Africa

Travel insurance

Travel insurance to cover theft and illness is highly recommended. Although having your camera stolen by monkeys or your music player eaten by a goat can be a problem, the medical cover is by far the most important aspect because hospitals in Africa are not free, and the good ones are not cheap. Simply getting to a hospital can be expensive, so ensure you’re covered for ambulances (land and air) and emergency flights home.

There are many policies available, including several pitched at travellers on long trips. Some forbid unscheduled boat or plane rides, or exclude dangerous activities such as white-water rafting, canoeing, or even hiking. Others are more sensible and understand the realities of travel in Africa. Shop around and read the small print to make sure you’re fully covered.