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.
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.
Call: 086 149 0100
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.
Call: 086 122 7284
Email: absatravel@brytesa.com
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.
Call: 086 111 4494
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.
Call: 086 010 0491
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.
Call: 087 195 0581
Email: travelza@allianz-assistance.com
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.
Call: 086 099 8877
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.
Call: 011 521 4000
Email: helpdesk@tic.co.za
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.
Browse this informative brochure.
Call: 086 000 1121
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.
Call: 086 145 5738
Email: travelinsurance@hollardti.co.za.
MoneyToday South Africa is a financial website aims to assist consumers with comprehensive information on personal finance, loans, insurance, investment opportunities, financial guides, tips and comparison of a large number of finance and insurance companies on the South African market.
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