Zanzibar introduced mandatory inbound travel insurance in October 2024. Mainland Tanzania introduced its requirement on October 1, 2026. For a combined journey, current guidance uses the first-entry insurer: NIC for mainland entry or ZIC for Zanzibar entry. The stated duration is up to 92 days. Check your eligibility and current policy before travel.
Background and History of Zanzibar’s Travel Insurance Policy
The introduction of mandatory travel insurance in Zanzibar is part of the government’s broader strategy to improve tourist safety and security. In recent years, Zanzibar has seen a significant increase in tourism, which has become a vital component of its economy. However, the growing number of visitors also brings challenges related to health and safety, leading the government to take proactive measures to protect tourists and ensure high service standards.
what does the zanzibar insurance cover?
During a press briefing, Dr. Saada Mkuya Maalim, Zanzibar’s Minister of Finance, highlighted the importance of this insurance coverage. She stated, “This mandatory insurance will significantly enhance the services provided to our visitors. It offers protection for health issues, lost baggage, accidents, emergency evacuations, passport and document loss, and even repatriation in case of death.” This initiative is a step towards aligning Zanzibar with international travel standards while ensuring the island remains a safe and welcoming destination.
When does the new regulation come into effect?
Starting October 1st, 2024.
Why Mandatory Insurance if Travelers Already Have Their Own?
A common question among travelers is why additional insurance is necessary if they already have their own travel insurance from their home country. The Zanzibar government tailors this mandatory policy to address the specific needs of visitors during their stay in Zanzibar. Although many travelers may already have coverage, the terms and conditions of different insurance providers can vary significantly. The government seeks to ensure that all tourists receive standardized protection tailored to local conditions and potential risks.
For example, while many international travel insurance plans cover health emergencies, they might not include local hospital networks or specific evacuation procedures necessary in remote parts of Zanzibar. Additionally, international policies often limit coverage for lost baggage or document replacement. The ZIC policy fills these gaps, providing comprehensive protection that ensures every visitor has the appropriate support in an emergency.
Moreover, the new policy simplifies the process for tourists. By providing a single, government-approved insurance plan, visitors can avoid the confusion and discrepancies that often arise when dealing with multiple international insurance providers. Integrated with Zanzibar’s tourism system, the policy streamlines administrative processes for both travelers and local authorities efficiently.
The Role of Zanzibar Insurance Corporation (ZIC)
The Zanzibar Insurance Corporation (ZIC), a government-owned entity, will be the sole provider of this mandatory travel insurance. The corporation has been working closely with the Ministry of Finance to develop a comprehensive package that meets the specific needs of tourists. Before traveling to Zanzibar, visitors must purchase the insurance through ZIC and will receive a QR code confirming their coverage. Upon entry to Zanzibar, they must present this QR code, which links to their insurance details.
Other Countries with Mandatory Travel Insurance
Zanzibar is not the first destination to introduce mandatory travel insurance for visitors. Several countries worldwide have implemented similar policies to protect tourists and ensure seamless emergency responses. Countries like Costa Rica, Thailand, and Cuba require visitors to show proof of travel insurance upon entry, while certain European nations demand insurance coverage as a visa requirement. These policies help ease pressure on local healthcare systems and improve tourists’ overall safety, well-being, and travel experience.
Zanzibar Mandatory Insurance Benefits Schedule
Recommendations for Travellers and Updates
Budget for the applicable inbound policy as well as any private cover you need. Check the current price and benefits directly with your first-entry insurer. Read the official first-entry guidance before arranging a combined mainland and Zanzibar trip.
To obtain insurance, travelers must purchase it through this link before departing for Zanzibar. After completing it, you will receive the QR code provided by ZIC, which is necessary to board flights and enter the island.
To check for the status of your travel insurance application, please click here.
Be sure to visit the official Zanzibar tourism website for the latest updates and detailed information on how to purchase the policy.
If you have any questions or need further clarification, please contact the Zanzibar Insurance Corporation directly. You can reach them via email at inbound@zic.co.tz or call their toll-free number at 0800008005.
Other Entry Requirements to Enter Zanzibar
- Visa: A visa is mandatory for most nationalities visiting Zanzibar. Read more from the Immigration Department website.
- Yellow fever vaccination card: If traveling or transiting through countries with yellow fever risk, you must present proof of vaccination.
- A passport: Your passport should be valid for at least six months beyond your entry date into Zanzibar (Tanzania) and have at least two blank pages.
FAQs About Zanzibar Travel Insurance
Is the Insurance Mandatory to Enter the Mainland?
Mainland Tanzania now has mandatory inbound-insurance rules. Do not rely on older advice saying that no local cover is required. Confirm your route and any applicable exemption with the official provider.
Who is required to pay the fee?
All non-residents visiting the Zanzibar archipelago, including Unguja and Pemba, must pay the mandatory insurance fee. This rule applies to travelers arriving by air or sea, regardless of whether they already have international insurance coverage. However, it excludes residents of Zanzibar and children under the age of two. The fee is a necessary requirement for anyone entering the islands for tourism or other purposes after October 1, 2024.
If a tourist already has international insurance, do they still need to pay this fee?
Yes, even if tourists already hold international insurance, they still must pay the mandatory Zanzibar insurance fee. This fee is a non-negotiable requirement for all visitors entering Zanzibar and its surrounding islands. The local government has implemented this policy to ensure all tourists are covered under a standardized plan that supports the region’s healthcare and emergency services infrastructure, regardless of any additional insurance they might already possess.
Is there a family plan for Zanzibar insurance?
Check the insurer’s current application process for every family member. Age-based pricing and family arrangements must come from the policy in force when you apply.
Is there a special plan for group travelers?
Ask the applicable insurer about group registration and payment. Confirm any minimum size or discount directly rather than assuming a separate group product exists.
Where can the fee be paid?
The Zanzibar insurance fee can be paid online through the official Zanzibar tourism website (visit zanzibar.go.tz). Alternatively, travelers can make the payment in cash upon arrival at Zanzibar’s airports or Stone Town seaport, but they must complete an online application beforehand.
How to pay the insurance fee?
The insurance fee can be paid online through the official Zanzibar tourism website, using a credit card.
Can the Zanzibar travel insurance be extended if the trip lasts longer than 3 months?
Ask the insurer what you must arrange if your stay exceeds the policy period. Do not assume renewal is automatic.
Can the insurance be canceled if the trip is canceled?
Check cancellation and refund conditions before payment. Any refund depends on the insurer’s current terms.
Conclusion
As tourism continues to thrive in Zanzibar, this initiative is a proactive measure that protects tourists and strengthens the island’s reputation as a safe and welcoming destination. Whether you’re visiting for the pristine beaches, rich culture, or vibrant history, you can now travel with the assurance that help is readily available in case of unforeseen events. Make sure to check with your travel planner or our team for any updates or changes to this policy before embarking on your Zanzibar adventure.
