Medical emergencies, cancellations, and baggage for business and leisure.
Travel insurance covers what your local policies stop covering the moment you leave the country: emergency medical, evacuation, cancellation, lost baggage, and liability while you're abroad. If you travel often, an annual policy usually costs less than buying cover trip by trip.
We arrange travel cover for single trips, annual policies, and corporate schemes, and we handle the claim when something goes wrong far from home.
Overseas treatment, hospital stays, and emergency evacuation or repatriation home. This is by far the biggest bill you can run up abroad.
Money you can't get back when a trip is cancelled or cut short for a covered reason.
Lost, stolen, or damaged luggage, plus cover for the essentials while your bags are delayed.
Payouts for long delays and missed connections, plus the cost of alternative transport.
Third-party cover if you accidentally injure someone or damage property while travelling.
As many trips as you like in a year under one policy. Once you travel more than twice a year, it usually beats buying single-trip cover each time.
Family holidays, adventure trips, and long stays, with cover sized to where you're going, how long for, and what you'll be doing there.
Annual cover for frequent trips at home and abroad, with corporate add-ons for equipment and political-risk evacuation.
Gap years, studying abroad, and long stays that run past what a short-trip policy will 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 thin: low medical limits, a long list of excluded activities, and not much on cancellation. Fine as a backup, rarely enough on its own, especially for overseas trips or anything adventurous.
Pre-existing conditions you didn't declare, high-risk activities you didn't list (extreme sports, motor racing), travel against an official advisory, and anything that happened while you were under the influence. Read the exclusions before you go.
Travel twice a year or more and annual cover is almost always cheaper, and it picks up unplanned trips automatically. For one big trip a year, a single-trip policy sized to that journey is usually better value.
If you're seriously ill or hurt abroad, an air-ambulance evacuation can run to hundreds of thousands of rand. It's the most important line on a travel policy, and for a lot of people it's the whole reason to buy one.
Call the policy's 24/7 assistance line first, not us. They authorise treatment, arrange evacuation, and deal with the local hospital. We pick up the paperwork once you're home.
A named advisor will walk through your current cover, flag likely gaps, and outline where the market is pricing competitively.