Madagascar Risk Assessment Guide

Doing Business in Madagascar

One of the largest islands in the world, Madagascar is home to over 22 million people. Located off the coast of Africa in the Indian Ocean, the nation is extremely diverse with numerous ecosystems, flora and fauna. Madagascar is a relatively poor country, and many residents live below the poverty line. Its economy is centered on agriculture, tourism and trade.

The UK Foreign & Commonwealth Office (FCO) advises against all but essential travel to Andohahela, Montagne d'Ambre and Ankarana National Parks, and against all travel between Ambovombe and Ihosy on road RN13. 

There have been instances of rioting and political instability in Madagascar since 2009. Activity is often focused around elections, and the situation could affect security in and around larger cities. You should exercise caution while moving around the country, and maintain a low profile whenever possible.

Due to the risks present in Madagascar, you may want securing the appropriate international insurance prior to leaving your home country. Coverage can help limit the financial impact of life abroad.

  • Health
  • Safety & Security
  • Terrorism

Prior to leaving for Madagascar, you should contact your primary care physician to discuss any possible vaccinations or other preventative measures. Most medical facilities are only able to perform routine treatments and operations, and more serious ailments may require evacuation to nearby South Africa or other locations. 

On November 3, 2015, the CDC released an Alert – Level 2 for travel to Madagascar due to 9 reported cases of polio. Polio is a disease that attacks the nervous system and is spread by person-to-person contact. The CDC recommends all travelers receive their polio vaccinations. 

Roughly six percent of the population in the country has syphilis. Deaths due to plague, spread by fleas, have also been reported in the town of Mandritsara and in the Ivongo and Ikongo regions. You should also only drink boiled or bottled water and avoid ice in drinks. 

Clements Worldwide offers GlobalCare® health insurance coverage. This policy includes USD 5 million in health care benefits, and allows you to choose any number of doctors across the world. Clements coverage enables  flexible payment plans, choice of deductible and optional War and Terrorism coverage. This coverage extends your policy to include illness or injury caused by an act of war and terrorism.

Due to the lack of advanced medical care, evacuation may be needed in some cases. An Emergency Evacuation and Repatriation insurance policy from Clements covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment within Madagascar.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Madagascar.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

In 2009, Madagascar underwent a political coup. Today, the situation remains unstable, and violence, rioting and protests could happen frequently. Rioting on the island of Nosy Be in early October 2013 led to the deaths of two Europeans and one Malagasy citizen.

A Personal Accident insurance policy from Clements protects your organization’s employees and their families' financial stability following an accident, regardless of whether it occurs on the job or during personal time. Coverage begins at USD 100,000 per person.

Road conditions across Madagascar can be inconsistent. You should drive with caution, and the rainy season between December and April can make some roads impassable. 

Clements offers international car insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad.

An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest.

There is a high threat of piracy in the waters surrounding Madagascar, and further out into the Indian Ocean and Gulf of Aden. A Maritime Security insurance policy ensures compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage and more efficient policy administration.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Madagascar.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

There is a low threat of terrorism in Madagascar. However, attacks may occur near locations often visited by expats and tourists.

On June 26, 2016, a grenade exploded outside a stadium in Antananarivo where people were celebrating Madagascar's independence, killing 2 and injuring 84 others.

In September 2013, a small bomb exploded at the Plaza Hotel on the Avenue de l'Independence in Antananarivo. A second unexploded device was found nearby. In 2012, explosions in the city were attributed to civil unrest, and some regions may be vulnerable to further attack.

A War and Terrorism insurance policy from Clements offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

Clements also provides a Kidnap and Ransom insurance policy, which ensures financial assistance following a kidnapping, such as independent investigations, negotiations and thearrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Madagascar.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions