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International Travel Insurance

Comprehensive International Travel Insurance

Around the world excluding USA and Canada

Protect your trip with comprehensive travel insurance for ages up to 70 years (inclusive). Covers: medical expenses, trip interruptions, delays, accidents, baggage loss and theft, and more!

Schedule of Benefits

Schedule of Benefits
1. EMERGENCY MEDICAL AND RELATED EXPENSES
1.1. Emergency Medical Expenses R 20 000 000
- Adventure sports/Hazardous activities R 2 000 000
- Pre-existing medical conditions (Declared) R 1 000 000
- Terrorism R 500 000
- Medical evacuation, repatriation or transportation Actual Expense
1.2. Medical Related Expenses
1.2.1. Optical expenses R 10 000
1.2.2. Provisional pain-stilling dental treatment R 10 000
1.2.3. Accompanying family member Actual Expense
1.2.4. Compassionate emergency visit by any one person R 15 000
1.2.5. Repatriation of mortal remains and coffin expenses Actual Expense
1.2.6. Hospital Cash Benefit R3,000
1.2.7. Follow up treatment in your country of residence R 5 000
2. PERSONAL ACCIDENT
Death and Permanent Disability Benefit R 500 000
3. ASSISTANCE SERVICES
3.1. Cash advance, legal, accommodation, trauma Line and more Included
4. TRIP CANCELLATION AND INTERRUPTION
4.1. Cancellation & Curtailment (specific reasons) R 20 000
- Visa denied R 15 000
- Travel Supplier Insolvency Cover R 25 000
- Cancellation for ANY reason R 10 000
4.2. Postponement of your journey (specific reasons) R 10 000
4.3. Travel delay R 1 000
4.4. Missed connection (Min. 1 hour connecting time) R 7 500
4.5. Natural Disaster Cover - Accommodation destroyed R 3 000
5. INCONVENIENCE COVER
5.1. Theft or Damage to Baggage or Personal Items R 20 000
- Single item limit R 5 000
5.2. Accidental Loss of Personal Items R 5 000
- Single item limit R 1 250
5.3. Loss of Cash and/or Travel Documents R 1 000
5.4. Baggage Delay (delayed for 4 hours or more) R 1 000
6. PERSONAL LIABILITY
Civil liability for injury or loss caused to third party R 1 000 000
7. KIDNAP AND WRONGFUL DETENTION)
Kidnap R 500 000
Wrongful Detention R 50 000

Important Information

Refer to the Policy Terms & Conditions for additional information.

1. Medical Expenses

  • Excludes vascular, cardiovascular and cerebrovascular conditions or undeclared and unaccepted pre-existing medical conditions.
  • Excludes cover for some adventure sports/hazardous activities (see policy terms and conditions).
  • Excludes cover for accidents while driving a motor cycle or scooter if you do not hold a valid motor cycle license and do not wear a helmet.
  • Excludes cover for pregnancy, childbirth and related conditions after the 25th week of pregnancy.

2. Personal Accident

  • Excluded if you exceed the age of 67 years
  • Excluded while participating in hazardous activities/adventure sports or manual labour.

3. Baggage

  • Single item limits apply to baggage and personal items.
  • Loss, theft or damage to baggage and items due to an airline carrier, rail or coach operator must be reported to them before you leave the terminal or airport.
  • Loss, theft of or damage to personal items due to theft or vandalism must be reported to a local police station within 24 hours of the incident.
  • Accidental loss of baggage or items is only covered if you can provide proof of the incident (e.g. affidavit) and proof of ownership or purchase.
  • We will reimburse essential expenses incurred if your baggage is delayed by 4 hours or more.

4. Cancellation, Curtailment and Postponement

  • Covers irrecoverable expenses incurred if you cannot travel, need to return early or are postponed due to:
    • Visa denied (must meet visa requirements)
    • Travel supplier insolvency
    • Unexpected illness, injury or death to yourself, relative or travel companion
    • Terrorist incident in your destination city less than 14 days prior to departure date
    • Retrenchment / being made redundant
    • Compulsory quarantine
    • Damage or burglary affecting your home (theft loss exceeds R10 000)
  • Excludes causes related to pre-existing medical conditions.

5. Cancellation for ANY REASON

  • Policy must be purchased within 24 hours of airline ticket
  • Ticket or trip must be cancelled 48 hours or more before departure
  • You were not aware of the reason at the time you bought your policy

6. Travel Delay

  • Covers essential expenses incurred for food and accommodation due to scheduled public transport delayed for 4 hours or more due to strike, bad weather, mechanical breakdown, security alert or terrorist incident.

7. Missed connection

  • If you miss a connecting flight due to the delay of the incoming flight we will pay for you to continue your original itinerary.

8. Natural disaster cover

  • If your prepaid accommodation is destroyed due to a natural disaster, we will pay for the unused accommodation and the additional accommodation expenses for new alternative accommodation.

Contact information

General Enquiries: info@hepstar.com / Tel number: +27 (0)11 929 3185

Reimbursement Claims: ClaimsInternational@hepstar.com

Emergency Claims: Europ Assistance Tel: +27 (0)11 991 8731

 

  • Policy Certificate
  • Policy Terms and Conditions

This product is underwritten by Guardrisk Insurance Company Limited, a registered short-term insurance provider and authorised financial services provider. Intermediary services are provided by Travelstart Online Travel Operations (Pty) Ltd and Hepstar Financial Services (Pty) Ltd, authorised financial services providers. 

For Usa and Canada

Protect your trip with comprehensive travel insurance for ages up to 70 years (inclusive). Covers: medical expenses, trip interruptions, delays, accidents, baggage loss and theft, and more!

Comprehensive multi-risk travel protection for ages up to 70 years.

Schedule of Benefits

Schedule of Benefits
1. EMERGENCY MEDICAL AND RELATED EXPENSES
1.1. Emergency Medical Expenses R 20 000 000
- Adventure sports/Hazardous activities R 2 000 000
- Pre-existing medical conditions (Declared) R 1 000 000
- Terrorism R 500 000
- Medical evacuation, repatriation or transportation Actual Expense
1.2. Medical Related Expenses
1.2.1. Optical expenses R 10 000
1.2.2. Provisional pain-stilling dental treatment R 10 000
1.2.3. Accompanying family member Actual Expense
1.2.4. Compassionate emergency visit by any one person R 15 000
1.2.5. Repatriation of mortal remains and coffin expenses Actual Expense
1.2.6. Hospital Cash Benefit R3,000
1.2.7. Follow up treatment in your country of residence R 5 000
2. PERSONAL ACCIDENT
Death and Permanent Disability Benefit R 500 000
3. ASSISTANCE SERVICES
3.1. Cash advance, legal, accommodation, trauma Line and more Included
4. TRIP CANCELLATION AND INTERRUPTION
4.1. Cancellation & Curtailment (specific reasons) R 20 000
- Visa denied R 15 000
- Travel Supplier Insolvency Cover R 25 000
- Cancellation for ANY reason R 10 000
4.2. Postponement of your journey (specific reasons) R 10 000
4.3. Travel delay R 1 000
4.4. Missed connection (Min. 1 hour connecting time) R 7 500
4.5. Natural Disaster Cover - Accommodation destroyed R 3 000
5. INCONVENIENCE COVER
5.1. Theft or Damage to Baggage or Personal Items R 20 000
- Single item limit R 5 000
5.2. Accidental Loss of Personal Items R 5 000
- Single item limit R 1 250
5.3. Loss of Cash and/or Travel Documents R 1 000
5.4. Baggage Delay (delayed for 4 hours or more) R 1 000
6. PERSONAL LIABILITY
Civil liability for injury or loss caused to third party R 1 000 000
7. KIDNAP AND WRONGFUL DETENTION)
Kidnap R 500 000
Wrongful Detention R 50 000

Important Information

Refer to the Policy Terms & Conditions for additional information.

1. Medical Expenses

  • Excludes vascular, cardiovascular and cerebrovascular conditions or undeclared and unaccepted pre-existing medical conditions.
  • Excludes cover for some adventure sports/hazardous activities (see policy terms and conditions).
  • Excludes cover for accidents while driving a motor cycle or scooter if you do not hold a valid motor cycle license and do not wear a helmet.
  • Excludes cover for pregnancy, childbirth and related conditions after the 25th week of pregnancy.

2. Personal Accident

  • Excluded if you exceed the age of 67 years
  • Excluded while participating in hazardous activities/adventure sports or manual labour.

3. Baggage

  • Single item limits apply to baggage and personal items.
  • Loss, theft or damage to baggage and items due to an airline carrier, rail or coach operator must be reported to them before you leave the terminal or airport.
  • Loss, theft of or damage to personal items due to theft or vandalism must be reported to a local police station within 24 hours of the incident.
  • Accidental loss of baggage or items is only covered if you can provide proof of the incident (e.g. affidavit) and proof of ownership or purchase.
  • We will reimburse essential expenses incurred if your baggage is delayed by 4 hours or more.

4. Cancellation, Curtailment and Postponement

  • Covers irrecoverable expenses incurred if you cannot travel, need to return early or are postponed due to:
    • Visa denied (must meet visa requirements)
    • Travel supplier insolvency
    • Unexpected illness, injury or death to yourself, relative or travel companion
    • Terrorist incident in your destination city less than 14 days prior to departure date
    • Retrenchment / being made redundant
    • Compulsory quarantine
    • Damage or burglary affecting your home (theft loss exceeds R10 000)
  • Excludes causes related to pre-existing medical conditions.

5. Cancellation for ANY REASON

  • Policy must be purchased within 24 hours of airline ticket
  • Ticket or trip must be cancelled 48 hours or more before departure
  • You were not aware of the reason at the time you bought your policy

6. Travel Delay

  • Covers essential expenses incurred for food and accommodation due to scheduled public transport delayed for 4 hours or more due to strike, bad weather, mechanical breakdown, security alert or terrorist incident.

7. Missed connection

  • If you miss a connecting flight due to the delay of the incoming flight we will pay for you to continue your original itinerary.

8. Natural disaster cover

  • If your prepaid accommodation is destroyed due to a natural disaster, we will pay for the unused accommodation and the additional accommodation expenses for new alternative accommodation.

Contact information

General Enquiries: info@hepstar.com / Tel number: +27 (0)11 929 3185

Reimbursement Claims: ClaimsInternational@hepstar.com

Emergency Claims: Europ Assistance Tel: +27 (0)11 991 8731

 

  • Policy Certificate
  • Policy Terms and Conditions

This product is underwritten by Guardrisk Insurance Company Limited, a registered short-term insurance provider and authorised financial services provider. Intermediary services are provided by Travelstart Online Travel Operations (Pty) Ltd and Hepstar Financial Services (Pty) Ltd, authorised financial services providers. 

 

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12 Dec 2018 - 20 Dec 2018

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