Travel insurance

South Africa: Best Travel Insurance Plans in 2025

Insurances
Rating
Features
Our opinion
Our Offers
See our methodology
Deductible
30 $
Essential medical costs
Up to 300 000 $
Repatriation costs
100 % of actual costs
Maximum trip duration
1 year
Loss / theft / delay of luggage
Up to 1 150 $
Deductible
30 $
Essential medical costs
Up to 300 000 $
Repatriation costs
100 % of actual costs
Maximum trip duration
1 year
Loss / theft / delay of luggage
Up to 1 150 $
  • 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
More information
Our detailed review

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.

Deductible
$0
Essential medical costs
Up to 10 000 000 $
Repatriation costs
Unlimited
Maximum trip duration
1 year
Loss / theft / delay of luggage
1 700 $
Deductible
$0
Essential medical costs
Up to 10 000 000 $
Repatriation costs
Unlimited
Maximum trip duration
1 year
Loss / theft / delay of luggage
1 700 $
Best value for money
  • Intuitive Heymondo app
  • Registration in English
  • Guaranteed refund
  • Up to 49 years
Pros
Cons
  • Intuitive Heymondo app
  • Registration in English
  • Guaranteed refund
More information
Our detailed review

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.

Deductible
20 % of the claim
Essential medical costs
1 000 000 $
Repatriation costs
Not covered
Maximum trip duration
90 days
Loss / theft / delay of luggage
3 000 $
Deductible
20 % of the claim
Essential medical costs
1 000 000 $
Repatriation costs
Not covered
Maximum trip duration
90 days
Loss / theft / delay of luggage
3 000 $
  • 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
Our detailed review

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.

Deductible
50 $
Essential medical costs
Up to 700 000 $
Repatriation costs
Up to 1 000 $
Maximum trip duration
1 year
Loss / theft / delay of luggage
3 000 $
Deductible
50 $
Essential medical costs
Up to 700 000 $
Repatriation costs
Up to 1 000 $
Maximum trip duration
1 year
Loss / theft / delay of luggage
3 000 $
  • 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
More information
Our detailed review

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.

Deductible
$0
Essential medical costs
Up to 10 000 000 $
Repatriation costs
6 250 $
Maximum trip duration
1 year
Loss / theft / delay of luggage
Up to 2 200 $
Deductible
$0
Essential medical costs
Up to 10 000 000 $
Repatriation costs
6 250 $
Maximum trip duration
1 year
Loss / theft / delay of luggage
Up to 2 200 $
  • 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
Pros
Cons
  • Reimbursement for accommodation after a blockage abroad
  • Aftercare after repatriation in Ireland
  • Replacement vehicle (abroad)
  • Tow truck in Ireland
At an agency
Our detailed review

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.

Deductible
500 R
Essential medical costs
19 000 000 R
Repatriation costs
19 000 000 R
Maximum trip duration
184 days
Loss / theft / delay of luggage
40 000 R
Deductible
500 R
Essential medical costs
19 000 000 R
Repatriation costs
19 000 000 R
Maximum trip duration
184 days
Loss / theft / delay of luggage
40 000 R
  • Worldwide 24/7 medical assistance automatically included.
  • Low baggage limit in basic coverage.
  • No coverage for extreme sports unless added as an extra.
Pros
Cons
  • Worldwide 24/7 medical assistance automatically included.
At an agency
Our detailed review

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.

Deductible
Variable
Essential medical costs
Unlimited
Repatriation costs
Unlimited
Maximum trip duration
183 days
Loss / theft / delay of luggage
Up to 2 500 $
Deductible
Variable
Essential medical costs
Unlimited
Repatriation costs
Unlimited
Maximum trip duration
183 days
Loss / theft / delay of luggage
Up to 2 500 $
  • 100-day option for frequent travelers under 70 years old.
  • Deductible not clearly stated
  • Extreme sports and alcohol often excluded.
Pros
Cons
  • 100-day option for frequent travelers under 70 years old.
At an agency
Our detailed review

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.

Deductible
500 R
Essential medical costs
5 000 000 R
Repatriation costs
5 000 000 R
Maximum trip duration
180 days
Loss / theft / delay of luggage
Up to 15 000 R
Deductible
500 R
Essential medical costs
5 000 000 R
Repatriation costs
5 000 000 R
Maximum trip duration
180 days
Loss / theft / delay of luggage
Up to 15 000 R
  • 24/7 international emergency medical assistance included
  • Low valuables limit: only 5 000 R max
  • Most optional protections require added cost
Pros
Cons
  • 24/7 international emergency medical assistance included
At an agency
Our detailed review

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.

Deductible
500 R
Essential medical costs
2 000 000 R
Repatriation costs
2 000 000 R
Maximum trip duration
184 days
Loss / theft / delay of luggage
15 000 R
Deductible
500 R
Essential medical costs
2 000 000 R
Repatriation costs
2 000 000 R
Maximum trip duration
184 days
Loss / theft / delay of luggage
15 000 R
  • Optional cover for infectious disease quarantine expenses
  • Low personal item sub-limits (e.g., electronics)
  • Emergency evacuation not separately itemized
Pros
Cons
  • Optional cover for infectious disease quarantine expenses
At an agency
Our detailed review

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.

Table of Contents
  • What exactly is travel insurance?
  • What is the price of travel insurance?
  • What does travel insurance cover?
  • The conditions to meet
  • Why take out travel insurance?
  • How to choose the right travel insurance
  • Do my current insurers offer travel insurance?
  • FAQ
  • On the same topic
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travel insurance: key takeaways

1. Definition: Travel insurance is a policy providing financial protection against unexpected events like medical emergencies or trip cancellations.

2. Price: For a one-week trip to Europe, basic cover from South Africa can start from around R270.

3. Coverage: It typically covers medical emergencies and lost baggage, but often excludes pre-existing conditions and high-risk activities.

4. Bank cards and health insurances: Bank cards and South African medical aids offer very limited international cover, making standalone insurance essential.

5. Tips: Always compare policies, check medical limits and exclusions, and declare any pre-existing health conditions before buying.

6. Other useful info: Your South African medical aid will not cover most costs abroad; travel insurance is crucial for international trips.

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Why trust HelloSafe ?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in South Africa, our experts share here everything you need to know to choose the best one for you.

What exactly is travel insurance?

travel insurance is a form of cover that protects you financially if unexpected problems occur during your trip. It commonly includes emergency medical treatment, trip cancellation, and loss or theft of bags.
Cover levels vary depending on your itinerary, policy, and health status.

It is essential as it helps cover large medical costs or travel losses that your medical aid or credit card typically will not meet outside South Africa.

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Expert advice

Here are situations where travel insurance is especially recommended for South Africans:
- Your medical aid offers little or no cover abroad.
- You are travelling to countries with high medical costs.
- You have prepaid for non-refundable trip expenses.
- You need insurance to meet specific visa application requirements.
- You will participate in sports or high-risk recreational activities.
- You have a pre-existing condition that might need treatment.
- Your trip includes remote areas with limited medical access.

What is the price of travel insurance?

On average, travel insurance in South Africa costs between 3% and 6% of your total trip price.

TripTrip costIndicative price per person
Weekend in Cape TownR4,000R25 – R100
Two weeks in ThailandR35,000R1,050 – R2,100
Ten days in the United StatesR55,000R1,650 – R3,300
Three weeks in FranceR65,000R1,950 – R3,900
Weekend in Cape Town
Trip cost
R4,000
Indicative price per person
R25 – R100
Two weeks in Thailand
Trip cost
R35,000
Indicative price per person
R1,050 – R2,100
Ten days in the United States
Trip cost
R55,000
Indicative price per person
R1,650 – R3,300
Three weeks in France
Trip cost
R65,000
Indicative price per person
R1,950 – R3,900

These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.

The price of your travel insurance depends on several factors:

  • trip duration: the longer the trip, the higher the cost.
  • destination: countries with high healthcare costs, such as the USA or Europe, make premiums more expensive.
  • age of traveler: premiums increase for travelers over 70.
  • coverage level: comprehensive plans and higher benefit limits increase the price.
  • health and pre-existing conditions: those with recent health concerns or ongoing medical needs may pay more.
  • planned activities: adventure sports or risky activities often require extra cover.

What does travel insurance cover?

Travel insurance protects you from unexpected problems during your trip. Here's what it usually covers, and what it may not.

Covered guaranteeDefinitionExpert advice
✈️ Trip cancellationPays back non-refundable costs if you cancel your trip before departure.
  • Choose at least R20,000 cover, with a deductible under R500.
  • Watch for exclusions concerning epidemics, civil unrest, and pre existing conditions.
🕒 Trip interruptionCovers costs if your trip is cut short for valid reasons.
  • Ensure cover equals your trip value and deductible is under R500.
  • Exclusions include personal choices, unmanaged health issues, and known events at policy purchase.
🧳 Baggage insuranceReimburses loss, theft, or damage to baggage or personal items.
  • Minimum R15,000 cover is ideal with a deductible below R300.
  • Exclusions include left luggage, wear and tear, and electronics above policy limits.
🚑 Emergency medical expensesKey guarantee. Pays for urgent medical care and hospitalisation abroad.
  • Select at least R1,000,000 cover and lowest excess possible.
  • Exclusions commonly include high risk activities, alcohol incidents, and unreported pre existing conditions.
🛫 Medical evacuation & repatriationKey guarantee. Covers return to South Africa if medically necessary or for mortal remains.
  • At least R500,000 cover, max deductible R500.
  • Exclusions may include war zones, self inflicted harm, and using unapproved transport or services.
⚖️ Personal liabilityCovers damages you cause accidentally to others or their property while travelling.
  • Select R2M minimum coverage, deductible below R1,000.
  • Exclusions include accidents with motor vehicles, intentional acts, or contractual disputes.
🛠️ Assistance services24/7 help for emergencies, legal, translation, and medical referrals.
  • Seek unlimited assistance and worldwide hotline.
  • Exclusions may include non urgent issues, remote areas, or assistance not leading to a claim.
⛑️ Accident insurance (optional)Optional benefit. Pays a lump sum for accidental death or permanent disability during travel.
  • Choose at least R200,000 cover, deductible under R300.
  • Common exclusions are risky sports, alcohol use, and pre existing health issues not declared at purchase.
An overview of travel insurance guarantees, their definitions, and expert advice for each.
✈️ Trip cancellation
Definition
Pays back non-refundable costs if you cancel your trip before departure.
Expert advice
  • Choose at least R20,000 cover, with a deductible under R500.
  • Watch for exclusions concerning epidemics, civil unrest, and pre existing conditions.
🕒 Trip interruption
Definition
Covers costs if your trip is cut short for valid reasons.
Expert advice
  • Ensure cover equals your trip value and deductible is under R500.
  • Exclusions include personal choices, unmanaged health issues, and known events at policy purchase.
🧳 Baggage insurance
Definition
Reimburses loss, theft, or damage to baggage or personal items.
Expert advice
  • Minimum R15,000 cover is ideal with a deductible below R300.
  • Exclusions include left luggage, wear and tear, and electronics above policy limits.
🚑 Emergency medical expenses
Definition
Key guarantee. Pays for urgent medical care and hospitalisation abroad.
Expert advice
  • Select at least R1,000,000 cover and lowest excess possible.
  • Exclusions commonly include high risk activities, alcohol incidents, and unreported pre existing conditions.
🛫 Medical evacuation & repatriation
Definition
Key guarantee. Covers return to South Africa if medically necessary or for mortal remains.
Expert advice
  • At least R500,000 cover, max deductible R500.
  • Exclusions may include war zones, self inflicted harm, and using unapproved transport or services.
⚖️ Personal liability
Definition
Covers damages you cause accidentally to others or their property while travelling.
Expert advice
  • Select R2M minimum coverage, deductible below R1,000.
  • Exclusions include accidents with motor vehicles, intentional acts, or contractual disputes.
🛠️ Assistance services
Definition
24/7 help for emergencies, legal, translation, and medical referrals.
Expert advice
  • Seek unlimited assistance and worldwide hotline.
  • Exclusions may include non urgent issues, remote areas, or assistance not leading to a claim.
⛑️ Accident insurance (optional)
Definition
Optional benefit. Pays a lump sum for accidental death or permanent disability during travel.
Expert advice
  • Choose at least R200,000 cover, deductible under R300.
  • Common exclusions are risky sports, alcohol use, and pre existing health issues not declared at purchase.
An overview of travel insurance guarantees, their definitions, and expert advice for each.

Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.

To find the travel insurance best suited to your profile and your trip, easily compare offers on HelloSafe.

The conditions to meet

To ensure your travel insurance is valid, certain conditions must always be met:

  • Policy purchase: you must buy and activate your policy before you leave South Africa. Buying it after departure usually means no coverage.
  • Trip duration: your trip must not exceed the maximum period specified, often 90 or 365 days depending on your policy.
  • Accurate disclosure: you need to give complete and correct health and travel details. Any false information can mean your claim is not paid.
  • Pre-existing conditions: all ongoing illnesses or previous health issues must be reported and accepted by your insurer before travel.
  • Covered activities: only activities listed in your policy are insured. Adventure sports require additional cover through your insurer.
  • Government advisories: if there is an official “Do Not Travel” warning for your destination, your policy may not cover related claims.
  • Residency: you must be a resident of South Africa at the time of buying the policy and when you start your trip.
  • Documentation: you must be able to provide required travel and expense documentation if you need to make a claim.

If you are ever uncertain, review your policy terms thoroughly and contact your insurer directly for clarification.

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Watch out!

Don't assume your credit card's 'free' travel insurance is enough. This basic cover is often very limited, especially for medical emergencies, and may exclude pre-existing conditions entirely. With the weak Rand, overseas medical bills can be crippling. A separate, comprehensive policy is crucial for proper protection while travelling abroad.

Why take out travel insurance?

Unexpected events while travelling can quickly lead to high expenses, especially if you face a medical emergency far from home.

Here are some examples of medical costs abroad:

Type of treatmentAverage cost (R)What travel insurance covers
Sprained ankle while hiking
  • Europe: 12,000 to 23,000
  • North America: 34,000 to 65,000
  • Asia: 4,000 to 18,000
Up to 100%, typically R1 million to no limit medical care
Cut from a scooter accident
  • Europe: 15,000 to 30,000
  • North America: 45,000 to 90,000
  • Asia: 7,000 to 21,000
Up to 100%, including emergency care and surgery
Food poisoning with hospital stay
  • Europe: 24,000 to 57,000
  • North America: 68,000 to 130,000
  • Asia: 10,000 to 40,000
Up to 100%, covers hospital bills and medication
Tooth infection requiring treatment
  • Europe: 4,500 to 11,000
  • North America: 10,000 to 22,000
  • Asia: 2,000 to 6,000
Limited, up to R5,000 to R10,000 for dental emergencies
Respiratory infection consultation
  • Europe: 2,000 to 7,000
  • North America: 4,000 to 15,000
  • Asia: 800 to 3,500
Up to 100% outpatient and treatment costs
Sprained ankle while hiking
Average cost (R)
  • Europe: 12,000 to 23,000
  • North America: 34,000 to 65,000
  • Asia: 4,000 to 18,000
What travel insurance covers
Up to 100%, typically R1 million to no limit medical care
Cut from a scooter accident
Average cost (R)
  • Europe: 15,000 to 30,000
  • North America: 45,000 to 90,000
  • Asia: 7,000 to 21,000
What travel insurance covers
Up to 100%, including emergency care and surgery
Food poisoning with hospital stay
Average cost (R)
  • Europe: 24,000 to 57,000
  • North America: 68,000 to 130,000
  • Asia: 10,000 to 40,000
What travel insurance covers
Up to 100%, covers hospital bills and medication
Tooth infection requiring treatment
Average cost (R)
  • Europe: 4,500 to 11,000
  • North America: 10,000 to 22,000
  • Asia: 2,000 to 6,000
What travel insurance covers
Limited, up to R5,000 to R10,000 for dental emergencies
Respiratory infection consultation
Average cost (R)
  • Europe: 2,000 to 7,000
  • North America: 4,000 to 15,000
  • Asia: 800 to 3,500
What travel insurance covers
Up to 100% outpatient and treatment costs

Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.

💡 Travel insurance can also include trip cancellation, lost or delayed luggage, emergency evacuation, personal liability, and 24/7 assistance. These benefits help protect you against common incidents and costly disruptions while abroad.

How to choose the right travel insurance

Travel insurance plans in South Africa can differ greatly on coverage and reimbursement amounts. Knowing which criteria to compare helps you select guarantees that are relevant to your trip.

CriterionWhy it mattersExpert tip
💰 Reimbursement limitsSet maximum payouts for medical, trip or baggage claimsLook for at least R1,000,000 in medical coverage for international travel, especially outside Africa.
📉 Deductibles (excess)Affect the amount you pay before insurance pays the restLower excess, ideally below R500, is worth a slightly higher premium to avoid major costs in emergencies.
📄 Policy conditionsDictate whether you can claim and on what termsRead age limits, destination exclusions, and pre-existing condition rules before buying to avoid future problems.
👵 Traveller’s ageInfluences premium and available policy typesCompare plans if over 65. Heymondo does not increase prices for people older than 62.
🧍 Traveller profileAffects add-ons, such as for families, students, or businessChoose extras for your specific needs, like winter sports or business equipment cover if these apply to your journey.
🗓️ Trip durationMay limit how long you are insured per trip or per planConfirm the maximum covered days per trip and buy annual multi-trip plans if you travel often each year.
🌍 Geographic areaDetermines which countries you are covered inEnsure every country visited is included. Some plans exclude USA, Canada, or conflict zones in the fine print.
🧗 Planned activitiesAdventure or sports may be excluded without extra coverAdd cover for risky activities, like skiing, hiking, diving, or volunteer work, as standard policies rarely include these.
🏦 Existing medical or card coverMedical aid or credit card cover may already provide benefitsCheck your current health plan and card limits first. Top up only what is missing in terms of medical or baggage protection.
💻 Online comparison & purchaseHelps compare and buy efficiently onlineUse HelloSafe to compare benefits, premiums, age rules, and plan features before buying for the best match for your trip.
Key criteria for choosing travel insurance.
💰 Reimbursement limits
Why it matters
Set maximum payouts for medical, trip or baggage claims
Expert tip
Look for at least R1,000,000 in medical coverage for international travel, especially outside Africa.
📉 Deductibles (excess)
Why it matters
Affect the amount you pay before insurance pays the rest
Expert tip
Lower excess, ideally below R500, is worth a slightly higher premium to avoid major costs in emergencies.
📄 Policy conditions
Why it matters
Dictate whether you can claim and on what terms
Expert tip
Read age limits, destination exclusions, and pre-existing condition rules before buying to avoid future problems.
👵 Traveller’s age
Why it matters
Influences premium and available policy types
Expert tip
Compare plans if over 65. Heymondo does not increase prices for people older than 62.
🧍 Traveller profile
Why it matters
Affects add-ons, such as for families, students, or business
Expert tip
Choose extras for your specific needs, like winter sports or business equipment cover if these apply to your journey.
🗓️ Trip duration
Why it matters
May limit how long you are insured per trip or per plan
Expert tip
Confirm the maximum covered days per trip and buy annual multi-trip plans if you travel often each year.
🌍 Geographic area
Why it matters
Determines which countries you are covered in
Expert tip
Ensure every country visited is included. Some plans exclude USA, Canada, or conflict zones in the fine print.
🧗 Planned activities
Why it matters
Adventure or sports may be excluded without extra cover
Expert tip
Add cover for risky activities, like skiing, hiking, diving, or volunteer work, as standard policies rarely include these.
🏦 Existing medical or card cover
Why it matters
Medical aid or credit card cover may already provide benefits
Expert tip
Check your current health plan and card limits first. Top up only what is missing in terms of medical or baggage protection.
💻 Online comparison & purchase
Why it matters
Helps compare and buy efficiently online
Expert tip
Use HelloSafe to compare benefits, premiums, age rules, and plan features before buying for the best match for your trip.
Key criteria for choosing travel insurance.
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Good to know

When the Rand is weak, avoid costly overseas doctor visits. Some insurers offer 24/7 telemedicine. For instance, Heymondo's app provides medical chat with a doctor, helping you get advice before heading to a clinic, saving you time and money on your trip.

Do my current insurers offer travel insurance?

It is reasonable to consider whether your current insurances, such as credit card benefits or health schemes, can provide adequate travel insurance, but unfortunately they often fall short. Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceTravel insurance included?What it coversWhy Travel Insurance is better
Public health insurance (Medical Aid)NeverSouth African hospital treatment and basic emergencies only. No overseas cover or trip compensation.Travel insurance offers overseas medical benefits up to R5,000,000, repatriation, cancellation, and lost baggage cover.
Private health insurance (Discovery, Momentum, Bonitas)Limited coverageSome emergency medical overseas, usually capped at R500,000–R1,000,000, no trip or baggage cover, strict conditions.Travel insurance covers trip cancellation, missed flights, lost property, and unlimited emergency medical for many destinations.
Classic credit card (Standard Bank Silver, FNB Gold, Absa Classic)Limited coverageEmergency medical, theft or delays, limited to R100,000–R500,000, short trip durations, activation often required.Travel insurance provides higher medical limits, personal liability, and extended coverage for sports, missed connections, and more.
Premium credit card (Nedbank Platinum, FNB Premier, Standard Bank Titanium)Limited coverageMore benefits, higher overall limits up to R1,500,000, often excludes pre-existing conditions, only covers paid trips.Travel insurance pays out up to R5,000,000–R10,000,000 and includes 24/7 global assistance, longer trip durations, and extras.
Comparison of travel insurance coverage across different insurance types.
Public health insurance (Medical Aid)
Travel insurance included?
Never
What it covers
South African hospital treatment and basic emergencies only. No overseas cover or trip compensation.
Why Travel Insurance is better
Travel insurance offers overseas medical benefits up to R5,000,000, repatriation, cancellation, and lost baggage cover.
Private health insurance (Discovery, Momentum, Bonitas)
Travel insurance included?
Limited coverage
What it covers
Some emergency medical overseas, usually capped at R500,000–R1,000,000, no trip or baggage cover, strict conditions.
Why Travel Insurance is better
Travel insurance covers trip cancellation, missed flights, lost property, and unlimited emergency medical for many destinations.
Classic credit card (Standard Bank Silver, FNB Gold, Absa Classic)
Travel insurance included?
Limited coverage
What it covers
Emergency medical, theft or delays, limited to R100,000–R500,000, short trip durations, activation often required.
Why Travel Insurance is better
Travel insurance provides higher medical limits, personal liability, and extended coverage for sports, missed connections, and more.
Premium credit card (Nedbank Platinum, FNB Premier, Standard Bank Titanium)
Travel insurance included?
Limited coverage
What it covers
More benefits, higher overall limits up to R1,500,000, often excludes pre-existing conditions, only covers paid trips.
Why Travel Insurance is better
Travel insurance pays out up to R5,000,000–R10,000,000 and includes 24/7 global assistance, longer trip durations, and extras.
Comparison of travel insurance coverage across different insurance types.
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Expert advice

Some important coverages such as trip interruption due to a relative’s illness or death is almost never covered by bank cards and health insurances. Always check the exclusions of your existing policies. In any case, buying travel insurance tailored to your trip is safer.

FAQ

Is travel insurance mandatory?

Travel insurance is not mandatory for trips within South Africa or for most international destinations. However, specific countries like Schengen states require proof of travel insurance for visa approval. Even where not required, it is strongly recommended, for example when travelling to the USA where medical care costs are extremely high.

When is it recommended to purchase travel insurance?

It is best to purchase travel insurance immediately after booking your trip. Early purchase ensures that coverage is in place for cancellations or incidentals that may happen before departure, and it maximises the period you are protected both before and during your journey.

How do I purchase travel insurance?

First, compare policies using HelloSafe’s travel insurance comparison platform to find the best value. Second, check the guarantees and exclusions to ensure the coverage suits your personal needs. Third, purchase your chosen plan online. Lastly, you will receive your insurance certificate by email.

Can I purchase travel insurance after booking?

Yes, you can buy travel insurance after you book your trip, but it is important to do so before your departure. Buying early offers broader protection, such as trip cancellation cover, while waiting until the last minute can limit some pre-trip benefits.

How do I make a claim?

To make a claim, contact your insurer as soon as possible, provide your policy number and essential documentation like medical reports or receipts. Most insurers in South Africa offer online claim submission. Keep copies of all relevant travel and incident documents to support your claim process.

Are pre-existing medical conditions covered by travel insurance?

Pre-existing conditions are usually excluded unless specifically declared and accepted by the insurer. It is important to disclose any such conditions when you apply, as some plans may offer partial coverage for unforeseen complications, usually for an additional premium.

Does travel insurance cover adventure sports and activities?

Most standard travel insurance plans exclude high-risk activities such as scuba diving, parasailing, or mountain climbing. If you plan on participating in such sports, look for a policy offering additional adventure sports coverage or purchase a special rider to extend protection.

Is travel insurance mandatory?

Travel insurance is not mandatory for trips within South Africa or for most international destinations. However, specific countries like Schengen states require proof of travel insurance for visa approval. Even where not required, it is strongly recommended, for example when travelling to the USA where medical care costs are extremely high.

When is it recommended to purchase travel insurance?

It is best to purchase travel insurance immediately after booking your trip. Early purchase ensures that coverage is in place for cancellations or incidentals that may happen before departure, and it maximises the period you are protected both before and during your journey.

How do I purchase travel insurance?

First, compare policies using HelloSafe’s travel insurance comparison platform to find the best value. Second, check the guarantees and exclusions to ensure the coverage suits your personal needs. Third, purchase your chosen plan online. Lastly, you will receive your insurance certificate by email.

Can I purchase travel insurance after booking?

Yes, you can buy travel insurance after you book your trip, but it is important to do so before your departure. Buying early offers broader protection, such as trip cancellation cover, while waiting until the last minute can limit some pre-trip benefits.

How do I make a claim?

To make a claim, contact your insurer as soon as possible, provide your policy number and essential documentation like medical reports or receipts. Most insurers in South Africa offer online claim submission. Keep copies of all relevant travel and incident documents to support your claim process.

Are pre-existing medical conditions covered by travel insurance?

Pre-existing conditions are usually excluded unless specifically declared and accepted by the insurer. It is important to disclose any such conditions when you apply, as some plans may offer partial coverage for unforeseen complications, usually for an additional premium.

Does travel insurance cover adventure sports and activities?

Most standard travel insurance plans exclude high-risk activities such as scuba diving, parasailing, or mountain climbing. If you plan on participating in such sports, look for a policy offering additional adventure sports coverage or purchase a special rider to extend protection.

On the same topic

A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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