Zambia Travel Insurance Requirements

Last updated: 03/07/2024

Squaremouth’s Zambia Travel Insurance Recommendations

Travelers from around the world visit Zambia to enjoy game-filled safaris and scenery without the crowds of other African destinations. The cost of visiting Zambia is not to be overlooked, and visitors traveling from abroad would be smart to protect themselves financially in the event that things don’t go according to plan.

While Zambia has no official travel insurance requirements, it’s recommended by travel experts and the country’s tourism board to get a policy that covers your entire stay. Typically, these recommendations include coverage for cancellations, medical emergencies, delays, and lost luggage.

Cancellation Coverage for Zambia

Most travelers who buy travel insurance want financial protection in the event they can no longer take their trip. With the Trip Cancellation benefit, travelers can be reimbursed up to 100% of their prepaid, nonrefundable trip expenses if they fall ill, get injured, or experience other covered disruptions prior to their departure date.

Due to the high costs of traveling to Zambia, Trip Cancellation coverage can be especially important. In 2022, the average cost of traveling to Zambia among Squaremouth users was $10,223.05, well above the global average trip cost.

Policies with Trip Cancellation also include Trip Interruption coverage, which can provide travelers reimbursement if unexpected events cause them to return home from their trip early. This benefit applies to travelers that have already departed for their trip and have unused, nonrefundable trip costs.

The most common covered reasons include unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other covered cancellation reasons may also include terrorism, inclement weather, or a natural disaster, among others.

Zambia Travel Medical Insurance

Safaris and adventure tourism are some of the main drivers of visitors to Zambia, often taking travelers deep into remote areas of the country. Traveling to remote locations, far from hospitals and treatment facilities, can often lead to expensive healthcare and transportation bills in the event of a medical emergency.

To cover the costs of medical bills in Zambia, it’s recommended to find a policy with the Emergency Medical benefit, which reimburses travelers the cost of hospital stays, lab costs, x-rays, ambulance rides and other physician services. For visitors heading to Zambia, a good travel medical policy will include at least $100,000 in Emergency Medical coverage.

For countries like Zambia, the cost of getting transported to a medical facility can be significant, especially for those exploring the country’s many national parks. A policy’s Medical Evacuation benefit can reimburse travelers the cost of emergency transportation to the nearest adequate treatment center. Due to the potentially high costs of an emergency evacuation, we recommend Zambia visitors find a policy with at least $250,000 in Medical Evacuation coverage.

Zambia Delay Coverage

While Zambia is a popular tourist destination for adventure lovers and nature-enthusiasts from around the world, getting there often requires a multi-leg journey. Fortunately, many comprehensive travel insurance policies offer protection for travelers that experience delays that impact their trip.

Travelers that experience delays on their way to or from Zambia may be eligible for food and accommodation compensation through their policy’s Travel Delay benefit. If a delay causes them to miss a connecting flight, their policy’s Missed Connection benefit can also reimburse travelers that need to book additional airfare to catch up to their trip as well as reimburse them for any unused trip costs.

Many comprehensive travel insurance policies also include luggage protection. Both Baggage Delay coverage and Baggage & Personal Items Loss benefits will offer reimbursement to travelers if their baggage gets damaged, delayed, or lost at any point during their trip.

Click here to begin your search for Zambia Travel Insurance.

Zambia Travel Insurance Trends and Data

Aside from its natural beauty, Zambia has made a name for itself for its rich history and culture. With a wide variety of wildlife, it is also one of Africa’s major safari destinations.


Destination Rank: 100

Percentage of Squaremouth Sales: 0.07%

Average Premium: $722.13

Average Trip Cost: $10,179.32

Squaremouth Analytics compares thousands of travel insurance policies purchased pre- and post-pandemic to identify changes and trends in the travel insurance industry.

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