By: Jason Veitch - Head of Accident and Health at Santam Travel Insurance (formerly TIC)

Whether it’s a long-awaited family vacation, a quick business trip, or a last-minute adventure, travel insurance is the single most important item on your packing list. From medical emergencies to lost luggage and trip cancellations, the right policy can literally save lives and rands. 

But to get full value from your policy, Jason Veitch, Head of Accident and Health at Santam Travel Insurance (formerly TIC) says you need to understand exactly what you’re buying – what’s included, what’s excluded, and when the cover takes effect. “Travel insurance isn’t just paperwork for visa applications. It’s a legal contract between you and your insurer, designed to protect you when things don’t go according to plan.” 

Choosing the right cover for your trip 

The right travel insurance plan depends on the nature of your trip. A short city break may only require basic medical and baggage cover, while family holidays typically benefit from policies that include children at no extra cost. Adventure seekers, on the other hand, should ensure their policy covers leisure and high-risk sports such as diving or skiing. 

Business travellers also need to check that emergency medical cover applies if they’ll be on-site for construction, mining or engineering work. “One of the biggest mistakes travellers make is assuming all policies are the same,” says Veitch. “Tailoring your cover to your trip type and itinerary is critical to ensuring you’re fully protected.” 

Prioritise emergency medical cover 

Medical emergencies abroad can be financially devastating, particularly in countries with high healthcare costs. So above all, look for a policy with 24/7 global emergency assistance and generous medical benefits, including cover for hospitalisation.  

Policies can also include valuable benefits beyond emergency treatment, such as repatriation of mortal remains, compassionate emergency visits, and cover for children if a parent is hospitalised or repatriated. “Over and above financial protection, these benefits provide emotional support during some of the most stressful moments a traveller can face,” says Veitch. 

Protect your trip investment 

Cancellations and delays are among the most common travel disruptions. But without insurance, prepaid flights and accommodation may be non-refundable. A good policy covers cancellation from the date of purchase, plus disruption due to illness, severe weather, or strikes. 

“Delays are frustrating, but with the right cover, they don’t have to ruin your trip,” adds Veitch. “For example, if your journey is delayed by more than four hours and the carrier doesn’t assist, Santam Travel Insurance reimburses meals, accommodation or lounge access costs, as well as any missed connections.”  

Understand exclusions before you go 

Every travel policy has exclusions – events, activities, or medical situations that aren’t covered unless specifically added. These exist to protect both parties and ensure fair risk assessment. Common exclusions include: 

·         Travel to sanctioned or conflict-affected countries 

·         Participation in high-risk sports not declared or endorsed 

·         Pre-existing medical conditions  

·         Injuries linked to reckless, illegal, or intoxicated behaviour 

·         Travel against medical advice or after 26 weeks of pregnancy 

·         Mental health issues 

“Knowing your exclusions upfront avoids unpleasant surprises at claim stage. If your trip involves any unique risks, discuss these with your insurer before you travel to incorporate additional protection,” advises Veitch. 

Read the fine print and don’t be afraid to ask questions 

Before travelling, review your policy wording and schedule carefully. Confirm benefit limits, excess amounts, and claim procedures. Declare all medical conditions honestly, ensure your passport and visas are valid, and check that your activities are covered. 

“Travel insurance works on mutual responsibility,” explains Veitch. “The insurer is obligated to pay valid claims, and the policyholder must provide accurate information and follow the policy terms. The clearer both sides are, the smoother the claims process will be.” 

Travel confidently  

The right travel insurance plan can mean the difference between a minor inconvenience and a major financial setback. By using a reputable travel insurance provider with a good track record, travellers benefit from clear, transparent wording and flexible options for business trips, holidays, or extended stays. A good travel insurance provider will offer optional add-ons that include rental car excess waivers, unrest or terrorism cover, and personal liability protection. 

“Travel insurance should be simple enough to compare, customise and buy online,” says Veitch. “A good insurer will remove as much uncertainty as possible, so that travellers know exactly where they stand – no fine-print surprises; just comprehensive protection to ensure a stress-free trip.”