Travel Insurance.

Protects you and your family when you travel abroad. 

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What Travel Insurance gives you.

  • Medical Expenses Benefit - for the immediate treatment of unforeseen medical emergency or dental work, including charges for medical transportation.
  • Personal Liability Benefit - should you become legally liable for accidental bodily harm or death of any person or accidental loss or damage to property
  • Personal Accident Benefit - death or permanent disability following an unexpected accident
  • Luggage Benefit - if your personal baggage is damaged, stolen, destroyed or lost. 
  • Online claims submission and fair claim handling
  • Supported and Administered by Oojah Travel Protection

Compare our product options.

  Senior incl USA/Canada Senior excl USA/Canada
Maximum Age 81 years 81 years
Medical & Repatriation Expenses K517,000 K517,000
Medical expenses as a result of terrorism K517,000 K517,000
Medical Evacuation/Repatriation/Transportation Real Expense Real Expense
Burial/Cremation/Return of mortal remains Real Expense Real Expense
Medical excess in-patient Nil Nil
Medical & Dental excess out-patient K360 K360
Travel Delay K258 K258
Travel Delay Excess 12 Hours 12 Hours
Missed Connection K775 K775
Missed Connection Excess 4 Hours 4 Hours
Personal Baggage K5,170 K5,170
Personal Baggage Excess K258 10% of claim min. K258
Baggage Delay K775 K775
Baggage Delay Excess 12 Hours 12 Hours
Loss of cash and/or passport K1,034 K1,034
Loss of cash and/or passport Excess K155 K155
Personal Liability K517,000 K517,000
Personal Accident Refer below Refer below
Permanent Disablement K25,850 K25,850
Death K51,700 K51,700
Hijack of Public Conveyance K2,585 K2,585
Carrier Accumulation Limit K15,510,090 K15,510,090
Emergency dental treatment K1,034 K1,034

What you are covered for.

  • 31 Medical conditions you already have
  • 101 Sports and Activities
  • Winter sports and Cruise travel insurance
  • Children covered for free
  • Family and Groups of 10+ discount
  • Top-up for free medical cover
  • Senior travel insurance (up to 81 years)
  • Holiday and Business travel insurance
  • Medical emergency
  • Cancel your trip due to illness, injury or death
  • Cancel for any reason
  • Flight depart late
  • Miss a connecting flight or cruise
  • Theft or damage to personal belongings
  • You become legally liable
  • Bad weather
  • An unexpected strike
  • Your bags are delayed
  • Accidental death or permanent disability
  • Repatriation of mortal remains
  • Unexpected terrorist attack

What you need to know.

Please note: You must read the policy wording carefully to ensure you select the cover that is most suitable to your needs and financial situation.

Call us: 260 211 387 416 if you need more information.

Call us for authorisation.

There are some things we must authorise. When you need medical treatment for costs higher than K10,000 you MUST call us for authorisation BEFORE you receive the treatment, unless you are being treated in the emergency department for a life threatening condition.

Call: +260 211 387 416

Some activities are not covered.

We know that there are lots of fun and exciting things to do overseas. We are not saying don't do them - but we are saying that we can't cover you for high-risk activities be they in the air (Parachuting, Skydiving, Hang Gliding), on the snow (off-piste skiing), or on solid rock (Mountaineering or Rock Climbing).

Some countries are not covered.

The British and Foreign Commonwealth provides good free travel advice - check their advice on where you are going before you book your trip.

If they advise do not travel to a country (e.g. Syria anyone?) or even to a region or part of a country, you won't be covered if you go there and anything happens to you.

Equally you aren't covered for cancellation costs simply because you've changed your mind about where you want to travel unless you have Cancel for Any Reason cover.

Email us with where you are going, and we'll help you with what to look out for and what to avoid.


Contact Us.



Telephone number:

+260 211 387 416


0866 43 44 36

Customer service:
Mon -Thurs: 08:00 – 17:00
Fri: 08:00 – 16:30

Overseas Medical Emergency Assistance:
+27 11 991 8610

You can submit your insurance claim online by following the steps below.

Please remember to:

  • Keep your original bills and receipts until your claim has been finalised.
  • Once the claim has been submitted, you will receive an email as proof of submission with your claim number.
  • Please save all documents in PDF format in order for you to upload successfully.

If you have any questions, please visit the FAQ or contact us by email or phone +260 211 387 416

Submit a new claim Update an existing claim