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Get a comprehensive travel-insurance policy in addition to any primary insurance you already have. Travel insurance covers trip cancellation; trip interruption or travel delay; loss or theft of, or damage to, baggage; baggage delay; medical expenses; emergency medical transportation; and collision damage waiver if renting a car. These policies are offered by most travel-insurance companies in one comprehensive policy and vary in price based on both your total trip cost and your age.
It's important to note that travel insurance does not include coverage for threats of a terrorist incident or for any war-related activity. It's important that you speak with your operator before you book to find out how it would handle such occurrences. For example, would you be fully refunded if your trip was canceled because of war or a threat of a terrorist incident? Would your trip be postponed at no additional cost to you?
Purchase travel insurance within seven days of paying your initial trip deposit. For most policies this will not only ensure your trip deposit but also cover you for any preexisting medical conditions and default by most airlines and safari companies. The latter two are not covered if your policy is purchased after seven days.
Many travel agents and tour operators stipulate that travel insurance is mandatory if you book your trip through them. This coverage is not only for your financial protection in the event of a cancellation but also for coverage of medical emergencies and medical evacuations due to injury or illness, which often involve use of jet aircraft with hospital equipment and doctors on board and can amount to many thousands of dollars.
If you need emergency medical evacuation, most travel-insurance companies stipulate that you must obtain authorization by the company prior to the evacuation. Unfortunately, a few safari camps and lodges are so remote that they don't have access to a telephone, so getting prior authorization is extremely difficult if not impossible. You should check with your insurance company before you leave to see whether it has this clause and, if so, what can be done to get around it. Good travel agents and tour operators are aware of the issue and will address it.