Policy Wording

The full legal document defining what a policy actually covers — benefits, limits, conditions, and exclusions. The marketing summary is not the wording; on safari-specific questions, only the wording counts.

Every coverage question on this site ultimately resolves the same way: read the policy wording. Sales pages say "adventure activities covered"; the wording says which ones, to what altitude, on what conditions, with what excess.

A 10-minute safari wording check

  • Search for "charter" and "scheduled" — the bush-flight test.

  • Find the hazardous activities list and check every booked activity by name.

  • Note the medical and evacuation limits and any altitude ceiling.

  • Check baggage per-item limits against your camera gear.

  • Get any ambiguity resolved by the insurer in writing before you buy.