IMPORTANT POINTS ABOUT THIS PRODUCT

This policy is not suitable for business purposes.
Policy must be issued before departure.
A return ticket is required.
Insured must depart from and return to South Africa.
Full duration of the trip needs to be covered.

CONDITIONS AND EXCLUSIONS

1. You will need to pay by credit card through our secure payment gateway. Once your transaction is completed, you will receive your policy documents via the email address that you provide.
2. If you need advice, contact Regent on 0861 900 801 or at travelinsurance@regent.co.za
3. Your travel insurance policy must be issued before your journey starts and the policy start and end dates must match your date of departure and arrival back to your country of residence. Cover ends when you return to your country of residence, even if you return early.
4. The maximum travel period that we will provide cover for is 1 year from the date of departure.
5. Regent can only provide cover for medical expenses to South African residents on international journeys outside of South Africa.
6. Inbound Cover is only for non-South African residents and citizens who are visiting South Africa.
7. Local Cover is for South African residents travelling within South Africa. There is no cover for medical expenses.
8. Africa, Asia, Indian Ocean and Middles East Cover provides very limited cover – consider your requirements, such as whether you have any pre-existing medical conditions, the costs of your travel tickets and the limit of liability for Cancellation cover and the value of your baggage and personal items.
9. Africa, Asia, Indian Ocean and Middle East Cover, Economy Leisure Cover and Luxury Leisure Cover are for leisure travel only. If you are travelling for business and are under the age of 70 years, Business Complete Cover is for you.
10. Accompanying, dependent children under the age of 21 years, may be added to Africa, Asia, Indian Ocean and Middle East Cover, Economy Leisure Cover and Luxury Leisure Cover, but will then share the cover limits with the parents. A maximum of 5 children may be added to a policy for free.
11. Children sharing cover means that if the limit of cover for Cancellation of Journey is R20,000 this limit is shared with the parent and all children.
12. Family cover is available on Africa, Asia, Indian Ocean and Middle East Cover, Economy Leisure Cover and Luxury Leisure Cover. Family cover provides discounted rate (10%) for spouses travelling together, each enjoying full cover. Dependent children under the age of 21 years may be added to the policy for free, but will then share in cover with the parents. A maximum of 5 children may be added to a policy for free.
13. Children sharing cover on a Family policy means that if the limit of cover for Cancellation of Journey is R20,000 for each adult, the total limit on the policy is R40,000 and all family members share in this limit.
14. Cover for medical expenses are provided for EMERGENCY and NECESSARY expenses. If you are hospitalised or any medical treatment is require while you are abroad you MUST contact us immediately on +27 11 991 8419. Medical treatment is provided up to the time that you are stable and a fit to fly is provided by the treating doctor. If further treatment is still required, you will be repatriated back home for further treatment.
15. Pre-existing medical conditions cover is provided under Africa, Asia, Indian Ocean and Middle East Cover, Economy Leisure Cover and Luxury Leisure Cover. There are different levels of cover with Luxury Leisure Cover and Business Complete Cover providing the highest levels of cover – choose your cover according to your needs. Cover is subject to a minimum of 48 hours hospitalisation and there is no cover for doctors’ visits and medicines.
16. If you are over the age of 69 years, there is no cover for vascular, cardiovascular and cerebrovascular (heart and stroke related) conditions.
17. If you are over the age of 69 years, there is no cover automatically for pre-existing medical conditions, but there is the option to buy top up cover. Even if top up cover for pre-existing medical conditions is bought, the exclusion above is still applicable – there is no cover for heart and stroke related medical conditions.
18. Youth Cover is for young people under the age of 31 years travelling for leisure, study or casual work (no contract).
19. Adventure Sports cover is provided under Africa, Asia, Indian Ocean and Middle East Cover, Economy Leisure Cover, Luxury Leisure Cover and Business Complete Cover. Adventure Sports Cover is an optional additional cover on Youth Cover and may be added to the policy for an additional premium. Even when Adventure Sports cover is provided for, there are some activities that will not be covered. Please check the policy terms and conditions to make sure you are covered for any activities you may participate in or call us on 0861 900 801.
20. Scooter and motor cycle driving is covered provided the engine capacity is below 200cc. You must have a valid motor cycle licence (including when driving a scooter) and you must wear a helmet. NB: if you are travelling to Thailand, you will not be covered for medical expenses due to an accident while scooter driving if you do not meet these requirements.
21. There is no cover under the Personal Accident benefit while participating in an adventure activity.
22. There is an option for manual labour on Business Complete Cover. If you will be doing manual labour, you must pay the applicable premium in order to be covered. Call us on 0861 900 801 if you have any questions.
23. Pregnancy, childbirth and any pregnancy related conditions are excluded after the 25^th week of pregnancy.
24. Cover for cancellation for your journey is only provided due to certain events, such as:
    1. Injury, illness, death (pre-existing medical conditions are excluded);
    2. Theft or immobilisation of your vehicle while on the way to the airport;
    3. Your retrenchment 30 days before your date of departure;
    4. Cancellation or diversion of your flights due to unexpected strikes or industrial action;
    5. Unexpected terrorist incidents in a city on your itinerary;
    6. Theft of your travel documents;
    7. A traumatic event 30 days before your date of departure.
25. Loss of or damage to baggage personal items due to an airline carrier, rail or coach operator must be reported to them before you leave the terminal or airport and a written irregularity report must be obtained as proof of the damage or loss.
26. Loss of or damage to personal items due to theft or vandalism must be reported to a local police station within 24 hours of the incident and a written police report must be obtained that provides us with the proof of the loss or damage to the specific items. A police case number must be recorded.
27. Accidental loss of personal items will only be covered if proof of the incident (e.g. affidavit) is provided and proof of ownership or purchase is provided.
28. Cover for loss or damage to baggage and personal items is limited and single item limits apply. Please take note of these in your Schedule of Benefits and ensure that any valuable items are insured on an All Risk policy.
29. If you wish to extend your policy while you are abroad, email us at travelinsurance@regent.co.za at least 1 week before your policy expires. If there has been no change in your health (no medical claims experienced) and the maximum period of cover allowed on the policy will not be exceeded, we will review your extension, subject to the payment of any additional premium.
30. Wilful and foreseen exposure to war and terrorism is excluded.
31. A policy may be cancelled before the start of a journey and premiums will be refunded, provided that a visa has not been approved based on the policy, unless the entire journey is also cancelled.
32. Top up options on some benefits are available at an additional premium. For example, if the limit for Cancellation under the policy you purchased is R10,000 and the value of your flights and accommodation is R40,000, you may purchase an additional R30,000 cover at an additional premium.
33. These conditions and exclusions are not exhaustive. Please read the policy terms and conditions before you purchase your policy. Click here for the terms and conditions. 

BENEFITS PROVIDED

Below is more information on the benefits provided on a travel insurance policy:

EMERGENCY AND MEDICAL RELATED EXPENSES

This essential benefit provides cover for unexpected illness or injury. This will cover out-patient treatment, hospitalisation, evacuation, repatriation and return of mortal remains.

PERSONAL ACCIDENT COVER

This benefit pays out a cash benefit for death or permanent disablement due to an accident.

ASSISTANCE SERVICES

Europ Assistance provides some added value assistance services in certain emergencies, such as cash advances, legal assistance and household assist.

CANCELLATION AND JOURNEY INTERRUPTION

1. Cancellation of your insured journey before it starts
   1. We will cover irrecoverable pre-paid expenses if you cannot travel at all due to the events mentioned in point 24 above.
2. Cutting your journey short after it has started
   1. We will cover irrecoverable pre-paid expenses if you need to return home early due to certain events.
3. Cancellation due to your visa application being denied
   1. You must meet all visa requirements
4. Cancellation due to any reason
   1. Only provided under Luxury Leisure Cover and Business Complete Cover
   2. You must buy your policy within 24 hours of paying a deposit for your travel ticket
   3. The cancellation must be made more than 48 hours before your booked departure
5. Postponement of your journey
   1. We will cover irrecoverable pre-paid expenses if you cannot travel at all due to certain events.
6. Travel supplier insolvency cover
   1. We will cover irrecoverable pre-paid expenses if you cannot travel due to your travel supplier (e.g. airline) being liquidated. This does not cover a travel agent who is liquidated.
7. Travel delay
   1. Cover for essential expenses when your scheduled departure is delayed due to strike, bad weather or mechanical breakdown
8. Missed connection
   1. If you miss a connecting flight due to the delay of the incoming flight we will pay for you to continue your original itinerary. You must leave 4 hours between your incoming and departure flights.
9. Natural disaster cover
   1. If your prepaid accommodation is destroyed due to a natural disaster, we will pay for the unused accommodation and the additional accommodation expenses for new alternative accommodation.

BAGGAGE AND INCONVENIENCE COVER

Cover for the theft of, loss or damage to your personal belongings, cash and travel documents. We also pay for essential items if your baggage is delayed. Single item limits apply and expensive items should be covered on an All Risks policy.

PERSONAL LIABILITY

We cover costs if you become legally liable for accidental harm to a person or their property.

HIJACK OF PUBLIC TRANSPORTATION

This benefit pays out a cash benefit for each full day you are detained under duress if the public transport in which you are travelling is hijacked.

KIDNAP AND WRONGFUL DETENTION

We pay reasonable fees and expenses as a direct result of your kidnap or wrongful detention. The cover is only provided under Luxury Leisure Cover and Business Complete Cover. There is no cover for ransoms or other payments made to the persons holding you against your will.

RENTAL CAR EXCESS

Reimburses you for the excess you have paid on a rental car insurance claim experienced during your insured journey. Cover is provided on Luxury Leisure Cover and Business Complete Cover.

EXCESS WAIVER

For an additional premium we will waive all excesses, other than the 48 hour hospitalisation excess under pre-existing medical conditions cover.

HOW TO CLAIM

Europ Assistance South Africa is our claims assistance partner and manages claims on our behalf. If you have a medical emergency while you are on your journey, call Europ Assistance on

+27 11 991 8419 immediately and they will assist you.

Non-medical or non-emergency claims can be submitted upon your return back to South Africa. Contact Europ Assistance on +21 11 991 8419 or e-mail them at assist@europassistance.co.za . A claim form will be sent to you, which must be completed and submitted back to this email address along with all supporting documents.

A claim must be submitted to us within 60 days of your return back to South Africa.

FREQUENTLY ASKED QUESTIONS

Why do I need travel insurance?

You leave behind everything that is familiar – your home, parents, loved ones and doctors. One call to Europ Assistance will keep you covered 24 hours a day, worldwide, for those unforeseen situations.

Will you be able to pay for those unforeseen medical expenses, flight delays, theft of luggage, baggage delays, etc? If you can’t afford travel insurance, can you really afford to travel?

Am I covered for pre-existing conditions?

Yes, you will be covered for pre-existing medical cover provided you are hospitalised for more than 48 hours and you are not travelling against the advice of a doctor. There are limits to pre-existing benefits and the different options of cover provide different limits. Luxury Leisure Cover and Business Complete Cover provide the highest levels of cover of R500,000..

What must I do in the event of a claim?

Europ Assistance South Africa is our claims assistance partner and manages claims on our behalf. If you have a medical emergency while you are on your journey, call Europ Assistance on

+27 11 991 8419 immediately and they will assist you.

Non-medical or non-emergency claims can be submitted upon your return back to South Africa. Contact Europ Assistance on +21 11 991 8419 or e-mail them at assist@europassistance.co.za . A claim form will be sent to you, which must be completed and submitted back to this email address along with all supporting documents.

A claim must be submitted to us within 60 days of your return back to South Africa.

Can I extend my policy whilst I am overseas?

Yes, provided you had no claims and the policy did not expire, the policy will be extended.

When should I purchase my travel insurance?

When you purchase your airline ticket, you must purchase your travel insurance. Cancellation cover is effective from the date of purchase.

Under the family cover, do children share cover?

The spouse and husband are fully covered whilst children under the age of 21 share benefits. For example, if the limit of cover for Loss of Baggage is R10,000 per adult, the total limit amount of R20,000 is shared between the two adults and the children. Children are able to be covered fully on an individual policy if required.

I have left country, can I purchase whilst abroad?

No, you cannot purchase travel insurance if you have already departed from the country.

I’m going on a snowboarding adventure holiday. Should I take out special travel insurance for this?

It’s critical to check the benefits provided by your travel insurance policy. You need to ensure your policy includes cover for adventure activities but this cover does not include every type of sport. Please contact the Regent Travel Call Centre on 0861 900 801 for all the details.

If my car breaks down when I am in the bush, will my travel insurance cover this?

No. Travel insurance only covers loss or damage to luggage and personal belongings carried with you on a journey. A motor vehicle is not a luggage item or “personal belonging”.

I’m going hiking in a remote area. Do I need special insurance in case I fall and need to be airlifted to receive medical treatment?

Regent’s travel insurance policies include hiking, but not in every instance. Please contact the Regent Travel Call Centre on 0861 900 801 for all the details.

I’m renting a car overseas – do I need to take out insurance with the rental company?

Most of our travel insurance policies will not cover a rented vehicle for loss or damages. You need to arrange this cover with the car rental company directly.

If I leave my laptop in my luggage and it’s stolen, will my travel insurance cover this?

Our policies do not cover loss or damage to a laptop or camera when stored in your luggage, because of the high risk. A laptop or camera must be kept on your person at all times to ensure safety from damage and loss.

If I leave my laptop in my luggage and it’s stolen, will my travel insurance cover this?

Our policies do not cover loss or damage to a laptop or camera when stored in your luggage, because of the high risk. A laptop or camera must be kept on your person at all times to ensure safety from damage and loss