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Cover when using Forgin Travel Agent

I am planning on booking to go to Africa with a South African Travel agent. Obviously this will not be covered by ATOl/ABTA etc as not form the UK and costing best part of £10000

Has anyone done anything similar? If it is all on my VISA card is ito 100% covered for any problems?

Are there any stand alone insurance policies I can take that would cover everyhing?
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