It is important to safeguard against financial losses when abroad. It could be cancelled flights, lost baggage, illness or injury that can disrupt your plans but you can have comfort in the fact that you are properly covered with a travel insurance policy. If you fail to take out travel insurance you run the risk of having to deal with expensive bills. Listed below are a range of quality travel insurance providers and a wide choice of cover for South Africans travelling abroad that will suit all budgets. You can obtain secure and easy cover online to make sure that all eventualities are covered and you are getting the right cover for your travelling needs. Please make sure that you read the terms and conditions of any travel insurance policy carefully to ensure that you are fully covered.
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Donít be one of the thousands of South Africans who regret not taking out travel insurance.
Why the need for Travel Insurance?
Preparation is important for a hassle free trip. As well as your travel money you need to make sure you have travel insurance. If you donít have the right insurance policy in place your dream holiday can turn into a financial nightmare. By doing your homework and finding the right travel insurance before you go, you can minimize the chances of something going wrong.
Travel insurance can provide extensive and tailored insurance for all kinds of emergency situations. If you want peace of mind then travel insurance is really important.
What does Travel Insurance cover?
Travel insurance can provide cover for a number of different events and common problems that travellers experience. It can protect you against cancellations, travel delays, medical expenses, repatriation, personal liability and legal expenses. Travel insurance can also cover for lost or stolen luggage and personal, expensive items such as passports, money, cameras, laptops and jewellery.
You can also get cover for events such as terrorists incidents, natural disasters and cover if your airline or tour operator goes out of business.
Donít take the risk
There can be many levels of insurance from standard policies to much more comprehensive ones. You should make sure your policy covers you for everything you want and need and nothing you donít to help you keep premiums down.
There are a wide range of travel insurance options. You can usually take out insurance for just one trip made within the year or annual insurance for multiple trips made throughout. There are also insurance policies designed especially for backpackers, policies for people taking part in adventurous activities and winter sports and insurance for those over 65.
There will be basic exclusions on all insurance policies. These can be things like acts of civil unrest, self triggered personal injury, loss or theft of unwatched luggage and pre-existing medial conditions.
Bear in mind that your policy is likely to be more expensive if you have an existing medical condition, are pregnant, have a history of making claims, are over 65 or are taking part in adventurous activities. This is because you are more at risk of having to make a claim.
Finding the right policy for you and your travelling needs
There are many different policies on the market for you to choose from so it is important that you take the time to find the right one for you. Use the table above to compare the features of some of the leading travel insurers in South Africa.
When deciding on which one to go for make sure you know exactly what your travel insurance insures because policies are not limitless.
You need to make sure that you clear up any policy issues with your insurer before you go.
How to compare travel insurance policies?
When deciding which travel insurance policy to take out, you must ensure you compare the policies like for like. Do not always opt for the cheapest policy as this will not necessarily be suitable for you needs and could be worthless to you when you need it most. Use the comparison grid above to see which travel insurance policy to take out.
03 August 2013
Which Way To Pay
When researching travel insurance policies it is important to make yourself aware of the different features that are available.
30 April 2013
A travel insurance guarantees you're covered against the unexpected during journeys abroad. Having booked for one's dream holidays usually means one has spent a lot of money, and if you haven't covered for anything which could go wrong it means that the loveliest weeks in the year quickly can turn into a nightmare.