International Travel Insurance in USD for Foreign Nationals, Expats, Locals & Families Across Africa
Mutual Life Africa Travel Insurance is a practical, affordable travel protection solution created for Africans traveling internationally, whether for business, tourism, education, family visits, religious pilgrimages, or medical reasons.
With rising global travel risks — from medical emergencies and trip disruptions to baggage delays and border entry requirements — travel insurance is no longer optional, it’s essential.
Mutual Life Africa offers flexible short-term and annual travel insurance packages, with policies that meet embassy and immigration requirements, and cover the most critical incidents travelers face abroad.
This product is open to all Africans, regardless of where they live — and is ideal for individuals, families, and frequent travelers across the continent.
Is Travel Insurance Necessary?
Yes, most countries now require you to have travel insurance, on top of that:
- Medical costs abroad can exceed $10,000 for minor incidents
- Hospitalization, surgery, or emergency repatriation can cost up to $500,000 without coverage
- Luggage delays, cancelled flights, and passport theft are increasingly common
- Most embassies now require proof of valid travel insurance for visa applications
- Without insurance, travelers risk denied care, border delays, and major out-of-pocket expenses
🌐 What Does It Cover?
Each plan includes comprehensive international travel protection, including:
✅ Emergency Medical Cover Abroad (up to $500,000)
✅ Medical Evacuation & Repatriation
✅ Trip Cancellation or Curtailment
✅ Lost or Delayed Luggage
✅ Missed or Delayed Flights
✅ Personal Accident Benefits
✅ Hospitalization & Emergency Care
✅ Optional COVID-19 Medical Add-On
✅ 24/7 Global Emergency Assistance
🛬 Flight Delay Coverage (All Plans)
If your flight is delayed for 6+ hours due to valid airline reasons such as:
Weather disruptions
Airline scheduling issues
Grounded aircraft
Airport closures
Mutual Life Africa will provide:
✅ Paid Hotel Accommodation for up to 2 nights (max USD limit varies by plan)
✅ Meal Allowance (included in some plans)
✅ Transport reimbursement to/from hotel where applicable
> 📌 Note: Only airline-verified delays are eligible. Self-inflicted delays or missed flights do not qualify.
Frequently Asked Questions (FAQs)
Any African citizen or resident, regardless of where they live or travel from.
Yes it is
The policy is only valid for the country it is issued for.
Yes. COVID-19 medical cover is available as an optional add-on.
Yes. Choose the Family Plan
No. We only require basic personal and travel information,
No. You must buy the policy before your trip begins.
Your policy documents are issued within 6 hours after payment.
Call our 24/7 global helpline. We’ll assist, arrange care, and reimburse claims quickly
How It Works
Step 1: Choose a Plan
- Pick between the 30-day Individual or Family plan, or the Annual Frequent Traveler package.
Step 2: Provide Travel Information
Submit your:
- Full name and ID/passport
- Travel dates and destination
- Names of family members (if applicable)
- No medical exam required
Step 3: Make a Secure Payment in USD
Use:
- 💳 Credit/Debit Card (Visa/Mastercard)
- 🏦 USD Bank Transfer (EFT/Wire)
- 📱 USD Mobile Money (select regions)
Step 4: Receive Your Documents
- Your full Policy Certificate, Emergency Contact Info, and Embassy Letter are sent instantly via email or WhatsApp.
Step 5: Enjoy Peace of Mind
- While You Travel
Your coverage activates from the first day of your trip.
Here what included in our travel insurance
1. Emergency Medical Expenses
- Covers emergency treatment and hospitalisation due to sudden illness or accidental injury while travelling. This includes doctor consultations, diagnostic tests, prescribed medication, and ambulance services.
2. Medical Evacuation & Repatriation
- If required, the plan covers transport to the nearest qualified medical facility or evacuation back to your country of residence. Includes repatriation of mortal remains in the event of death while travelling.
3. Trip Cancellation or Interruption
- Reimburses non-refundable travel expenses if your trip is cancelled or cut short due to a medical emergency, serious illness, death in the family, or other covered reasons.
4. Lost or Stolen Luggage
- Provides compensation for baggage that is lost, damaged, or stolen during your trip, including essential personal items.
5. Emergency Assistance
- 24/7 multilingual support line for emergency assistance, medical advice, referrals, document loss, or coordination with local authorities.
6. Travel Delay (Selected Plans)
- Covers accommodation for up to 2 nights if flights are delayed due to reasons such as weather disruptions or grounded flights. Terms and limits apply.
7. Accidental Death
- Pays a fixed lump sum benefit to your chosen beneficiary if death occurs due to an accident during your insured trip.
⚠️ Important Disclaimer:
Mutual Life Africa’s Travel Insurance does not cover travel that is taken specifically for the purpose of seeking medical treatment.
This includes pre-planned surgeries, chronic condition management, fertility treatments, or any form of medical tourism.
The cover is strictly for unexpected emergency medical events that occur while you are travelling.
🌍 Valid for:
- Personal or business trips (up to 30 days)
- African destinations (Africa Travel plans)
- Global destinations outside Africa (Global Travel plans)