Travel Insurance; don't book without it!
As part of Yellow Zebra’s Terms & Conditions, it’s our policy that every client purchases travel insurance at the time of booking a holiday.
We are often asked why we hold this policy, as travel insurance can be viewed as an extra and potentially avoidable cost. I’d like to stress that we do not sell travel insurance. YZ policy includes the condition that our clients purchase insurance to protect them from eventualities that can arise when arranging an expensive trip or when travelling to an adventurous destination like Africa. We don’t profit from our advice – we just want to see our clients covered as well as we believe they ought to be.
Unfortunately, due to legal reasons, we can’t advise on the suitability of any particular travel insurance policy. However, we can explain why taking out a policy is essential – please read on.
Be covered from the moment you book a safari. A safari is usually expensive. Purchasing travel insurance at the time of booking your trip ensures that, if it is necessary for you to cancel your holiday due to accident or illness, you will be able to recoup the booking costs. If you do not take out insurance and subsequently cancel your booking, we shall have to charge you as per our Terms & Conditions, section 5.
Medical treatment and repatriation. We advise that you and any fellow travellers take out insurance to cover all events that might have a detrimental effect on your holiday. Of course, we very much hope that you will have a trouble-free trip. However, it is far better to be safe than sorry, so any policy should cover medical treatment and repatriation due to accident or illness.
Extreme sports, walking safaris, microlights, etc. If you are planning to take part in sports or other adventurous activities during your holiday, we recommend that your policy covers you for any injuries sustained as a result of these activities. Please make sure you read the conditions carefully, as it is essential they are appropriate for the types of activities you intend to do.
Loss of valuables, personal liability, legal expenses. Your policy should include cover for loss of any valuable items too, as well as personal liability, legal expenses, and cancellations abroad, and any delays at your point of departure, whether you are outward or homeward bound.
Pre-existing illnesses. Please seek advice from an insurance broker if necessary to ensure that your policy covers any pre-existing illnesses.
Does your health insurance cover your safari? (This question is often relevant to travellers from the USA.). US health insurance premiums sometimes cover clients for their trips overseas. We cannot comment on these policies, but would advise clients to contact their existing insurers for health cover and to consider additional insurance to protect against the risk of loss or cancellation.
- Incurring considerable costs. If you do not have a policy to cover any of the events mentioned above, you are at risk of incurring considerable costs. Repatriation home, for example, can cost a huge amount of money. As mentioned already, we cannot be held responsible for any of these costs.
- Covering the full amount of your trip including international flights. Please ensure any policy covers the total cost of your safari. Many travel insurance policies will only cover up to a certain figure – this is a common issue with credit card travel insurance.