Last Revised: September 30, 2025.

Welcome to Travel Insurance For African Safaris (“Site”). By accessing and/or using and/or purchasing any products recommended through this Site, you are bound by these Terms and Conditions (“Terms”). If you do not agree with these Terms, please do not use the Site.

  1. Informational Purposes Only

All content on this Site is provided for informational purposes only and does not constitute legal, financial, medical, or insurance advice. This site is not licensed insurance brokers or agents. The Site does not endorse or guarantee any insurance product or provider. All information on this site is provided “as is” and can change at any time or not reflect changes that have recently been made. You are solely responsible for evaluating options, reading and understanding terms, and selecting final insurance coverage and should consult licensed professionals before making any decisions.

  1. Assumption of Inherent Risk and Limitation of Liability

By using this Site and engaging in travel-related activities, you acknowledge and accept that travel—particularly to destinations in Africa—carries inherent and sometimes unpredictable risks. These risks may include, but are not limited to:

  • Loss of life or serious bodily harm;
  • Injury resulting from standard or adventure tourism activities (e.g., hiking, boating, off-road excursions, wildlife viewing, etc.);
  • Contact with wild animals or exposure to natural hazards;
  • Medical emergencies in remote areas with limited access to care;
  • Delays, cancellations, or disruptions due to weather, infrastructure, or logistical issues;
  • Acts of God, including natural disasters, extreme weather, and unforeseen environmental events;
  • Civil unrest, war, terrorism, or government instability;
  • Theft, loss of property, or personal security incidents;
  • Health risks, including exposure to infectious diseases or lack of access to medications.

You understand and agree that no insurance product can fully protect against non-monetary losses, emotional distress, or the real-world consequences of these risks. The entire risk of travel is borne by the traveler, and the Site and its Operators assume no responsibility or liability for any harm, loss, or disruption that may occur.

By proceeding with travel plans and using this Site, you voluntarily assume all risks associated with your journey and release the Site and its Operators from any and all liability related to such risks.

  1. No Liability

The Site and its Operators (including owners, agents, employees, and assignees) make no warranties, express or implied, regarding the accuracy, completeness, timeliness, or reliability of the information provided. All insurance products and terms are subject to change with or without notice and vary by provider and jurisdiction. WE EXPRESSLY DISCLAIM TO THE FULLEST EXTENT UNDER THE LAW ALL LIABILITY FOR ANY DAMAGES, LOSSES, OR EXPENSES ARISING FROM RELIANCE ON THE SITE’S CONTENT, INCLUDING BUT NOT LIMITED TO:

  • Your Misinterpretation of coverage terms
  • Your Failure to purchase appropriate coverage
  • Your Denial of claims
  • Your Disputes with insurers
  • Your Medical costs incurred due to invalid or insufficient coverage or failure to properly disclose pre-existing medical conditions
  • Your Failure to properly prepare and submit application paperwork
  • Coverage terms and conditions that would have been more favorable for you

The foregoing list was not exhaustive and was for illustrative purposes only.

  1. No Warranty and No Suitability for Any Purpose

This Site and all content, materials, and services provided herein are offered “as is” and “as available” without any warranties of any kind, either express or implied. To the fullest extent permitted by law, the Site Operators disclaim all warranties, including but not limited to:

  • Implied warranties of merchantability,
  • Fitness for a particular purpose,
  • Non-infringement,
  • Accuracy, reliability, or completeness of content.

We make no representation that the information, products, or services described on this Site are suitable for your specific needs or circumstances. You assume full responsibility for evaluating the appropriateness of any insurance product or service before making a purchase or taking action.

No advice or information obtained from this Site shall create any warranty not expressly stated in these Terms. Your use of the Site is entirely at your own risk.

  1. Limitation of Monetary Liability

To the maximum extent permitted by law, this Site and its operators’ total monetary liability is limited to no more than the amount paid by you for any services rendered through the Site. All recourse for insurance-related issues must be directed to the insurance provider selected by you. In no case does this Site or its operators ever pay for your premiums, your payouts, your claims, or any other compensation whether monetary or otherwise due to your insurance coverage.

  1. Pre-Existing Medical Conditions

A pre-existing medical condition is defined as any illness, injury, or condition for which medical advice, diagnosis, care, or treatment was received or recommended prior to the effective date of the insurance policy. This includes conditions that manifested symptoms of whatever degree, even if not formally diagnosed.

You must disclose all pre-existing conditions when applying for insurance. Your failure to do so may result in denial of claims or voiding of the policy. Waivers for pre-existing conditions must be explicitly obtained from the insurer. The Site and its operators are not responsible for any consequences arising from non-disclosure or misunderstanding of pre-existing condition definitions.

  1. Medical Emergencies on Safari

In rare cases, a member of the traveling party may become ill or injured during a safari, and their insurance policy may be deemed void. In such instances, the affected individual will be transported to the nearest medical facility and will not be released until a licensed physician confirms it is safe to do so. The individual is responsible for all medical expenses incurred, including charges to any credit card on file. This clause applies regardless of fault and is intended to protect the Site and its Operators from liability in extreme circumstances.

  1. Arbitration and Governing Law

All disputes arising from or related to these Terms shall be resolved through binding arbitration administered by the American Arbitration Association (AAA). The arbitration shall take place in the Commonwealth of Virginia, at a location of the Site and its Operators choosing, and the losing party shall bear all costs associated with the arbitration process. These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law principles. Notwithstanding the foregoing, both parties agree to work through any difference through reasonable negotiation and mediation prior to using arbitration as a last resort.

  1. Third-Party Links

The Site may contain links to third-party websites or services that are not owned or controlled by the Site. These links are provided solely for convenience and informational purposes. We do not endorse, monitor, or assume any responsibility for the content, accuracy, legality, or practices of any third-party websites.

You acknowledge and agree that the Site Operators are not liable for any damages or losses resulting from your interaction with third-party websites, including but not limited to:

  • Exposure to malware, viruses, or other harmful code;
  • Phishing attempts or fraudulent schemes;
  • Misuse of personal or financial information;
  • Inaccurate or misleading content;
  • Unavailable or discontinued services.

We strongly recommend that you exercise caution when navigating away from this Site, verify the legitimacy of any third-party links, and ensure your devices are protected with up-to-date security software.

  1. Indemnification

You agree to indemnify, defend, and hold harmless the Site, its Operators, owners, affiliates, agents, contractors, successors, and assigns from and against any and all claims, liabilities, damages, losses, or expenses (including reasonable legal fees and costs) arising out of or in any way connected with:

  • Your use of the Site;
  • Your reliance on any content provided on the Site;
  • Your violation of these Terms and Conditions;
  • Your infringement of any intellectual property or other rights of any person or entity.

This indemnification obligation will survive the termination of your use of the Site.

  1. Changes to Terms

We reserve the right to update or modify these Terms at any time without prior notice. Continued use of the Site constitutes acceptance of the revised Terms.

  1. Contact

For questions regarding these Terms, please contact us at: joel@safarisamaritan.com

  1. Privacy Policy

We are committed to complying with all applicable privacy laws and regulations, including but not limited to the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and other relevant data protection frameworks.

By submitting any personal, financial, or medical information through this Site, you acknowledge and agree that such information may be collected, stored, processed, and used to the maximum extent permitted by law. This includes, but is not limited to:

  • Using submitted data to improve services, personalize user experience, and facilitate communication;
  • Sharing information with affiliated service providers or insurance partners for the purpose of fulfilling your requests;
  • Retaining data for legal, compliance, and operational purposes.

We reserve the right to use any information provided to us in ways that are lawful, beneficial to our operations, and consistent with our legitimate interests. While we take reasonable steps to protect your data, we cannot guarantee absolute security and are not liable for unauthorized access, disclosure, or misuse beyond our control.

By using this Site, you consent to this data usage policy and waive any claims related to the lawful use of your submitted information.

  1. Intellectual Property

All content, design elements, text, graphics, logos, images, software, and other materials displayed or made available on this Site are the exclusive property of the Site, unless otherwise expressly attributed to third parties. Where third-party content is presented, it is used with permission or under applicable legal allowances and remains the intellectual property of its rightful owner.

No license, express or implied, is granted to any user or visitor to reproduce, distribute, modify, transmit, reuse, or otherwise use any portion of the Site’s content, whether in part or in whole, for any commercial or non-commercial purpose without prior written consent from the Site or the applicable third-party rights holder.

Unauthorized use of any content from this Site may violate copyright, trademark, privacy, publicity, or other laws and is strictly prohibited.

  1. User Reviews and Feedback

Any reviews, comments, testimonials, suggestions, or other feedback submitted to or posted on this Site or posted to any third-party site, including also social media, about the Site—whether publicly visible or privately communicated—shall become the sole and exclusive property of the Site upon submission.

By posting or submitting any feedback, you grant the Site Operators an irrevocable, worldwide, royalty-free, perpetual license to use, reproduce, modify, publish, translate, distribute, and incorporate such feedback into any and all marketing, promotional, or operational materials, in any format or medium, without limitation and without compensation to you.

You expressly waive any rights of attribution or approval and acknowledge that your feedback may be used for commercial purposes. By submitting feedback, you confirm that you have the legal right to grant this permission.