Top 10 Best Travel Insurance Companies in South Africa 2020

Top 10 Best Travel Insurance Companies in South Africa

Owning a good quality travel insurance policy gives peace of mind when you’re on a trip. You can throw any fears overboard and thoroughly relish that long-awaited, much-deserved holiday, knowing that you’ll be financially covered if anything goes wrong.

In this post, we’ll tell you which companies offer the best travel insurance for South Africans, and what stands out about their travel insurance packages. All of these providers are favorites among local travelers… but they feature different benefits.

1. FNB Travel Insurance

FNB’s travel insurance package is simple and covers the essentials. They offer:

  • R10 million cover for medical expenses.
  • A personal liability cover of up to R2.5 million.
  • Cover in the event of accidental death, total permanent disablement, cancellations, delays, situations involving pre-existing medical conditions, and lost, stolen or damaged baggage.

They have a special package for clients between 71 and 85 years of age.

Top benefit: the high amounts they’ll payout in the case of a medical emergency.

Visit their website.

Call: 086 149 0100

2. Nedbank Travel Insurance

Nedbank cardholders enjoy some automatic limited insurance, but you can upgrade your travel insurance package for a fee. Nedbank travel insurance covers:

  • Baggage loss or delays
  • Missed connections
  • Ticket upgrades
  • Emergency medical cover
  • Pre-existing medical conditions.

They also offer a special package for clients between 75 and 85 years of age.

Top benefit: the automatic insurance you get by being a cardholder.

Visit their website.

Call: 086 088 5501

3. ABSA Travel Insurance

ABSA also boasts some automatic, basic cover for clients who use their ABSA credit card to purchase their air tickets. You can order a “top-up” cover to gain full insurance. This will cover:

  • Trips up to 184 days long
  • Hazardous activities
  • Pre-existing medical conditions
  • Medical emergencies
  • Personal accidents
  • Baggage loss or theft
  • Legal expenses
  • Hi-jacking
  • Wrongful detention
  • Loss of money
  • Loss of passport

Clients between 70 and 74 years get to enjoy a special package.

Top benefit: cover is more comprehensive than other banks offer.

Visit their website.

Call: 086 122 7284

Email: absatravel@brytesa.com

4. Standard Bank Travel Insurance

If you have a Standard Bank credit, VISA or cheque card, you get automatic, limited travel insurance for up to 90 days. Or, you can pay extra to enjoy full coverage. Here’s what Standard Bank travel insurance will pay out for:

  • Trips lasting up to 180 days
  • Pre-existing medical conditions
  • Medical emergencies, including those caused by acts of terrorism
  • Death or permanent total disability
  • Visit by a family member during an emergency
  • Return of stranded child or travel companion
  • Hijacking
  • Baggage delay
  • Travel delay
  • Legal fees to third parties

Top benefits: they provide excellent help for a medical emergency or if someone becomes stranded.

Visit their website.

Call: 086 111 4494

5. AIG Travel Insurance

AIG is a US-based insurance company that’s been operating in South Africa for nearly fifty years. They offer several different packages. The most basic one covers:

  • Trip cancellation
  • Trip interruption
  • Baggage loss or delay
  • Medical emergencies
  • Pre-existing conditions
  • Medical evacuations
  • Car rentals
  • 24-hour assistance

Deluxe packages may include options like pet insurance, security evacuation and dental emergencies.

Top benefits: large global reach, loads of variation regarding the package you can purchase.

Pick a package and fill out an online questionnaire to receive a quote.

Visit their website.

Call: 086 010 0491

6. Allianz Travel Insurance

According to their website, Allianz offers insurance plus risk consultancy to a wide variety of clients across many countries. They have a range of unique travel insurance policies, including one tailored for clients who want to travel in Europe’s Schengen region and one for travelers who will be enjoying winter sports.

Here’s what their popular Single Trip Travel Insurance will cover:

  • Trip cancellations, delay or curtailment
  • Emergency medical expenses
  • Emergency medical evacuation
  • Repatriation of mortal remains
  • Dental expenses
  • Hospital cash
  • Emergency family travel
  • Loss of personal money
  • Baggage delay and loss
  • Valuables
  • Personal accident or disability
  • Permanent total disablement
  • Missed departure
  • Personal liability
  • Mugging

Top benefits: highly comprehensive coverage, specialised insurance packages tailored for unique situations.

Pick a package and fill out an online questionnaire to receive a quote.

Visit their website.

Call: 087 195 0581

Email: travelza@allianz-assistance.com

7. Discovery Travel Insurance

As a health insurance provider, Discovery will pay out for medical emergencies while you’re traveling, if you’re subscribed to certain plans. They’ll only cover medical emergencies and won’t payout if you’ve been traveling for over 90 days or have an emergency relating to a pre-existing condition.

Top benefit: this coverage is automatic on most Discovery medical insurance plans, so if you have an account with Discovery, you may already be covered for medical emergencies when travelling.

Visit their website.

Call: 086 099 8877

8. Santam Travel Insurance

Santam is a locally based insurance provider who knows how to care for their South African clients. Santam travel insurance may cover:

  • Emergency medical expenses
  • 24-hour emergency assistance
  • Journey cancellation or curtailment
  • Repatriation
  • Evacuation
  • Accidental death or disablement
  • Personal liability
  • Loss of luggage, documents or cash
  • Hijacking
  • Hostage situations
  • Wrongful arrest
  • Travel supplier insolvency

Top benefit: they’re local but offer more travel insurance coverage than local banks.

Get a quote.

Visit their website.

Call: 011 521 4000

Email: helpdesk@tic.co.za

9. Bryte Travel Insurance

Bryte may be a new name in the insurance and risk management industry, but the Bryte team is wonderfully capable and accomplished. When it comes to travel insurance, Bryte offers a variety of packages, including a plan specific to teens, and a plan for people traveling within South Africa. Their premium package covers:

  • Emergency medical expenses, including those arising from terrorism or hazardous activities
  • Pre-existing conditions
  • Medical evacuation
  • Optical and dental expenses
  • Hospital cash and refund of emergency telephone charges
  • Holiday disruption
  • Death and permanent total disability
  • Cash transfer advice
  • Embassy and consular referral
  • Visit by family member
  • Return of stranded child or travel companion
  • Legal assistance and fees to the third party
  • Assistance for spouse or travel companion on a cruise
  • Burial, cremation or return of mortal remains plus coffin expenses
  • Trip cancellation, postponement or curtailment
  • Baggage theft, loss, damage or delay
  • Certain valuables
  • Bank card fraud
  • Theft of money, cheques, bank cards, money orders, passports or travel documents
  • Travel delays and alternative travel, with ticket upgrades in the case of long delays
  • Missed connection with additional car parking and lounge access
  • Missed event or activity
  • Hijack, kidnap and wrongful detention
  • Natural disaster evacuation and accommodation
  • Identity fraud
  • Travel supplier insolvency
  • Certain additional expenses
  • Missed port or cabin confinement

Top benefit: packages are tailored, comprehensive and highly practical.

Apply online.

Visit their website.

Browse this informative brochure.

Call: 086 000 1121

10. Hollard Travel Insurance

Hollard is another large, privately owned local insurer. Children are insured for free, and they offer group discounts. They cover:

  • Any of the 31 pre-existing medical conditions named on their list.
  • 101 different sports and activities
  • Cruise travel
  • Medical emergencies
  • Trip cancellations
  • Late flights
  • Missed connections
  • Theft or damage to belongings
  • Legal liability
  • Poor weather
  • Strikes
  • Delayed luggage
  • Accidental death
  • Permanent disability
  • Repatriation of mortal remains
  • Unexpected terrorist attacks

Top benefits: they offer wonderfully comprehensive coverage, free kids’ coverage and group discounts.

Get a travel insurance quote.

Visit their website.

Call: 086 145 5738

Email: travelinsurance@hollardti.co.za.

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