Planning your next international adventure? Make sure you have all your ducks in a row.
Exploring new places abroad is thrilling, but it can also involve unexpected risks and uncertainties. We encourage our policyholders to make use of their comprehensive travel insurance benefit, which is included in their Gap Cover insurance policy, as it provides a safety net for unforeseen circumstances and medical emergencies.
All TRA Policyholders Receive Travel Insurance Benefits
TRA’s Gap Cover Policies are supplementary health insurance products that cover the shortfall of your medical aid. As a benefit of your TRA gap cover policy, you have access to complimentary travel insurance as well as a range of other benefits, like our TRA Assist app.
TRA’s travel insurance benefit is underwritten by Guardrisk Insurance Company Limited and administered by Hepstar, ensuring our policyholders can travel internationally with peace of mind.
Here’s a detailed look at the travel benefit you are eligible for when you sign up for one of Total Risk Administrators’ (TRA) Gap Cover Policies:
Firstly, Do You Qualify?
To access the benefits, you are required to meet the following criteria:
- Be a resident of South Africa travelling to another country
- Be under 71 years of age
- Travel for business or holiday purposes (not for permanent/temporary residency or work)
- Stay abroad for no more than 180 consecutive days
- Be healthy, fit, and not travelling against medical advice
- Purchase the policy before departure
Important: Ensure you have your passport and visa documentation ready in advance. For many destinations around the world, visa applications require proof of travel insurance coverage. Contact us if you need assistance with travel insurance documents for your visa application.
Read More About Our Travel Insurance Benefit
What’s Covered, What’s Not
Covered: Emergency Medical Expenses
Our basic travel insurance provides medical emergency cover for inpatient and outpatient medical treatment during a medical emergency.
Benefits include, but are not limited to:
- Medical Evacuation, Repatriation or Transportation to a Medical Centre: Actual expense covered when arranged by Hepstar Financial Services
- Personal Accident Cover: Death: R25 000 / Permanent Disability: up to R25 000
- Theft or Accidental Damage during trip: R5 000 / Single item limit: R1 000
- Theft, Damage or loss by Airline: R5 000 / Single item limit: R1 500
- Baggage Delay (more than 4 hours): R500
- Baggage Delay (more than 24 hours): R1 000
Not Covered: Take Note Of Important Exclusions
Exclusions include, but are not limited to:
- Expenses exceeding R20,000 which have not been authorised by Us in advance.
- Treatment which, based on medical opinion, can reasonably be delayed until you return to your Home Country.
- Adventure Sports and/or Hazardous Activities that are not on the approved list in the Policy Wording.
- Terminal prognosis or cancer of any kind.
- Pregnancy, childbirth, and related conditions after the 26th week of pregnancy.
- The following expenses, if they relate to a Pre-existing Medical Condition:
- Outpatient treatment.
- Dental treatment.
- Treatment to stabilise or regulate a chronic or recurring condition.
- Treatment if you are hospitalised for less than 48 hours, or treatment received after 30 days from initial treatment.
IMPORTANT: For medical expenses exceeding R20,000, you MUST contact Europ Assistance at +27 (0)11 991 8731 or WhatsApp +27 83 676 0411 BEFORE receiving treatment, or coverage will be limited to R20,000.
Top-Up Coverage Options For Additional Cover
For more comprehensive cover, TRA offers a Travel Benefit Top-Up Plan option.
The top-up plan includes, but is not limited to:
Postponement cover, cancellation cover and curtailment cover include a reimbursement up to R50,000 for listed reasons at reasonable costs, such as:
- Visa denial (sub-limit: R25,000) – essential for Schengen visa applications
- Unexpected sudden illness or death of a close relative/travel companion
- Damage or burglary at your home exceeding R50,000
Note: If you need to cancel your holiday or business travel due to a covered event, we will reimburse valid expenses, subject to the policy terms. This protection gives travellers peace of mind when booking their trip around the world.
2. Baggage and Personal Possessions
Coverage for loss, theft, or damage up to R30 000:
- Single item limit: R5,000
- Replacement of essential items for delays over 24 hours: R2,000
3. Flight Delays and Missed Connections
Note: Flight delay compensation is only available with top-up coverage, not basic coverage.
- Compensation for delays over 4 hours: R1,000 (top-up coverage only)
- An alternative economy return travel ticket covers the costs of missed connections due to flight delays
Please note that the above summarises the top-up policy; be sure to read the full policy wording for detailed information.
Why Choose TRA for Your Travel Insurance?
Comprehensive Medical Cover
Travellers are often concerned about medical emergencies abroad. TRA’s travel insurance benefit provides financial protection for unexpected medical expenses and medical treatment that you may encounter during international travel.
Baggage Protection
Financial protection for loss, theft, or damage. Travel mishaps can cause significant financial strain if you are not covered. TRA’s travel insurance offers financial protection in these cases, allowing you to enjoy your journey without worrying.
Top Up Options
Our plans are designed to offer you greater flexibility in managing your travel insurance coverage. This means you can always access more cover through the travel benefit top-up by adding it to your Gap Cover insurance policy.
Trusted Expertise
As a trusted gap cover provider, TRA’s commitment to customer satisfaction and extensive industry experience make us a trusted choice for travel insurance. Our policies provide comprehensive cover and are designed with the traveller’s best interests at heart.
Get TRA Gap Cover & Enjoy Our Travel Insurance Benefit
TRA’s Gap Cover travel insurance benefit has you covered when you decide to take that international trip, ensuring you can fully enjoy your journey to any foreign country. Whether you need basic travel insurance or opt for the top-up cover, TRA has your back.
Enjoy more benefits through the TRA Assist app.
Emergency Contact Numbers:
- Medical Emergencies: +27 (0)11 991 8731 or WhatsApp +27 83 676 0411
- General Enquiries & Claims: +27 (0)86 144 4548 or claims@hepstar.com
Contact our claims team in advance if you have any questions about the claims process or the required documents. They aim to reimburse valid claims promptly, helping you save time and reduce stress during an already difficult event.
Learn More About Our Travel Insurance Benefit
Download our 2025 Gap Cover Brochure
Disclaimer: TRA is an authorised financial services provider. TRA’s Travel insurance is underwritten by Guardrisk Insurance Company Limited, a licensed non-life insurer, and administered by Hepstar Financial Services (Pty) Ltd, both of which are registered Financial Services Providers. TRA’s Gap Cover policies are underwritten by Auto&General Insurance Company Limited.
Note: This travel insurance policy provides essential protection during business and holiday travel. For complete terms and conditions, including benefit limits, please refer to the full policy documents.
