Travel Insurance

What you are covered for

• 31 pre-existing medical conditions
• 93 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

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:

• Illness, injury or death not related to a pre-existing medical condition
• Being made redundant by your employer
• Damage to your home or burglary affecting your home
• Your compulsory quarantine
• An unexpected terrorist incident 14 days or less before your trip
• Unforeseen supplier financial default

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 in fact 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 will 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 an illness we will also need a 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.

While thousands of visitors each year rent a motorcycle or scooter and ride around Southeast Asia totally 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.