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Travel insurance with a heart Protecting you, your family, and your business trip
Get affordable superior travel insurance cover for medical emergencies, trip disruptions, lost or stolen luggage. Our policies are accepted by all VISA authorities including Schengen visas.
Get insured in
5 mins
Trusted by 2 million + travellers
Member of ASATA
Accepted by all VISA authorities, including SCHENGEN
Secured by Entrust
Why choose TIC travel insurance
Welcome to TIC - your ultimate travel companion, ensuring every trip is safe and worry-free!
Your safety and satisfaction comes first as we believe that every trip matters. Whether you're travelling on holiday or for buisness purposes, we insure your travel plans with the seriousness they deserve, giving you the freedom to travel with confidence.
24/7 Assistance
Access to 24/7 emergency assistance services via WhatsApp or phone - anytime, anywhere.
Affordable superior cover
Your emergency medical costs covered in foreign currencies and paid directly to the suppliers.
Schengen visa approved
Meets the requirements for holiday and business Schengen Visa's and most other visa authorities.
Simple claims
Conveniently register and track your claim in our client portal with live chat to assist you even while you are still on your trip.
Family first
Protect your family and loved ones from financial burden. Should you face an unexpected issue whilst travelling, we will keep your family informed.
Trusted Santam brand
With over 130 years of combined experience, our reputation guarantees comprehensive cover and exceptional service.
Explore TIC travel insurance
Tailored protection for your trip-no matter what your reason for travel is.
Going overseas to study? We have cover for student travellers
Cover from TIC travel insurance
Explore the world confidently, knowing you're protected every step of the way. Here are the most important covers included in our travel insurance.
Emergency medical expenses
Cover for illness or injury, including inpatient/ outpatient medical costs. Direct international payment of medical bills. Also included is emergency medical transportation to the nearest/most suitable facility.
Trip cancellation or interruption
Our policies offer cover for non-refundable trip expenses due to unforeseen cancellations, delays caused by flight disruptions, and visa denial cover for South African passport holders. We also include compensation for cancellations caused by adverse weather conditions.
Personal belongings
You are protected for your valued personal possessions while travelling, with cover for lost or stolen luggage to help you recover quickly. Our policies also provide compensation for delayed luggage to minimise any inconvenience during your trip.
Business cover
For business travellers, we include emergency medical expense cover and automatically include cover for injuries sustained during manual labour, replacement airfare for a colleague if you are unable to continue your trip, and comprehensive cover for lost, stolen, or delayed luggage during business travel.
Schengen visa requirements
Our policies are Schengen-approved and meet all necessary visa requirements, ensuring a smooth application process. Additionally, visa letters are automatically included with your policy documents for added convenience and peace of mind.
Other
We offer 24/7 worldwide emergency assistance for any travel emergencies, along with accidental death and permanent disability cover for your protection. Our policies also include personal liability cover for unforeseen incidents and access to legal assistance while abroad.
What does TIC travel insurance cover?
Emergency medical and related expenses
If you experience an unexpected illness or injury during your trip, we've got you covered. We'll handle your medical expenses, including hospital care and medication, so you can focus on recovering stress-free.
Pre-existing illness
If a pre-existing medical condition suddenly flares up or takes an unexpected turn during your trip, we're here to help. We'll cover your inpatient costs for an emergency hospitalisation, so you can travel with peace of mind knowing you're protected. For travellers up to the age of 69 years.
Quarantine expenses
If you test positive for an infectious disease during your trip and need to be quarantined, we'll cover the additional costs of accommodation up to your policy limit. Focus on your recovery without the worry of extra expenses.
Leisure sporting activities
Skiing and scuba diving are automatically covered, giving you peace of mind while you enjoy your adventure. For professional sports select the Comprehensive + plan Be sure to check out our sports and adventure page for high risk activities or sports and activities that are excluded from cover.
Medical tourism
Traveling abroad specifically to receive medical treatment is not covered under our policy. Please ensure you have the appropriate arrangements in place for such trips to avoid any unexpected costs.
For travellers aged 70 - 85
For travellers aged 70 to 85, pre-existing cardiovascular and cerebrovascular diseases are not covered under our policy. All other unexpected illnesses and accidents are included in your cover.
Pandemic
Trip disruptions caused by a pandemic, including COVID-19, are not covered under our policy. Should you contract the COVID-19 virus during the trip TIC covers all your emergency medical expenses.
Hazardous / professional sporting activities
Participation in hazardous activities, including for example hunting, skydiving, parachuting, motor racing, or doing the Fish River Canyon hike and trail are not covered under our policy. Be sure to check our Sports cover page to explore additional cover options if you're playing sports professionally.
We are here when you need us most
Discover why travellers trust us as their travel insurance partner. Take a look at these compelling statistics that show how effective and reliable our cover is, demonstrating our commitment to protecting you and your family wherever you go.
Over 50%
of medical claims costs are accident
or injury related
R50 000
is the min average cost of
hospitalisation (per day) in the USA
Knee injuries
are most common Ski Claims
Diabetes
is the most common pre-existing illness claim
£300 - £500
is the average cost range of treating
flu in the UK
Food poisoning
is our most common medical claim ranging from R10 000 to R25 000
- R230 000Age 43, ZimbabweFell down stairs (Concussion)
- R376 000Age 63, UKAnkle fracture
- R550 000Age 60, BelgiumFell down stairs (Head & hand injury)
- R650 000Age 41, MauritiusSlipped at pool (Broken arm)
- R4.9 millionAge 23, USAMVA (Head injury)
- R5.5 millionAge 4, CanadaTrampoline accident
Don't just take our word for it, here's what our customers have to say
Discover how our travel insurance has made a difference for others - hear directly from our happy customers.
Location: Nairobi
Paid amount: R980 000
Mr G
Location: Lusaka, Zambia
Paid amount: R235 000
Mr B
Not All travel insurance is the same
You may ask yourself why you should pay for travel insurance or upgrade from free travel insurance.
Did you know? The top three travel risks are emergency medical costs, cancellation costs, and luggage losses.
TIC offers extensive protection that ensures you're fully covered. When comparing cover, here are some of the benefits you should look out for, which may be excluded or limited.
Emergency medical expenses benefit
Free travel insurance may not be enough for overseas trips. Medical costs, especially for emergencies like ICU care, can be extremely high. Comprehensive cover ensures you're fully protected against these expensive risks
Travel related risks
Unexpected changes happen, but with TIC travel insurance, you're covered no matter what. Compare other offers to ensure you are protected against cancellations. Our comprehensive cover includes cover for a wide range of events, giving you the flexibility to safeguard your trip and ensure your investment is secure.
Family
- We value family, so children under 21 can share cover when traveling with their parents. If you're ill or injured abroad, we also cover the cost for a family member to visit in a serious emergency; and
- Our 24/7 emergency service will keep your loved ones informed.
Other travel-related risks
Unlike some policies where travel-related risks aren't automatically covered, our comprehensive cover protects you from various travel-related risks, including travel delays and missed connections, giving you peace of mind every step of your trip.
Exclusions
Ensure your travel insurance covers: burial or return of remains, pregnancy up to 26 weeks, pre-existing illness up to age 69, trip cancellation, and luggage.
How to buy travel insurance
Buying TIC travel insurance is quick and easy and has been rated by our clients as exceptional! Simply click on the Get Quote or Buy button now to fill in a few quick details and receive your policy or quote within minutes.
All information is safe and secure and protected by Entrust.
Secure your travel insurance up to 12 months in advance. Once you start making plans for your trip, we encourage you to buy travel insurance to protect your investment.
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