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TRA’s Travel Insurance

Travel Insurance

Travelling is an exciting adventure that many South Africans embark on for various reasons, but with the thrill of exploring new destinations comes uncertainty and risk.

This is where travel insurance comes in, providing a safety net for travellers in case of unforeseen circumstances.

TRA’s International Travel Insurance:

This is an outline of Total Risk Administrators’ Travel Benefit included in our TRA Gap Cover.

Who Can Access The Travel Benefit?

You are only eligible for benefits if:

  • You are named as a policyholder on a TRA Gap Cover policy on the Policy Schedule;
  • You are a resident of South Africa travelling to another country;
  • You are under the age of 71 years;
  • You are travelling for business or leisure purposes, not with the intention to permanently or temporarily reside or take up work in another country;
  • You are travelling no more than 180 consecutive days;
  • You are healthy and fit to travel and not travelling against the advice of a Medical Practitioner.

TRA Travel Policy Overview

This is a concise overview of the TRA’s travel insurance policy’s benefits, conditions and exclusions:

Emergency Medical Expenses:

  • Covers inpatient and outpatient treatment over R10,000 (contact assistance number required for treatment above this amount).
  • Excludes pre-existing conditions, accidents under certain conditions (e.g., motorbike accident without a valid motorcycle license), non-compliance with medical advice, influence of alcohol/drugs, pregnancy-related issues after 26 weeks, and lack of recommended vaccinations.

COVID-19 Medical Extension:

  • Includes coverage for treatment and testing of COVID-19 during the trip, accommodation for up to 14 days during compulsory medical quarantine, and costs for changing flight tickets post-quarantine.
  • Requires a COVID-19 vaccination certificate or negative test for claims.

Baggage and Personal Possessions:

  • Covers loss, theft, or damage
  • Conditions and exclusions include damage to screens, consumables, aesthetic damage, and valuables not safely stored.

Personal Accident:

  • Excludes coverage if participating in hazardous activities, adventure sports, or manual work.

General Exclusions:

  • Travel against medical advice, for medical treatment, to countries engaged in war, under sanctions, or experiencing epidemic/pandemic events (excluding certain COVID-19-related events in specific plans).

Please note that the above is a summary of the policy; be sure to read the full policy.

Top-Up Your Policy:

One of the significant advantages of travel gap insurance, such as that of TRA, is the customisation it provides travellers. 

The TRA Travel Benefit Top-Up Plan offers additional coverage compared to the travel benefit included in the Gap Cover.

The top-up plan includes, but is not limited to:

Emergency Medical Expenses:

  • Covers pre-existing conditions under certain conditions, treatment for specific medical conditions with sub-limits, and approved adventure sports.
  • Excludes outpatient treatment for pre-existing conditions.

Cancellation, Curtailment, and Postponement:

  • Covers visa denial, unexpected illness or death, terrorist incidents, retrenchment, quarantine, home damage, and more.
  • Excludes, unless specified, pre-existing conditions, travel supplier insolvency, government restrictions, and COVID-19-related events.

COVID-19 Extensions:

  • Covers death from COVID-19, contracting COVID-19 before departure, travel warnings, compulsory quarantine, and changing flights due to travel restrictions.

Travel Delay and Missed Connection:

  • Covers delays and missed connections for specific reasons
  • Excludes COVID-19-related reasons.

Natural Disaster:

  • Covers alternative accommodation for destroyed prepaid accommodation.

Please note that the above is a summary of the top-up policy; be sure to read the full policy.

Why Choose TRA’s Travel Insurance?

Here are several compelling reasons why choosing travel insurance, particularly TRA’s Travel Insurance, is a wise decision:

  1. Travellers are often concerned about medical emergencies abroad. TRA’s policy provides financial relief in unexpected situations.
  2. TRA’s policy provides coverage for loss, theft, or damage to luggage and personal possessions, protecting your valuables during travel.
  3. Travel mishaps can cause financial strain. TRA’s Travel Insurance offers financial protection for a range of issues, allowing you to enjoy your journey with peace of mind.
  4. In today’s travel climate, having coverage that addresses pandemic-related issues is crucial. TRA’s Travel Insurance includes specific provisions for COVID-19, covering treatment, testing, and quarantine-related expenses, adapting to the evolving travel landscape.
  5. TRA’s commitment to customer satisfaction and extensive industry experience make us a trusted choice for travel insurance. Our policies are not only comprehensive but also designed with the traveller’s best interests in mind.

Choosing TRA’s Travel Insurance means opting for a reliable way to safeguard your travel experience.

Be sure to read our full policy for a complete understanding of the policy’s benefits, conditions and exclusions.

Insight from TRA

It’s not just about managing risks; it’s about enhancing your travel experience with the assurance that you are well-protected, allowing you to enjoy your journey with peace of mind.

TRA is a reputable gap cover provider; we pride ourselves on our commitment to offering quality services to clients through offering travel insurance as an additional benefit in their policy.

We place a great emphasis on our dedication to providing affordable and comprehensive solutions, focusing on enhancing our client’s financial security during their travels.

Our years of experience and a customer-centric approach make TRA a noteworthy choice for travellers seeking reliable travel insurance.

Sign up with TRA for reputable Gap Cover inclusive of our travel insurance benefit.

Note: All material on this website is provided for your information only and may not be construed as medical advice or instruction. No action or inaction should be taken based solely on the contents of this information; instead, readers should consult appropriate health professionals on and matter relating to their health and well-being. The information and opinions expressed here are believed to be accurate, based on the best judgement available to the authors, and readers who fail to consult with appropriate health authorities assume the risk of any injuries. Errors and Omissions Excepted. Terms and Conditions Apply.


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