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What TIC covers
At TIC, we make sure your travels are safeguarded every step of the way, offering comprehensive cover that protects you from unexpected events, wherever your trip takes you.
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TIC travel insurance cover
At TIC, we're committed to protecting your trip, whether you're travelling for business, leisure, to study, or to visit loved ones. Our travel insurance covers you against the unexpected - from medical emergencies and trip cancellations to loss of personal belongings and travel delays - helping you stay protected and stress-free, no matter where you are. With TIC, you can embark on your travels with confidence knowing you have reliable, comprehensive cover that puts your safety first.
Why is travel insurance so important
TIC covers unexpected expenses, like medical emergencies or trip cancellations, so you're not left with a massive financial burden while abroad.
Access to reliable, round-the-clock support wherever you are, ensuring that help is just a call away whenever you need it.
Whether you're a business traveller, student, or holidaymaker, TIC provides tailored coverage options to meet your specific needs.
From flight delays to loss of personal belongings, TIC helps protect the money and time you've invested in your travels, so you can focus on enjoying your trip.
Summary of benefits of our travel insurance
Emergency medical and related expenses
Covers unexpected emergency healthcare costs during your trip, ensuring you receive prompt medical attention, hospital stays, and necessary treatments without the worry of financial strain.
Trip cancellation or disruption cover
Protects you against financial loss if unforeseen circumstances force you to cancel or cut short your trip, reimbursing prepaid expenses like flights, accommodations, and activities.
Lost or stolen personal belongings
Benefit ensures you're compensated for the replacement of essential items if your luggage, valuables, or travel documents are lost, damaged, or stolen during your trip.
Legal expenses
Legal expenses benefit provides financial protection for legal costs incurred during your trip, helping you address unforeseen disputes or claims with confidence.
Hijack, hostage, and wrongful detention
This benefit provides financial support and assistance if you experience these traumatic events while traveling, ensuring you have access to necessary resources during difficult times.
Return of mortal remains
Return of mortal remains benefit ensures the respectful and compassionate repatriation of your remains to your home country in the unfortunate event of your passing while traveling.
Personal liability
Protects you financially if you accidentally cause injury to someone or damage their property while traveling, covering legal costs and compensation claims.
Quarantine expenses
Reimbursement of unexpected costs for accommodation, meals, and other necessities if you're required to quarantine during your trip due to unforeseen health regulations.
Compassionate medical emergency visit
This benefit ensures travel and accommodation costs are covered for a loved one to join you if you're hospitalised due to a serious medical emergency while traveling.
Pre-existing medical conditions for travellers under the age of 69
Hospitalisation cover for pre-existing medical conditions provides peace of mind by ensuring travellers under 69 receive essential treatment and support for approved chronic or existing health issues while abroad.
Accidental death and disability
This benefit offers financial protection for you and your loved ones, providing compensation in the event of a serious injury or loss of life while traveling.
Car rental excess waiver
Car rental excess waiver reimburses the often-high excess charges if your rental vehicle is damaged or stolen, saving you from unexpected expenses.
Luggage delays
Luggage delay benefit compensates you for essential purchases if your bags are delayed, ensuring you're not left without necessities while waiting for your belongings.
Denied visa (SA passport holders)
Denied visa benefit reimburses non-refundable expenses if your visa application is rejected, helping you recover costs like flights or accommodation bookings.
Replacement personnel (business travellers)
Ensures your business operations run smoothly by covering travel costs to send a substitute employee if you're unable to continue your work trip due to unforeseen circumstances.
View individual benefits of cover
Health and family
- Fit to travel: You must be healthy and fit for travel.
- HIV/AIDS: Medical expenses for HIV or AIDS are limited to R500,000.
- Children's cover: Accompanied children under 21 years may share the liability limit with their parent(s), up to the maximum stated on the insurance schedule.
Trip requirements
- Resident requirement: You must be a permanent South African resident travelling internationally on a return trip.
- Start and end in South Africa: Your international trip must start and finish in your country of residence.
- Travel by sea: If on a sea vessel, emergency services are provided from the nearest port.
- Motorcycle and driving requirements:
- Motorcyclists must have a legal license and wear a helmet.
- Drivers must have a valid driver's license recognised by the country of travel.
- Air travel: Coverage applies when:
- Flying on an assistance-arranged flight, or as a passenger on a licensed aircraft.
- You are not working on the flight in any technical capacity.
Cover details
- Cover area: As specified in your policy schedule (excludes the U.S.A unless otherwise stated).
- Trip cancellation: You should not be aware of any reason to cancel or abandon your trip before departure.
- Policy issuance: The policy must be issued before your trip begins.
- Maximum trip duration:
- Up to 365 days for travellers up to age 69.
- Up to 90 days for travellers aged 70 to 85.
- Date amendments and extensions:
- Change your travel dates up to one year before the original departure date.
- Extend coverage up to the maximum period. If claims have been made against the policy, the extension is subject to approval.
- Early return refunds: If you return early, we'll refund the unused premium based on your actual return date, provided no claims were filed.
- Policy cancellation: You can cancel your policy before departure, but no refunds are issued if a claim (valid or not) has been made.
Claims process
- Notify us quickly: Notify us or the assistance company within 30 days of an incident. You'll be responsible for any claim submission costs.
- Legal proceedings: We reserve the right to handle legal proceedings for claims related to your coverage.
- Multiple policies: If you hold multiple policies with us, you can't receive more than the total claim amount. (This doesn't apply to Accidental Death and Permanent Total Disablement claims.)
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 to others - hear directly from our happy customers.
Location: Democratic Republic of Congo
Paid amount: R400 000
Mr F
Location: Lusaka, Zambia
Paid amount: R235 000
Mr B
Trusted by 2 million + travellers
Member of ASATA
Accepted by all VISA authorities, including SCHENGEN
Secured by Entrust
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Help and FAQ's
Direct
Tel: 0860 100 484 (RSA) or +27 (0)11 521 4000
E-mail: helpdesk@tic.co.za
Claims and emergency
Tel: +27 (0)11 521 4000
Policy-related FAQs
What types of travel situations does TIC insurance cover?
TIC provides cover for a variety of travel scenarios, including medical emergencies, trip cancellations, loss of personal belongings, travel delays, and more. Check the Schedule of Benefits for a full list of coverages.
Are pre-existing medical conditions covered by TIC?
Yes, TIC covers hospitalisation costs for pre-existing medical conditions for travellers under the age of 69.
How long can I travel under a TIC policy?
Cover duration depends on your age: travellers up to age 69 can be covered for up to 365 days, while those aged 70 to 85 are covered for a maximum of 90 days per trip.
What should I do if I need to cancel my trip?
If you need to cancel your trip, ensure it's done before the departure date. Note that refunds are not paid if a claim has already been filed.
Am I covered if I travel to the United States?
Yes, if it is specifically stated on your policy schedule. The Covered Area must specify the USA, if it is not specified, the USA will be excluded. The USA is excluded from coverage unless it is specifically stated in your policy schedule. Check your policy details for confirmation on covered regions.
Service-related FAQs
How do I get a quote for TIC travel insurance?
You can quickly get a quote by selecting your travel dates, destination, and number of travellers in our online quote section. Enter your details and you'll see coverage options tailored to your trip.
How can I contact TIC for claims or emergencies while travelling?
For claims and emergencies, call the TIC claims number listed in your policy. Our 24/7 assistance team is available to support you wherever you are, providing guidance and emergency help when needed.
What should I do if I need emergency medical assistance while travelling?
If you need medical help, contact TIC or our assistance company as soon as possible to get prior authorisation for expenses. This helps ensure full coverage and expedites assistance.
Can I extend my TIC cover if my trip is longer than planned?
Yes, you may extend your policy before it expires, provided no claims have been filed. Extensions are subject to approval and must be within the maximum cover period allowed for your age group.
How quickly will TIC respond to my claim?
Once you submit your claim and supporting documents, TIC processes it promptly. For efficient service, ensure you notify us of any incident within 30 days and provide all required documentation.
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