Travel Insurance
Choose from five plans, with medical cover of up to US$325,000 and 24-hour assistance wherever you land.
Every plan includes
- Medical and medical evacuation cover
- Baggage and travel delay cover
- 24-hour SAS emergency assistance
- War and terrorism protection
Find your plan
Every plan includes medical, evacuation, baggage and travel delay cover. Higher plans raise the limits.
Smart Plan Plus
Our most complete cover for worldwide travel, with the highest limits on every benefit.
Smart Plan
Strong all-round protection for worldwide trips at a lower price.
Budget Plan
Essential worldwide cover for travellers who want good value.
Schengen
Made for trips to the Schengen countries of Europe.
Student
For students travelling abroad to study, up to 40 years of age.
What you are covered for
Benefit limits in US$.
| Benefit | Smart Plus | Smart | Budget | Schengen | Student |
|---|---|---|---|---|---|
| Medical expenses | 325,000 | 200,000 | 150,000 | 100,000 | 75,000 |
| Medical evacuation | 50,000 | 30,000 | 25,000 | 20,000 | 15,000 |
| Return of mortal remains | 50,000 | 20,000 | 10,000 | 7,500 | 5,000 |
| Personal accident | 40,000 | 35,000 | 30,000 | 15,000 | 10,000 |
| Dental expenses | 1,000 | 1,000 | 1,000 | 500 | 1,000 |
| Hospital cash per day (max) | 45 (750) | 35 (500) | 25 (350) | 25 (300) | 10 (200) |
| Cancellation and curtailment | 3,500 | 2,500 | 1,500 | 1,000 | 1,000 |
| Loss of luggage and effects | 3,500 | 2,500 | 2,000 | 1,000 | 1,000 |
| Loss of passport | 1,500 | 1,000 | 1,000 | 500 | 500 |
| Baggage delay | 1,500 | 1,000 | 750 | 500 | 500 |
| Missed departure | 1,000 | 750 | 500 | 350 | 350 |
| Legal assistance abroad | 1,000 | 1,000 | 750 | 500 | 500 |
| Advance bail bond | 20,000 | 15,000 | 10,000 | 10,000 | None |
| Personal liability | 200,000 | 200,000 | 200,000 | 150,000 | 100,000 |
Also covered on most plans: optical, follow-up treatment, coffin expenses, accompanying family members, return of children and travel companions, loss of deposits and hijack of public transport. Medical deductible: US$50 inbound and within Africa, US$100 outbound.
Help when you need it
24-hour SAS assistance, on every plan
- Cash advance and consular referral
- Emergency accommodation and travel arrangements
- Delivery of medicines
- Long-distance medical information
- Referral to a local medical specialist
- Relay of urgent messages
War and terrorism protection
- Personal accident and medical cover extend to war and terrorism on all plans.
- Nuclear, biological and chemical terrorism are excluded.
Simple, clear prices
Individual premiums in US$ by trip length, for travellers up to 70 years. Travellers up to 80 years: see senior rates below.
| Trip length | Smart Plus | Smart | Budget | Schengen |
|---|---|---|---|---|
| 1 to 8 days | 41 | 32 | 28 | 24 |
| 9 to 14 days | 82 | 63 | 52 | 46 |
| 15 to 21 days | 143 | 100 | 78 | 56 |
| 22 to 32 days | 164 | 126 | 100 | 67 |
| 33 to 49 days | 200 | 154 | 125 | 82 |
| 50 to 62 days | 226 | 225 | 176 | 113 |
| 63 to 92 days | 285 | 280 | 227 | 115 |
| 93 to 184 days | 350 | 340 | 285 | 235 |
| Annual multi-trip | 422 | 412 | 338 | 300 |
Student plan: US$200 for up to 90 days, US$247 for up to 184 days, US$323 for up to 365 days (up to 40 years).
Continuous annual trip rates
Annual premiums in US$ for frequent travellers and long stays.
| Plan | Annual multi-trip | 185 to 365 days |
|---|---|---|
| Smart Plan Plus | 422 | 521 |
| Smart Plan | 412 | 512 |
| Budget Plan | 338 | 410 |
| Schengen Plan | 300 | 369 |
The 185 to 365 day premiums on the Smart Plus, Smart and Budget plans include USA and Canada. The Schengen plan covers Schengen countries only. Students travelling up to 365 days: see the Student plan above.
Senior travellers: cover up to 80 years
Travellers up to 80 years can be covered on the Smart, Budget and Schengen plans. A disclosure form must be signed by the proposer.
| Trip length | Smart Plan | Budget Plan | Schengen Plan |
|---|---|---|---|
| 1 to 8 days | 80 | 70 | 60 |
| 9 to 14 days | 163 | 130 | 117.50 |
| 15 to 21 days | 250 | 200 | 144 |
| 22 to 32 days | 325 | 260 | 170 |
| 33 to 49 days | 400 | 320 | 213 |
| 50 to 62 days | 575 | 460 | 294 |
| 63 to 92 days | 725 | 590 | 375 |
Senior premiums in US$ for travellers up to 80 years, for trips of up to 92 days.
Made for every kind of traveller
Groups of 10 or more
- Smart Plus: $3.75 per adult per day, $3.05 under 18
- Smart: $3.50 per adult per day, $2.80 under 18
- Budget: $3.00 per adult per day
Sports add-ons
- Winter sports cover: add 40% to the premium
- Golf cover: add 10% to the premium (Smart Plus and Smart)
- Ski pack and replacement ski equipment benefits on Smart Plus and Smart
Ready to travel with confidence?
Get a quote for your destination today and get covered before you go.
Get a Quote NowBenefits are in US dollars. This brochure is a summary and not a contract of insurance.