Flight and bag insurance tips

1. Travelling regionally
When travelling into Schengen states or into Africa, ensure that you are sufficiently covered. The cost of private health care in Africa ranks as one of the highest, and some medical aid providers provide limited or no cover when crossing South African borders. Make sure your travel insurance is with a financially robust insurer underwriting the cover.
2. Familiarise yourself with local conditions and laws
To ensure travellers will not place a burden on their medical system or economy, when it comes to applying for a visa, Schengen states have some of the most stringent requirements. To apply for a Schengen visa you require a minimum of €33,000 emergency medical and related cover, and evidence that your insurer has sufficient capacity via a multinational insurer.
3. Get your vaccinations
Ask your travel clinic if you need vaccination for the countries you're travelling to. Most travel insurance underwriters will not provide cover unless you are appropriately vaccinated.
4. Claiming
You have the option to buy convenience covers for insurance against travel delays, baggage theft or lost property. When you claim, ensure that you submit all your supporting documentation and, if required, a letter from the airline.
5. Credit card insurance: When purchasing your ticket with your credit card, you are provided limited travel insurance cover. Ensure that you understand what is covered and what is not.
Most insurers have call centres that will assist on taking out additional cover - advisable and especially necessary when applying for Schengen visas.
6. Local cover for emergency medical expenses
You are covered for inconvenience benefits such as cancellations, curtailment, travel delays, or lost property only when travelling nationally.
7. About insurance: Flight & bag insurance protects passengers against lost, stolen or damaged baggage, flight cancellations, flight delays, missed flight, missed event and personal accident cover. If you’re flying kulula.com or British Airways, purchase travel insurance at R35 per person per flight (including rates & taxes).

About Chubb Insurance: ACE has acquired Chubb, creating a global insurance leader operating under the renowned Chubb name. Chubb has local operations in 54 countries and territories, with extensive branch office networks in many of those locations. Chubb Limited, the parent company of Chubb, is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb’s core operating insurance companies maintain financial strength ratings of AA from Standard & Poor’s and A++ from A.M. Best. Chubb Insurance South Africa Limited is a subsidiary of the Chubb Group, and has been trading in the South African market since July 2006.  Chubb Insurance South Africa Limited maintains a local credit of AA-(ZA) from Global Credit Rating Company (GCR).

Travel Insurance is issued and underwritten by Chubb Insurance South Africa Limited, an authorised Financial Services Provider (FSB 00060/01 – FAIS 27176).The policy wording will take precedence over all the guidance contained in the website and in all instances the T&Cs of the policy wording apply. Chubb only provides general guidance and does not consider your objectives, financial situation or needs; therefore, this guidance cannot be considered as financial advice. Chubb can be contacted on 0861 223 467.