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.

Yes, skiing is automatically covered under 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.

Yes, Santam Travel Insurance covers emergency hospitalisation for pre-existing medical conditions for travellers up to 69 years of age.

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.

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.

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.

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.