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Travelling abroad is a highlight for many South Africans. And while travel insurance is always recommended, it’s important to understand that it doesn’t cover everything. For hundreds of South Africans currently stranded in the Middle East following widespread flight cancellations linked to regional conflict, claiming from insurance may not be straightforward.
This is because most standard policies exclude acts of war, political unrest, and related disruptions.
Here’s what you need to know before your next trip.
What travel insurance usually covers
While policies differ between providers, most standard travel insurance plans include:
- Emergency Medical Treatment: Hospital stays, emergency procedures and medical evacuation.
- Trip Cancellations or Delays: If caused by unforeseen events such as illness or airline disruptions (excluding war or sanctions).
- Lost, Stolen or Delayed Luggage: Reimbursement for essentials or the value of lost belongings.
- Emergency Repatriation: Getting you home safely if something serious happens.
What’s often not covered
This is where many travellers get caught out.
- War, Terrorism, and Political Conflict: Claims related to acts of war, retaliatory strikes, unrest or sanctioned territories are generally excluded. If you knowingly travel to a sanctioned country, your cover may be void.
- Territory-Based Exclusions: Some remote or conflict-affected regions are excluded because insurers cannot guarantee medical access or evacuation.
- Pre-Existing Medical Conditions: Conditions you’ve been treated for or diagnosed with before travel are often excluded unless declared and specifically covered.
- Mental Health Claims: Anxiety, depression, and related conditions are typically not covered unless stated.
- Pregnancy Beyond 26 Weeks: Most policies exclude pregnancy-related complications after the 26th week.
- Alcohol or Drug-Related Incidents: If intoxication contributed to an injury, your claim could be rejected.
- High-Risk Activities: Skydiving, off-road biking, racing, and certain scuba diving activities often require specialised cover.
- Personal Cancellations: Changing your mind, financial issues, or missing travel documents are not valid claim reasons.
What travellers should look for
Before buying a policy:
- Think about the type of trip you’re taking – a city break, an African safari, or a ski holiday have different risks.
- Read the exclusions carefully.
- Declare all medical conditions honestly.
- Check if your destination is considered safe and insurable.
- Confirm coverage for activities you plan to do.
- Buy insurance as soon as you book your trip.
Travel insurance is essential, but you need to know what you’re paying for. Compare policies, ask questions, and read the fine-print carefully!
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