Specialist Uganda insurance may be required if you plan to do business, visit or live in this beautiful country, known as ‘the Pearl of Africa’. Though Uganda largely enjoys political stability, there is a terrorist threat from Islamist groups based in Somalia, and a dangerous security situation in areas along the borders with DR Congo and Sudan. Meanwhile the north eastern region of Karamoja remains largely lawless.

Uganda insurance – quick facts

  • There is a risk of terrorism
  • Political demonstrations can become violent
  • International health insurance in Uganda is essential, along with cover for emergency evacuation
  • Road and ferry travel can be hazardous due to poor maintenance, driving standards and the risk of banditry and landslides in some regions

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  • Specialist Uganda insurance – can include protection for personnel, property, vehicles and equipment
  • We can help you to understand and meet contractual and local insurance obligations in Uganda 

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  • Due to poor infrastructure, medical facilities and the potential risks to personal security, specialist Uganda insurance is advised for visitors and expats
  • We can cover you for life, personal accident, personal disability, medical emergencies, evacuation and other specialist insurance needs, including kidnap and ransom cover

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Hazards you may encounter in Uganda

Following its independence in the 1960’s Uganda suffered for decades under the warring and notoriously brutal dictatorships of Milton Obote and Idi Amin. In 1986 Yoweri Museveni came to power and he has been largely credited with country’s progress towards prosperity and democracy.

Today much of Uganda is a safe prospect for foreign nationals, however it still has its potential dangers and hazards; specialist Uganda insurance may be required.

As is in most African countries, international health insurance in Uganda is vital. Make sure you have the required vaccinations prior to arrival and take strict precautions against malaria and waterborne disease. Serious injury or illness will require air ambulance evacuation to a country with up-to date medical facilities so make sure your Uganda insurance has this covered.

There is some risk of terrorist attack throughout the country. The capital Kampala has been the main target of the Al-Shabaab group, so be vigilant in public places.

Kampala is a relatively safe city as regards crime, though you should avoid overt displays of wealth, or carrying too much in the way of valuables. Since credit card crime is quite prevalent, advice is to use cash where possible. Make sure your Uganda travel insurance gives adequate protection to your personal possessions.

Road travel is frequently hazardous because of low road and vehicle maintenance and poor driving standards. For this reason, and the risk of banditry, it should be avoided at night outside of major towns.

Travel in northern Uganda can be very dangerous, especially near the border with southern Sudan and DR Congo. Tribal militias operate in the north eastern region of Karamoja, and visitors run the risk of being caught up in violence and even kidnapped.

Be warned that if you travel here against FCO advice, standard insurance will be invalid. There have been other potential flashpoints of conflict further down the DR Congo border, most notably on Lake Albert and near the Kivus region in the south west.

Gorilla trekking in Uganda’s national parks is a big draw for tourists. There have been occasional incidents of armed attack in the past, so visitors should only use reputable tour companies and not take part in any treks across the DR Congo border.



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Latest advice from the FCO

The FCO advise against all travel to specific regions. There is a high risk of terrorism and kidnapping in some regions. Take out comprehensive travel and medical insurance before you travel.

Latest FCO Advice