TRAVEL INSURANCE

Travel insurance can provide cover for medical expenses, trip cancellation, lost luggage, flight accidents and other losses incurred while travelling, either internationally or domestically.

Travel insurance can be arranged to provide cover for a single trip or to cover multiple trips within a set period. Some policies offer lower and higher medical-expense options; the higher ones are mainly for countries that have higher medical expenses. Most policies now have a level of cover for COVID that will pay for emergency care and repatriation.

Some credit card issuers also offer automatic travel insurance if travel arrangements are paid for using their credit cards, but these policies are generic and particular care must be taken to purchase the right policy according to your personal requirements.

You almost certainly will not be able to claim on your insurance if you no longer wished to travel and want to cancel your holiday.

There are many travel insurance policies available in the marketplace. So, care must be taken to check what events are covered by each policy, as well as what exclusions, exceptions and limits apply, besides other issues.

Some important aspects we look for when purchasing travel insurance:

(1)    Sufficient coverage to pay for both injuries and sudden illness
(2)    Coverage for transportation costs back to home country if necessary
(3)    Emergency evacuation and hospital care cover
(4)    Cover for valuables should they get lost or stolen
(5)    Coverage for extreme activities if relevant
(6)    Twenty-four-hour emergency contact number to get assistance

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