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What you need to know before you purchase Travel Insurance

If you complete the Inquiry Form, we will provide you with a formal proposal that you can easily convert into an actual policy. If you have any questions or need clarification, feel free to e-mail us at Joel@SafariSamaritan.com.

Solar Powered Lamps
Solar Powwered Lamp

In rural communities in Africa where many homes do not have electricity, solar powered lamps improve the daily lives of children and adults by providing clean and healthy lighting. This is accomplished by replacing dangerous, expensive, and polluting kerosene lamps with lamps powered by the sun. These solar lights enable children to study at night and adults to extend their workday, all the while eliminating carbon emissions, improving household health, and increasing a family’s standard of living.

As part of your customized safari your tour operator can arrange for you to make a stop at a local school, where you can personally donate the lamps. You can decide how many lamps you will like to donate and the cost will simply be added to the final payment of your safari. The lamps will be in your van as you leave on safari, ready for you to deliver. It’s that simple! You will be amazed how adding as little as 1% or 2% to the cost of your safari can make such a profound difference in the lives of children, and at the same time adding another great experience to your safari.

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There are two things that you can insure relating to an African Safari.

    1. You can insure the non refundable portion of your trip cost if you have to cancel your trip for a valid reason prior to the start of the safari. This is insuring your investment in your safari.
    2. You can insure against something happening to you during the safari. This is protecting yourself while on safari.

Comprehensive Travel Insurance covers both items 1 and 2 above, and is the most common and popular insurance. There are two basic definitions that pertain to comprehensive insurance plans, which you need to understand before you purchase the insurance:

1) Pre-Existing Medical Condition Read more

Let’s say you had a knee operation 10 years ago and it hasn’t required medical attention in years. That would not be considered a pre-existing condition. On the other hand, if you started taking any medication or had your medication level changed within the last 180 days, that would be considered a pre-existing condition. Some insurance policies may have a waiver for pre-existing conditions and some may not. Without that waiver, if you get sick prior to your departure and it can be traced to a pre-existing condition, you will not get your refund. Similarly, if you get sick on safari and it can be traced to a pre-existing condition, you will not be covered for medical expenses or emergency evacuation.

In addition, if a member of your family, who is not going with you on safari, gets sick and this prevents you from going, this is normally a valid reason for cancelling and getting a refund. However, if this sickness can be traced to a pre-existing condition and you do not have the waiver, you will not get your refund. Therefore, you should make sure the plan you are purchasing includes a waiver for pre-existing conditions.

2) Primary versus Secondary Coverage Read more

Both types of insurance policies cover whatever is in the fine print of the policy. However, with primary coverage the travel insurance company will first reimburse you for all your expenses and then go after any other insurance policies that you may have (e.g. Medicare) to see if you are at least partially covered. If so, they go after that entity to get partially reimbursed for what they owed you. You do not get involved at all.

With secondary coverage it is your responsibility to go after any insurance you may have and then document to the travel insurance company that you have been reimbursed to the fullest extent possible. Only then will the travel insurance company reimburse you for the rest.

We offer two different comprehensive travel insurance plans by Travel Guard USA (AIG): the Gold Plan and the My Travel Guard Plan.

The Gold Plan Read more

The most popular Comprehensive Travel Insurance plan is the Gold Plan. It comes with only secondary coverage and no pre-existing condition waiver. However, if you buy the plan within 15 days of when you made your first payment (either for international airfare or for safari) the plan switches to primary coverage and you get the pre-existing condition waiver. If you have passed the 15 day point, another option is the My Travel Guard Plan (see below).

You must insure the total non-refundable portion of your safari, including international airfare. If not, you lose the primary coverage and pre-existing condition waiver.

An important add-on option to the Gold Plan is the emergency evacuation upgrade, which in addition to increasing the coverage to $1,000,000, gives you the option of selecting where you will be evacuated to, which can be your hometown hospital. For people under 70 years of age, it is not more than $6 per person.

The Gold Plan also covers children under 17 at no extra cost.

My Travel Guard Plan Read more

The My Travel Guard Plan starts off as a very basic and inexpensive plan that definitely would not be recommended for an African safari. However, there are many options that can be added that make it comparable to, or better than the Gold Plan. In many cases the My Travel Guard Plan, when made comparable to the Gold, is significantly less expensive than the Gold Plan.

How do I decide whether to purchase the Gold Plan or My Travel Guard, and how would I know what options to select on My Travel Guard?

Just fill out and submit the very simple Travel Insurance Inquiry Form below. We will do a complete comparative cost analysis, and provide you with a formal quote for your consideration. You can then convert that quote into an actual policy with one phone call. It’s that simple. 

For more information about Travel Insurance, please complete our Travel Insurance Inquiry Form.

What if I just want to insure against something happening to me during the safari?

Again, complete our Travel Insurance Inquiry Form and enter  Pack ‘N Go  in the comment field. You should only select this plan if you are about to leave on your safari. If you have to cancel your safari, for whatever reason, you will not be covered for your non-refundable costs. In addition, this policy only offers secondary insurance and does not have a waiver for a pre-existing medical condition, although the “look back” period is only 60 days, as opposed to 180 days for the Gold Plan.