Coronavirus (COVID-19) FAQs

COVID-19 Coronavirus informationClick on the question to show the answer
For any information regarding the COVID-19 virus we recommend that you only consult reputable sources.
Kindly visit:
https://www.who.int/emergencies/diseases/novel-coronavirus-2019 

The National Institute for Communicable Diseases a national public health institute of South Africa
Human coronaviruses were first identified in the 1960’s in patients, they typically include the common cold. Coronaviruses are associated with lower respiratory infections and can affect persons with compromised immune systems. There are five known coronaviruses at present, however more severe and rarer strains of coronavirus do occur such as SARS (2002) and MERS (2012), which have the potential to be lethal. Coronaviruses also occur in mammals and birds.
What happens if I contract COVID-19 whilst travelling?

Your immediate action should be to call the assistance partner indicated on your policy and they will make the necessary arrangements to ensure you are treated at the most appropriate medical facility.

Does a TIC policy provide cover in the event that a current or future journey is CANCELLED, CUT SHORT or POSTPONED due to the Covid-19 pandemic?

No. There is no cover for the above events as a result of any pandemic or epidemic.

Does a TIC policy cover pre-journey mandatory testing or mandatory quarantine on arrival or return?

Expenses relating to pre-journey mandatory testing or mandatory quarantine on arrival or return are NOT covered.

Does a TIC policy provide cover for medical expenses in the event that one gets ill and is diagnosed with Covid-19 or any other pandemic or epidemic illness during a journey?

Inbound and International policies provide the following cover; If you are ill and need to be medically quarantined, while on a journey, the additional costs incurred are limited to the equivalent of a 3-star accommodation, or a limit of R2,500 per day, whichever is the lesser.
The maximum total benefit limit is R25,000. This is not a cash benefit; invoices and receipts are required for the actual costs incurred.

In the event of death we will pay the reasonable costs in respect of funeral, burial or cremation expenses in the country where death occurred and/or the reasonable costs of returning the body or ashes to the country of residence.*

Expenses relating to pre-journey mandatory testing or mandatory quarantine on arrival or return are NOT covered.

*All amounts paid are up to the maximum of the particular benefit included in a policy and above statements are subject to the terms and conditions of the policy wording.

Does a TIC policy provide cover in the event that a current trip needs to be extended due to contracting Covid-19 whilst on a journey?

Yes. We will pay for the reasonable additional travel and accommodation expenses (3 star accommodation and economy class travel expenses) incurred*

*All amounts paid are up to the maximum of the particular benefit included in a policy and above statements are subject to the terms and conditions of the policy wording.

Does a TIC policy provide cover in the event that a current or future journey needs to be CANCELLED, CUT SHORT, POSTPONED or EXTENDED DUE TO LOCKDOWN as a result of Covid-19 (or any other pandemic or epidemic) ?

No. There is no cover as a result of any form of lockdown imposed.

Does a TIC policy cover us for cancelation if we return a positive Covid test at the last minute?
A TIC policy does NOT provide cover if your journey needs to be CANCELLED, CUT SHORT, POSTPONED or EXTENDED or any EXPENSES arising as a result of:
  • Contracting covid-19 prior to travel and having to cancel the trip
  • Compulsory testing to enter a country
  • Compulsory quarantine upon entry into a country
  • Missing a flight because the covid-19 test results weren’t received in time
  • Tests being older than 72 hours and being denied boarding
  • Not being able to return to SA because there is a travel ban/borders suddenly being closed for further lockdowns and having to stay at a hotel until the ban is lifted
  • Flight being cancelled by the airline and moved to another day because of not enough passengers having being booked on the flight as a result of covid-19

See our notice about updates to cover relating to COVID-19

*Note: TIC Policy means a TIC travel insurance policy including any of our bank, corporate or medical aid travel insurance policies.



Travel Insurance Consultants (Pty) Ltd
The Pavilion The Wanderers Office Park 52 Corlett Drive Illovo Johannesburg
P O Box 3337 Cramerview 2060 South Africa
T +27 (0)11 521 4000
F +27 (0)11 521 4401