Do I need trip insurance?

It is a condition of booking, that the sole responsibility lies with the guest to ensure that they carry the correct comprehensive travel and medical insurance to cover themselves, as well as any dependants/traveling companions for the duration of their trip to Southern Africa. This insurance should include cover in respect of, but not limited to, the following eventualities: cancellation or curtailment of the safari, emergency evacuation expenses, medical expenses, and repatriation expenses, damage/theft/loss of personal baggage, money and goods.