What are the best travel insurances for Namibia in 2025?

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A. Fruchard
A. Fruchard
updated on July 16, 2025
Table of Contents
  • The best travel insurance plans for Namibia
  • Is it currently safe to travel to Namibia?
  • Is travel insurance required by law to enter Namibia?
  • Why take out travel insurance for Namibia?
  • Travel Insurance for Namibia: What It Should Cover
  • The cost of travel insurance for Namibia
  • How to Pay Less for Your Travel Insurance to Namibia
  • Can I rely on my current insurance to cover me in Namibia?
  • FAQ
  • On the same topic
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Travel insurance for Namibia: key takeaways

1. Definition: Travel insurance for Namibia covers medical emergencies, trip cancellation, and other unforeseen travel disruptions.
2. Key protection: Travel insurance covering the entire duration of stay is mandatory for US citizens applying for an e-visa.
3. Healthcare cost: Private healthcare is costly; a hospital night can exceed $500, excluding treatments or procedures.
4. Price: A one-week travel insurance plan for Namibia typically costs between $40 and $80.
5. Good to know: Ensure your policy includes medical evacuation, as quality healthcare is limited outside major cities.

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Why trust HelloSafe?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Namibia.

The best travel insurance plans for Namibia

Contract we recommendMedical reimbursement limitOur view
HelloTravel Premium$1.1MComprehensive plan for Namibia’s remote areas.
- high medical cover
- medical evacuation
- flexible for adventure travel
Cap Assistance 24/24$1.1MReliable for tourists traveling in Namibia.
- 24/7 emergency support
- strong medical protection
- cancellation option
Tourist Card$540KGood value coverage for most visitors.
- solid health protection
- emergency help
- clear claim process
Travel Pass Monde$750KBalanced policy ideal for exploring Namibia.
- covers hospital costs
- repatriation
- broad guarantee package
Globe Partner$325KSolid option for long stays and basic care.
- essential medical benefits
- repatriation cover
- civil liability
Globe Traveller$540KAccessible for short, low-risk trips.
- rapid reimbursement
- basic health cover
- straightforward terms
Comparison of recommended travel insurance contracts for Namibia.
HelloTravel Premium
Medical reimbursement limit
$1.1M
Our view
Comprehensive plan for Namibia’s remote areas.
- high medical cover
- medical evacuation
- flexible for adventure travel
Cap Assistance 24/24
Medical reimbursement limit
$1.1M
Our view
Reliable for tourists traveling in Namibia.
- 24/7 emergency support
- strong medical protection
- cancellation option
Tourist Card
Medical reimbursement limit
$540K
Our view
Good value coverage for most visitors.
- solid health protection
- emergency help
- clear claim process
Travel Pass Monde
Medical reimbursement limit
$750K
Our view
Balanced policy ideal for exploring Namibia.
- covers hospital costs
- repatriation
- broad guarantee package
Globe Partner
Medical reimbursement limit
$325K
Our view
Solid option for long stays and basic care.
- essential medical benefits
- repatriation cover
- civil liability
Globe Traveller
Medical reimbursement limit
$540K
Our view
Accessible for short, low-risk trips.
- rapid reimbursement
- basic health cover
- straightforward terms
Comparison of recommended travel insurance contracts for Namibia.
👉 Compare the best travel insurance for freeI compare

Is it currently safe to travel to Namibia?

As of June 2025, the US Department of State advises travelers to exercise increased caution in Namibia, with rising risks noted for crime, health, and travel logistics.

Here are their four main recommendations.

  • Security risks: urban areas in Namibia, such as Windhoek, have seen an increase in theft, muggings, and “smash and grab” incidents. Travelers should avoid walking alone at night and keep valuables secure, especially in tourist districts and on main highways.
  • Health risks: outside major cities, medical care is limited and may require up-front payment in cash for services. Malaria, hepatitis, typhoid, and yellow fever are prevalent, and medical evacuation can be difficult from Namibia’s remote parks and wilderness areas.
  • Legal requirements: a tourist visa is now required for US citizens, and proof of travel insurance must be presented on arrival, alongside proof of sufficient funds and accommodation. Failure to comply can result in denied entry or delays at the border.
  • Environmental hazards: Namibia’s remote roads are often poorly maintained and lack lighting, especially in rural regions like the Skeleton Coast. Road accidents are a leading cause of traveler injury, and emergency services may be slow to respond.

Travel insurance is mandatory to enter Namibia. It must cover at minimum medical care and repatriation costs, as these expenses can be significant in case of illness or accident during your stay.

Is travel insurance required by law to enter Namibia?

Yes, travel insurance is mandatory for US citizens to enter Namibia.

Travelers must present proof of travel and medical insurance on arrival, regardless of visa status. The insurance must cover medical expenses and repatriation for the full period of stay in Namibia. This requirement applies to all visitors as part of entry formalities at border crossings and airports.

Why take out travel insurance for Namibia?

Travel insurance is a legal requirement for visiting Namibia.

It is an essential financial and medical protection for anyone going to Namibia.

Namibia has limited health facilities outside major cities, and foreigners often depend on private clinics like Lady Pohamba Private Hospital in Windhoek, where fees must be paid upfront. Emergency care and ambulance services are scarce in remote areas, making costs unpredictable and high.

Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in case of a serious incident.

Here are some examples of healthcare costs in Namibia.

Example of medical treatmentCost at Lady Pohamba Private HospitalCovered by travel insurance
I have to be hospitalized 48 hours after contracting an infectionNAD 30,000 (USD 1,670)Up to 100% of eligible expenses
I broke my tibia (X-ray, cast, and crutch rental)NAD 22,000 (USD 1,220)Up to 100% of eligible expenses
I need to be repatriatedNAD 380,000 (USD 21,000)Up to 100% of eligible expenses
I have appendicitis (consultation and surgery)NAD 51,000 (USD 2,800)Up to 100% of eligible expenses
I have to be hospitalized 48 hours after contracting an infection
Cost at Lady Pohamba Private Hospital
NAD 30,000 (USD 1,670)
Covered by travel insurance
Up to 100% of eligible expenses
I broke my tibia (X-ray, cast, and crutch rental)
Cost at Lady Pohamba Private Hospital
NAD 22,000 (USD 1,220)
Covered by travel insurance
Up to 100% of eligible expenses
I need to be repatriated
Cost at Lady Pohamba Private Hospital
NAD 380,000 (USD 21,000)
Covered by travel insurance
Up to 100% of eligible expenses
I have appendicitis (consultation and surgery)
Cost at Lady Pohamba Private Hospital
NAD 51,000 (USD 2,800)
Covered by travel insurance
Up to 100% of eligible expenses

These prices are given as an indication and may vary depending on the facilities and regions.

It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.

Travel Insurance for Namibia: What It Should Cover

Main coveragesExplanations and recommendationsLegally required
🏥 Medical expensesCovers hospital, doctor, pharmacy in case of sickness or accident.
We recommend a minimum reimbursement limit of $100,000 for Namibia.
⚠️ Mandatory
🚑 Medical evacuation & repatriationCovers air/ground ambulance to a better equipped hospital or back to US in an emergency.
We recommend at least $150,000.
⚠️ Mandatory
🛏️ HospitalizationCovers room, treatment, and medical care in private clinics.
We recommend a minimum of $100,000.
⚠️ Mandatory
💉 Emergency assistance24/7 assistance hotline for emergencies or to find clinics.
Choose coverage with unlimited support.
⚠️ Mandatory
🎒 Baggage & personal effectsCovers theft, loss, or delay of your luggage.
Recommended minimum limit: $1,500 per trip.
🟠 Recommended
✈️ Trip cancellation/interruptionReimburses prepaid travel costs if you must cancel or cut your trip short.
Aim for at least $3,000 of coverage.
🟠 Recommended
⚖️ Personal liabilityThird-party damage or injury caused unintentionally.
We recommend at least $100,000 per claim.
🟠 Recommended
📄 Civil documents/legal helpLegal assistance and replacement of lost travel documents.
Useful in Namibia, limit of $2,000 minimum.
🟡 Optional
🏥 Medical expenses
Explanations and recommendations
Covers hospital, doctor, pharmacy in case of sickness or accident.
We recommend a minimum reimbursement limit of $100,000 for Namibia.
Legally required
⚠️ Mandatory
🚑 Medical evacuation & repatriation
Explanations and recommendations
Covers air/ground ambulance to a better equipped hospital or back to US in an emergency.
We recommend at least $150,000.
Legally required
⚠️ Mandatory
🛏️ Hospitalization
Explanations and recommendations
Covers room, treatment, and medical care in private clinics.
We recommend a minimum of $100,000.
Legally required
⚠️ Mandatory
💉 Emergency assistance
Explanations and recommendations
24/7 assistance hotline for emergencies or to find clinics.
Choose coverage with unlimited support.
Legally required
⚠️ Mandatory
🎒 Baggage & personal effects
Explanations and recommendations
Covers theft, loss, or delay of your luggage.
Recommended minimum limit: $1,500 per trip.
Legally required
🟠 Recommended
✈️ Trip cancellation/interruption
Explanations and recommendations
Reimburses prepaid travel costs if you must cancel or cut your trip short.
Aim for at least $3,000 of coverage.
Legally required
🟠 Recommended
⚖️ Personal liability
Explanations and recommendations
Third-party damage or injury caused unintentionally.
We recommend at least $100,000 per claim.
Legally required
🟠 Recommended
📄 Civil documents/legal help
Explanations and recommendations
Legal assistance and replacement of lost travel documents.
Useful in Namibia, limit of $2,000 minimum.
Legally required
🟡 Optional
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Important information

Travel insurance with comprehensive medical, hospitalization, and repatriation cover is a legal requirement for US tourists entering Namibia. The policy must be valid for the entire stay, with a minimum recommended coverage of $100,000 for health care. Proof of insurance in English is required for visa-on-arrival and all short-term visits.

Insurance from local Namibian providers or basic credit card coverage is often limited, with low reimbursement limits and many exclusions. It is safer to select a trusted insurer with full coverage. Find and compare the top offers on HelloSafe and subscribe online for instant certification.

The cost of travel insurance for Namibia

Trip durationTraveler’s ageIndicative price per person
1 week25 years old$48
2 weeks45 years old$66
1 month35 years old$97
1 month70 years old$185
1 week
Traveler’s age
25 years old
Indicative price per person
$48
2 weeks
Traveler’s age
45 years old
Indicative price per person
$66
1 month
Traveler’s age
35 years old
Indicative price per person
$97
1 month
Traveler’s age
70 years old
Indicative price per person
$185

These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.

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Good to know

The cost of travel insurance is influenced by several key elements: your age, the length of your trip, your destination, the level of coverage you select, and any add-ons like a cancellation option. Keeping these factors in mind is crucial for finding a policy that fits both your needs and budget.

💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.

👉 Compare the best travel insurance for freeI compare

How to Pay Less for Your Travel Insurance to Namibia

Here are some suggestions to optimize the cost of your travel insurance to Namibia while keeping good coverage:

CriteriaWhy it mattersExpert tip
🏥 Medical coverageMedical care in Namibia is limited, and medical evacuation is very expensive and often necessary.Select a plan with sufficient medical limits but avoid “top tier” unlimited packages if not required.
💳 Deductible levelChoosing a higher deductible lowers premiums, while Namibia’s main risks are medical or evacuation.Increase your deductible to lower costs, but balance this with how much you could afford to pay out-of-pocket.
🌍 Duration of coverageThe longer your trip, the higher the total premium. Namibia’s highlights can usually be visited in less than a month.Only insure the exact dates you are abroad. Avoid adding unnecessary buffer days before/after your trip.
🧑 Traveller’s ageAge impacts the cost with almost all insurers, especially for travelers above 60.Compare multiple insurers. Heymondo does not increase its prices for people over 62, which is an exception.
👫 Number of travelersInsuring as a couple/family can yield discounts and lowers per-person rates.Check for “family” or “group” policies to obtain volume discounts rather than purchasing individually.
🩺 Pre-existing medical conditionsCoverage may be limited or increase costs if declared, Namibia’s health system does not easily treat chronic illnesses.Declare only serious chronic conditions. Compare plans with flexible wording or specific exclusions.
💼 Activity coverageHigh-risk sports or safari activities might not be covered or may substantially raise the premium.Exclude adventure sports if not needed, or seek specific riders just for the days you need them.
Factors to consider when choosing travel insurance.
🏥 Medical coverage
Why it matters
Medical care in Namibia is limited, and medical evacuation is very expensive and often necessary.
Expert tip
Select a plan with sufficient medical limits but avoid “top tier” unlimited packages if not required.
💳 Deductible level
Why it matters
Choosing a higher deductible lowers premiums, while Namibia’s main risks are medical or evacuation.
Expert tip
Increase your deductible to lower costs, but balance this with how much you could afford to pay out-of-pocket.
🌍 Duration of coverage
Why it matters
The longer your trip, the higher the total premium. Namibia’s highlights can usually be visited in less than a month.
Expert tip
Only insure the exact dates you are abroad. Avoid adding unnecessary buffer days before/after your trip.
🧑 Traveller’s age
Why it matters
Age impacts the cost with almost all insurers, especially for travelers above 60.
Expert tip
Compare multiple insurers. Heymondo does not increase its prices for people over 62, which is an exception.
👫 Number of travelers
Why it matters
Insuring as a couple/family can yield discounts and lowers per-person rates.
Expert tip
Check for “family” or “group” policies to obtain volume discounts rather than purchasing individually.
🩺 Pre-existing medical conditions
Why it matters
Coverage may be limited or increase costs if declared, Namibia’s health system does not easily treat chronic illnesses.
Expert tip
Declare only serious chronic conditions. Compare plans with flexible wording or specific exclusions.
💼 Activity coverage
Why it matters
High-risk sports or safari activities might not be covered or may substantially raise the premium.
Expert tip
Exclude adventure sports if not needed, or seek specific riders just for the days you need them.
Factors to consider when choosing travel insurance.
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Important

Proof of travel/medical insurance is required for U.S. travelers to enter Namibia as of April 1, 2025. Ensure your policy covers medical emergencies, evacuation, repatriation, and is valid for all travel dates.

Can I rely on my current insurance to cover me in Namibia?

It is completely legitimate to wonder if your current coverage—like credit card insurance or your private health plan—can protect you during a trip to Namibia. Unfortunately, such coverage is often limited or not valid. For US travelers, travel insurance is required for entry to Namibia, as only it meets the embassy’s requirements.

Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceValid in Namibia?What it coversWhy Travel Insurance is better
Public health insurance (Medicare, Medicaid)No, neverNo coverage for medical care or evacuation abroad.Travel insurance covers $100,000+ for medical emergencies and evacuation.
Private health insurance (UnitedHealthcare, Aetna)Yes, partlyEmergency care sometimes reimbursed, but often max $2,500. Repatriation not included.Travel insurance covers $100,000+ incl. emergency evacuation and 24/7 support.
Classic credit card (Chase Freedom, Citi Simplicity, Capital One Platinum)Yes, partlyBasic travel accident, limited coverage below $5,000, no evacuation or cash advances.Travel insurance covers $100,000+ in medical and repatriation, trip and baggage issues.
Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige)Yes, partlyMedical expenses up to $50,000–$100,000 only for emergencies, strict conditions.Travel insurance includes trip cancellation ($5,000+) and support for local emergencies.
Comparison of insurance coverage for travel to Namibia.
Public health insurance (Medicare, Medicaid)
Valid in Namibia?
No, never
What it covers
No coverage for medical care or evacuation abroad.
Why Travel Insurance is better
Travel insurance covers $100,000+ for medical emergencies and evacuation.
Private health insurance (UnitedHealthcare, Aetna)
Valid in Namibia?
Yes, partly
What it covers
Emergency care sometimes reimbursed, but often max $2,500. Repatriation not included.
Why Travel Insurance is better
Travel insurance covers $100,000+ incl. emergency evacuation and 24/7 support.
Classic credit card (Chase Freedom, Citi Simplicity, Capital One Platinum)
Valid in Namibia?
Yes, partly
What it covers
Basic travel accident, limited coverage below $5,000, no evacuation or cash advances.
Why Travel Insurance is better
Travel insurance covers $100,000+ in medical and repatriation, trip and baggage issues.
Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige)
Valid in Namibia?
Yes, partly
What it covers
Medical expenses up to $50,000–$100,000 only for emergencies, strict conditions.
Why Travel Insurance is better
Travel insurance includes trip cancellation ($5,000+) and support for local emergencies.
Comparison of insurance coverage for travel to Namibia.
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Example

During a Namibian safari, Mark suffered a severe snakebite. The required air evacuation and anti-venom treatment cost $25,000. His Chase Sapphire card's insurance covered just $2,000, and his US health plan wouldn't pay for foreign medical transport, leaving him with a shocking $23,000 bill for the life-saving procedure.

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Expert advice

Always check the terms, exclusions, and limits of your existing insurance. Critical situations, like trip interruption for a relative's illness, may be excluded. Read the fine print carefully to avoid unpleasant surprises abroad. In all cases, it's safer and more reassuring to purchase dedicated travel insurance tailored to your trip.

FAQ

Do I need a visa to travel to Namibia?

Yes, if you are a U.S. citizen, a tourist visa is required to enter Namibia as of April 1, 2025. You can apply online in advance using Namibia’s official visa portal or obtain a visa upon arrival at major entry points. Make sure your passport is valid for at least 6 months beyond your planned departure.

How do I purchase travel insurance for Namibia?

Start by comparing travel insurance options using the HelloSafe travel insurance comparison tool. Carefully review what each plan covers, noting any exclusions that may apply to travel in Namibia, such as emergency evacuation or adventure activities. Buy your chosen policy securely online. Once your order is confirmed, you will receive your insurance certificate by email.

What should I look for in travel insurance for Namibia?

Choose a plan that covers at least $100,000 in emergency medical expenses and medical evacuation, as local facilities are limited. Make sure it includes coverage for trip cancellations, lost or stolen baggage, and delays. Check for 24/7 assistance so you can contact support in remote areas.

Will my U.S. health insurance cover me in Namibia?

Most U.S. health insurance plans do not provide coverage outside the United States, and Medicare is not accepted abroad. Even private insurance may only reimburse after you pay upfront. Comprehensive travel insurance covers overseas medical costs, emergency evacuation, and direct payment to local providers.

Are there any health precautions I should consider for Namibia?

Vaccinations against hepatitis A and B, typhoid, and rabies are strongly recommended. If you are arriving from a country with yellow fever, proof of vaccination is required. Malaria is present in some parts of Namibia, so consider anti-malarial medication and carry insect repellent. Medical care can be basic outside major cities.

What emergencies are covered by travel insurance in Namibia?

A good travel insurance plan covers medical emergencies, ambulance transport, hospital stays, prescriptions, and medical evacuation—often up to $500,000. It also covers non-medical situations such as trip cancellation, delays, and theft. Always read the policy to understand what is included and excluded for Namibia.

Do I need a visa to travel to Namibia?

Yes, if you are a U.S. citizen, a tourist visa is required to enter Namibia as of April 1, 2025. You can apply online in advance using Namibia’s official visa portal or obtain a visa upon arrival at major entry points. Make sure your passport is valid for at least 6 months beyond your planned departure.

How do I purchase travel insurance for Namibia?

Start by comparing travel insurance options using the HelloSafe travel insurance comparison tool. Carefully review what each plan covers, noting any exclusions that may apply to travel in Namibia, such as emergency evacuation or adventure activities. Buy your chosen policy securely online. Once your order is confirmed, you will receive your insurance certificate by email.

What should I look for in travel insurance for Namibia?

Choose a plan that covers at least $100,000 in emergency medical expenses and medical evacuation, as local facilities are limited. Make sure it includes coverage for trip cancellations, lost or stolen baggage, and delays. Check for 24/7 assistance so you can contact support in remote areas.

Will my U.S. health insurance cover me in Namibia?

Most U.S. health insurance plans do not provide coverage outside the United States, and Medicare is not accepted abroad. Even private insurance may only reimburse after you pay upfront. Comprehensive travel insurance covers overseas medical costs, emergency evacuation, and direct payment to local providers.

Are there any health precautions I should consider for Namibia?

Vaccinations against hepatitis A and B, typhoid, and rabies are strongly recommended. If you are arriving from a country with yellow fever, proof of vaccination is required. Malaria is present in some parts of Namibia, so consider anti-malarial medication and carry insect repellent. Medical care can be basic outside major cities.

What emergencies are covered by travel insurance in Namibia?

A good travel insurance plan covers medical emergencies, ambulance transport, hospital stays, prescriptions, and medical evacuation—often up to $500,000. It also covers non-medical situations such as trip cancellation, delays, and theft. Always read the policy to understand what is included and excluded for Namibia.

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A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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