Mandatory Zanzibar Travel Insurance: Everything Visitors Must Know
Mandatory Zanzibar Travel Insurance: What You Need to Know (Effective 1st October 2024)
Beginning 1st October 2024, all foreign visitors entering Zanzibar are required to purchase mandatory travel insurance costing USD 44 per person. This fee applies to both adults and children and must be paid in addition to any travel insurance you may already hold. The insurance is provided exclusively by the Zanzibar Insurance Corporation (ZIC) and offers coverage for 90 days.
The mandated policy ensures protection for travellers against medical emergencies, accidents, lost baggage, emergency evacuations, passport/document loss, and even repatriation in the event of death. This new initiative aims to enhance tourist safety and ensure a consistent standard of care for all visitors on the island.
Why Zanzibar Introduced Mandatory Travel Insurance
The Zanzibar government implemented this policy as part of a broader effort to strengthen visitor safety. With tourism now a major economic pillar for the region, the rise in visitor numbers has also increased the need for reliable health and emergency services. Mandatory insurance ensures that tourists receive essential support and helps reduce strain on local resources.
Why Is It Required Even If You Already Have Insurance?
A common concern among travellers is the need for additional insurance when they already have their own coverage. The government has clarified that this mandatory insurance is tailored specifically to Zanzibar’s environment, risks, and service systems.
Since international policies differ widely in terms of coverage, exclusions, and country-specific limitations, the Zanzibar-issued insurance guarantees a standardised level of protection for every tourist while in the archipelago.
What the Mandatory Insurance Covers
The insurance package includes the following key benefits:
Medical & Related Expenses
Emergency medical treatment (including epidemics & pandemics)
Compulsory quarantine expenses due to epidemics or pandemics
Emergency medical evacuation and repatriation
Extension of stay if medically unfit to fly (plus one accompanying person)
24/7 assistance services
Additional Protections
Personal accident cover
Repatriation and liability
Legal expenses
Baggage loss or damage
For more details, travellers can refer to the official Zanzibar Mandatory Insurance FAQs issued by the government.
About Zanzibar Insurance Corporation (ZIC)
The Zanzibar Insurance Corporation, a government-owned institution, is the exclusive provider of the mandatory travel insurance. ZIC worked alongside the Ministry of Finance to create a comprehensive plan aligned with Zanzibar’s tourism needs.
Travellers must purchase the insurance before travel, after which they will receive a QR code confirming their coverage. This QR code must be presented at immigration upon arrival.
Other Countries With Similar Requirements
Zanzibar is not alone in implementing mandatory travel insurance for visitors. Countries such as Costa Rica, Thailand, and Cuba also require proof of insurance on entry. Additionally, some European nations include insurance obligations as part of visa requirements. These measures reduce pressure on local healthcare systems and ensure travellers can access emergency assistance when needed.
Recommendations for Travellers
When planning your trip, remember to include the USD 44 insurance fee in your travel budget. Even if you already have international travel insurance, this Zanzibar-specific policy is still required and will be checked upon arrival. Entry will not be permitted without it.
Keeping your existing travel insurance is still advisable, as it may offer broader coverage beyond Zanzibar’s borders or include additional benefits such as trip cancellation and global coverage.
How to Apply for the Mandatory Zanzibar Insurance
Applying for the insurance is simple:
Visit the official Zanzibar tourism website: https://visitzanzibar.go.tz/
Fill in your visitor information
Pay the USD 44 fee
Receive your receipt and QR code
Present the QR code at immigration on arrival
The insurance applies per individual and is valid only within the Zanzibar archipelago. A family/group purchase option is expected to be introduced later.
Important:
Travelers must complete this process themselves. Tour operators (including Wild Pride Safari) cannot purchase this insurance on your behalf.
For assistance, contact ZIC at inbound@zic.co.tz.
Final Thoughts
The new mandatory insurance requirement aims to protect visitors, simplify medical procedures, and ensure efficient emergency responses. Although the regulation has sparked discussion among travellers, its long-term benefits will become clearer over time.
If you plan to visit Zanzibar, review the coverage details carefully and maintain your own travel insurance for optimal protection. Being prepared helps ensure a safe, enjoyable, and worry-free experience on the island.
Travel smart, stay safe, and enjoy the beauty of Zanzibar.
