When purchasing a travel insurance policy for South Africa, you will have the option to choose a basic policy or a comprehensive policy. A basic policy is cheaper, but may turn out to be more expensive in the long run if you aren’t covered for the things you need.
While a basic policy will usually cover medical needs, it may not provide cover for things such as lost luggage and cancellations (or, if it does, will provide it at a much lower claim level).
That’s why a comprehensive policy is highly recommended for travel to South Africa, as you will receive cover for stolen items, lost luggage, delays and more, in addition to medical and emergency dental care.
Smartraveller asks Australians to exercise a high degree of caution due to the threat of violent crime in South Africa, which includes robbery and carjacking.
The government website warns that opportunistic criminals will target travellers at the approaches to tourist-hotspot Kruger National Park, at well-known resorts, and on public transport.
Additionally, as ATM and credit card fraud are common crimes in South Africa, a comprehensive policy can be the more financially sound choice to give you peace of mind.
Going on a Safari?
South Africa is a popular tourist region for many reasons, including wildlife safaris. If you wish to partake in a safari or a game walk—walking with wild animals and a professional guide—you will need to ensure that these activities are covered in your policy’s list of included sports and activities.
If they are not, you will not receive cover for anything that occurs during the safari.
However, your policy may offer the option for you to choose an ‘adventure pack’ at an additional cost, which can include many activities that aren’t covered in the standard offering.
This can also include hiking or trekking to certain altitudes.
It’s important to consider which activities you may be participating in during your trip to South Africa in order to ensure you have the appropriate coverage, and purchase an additional add-on if necessary.
What Travel Insurance Won’t Cover
Your travel insurance policy won’t cover anything that is set out in its exclusions, as per the product disclosure statement (PDS). This could include certain sports and activities (such as a safari), or travel to certain regions in South Africa due to safety.
While each travel insurance policy differs on the fine-print, it is standard for most policies not to cover:
- Cancellations due to ‘disinclination to travel’, being if you change your mind about your holiday;
- Accidents or injuries that occur when not following the appropriate safety guidance or official guidelines;
- Intoxicated behaviour, including recreational drugs;
- Any illegal activity.
Be sure to carefully read the PDS of your policy so you know exactly what you can and cannot claim on your trip to South Africa.
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Source: forbes.com
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