Assessment of Current Practices Contribution and Challenges of Tourism Insured in Ethiopia
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Date
2021-02
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Addis Ababa University
Abstract
Tourism insurance, which refers to a type of insurance that covers the costs and loses associated
with traveling. It is usefull protection for those travelling domestically or abroad. It plays an
important role in tourism development in many countries. Nonetheless, its practice and
contribution to tourism development in Ethiopia is hardly researched. Hence, it is imperative to
examine this overlooked theme in an Ethiopian context. The purpose of this study is to
investigate the current practices, contribution and challenges for the wider application of
tourism insurance in Ethiopia. This study is a survey type and was carried out by analyzing
qualitatively the collected data from insurance companies managers, tourists and tourism
suppliers such as tour operators and, travel agency managers found in Addis Ababa. The
research participants were selected using a purposive sampling method. A total of 14
respondants in-depth interviews were conducted with respondents from insurance companies as
well as travel agencies. The results of the study show that the most important factors affecting
the role of tourism insurance in tourism development are the insufficient development of tourism
resources in the area, lack of financial resources, poor general infrastructure and lack of
awareness. The current practices of tourism insurance and its contribution for tourism
development in Ethiopia are also revealed in this study. It is concluded that the practice of
tourism insurance is currently low. Hence, it is recommended that tourism insurance operating
in the tourism sector should be encouraged to provide sufficient insurance packages to tourism
service providers as well as tourists, both domestic and internationals. The study also paves the
way for future interested researchers to conduct a thorough on the role of tourism insurance in
the development of tourism by applying rigorous quantitative techniques.
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Keywords
Tourism insurance, Tour operators, Tourism suppliers, Ethiopia