Luxury Travel Insurance

What countries are covered?

Our Luxury travel insurance covers you for most countries around the world excluding the USA. Other exceptions are for countries are where the Foreign and Commonweath Office has issued a travel warning. See http://fco.gov.uk/travel for latest exceptions.

Age Limit for this policy

You must be under 70 years old

Leisure or Business?

Leisure

Why Luxury Travel Insurance Cover?

Our Luxury travel insurance offers travel insurance to cover most countries around the world.
If your travel itinerary is very broad and your itinerary does not obviously keep in the regions offered by our other travel insurance products such as Africa, Asia, Indian Ocean and Middle East Travel insurance or Schengen travel insurance, then this may be the right cover for you.
If you are travelling for leisure purposes and not business

If you are travelling on business, consider topping up your luxury travel insurance cover with Business protection. You should also consider our Business International Travel Insurance Cover.

TOP UP COVER

For a small premium you can top up our Luxury travel insurance. This will give you extra protection as detailed in the schedule of benefits.

POLICY EXCESS WAIVER

This benefit is only applicable if you have purchased the additional premium noted in your Certificate of Insurance.

We will waive the monetary excess and waiting period as shown on the Schedule of Benefits.

Pre-Existing Medical Conditions for hospitalisation waived to an overnight stay in the hospital.

We will waive the following specific conditions under these sections: Cancellation for Any Reason: You must cancel Your Journey within 48 (forty-eight) hours or more before your scheduled Journey departure.

Missed Connection Condition: You must allow 3 (three) hours or more between your original scheduled arrival time and the scheduled departure time of Your connecting Public Transport Carrier.

All other conditions remain unchanged under these sections. The policy excess waiver does not waive this policy’s specific terms and conditions unless stated in points 3 and 4 above.

TIME SENSITIVE BENEFITS

You must purchase Your policy within 48 hours of making a part or full payment towards Your travel arrangement to qualify for the following benefits:

Section 3.3: Postponement or Cancellation relating to COVID-19
Section 3.5: Cancellation for any reason
Section 3.6: Curtailment for any reason
Section 6: Travel supplier Insolvency

PLEASE NOTE: You can only qualify to purchase additional top-up cover for Sections 3.3, 3.5, and 3.6 if You purchased Your policy within 48 (forty-eight) hours of paying for Your trip

Help and Advice

If you need advice or help in deciding if Luxury travel insurance is the most suitable product to buy online click here or contact us.

When you purchase your travel insurance policy, you will receive the policy terms and conditions and a policy certificate (outlining the benefit and limit of liability), however, if you not receive the policy documentation, please contact our assistance service.

It is easy to buy your travel insurance online. You may use a valid credit or debit card. We use a secured gateway payment via Nedbank Iveri which is safe and trustworthy.

Emergency Assistance Service is operated by International Medical Rescue, in the event of any illness, injury, accident or hospitalization which requires Inpatient and Outpatient treatment anywhere in the world, you must contact IMR at +27 (0) 10 2116981 or email assist24@africa-assist.co.za.

Understand your policy wording

See the schedule of benefits summary by clicking on the “View Benefits” tab at the top of the page. Each section is explained providing what is covered and what is not covered and the conditions applicable. For your convenience we have provide short pop-up explanations of what the schedule of benefit means with a read more link if you would like to read more detail. It is important to read through the policy wording and familiarize yourself with the terms, conditions and exclusions./which-travel-insurance-cover

View Benefits

Policy Terms