Well, I'll take a stab at a response, although it's been three weeks since your post ....

I've used AIG Travel Guard a couple of times. (yeah, one of the "too big to fail" bailouts...). Bought policy off Insure My Trip website. It is a little overwhelming with all the choices.

Last policy was for a 12 Day trip to Botswana on a camping safari (including 2 days in Zimbabwe), and similar intra-Africa flights as you describe. It was in October 2008.

One of the most important things probably is the evacuation insurance. I have decent health insurance that covers me around the world (although I'd have to pay out of pocket and get reimbursed), but from what I've read, evacuation costs can easily get into the $100K's and I think that would be more burdensome for my health care plan to deal with.

I bought a policy with all the typical trip cancellation, trip interruption, bankruptcy, etc... with a $100,000 limit for evacuation.

It was not a "cancel for any reason" policy, but it did allow for my cancellation of the trip if either I, my travel partner, or any family member (not traveling) got ill or died.

It cost about $250. It will depend on your age and price of trip. I don't buy insurance for every trip, but think it was good for this one. The trip was expensive and I was in remote areas. Glad I didn't have to use it.