Best Tanzania Travel Insurance: Costs and Tips

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Joel Fulleda

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Tanzania is one of the most amazing places in Africa that it hosts naturalistic wonders very famous, including the imposing ones Victoria Falls and Kilimanjaro, a favorite destination for mountaineers from all over the world.
The country is famous for its beautiful nature reserves, the Serengeti Park and Ngorongoro e Zanzibar that will not finally disappoint lovers of the sea.
So if you are thinking of leaving for Tanzania, take out a good one insurance policy that guarantees you maximum protection in case of unforeseen events.

Here are the best travel insurance for Tanzania.


  1. Heyworld
  2. Allianz Global Assistance Travel Care
  3. Frontier Travel Insurance
  4. Columbus Insurance
  5. Coverwise
  6. Price comparison
  7. Is travel insurance in Tanzania mandatory?
  8. Why do health insurance: risks and dangers
  9. How to choose travel insurance
  10. User questions and comments


It is a recent reality in the world of travel insurance, it offers excellent policies that guarantee one complete coverage at very advantageous prices.

Equipped with a professional and well-trained staff, it offers its customers a24h medical assistance, a call center always active 365 days a year.
Ability to download an app to have dedicated assistance and free calls from anywhere in the world with just one click.

You can choose between 2 solutions: the temporary one that covers the single trip with a maximum duration of 45 days and the multi-trip that includes: Top multi-trip, with annual validity that covers all trips made in 365 days and reimburses medical expenses, early return, luggage and the Premium Multi-trip which also includes delayed departures and early return.

The proposed policies are:

  • Tranquility, which guarantees coverage of medical expenses up to € 2.000.000,00 and early return
  • Top, which also provides coverage for theft or loss of luggage
  • Premium it is the most comprehensive policy that also includes travel cancellation

Allianz Global Assistance Travel Care

It is a world leader in the insurance world, certainly one of the best travel insurance abroad.

All travel policies insure and guarantee 24 hour health care e direct payment of medical expenses.
The range of policies to choose from is exceptionally wide. There are various types to choose from and which adapt to various types of travel or vacation, including business trips and study holidays.

Here are some examples:

  • Travel Care, which offers 24/24 healthcare and direct payment of medical bills
  • Annual Travel Care, multi-trip insurance; perfect if you take several holidays each year with a maximum duration of 35 days. Ideal for frequent travelers
  • Travel Business, the insurance developed for business travelers
  • Travel Student, a policy that provides 2 solutions for students under 30 on a study trip abroad: Single Trip (single trip of 180 days maximum) and Multi Trip (multiple trips within a year)
  • Travel Fly, a policy that covers damage following air accidents, terrorist acts and accidents in flight

Frontier Travel Insurance

It is an Italian company specialized exclusively in the travel sector.

Customizable insurances, whether it's for a honeymoon, group trip, business trip include travel assistance, the coverage of medical expenses (with different ceilings), direct payment for any hospitalization, the emergency repatriation, andhelpline in Italian, with greater benefits for the Smart and Top categories. The wide range of policies proposed are divided into 3 categories:

  • Base: includes travel assistance, telephone medical assistance, medical expenses, home assistance during the journey and roadside assistance
  • Smart: in addition to what the Base proposes, I include damage to luggage during the trip
  • Top: in addition to what Smart offers, it includes reimbursement for flight delay, trip cancellation, trip interruption and accidents including the flight

Columbus Insurance

It is a historical leader in the travel sector.
The policies are between the most advantageous on the market for the quality / price ratio and include the most varied services. The choice is vast, prices start at just € 9,00.

What they include: Unlimited coverage of medical expenses, assistance h24, repatriation, theft of baggage e trip cancellation up to € 2.000,00, legal fees up to € 10.000,00 e civil liability up to € 500.000,00.
For children up to 2 years, insurance is mandatory. Among the various insurances:

  • Group Insurance: designed for groups of 8 people or more; prices that vary according to destination, duration and number of people
  • Family Insurance: covers all members of the same household
  • Backpacker insurance: protects those who love to travel long or even spend a whole year abroad
  • Sport & Adventure Insurance: provides coverage for damage suffered as a result of numerous sports activities such as surfing, beach volleyball, windsurfing, snorkeling ...


Insurance company specialized in the travel sector.
It is this experience that makes her one of the best online insurance for abroad.
Possibility to choose between different types of coverings:

  • All-inclusive coverage, the most comprehensive travel insurance that includes medical expenses abroad, 24-hour medical assistance, travel injuries, luggage, roadside assistance, assistance to family and home and much more
  • Medical Coverage, the travel policy that offers complete services such as 24-hour assistance, medical return, medical expenses abroad, third party liability, travel interruption and much more
  • Medical Coverage and Baggage, which also protects personal effects in case of unforeseen events and accidents
  • Cancellation Cover, which relieves you from the burden of penalties, generally applied in case of cancellation of the trip

Price comparison

Below is a comparative table of prices for the stipulation of travel policies.

NB: Prices are intended for an adult basic policy without previous illnesses

Is travel insurance in Tanzania mandatory?

Travel insurance for Tanzania is not compulsory but strongly recommended.

First of all, given the geographical position in which Tanzania is located, they could occur inconvenience with airlines.

Compared to other African countries, Tanzania is characterized by a generally higher level of security; however, care must be taken in urban areas, especially in the capital Dar Es Salaam and in the more touristy locations, where the risk of being victims of episodes of petty crime such as theft and pickpocketing.

Of fundamental importance is thehealth insurance.
The ideal is an insurance that offers the translation service and provides assistance 24 hours a day, 365 days a year.

Why do health insurance: risks and dangers

The health situation in Tanzania is not the best.
Health care in the country, both public and private, it is lacking: hospitals are equipped with dated medical equipment and drugs are difficult to find.
In case of serious injuries, it is often recommended to return to Italy.
It is therefore very important to take out travel health insurance that covers medical expenses and air transport to the nearest medical center and / or repatriation, with millionaire ceilings and medical repatriation with an unlimited limit.

Il cholera remains one of the main diseases in the country. But there are also malaria, typhus, hepatitis A, hepatitis B and hepatitis C. Before leaving, make sure you are up to date with the measles, diphtheria, tetanus and pertussis vaccines.

  • Dangers deriving from intoxication and pathologies carried by food and water. Consume only cooked foods and fruit with the peel; avoid drinks with ice and drink only sealed bottled water even for brushing your teeth.
  • High risk of contracting diseases such as malaria, cholera, typhus, hepatitis A, B and C and many others.
  • Accidents and injuries resulting from sports activities which can range from diving in Zanzibar to trekking on Kilimanjaro. Always contact serious and reliable operators with the appropriate certifications.
  • Dangers deriving from diseases carried by insects, primarily from mosquitoes.
  • Dangers arising from animal attacks. Pay attention to the crossing of herds along the roads connecting the inhabited centers. Reduced risk during safaris because you don't have to venture independently but you MUST rely on expert guides.
  • Danger of petty crime, such as theft and pickpocketing, especially in the capital and in the areas with the greatest tourist influx.

How to choose travel insurance

Insurance agencies specialized in the travel sector are to be preferred. Often, in fact, they are able to offer the best solutions at the best price.

Carefully evaluate the value of the ceiling and franchise for each single item of the contract.

For health coverage, make sure the translation service h24 and 7 days a week and inform yourself that payments are anticipated.

For baggage, make sure the limit per item covers the most valuable ones.

Also consider the reimbursement in case of voluntary withdrawal and coverage for damages caused to third parties.

  • Amount of the ceiling and the deductible
  • Loss / theft coverage
  • Compensation for expenses in the event of voluntary withdrawal
  • Civil Liability Coverage (expenses or compensation in the event of damage to third parties
  • Medical assistance - telephone and translation service 24 hours a day, 7 days a week
  • Compensation for injury / death / disability
  • Medical repatriation for injury or illness and repatriation of the body
  • Payment of travel and accommodation expenses for any family members forced to join the sick / disabled person
  • Compensation for delays: delays in the departure and / or arrival of means of transport, and / or loss of half
  • Compensation for changes / unforeseen events: unexpected flights or alternative means of transport, change of hotels or apartments, etc.
  • Refund for unused holidays
  • Terms of direct payment and advance of expenses (whether or not you have to pay the ordinary medical expenses or if the insurance takes care of it directly
  • Early return in case of hospitalization or death of a family member "at home
  • Age limits for the insured person
  • Coverage of previous and / or chronic illnesses
  • Compensation for the rescue of people
  • Compensation in the event of kidnapping

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