TRAVEL INSURANCE TRUSTED BY TRAVELLERS SINCE 1979
ABOUT TRAVEL INSURANCE In the awesome world of adventure, travel insurance is usually up there with vaccinations and those zippy half short/trouser things. Occasionally painful and unfashionably practical, but 100% necessary. Our insurance is different. Designed by travellers, for travellers, you won’t find our policies anywhere else - because you won’t find our travellers anywhere else.
REASONS TO BUY TRAVEL INSURANCE On top of medical, legal and luggage cover that you’d expect from travel insurance, you’ll also find some inclusions that you wouldn’t expect to have. Because we know that our travellers aren’t ordinary (and we mean that in the nicest possible way), nor is our insurance cover. 01
24 HOUR EMERGENCY HOTLINE
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24/7/365 ASSISTANCE
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EVACUATION & REPATRIATION SERVICES
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WORLDWIDE COVERAGE
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WHAT TO KNOW BEFORE YOU GO COVER LIMITS • Single trips covered up to 365 consecutive days travel • Annual multi-trip options available • Domestic, Regional (Africa) and Worldwide cover options PRE-EXISTING MEDICAL CONDITIONS • No cover provided for pre-existing medical conditions. • This includes the pre-existing medical conditions of a relative, travelling companion or business associate AGE RESTRICTIONS • There is no cover for individuals for 71+ years
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• TIP • BUY EARLY It won’t cost you any more money to buy your policy in advance. And from the day of purchase, you’re covered against cancellation!*
CHOOSE YOUR COVER Every trip and every traveller is different, so we offer different types of cover to help you find the most appropriate insurance for your trip. Our most comprehensive covers include Gold and Silver plans.
GOLD COVER COVER
LIMIT (UP TO)
SECTION 1 - TRIP CANCELLATION & CURTAILMENT
R 50,000
- Denied Visa
R 10,000
- Missed Event Ticket Cover
R 10,000
FAMILY LIMIT
R 12,000,000
- Medical Evacuation / Repatriation
Included above
- Emergency Family Travel
1x Economy ticket
- Repatriation of remains - Hospital Cash
R 1,000
R 120,000 R10,000 (R 2,000 / tooth) R 5,000 (R 500 per day)
48 hours
R 20,000,000
R 1,000
FAMILY LIMIT SECTION 3 - LOSS OF TRAVEL DOCUMENTS
R 5,000
Nil
SECTION 4 - LOSS OF PERSONAL MONEY
R 5,000
10% of claimed amount
SECTION 5 - CREDIT CARD FRAUD SECTION 6 - BAGGAGE DELAY
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R 500
R 100,000
SECTION 2 - EMERGENCY MEDICAL & ASSOCIATED EXPENSES
- Dental
EXCESS
R 10,000
R 100
R 10,000 (R 500 / 4 hours)
4 hours
SECTION 7 – PERSONAL BELONGINGS & BAGGAGE LOSS
R 50,000
- Valuables (including Laptop) per item
R 10,000
- Single item, pair or set
R 2,500
- Clothing theft limit
R 5,000
- Tobacco, alcohol & Fragrances per item
R 500
R 500
FAMILY LIMIT
R 100,000
SECTION 8 - PERSONAL ACCIDENT (INCLUDING COMMON CARRIER) - Death
R 300,000
- Permanent Loss of sight or limb
R 150,000
- Permanent Total disablement
R 300,000
FAMILY LIMIT
R 600,000
SECTION 9 - MISSED DEPARTURE
Nil
R 15,000
Nil
R 10,000 (R 500 / 6 hours)
6 hours
SECTION 11 - PERSONAL LIABILITY
R 10,000,000
Nil
FAMILY LIMIT
R 20,000,000
SECTION 10 - TRIP DELAY
SECTION 12 - MUGGING SECTION 13 - LEGAL EXPENSES / ADVANCE OF BAIL BOND
R 1,000
Nil
R 100,000
Nil
SCHENGEN SUMMARY OF COVER Although our Schengen Travel insurance is basic, it could be a life saver. Plus it meets the requirements necessary for Schengen Visa applications. COVER
LIMIT (UP TO)
SECTION 2 - EMERGENCY MEDICAL & ASSOCIATED EXPENSES
R 1,000,000
- Medical Evacuation / Repatriation - Emergency Family Travel - Repatriation of remains
- Dental FAMILY LIMIT SECTION 3 - LOSS OF TRAVEL DOCUMENTS
EXCESS
Included above 1x Economy ticket
R 500
R 100,000 R5,000 (R 1,000 / tooth) R 1,000,000 R 1,000
Nil
SILVER SUMMARY OF COVER COVER
LIMIT (UP TO)
SECTION 1 - TRIP CANCELLATION & CURTAILMENT
EXCESS
R 10,000
- Denied Visa
R 5,000
FAMILY LIMIT
R 20,000
SECTION 2 - EMERGENCY MEDICAL & ASSOCIATED EXPENSES
R 5,000,000
- Medical Evacuation / Repatriation
Included above
- Emergency Family Travel
1x Economy ticket
- Repatriation of remains
R 500
R 1,000
R 25,000
- Dental
R5,000 (R 1,000 / tooth)
- Hospital Cash
R 2,500 (R 500 per day)
48 hours
R 10,000,000
R 1,000
FAMILY LIMIT SECTION 3 - LOSS OF TRAVEL DOCUMENTS
R 1,500
Nil
SECTION 4 - LOSS OF PERSONAL MONEY
R 1,500
10% of claimed amount
R 5,000 (R 500 / 4 hours)
4 hours
SECTION 6 - BAGGAGE DELAY SECTION 7 – PERSONAL BELONGINGS & BAGGAGE LOSS
R 25,000
- Valuables (including Laptop) per item
R 5,000
- Single item, pair or set
R 1,250
- Clothing theft limit
R 2,500
- Tobacco, alcohol & Fragrances per item
R 500
R 500
FAMILY LIMIT
R 50,000
SECTION 8 - PERSONAL ACCIDENT (INCLUDING COMMON CARRIER) - Death
R 150,000
- Permanent Loss of sight or limb
R 75,000
- Permanent Total disablement
R 150,000
FAMILY LIMIT
05 Nil
R 300,000
SECTION 11 - PERSONAL LIABILITY
R 2,500,000
FAMILY LIMIT
R 5,000,000
Nil
DOMESTIC SUMMARY OF COVER Even though you’re going local, don’t risk travelling uninsured! Cover
Limit (up to)
Trip Cancellation / Curtailment
R 10 000
Missed Event Ticket Cover
R 2 000
FAMILY LIMIT
R 20 000
Loss of Travel Documents
R 1 500
Loss of Personal Money Baggage Delay Baggage Loss During Flight Only - Single item, pair or set - Tobacco, alcohol & Fragrances per item
R 1 500
10% of claimed amount
R 1 250 R 500
FAMILY LIMIT
R 50 000
*No Electronic, laptops or cell phones covered
Nil
R 15 000
R 2 000
Trip Delay
ZAR 500
R 5,000 (R 500 / 4 hours)
- Clothing theft limit Missed Departure
Excess
ZAR 500
R 2 500 R 2,500 (R 500 / 6 hours)
6 hours
CHOOSE YOUR DURATION WORLDWIDE SINGLE TRIP We understand travel insurance isn’t cheap, but the benefits are worth it. We’ve done our research and for a fraction of your trip cost, we can provide peace of mind in case the unexpected happens. Duration
Africa
Worldwide excl. USA
Worldwide incl. USA
1-5 days
R 254
R 203
R 331
R 264
R 498
R 398
6-9 days
R 348
R 278
R 452
R 362
R 689
R 551
10-15 days
R 393
R 314
R 510
R 408
R 807
R 646
16-22 days
R 491
R 393
R 638
R 510
R 982
R 786
23-31 days
R 589
R 471
R 766
R 612
R 1 158
R 926
32-45 days
R 609
R 487
R 792
R 633
R 1 273
R 1 018
46-62 days
R 679
R 543
R 883
R 706
R 1 340
R 1 072
63-92 days
R 765
R 612
R 995
R 796
R 1 540
R 1 232
93-123 days
R 1 106
R 884
R 1 438
R 1 150
R 1 840
R 1 472
124-153 days
R 1 226
R 981
R 1 594
R 1 275
R 2 013
R 1 610
154-185 days
R 1 301
R 1 041
R 1 691
R 1 352
R 2 185
R 1 748
186-365 days
R 3 880
R 1 905
R 4 600
R 2 475
R 5 500
R 4 750
GOLD COVER Gold Premium Insurance SILVER COVER Silver Premium Insurance
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SCHENGEN PREMIUM INSURANCE
DOMESTIC PREMIUM INSURANCE
Duration
Premium
Duration
1-5 days
R 175
1-8 days
R 86
6-9 days
R 211
9-15 days
R 127
10-15 days
R 260
16-31 days
R 173
16-22 days
R 333
23-31 days
R 386
32-45 days
R 526
46-62 days
R 649
63-92 days
R 912
93-123 days
R 1 087
124-153 days
R 1 185
154-185 days
R 1 292
186-365 days
R 1 628
Premium
• Make sure you purchase the appropriate cover for your trip • i.e. purchase ‘worldwide including USA & Canada’ if a part of your trip features USA.
FAMILY INSURANCE COSTS SILVER COVER Family Insurance Cost GOLD COVER Family Insurance Cost
Duration
Africa
Worldwide excl. USA
Worldwide incl. USA
1-5 days
R 508
R 406
R 662
R 528
R 992
R 796
6-9 days
R 696
R 556
R 904
R 724
R 1 377
R 1 102
10-15 days
R 786
R 628
R 1 020
R 816
R 1 615
R 1 292
16-22 days
R 985
R 786
R 1 276
R 1 020
R 1 965
R 1 571
23-31 days
R 1 178
R 942
R 1 532
R 1 224
R 2 317
R 1 852
32-45 days
R 1 218
R 974
R 1 584
R 1 266
R 2 545
R 2 037
46-62 days
R 1 358
R 1 086
R 1 766
R 1 412
R 2 680
R 2 143
63-92 days
R 1 530
R 1 224
R 1 990
R 1 592
R 3 080
R 2 464
93-123 days
R 2 213
R 1 769
R 2 875
R 2 300
R 3 680
R 2 944
124-153 days
R 2 452
R 1 962
R 3 188
R 2 550
R 4 025
R 3 220
154-185 days
R 2 601
R 2 082
R 3 381
R 2 705
R 4 370
R 3 496
186+ days
R 4 747
R 3 811
R 6 165
R 4 950
R 9 850
R 7 500
SCHENGEN PREMIUM INSURANCE Duration
Premium
1-5 days
R 350
6-9 days
R 420
10-15 days
R 519
16-22 days
R 667
23-31 days
R 772
32-45 days
R 1 052
46-62 days
R 1 298
63-92 days
R 1 824
93-123 days
R 2 174
124-153 days
R 2 371
154-185 days
R 2 583
186-365 days
R 3 255
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DOMESTIC PREMIUM INSURANCE Duration
Premium
1-8 days
R 173
9-15 days
R 253
16-31 days
R 345
• Family policies • Cover up to 2 adults and up to 8 children. All named persons of a family policy must travel together.
Hazardous Activity Extension Travelling generally makes us feel more free, more brave and instantly more willing to parachute out of planes, climb really big-looking mountains and mistakenly believe we can surf! While other travel companies will make you pay extra to add activities to your policy, we include the below at no extra charge on our Gold, Silver and Schengen policies. Why? Because we never want you to be ‘that person’ left at the bottom with a neck full of cameras, unable to jump because they weren’t insured. Know the one? Not cool.
As a standard we cover you for over 60 activities and sports including:
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Abseiling, archery, athletics, banana boating, baseball, basketball, bungee jumping (once only), camel riding*, canoeing (up to grade 2 rivers only not white water), catamaran sailing (if qualified)*, clay pigeon shooting*, climbing wall, cricket, cycling (non-professional and not main mode of transport), cycle touring (no more than 16 days), deep sea fishing, dinghy sailing*, elephant riding or trekking*, football or soccer (children’s club in resort only), frisbee, go karting*, golf, high rope activities, high diving (platform only and up to 10 meters), hiking or trekking or walking (up to 15 miles a day and up to 4,000m), hockey (under 16’s using plastic sticks), hot air ballooning (organised pleasure rides only), jet boating or shotover jetting*, jet skiing*, kayaking (up to grade 3 rivers only, not white water), horse riding or trekking (not competitions, racing, showjumping, jumping, hunting, eventing, polo or rodeo)*, marathon running or triathlon (non-professional), motor cycling (up to 125cc and not main mode of transport)*, mountain biking (on road), paint balling (wearing eye protection)*, parascending or parasailing (over water), pony trekking, quad biking (off road only)*, rap jumping, rifle range shooting*, ringos, roller skating or roller blading (wearing pads and helmets), rowing, safari trekking in a vehicle (organised tour up to 16 days), sailing or sail boarding or windsurfing (if qualified and in territorial waters only)*, safari trekking on foot (organised tour up to 16 days), sand dune boarding or surfing or skiing, scuba diving to 30m, sea canoeing or kayaking (close to shoreline only), shooting*, skateboarding, sledging or sleighing (pulled by dogs or horses or reindeer as a passenger), snorkeling, surfing, tug of war, volley ball, wake-boarding (no cover for ramps, kickers and sliders), water-skiing (no cover for jumping), white water rafting (up to grade 3 river), yachting (if qualified in inland territorial waters within 12 mile limit)*, ziptrekking (including over snow) and zorbing
Pay a little extra and we’ll cover the following activities and sports: Bamboo rafting or boating, boogie boarding, caving or pot holing (with qualified or experienced guide), dry slope skiing, fencing*, football or soccer (taking part, not semi-professional or professional)*, hang gliding (no personal accident cover)*, helicopter / light aircraft (as a passenger on organised pleasure rides only)*, hiking or trekking or walking (over 15 miles a day and between <4,000m and >5,450m) hockey, kite buggying (no personal accident cover)*, kite surfing, kite skiing, lacrosse, martial arts training (no competition)*, mountain biking (off road), parachuting, paragliding, rock climbing, shark diving (inside cage) and street hockey (wearing pads and helmets), water polo, weightlifting and white water rafting (grade 4 - 5 river).
If the activity you are intending to do is not mentioned here please ask your Travel Expert about cover *Sports followed by astrix(*) are not covered for claims under Personal Liability if available within travel insurance purchased.
WINTER SPORTS EXTENSION For just a little bit more, we’ll cover your winter sport activities We know that if you’re serious about your winter sports, you’ve probably invested plenty of money in your holiday and your equipment. As well as extending the benefits of the cover you have selected, we also provide cover for: COVER
LIMIT (UP TO)
EXCESS
Ski Pack
R5,000
Nil
Delayed Ski Equipment
R3,000
Nil
Ski Equipment
R3,000
R500
Piste Closure
R1,500
Nil
Avalanche Closure
R1,500
Nil
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• The winter sports •
that we cover as part of the winter sports extension include: Big-foot skiing ,cross-country skiing (on recognised tracks only), bobsleigh or luge, ice skating or blade skating (not speed skating), glacier skiing or hiking or trekking or walking, heli skiing or boarding, monoskiing, off-piste skiing or snowboarding (as long as you are skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines), skiing (including on dry slopes and indoor ski centers), sledging, snow blading, snowboarding, snow mobiles or skidoos, snow shoeing, snow tubing, and tobogganing.
TERRORISM EXTENSION PAY A LITTLE EXTRA AND WE WILL COVER YOU FOR THE UNEXPECTED No matter where in the world you travel, uncertainty surrounds you and you can never predict what will happen. Our Gold, Silver, Domestic & Schengen policies can all be extended to protect you against an act of terrorism. This includes: COVERING CANCELLATION OR CURTAILMENT EMERGENCY MEDICAL EXPENSES DAMAGE OR LOSS OF PERSONAL POSSESSIONS AND VALUABLES The extension covers each section of your policy up to the limit in the table of benefits.
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BENEFIT
LIMIT (UP TO)
EXCESS
Terrorism Extension
R1,000,000
Excess applicable to benefit claimed for
WHAT ELSE DO YOU NEED TO KNOW? Cancellation & Amendment policy • You have a 7 day ‘cooling off period’. If you’re not fully satisfied with your insurance within 7 days of purchase we’ll provide you with a 100% refund. • If any details are incorrect or your plans change, let us know and we’ll amend your policy where possible. • After the 7 day ‘cooling off period’ you will be charged 25% administration fee if you need to cancel your policy.
Policy Excess • Under some sections of your policy, you will have to pay an excess. This means that you will be responsible for paying the first part of the claim for each insured person, for each section, for each claim incident.
No cover is provided under these policies for: • • • •
Taking part in a sporting activity where the organisers’ guidelines have not been followed Any professional sporting activity Any kind of racing, except racing on foot Any kind of manual work 11
Cut me out and take me with you!
MY TRAVEL INSURANCE
My policy number is 24hr Emergency Medical Assistance: +27 87 195 0581 Claims & Queries: travelza@allianz-assistance.com For non-emergency incidents, consult your policy document immediately for the correct procedures to follow and relevant contact details.
IMPORTANT INFORMATION Claims related to pre-existing medical conditions are not covered. Cover is available to people up to and including the age of 70 years. Insurance is available to people who are valid residents of South Africa only. A policy excess is payable under some sections of cover and is payable per person, per claim, per section. This leaflet is intended to give a general outline of the cover provided by STA Travelâ&#x20AC;&#x2122;s insurance. Please read the full terms and conditions
The Travel Insurance information displayed within this document is underwritten by Allianz Global Corporate & Specialty South Africa Limited (AGCS). AGCS is a licensed shortterm insurer and authorized financial services provider, FSP license number 16722.
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