Travelling is an exciting adventure for many South Africans, whether for business or leisure.
However, with the thrill of exploring new destinations comes uncertainty and risk. Travel insurance and travel insurance benefits play a crucial role in this regard, providing a safety net for unforeseen circumstances.
TRA’s International Travel Insurance Benefit With Hepstar
This is an outline of Total Risk Administrators’ Travel Benefit included in our TRA Gap Cover.
Gap Cover is a supplementary health insurance product which covers your medical aid’s shortfall. Gap Cover is neither a medical aid nor a substitute for medical aid. Gap Cover is an additional product added to your health insurance. As a benefit of your gap cover policy, you have access to travel insurance and a range of other benefits.
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:
Eligibility for the Travel Benefit
To access the benefits, you are required to meet the following criteria:
- Be a resident of South Africa travelling abroad or a non-resident travelling to South Africa.
- Be under 71 years of age.
- Travel for business or leisure 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.
See more on TRA’s range of Gap Cover benefits
2025 Travel Policy Overview
Emergency Medical Expenses – Covered
Coverage up to R1,000,000 for inpatient and outpatient treatments you need in the event of an emergency.
Benefits include but are not limited to:
- Emergency Medical and Related expenses: R1 000 000
- 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 500
- Theft, Damage or loss by Airline: R5 000 / Single item limit: R1 500
- Baggage Delay (more that 4 hours): R500
- Baggage Delay (more that 24 hours): R1 000
Exclusions include but are not limited to:
- Sub-limit: Adventure Sports/Hazardous Activities
- Sub-limit: Pre-Existing Medical Conditions
- (more than 48h hospitalisation)
- Sub-limit: Vascular, cardiovascular and cerebrovascular conditions
- Sub-limit: Terrorism
- Sub-limit: Optical and Dental
- Physiotherapy or manipulative therapy
Top-Up Coverage Options
For additional peace of mind, TRA offers a Travel Benefit Top-Up Plan. The top-up plan includes, but is not limited to:
Cancellation, Curtailment, and Postponement
Reimbursement up to R50,000 for listed reasons such as:
- Visa denial (sub-limit: R25,000).
- Unexpected illness or death of a close relative/travel companion.
- Damage or burglary at your home exceeding R50,000.
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.
Flight Delays and Missed Connections
- Compensation for delays over 4 hours: R1,000.
- Alternative economy ticket costs for missed connections due to flight delays.
Please note that the above summarises the top-up policy; be sure to read the full policy.
Why Choose TRA?
Comprehensive Medical Cover
Travellers are often concerned about medical emergencies abroad. TRA’s policy provides financial relief in unexpected situations that you may find yourself in.
Baggage Protection
Financial relief for loss, theft, or damage. Travel mishaps can cause financial strain if you are not covered. TRA’s Travel Insurance offers financial protection for various issues, allowing you to enjoy your journey with peace of mind.
COVID-19 Adaptations
Cover for quarantine and travel disruption. TRA’s Travel Insurance includes specific provisions for COVID-19, covering treatment, testing, and quarantine-related expenses.
Customisable Plans
We offer a variety of plans designed to give you greater flexibility when managing your coverage. In addition, you can always top up the travel benefit even if you would like to add additional coverage to your Gap Cover Insurance Policy.
Trusted Expertise
TRA’s commitment to customer satisfaction and extensive industry experience make us a trusted choice for travel insurance. Our policies are comprehensive and designed with the traveller’s best interests in mind.
Take the First Step Towards Safer Travels with TRA
TRA’s travel insurance has you covered when you decide to take your trip, ensuring you can fully enjoy your journey. Whether you are in need of a comprehensive package or have added layers of protection, TRA is your trusted partner for seamless, stress-free travel.
Our years of experience and a customer-centric approach make TRA a noteworthy choice for travellers seeking reliable travel insurance as a part of their health insurance policies for medical aid shortfalls.
Download our 2025 Gap Cover Brochure
Sign up with TRA for reputable Gap Cover with our Hepstar Travel insurance benefit.
Travel insurance is underwritten by Guardrisk Insurance Company Limited, a licensed non-life insurer, and administered by Hepstar Financial Services (Pty) Ltd, both being registered Financial Services Providers.
