Best Travel Insurance for Tanzania: Costs and Tips

Vanessa Korovina

Updated: 13 August 2025 ·

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Best Travel Insurance for Tanzania: Costs and Tips

Tanzania is one of the most incredible places in Africa, home to famous natural wonders, including the majestic Victoria Falls and Kilimanjaro, a top destination for climbers from around the world.
The country is known for its beautiful natural reserves, the Serengeti National Park, the Ngorongoro Crater, and Zanzibar, which will not disappoint beach lovers.
If you are considering a trip to Tanzania, ensure you take out a good insurance policy that provides maximum protection in case of unforeseen events.

Here are the best travel insurance options for Tanzania.

Heymondo

It is a recent reality in the world of travel insurance, offering excellent policies that guarantee comprehensive coverage at very advantageous prices.

Equipped with a professional and well-prepared staff, it provides its clients with 24/7 medical assistance, a call center always active 365 days a year. You can download an app to receive dedicated assistance and free calls from anywhere in the world with just one click.
You can choose from different solutions: temporary insurance covering a single trip, annual insurance covering all trips made within 365 days, and long-term insurance for trips of at least 90 days (renewable thereafter).

For a trip to Tanzania, the premium package includes: medical expenses up to €10,000,000, coverage for Early Return up to €2000, damage from loss and damage to luggage up to €3,500, coverage for Cancellation from €3000 or €6000.

The various options offered are:

Travel Peace of Mind includes medical expenses, medical transportation, and repatriation, deductible, and other included coverages (legal assistance, civil liability, etc.).
Temporary from €37.75 / Annual not available / Long-term from €228.83
Travel Top includes medical expenses, medical transportation, and repatriation, deductible, luggage, delays and loss of services, other included and optional coverages such as electronic equipment and adventure sports.
Temporary from €45.00 / Annual from €151.98 / Long-term not available / Long-term from €228.83
Travel Premium includes all the previous options plus optional electronic equipment, adventure sports, and trip cancellation.
Temporary from €58.35 / Annual from €171.77 / Long-term from €228.83

Allianz Global Assistance Travel Care

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

All travel policies ensure and guarantee 24/7 medical assistance and direct payment of medical expenses.
The range of policies to choose from is exceptionally broad. There are various types available that cater to different kinds of trips or vacations, including business trips and study vacations.

Here are some examples:

Travel Care, which offers 24/7 health assistance and direct payment of medical expenses
Annual Travel Care, multi-trip insurance; perfect if you take several vacations each year lasting up to 35 days. Ideal for regular travelers
Travel Business, insurance designed for those traveling for work
Travel Student, policy that offers 2 options for students under 30 traveling for study abroad: Single Trip (one trip of up to 180 days) and Multi Trip (multiple trips within a year)
Travel Fly, policy covering damages resulting from air accidents, terrorist acts, and injuries during flights

Frontier Travel Insurance

It is an Italian company specially focused on travel.

Customizable insurance, whether for a honeymoon, group travel, or business trips includes travel assistance, coverage of medical expenses (with different limits), direct payment for potential hospitalization, emergency repatriation, and telephone assistance in English, with greater benefits for the Smart and Top categories. The wide range of proposed policies is divided into 3 categories:

Base includes travel assistance, telephone medical assistance, medical expenses, assistance at your home during the trip, and roadside rescue
Smart in addition to what Base offers, includes coverage for lost luggage during the trip
Top in addition to what Smart offers, includes reimbursements for flight delays, trip cancellations, trip interruptions, and accidents including flights

Columbus Insurance

It is a historic insurance leader in the travel sector.
The policies are among the most advantageous on the market for the quality/price ratio and include the most varied services. There is a vast selection available, with prices starting from just €9.00.

What they cover: unlimited coverage of medical expenses, 24/7 assistance, repatriation, theft of luggage and trip cancellation up to €2,000.00, legal expenses up to €10,000.00, and civil liability up to €500,000.00.
For children up to 2 years old, insurance is mandatory. Among the various insurances:

Group Insurance designed for groups of 8 people or more; prices vary based on destination, duration, and number of people
Family Insurance covers all members of the same family unit
Backpacker Insurance protects those who love to take long trips or even spend an entire year abroad
Sport & Adventure Insurance provides coverage for damages sustained during numerous sporting activities like surfing, beach volleyball, windsurfing, snorkeling...

Coverwise

Insurance company specialized in the travel sector.
This expertise makes it one of the best online insurances for abroad.
You can choose from different types of coverage:

All-Inclusive Coverage is the most comprehensive travel insurance including medical expenses abroad, 24/7 medical assistance, travel accidents, luggage, roadside assistance, assistance to family members and home, and much more
Medical Coverage, the travel policy that offers comprehensive services like 24/7 assistance, medical repatriation, medical expenses abroad, civil liability to third parties, trip interruption, and much more
Medical and Luggage Coverage, which also protects personal belongings in case of unforeseen events and accidents
Cancellation Coverage, which relieves you of penalties usually applied in case of trip cancellation

Price Comparison

Below is a comparative table of prices for obtaining travel insurance for Tanzania.
Note: The prices are meant for insurance for adults without pre-existing conditions.

Is travel insurance mandatory in Tanzania?

Travel insurance for Tanzania is not mandatory but strongly recommended.

First of all, considering the geographical location of Tanzania, there may be delays with airlines.

Compared to other African countries, Tanzania has a generally higher level of safety; however, caution is needed in urban areas, especially in the capital Dar Es Salaam and other tourist locations, where there remains a risk of petty crime such as theft and pickpocketing.

Health insurance is of fundamental importance.
The ideal policy offers translation services and provides 24/7 assistance, 365 days a year - get a quote

Why take health insurance: risks and dangers

tanzania karatu africa architecture

The health situation in Tanzania is not the best.
Health care in the country, both public and private, is inadequate: hospitals have outdated medical equipment and medications are difficult to find.
In cases of serious injuries, evacuation to the US is often recommended.
It is therefore crucial to take out travel health insurance that covers medical expenses and air transport to the nearest medical center and/or repatriation, with million-dollar limits and unlimited medical repatriation.

Cholera remains one of the main diseases in the country. But there are also malaria, typhoid, hepatitis A, hepatitis B, and hepatitis C. Before departing, make sure you are up to date with vaccinations against measles, diphtheria, tetanus, and whooping cough - get a quote

Risks from poisoning and diseases transmitted by food and water. Only consume cooked food and fruit with skins; avoid beverages with ice and drink only sealed bottled water, even for brushing teeth.

High risk of contracting diseases such as malaria, cholera, typhoid, hepatitis A, B, and C, and many others.

Accidents and injuries resulting from sports activities that can range from diving in Zanzibar to trekking on Kilimanjaro. Always consult serious and reliable operators with the appropriate certifications.

Risks from diseases transmitted by insects, primarily from mosquitoes.

Risks from animal attacks. Be cautious of herds crossing roads between towns. Risk is reduced during safaris because you should not venture out on your own but should rely on expert guides.

Risk of petty crime such as theft and pickpocketing, especially in the capital and in areas with high tourist traffic.

How to choose travel insurance

tanzania africa safari

Insurance agencies specializing in the travel sector are to be preferred. They are often able to propose the best solutions at the best price.

Carefully evaluate the amount of coverage and deductible for each item in the contract.

For health coverage, ensure that a 24/7 translation service is included and inquire whether payments are made in advance.

For luggage, ensure that the limit per item covers those of higher value.

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

Amount of Coverage and Deductible

Coverage for theft/loss of luggage

Reimbursement for voluntary withdrawal expenses

Coverage for Civil Liability (expenses or compensation in case of damages to third parties)

Medical assistance - telephone and translation service 24/7

Compensation for injury/death/disability

Medical repatriation for injury or illness and repatriation of remains

Payment for travel and accommodation expenses for any family members required to reach the sick/disabled person

Compensation for delays: delays in the departure and/or arrival of means of transport, and/or loss of means of transport

Compensation for changes/unforeseen events: unexpected flights or means, change of hotel or apartments, etc.

Reimbursement for holidays not taken

Conditions for direct payment and advance expenses (whether you have to pay ordinary medical expenses or if the insurance covers them directly)

Early return in case of hospitalization or death of a family member at home

Age limits for the insured person

Coverage for pre-existing and/or chronic conditions

Compensation in case of rescue of persons

Compensation in case of kidnapping

Travel insurance: our recommendation

We always rely on the company , which provides comprehensive coverage at absolutely competitive prices.
In addition, they offer customer assistance, a call center always active and 24/7 health insurance with unlimited medical consultation: we know well that when overseas in emergency situations, finding a consultant ready to respond is the most important thing.
Visit their site and receive a 10% discount on your policy reserved for Travel365 users.