The Best Short-Term Travel Insurance Plans for 2025

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A. Fruchard
A. Fruchard updated on 8 July 2025
Table of Contents
  • The Best short term Travel Insurance Plans
  • Understanding short term travel insurance
  • The price of short term travel insurance
  • What short term travel insurance covers
  • The conditions of short term travel insurance
  • Why take out short term travel insurance?
  • How to Choose the Right short term Travel Insurance
  • Is short term travel insurance covered by my existing policies?
  • FAQ
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short term travel insurance: key takeaways

1. Definition: Short-term travel insurance covers single trips, protecting you against unexpected events like medical emergencies and lost luggage.
2. Price: A one-week policy for Europe typically costs between R450 and R850, depending on your chosen coverage level.
3. Coverage: It usually covers medical emergencies and cancellations but often excludes pre-existing conditions and high-risk adventure sports.
4. Bank cards and health insurances: Bank cards and medical aids like Discovery or Momentum offer very limited travel cover, with low medical caps.
5. Tips: Always declare pre-existing conditions and check medical cover limits, especially for travel to countries like the USA.
6. Other useful info: Due to the Rand's volatility, ensure your policy's medical limits are adequate in the destination's foreign currency.

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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 short term travel insurance.

The Best short term Travel Insurance Plans

Here is a selection of the best short term travel insurance plans for residents of South Africa in 2025. These policies are highly recommended for their high coverage limits, low deductibles, and straightforward terms, ensuring reliable protection for every trip.

Contract we recommendMedical reimbursementDeductibleAdvantages
HelloTravel PremiumR2,000,000R400
  • Outstanding medical expense cover.
  • Quick claims and approval process.
  • Covers lost documents and baggage.
  • 24/7 global emergency support.
Cap Assistance 24/24R1,500,000R500
  • Multilingual mobile assistance.
  • Direct hospital payments abroad.
  • Sports and adventure cover.
  • Rapid emergency evacuation included.
Tourist CardR1,800,000R750
  • Adventure and sports insured.
  • Fast online claims.
  • Suitable for families.
  • Free child cover under 12.
World TravelR1,200,000R600
  • Global medical and repatriation network.
  • Flexible trip extension.
  • Pre-approval for treatment.
  • Discounts for couples and groups.
Globe PartnerR1,800,000R400
  • Senior traveller friendly.
  • Chronic condition coverage.
  • Travel delay compensation.
  • Simple online certificate.
Globe TravellerR1,500,000R400
  • Comprehensive COVID coverage.
  • Unlimited claims within period.
  • Multilingual helpline.
  • Policy available instantly online.
Comparison of travel insurance plans.
HelloTravel Premium
Medical reimbursement
R2,000,000
Deductible
R400
Advantages
  • Outstanding medical expense cover.
  • Quick claims and approval process.
  • Covers lost documents and baggage.
  • 24/7 global emergency support.
Cap Assistance 24/24
Medical reimbursement
R1,500,000
Deductible
R500
Advantages
  • Multilingual mobile assistance.
  • Direct hospital payments abroad.
  • Sports and adventure cover.
  • Rapid emergency evacuation included.
Tourist Card
Medical reimbursement
R1,800,000
Deductible
R750
Advantages
  • Adventure and sports insured.
  • Fast online claims.
  • Suitable for families.
  • Free child cover under 12.
World Travel
Medical reimbursement
R1,200,000
Deductible
R600
Advantages
  • Global medical and repatriation network.
  • Flexible trip extension.
  • Pre-approval for treatment.
  • Discounts for couples and groups.
Globe Partner
Medical reimbursement
R1,800,000
Deductible
R400
Advantages
  • Senior traveller friendly.
  • Chronic condition coverage.
  • Travel delay compensation.
  • Simple online certificate.
Globe Traveller
Medical reimbursement
R1,500,000
Deductible
R400
Advantages
  • Comprehensive COVID coverage.
  • Unlimited claims within period.
  • Multilingual helpline.
  • Policy available instantly online.
Comparison of travel insurance plans.

The best short term travel insurance varies according to your needs. Use HelloSafe’s travel insurance comparison tool to find the plan that fits you and sign up directly online.

Compare the best travel insurance for freeI compare

Understanding short term travel insurance

Short term travel insurance is temporary cover for a single trip, usually lasting from 1 to 90 days, protecting travellers from unforeseen incidents while away from home.
It provides financial protection for medical emergencies, trip cancellation, lost luggage, and other unexpected events, whether travelling abroad or within South Africa.
Unlike annual travel insurance, short term policies are purchased for each specific trip and tailored to the duration and destination.
Short term travel insurance is sometimes called single trip or temporary travel insurance but is distinct from long stay or multi-trip plans.

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Expert advice

Here are the situations where taking out short term travel insurance is especially relevant if you live in South Africa:
- When visiting countries with high medical costs like the USA.
- If your medical aid offers limited international emergency cover.
- For trips to countries requiring mandatory insurance for a visa.
- When you book an expensive or non-refundable trip.
- To cover the high cost of emergency medical repatriation to South Africa.
- If you plan on doing adventure sports like skiing or diving.
- If you have any pre-existing medical conditions to declare.

The price of short term travel insurance

On average, short term travel insurance costs between 2% and 5% of the total price of your trip.

TripTrip cost (ZAR)Indicative price per person (ZAR)
7 days in the UK14,000300 to 650
14 days in Thailand25,000600 to 1,150
30 days in the United States45,0001,000 to 2,200
60 days in Australia as a senior traveller35,000800 to 1,800
7 days in the UK
Trip cost (ZAR)
14,000
Indicative price per person (ZAR)
300 to 650
14 days in Thailand
Trip cost (ZAR)
25,000
Indicative price per person (ZAR)
600 to 1,150
30 days in the United States
Trip cost (ZAR)
45,000
Indicative price per person (ZAR)
1,000 to 2,200
60 days in Australia as a senior traveller
Trip cost (ZAR)
35,000
Indicative price per person (ZAR)
800 to 1,800

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 short term travel insurance depends on several factors:

  • trip duration: a longer trip will increase the cost of insurance.
  • destination: traveling to countries with high healthcare costs such as the USA or Switzerland results in higher premiums.
  • traveller’s age: older travellers, especially over 65, may pay more.
  • level of coverage: plans with higher medical limits, cancellation benefits, or coverage for adventure sports cost extra.
  • pre-existing health conditions: declaring these or adding coverage can make the policy more expensive.
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What short term travel insurance covers

Short term travel insurance offers temporary protection for trips up to 90 days worldwide or within South Africa. It is ideal for single holidays, quick business trips or short-term family visits.

Covered guaranteeDefinitionExpert advice
✈️ Trip cancellationRefund for non-refundable expenses if your trip is cancelled for a covered reason.Minimum R25,000 cover, deductible should not exceed R500.
Change of mind, known health issues or lack of documentation are excluded.
🚫 Missed departurePays the extra cost if you miss your flight due to events beyond your control.Recommended R2,000 minimum, deductible under R250.
Lateness, avoidable delays and missed check-in are not covered.
🧳 Baggage loss or theftPays for lost, stolen or damaged luggage during your journey.Seek at least R10,000 cover, deductible below R300.
Unattended bags, wear and tear or valuables above limits are not covered.
🕒 Travel delayPays a fixed sum if your trip is delayed for a set number of hours.R2,500 recommended after 6 hours, no deductible preferred.
Delays under 6 hours, weather conditions or non-documented claims are not covered.
🏥 Emergency medical expensesKey guarantee. Pays for treatment if you fall ill or are injured abroad.Minimum R1,000,000, deductible under R1,000.
Pre-existing medical conditions, routine care and cosmetic procedures are excluded.
🚑 Emergency repatriationKey guarantee. Pays for transport back to South Africa if medically necessary.At least R1,500,000 cover and deductible under R1,000.
Voluntary or non-medical repatriations are excluded.
🦷 Emergency dental carePays for urgent dental treatment abroad.R2,500 or higher, deductible under R250 preferable.
Planned or cosmetic dental treatment is excluded.
🪪 Personal liabilityPays if you accidentally cause injury or property damage to someone else.R750,000+ cover, deductible under R1,000.
Intentional acts, claims from family or vehicle-related incidents are not covered.
⚖️ Legal assistancePays lawyer costs or bail if you face legal issues abroad.R10,000+ and low deductible recommended.
Criminal acts, disputes involving alcohol, or deliberate offences are excluded.
💔 Trip interruptionRefunds unused pre-paid costs if you return home early for a covered reason.Minimum R15,000 cover, deductible below R500.
Voluntary early returns and non-urgent reasons are excluded.
Overview of Travel Insurance Guarantees
✈️ Trip cancellation
Definition
Refund for non-refundable expenses if your trip is cancelled for a covered reason.
Expert advice
Minimum R25,000 cover, deductible should not exceed R500.
Change of mind, known health issues or lack of documentation are excluded.
🚫 Missed departure
Definition
Pays the extra cost if you miss your flight due to events beyond your control.
Expert advice
Recommended R2,000 minimum, deductible under R250.
Lateness, avoidable delays and missed check-in are not covered.
🧳 Baggage loss or theft
Definition
Pays for lost, stolen or damaged luggage during your journey.
Expert advice
Seek at least R10,000 cover, deductible below R300.
Unattended bags, wear and tear or valuables above limits are not covered.
🕒 Travel delay
Definition
Pays a fixed sum if your trip is delayed for a set number of hours.
Expert advice
R2,500 recommended after 6 hours, no deductible preferred.
Delays under 6 hours, weather conditions or non-documented claims are not covered.
🏥 Emergency medical expenses
Definition
Key guarantee. Pays for treatment if you fall ill or are injured abroad.
Expert advice
Minimum R1,000,000, deductible under R1,000.
Pre-existing medical conditions, routine care and cosmetic procedures are excluded.
🚑 Emergency repatriation
Definition
Key guarantee. Pays for transport back to South Africa if medically necessary.
Expert advice
At least R1,500,000 cover and deductible under R1,000.
Voluntary or non-medical repatriations are excluded.
🦷 Emergency dental care
Definition
Pays for urgent dental treatment abroad.
Expert advice
R2,500 or higher, deductible under R250 preferable.
Planned or cosmetic dental treatment is excluded.
🪪 Personal liability
Definition
Pays if you accidentally cause injury or property damage to someone else.
Expert advice
R750,000+ cover, deductible under R1,000.
Intentional acts, claims from family or vehicle-related incidents are not covered.
⚖️ Legal assistance
Definition
Pays lawyer costs or bail if you face legal issues abroad.
Expert advice
R10,000+ and low deductible recommended.
Criminal acts, disputes involving alcohol, or deliberate offences are excluded.
💔 Trip interruption
Definition
Refunds unused pre-paid costs if you return home early for a covered reason.
Expert advice
Minimum R15,000 cover, deductible below R500.
Voluntary early returns and non-urgent reasons are excluded.
Overview of Travel Insurance Guarantees

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 short term travel insurance that fits your trip, it is essential to compare available plans on HelloSafe.

The conditions of short term travel insurance

To activate your short term travel insurance and ensure that you are covered, several conditions must be met. The most important are listed below.

  • Timing of subscription: you must purchase the policy before leaving South Africa and before your trip begins.
  • Residency requirement: you need to be a legal resident of South Africa at the time of application.
  • Trip duration: your trip must not exceed the maximum duration allowed by the policy, usually up to 90 days.
  • No ongoing travel: you cannot purchase coverage if you are already overseas or the trip has already started.
  • Valid destination: insurance applies only for destinations not excluded in your policy, some countries may be specifically excluded.
  • Incident notification: you must notify the insurer as soon as possible after an incident or a covered loss.
  • Documentary evidence: claims require official documentation such as airline tickets, medical reports, or receipts to be considered.
  • Compliance with exclusions: claims due to exclusions like undeclared pre-existing conditions or high-risk activities will not be covered.
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Watch out!

A common, costly mistake is assuming pre-existing medical conditions are automatically covered. Most policies require you to declare these conditions upfront. Failing to do so can invalidate your insurance, leaving you to pay potentially crippling hospital bills if you need treatment abroad.

Why take out short term travel insurance?

Travel can bring unplanned events, and without short term travel insurance, unexpected costs for medical care abroad may be difficult to afford.
Here are some examples of healthcare costs abroad:

Type of treatmentAverage costCovered by insurance
Foot sprain (X-ray and consultation)
  • Europe: R3,500
  • North America: R8,500
  • Asia: R1,800
Up to R2,000,000
Medical repatriation
  • Europe: R180,000
  • North America: R320,000
  • Asia: R220,000
Up to R5,000,000
Appendicitis surgery and hospitalization
  • Europe: R85,000
  • North America: R450,000
  • Asia: R35,000
Up to R2,000,000
Stitches after a fall
  • Europe: R2,800
  • North America: R6,200
  • Asia: R1,200
Up to R2,000,000
Consultation and treatment for an intestinal infection
  • Europe: R4,200
  • North America: R9,800
  • Asia: R2,100
Up to R2,000,000
Table of medical treatment costs and insurance coverage.
Foot sprain (X-ray and consultation)
Average cost
  • Europe: R3,500
  • North America: R8,500
  • Asia: R1,800
Covered by insurance
Up to R2,000,000
Medical repatriation
Average cost
  • Europe: R180,000
  • North America: R320,000
  • Asia: R220,000
Covered by insurance
Up to R5,000,000
Appendicitis surgery and hospitalization
Average cost
  • Europe: R85,000
  • North America: R450,000
  • Asia: R35,000
Covered by insurance
Up to R2,000,000
Stitches after a fall
Average cost
  • Europe: R2,800
  • North America: R6,200
  • Asia: R1,200
Covered by insurance
Up to R2,000,000
Consultation and treatment for an intestinal infection
Average cost
  • Europe: R4,200
  • North America: R9,800
  • Asia: R2,100
Covered by insurance
Up to R2,000,000
Table of medical treatment costs and insurance coverage.

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.

In addition to medical emergencies, short term travel insurance often covers trip cancellation, interrupted journeys, lost or delayed luggage, civil liability, emergency repatriation and 24-hour assistance.

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Good to know

Your bank's free cover won't handle a R450,000 appendicitis bill in the USA. Protect your trip and your savings from massive overseas medical costs. A simple policy from a provider like Chapka ensures you're covered for millions, not just thousands, for complete peace of mind.

How to Choose the Right short term Travel Insurance

The details of short term travel insurance policies can vary greatly, especially regarding coverage limits and what events are included or excluded. That is why comparing primary features is necessary before choosing the right protection for your next trip.

CriterionWhy it mattersExpert tip
💶 Reimbursement limitsLimits determine how much the insurer pays for claims like medical emergenciesEnsure your policy offers at least R1,000,000 for medical expenses for international travel
📉 DeductibleYou are responsible for this amount before insurance covers costsA low deductible can help you avoid large out-of-pocket expenses in foreign countries
📋 Policy conditionsExclusions, notification periods, or medical screening may impact claimsRead all policy documentation, paying special attention to exclusions and claim requirements
👵 Traveller’s agePremiums and eligibility can change substantially for older travelersIf over 65, check for extra requirements or higher premiums, especially for health cover
👨‍👩‍👧 Traveller profileGroup size and ages impact both premium and available benefitsIf traveling with family, compare group policy discounts and shared benefits
📆 Trip durationPolicies last for set periods and may not cover extensionsBe sure your entire trip is within the covered duration and check rules for trip extensions
🌍 Geographic areaPolicies can exclude specific countries or offer different levels of cover by regionCheck that all your destinations are included, especially if traveling to multiple countries
🛡️ Existing coverageHealth insurance or bank cards may include limited overseas coverReview your current coverage, then select a policy that closes any critical protection gaps
🧗 Planned activitiesAdventure, work, or sports may be excluded or require add-on coverageDeclare all adventure or high-risk activities in advance to avoid exclusions or reduced cover
Key criteria for selecting travel insurance, why each is important, and expert tips.
💶 Reimbursement limits
Why it matters
Limits determine how much the insurer pays for claims like medical emergencies
Expert tip
Ensure your policy offers at least R1,000,000 for medical expenses for international travel
📉 Deductible
Why it matters
You are responsible for this amount before insurance covers costs
Expert tip
A low deductible can help you avoid large out-of-pocket expenses in foreign countries
📋 Policy conditions
Why it matters
Exclusions, notification periods, or medical screening may impact claims
Expert tip
Read all policy documentation, paying special attention to exclusions and claim requirements
👵 Traveller’s age
Why it matters
Premiums and eligibility can change substantially for older travelers
Expert tip
If over 65, check for extra requirements or higher premiums, especially for health cover
👨‍👩‍👧 Traveller profile
Why it matters
Group size and ages impact both premium and available benefits
Expert tip
If traveling with family, compare group policy discounts and shared benefits
📆 Trip duration
Why it matters
Policies last for set periods and may not cover extensions
Expert tip
Be sure your entire trip is within the covered duration and check rules for trip extensions
🌍 Geographic area
Why it matters
Policies can exclude specific countries or offer different levels of cover by region
Expert tip
Check that all your destinations are included, especially if traveling to multiple countries
🛡️ Existing coverage
Why it matters
Health insurance or bank cards may include limited overseas cover
Expert tip
Review your current coverage, then select a policy that closes any critical protection gaps
🧗 Planned activities
Why it matters
Adventure, work, or sports may be excluded or require add-on coverage
Expert tip
Declare all adventure or high-risk activities in advance to avoid exclusions or reduced cover
Key criteria for selecting travel insurance, why each is important, and expert tips.
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Is short term travel insurance covered by my existing policies?

It is reasonable to wonder if your existing coverage, such as a credit card or medical scheme, provides short term travel insurance, but unfortunately, it is often insufficient. Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceShort term travel insurance included?What it coversWhy Travel Insurance is better
Public health insurance (GEMS)NeverEmergency care in South Africa only, up to R25,000 per case.
No international medical care, trip cancellation, delay, or baggage protection.
Travel insurance covers medical, repatriation, and baggage up to R2,000,000 worldwide per trip.
Private health insurance (Discovery Health, Bonitas Medical Fund)Almost NeverEmergency treatment abroad max R50,000 to R100,000.
No cancellation, personal liability, or travel accident coverage for international trips.
Travel insurance covers accidents, delays, and trip interruptions up to R100,000 and more per claim.
Classic credit card (FNB Gold, ABSA Gold)Almost NeverEmergency medical abroad up to R100,000, limited baggage (R3,000).
No trip interruption, cancellation, or travel delay reimbursement.
Travel insurance includes cancellation, delays, and full repatriation up to R1,000,000 per covered event.
Premium credit card (Nedbank Private Wealth, Standard Bank Platinum)Limited coverageMedical emergencies up to R500,000, baggage or delay up to R2,000.
No broad trip cancellation, travel accident, or repatriation benefits.
Travel insurance provides emergency care, trip cancellation, and baggage cover up to R2,000,000 per policy.
Public health insurance (GEMS)
Short term travel insurance included?
Never
What it covers
Emergency care in South Africa only, up to R25,000 per case.
No international medical care, trip cancellation, delay, or baggage protection.
Why Travel Insurance is better
Travel insurance covers medical, repatriation, and baggage up to R2,000,000 worldwide per trip.
Private health insurance (Discovery Health, Bonitas Medical Fund)
Short term travel insurance included?
Almost Never
What it covers
Emergency treatment abroad max R50,000 to R100,000.
No cancellation, personal liability, or travel accident coverage for international trips.
Why Travel Insurance is better
Travel insurance covers accidents, delays, and trip interruptions up to R100,000 and more per claim.
Classic credit card (FNB Gold, ABSA Gold)
Short term travel insurance included?
Almost Never
What it covers
Emergency medical abroad up to R100,000, limited baggage (R3,000).
No trip interruption, cancellation, or travel delay reimbursement.
Why Travel Insurance is better
Travel insurance includes cancellation, delays, and full repatriation up to R1,000,000 per covered event.
Premium credit card (Nedbank Private Wealth, Standard Bank Platinum)
Short term travel insurance included?
Limited coverage
What it covers
Medical emergencies up to R500,000, baggage or delay up to R2,000.
No broad trip cancellation, travel accident, or repatriation benefits.
Why Travel Insurance is better
Travel insurance provides emergency care, trip cancellation, and baggage cover up to R2,000,000 per policy.
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Expert advice

Your bank card or medical aid often excludes trip interruptions for a family emergency. Read the conditions carefully to avoid nasty surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.

FAQ

Is short term travel insurance mandatory?

Short term travel insurance is not required for all international trips, but it is mandatory when visiting certain countries—such as Schengen states, which require proof of medical cover for a visa. Even where not required, it is strongly recommended; for example, if you suffer a medical emergency while on holiday in the USA, costs can exceed R200,000, making travel insurance essential for financial protection.

When is it recommended to purchase short term travel insurance?

You should purchase short term travel insurance as soon as you book your flights or place deposits on accommodations. Early acquisition ensures you’re covered for incidents like trip cancellation, illness, or unexpected emergencies that could affect your travel plans before departure, maximising the value and security of your insurance.

How do I purchase short term travel insurance?

Begin by comparing policies and rates using HelloSafe’s travel insurance comparison platform. Carefully check the guarantees and exclusions for short term trips, as medical limits and adventure activity rules often differ. Once you select a policy, buy it online and receive your insurance certificate instantly by email for travel documentation.

Can I purchase short term travel insurance after booking my trip?

Yes, you can buy short term travel insurance after booking your travels, as long as you complete the purchase before your departure. For optimal coverage—particularly regarding trip cancellation or disruptions—it is best to secure your policy as soon as possible after your first booking to avoid risky gaps in protection.

How do I make a claim on a short term travel insurance policy?

To make a claim, contact your insurer’s assistance line or claim portal immediately, providing your policy number, receipts, and supporting documentation such as medical or police reports if needed. Most leading insurers in South Africa have digital claim systems for quicker processing, making it easier to access support while travelling.

Does short term travel insurance cover adventure or sports activities?

Many short term travel insurance policies do not automatically cover adventure sports like scuba diving or skiing. Always check if your planned activities are included and consider adding a specialist extension if necessary, as non-disclosure may result in rejected claims for related injuries or incidents.

Is my South African medical aid enough for short term travel abroad?

Most South African medical aids offer very limited international coverage, usually only for emergencies and with low caps (R25,000–R100,000). Short term travel insurance offers much broader protection—including emergency evacuation, repatriation, and cover for lost baggage—which is crucial for full peace of mind when travelling internationally.

Is short term travel insurance mandatory?

Short term travel insurance is not required for all international trips, but it is mandatory when visiting certain countries—such as Schengen states, which require proof of medical cover for a visa. Even where not required, it is strongly recommended; for example, if you suffer a medical emergency while on holiday in the USA, costs can exceed R200,000, making travel insurance essential for financial protection.

When is it recommended to purchase short term travel insurance?

You should purchase short term travel insurance as soon as you book your flights or place deposits on accommodations. Early acquisition ensures you’re covered for incidents like trip cancellation, illness, or unexpected emergencies that could affect your travel plans before departure, maximising the value and security of your insurance.

How do I purchase short term travel insurance?

Begin by comparing policies and rates using HelloSafe’s travel insurance comparison platform. Carefully check the guarantees and exclusions for short term trips, as medical limits and adventure activity rules often differ. Once you select a policy, buy it online and receive your insurance certificate instantly by email for travel documentation.

Can I purchase short term travel insurance after booking my trip?

Yes, you can buy short term travel insurance after booking your travels, as long as you complete the purchase before your departure. For optimal coverage—particularly regarding trip cancellation or disruptions—it is best to secure your policy as soon as possible after your first booking to avoid risky gaps in protection.

How do I make a claim on a short term travel insurance policy?

To make a claim, contact your insurer’s assistance line or claim portal immediately, providing your policy number, receipts, and supporting documentation such as medical or police reports if needed. Most leading insurers in South Africa have digital claim systems for quicker processing, making it easier to access support while travelling.

Does short term travel insurance cover adventure or sports activities?

Many short term travel insurance policies do not automatically cover adventure sports like scuba diving or skiing. Always check if your planned activities are included and consider adding a specialist extension if necessary, as non-disclosure may result in rejected claims for related injuries or incidents.

Is my South African medical aid enough for short term travel abroad?

Most South African medical aids offer very limited international coverage, usually only for emergencies and with low caps (R25,000–R100,000). Short term travel insurance offers much broader protection—including emergency evacuation, repatriation, and cover for lost baggage—which is crucial for full peace of mind when travelling internationally.

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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