Kenya — Insurance

Buy a policy that includes medical evacuation — road traffic accidents are the top tourist risk, and serious trauma care means Nairobi's private hospitals, which demand proof of cover or payment upfront. Safari-goers can cheaply add a local flying-doctor evacuation membership covering airlift from remote areas back to Nairobi.

Sexual-health infrastructure is extensive because of Kenya's long HIV programme: voluntary counselling and testing (VCT) sites offer free or near-free HIV tests nationwide, PEP is available within 72 hours at major hospitals and many private clinics, and PrEP is in the public system. HIV prevalence in sex-work networks is high — condoms are non-negotiable, and carrying your own trusted brand beats relying on bar vending machines.