Tanzania Travel Insurance-What you should know about Travel Insurance to Tanzania-
Get some! You may never need it, but if you do you will be very glad to have it. Medical treatment in East Africa is not free and public hospitals often very crowded. Don’t expect the same quality of medical treatment in an East African public hospital as you get back home either.
There are many different travel insurance policies available and any travel agency will be able to recommend one. Before you choose one collect several different policies and read through them for an hour or two, as the cost of a policy and the sort of coverage offered can vary considerably.
Many policies are pitched at the family package-tour market and are not really appropriate for a long spell in Africa under your own steam. Usually, medical insurance comes in a package which includes baggage insurance and life insurance, etc.
You need to read through the baggage section carefully as many policies put a ceiling on how much they are prepared to pay for individual items which are lost or stolen.
- Some policies specifically exclude ‘dangerous activities’ which can include scuba diving, motorcycling, even trekking. If such activities are on your agenda you don’t want that sort of policy.
- You may prefer a policy which pays doctors or hospitals directly rather than you having to pay on the spot and claim later. If you have to claim later make sure you keep all documentation. Some policies ask you to call back (reverse charges) to a centre in your home country where an immediate assessment of your problem is made.
- Check if the policy covers ambulances or an emergency flight to the hospitals. If you have to stretch out you will need two seats and somebody has to pay for them.