Tanzania combines business travel, development work and remote field operations.
We provide specialist insurance for non-combatants working across Tanzania.
What's included
For field work, development programmes and remote travel in Tanzania, the right cover reflects the actual conditions of the work — not a standard leisure or business travel assumption.
Where risks can change
Outside major cities, access to care and infrastructure can become limited. That is where proper cover matters.
Country context
The situation
Tanzania is one of East Africa's more stable countries and a significant transit and base hub for regional operations. Dar es Salaam has good infrastructure, reasonable medical facilities and an established international community. The country has been significantly more politically stable than its neighbours.
The primary security concern for Tanzania is the spill-over from Mozambique's Cabo Delgado insurgency. The Mtwara region in southern Tanzania has experienced incursions by Ansar al-Sunna fighters and the government has conducted operations in this area. The risk has not reached Dar es Salaam but requires awareness for operations in southern Tanzania.
Zanzibar has experienced periodic Islamist-linked violence and political unrest. While largely peaceful for most international visitors, political tensions on the islands create a different risk picture from mainland Tanzania.
What to watch
Why it can be challenging
Mozambique insurgency spill-over in southern Tanzania
Ansar al-Sunna has conducted incursions into Mtwara region from Mozambique. Tanzanian security forces have responded, but the border area remains at elevated risk. Operations in southern Tanzania require specific threat assessment.
Zanzibar political and religious tensions
Zanzibar has experienced bomb attacks, political unrest and Islamist-linked violence in past years. The islands' political environment is distinct from mainland Tanzania and requires its own risk assessment.
Crime in major urban areas
Dar es Salaam has elevated rates of theft including vehicle theft, phone snatching and opportunistic robbery. International workers should be aware of personal and vehicle security measures.
Road safety in rural areas
Tanzania's rural road network includes many unsurfaced roads in poor condition. Night driving and overland travel in remote areas carry significant accident risk.
Can you get insurance for Tanzania?
We provide specialist insurance for non-combatants travelling to Tanzania for field work, development programmes and remote operational travel.
Cover depends on clear disclosure of where you are going, what you are doing and the conditions likely to affect the assignment.
Why this matters in Tanzania
Tanzania is not a conflict destination — but the conditions involved in field work, development programmes and remote travel here can be challenging in ways that standard insurance does not account for.
Distance from medical care, limited infrastructure and the practicalities of evacuation are real factors. Specialist cover reflects them.
Practical relevance
Cover for remote field work and operational travel in Tanzania where distance, infrastructure and medical access can all affect what support is available.
Cover for development programme staff and in-country teams working across Tanzania in locations away from major cities and established infrastructure.
Cover for researchers, assessors and consultants conducting field visits in areas where medical access and evacuation logistics present a real challenge.
Cover for NGO and operational staff on extended assignments in Tanzania where the duration and location of the work increase the need for proper protection.
Emergency support
NGS provides 24/7 support and can coordinate treatment, evacuation and onward care where required — especially important when the incident happens in a remote or less accessible location.
Continuity
Yes. Eligible personal accident benefits can continue after you return to your country of domicile, subject to the policy terms.
Exclusions
This policy protects people, not possessions.
Property exclusions
Activity exclusions
Cover not included
Threat intelligence
For a deeper understanding of the current situation, including operational risks and regional dynamics, see our threat intelligence hub.
Common questions
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