Zanzibar Mandatory Travel Insurance: Complete Guide for Travelers
- Aron
- 5 days ago
- 4 min read
Starting October 1, 2024, all foreign travelers visiting Zanzibar and Pemba Islands must purchase a mandatory Zanzibar travel insurance policy before or upon arrival. This new regulation applies to every non-resident visitor and is required regardless of any international travel insurance you already have.
If you’re planning a safari-and-beach holiday, honeymoon, or leisure trip with Gnade Safaris, this guide explains everything you need to know — clearly, accurately, and up to date.
What Is the Zanzibar Mandatory Travel Insurance?
The Zanzibar mandatory travel insurance is a government-issued insurance policy managed by the Zanzibar Insurance Corporation (ZIC). It is designed to cover emergency situations involving tourists while visiting the Zanzibar archipelago.
This insurance is not optional and is checked upon entry.
Key Facts at a Glance
Effective date: October 1, 2024
Applies to: Zanzibar (Unguja), Pemba & nearby islands
Not required for: Mainland Tanzania & Mafia Island
Cost:
Adults: USD 44
Children (3–17): USD 22
Children under 2: Free
Validity: 92 days (3 months)
Mandatory: Yes, even if you already have travel insurance
Who Must Pay the Zanzibar Travel Insurance Fee?
All non-resident foreign travelers arriving in Zanzibar by:
Air (international or domestic flights)
Sea (ferry or cruise)
This applies to:
Tourists
Honeymooners
Group travelers
Business visitors
Zanzibar residents are exempt.
Does This Insurance Apply to Mainland Tanzania?
No.This insurance is only required for Zanzibar and Pemba.
Mainland Tanzania operates under a different administrative system and does not require this insurance.
Mafia Island is part of mainland Tanzania, not Zanzibar, so this rule does not apply there.
What Does the Zanzibar Mandatory Insurance Cover?
The insurance provides basic emergency protection, including:
Covered Benefits
Emergency medical treatment
Medical evacuation & repatriation
Emergency accident coverage (conditions apply)
Theft, loss, or damage to luggage
Lost travel documents
Legal expenses (limited)
Emergency assistance coordination
This policy is designed to address unexpected incidents, not long-term or elective care.
What Is NOT Covered by the Zanzibar Insurance?
Understanding exclusions is critical.
Not Covered
Sports & adventure activities
Pre-existing medical conditions
Pregnancy and related complications
Preventive or routine medical checkups
Cosmetic or elective treatments
Alcohol-related incidents
Participation in fights (unless self-defense)
Natural disasters
War, riots, terrorism, or civil unrest
Deliberate or reckless behavior
This insurance does NOT replace comprehensive international travel insurance.
Do I Still Need This If I Already Have Travel Insurance?
Yes.Even if you already hold:
International travel insurance
Credit-card insurance
Employer-provided coverage
You must still purchase the Zanzibar mandatory insurance.Other policies are not accepted as replacements.
How Much Does Zanzibar Travel Insurance Cost?
Adults: USD 44
Children (3–17): USD 22
Children under 2: Free
Special Plans Available
Family packages
Group plans (10+ travelers)
Where and How to Pay the Insurance Fee
Online Payment (Recommended)
The insurance can be purchased via the official government portal:
Simple 3-step process
Multiple language options
Secure credit card payment
Email confirmation issued instantly
Payment Upon Arrival (Not Recommended)
You can pay at:
Zanzibar International Airport
Stone Town ferry terminal
Important conditions:
You must still complete the online application first
Payment is in cash
Expect delays during busy periods
To avoid queues, always pay online in advance.
When Should You Buy Zanzibar Travel Insurance?
We recommend purchasing it:
Immediately after booking flights
Alongside your Zanzibar tour or accommodation
Early payment ensures:
Smooth immigration clearance
No delays on arrival
Peace of mind before travel
How Long Is the Insurance Valid?
Valid for 92 days (3 months) from the date of arrival
If your stay exceeds 92 days:
A new insurance policy must be purchased
What Document Will I Receive After Payment?
After payment, you will receive:
A confirmation email
Insurance policy number
Coverage start date
You should:
Save it on your phone
Print a copy for backup
Immigration officers may request this upon arrival.
Can the Insurance Be Cancelled If My Trip Is Cancelled?
Yes.If your Zanzibar trip is canceled, you can request a cancellation by emailing:
Include:
Policy number
Travel dates
Reason for cancellation
Why Did Zanzibar Introduce Mandatory Travel Insurance?
According to Zanzibar’s Ministry of Finance, the policy aims to:
Improve emergency medical services for tourists
Reduce strain on local healthcare facilities
Manage lost passports and baggage cases
Organize emergency evacuations and repatriation
Enhance the overall visitor experience
The initiative is part of a broader tourism management strategy by the Zanzibar government.
Will This Affect Your Zanzibar Holiday?
In practice, no — if planned properly.
The fee is modest compared to overall travel costs
The process is quick and straightforward
It adds an extra layer of security
With proper preparation, your Zanzibar experience remains smooth and enjoyable.
Traveling to Zanzibar with Gnade Safaris
At Gnade Safaris, we:
Brief all guests about entry requirements
Assist with Zanzibar travel planning
Combine safaris + Zanzibar seamlessly
Ensure stress-free arrival and transfers
📩 Contact us for personalized safari and Zanzibar travel support.
Final Advice for Travelers
✔ Purchase the insurance online in advance
✔ Carry confirmation on arrival
✔ Keep separate international travel insurance
✔ Plan early to avoid airport delays
Zanzibar remains one of Africa’s most beautiful destinations — and with the right preparation, your journey will be effortless.
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