Redpoint Destinations

South Africa

Travel Insurance for South Africa

Fall in Love With The Rainbow Nation, Protected by Redpoint

Get protected with the best trip insurance for South Africa

South Africa is a diverse, dynamic nation that deserves its reputation as a destination that delights international visitors. Once-in-a-lifetime safari encounters in Kruger National Park, the iconic Table Mountain, Cape Town's majestic coastline, and the buzzy arts and culture of Johannesburg are just a few of the reasons it attracts so many travelers. If you've never been to Africa before, South Africa is the ideal entry point.

Just as with any destination, you'll want to purchase travel insurance before your trip. South Africa has some unique risks around crime and safety that make travel insurance especially important. While there is no reason to be apprehensive about visiting South Africa, you want to be prepared for every eventuality — and travel insurance will help give you that peace of mind.

Health & Safety in South Africa

Relative to other popular tourist destinations, the crime rate in South Africa is fairly high. Incidents that involve tourists include muggings, robberies, carjackings, and so called smash-and-grab attacks.

South Africa has lots of informal settlements known as townships. It is unwise to visit these areas if you are not accompanied by a person who is familiar with them. In general, don’t explore on foot after dark, and never display or carry lots of cash or valuables. While the crime rate is not a reason to avoid visiting the nation, you do need to be more cautious.

There are no vaccinations required to enter South Africa if you are traveling from the U.S. However, if you are originating from or transiting through a nation the WHO has designated as having a high yellow-fever risk, you’ll need to show proof of a yellow-fever vaccination. The CDC also recommends travelers be vaccinated for Hepatitis A and B, in addition to being up to date on all other routine vaccinations.

For travel tips and the most up-to-date information on South African health and safety, you should always consult the U.S. Department of State’s travel advisory for South Africa and the CDC’s health recommendations for U.S. travelers before your trip abroad.

South Africa is renowned for its wildlife, so if you’re heading out on safari, be sure to always stay with qualified guides and never stray off alone. Extreme weather events, such as floods and storms, can also happen, so check conditions with your local guide before you head out into the bush, especially if you plan to camp while on safari.

If you’re driving in South Africa, safety should be top of mind. Always drive with your doors and windows locked. The State Department also advises against relying solely on GPS for car journeys, as it can frequently take you via unsafe routes through townships. Research your route ahead of time, and ask for local advice if you’re unsure.

Insurance Benefits & Coverage for a Trip to South Africa

From medical-expense coverage and emergency medical transportation to protection in case of flight cancellations, travel delays, trip interruptions, and baggage delays, the best travel insurance plans include the same components.

Before you purchase South Africa travel insurance, you’ll want to read the policy wording carefully to make sure it covers all the areas below. That way you’ll be prepared — no matter what happens during your trip.

Trip cancellation and trip interruption insurance: Trip cancellation insurance reimburses your nonrefundable trip expenses if your trip to South Africa is canceled or cut short due to covered reasons, like illness, severe weather, or family emergencies. If you need more flexibility, you can usually opt to add on cancel for any reason (CFAR) insurance at an extra cost.
Travel medical insurance: Travel medical insurance covers emergency medical expenses that might come up during your South Africa trip. International travelers in South Africa commonly seek out private care if they have a medical emergency and need to see a doctor. This can be expensive, which means having travel health insurance is essential. (Keep in mind that if you fall ill, your health insurance from home will not be accepted in most cases.) If you have any preexisting medical conditions, you’ll also need to consider adding a waiver to your travel insurance policy.
Emergency medical evacuation insurance: Emergency evacuation coverage reimburses you for transportation to the nearest hospital or back to the U.S. in extreme or emergency situations. If you’re doing any adventurous travel, such as heading out on a multiday safari, emergency evacuation coverage is a good idea to have.
Baggage and personal belongings insurance: This covers loss, theft, or damage to your belongings — such as luggage and sporting equipment — should they go missing during your trip. Tourists in South Africa can be victims of robbery and theft, so this kind of coverage is essential for peace of mind.
Travel delay insurance: Trip delay insurance compensates for additional expenses if your trip is delayed before it starts or during any connections or transfers.

Not all trips to South Africa are alike. Especially designed for adventure travelers and off-the-beaten path explorers, Redpoint’s Ripcord is an extensive plan with high coverage limits and enhanced coverage.

If you’re primarily planning on sightseeing in Cape Town, Redpoint’s other travel insurance plans, Cavalry and Harbor, may be better options. Cavalry is particularly suited for urban travel and luxury cultural experiences; Harbor, on the other hand, offers robust coverage for the budget-minded leisure traveler.

You can buy travel insurance for a single trip to South Africa, or purchase an annual policy for multiple visits. For travel insurance costs and more information on insurance for South Africa specifically, check out our [TK page] and get a quote today

FAQ for South Africa Travel Insurance

Do I need travel insurance for South Africa?

While travel insurance is not mandatory to enter South Africa, it is highly recommended. It is a risk to travel anywhere without travel insurance, as you could wind up facing medical emergencies and unexpected medical expenses.

How much is travel insurance for South Africa?

The cost of trip insurance for South Africa varies, depending on the traveler’s age, the length of stay, and the level of coverage. Most of Redpoint's insurance plans for travel to South Africa range from 6% to 15% of total trip costs.

What should your travel insurance cover for a trip to South Africa?

A comprehensive travel insurance policy for South Africa should include emergency medical coverage (at least $100,000 to cover medical emergencies and unexpected costs), emergency medical evacuation, trip cancellations and interruption coverage, and baggage loss protection

You should also look for a policy with 24/7 assistance services, which all of Redpoint's policies offer.

Are there any COVID-19 restrictions for travelers to South Africa?

COVID-19 entry requirements for South Africa have relaxed in recent years, and travelers are no longer required to show proof of vaccination or a negative COVID-19 test to enter. However, if you are worried about a coronavirus infection upsetting your travel plans and causing you to cancel your trip, it may be a good idea to add cancel for any reason (CFAR) coverage to your travel insurance policy.

What happens if a tourist gets sick in South Africa?

If you get sick in South Africa, there are numerous options for medical treatment, especially in major cities, like Johannesburg, Cape Town, and Durban, which have well-equipped private hospitals and clinics. Many of these facilities offer a high standard of medical care and have English-speaking staff, though private care can be expensive.

If you travel to more remote or rural areas, high-quality care can be harder to find. It’s advisable to have travel insurance with emergency medical coverage for any potential healthcare costs. Redpoint's 24/7 assistance line can provide help and guidance at +1-415-481-0610.

Are the hospitals good in South Africa?

Yes, South Africa has many high-quality private hospitals that provide a good standard of care, particularly in major cities and tourist areas. These private facilities often meet international standards, with well-trained doctors and advanced medical equipment.

However, public hospitals can be more basic, with longer wait times and fewer resources. As a result, most travelers choose private hospitals when they seek medical assistance, so having travel insurance to cover private healthcare costs is recommended.

What documentation is needed to visit South Africa?

U.S. citizens need a valid passport to enter South Africa, and it should be valid for at least six months beyond the date of entry. South Africa typically does not require a visa for tourism stays of up to 90 days.

However, you will need at least two consecutive blank pages in your passport for entry and exit stamps. Make sure to have a return or onward ticket, as immigration may ask to see it upon arrival.

Is South Africa safe to visit?

South Africa is generally safe to visit, especially in popular tourist areas. However, the wealth inequality of South Africa is very extreme, which means that some violent crimes, including theft, robbery, and so-called "smash and grabs" are more widespread than in other countries.

Some areas in cities can also be more dangerous for tourists, so seek out informed local guidance — and listen to local authorities — about where to go and where to avoid. The U.S. State Department recommends avoiding the central business districts of major cities after dark.

Is South Africa safe for female travelers?

South Africa is generally safe for female travelers, but like in many destinations, it’s wise to take precautions. Solo female travelers should avoid walking alone at night, particularly in isolated or unfamiliar areas, and opt for taxis or private vehicles late at night instead of public transportation.

How do I contact the U.S. Embassy in South Africa?

If you need assistance while in South Africa, the U.S. Embassy is located in Pretoria, with consulates in Johannesburg, Cape Town, and Durban. You can contact them via the address and phone number below:

877 Pretorius St, Arcadia, Pretoria

Tel: +27 (0) 12-431- 4000

Get Coverage From Redpoint

Redpoint is known for its comprehensive and easy-to-understand international travel insurance policies, which can suit any type of trip, from wine tasting in the Cape to thrilling safari expeditions. Explore our policy options — Ripcord, Cavalry, and Harbor — and get a quote today.

Giraffe, Entabeni Safari Reserve, Limpopo Province, South Africa.