International Travel Insurance

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International Travel Insurance

Protect your trip with Schengen Visa approved travel insurance for ages up to 79 years. Covers emergency medical expenses, personal accident, loss and theft, cancellation and travel delays + more.

Schedule of Benefits

Territorial Limits South Africa
SECTION 1: Emergency Medical and Related Expenses
1.1 Medical expenses R 20 000 000
Limits for ages 70 - 79 years R 1 000 000
Adventure Cover Limit R 2 000 000
Limit for ages 70 - 79 years Nil
Medical Excess R500 outpatient
1.2 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 (R500 per day)
1.2.7. Follow up treatment in your country of residence R 5 000
1.3. Medical Expenses due to Terrorism R 500 000
1.4. Pre-Existing Medical Conditions R 500 000
Limit - Ages 70 - 79 years Nil
Pre-Existing Excess Hospitalisation of 48 hrs
1.5. Medical Evacuation, Repatriation or Transportation to a Medical Centre Actual Expense
SECTION 2: PERSONAL ACCIDENT
No cover while participating in Hazardous Activities/Adventure Sports/Manual Labour
Death and Permanent Disability R 500 000
SECTION 3: Assistance Services
3.1. Cash Advances Assistance
3.2. Emergency travel and accommodation arrangements Assistance
3.3. Transmission of urgent messages Assistance
3.4. Alternative employee or resumption of assignment Nil
3.5. Legal Assistance R 15 000
3.6. 24 Hour Nurse Line Assistance
3.7. Consular referral Assistance
3.8. Household Assist Assistance
3.9. Trauma Line Assistance
SECTION 4: Journey Cancellation and Interruption
4.1. Cancellation (specific reasons as per Section 4.1.) R 20 000
4.2. Cutting your journey short after it has started R 20 000
4.3. Cancellation due to visa application being denied R 15 000
4.4. Cancellation for any reason R 10 000
4.5. Postponement of your journey R 10 000
4.6. Travel Supplier Insolvency Cover R 25 000
4.7. Travel delay (delayed for 4 hours or more) R 1 000
4.8. Security travel delay R 1 000
4.9. Missed connection (Min. 3 hr connecting time) R 7 500
4.10. Natural Disaster Cover R 3 000
SECTION 5: Inconvenience Cover
5.1. Theft or Damage to Baggage R 20 000
Accidental Loss of Personal Effects R 5 000
Single item limit on baggage and personal Items R 5 000
Single item limit on accidental loss of baggage and personal Items R 1 250
Single item limit for contact lenses, prescription spectacles, sunglasses R 500
Single item limit for personal computers and similar electronic equipment R 5 000
Single item limit for cellular phones R 5 000
5.2 Loss of Cash and/or Travel Documents R 1 000
5.3. Baggage Delay (delayed for 4 hours or more) R 1 000
SECTION 6: Personal Liability R 1 000 000
SECTION 7: Hijack of Public Transportation (more than 24 hours) R30,000 (R1,000 per day)
SECTION 8: Kidnap and Wrongful Detention
Kidnap R 500 000
Wrongful Detention R 50 000
SECTION 9: Excess Waiver Included

*Children under the age of 12 years are included under the adult’s policy and share in the cover provided. This means that if the Cancellation benefit is R20,000, each adult is covered for R20,000, but the child/ren share in the total limit of R40,000.

Important Information

  1. There is no cover for vascular, cardiovascular and cerebrovascular conditions or any other pre-existing medical condition for anyone over the age of 69 years.
  2. Adventure Sports cover is provided, but there are some activities that we will not cover. Please check the policy terms and conditions to make sure you are covered for any activities you may participate in or call us on 0861 900 801.
  3. Scooter and motor cycle driving is covered provided the engine capacity is below 200cc. You must have a valid motor cycle licence (including when driving a scooter) and you must wear a helmet. If you do not hold a motor cycle license and do not wear a helmet and you are injured in an accident while driving a motor cycle or scooter, you will not be covered for any medical expenses incurred.
  4. There is no cover under the Personal Accident benefit while participating in an adventure activity.
  5. Pregnancy, childbirth and any pregnancy related conditions are excluded after the 25th week of pregnancy.
  6. Loss of or damage to baggage and personal items due to an airline carrier, rail or coach operator must be reported to them before you leave the terminal or airport.
  7. Loss 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.
  8. Accidental loss of personal items will only be covered if proof of the incident (e.g. affidavit) is provided and proof of ownership or purchase is provided.
  9. There are single item limits for baggage and personal items, please take note of these in your Schedule of Benefits and ensure that any valuable items are insured on an All Risk policy.
  10. Wilful and foreseen exposure to war and terrorism is excluded.

What You Are Covered For

Emergency and Medical Related Expenses

This essential benefit provides cover for unexpected illness or injury. This will cover out-patient treatment, hospitalisation, evacuation, repatriation and return of mortal remains.

Personal Accident Cover

This benefit pays out a cash benefit for death or permanent disablement due to an accident.

Assistance Services

Europ Assistance provides some added value assistance services in certain emergencies, such as cash advances, legal assistance and household assist.

Cancellation and Journey Interruption

  1. Cancellation of your insured journey before it starts covers irrecoverable pre-paid expenses if you cannot travel at all due to the following events:
    1. Injury, illness, death (pre-existing medical conditions are excluded)
    2. Theft or immobilisation of your vehicle while on the way to the airport
    3. Your retrenchment 30 days before your date of departure
    4. Cancellation or diversion of your flights due to unexpected strikes or industrial action
    5. Unexpected terrorist incidents in a city on your itinerary
    6. Theft of your travel documents
    7. A traumatic event 30 days before your date of departure
  2. Cutting your journey short after it has started covers irrecoverable pre-paid expenses if you cannot travel at all due to the following events:
    1. Injury, illness, death (pre-existing medical conditions are excluded)
    2. Cancellation or diversion of your flights due to unexpected strikes or industrial action
    3. Unexpected terrorist incidents in a city on your itinerary
    4. Theft of your travel documents
  3. Cancellation due to your visa application being denied
    1. You must meet all visa requirements
  4. Cancellation for any reason
    1. This provides cover for any other reason other than those mentioned in point 1 above
    2. You must purchase your policy within 24 hours of paying for your travel ticket and your trip must not be cancelled within 48 hours of your planned departure time
    3. We will cover irrecoverable pre-paid expenses if you cannot travel at all due to a reason that you were not aware of at the time you bought your policy
  5. Postponement of your journey covers irrecoverable pre-paid expenses if you cannot travel due to the following events:
    1. Injury, illness, death (pre-existing medical conditions are excluded)
    2. Cancellation or diversion of your flights due to unexpected strikes or industrial action
    3. Unexpected terrorist incidents in a city on your itinerary
    4. Theft of your travel documents
  6. Travel supplier insolvency cover
    1. We will cover irrecoverable pre-paid expenses if you cannot travel due to your travel supplier (e.g. airline) being liquidated
  7. Travel delay
    1. Cover for essential expenses when your scheduled departure is delayed due to strike, bad weather or mechanical breakdown
  8. Security travel delay
    1. Cover for essential expenses when your scheduled departure is delayed due to a security alert or terrorist incident
  9. Missed connection
    1. If you miss a connecting flight due to the delay of the incoming flight we will pay for you to continue your original itinerary
  10. Natural disaster cover
    1. 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

Inconvenience Cover

Cover for the theft of, loss or damage to your personal belongings, cash and travel documents. We also pay for essential items if your baggage is delayed.

Personal Liability

We cover costs if you become legally liable for accidental harm to a person or their property.

Hijack of Public Transportation

This benefit pays out a cash benefit for each full day you are detained under duress if the public transport in which you are travelling is hijacked.

Kidnap and Wrongful Detention

We pay reasonable fees and expenses as a direct result of your kidnap or wrongful detention.

Claims Procedures

Europ Assistance South Africa is our claims assistance partner and manages claims on our behalf. If you have a medical emergency while you are on your journey, call Europ Assistance on +27 11 991 8419 immediately and they will assist you. Non-medical or non-emergency claims can be submitted upon your return back to South Africa. Contact Europ Assistance on +21 11 991 8419 or e-mail them at assist@europassistance.co.za. A claim form will be sent to you, which must be completed and submitted back to this email address along with all supporting documents. A claim must be submitted to us within 60 days of your return back to South Africa.

*Refer to the Policy Terms & Conditions for additional information or contact Hepstar at 086 144 4548.

Once purchased you will receive an email with links to:

  • Travel Insurance Certificate
  • Policy Terms and Conditions

Travelstart Online Travel Operations (Pty) Ltd is a juristic representative of Hepstar Financial Services (Pty) Ltd, an authorised financial services provider FSP45097. Insurance is underwritten by Regent Insurance Company Limited FSP25511.

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29 Sep 2016 - 08 Oct 2016

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