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International Travel Insurance covers an individual and/or their dependants financially while away from home. You or a dependant will be covered in the event of unforeseen illness or injury (as a form of Travel Medical Insurance); a cancellation of a part or your entire journey; and the theft or loss of your personal travel documents, money or luggage. If any of these events occur, you or your dependants will be financially compensated.
Various types of Travel Insurance are available depending on your needs, but the main types on offer are:
Senior Travel offers Travel Insurance to those over the age of 70, and covers potential medical expenses, a visit from a family member if they find it necessary, missed flights or cancellations, and lost or delayed luggage. Most insurance companies don’t cover pre-existing medical conditions. Make sure that if you are looking to take out this type of Travel Insurance that you check and review the details of the policy with your insurer. Some insurers may require a doctor’s certificate before commencing with the policy.
Youth/Student Travel offers cover to young people on a budget, from the ages of 16 – 30. This type of insurance applies to travel for leisure, work or study, 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 offers cover to groups of approximately 10 people or more who are travelling together. The cover normally includes medical costs due to illness or injury, cash back if a trip is cancelled or flights are missed, luggage is lost or delayed, and if a third person is injured. A prerequisite for this type of Travel Insurance is that all participants of the group must travel to the same location for the same amount of time.
If you’re thinking of taking an overseas trip soon, whether alone or with a group, Travel Insurance is a smart investment to make should an unexpected situation occur. To avoid the added stress of finding additional money upfront to pay for unexpected expenses, do your homework online with Hippo.co.za to find the right Travel Insurance deal for you.