So you’re traveling to Africa soon? Whether it is for business or pleasure, you will need to think about travel insurance. You don’t want it to end up being costly. If you are traveling for business, it is likely that your company will cover the cost. If not, hopefully, these tips will help you to get the best deal that you can. Alongside the best cover possible.
Why are You Visiting?
If it is a business or recreational visit, looking for insurance should be straightforward. Will you be traveling to volunteer in schools or other projects? As you may be there for a bit longer, a different kind of insurance will most likely be applicable. The Nigeria Education news may have some insight into volunteer projects in schools.
When Are You Going to Travel?
What time of year are you looking to travel? This could make the insurance higher. Traveling to certain areas in the wet season, June to September, could mean a higher premium. This is due to it being rainy, and there are more instances of flash flooding. Flooding could affect where you are staying as well as your belongings. It could also mean that you’d be at greater risk of a waterborne disease during this time. If you have to travel in the summer, make sure you budget for the cost of a higher travel insurance premium.
What Potential Risks Are There?
There are risks in every country, no matter what you do. There are risks just stepping out of your front door; such is life. But, the best option is to do your research. Look at the potential risks for the areas that you might be traveling too. If you are going to Nigeria for example, it might be best to avoid the Northern areas. These have been proven to have higher kidnap rates than the south or other African countries.
If it isn’t a necessity to travel to those areas, then it is best to be avoided for a lower insurance premium.
What Belongings Will You Be Taking?
For most people, this will be a once in a lifetime trip. Of course, you will want to capture it all and get lots of fabulous photographs and video. Think though, is taking the DSLR completely necessary? It is bulkier and more obvious to thieves than a smaller, compact camera. This can just be hidden in a bag or pocket. It would be cheaper to replace should the worse happen too. This advice goes for most items. Travel light and think about the necessity of taking more expensive items. If what you are taking is cheaper, your insurance will be cheaper. Simple.
I think the most important piece of advice I can give is to shop around. There are hundreds of insurance companies out there, and they will all offer something completely different. Use a few comparison sites, as not all companies are on each one. Then, read the policy and what is included, again, again and again. Make sure you have the right cover for the exact trip that you will be having. Check the excess charge too. You don’t want to think you’ve got a bargain insurance deal but then have to fork out a lot if anything does happen to you.
Good luck with your search for travel insurance. I hope you have a great trip and get a bargain insurance deal!