|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 Excess||12 Hours||12 Hours|
|Missed Connection Excess||4 Hours||4 Hours|
|Personal Baggage Excess||K258||10% of claim min. K258|
|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 Accident||Refer below||Refer below|
|Hijack of Public Conveyance||K2,585||K2,585|
|Carrier Accumulation Limit||K15,510,090||K15,510,090|
|Emergency dental treatment||K1,034||K1,034|
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.
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
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).
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.
Buy your travel insurance policy when you pay for your trip
Protect your financial investment. Make sure you are covered for absolutely any reason! Yes, you can even be covered if you have to cancel because your wedding has been cancelled and therefore the honeymoon is off.
To make sure you activate the cancel for any reason benefit, you must buy your travel insurance within 24 hours of paying for your trip.
This does not mean you cannot get cover if you have already paid for your trip, however, the cover will be limited to the following reasons:
Report theft to the police or airline immediately.
You must report the theft of personal belongings to the police within 24 hours, be it from your room or on your person. We will need a copy of the police report when you submit your claim.
Similarly, if your baggage is damaged or items have been removed, obtain a report from the airline before you leave the baggage collection area and claim from the airline first.
Alcohol-related claims are not covered
Yes, we know that most people enjoy a drink while on holiday but you aren't covered for any claim where alcohol is a factor.
Get written confirmation
So your baggage is delayed for 2 days. You buy clothing and toiletries (keep the receipts) and now you want to claim for the extra costs. Please ask the airline for a letter to confirm how long your baggage was delayed for. This is proof that your baggage was delayed and we can finalise your claim immediately.
Similarly, if your flight was delayed, we must know the reason for the delay. If the flight was delayed due to a technical problem you are covered. We do not cover delays due to operational reasons as this is deemed to be “in the control of the airline”, such as crew shortages.
You have to cancel your trip. Contact your airline and accommodation provider IMMEDIATELY and ask for a letter confirming their cancellation policy. We want to pay your claim as soon as possible, however, without this letter we do not know how much we should pay you.
You receive medical treatment whilst on your trip, OR you need to cancel your trip due to a medical reason. We are not a medical-aid and do not have access to your medical records. Make sure you obtain a written diagnosis from your doctor. If your claim is related to illness we will also need your medical history. We are not trying to delay the process, however, we need to determine whether your claim is related to a pre-existing medical condition.
You need a motorcycle/driver’s license
We know it looks like fun. If you have absolutely no training and no experience at handling a two-wheeled machine at home, what makes you think you'll magically acquire those skills in a foreign country?
While thousands of visitors each year rent a motorcycle or scooter and ride around Southeast Asia unlicensed, if you don't have a valid license and have a crash it's pretty straightforward: you're riding illegally and you're not covered.
+260 211 387 416
0866 43 44 36
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:
If you have any questions, please visit the FAQ or contact us by email email@example.com or phone +260 211 387 416