- Why do I need travel insurance?
Travel insurance provides you with cover against travel risks such as medical emergencies, cancellation, curtailment, luggage loss,
accidental death and disablement and personal liability, allowing you to relax and enjoy your journey with complete peace of mind.
Whilst you pay for your insurance in a local currency any medical expenses will be covered in foreign currency.
- What type of travel insurance should I get?
Travel Insurance Consultants (TIC) has designed a range of quality travel insurance products to provide leisure and business travellers
with cover for their specific requirements in the event of a medical or travel emergency while travelling both locally and abroad.
There are also special policies for Youth and Senior travellers, as well as a Group Policy for groups of 10 or more travellers. Get help with
deciding on the most suitable product to buy.
- What is the difference between TIC’s basic and comprehensive products?
TIC offers Leisure Standard and Leisure Comprehensive policies for travellers up to the age of 69. The Leisure Standard product is
TIC’s budget travel insurance product, suited for travel to neighbouring countries or where the Rand has a reasonable exchange rate,
while the Leisure Comprehensive product is recommended for travel cover to destinations where the Rand exchange rate is high.
Compare these products for Leisure Travel.
- What should I do if I am unable to open my policy documents?
You may need a pdf document reader installed on your device in order to read
If you are still unable to view them, contact us.
- Would skiing be covered?
Yes. Leisure skiing is covered as long as it is not for competitive reasons. Should you be participating in any competitive sporting
event, you will need to advise TIC because you may require additional cover for this.
- Which sports are automatically included?
Sports undertaken for leisure purposes, for example, snow skiing, water skiing and scuba diving, are automatically covered. All other
sports that are deemed hazardous, risky, competitive or professional require a sports extension to be arranged prior to departure. See information on Sports Cover.
- Are pregnant travellers insured?
Yes. Any pregnancy related emergency that occurs up to the first day of the 26th week of pregnancy is covered.
- Can I extend my travel insurance policy?
Yes, as long as you haven’t already claimed on your policy. You will need to contact TIC prior to policy expiration.
- Will I be covered for any dental treatment?
Yes. You will be covered for emergency dental treatment, for immediate pain relief, and any emergency dental repairs.
- I may be performing manual labour during my journey. Will I be covered for any injuries related to this?
Yes. You will be covered up to the limit indicated in your Schedule of Insurance but only under the Business Industrial policy.
- If I am travelling into Africa is malaria covered?
Yes. Emergency malaria treatment is covered. We recommend that you be aware of the risks associated with contracting malaria and take
precautionary measures before departure. Anti-malaria medication should be obtained from a travel clinic prior to departure.
- Who is covered on a Double policy ?
Partners who are romantically linked i.e. husband and wife, same-sex partners, or partners living together. Each partner receives the
relevant limits of liability on the Schedule of Benefits. Children under the age of 21 share in their parents' cover for free.
- Can I change the policy I have purchased to enhance my cover? For example, if I decide I want the pre-existing illness benefit?
Yes, you may, provided you contact us
prior to your departure.
- We are planning to travel. Will we be covered should we cancel/postpone our trip prior to commencement and/or if we have to return home due to an elderly parent dying while we are away?
Our cancellation benefit is applicable up to 6 months prior to your departure date from South Africa. If the death is accidental or due to natural causes, and not as a result of a pre-existing medical condition, then we do provide cancellation cover for such instances.
- I am a UK citizen but I am a permanent resident of South Africa currently living in Cape Town. I am travelling to the UK and then onto Greece and wanted to know if I would be covered by TIC when I purchase a policy?
Yes you can travel on a TIC policy provided that you are a resident of South Africa. Your country of Residence is defined as follows :- The country in which You live and which is regarded as Your permanent home. If You are a temporary resident in a country, that will be deemed to be Your Country of Residence for the purpose of the policy, if You have citizenship of or a work permit or have been resident in that country for longer than 12 consecutive months.
- My daughter is travelling to Thailand to take up a teaching position. What are her options for travel insurance?
A business administrative policy can be bought for your daughter. If she is travelling for longer than 1 year then a youth policy will be more suitable.
- I am 75 and travelling to the UK for 5 months. My medical aid covers me for 90 days only. Is there any way to purchase insurance for the balance of the trip?
Yes, you can purchase our Senior policy for the last two months of travel. The policy must be issued prior to your departure and a Senior policy is valid for a maximum of 92 days. Please enter the date you require cover from into our sales system.
- I am travelling overseas and see my medical aid covers me for 90 days. Do I need any other travel insurance for my journey?
Medical aids would typically not pay for the repatriation of mortal remains and non-medical benefits such as cancellation and curtailment, luggage cover and personal accident and personal liability cover. So consider our Leisure Standard or Comprehensive policy while you are travelling on medicl aid cover.