Africa Travel Insurance

Africa Travel Insurance

Looking for the best travel insurance for Africa? When travelling on holiday or for business on the African continent, travel insurance is a vital part of planning your trip, and you want to ensure that you’re picking the right policy for you. To be prepared for any unforeseen, or unexpected, circumstances during your travels, you want to make sure that you’ve selected the best travel insurance for Africa in advance to offer you adequate cover and to keep you protected in a range of eventualities. 

There are a variety of reasons why Africa is a popular destination amongst holidaymakers, and its favourable environments for adventure sports are but one of these reasons. Whether you fancy diving with the Great white shark in South Africa, sand boarding in Namibia, or even embarking on a motorcycle tour through the heart of the continent, if adventure activities are on your agenda, it’s essential that you factor this into your travel insurance cover.

And there are a range of insurance policies on offer with us here at Navigator Travel Insurance, with our most budget-friendly cheap travel insurance to Africa options covering not only the essentials that you need to be protected on your trip but also, in some cases, adventure sports, higher risk activities, and even long-stay and business trips.

Whatever your plans, there is a range of options available for you to choose from when it comes to finding the perfect travel insurance policy for you and a variety of considerations to take into account when planning your next trip to Africa, which we’ve shed some light on below. 

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Do I Need Travel Insurance for Africa from the UK?

Regardless of where you’re travelling from, if you’re travelling to Africa, travel insurance is a must. This is no exception for those travelling from the UK, who need to ensure that they have selected the best travel insurance for Africa for the duration of their trip. This should also cover any activities planned and offer suitable protection in the event of an unforeseen circumstance, such as luggage going missing or a medical emergency occuring. 

It is especially important that Brits travelling to South Africa select a travel insurance plan with adequate health and medical cover as, unlike countries in Europe, for example, there is not a reciprocal agreement for providing healthcare between the UK and South Africa. This means that, if you require medical care or emergency treatment, you will be relying on your insurance to cover any expenses incurred.

What African Countries Are Covered with Travel Insurance?

Depending on where you’re going in Africa, your travel insurance can cover you for just one country or can cover you for multiple if you’re planning on travelling around the continent. For example, if you only plan on travelling to South Africa, you could select a policy that only offers you cover in this country and specify your particular requirements to determine the extent of the cover that you need for your visit here.

The countries covered by travel insurance in Africa aren’t necessarily all of the countries within the continent, however, as those covered by Africa travel insurance policies are often in line with FCDO recommendations on travel. This means that if the UK government deems a particular country in the continent as unsafe to travel to then those travelling there will be exempt from receiving insurance cover. 

This is subject to change and travellers should be conscious of FCDO recommendations when choosing where they want to travel to in Africa, or anywhere else in the world for that matter. These recommendations are in place in order to protect travellers’ wellbeing and you would be advised to take these into consideration when planning a trip to Africa.

What if You’re Travelling to More Than One Country in Africa?

Some policies can offer you cover for the whole continent, offering you comprehensive Africa travel insurance that provides you with the freedom to travel to multiple countries and adequate cover as you explore its vast horizons. 

Equally, with other policies, you are able to select multiple destinations if you know the specific countries in Africa that you will be travelling to on your next adventure, ensuring that you have an Africa travel insurance policy that covers every inch of your travel route and itinerary. 

What is Covered With our Travel Insurance to Africa?

Depending on the Africa travel insurance policy you choose with us, this will determine the type of cover, and level of cover, you have for your trip to the continent or any one of its countries. We’ve outlined a selection of our policies below and what they cover so that you can determine which policy may be the best travel insurance for Africa for you. 

Like any standard travel insurance policies, you will be covered, in most cases, for:

  • Baggage loss, damage, or theft
  • Trip cancellation and delays
  • Medical and emergency repatriation

Navigator Standard, Enhanced, Prime & Supreme

If you select any one of our Navigator Standard, Enhanced, Prime, or Supreme policies, these have options for short stays of up to 62 days in length, annual multi-trips of up to 45 or 62 days per trip, and long-stays for up to 18 months for those in the UK and EU/EEA. Motorcycling touring is also covered on these travel insurance policies for a maximum of 31 consecutive days per trip.

It is also possible to upgrade your cover to include a variety of extreme activities and sports, should you be planning on partaking in these during your travels. However, it’s worth noting that depending on the type of policy you choose, the age limits vary, so we’d strongly advise that you check the age restrictions of each individual policy before purchasing one with us. Action plus options can be added to policies for those looking for extended and additional cover during their travels.

Gaining a quote for our Navigator Standard, Enhanced, Prime & Supreme policies is quick and easy to offer a price tailored to your trip itinerary and travel plans whilst in Africa.

High-Risk Voyager

This policy is largely applicable to those who study or travel for work. Leisure trips are possible with this policy, but only for up to 31 days. This can be a useful business travel insurance for Africa as working trips can be covered for up to 12 months in length. You’ll also find this policy to be valid for travel that goes against FCDO advice, should you need to travel to any of the destinations deemed unsafe by the FCDO. 

With this policy, baggage, loss of pasport, cancellation, or any other cover that isn’t medical and repatriation is classed as an optional extra so needs to be added as an additional cover when receiving your initial quote. This policy also has a maximum age of 69 years.

Picking our High-Risk Voyager policy may be right for you if you’re travelling for work and are in search of business travel insurance for Africa, with a quote easily accessible from us in our online portal.

Longstay & Backpacker 

Our Longstay and Backpacker policy covers those who are travelling longer term, offering cover for up to 18 months in length. This policy also covers a range of higher-risk activities and sports, as well as work responsibilities such as working with machinery or wild animals. This covers people up to 69 years of age in its worldwide cover, which includes Africa. You can get a quote for our Longstay and Backpacker policy on our website. 

To learn more about the range of policies that we have on offer here at Navigator Travel, you can visit our policy overview page where you’ll find further details to help you come to a decision as to which one is right for you.

How Do I Get Emergency Assistance When in Africa?

With our policies here at Navigator Travel Insurance, we offer 24-hour medical assistance for those who are faced with an accident or medical emergency on their travels and need expert advice on what to do in these situations. 

You should also call the phone number for emergency medical services in the country you are in. If you are travelling to Africa, before you are to depart on your holiday here be sure to note down the emergency medical number for each country that you are visiting. For example, 112 is the nationwide emergency response number for South Africa, and a few other African countries.


Much like travelling to any corner of the globe, ensuring that you have sufficient travel insurance cover is a must. And when it comes to selecting Africa travel insurance in particular, you want to make sure that every aspect of your trip to this beautiful continent will be covered to offer you the peace of mind you need so that you are protected at every moment during your adventure.

We hope that this article has shed some light on the options available to you so that you can choose the best travel insurance for Africa to suit you, bringing you one step closer to being prepped and ready for your next holiday to this magical continent.

If you have any queries or need assistance with quotes or booking, please do not hesitate to call us on 0161 973 6435 or email

To get a quote for your travel insurance


How Much is Travel Insurance for South Africa?

Travel insurance for South Africa will vary depending on what you plan on doing whilst you are there, the length of your trip, and any additional extras you may want included in your chosen policy. For example, if you plan on partaking in higher-risk activities, this will likely add to the cost of your insurance in order to keep you safe, if this isn’t already included in your chosen policy. 

We offer cheap travel insurance to Africa for the level of cover that we include, meaning that you can rest assured that you are protected in the event of any unforeseen circumstances during your trip, whilst not being put out of pocket.

What is the Best Travel Insurance for Africa? 

The best travel insurance for Africa will vary depending on the nature of your trip, amongst other factors. For example, international insurance in Africa will ensure you have cover in multiple destinations if you wish to travel to the continent’s countries, which is something that our High-Risk Voyager policy can offer. 

Altetnatively, if you’re looking for business travel insurance for Africa, our Longstay and Backpacker Policy is most likely the right fit for you, offering the cover that you need for any working trip.

To get a quote for your travel insurance

Annual Multi-Trip

Cover for multiple trips
  • Up to 45 days each trip
  • Option to extend to 62 days
  • Special deals for couples and families
Learn More

Long Stay Single Trip

Cover from 2 to 18 months
  • Gap years
  • Extended backpacking
  • Career breaks
  • Volunteering
  • Studying
  • Working holidays abroad
Learn More

Short Stay Single Trip

Cover for up to 45 days
  • Single holiday
  • Business trip
  • Special rates for families
  • Accompanied kids go free
Learn More

Check out the different options available to you below:

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Holiday Makers

Families, couples or individuals

Families, couples or individuals on holiday or business trips for shorter durations.



gap years, Backpackers and Career break

Usually couples or individuals requiring cover for longer term overseas trips of 2 months or more.


Sports & Adventures

skiing, snowboarding, climbing and more

We offer four policies for people travelling overseas, requiring cover for specific sports and activities.