Medical emergencies, cancellations, and baggage for business and leisure.
Travel insurance covers what local policies won't once you're out of the country — emergency medical, evacuation, cancellation, baggage, and liability while abroad. For frequent travellers, annual cover usually works out cheaper than buying per trip.
We place travel cover for single trips, annual policies, and corporate schemes — and help with claims when something goes wrong mid-trip, which is usually when it happens.
Overseas treatment, hospitalisation, and emergency evacuation or repatriation — the largest cost abroad by a wide margin.
Non-refundable costs when a trip is cancelled or cut short for covered reasons.
Loss, theft, or damage to luggage, plus delayed-baggage cover for essentials.
Compensation for extended delays, missed connections, and alternative transport.
Third-party cover if you accidentally injure someone or damage property while travelling.
Unlimited trips within a year under one policy — usually cheaper than separate single-trip cover once you travel more than twice a year.
Family holidays, adventure trips, and extended stays. Cover scaled to destination, duration, and activities.
Annual cover for frequent domestic and international trips, with corporate extensions for equipment and political-risk evacuation.
Gap years, studies abroad, and extended stays — beyond what short-trip policies cover.
We analyse your risk profile in depth — exposures, loss history, contractual obligations, and strategic priorities — so the placement reflects your actual business, not a template.
We structure and negotiate terms across our panel of domestic and international insurers, selecting wordings and limits calibrated to the specific risks identified.
Through the life of the programme we manage renewals, mid-term changes, and claims — acting on your behalf in every conversation with the insurer.
Credit-card cover is usually basic — low medical limits, many activities excluded, and limited cancellation cover. Useful as a backup, rarely adequate on its own, especially for international trips or adventure activities.
Pre-existing conditions (unless declared), high-risk activities not listed (extreme sports, motor racing), travel against official advisories, and claims where you were under the influence. Reading exclusions before you travel matters.
If you travel twice a year or more, annual is almost always cheaper. It also covers unplanned trips automatically. For one big trip a year, single-trip sized to the actual journey is usually better value.
If you're seriously ill or injured abroad, evacuation by air ambulance costs tens of thousands of dollars. It's the single most important line on a travel policy and the main reason to buy one.
Call the policy's 24/7 assistance number first — not us. They authorise treatment, arrange evacuation, and liaise with local hospitals. We handle the admin once you're home.
A named advisor will walk through your current cover, flag likely gaps, and outline where the market is pricing competitively.