Travel Insurance for Your Kenya Safari

We require all our guests to have comprehensive travel insurance for their safari, or the financial means to fully cover any expenses, in the event of a medical emergency, trip interruption, or loss.

We recognise that the wide range of available travel insurance policies can feel overwhelming and complex. While cost may be a consideration when planning your holiday, it is essential to be aware that medical evacuation and private healthcare in Africa can be prohibitively expensive, with hospital admissions potentially exceeding USD 50,000.

To help you make an informed decision, we have compiled the travel insurance advisory below, outlining the key considerations for choosing the right policy for your African safari.

Overview: Our Travel Insurance Advisory

At Governors’, we understand that unexpected events such as illness, accidents, or flight disruptions can occur while travelling. Our dedicated in-house incident management team, Wilderness24, is on hand to support guests through any unforeseen challenges during their stay with us. Private medical care in Africa is of a high standard but can be costly, and a trip interruption can be expensive too. To ensure we can assist you effectively in a medical emergency, we require all guests to have comprehensive travel insurance in place prior to travel.

We also recognise that choosing the right policy involves several factors, from affordability to the level of support provided. Drawing on our experience assisting guests who have required medical evacuation or hospitalisation, we encourage you to carefully choose and review your policy to ensure it offers sufficient cover and avoids limitations that could impact your care.

Governors’ Camp Collection is not an insurer, underwriter or financial institution, and the advice on this page is based on our experience and in collaboration with underwriting and insurance experts.

Do You Need Special Travel Insurance for a Safari?

All travellers should hold travel insurance with sufficient cover for their individual risk profile and the nature of their travel. This cover should be adequate for treatment within the country of travel, or potential onward evacuation to South Africa and associated hospitalisation costs. Alternatively, travellers must be prepared to personally fund emergency medical support if necessary.

Key considerations when choosing a policy for your safari:

  • Choose a reputable insurance provider. See our list of recommended insurers further down.
  • Avoid ‘pay & claim’ policies unless you are financially able to pay upfront and submit a claim afterwards. Note that most travel insurance policies currently default to a ‘pay & claim’ model.
  • If possible, opt for a ‘Cancel for Any Reason’ (CFAR) benefit.
  • If you are offered a packaged policy by a travel agent, tour operator, or bank, ensure the cover is appropriate for your personal medical risk profile and trip requirements. Pay particular attention to any limitations or exclusions regarding:
  • Chronic or pre-existing medical conditions
  • Age restrictions (typically for travellers over 65 years)
  • Adventure activities (e.g., hot air ballooning, quad biking, scuba diving)

If any of these limitations apply to you, consider obtaining gap cover to supplement your policy.

You are personally responsible for reviewing all policy exclusions, limits, and claims procedures, and for submitting any claims for reimbursement in accordance with your insurer’s process; travel agents, tour operators and embassies cannot do this on your behalf. Please also ensure your travel insurance details and emergency contact (next of kin) information are easily accessible and shared with your travel agent or tour operator, in case you are unable to activate the policy yourself during an emergency.

Minimum Cover Guidance and Recommended Providers

We cannot advise on specific minimum cover amounts, as they depend on individual circumstances and potential risks. The following is provided as a general guideline; please consult your broker or your country’s insurance association for specific recommendations:

  • Medical expenses (including evacuation, treatment, hospitalisation, and repatriation): USD 1 million (some associations recommend USD 5 million, although we have not encountered claims of this magnitude).
  • Personal belongings: At least USD 1,500, with higher amounts for valuable items.
  • Personal liability: USD 1 million.
  • Cancel for Any Reason (CFAR) cover: Equivalent to the total cost of the holiday, including airfares, if affordable.

Selecting a travel insurance product is a personal decision, and while we cannot endorse or advise on a specific product, we recognise the choice can feel overwhelming. To help, we have compiled a list of specialised travel insurance providers known to offer cover suited to travel within Africa:

You can also review licensed, reputable insurers via your national insurance regulatory body, such as:

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