JOIN OUR WHATSAPP GROUP. CLICK HERE

Top 10 Best Travel Insurance Companies in South Africa

When you’re travelling, having a high-quality travel insurance policy gives you piece of mind. You may let go of any worries and fully enjoy that eagerly anticipated, well-deserved vacation knowing that you’ll be financially protected if something goes wrong.

In this article, we’ll tell you which businesses provide the top travel insurance for South Africans and what makes their insurance plans unique. Local travellers like all of these service providers, but each offers a different set of advantages.

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: [email protected]

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: [email protected]

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: [email protected]

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