It’s important to get the right level of Ethiopia insurance before you travel or begin operations there. Inter-tribal conflict, border disputes, poor infrastructure and healthcare can present problems to the visitor. Any Ethiopia insurance plan needs to take this into account and may need to include specialist cover for high risks areas.

Ethiopia– quick facts

  • There is a high threat of kidnapping in the Somali region
  • International health insurance in Ethiopia is essential, along with cover for emergency evacuation
  • Terrorist attacks have been threatened throughout Ethiopia
  • Road travel can be hazardous due to poor maintenance, safety standards and the risk of banditry outside the capital city

Get the right insurance for Ethiopia


  • Specialist Ethiopia insurance can include protection for personnel, property, vehicles, equipment, and crews and cargoes for maritime and logistics operations
  • We can cover your business liabilities and help you to understand and meet contractual and local insurance obligations

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  • Due to poor infrastructure, healthcare and the risks to personal security, specialist Ethiopia insurance is strongly advised for visitors and expats
  • We can cover you for life, personal accident, personal disability, medical emergencies, evacuation and other specialist insurance needs

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Potential risks in Ethiopia

Africa’s oldest country is a land of dramatic varied landscapes and fascinating history, yet it is best known for the tragedy of its droughts, famines and war with Eritrea. It is currently regarded as one of Africa’s more stable states though it continues to be one of its poorest.

The FCO advice is against travel to many of the country’s border areas due to on-going military activity, inter-tribal conflict and border disputes. The Eritrean border is particularly volatile, and the Somali, Sudanese and Kenyan borders are also very dangerous. Gambella in western Ethiopia should also be avoided.

Workers and tourists have been targeted for kidnap in the north-east Somali region. Travel here is against FCO advice so specialist Ethiopia insurance is necessary, possibly with kidnap and ransom cover included.

The Somali based terrorist group, Al Shabaab, are known to be targeting Addis Ababa and other parts of the country. In October 2013 a bomb killed two people in the capital. Political demonstrations can turn violent and should be avoided. Keep up to date with the local security situation and be prepared to leave the area if things deteriorate.

Although violent crime is relatively rare, petty theft and mugging is on the rise in Addis Ababa. The healthcare system is wholly inadequate by western standards and comprehensive international medical insurance in Ethiopia is strongly advised and must include cover for emergency evacuation and repatriation.

For advice for companies talk to us. For individual policies get a quote.

Latest advice from the FCO

The FCO advise against all travel to some border areas of Ethiopia. Be aware of the risk of banditry if you travel outside the capital. Take out comprehensive travel and medical insurance before you travel.

Latest FCO Advice