Zambia Travel Insurance: Plans & Prices
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Reviewed By Last updated: 04/01/2026
Key Takeaways
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Based on Squaremouth sales data, the top-selling travel insurance plans for Zambia are offered by Travel Insured International, Tin Leg, and Seven Corners..
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Zambia travel insurance costs $850-$900 on average, with travelers spending roughly $46 per day on coverage.
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Medical care in Zambia for U.S. tourists is limited outside major cities, making Medical Evacuation coverage essential if you are visiting remote national parks.
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Zambia is one of the most expensive destinations in the world, with travelers spending over $18,000 on their trips on average. We recommend comprehensive travel insurance with strong Trip Cancellation coverage to protect against unexpected cancellations.
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Travelers from around the world visit Zambia for intimate, unique safari experiences without the big crowds. Since safari tours are seen as high-risk by many travel insurance providers, specialized adventure coverage is often required.
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Try our online travel insurance comparison tool to get multiple Zambia travel insurance quotes at once. For personal assistance, call our award-winning agents at 1-800-240-0369.
Squaremouth’s Zambia Travel Insurance Recommendations
Over the last 12 months, the top three travel insurance plans purchased by travelers with upcoming trips to Zambia on Squaremouth were:
Travelers from around the world visit Zambia to enjoy game-filled safaris and scenery without the crowds of other African destinations. The cost of visiting Zambia is not to be overlooked, and visitors traveling from abroad would be smart to protect themselves financially if things don’t go according to plan.
While Zambia has no official travel insurance requirements, it’s recommended by travel experts and the country’s tourism board to get a policy that covers your entire stay. Typically, these recommendations include coverage for cancellations, medical emergencies, delays, and lost luggage.
Cancellation Coverage for Zambia
Most travelers who buy travel insurance want financial protection in the event they can no longer take their trip. With the Trip Cancellation benefit, travelers can be reimbursed up to 100% of their prepaid, nonrefundable trip expenses if they fall ill, get injured, or experience other covered disruptions before their departure date.
Due to the high costs of traveling to Zambia, Trip Cancellation coverage can be especially important. In 2022, the average cost of traveling to Zambia among Squaremouth users was $10,223.05, well above the global average trip cost.
Policies with Trip Cancellation also include Trip Interruption coverage, which can provide travelers reimbursement if unexpected events cause them to return home from their trip early. This benefit applies to travelers who have already departed for their trip and have unused, nonrefundable trip costs.
The most common covered reasons include unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other covered cancellation reasons may also include terrorism, inclement weather, or a natural disaster, among others.
Zambia Travel Medical Insurance
Safaris and adventure tourism are some of the main drivers of visitors to Zambia, often taking travelers deep into remote areas of the country. Traveling to remote locations, far from hospitals and treatment facilities, can often lead to expensive healthcare and transportation bills in the event of a medical emergency.
To cover the costs of medical bills in Zambia, it’s recommended to find a policy with the Emergency Medical benefit, which reimburses travelers the cost of hospital stays, lab costs, x-rays, ambulance rides and other physician services. For visitors heading to Zambia, a good travel medical policy will include at least $100,000 in Emergency Medical coverage.
For countries like Zambia, the cost of getting transported to a medical facility can be significant, especially for those exploring the country’s many national parks. A policy’s Medical Evacuation benefit can reimburse travelers the cost of emergency transportation to the nearest adequate treatment center. Due to the potentially high costs of an emergency evacuation, we recommend Zambia visitors find a policy with at least $250,000 in Medical Evacuation coverage.
Zambia Delay Coverage
While Zambia is a popular tourist destination for adventure lovers and nature enthusiasts from around the world, getting there often requires a multi-leg journey. Fortunately, many comprehensive travel insurance policies offer protection for travelers who experience delays that impact their trip.
Travelers who experience delays on their way to or from Zambia may be eligible for food and accommodation compensation through their policy’s Travel Delay benefit. If a delay causes them to miss a connecting flight, their policy’s Missed Connection benefit can also reimburse travelers who need to book additional airfare to catch up to their trip as well as reimburse them for any unused trip costs.
Many comprehensive travel insurance policies also include luggage protection. Both Baggage Delay coverage and Baggage & Personal Items Loss benefits will offer reimbursement to travelers if their baggage gets damaged, delayed, or lost at any point during their trip.
Click here to begin your search for Zambia Travel Insurance.
More Details on the Best Travel Insurance for Zambia
Most Popular Zambia Travel Insurance Plan
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
The best-selling travel insurance coverage option among Squaremouth customers visiting Zambia, accounting for roughly 20% of all policy sales for the destination
Known for its customization options, allowing customers to enhance and tailor their coverage through various add-ons and policy upgrades
Covers up to $100,000 in prepaid, non-refundable trip costs, which can reimburse your airfare, hotel, and safari tour expenses if you need to cancel your trip for a covered reason
Best Plan for African Safari Tours
Medical / Med Evac Coverage
$500,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Comes standard with $500,000 in coverage for overseas medical expenses, providing reimbursement for unexpected hospital stays, doctor visits, and prescription medication while in Zambia
Covers a variety of high-risk adventure activities, providing reimbursement if you suffer an accident during your Zambia safari tour
Provides among the best 24-Hour Emergency Assistance services on the market, helping travelers find the best medical care, coordinating evacuations, and facilitating upfront payment if necessary for treatment
Best Overseas Medical Insurance
Medical / Med Evac Coverage
$500,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
Includes $500,000 in Emergency Medical coverage, which includes reimbursement for pre-existing condition flare-ups if you purchase your policy within 20 days of your first trip deposit
Provides up to $1,000,000 in coverage for medical evacuations if you suffer a severe medical emergency in one of Zambia’s famous national parks and need to be airlifted to a medical facility
Comes with $2,000 in Trip Delay coverage that covers meal and hotel costs if your flights to Zambia are significantly delayed due to a covered reason
Zambia Travel Insurance Trends and Data
Aside from its natural beauty, Zambia has made a name for itself for its rich history and culture. With a wide variety of wildlife, it is also one of Africa’s major safari destinations.
Destination Rank: 100
Percentage of Squaremouth Sales: 0.07%
Average Premium: $848.02
Average Trip Cost: $12,767.94
Squaremouth Analytics compares thousands of travel insurance policies purchased over the last two years to identify changes and trends in the travel insurance industry.