Travel insurance – are you really covered?

Be aware that, although you may have documents from your travel agent confirming you’re insured, you may not have a policy document listing exclusions — or the benefits may be inadequate for your needs.

Ask yourself the following questions:

  • Do you have medical conditions or particular illnesses that may be excluded from your insurance? Find out what’s covered and what isn’t.
  • Are you covered for medical treatment abroad? How comprehensively?
  • Are you covered for lost luggage? What are the limits on these benefits?
  • Is ‘cancellation or curtailment’ insurance included in your policy? This covers unused travel, accommodation or excursion costs in the event of, say, airport strikes or illness, bodily injury and even pregnancy complications — ask to see a comprehensive list of events covered by this insurance. Make sure all pre-paid charges are covered.
  • If you’re unhappy with what your insurer has offered after you have discussed the matter in depth, take your grievances to the ombudsman for short-term insurance:

Read more news, blogs, tips and Q&As in our Smart Money section. Post questions on the site for independent and researched information.

Subscribe to the M&G

These are unprecedented times, and the role of media to tell and record the story of South Africa as it develops is more important than ever.

The Mail & Guardian is a proud news publisher with roots stretching back 35 years, and we’ve survived right from day one thanks to the support of readers who value fiercely independent journalism that is beholden to no-one. To help us continue for another 35 future years with the same proud values, please consider taking out a subscription.

Related stories


Subscribers only

Q&A Sessions: George Euvrard, the brains behind our cryptic crossword

George Euvrard spoke to Athandiwe Saba about his passion for education, clues on how to solve his crosswords and the importance of celebrating South Africa.

Poachers in prisons tell their stories

Interviews with offenders provide insight into the structure of illegal wildlife trade networks

More top stories

No one should be as rich as Elon Musk

The reactions to Elon Musk’s billionaire status are evidence that far too many South Africans have not fully grasped the destructive consequences of inequality. Entrepreneur...

Department of basic education edges closer to releasing matric results

The basic education department has said that it is almost done with the marking process and that the capturing of marks is in progress.

The rare fairytale of Percy Tau

Through much hard work and a bit of good fortune, the South African attacker has converted a potential horror story into magic

Somali troops may have been drawn into Ethiopia’s civil war

The Mail & Guardian spoke to Somalis about their relatives who disappeared after signing up for military training and fear they may have been killed

press releases

Loading latest Press Releases…