Applicants under 18 years old can also use a Zambia E-visa, but in charge of their parents. Although 18 years-old can use the Zambia E-visa but they can't apply it by themselves - this is not currently officially allowed by the government.
No. However, due to the increasing severity of the pandemic in 2019, it is highly recommended to purchase Covid-19 Insurance (Travel Insurance) in order to boost the visa process.
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