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Holidays are meant for relaxation, not for dealing with medical emergencies, cancellations, or lost baggage. Whether you're planning local travel or heading abroad, comprehensive travel insurance ensures you're protected against unexpected costs. With over 50% market share, Santam Travel Insurance is Southern Africa’s leading provider of travel insurance, offering tailored solutions for international, overseas, and local trips.
Experience and expertise
With over 30 years of experience, we offer a wide range of travel insurance solutions tailored to the needs of Southern African travellers, from holidays abroad to local getaways and business trips.
There for you 24/7
Our emergency assistance is available 24/7, worldwide. Whether you’re travelling internationally or closer to home, you can rely on support when you need it most, especially for medical emergencies.
Cover that goes beyond the basics
We provide cover for repatriation and evacuation, accidental death or disablement, personal liability, and unexpected events like hijacking, hostage situations or wrongful arrest. From overseas travel insurance to business travel cover, we help you travel with confidence.
You may be thinking, “I already have travel insurance through my credit card.” But most complimentary policies offer limited medical cover and often exclude things like trip cancellations, delays, or lost baggage. Whether you're travelling locally or abroad, our comprehensive travel insurance ensures you're protected against unexpected costs, especially with rising medical expenses and a weaker rand. A comprehensive travel insurance policy gives you peace of mind, wherever you go.
Learn more
Holiday and overseas travel insurance
Business travel insurance
Studying abroad
Working abroad
Group travel insurance
Emigration
Schengen visas
Domestic travel
Company travel insurance
Medical and related expenses and assistance services
Evacuation
Trip cancellation
Trip disruptions
Personal liability
Personal accident
Cover for lost or stolen personal belongings
Travel delay
Legal assistance
Answer a few quick questions to receive an obligation-free quote for your travel insurance, for local or international trips.
Claims and emergencies
Are Santam Travel Insurance policies accepted by VISA authorities?
Yes, Santam Travel Insurance travel meets the minimum coverage requirements for visa applications. Your policy automatically includes a downloadable visa letter addressed to the embassy, ready for submission with your application.
Is skiing covered on a Santam Travel Insurance policy?
Yes, skiing is automatically covered under a Santam Travel Insurance policy.
Are pregnant travellers covered on a Santam Travel Insurance policy?
Yes, Santam Travel Insurance covers pregnant travellers for emergency medical expenses up to the first day of the 26th week of pregnancy.
Does Santam Travel Insurance cover pre-existing conditions?
Yes, Santam Travel Insurance covers emergency hospitalisation for pre-existing medical conditions for travellers up to 69 years of age.
What are the benefits of having comprehensive travel insurance?
Travel insurance helps protect you against unexpected costs while travelling. Benefits may include cover for medical emergencies, cancellations, lost baggage, travel delays, and personal liability, giving you peace of mind whether you're travelling locally or overseas.
What’s the difference between business travel insurance and company travel insurance?
Business travel insurance typically refers to policies for individual business travellers. Company travel insurance, often referred to as group business travel insurance, is a master policy designed for organisations with multiple employees travelling frequently, offering a more integrated and comprehensive business travel insurance solution for the entire team.
Do I have to pay for my travel medical emergencies directly?
If you’re hospitalised, TIC can arrange direct payment to the medical facility through their 24-hour assistance service. For smaller medical claims, you may need to pay upfront and claim back with the required documentation.
Does travel insurance start immediately? From what point are you covered?
Your cover starts once your travel insurance policy is issued and paid for. Some benefits, like journey cancellation, may begin up to six months before your departure. Other benefits, such as medical cover, become active when you start your trip.
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