assist you in obtaining travel insurance that will cover this circumstance.
Travel Insurance for Safari – Coverage for Any Reason of Cancellation
You may have spent years organizing your safari and are determined to go, barring any illness or accident that keeps you from seeing the world.
But what if you would prefer more latitude when canceling? What if you believe that your intentions to travel on Safari may be hampered by a marriage, an autistic child, or a real estate transaction? What if there is political or security unpredictability in Southeastern African countries?
A Cancel for Any Reason Safari Travel Insurance insurance is then required.
Once more, this benefit is time-sensitive. The policy must be purchased between 14 and 21 days after the initial trip deposit. Moreover, Cancel For Any Reason guidelines Demand that you cover the full amount of your Safari’s non-refundable trip expenses.
Use CFAR to cancel your Safari at any moment up to 48 hours before your scheduled departure. 75% of the total cost of your vacation will thereafter be returned to you in cash.
An extra bonus to your regular cancellation protection is Cancel for Any Reason.Naturally, as all covered cancellations return the whole trip cost, you may still request a 100% refund if you had to postpone your safari due to illness or accident.
However, Cancel for Any cause Safari Travel Insurance offers the most protection if you need to cancel but don’t have a covered cause. Once more, we are here to help.
AARDY – Marketplace for Travel Insurance
Look for a policy with a minimum of $100,000 in medical insurance, a minimum of $500,000 in medical evacuation, and a pre-existing condition waiver while searching for Africa Safari Travel Insurance.
We at AARDY collaborate with the top US providers of travel insurance.
No one can outbid us on policy rates. We promise that no other provider will offer the same coverage for less money. So, when you get Safari Travel Insurance, take comfort in knowing that you are getting good value for your money and dependable protection.
The goal of this article is review only; it does not imply sponsorship or endorsement of AARDY.
Conclusion
In conclusion, while exploring the safari is sure to provide one with some unforgettable experiences, it also comes with certain risks. A nice safari travel insurance will provide you a sort of safety net to shield you from those risks. Therefore providing you with the confidence to explore the wilderness while knowing that you are protected against any unforeseen circumstances. From any form of medical emergencies to trip interruptions, investing in comprehensive insurance will help to make your safari travel a source of joy and wonderful discovery. So before you set off on your next safari trip, remember to put your peace of mind first by getting yourself the best safari travel insurance.
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