Zambia: Travel Requirements, Health, and Medical Insurance

Updated: 2026-07-20 · by Viaje365 Editorial Team

Traveling to Zambia requires checking three things before buying your flight: the visa requirement based on your passport, the state of the local healthcare system, and travel insurance with adequate medical coverage. Zambia offers e-visa and visa on arrival for numerous nationalities; the exact process and cost depend on the traveler's passport.

On the health front, Lusaka has acceptable private care, while rural areas and national parks have limited medical access; malaria risk is relevant in most of the country. That's why it's worth traveling with active international medical insurance from day one, regardless of nationality or passport.

Capital
Lusaka
Currency
Zambian kwacha (ZMW)
Language(s)
['English (official)', 'Bemba, Nyanja, and other local languages']
Emergency
991 police; 992 ambulance; 993 fire department

Visa and health for travelers

Visa: Zambia offers e-visa and visa on arrival for numerous nationalities; the exact process and cost depend on the traveler's passport.

Health & travel insurance: Lusaka has acceptable private care, while rural areas and national parks have limited medical access; malaria risk is relevant in most of the country.

Visa and Entry Requirements

Zambia offers e-visa and visa on arrival for numerous nationalities; the exact process and cost depend on the traveler's passport. Before buying your flight, confirm the exact requirement with the Zambian embassy or office corresponding to your nationality, as rules change frequently.

Health, Hospitals, and Medical Insurance

Lusaka has acceptable private care, while rural areas and national parks have limited medical access; malaria risk is relevant in most of the country. In case of emergency, the contact number is 991 police; 992 ambulance; 993 fire department, although response and resource availability can vary by region.

Assist-365 covers hospitalization, COVID-19, and 24-hour medical assistance in Zambia; the code MEDALLOADV2023 gives a discount when quoting the plan.

Transportation and Currency

The official currency is the Zambian kwacha (ZMW). Cash in kwacha is necessary outside tourist areas; cards are accepted at major hotels and lodges in Lusaka and Victoria Falls.

When to Travel

Between May and October, during the dry season, ideal for safaris; Victoria Falls has higher water flow between March and May.

Travel checklist for Zambia

Quick list based on this guide's real data (not generic) before traveling to Zambia.

Frequently Asked Questions

Do I need a visa to travel to Zambia?

It depends on your passport: numerous nationalities can arrange e-visa or visa on arrival; confirm the exact requirement before traveling.

What is the emergency number in Zambia?

The contact number for emergencies in Zambia is 991 police; 992 ambulance; 993 fire department. With active travel insurance, you also have access to a 24-hour medical assistance line independent of the local number.

Does the KAZA UniVisa exist for Zambia and Zimbabwe?

Yes, several nationalities can obtain a combined visa (KAZA UniVisa) valid for entering and exiting between Zambia and Zimbabwe, useful for visiting Victoria Falls from both sides.

What currency should I use in Zambia?

The official currency is the Zambian kwacha (ZMW). It's worth checking in each case whether cards are widely accepted or if it's better to carry cash, depending on the area of the country visited.

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