Cheesemans' Ecology Safaris

Travel Insurance

What’s Travel Insurance?  |  Travel Insurance Requirements  |  Policy Questions  |  Providers  |  Dive Insurance

What is Travel Insurance?

Travel insurance provides financial protection for unexpected events that may affect your trip. Benefits may include coverage for trip cancellation, trip interruption, medical expenses and emergencies, travel delays, and luggage. Compare benefits and exclusions carefully so you will purchase the policy that you desire and need.

What are your travel insurance requirements?

Refer to your trip itinerary to find out what insurance is optional, included (AMREF Flying Doctors for some of our East Africa safaris), or not included but required for you to purchase.

We do not include insurance for most of our trips. Many providers offer travel insurance, so it is best to research and determine which company is most suitable for your needs. In the event of your medical evacuation while on safari, you are personally responsible for any costs associated with your evacuation, whether you are insured or not.


For our tours where insurance is not required, we still encourage you to purchase a policy because we travel to remote destinations. Emergency evacuation can be very costly and difficult to coordinate in international locations.


For some of our most remote expeditions, we require you to purchase emergency evacuation insurance coverage of about $50,000 for most tours and about $250,000 for our Antarctic and Arctic expeditions. Sometimes this insurance is required by the country you will travel in or the regional outfitter that we use.


We do not require trip cancellation insurance for any of our tours, but we strongly advise purchasing this coverage if you believe there's a possibility of canceling your trip close to the departure date. Please be aware that we cannot offer refunds after the date specified in your itinerary, whether you purchase insurance or not. Given the unpredictability of travel circumstances, we recommend careful consideration before deciding to travel without insurance.

What are good questions to ask about a travel insurance policy?

  1. What is the maximum trip cost limit? Is it enough for my trip?
  2. Is emergency medical/dental and evacuation covered with no deductible?
  3. Is the amount of emergency medical/dental and evacuation coverage enough for my trip?
  4. Is trip cancellation and interruption included? What are the covered reasons to cancel or interrupt my trip?
  5. Does my credit card insurance extend to my traveling companions? For instance, can children be included at no additional cost when traveling with an insured adult?
  6. If I become injured or ill while traveling, can I be transported to the nearest hospital of my choice?
  7. Are pre-existing medical conditions covered?
  8. If my trip is delayed, can extra expenses like hotel stays, meals and taxi fares be reimbursed?
  9. If my luggage is lost or stolen, can I be reimbursed?
  10. What if my luggage doesn’t arrive when I do? Can I be reimbursed for essential personal items to help me enjoy my trip?


Do you recommend any travel insurance providers?


For your convenience, we offer a Travelex Insurance Services protection plan to help protect you and your travel investment against the unexpected. For more information on the available plans contact Travelex Insurance (800-228-9792) using reference location number 05-0911. Please click here to get a quote or to enroll. Travelex Insurance Services, Inc CA Agency License #0D10209. Travel Insurance is underwritten by Berkshire Hathaway Specialty Insurance Company, NAIC #22276. V94

Travel Smarter and Safer with Travelex's 'Travel On' App

Stay informed and prepared with the Travelex 'Travel On' app. This essential travel companion offers a wealth of features to enhance your travel health and safety. From real-time alerts about your destination to 24/7 emergency assistance, the app ensures you’re equipped to handle unforeseen challenges. Benefit from expert destination advice, easy access to policy details, and a tap-to-call emergency feature. Travel with confidence knowing you have a reliable resource right in your pocket. Learn more about how the 'Travel On' app can transform your travel experience at Travelex Insurance.

Travelex Plan Options:

  • Travel Basic Plan: A great alternative to cruise and tour operator insurance, Travel Basic offers coverage for the value-conscious traveler while meeting essential travel needs — including the option to add coverage for rental car collision and flight accidental death & dismemberment.
  • Travel Select Plan: Designed with family travelers in mind, Travel Select provides kids-included pricing. In addition, the plan offers complete customization with personalized upgrade options including additional medical coverage and adventure sports coverage.


We partner with Wanderwell, a Certified B Corp travel offering coverage and advising for both - Trip Cancellation and Post-Departure-only (travel medical) trip protection plans. Wanderwell has modern, comprehensive trip protection plans designed to cover the most common travel perils, and an attentive customer care team. Click here to create quotes and purchase a travel insurance plan online directly through the quoting pathway, or to contact the Wanderwell Care Team.  

Wanderwell plans:

  • Wanderwell GO is designed to protect the investment of your trip (trip cancellation & trip interruption) as well as you while you are on the trip! 
  • Wanderwell TripMed+ is a post-departure only (travel medical) style plan designed to give you peace of mind while on your trip away from home.

The sooner you purchase a trip protection plan, the more it can cover, as there are time-sensitive benefits that can be applied (ie coverage for pre-existing conditions, optional Cancellation for Any Reason (CFAR) upgrade *if eligible). To have access to the maximum coverage available, it is generally recommended to purchase a trip protection plan within 21 days of making your initial trip payment of any kind for this trip (ie flights, packages, tours...whichever is made first).

If you choose to purchase through Wanderwell, you can buy the trip from our Cheesemans' Ecology Safaris partner page by clicking here, and at least 1% of your purchase premium price will be donated to the Planet Impact Fund through 1% for the Planet network. 



Part of the African Medical and Research Foundation, AMREF Flying Doctors provides air evacuation services in medical emergencies across East Africa, as well as air ambulance transfers between medical facilities. This insurance will only cover extreme emergencies and does NOT cover the cost of hospitalization or medical care. The Maisha Tourist Plan for an individual tourist costs about $20 to $130 depending on countries covered. If you do not use your subscription for an evacuation, your contribution goes to evacuate somebody who urgently needs medical attention who cannot afford it.


Compare different travel insurance at Squaremouth, which sells insurance for travelers from the United Kingdom and other countries around the world. Their website also has lots of information on travel insurance.


What about dive insurance?

Some of our safaris that involve snorkeling or diving require you to purchase dive insurance. While in underwater submersible and surface cages, you usually use a hookah breathing system; most insurance companies consider this a diving activity, which is not usually covered by regular emergency evacuation insurance policies. Dive insurance can help cover you for possible injuries that may occur in the water.

Consult your regular travel insurance company to see if they have policies that cover in-water activities, but here are a few insurers:


DiveAssure - offers annual and short-term dive and travel insurance to residents worldwide, but does not cover anyone over the age of 75.


DAN offers annual dive insurance, plus annual and short-term travel insurance to US and Canada residents, and covers anyone over the age of 75.


Travelex offers an optional Adventure Sports Coverage upgrade that can be added to their Travel Select Insurance plan. The upgrade will help to cover diving activities, but only for US residents.