Going away is one of the highlights of the year, and none of us really wants to think about something going wrong while we are enjoying sun, sea, and the beautiful beaches of Zanzibar.
But the reality is that some of us will have some sort of problem while we are away, whether that is lost luggage, delayed or cancelled flights, or a medical emergency. As the best tour company in Zanzibar, we always advise our guests that getting travel insurance really is a must before you head overseas.
However, the price of policies can vary dramatically, so never accept the first price you find; always compare prices to make sure you get the best value cover you can.
What do you need to Cover?
You must get cover for anything that you anticipate could go wrong. The basics would be lost luggage, delay or cancellation of your flights, and medical treatment while you are away. If you are planning any adventurous Zanzibar excursions, ensure those activities are covered too.
For medical cover, the minimum cover you should have is £1 million. It is wise to get a higher limit if you are travelling from America or Australia, where treatment is famously expensive. Getting cover for medical evacuation and repatriation is also essential.
Pro Tip: Never assume an activity is covered as standard. Always check the terms and conditions and buy additional cover if you need to.
Baggage and cancellation cover should be at least as high as the value of the items you are taking. If you are carrying expensive cameras or laptops for your safari, make sure they are within the single item claim limit (often £200-£300).
What happens if the Holiday Company goes bust?
This depends on whether the company is ATOL protected. Most package deals with reputable operators will be protected, meaning the Civil Aviation Authority will arrange new flights home for you if the company fails while you are away.
If you have booked your holiday on your credit card, you may also be protected under Section 75 of the Consumer Credit Act for services worth between £100 and £30,000.
What if my Flight is delayed or cancelled?
If your flight is delayed, your airline must provide a seat on a later flight or refund your money. Being delayed for between 8 and 12 hours usually means you can claim some money back from your travel insurer.
Types of Travel Insurance Available
- Family Cover: Policies for families travelling together.
- Pre-existing Medical Conditions: Specialized cover for conditions like diabetes.
- Winter Sports/Adventure: Essential for high-risk activities.
- Over 65s: Specific policies designed for senior travelers.
Comprehensive Cover for Less
The value of a policy is in whether a claim will be accepted. It is vital to check the terms and conditions. Do not assume the cheapest policy is the best; ensure it provides the specific level of cover you need for your trip.
Do you need any assistance with your Zanzibar trip? As the best tour company in Zanzibar, we are here to help!
Feel free to:
✅ Contact us via WhatsApp (+255788039862)
✅ Visit our Official Contact Page
