South Africa: what are the best travel insurance options in 2025?
- Assistance guarantee - medical repatriation
- Direct cover for hospitalisations longer than 24 hours
- Liability insurance private life
- Individual accident insurance
- Assistance guarantee - medical repatriation
- Direct cover for hospitalisations longer than 24 hours
- Liability insurance private life
- Individual accident insurance
The ACS Globe Partner Travel Insurance policy provides a comprehensive set of benefits designed to ensure security and financial coverage for travelers. A significant feature of this insurance is the excess, which is set at $100 per claim and per file across various benefits, including legal liability, medical expenses, and luggage claims. This ensures that policyholders bear a minimal out-of-pocket cost before the insurance coverage takes effect. The presence of a fixed excess amount simplifies the claims process, allowing travelers to anticipate their potential costs in case of an incident.
The maximum amount for essential medical costs covered under this policy is $300,000 per person per year, which includes expenses related to hospitalization, surgery, consultations, pharmacy needs, and paramedical care. The insurance covers 100% of actual costs for hospitalization and surgery, ensuring that policyholders do not have to worry about medical expenses exceeding their coverage limit. Additionally, emergency dental treatment is covered up to $300, while dental treatment following an accident extends up to $600, providing a sufficient level of protection for dental emergencies. Notably, students benefit from extended emergency medical coverage of up to $15,000 in their country of residence during school holidays, making this an attractive option for young travelers studying abroad.
The maximum trip duration for this insurance is structured in a way that allows flexibility for travelers. The policy can be subscribed to for a fixed term of up to 12 months and can be renewed twice, allowing for extended coverage up to a total of three years. However, renewal is contingent on maintaining continuous coverage without interruption. The insurance is specifically designed for travelers under the age of 40, which means it is particularly suitable for students, young professionals, and long-term travelers who require consistent coverage during their stays abroad.
The flight delay and cancellation compensation ensures travelers are not left out of pocket due to unforeseen travel disruptions. The insurance provides early return benefits if a policyholder must return home due to the death of an immediate family member, covering actual transport costs. In the event of hospitalization exceeding seven days, a relative or friend can be flown in, with expenses for transportation and accommodation covered up to $80 per night for a maximum of 8 nights. If travelers need to extend their stay due to medical reasons, the policy covers additional accommodation costs of $80 per night for up to 15 nights, ensuring financial security during unexpected health-related disruptions. Furthermore, medical repatriation and transport costs are fully covered, guaranteeing policyholders access to appropriate medical facilities when necessary.
The luggage cover provides compensation for personal belongings lost, stolen, or damaged during transit, with a maximum benefit of $1,150 per claim. This coverage applies specifically to luggage during the outward and return journey and includes reimbursement for theft, total or partial destruction, or loss during transport by a carrier. However, specific exclusions apply, including jewelry, electronic devices, professional equipment, musical instruments, food, and high-value items. The claim process requires supporting documents such as a police report, transport company loss statement, and purchase receipts. Compensation is calculated based on the replacement value with depreciation applied, ensuring a fair valuation for lost or damaged items.
Beyond these primary features, the policy offers several additional benefits that enhance its attractiveness. Legal liability coverage is provided, with $4.5 million for personal injury claims and $450,000 for property damage, ensuring strong protection against third-party claims during the trip. Coverage extends to objects entrusted to the policyholder during a traineeship or internship, with a compensation limit of $11,500, making this an appealing option for young professionals or students engaged in work placements abroad. Search and rescue costs are covered up to $3,000, providing security for those engaging in outdoor or adventure activities.
The policy includes legal assistance up to $3,000, and bail bond advances up to $7,000, offering financial support in case of legal troubles while traveling. Additionally, an advance of funds up to $700 is available in the event of theft or loss of payment methods, ensuring policyholders have access to emergency cash when needed. Funeral costs in the event of death are covered up to $1,500, while full repatriation of the body is covered at actual costs, providing peace of mind for loved ones.
In summary, the ACS Globe Partner Travel Insurance offers a well-balanced and comprehensive coverage plan tailored for young travelers, students, and professionals abroad. With reasonable excess fees, strong medical expense limits, generous trip duration allowances, extensive repatriation and assistance benefits, and reliable luggage protection, it provides solid protection in various travel scenarios. The addition of legal liability coverage, emergency fund advances, and search and rescue costs further enhances its appeal, making it a strong contender for travelers seeking dependable and extensive travel insurance coverage.
- Intuitive Heymondo app
- Registration in English
- Guaranteed refund
- Up to 49 years
- Intuitive Heymondo app
- Registration in English
- Guaranteed refund
Heymondo’s International Travel Insurance offers travelers a comprehensive and customizable coverage plan, ensuring peace of mind during both international and domestic journeys. One of the standout features of this policy is the absence of any deductible or excess, meaning that policyholders are not required to pay any out-of-pocket expenses before the insurance coverage takes effect. This feature simplifies the claims process and provides immediate financial relief in case of unforeseen events.
The policy provides substantial coverage for essential medical costs, with limits reaching up to $10,000,000 USD. This extensive coverage encompasses medical expenses incurred abroad due to sudden illness or accidental injury, including hospitalization, prescription medications, and inpatient physical therapy. Emergency dental treatments aimed at alleviating acute and sudden pain are also covered. Additionally, the insurance includes medical transportation and repatriation services, ensuring that policyholders can be safely returned to their home country if necessary. In cases where hospitalization extends beyond seven days, the policy covers travel and lodging expenses for a family member to accompany the insured, providing emotional support during challenging times.
Regarding trip duration, Heymondo’s policy is designed to accommodate various travel plans. For frequent travelers, the Annual Multi-Trip Travel Insurance covers all trips taken within a year, provided each trip does not exceed 60 days. This flexibility is ideal for individuals embarking on multiple journeys throughout the year, whether for leisure or business purposes. For those planning extended stays, the Long Stay Travel Insurance offers coverage for trips longer than 90 days, catering to long-term travelers, digital nomads, and individuals on assignments abroad.
In the event of travel disruptions, the policy offers compensation for flight delays and cancellations. If a trip is canceled due to covered reasons, such as a positive COVID-19 test or the serious illness or death of a close relative, the policy reimburses up to $7,000 USD for pre-paid, non-refundable expenses. This coverage must be purchased within seven days of the initial trip booking to be valid. For delays caused by public transport issues, the policy reimburses accommodation, meals, and refreshments, ensuring travelers are not left out-of-pocket due to unforeseen delays. Additionally, if a missed connection occurs due to the late arrival of an incoming flight, the insurance covers essential expenses, including the purchase of an alternative flight ticket if necessary.
The luggage coverage under this policy is designed to protect personal belongings against theft, loss, or damage. Policyholders are entitled to compensation of up to $2,500 USD in such events. In cases where checked baggage is delayed or misdirected by the carrier, the policy reimburses the purchase of necessary personal effects, ensuring travelers have access to essential items while awaiting their luggage. Furthermore, if official documents such as passports or visas are lost or stolen, the insurance covers the administrative expenses incurred for their replacement, alleviating the stress associated with such incidents.
Beyond these core features, Heymondo’s International Travel Insurance includes several additional coverages that enhance its appeal. Personal liability coverage of up to $2,000,000 USD protects against claims for bodily injury or property damage to third parties, including legal costs and expenses. The policy also offers compensation of up to $60,000 USD for accidental death or permanent disability resulting from incidents during the trip. For those planning to engage in adventure sports, an optional add-on extends coverage to activities such as white-water rafting, diving up to 20 meters, and bungee jumping, ensuring thrill-seekers are adequately protected. Additionally, coverage for electronic equipment is available, safeguarding valuable items like laptops, tablets, and cameras against theft or damage. The policy also addresses unforeseen events such as natural disasters, covering additional accommodation and transportation costs incurred during the trip due to events like floods, earthquakes, or hurricanes. For travelers renting vehicles, the insurance provides coverage for rental car excess up to $500 USD, offering financial protection against potential damages or theft of the rented vehicle.
To further enhance user experience, Heymondo offers a Travel Assistance App, providing 24/7 medical chat support, free online assistance calls, and efficient claims management, all accessible from the convenience of a mobile device. This app ensures that help is readily available, streamlining the process of seeking assistance and managing claims.
In summary, Heymondo’s International Travel Insurance stands out for its comprehensive coverage, absence of deductibles, and flexibility in accommodating various travel durations. The inclusion of extensive medical coverage, robust trip interruption benefits, generous luggage protection, and a suite of additional coverages makes it a compelling choice for travelers seeking reliable and extensive insurance protection. The user-friendly Travel Assistance App further enhances the policy’s attractiveness, ensuring that support is always within reach, no matter where the journey leads.
- Renewal possible
- Cover for sports included
- Covid guarantee
- 24/7 assistance
- Cancellation insurance optional
- Renewal possible
- Cover for sports included
- Covid guarantee
- 24/7 assistance
- Cancellation insurance optional
The Chapka Cap Assistance 24/24 Travel Insurance offers a well-rounded and extensive package designed to provide financial security for travelers in various situations. A fundamental aspect of this insurance is the excess, which applies to specific claims, ensuring that policyholders share a portion of the costs before receiving compensation. Although the exact amount of the excess is not explicitly detailed in every section, the policy states that for medical expenses abroad, the insured must first use any available national healthcare coverage before additional expenses are reimbursed. This ensures that policyholders maximize existing benefits before claiming through the travel insurance, making it a practical option for those who already have partial coverage. In the event of a claim, prior authorization from the assistance center is required, which helps manage costs and streamline the reimbursement process.
A key feature of this policy is the coverage for essential medical costs, which varies depending on the geographical region. In Zone 1 (Europe, Israel, Morocco, Tunisia), coverage extends up to $100,000 per insured person. In Zone 2 (Worldwide excluding specific high-risk countries), the limit increases significantly to $500,000 per insured person, while for Zone 3 (including high-cost countries like the USA, Canada, Thailand, Mexico, India, and Indonesia), the maximum coverage reaches $1,000,000 per insured person. This coverage includes hospitalization, surgery, paramedical care, consultations, and emergency prescriptions, ensuring that travelers have financial security in case of unexpected medical events. Additional benefits include emergency dental care up to $300 per person, along with search and rescue costs up to $10,000 per person and $30,000 per event, which can be particularly useful for travelers engaging in adventure or outdoor activities.
Regarding maximum trip duration, this insurance policy covers trips lasting up to 90 consecutive days. This limitation ensures that the policy is best suited for short- to medium-term travelers rather than those planning long-term stays abroad. Any trip exceeding 90 days is not covered, meaning policyholders looking for extended coverage beyond this period would need to explore alternative long-term insurance options. This makes the policy ideal for frequent travelers, digital nomads on short-term stays, and students or professionals on temporary assignments abroad.
The flight delay and cancellation compensation provided under this policy is structured to offer financial relief in cases of significant travel disruptions. For flight delays, compensation of up to $250 per insured person is available if a scheduled flight is delayed by more than four hours (for standard flights) or six hours (for charter flights). In the case of a missed flight, policyholders are reimbursed 80% of the total cost of the original ticket, up to a maximum of $8,000 per person. Additionally, for a missed connection due to a delay of more than six hours, the insurance covers accommodation, meals, and transfer costs up to $100 per insured person, ensuring that travelers are not left stranded due to circumstances beyond their control.
The luggage cover ensures protection against theft, total or partial destruction, or loss during transport by an airline or transport company, with compensation reaching a maximum of $3,000 per insured person. This is particularly valuable for those carrying expensive items, as it provides significant reimbursement in case of loss or damage. Precious objects, including electronics and jewelry, are covered up to 50% of the total luggage cover, meaning a maximum of $1,500 per insured person. In addition, compensation for delayed baggage is available, offering up to $300 per insured person for essential purchases in the event of a delay. Further financial protection is offered through the reimbursement of travel document restoration costs, up to $150 per insured person, providing peace of mind in the event of passport or ID loss.
Beyond these core features, the policy includes a range of additional benefits that further enhance its value. Personal liability insurance abroad is covered up to $4.5 million per event for bodily injury and $300,000 per event for property damage, ensuring strong protection against third-party claims. Legal expenses abroad are covered up to $20,000 per litigation case, offering travelers financial support in legal disputes that may arise during their trip. Trip interruption coverage provides reimbursement of unused ground services, up to $7,500 per person and $35,000 per event, ensuring that unforeseen situations requiring an early return do not result in substantial financial losses.
For those traveling with pets, the policy offers return ticket reimbursement of up to $250 per event, covering expenses related to bringing pets home in case of repatriation. Additionally, sports equipment protection ensures reimbursement of up to $300 per event for stolen or damaged equipment, making it a suitable option for travelers engaged in sports activities. Home assistance coverage is also available in case of incidents at home while traveling, including emergency accommodation costs up to $80 per night for up to five nights.
In conclusion, the Chapka Cap Assistance 24/24 Travel Insurance offers well-balanced and extensive coverage for short- to medium-term travelers, providing strong medical expense benefits, flexible trip duration options, robust travel disruption compensation, and generous luggage protection. The inclusion of high personal liability coverage, legal assistance, trip interruption compensation, and additional covers for pets and sports equipment further strengthens its appeal. While the 90-day trip duration limit may not be ideal for long-term travelers, this policy remains an excellent choice for holidaymakers, business travelers, students, and digital nomads looking for extensive and reliable insurance coverage during their trips.
- Access to Telemedicine (online doctor)
- Coverage for quarantine of $1,000
- 24/7 assistance
- COVID-19 cover
- Access to Telemedicine (online doctor)
- Coverage for quarantine of $1,000
- 24/7 assistance
- COVID-19 cover
The MondialCare World Travel Insurance policy provides a broad and well-structured range of benefits for travelers, ensuring financial security across multiple aspects of their journey. A key component of this policy is the excess, which is applied to medical reimbursements and other claims. For medical expenses incurred abroad, a $50 deductible is applied per claim, ensuring that travelers contribute a manageable amount before the insurer covers the remaining eligible expenses. This excess remains relatively low compared to many other travel insurance policies, making it accessible while maintaining substantial protection.
The maximum amount of essential medical costs covered varies depending on the circumstances and the traveler’s location. The policy offers comprehensive medical and hospitalization coverage, ensuring that necessary treatment, hospitalization, and specialist care are provided without undue financial burden. Medical repatriation costs are fully covered, allowing insured individuals to be transported to an appropriate medical facility if required. Additionally, emergency dental care is covered up to $250, ensuring financial relief for unexpected dental issues during travel. Another standout feature is the advance payment for hospital expenses, which allows for direct payment to healthcare facilities instead of requiring policyholders to pay upfront and wait for reimbursement. This is particularly beneficial for those traveling to destinations with high medical costs.
The maximum trip duration under this policy is set at 90 days per trip, making it suitable for short- to medium-term travelers, including tourists, business travelers, and expatriates on temporary assignments. Coverage applies worldwide, with the policy catering to individuals traveling for leisure, work, or study. However, it does not automatically renew, requiring policyholders to extend coverage manually if they plan to travel beyond the initial insured period. The 90-day limit ensures that coverage remains adaptable to most travel needs while maintaining strong protection for extended stays abroad.
The flight delay and cancellation compensation under this policy provides essential financial support in cases of travel disruptions. Compensation of up to $250 per insured person is granted for flight delays exceeding four hours for scheduled flights and six hours for charter flights. If a traveler experiences a missed connection due to a delay exceeding six hours, the insurance covers additional accommodation, meals, and transfer costs up to $100 per insured person. Additionally, if the insured is denied boarding due to overbooking or temperature-based health screenings, a fixed compensation of $50 is provided. In the case of trip cancellation, the policy covers 100% of ticket costs due to medical emergencies, visa rejections, serious damage to the insured’s home, or the death of a close family member, ensuring financial protection against unforeseen events. However, cancellations due to strikes or carrier-related issues are excluded, limiting its applicability in certain situations.
The luggage cover provides extensive protection for travelers’ personal belongings, offering compensation of up to $3,000 per insured person in case of theft, loss, or damage. Valuables, including electronics, jewelry, and watches, are covered up to 30% of the total luggage allowance, ensuring that travelers carrying high-value items receive adequate compensation. Additionally, baggage delays exceeding 24 hours qualify for reimbursement of up to $250 to cover essential replacement items such as clothing and toiletries. Loss of travel documents, including passports and visas, is covered up to $150, facilitating swift replacement in the event of theft or misplacement.
Beyond these fundamental features, the policy includes several additional benefits that further enhance its attractiveness. Personal liability coverage is extensive, with a limit of $4.5 million per event for bodily injury claims and $300,000 for property damage, ensuring strong protection against third-party claims. Legal assistance of up to $20,000 is available to support insured individuals in legal disputes while abroad. Search and rescue operations are covered up to $5,000, providing essential financial aid for travelers engaging in adventure activities or remote-area travel.
Further benefits include trip interruption coverage, which reimburses up to $7,500 per insured person and $35,000 per event for unused travel expenses due to emergencies requiring an early return. Psychological assistance is also provided in the event of severe trauma or injury, covering consultation costs with a licensed psychologist. Additionally, evacuation due to political unrest or natural disasters is covered, ensuring travelers can return home safely in case of unexpected events in their destination country.
Overall, the MondialCare World Travel Insurance policy offers a well-balanced and extensive coverage plan, making it an excellent choice for short- to medium-term travelers looking for strong medical coverage, comprehensive trip protection, and generous baggage compensation. The inclusion of high personal liability limits, legal assistance, search and rescue benefits, and trip interruption compensation enhances its value, ensuring that policyholders have access to one of the most adaptable and reliable travel insurance options available. The combination of moderate excess, strong medical benefits, flexible trip duration, and broad additional protections ensures that travelers can embark on their journeys with confidence, knowing they have robust and comprehensive travel insurance coverage.
- Reimbursement for accommodation after a blockage abroad
- Aftercare after repatriation in Ireland
- Replacement vehicle (abroad)
- Tow truck in Ireland
- Pre-existing conditions
- Exclusions relating to the condition and use of the car
- Reimbursement for accommodation after a blockage abroad
- Aftercare after repatriation in Ireland
- Replacement vehicle (abroad)
- Tow truck in Ireland
This policy offers comprehensive coverage for travelers seeking financial protection and assistance for various travel-related risks. One of the fundamental aspects of this policy is the excess, which varies depending on the level of coverage selected. The Bronze plan has an excess of £100 (£150 for personal liability claims), while the Silver plan reduces it to £75, and the Gold plan further lowers it to £50. The excess applies to each insured person, per section, and per claim, which means that multiple claims during a single trip could lead to multiple excess deductions. This ensures that policyholders contribute a minimal amount toward claim costs, helping to keep premiums lower while still providing substantial coverage.
A standout feature of this policy is its emergency medical and associated expenses coverage, which offers substantial financial protection in case of illness, injury, or accidents while traveling. The Bronze plan covers up to £2 million, while the Silver plan increases this limit to £5 million, and the Gold plan provides the most extensive coverage at £10 million. This covers hospital treatment, surgery, repatriation, and other necessary medical expenses. Additionally, inpatient benefits are included, offering £10 per day (up to £200) under the Bronze plan, £20 per day (up to £200) under Silver, and £20 per day (up to £500) under Gold, providing financial relief for extended hospital stays. Emergency dental treatment is covered up to £350 for Bronze and Silver and £500 for Gold, ensuring that travelers receive proper care for urgent dental issues. Furthermore, funeral expenses are covered up to £1,500 in Bronze and Silver and £5,000 in Gold, while search and rescue services are fully covered when deemed medically necessary.
The maximum trip duration varies depending on the coverage level and is designed to accommodate different travel patterns. This policy is specifically for short trips, covering travel periods of 31 days or less per trip across all plans. It is essential to note that there is no coverage for trips exceeding 31 days, even for the initial 31-day period, making this policy more suitable for frequent travelers who take multiple shorter trips rather than extended vacations. This restriction ensures that the policy remains tailored for typical holidaymakers and business travelers rather than long-term travelers or expatriates.
When it comes to flight delay and cancellation compensation, the policy provides substantial protection for disruptions that may impact travel plans. For delayed departure, the Bronze plan offers £10 for every 12-hour delay, up to £100, while the Silver plan increases this to £20 for the first 12 hours and £10 for each additional 12 hours, up to £250. The Gold plan provides the highest compensation, offering £30 for the first 12 hours and £15 for each additional 12 hours, up to £300. If a delay extends beyond 24 hours, travelers can claim trip abandonment compensation, covering £1,000 (Bronze), £2,500 (Silver), and £5,000 (Gold) for non-refundable expenses. Additionally, missed departure coverage is provided, with £500 (Bronze), £1,000 (Silver), and £1,500 (Gold) to cover alternative transportation and accommodation costs due to unavoidable delays.
The luggage cover ensures financial protection for lost, stolen, or damaged personal belongings. Under the Bronze plan, there is no personal possessions coverage, while the Silver plan provides up to £1,500 and the Gold plan increases this to £2,000. Single-item limits apply, capping coverage at £300 per item, while valuables (such as jewelry, watches, and electronics) are limited to £400 in both Silver and Gold plans. Additionally, compensation for delayed personal possessions is included, offering £50 (Bronze), £150 (Silver), and £200 (Gold) if baggage is delayed for more than 12 hours. Personal money coverage is also available, providing £500 coverage with a cash limit of £250 in both Silver and Gold plans. Loss of passport coverage ensures reimbursement for additional costs associated with replacing a lost or stolen passport, with £150 covered under Silver and £250 under Gold.
Beyond these primary benefits, the policy includes a range of additional features that make it highly competitive. Personal accident coverage provides financial compensation in case of severe injuries, offering £5,000 (Bronze), £15,000 (Silver), and £20,000 (Gold) for accidental death, loss of limbs, or permanent disability. Personal liability protection ensures that travelers are covered against third-party claims for bodily injury or property damage, with limits of £1 million (Bronze), £1.5 million (Silver), and £2 million (Gold). Legal expenses coverage further enhances protection, offering £5,000 (Bronze), £15,000 (Silver), and £25,000 (Gold) to assist with legal claims arising during travel. For travelers concerned about supplier insolvency, end-supplier failure protection is included exclusively in the Gold plan, covering up to £1,500 if a travel provider ceases operations.
Additional optional covers enhance the flexibility of this policy, making it suitable for different travel needs. Winter sports cover is available for an extra premium, providing compensation for ski equipment (£300 for owned, £300 for hired, with a £400 single-item limit), ski hire (£300), piste closure (£20 per day up to £200), and avalanche delays (£25 per day up to £250). Business travelers can opt for business cover, which includes replacement business associate cover (£750 in Silver and £1,000 in Gold) and business equipment protection (£300 in Silver and £500 in Gold).
Overall, the Allianz Annual Multi-Trip Travel Insurance policy provides a well-balanced and competitive travel insurance solution, offering strong medical coverage, essential travel disruption benefits, reliable luggage protection, and a wide range of additional covers. The flexible excess options, high medical expense limits, and comprehensive cancellation and baggage coverage make it a solid choice for frequent travelers who take multiple short trips per year. The inclusion of legal and liability protection, personal accident benefits, and supplier failure coverage in higher tiers enhances its appeal, ensuring that travelers have access to comprehensive and adaptable travel insurance protection tailored to various needs.
- Worldwide 24/7 medical assistance automatically included.
- Low baggage limit in basic coverage.
- No coverage for extreme sports unless added as an extra.
- Worldwide 24/7 medical assistance automatically included.
While Bryte Insurance offers a relatively high emergency medical coverage under its Top Up Plan 1, its travel insurance policy falls short in several critical areas. The basic coverage excludes vital protections such as baggage loss, trip cancellation, and hazardous activities unless you purchase additional top-up plans. Medical coverage for pre-existing conditions is limited or non-existent depending on the plan, and travelers over 74 face steep exclusions or minimal benefits, especially under the Exclusive Senior plan. Moreover, coverage for personal belongings is limited, with restrictive per-item caps (e.g., R500 for basic accidental baggage loss). The policy also requires a cumbersome pre-approval process for claims above R10,000. One positive feature is the availability of global 24/7 emergency medical assistance. And for all these reasons, that is why we do not recommend the travel insurance from Bryte Insurance.
- 100-day option for frequent travelers under 70 years old.
- Deductible not clearly stated
- Extreme sports and alcohol often excluded.
- 100-day option for frequent travelers under 70 years old.
While Staysure’s Expat Travel Insurance offers unlimited medical coverage and a fairly competitive $5,000 cancellation limit, its overall value is hampered by several shortcomings. The excess amount is not transparently disclosed, leaving policyholders unclear about out-of-pocket costs. Critical exclusions apply to hazardous sports, alcohol-related incidents, and pre-existing conditions unless declared and accepted. Furthermore, the limited trip duration—just 35 days for travellers aged 71 to 85—significantly reduces flexibility for older travellers. Despite its appealing $2,500 personal belongings cover, the intrinsic value clause can lead to low payouts for tech or luxury items. One notable strength, however, is the optional 100-day trip extension for younger policyholders, offering more travel freedom. And for all these reasons, that is why we do not recommend the travel insurance from Staysure.
- 24/7 international emergency medical assistance included
- Low valuables limit: only 5 000 R max
- Most optional protections require added cost
- 24/7 international emergency medical assistance included
Travelsure Travel Insurance provides broad international emergency medical cover up to R5,000,000, which can seem reassuring at first glance. However, the policy lacks depth in key areas. Trip cancellation protection is limited to just R20,000, and only under tightly defined circumstances with multiple exclusions. Coverage for personal belongings is modest, with low sub-limits: R2,500 per item and a mere R5,000 for valuables—barely enough to replace a smartphone or camera. The fixed excess of R500 per claim further erodes the value of compensation for minor incidents. Critically, many important protections, such as cover for adventure sports or comprehensive baggage delay, are not standard and must be purchased as extras. While the included 24/7 emergency support is a strength, the base plan alone does not offer robust protection for today’s diverse travel risks. And for all these reasons, that is why we do not recommend the travel insurance from Travelsure.
- Optional cover for infectious disease quarantine expenses
- Low personal item sub-limits (e.g., electronics)
- Emergency evacuation not separately itemized
- Optional cover for infectious disease quarantine expenses
Hollard’s travel insurance offers some level of protection, but significant limitations make it a less competitive choice. While the overall medical coverage seems adequate at R2,000,000, the policy lacks clarity on specific emergency evacuation amounts, grouping them into a broader “emergency medical” section. Conditions for trip cancellation and curtailment are very narrow, requiring specific named reasons, which severely restricts eligibility for reimbursement. Baggage protection is particularly underwhelming with a general limit of R15,000 and very low sub-limits for electronics, phones, and valuables. Additionally, a R500 excess applies to most claims, which may impact lower-value reimbursements. Essential services like broader emergency evacuation support or “Cancel for Any Reason” flexibility are not available or require add-ons. The only true advantage is the inclusion of optional quarantine expense benefits, which are increasingly relevant in a post-pandemic world.
- What are the essential coverages in travel insurance?
- How to reduce the cost of my travel insurance?
- How to find the best travel insurance for me?
- How am I currently covered (credit card, medical aid, and public healthcare)?
- Our guides
Did you know that the cost of hospitalization in the United States can reach $10,000 per day? A medical emergency, lost baggage, or flight cancellation can quickly turn your trip into a nightmare. Taking out travel insurance ensures peace of mind when facing unexpected situations.
Whether you’re going on holiday, moving abroad, travelling the world, or studying overseas, it’s essential to choose a policy that matches your needs. But how does travel insurance work? What coverage does it offer? How do you find the right protection at the right price?
At HelloSafe, we help over a million travellers every month compare travel insurance. Our experts have reviewed dozens of travel insurance plans available in South Africa to offer you a detailed comparison and advice tailored to the local market.
Travel insurance: key things to remember
- Mandatory? Travel insurance is not required in South Africa, but it may be compulsory for certain destinations (such as the Schengen Area, China, or Cuba). However, it is strongly recommended to protect yourself from unexpected costs abroad.
- Why take it out? It covers emergencies while travelling, such as medical expenses, emergency repatriation, trip cancellations, lost baggage, or personal liability.
- Price: The cost of travel insurance depends on your destination, trip duration, and chosen coverage. Expect to pay between ZAR 200 and ZAR 1,000 for a one-week trip, and ZAR 2,000 to ZAR 8,000 for an annual policy.
- Credit card coverage: Some credit cards (e.g. FNB Premier, Absa Gold) include basic travel insurance, but coverage is limited, especially for medical expenses and repatriation.
- Public hospitals abroad are not covered: most South African policies do not cover treatment in public healthcare systems overseas. You must use private hospitals, which are more expensive—especially in countries like the USA or UK.
What are the essential coverages in travel insurance?
Here is a list of the main coverages offered in travel insurance policies. We’ve categorised them as essential, important, or optional. For each, we’ve also indicated their impact on the total cost of your insurance, to help you understand which coverages drive up the price.
1. Medical expenses and hospitalisation abroad – 🛑 Essential
- Description: covers unexpected health-related expenses abroad, including hospitalisation, medical consultations, prescribed medication, and emergency treatment.
- Excess: from ZAR 0 to ZAR 1,500 depending on the plan.
- Cover limit: from ZAR 1,000,000 to ZAR 20,000,000, depending on destination and formula (higher limits for USA/Canada).
- Common exclusions: pre-existing medical conditions, non-urgent care, public hospital treatment abroad, injuries from risky activities if not covered.
- Impact on price: 🔺 High – this is the most expensive part of travel insurance. Plans with higher medical limits cost significantly more.
- ⚠️ Not recommended: Staysure Expat Basic – low cover for emergency medical treatment (ZAR 1,000,000), no cover for sports or repatriation unless upgraded.
2. Repatriation assistance – 🟠 Important
- Description: covers the organisation and costs of returning you to South Africa in the event of serious illness, accident, or death abroad.
- Excess: usually none.
- Cover limit: often covered at actual cost, depending on medical recommendation and transport type (air ambulance, escort, etc.).
- Common exclusions: non-medical repatriation, repatriation without insurer's pre-approval, incidents linked to alcohol or drug use.
- Impact on price: 🔻 Low – despite being essential, this coverage is often bundled and doesn't greatly increase the premium.
- ⚠️ Not recommended: TravelInsure Basic Plan – does not always cover full repatriation costs and requires multiple conditions to trigger repatriation eligibility.
3. Personal liability abroad – 🟠 Important
- Description: covers accidental injury or damage you cause to a third party during your trip.
- Excess: ranges from ZAR 1,000 to ZAR 3,000 depending on the plan.
- Cover limit: from ZAR 2,000,000 to ZAR 10,000,000, depending on the insurer.
- Common exclusions: intentional acts, use of motor vehicles, injuries to family members, or damages to your own property.
- Impact on price: 🔻 Low – this coverage has limited impact on your premium and is often included in most policies.
- 💡 Expert tip: choose a plan with at least ZAR 5,000,000 in liability cover if travelling to countries with high legal compensation (e.g. USA or UK).
4. Trip cancellation – 🟡 Optional
- Description: reimburses prepaid travel costs if your trip is cancelled for valid reasons (illness, family death, unforeseen work issues).
- Excess: around 10% of the cancellation costs.
- Cover limit: from ZAR 15,000 to ZAR 100,000 per person depending on the plan.
- Common exclusions: cancellation due to personal choice, undocumented illness, expired travel documents, mild weather disruptions.
- Impact on price: 🔺 Moderate to high – this add-on can notably increase your premium, especially for expensive trips (usually 3–5% of trip cost).
- ⚠️ Not recommended: TravelInsure Economy Plan – strict cancellation criteria and low compensation caps compared to other providers.
5. Transport delay – 🟡 Optional
- Description: covers essential expenses (meals, accommodation) if your flight or other transport is delayed by a set number of hours (usually 4 to 6h).
- Excess: usually none.
- Cover limit: from ZAR 1,800 to ZAR 7,500, often released in brackets per delay period.
- Common exclusions: delay announced over 24h in advance, delays due to strikes or unrest known before booking.
- Impact on price: 🔻 Low to moderate – adds minimal cost unless you upgrade to premium cover.
- ⚠️ Not recommended: TravelInsure Economy Plan – delay cover kicks in only after 6h, with a long list of exclusions (e.g. no cover if alternative transport is offered within 6h, or for pre-known strikes).
6. Lost, stolen or damaged luggage – 🟡 Optional
- Description: compensation if your personal belongings are lost, stolen or damaged during your trip.
- Excess: from ZAR 1,000 to ZAR 3,000.
- Cover limit: from ZAR 10,000 to ZAR 50,000, with specific caps for valuables.
- Common exclusions: unattended valuables, unreported baggage damage, thefts without evidence of forced entry.
- Impact on price: 🔻 Low to moderate – increases with high-value item coverage or low excess.
- ⚠️ Not recommended: TravelInsure Economy Plan – Valuables are only covered if kept in hand luggage, and claims require original receipts and formal police or carrier reports, making reimbursement harder than with most standard plans.
7. Legal assistance abroad – 🟡 Optional
- Description: covers legal fees and/or bail bond costs if you're involved in a legal dispute while travelling abroad.
- Excess: varies depending on provider and case.
- Cover limit: from ZAR 50,000 to ZAR 250,000, depending on the policy.
- Common exclusions: criminal acts, fraud-related cases, legal issues from risky behaviour, fines or penalties.
- Impact on price: 🔻 Very low – often included and has minimal impact on overall premium.
- ⚠️ Not recommended: Bryte (ABSA Standard Travel Plan) – low legal cover (ZAR 50,000) and strict conditions for claim approval.
8. Extreme sports and high-risk activities – 🟡 Optional
- Description: coverage for accidents or injuries related to the practice of high-risk sports (off-piste skiing, scuba diving, paragliding, mountaineering…), which are often excluded from standard insurance policies.
- Excess: same as for medical expenses (often from ZAR 0 to ZAR 1,000).
- Cover limit: same as for medical expenses, from ZAR 2 million to ZAR 20 million, depending on the policy.
- Common exclusions: activities not declared or not covered by the optional add-on, professional competitions, or use of motorised vehicles.
- Impact on price: 🔺 High – adding this option significantly raises the premium.
- ⚠️ Not recommended: Staysure Expat Basic – does not cover any hazardous sports, even with the optional upgrade.
Good to know
In a travel insurance policy, insurance covers financial losses (such as reimbursement for medical expenses, trip cancellations, or lost baggage), while assistance handles the organisation and payment of emergency services (like repatriation or hospital admission). Insurance reimburses you, while assistance acts immediately to help you in real time.
How to reduce the cost of my travel insurance?
Travel insurance can be a significant cost, especially for long or international trips. However, there are several smart ways to lower your premium without compromising on essential coverage. Whether you're planning a holiday or a business trip, here are practical tips to keep your travel insurance affordable while staying well protected.
1. Compare offers to find the best value for money
Not all insurers offer the same prices for similar coverage. Using a travel insurance comparison tool helps you quickly identify the most competitive deals based on your destination and travel duration.
2. Tailor your coverage to your actual needs
Don’t pay for overly comprehensive coverage if your trip doesn’t require it. Here’s how to adjust your policy and save money:
Optimisation Tip | Explanation |
---|---|
Choose appropriate medical coverage | If you're travelling to countries with affordable public healthcare or reciprocal agreements (like the UK for SA citizens), you can lower your medical cover. |
Skip cancellation cover if your ticket is flexible | If your airline allows free rebooking or cancellation, cancellation insurance may not be necessary. |
Opt for a higher excess | Accepting a higher deductible reduces your overall premium. |
Check credit card insurance first | Some South African credit cards (e.g., FNB Premier, Absa Gold) include travel insurance, especially for short trips. |
Insure only the needed duration | Avoid annual plans if you only travel occasionally; a one-time policy is usually cheaper. |
3. Take advantage of promotions and group discounts
Some insurers offer discounts for:
✅ Families or groups travelling together.
✅ Early subscriptions (booking your insurance well before departure).
✅ Long-term contracts (if you travel several times a year, an annual plan may be more cost-effective).
Also, don’t forget to use the promo code HelloTravel to reduce the cost of any travel insurance plan listed on our comparison tool.
4. Avoid unnecessary options
Some travel insurance policies automatically include expensive extras (extreme sports, valuables, premium assistance) that you may not actually need. Read the terms carefully and ask to remove any unnecessary add-ons.
By following these tips, you can reduce your travel insurance cost by 30% to 50% while staying well protected.
How to find the best travel insurance for me?
Depending on your profile and travel plans, you won’t need the same coverage. Here are some expert tips to help you choose the most suitable travel insurance for your needs.
Criterion | Why it matters | Expert advice |
---|---|---|
Age | Insurers often apply price increases or restrictions depending on your age. | Most South African insurers offer standard cover up to age 65 or 70. If you’re over 70, look for a senior-specific policy. There are several available. |
Health status / medical history | Pre-existing conditions are usually excluded from basic policies. | Choose a plan that covers pre-existing conditions or request a medical waiver. Always disclose your condition honestly. |
Trip duration | Duration affects eligibility and coverage type. | Trips longer than 90 days may require expat or extended stay cover. Some insurers cap trip length at 60–90 days unless otherwise arranged. |
Destination(s) | Health care costs vary widely. | Medical treatment in countries like the US or Japan is expensive. Ensure your policy includes at least ZAR 2 million medical cover for these destinations. |
Planned activities | Risky activities are often excluded. | Planning to skydive, surf, or hike? Check exclusions. Opt for “adventure” or “sports” coverage if your plans go beyond ordinary tourism. |
Season of travel | Weather conditions can raise risks. | Travelling during cyclone season in the Indian Ocean or snow season in Europe? Look for policies with weather-related trip interruption cover. |
Value of baggage | Baggage limits may be low. | Most policies cover from ZAR 5,000 to ZAR 25,000. For high-value items (camera, laptop), opt for specific add-ons or declare them separately. |
Trip cancellation / interruption | Unplanned changes can be costly. | If your plans are uncertain, choose cancellation cover. Opt for “cancel for any reason” where available or check if “prepaid bookings” are refundable. |
Visa or entry requirements | Some countries require proof of insurance. | Countries like the Schengen Zone or UAE require minimum medical coverage. Ensure your insurer issues a formal certificate of coverage. |
Type of trip | Coverage differs for each travel profile. | Whether you're a tourist, student, expat, or business traveller, choose a product designed for your situation to get the right benefits (e.g. work equipment protection for business travellers). |
How am I currently covered (credit card, medical aid, and public healthcare)?
When travelling abroad, it’s important to know what is already covered by your South African public healthcare system, your private medical aid, and your credit card travel insurance. This helps avoid paying twice for the same thing—or worse, realising too late that you're not covered at all.
In South Africa, public healthcare is available to citizens and permanent residents through a tiered system of government hospitals and clinics, but it does not cover international medical expenses. Most South Africans rely on private medical aid schemes for everyday care, which may offer limited cover abroad. Meanwhile, certain credit cards include basic travel insurance, but conditions and coverage limits vary widely.
Here’s a breakdown of each option to help you understand your existing protection before taking out a dedicated travel insurance policy.
1. Public healthcare: very limited coverage abroad
👉 What you should know:
- In South Africa, the public health system is managed by the Department of Health and provides access to hospitals and clinics based on a sliding fee scale depending on income.
- However, this public coverage does not extend internationally. If you fall ill or are injured while travelling abroad, you will have to pay all medical expenses out of pocket unless you have private cover.
- Unlike the European CEAM system, there is no equivalent South African scheme that provides healthcare access abroad via public channels.
📌 Expert tips:
- If you rely solely on the public health system in South Africa, it is strongly recommended to take out private travel insurance before going abroad.
- For destinations with high healthcare costs (like the USA, UK, or Australia), ensure your travel policy includes at least ZAR 1 million of medical coverage.
2. Private medical aid: helpful but rarely enough for travel
👉 What you should know:
Private healthcare in South Africa is primarily funded through medical aid schemes like Discovery Health, Bonitas, or Momentum, which offer comprehensive local medical cover.
- Some medical aids may offer limited international emergency cover, often only for a short duration (e.g. 30–90 days).
- These benefits typically do not include non-medical travel risks, such as trip cancellation, lost luggage, repatriation, or personal liability.
- Some schemes require members to notify them before travelling abroad to activate international cover.
📌 Expert tips:
- Always request an international travel certificate from your medical aid before departure, confirming what’s covered.
- If you're going overseas for more than 30 days, or to a high-cost destination, complement your medical aid with a full travel insurance plan for better financial protection.
3. Bank card travel cover: useful, but limited
👉 What you should know:
Premium bank cards from South African institutions like FNB, Absa, Nedbank, or Standard Bank often include some travel insurance—but only under specific conditions:
- Coverage applies only if your trip was purchased with the card.
- The duration is usually limited to 90 days.
- Medical cover is capped, often at ZAR 1 million or less, which may not be enough in countries like the US.
- These insurances often exclude pre-existing medical conditions and non-medical risks (e.g. cancellation, baggage, liability).
📌 Expert tips:
- Carefully check the terms of your card's travel insurance and request confirmation from your bank before you go.
- If you're over 70 years old, or planning a long trip, the free cover likely won’t apply, opt for a dedicated travel insurance plan.
- Standard Visa or Mastercard holders generally receive very limited or no insurance and should always take out a separate policy.
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