Travel insurance ins and outs

All you need to know about travel insurance.

  • by onRoute
  • Dec 7, 2018
  • 634
  • News

On buying an air ticket using your credit card, a basic form of travel insurance is often provided by your bank. But be warned that this cover may not be sufficient and a word of advice from is to go through your policy with a fine-tooth comb to see exactly what is and isn't included.

Most travel insurance offerings cover you for a combination of the following risks:

    Certain travel insurance providers might exclude cover when travelling to certain destinations.
  • Emergency medical expenses
  • Hospital cash benefit per day
  • Personal accident cover in the event of death or permanent disability
  • Emergency travel and accommodation
  • Transmission of urgent messages
  • Consular referral
  • Legal assistance and personal liability cover
  • Cover for inconveniences such as accidental loss of baggage, loss of cash or travel documents, and baggage delays

Depending on your family’s needs, know that these and other types of insurance are available to purchase too:
Student travel insurance: This type of insurance is for younger people travelling for work or leisure and includes cover for emergency medical costs, injury or damage to a third person or their property, cancellation of an entire trip and missed flights.

Group travel insurance: If there are more people travelling as a group to the same destination, group travel insurance may be a better bet. This type of insurance generally includes cover for medical costs, cash back for lost or delayed luggage, flight cancellations and missed flights and cover if a third person is injured.

Travel to dangerous areas and/or adventure activities: Certain travel insurance providers might exclude cover when travelling to certain destinations because they are either considered disaster-prone areas or are experiencing unrest or a health epidemic, such as malaria or cholera outbreak.

Adventure activities such as skiing, kayaking, bungee jumping, scuba diving and mountain biking can be dangerous so make sure that you’re insured for any mishap that might occur and also include cover for your sports equipment.