travel insurance for seniors over 85 south africa

We use cookies to optimise the user experience. Tell me more

Please take note

You are about to leave the Absa website. The content of the website you are visiting is not controlled by Absa. This link is being offered for your convenience and Absa is not responsible for accuracy or security of the information provided. We recommend that you read the privacy policies and terms of the other website. The requested site will open in a new window.

• Private & Wealth
• Absa Online
• Online Share Trading

Wealth and Investment Management

• Business Online Banking
• Electronic Mailbox
• International Trade Finance
• International Cash Management
• iMX Extranet
• Business Integrator Online
• Absa Investments
• Cash Self Service
• Data Security Manager
• ISO Merchant Onboarding
• Commercial Online Banking
• Fleet Management System

Absa Travel Insurance

Relax and enjoy the journey knowing you’re covered for any eventuality.

Call me 

Holidays should be stress-free

We’ll cover you for unexpected incidents that may affect your travel, from a cancelled flight to a lost suitcase or a sudden illness. Absa Travel Insurance options will ensure that you relax and enjoy every journey. Choose the travel insurance option that suits you best.

Stress-free travel

Your top-up cover will cover you for the loss of baggage, money or bank cards, the rejection or delay of your visa, missing a connecting flight or cancelling or delaying your trip.

Discounted rates for couples, families and groups travelling together.

Frequent travellers

Unlimited number of trips (maximum trip duration is 90 days) done within 12 months are covered by our annual multi-trip option.

What you need to know

Already an absa customer.

As a holder of a qualifying Absa Visa card, you automatically get up to 90 days’ Basic Travel Insurance for international journeys when purchasing your return travel ticket(s) with your card. Automatic Basic Travel Insurance is available for travellers between three months and 74 years old.

Top-up cover

If you need more cover you can easily add more benefits to your Automatic Basic Cover.

War is a general exclusion on all Bryte policies. Due to sanctions as well as the prevailing conditions please note that cover on all policies (Basic Travel Insurance as well as Top-up cover) for travel to Russia, Ukraine and Belarus and associated airspace has been suspended until further notice.

Choose the insurance solution you need

We’ll call you with a personalized quote.

Automatic Basic Travel Insurance

Get 90 days’ Automatic Basic Travel Insurance for international trips. You also get medical cover for expenses and personal accidents, plus selected travel-assisted services.

Tell me more

Optional top-up cover

Supplement your Automatic Basic Travel Insurance with a range of benefits that cater for trips up to 184 days.

Top-up Cover for seniors

If you're between 75 and 85 years old, this cover gives you travel insurance for 90, 120 or 184 days or an annual multi-trip.

Tell  me more

Exclusive seniors

Get exclusive cover for 31 days if you are between 86 and 89 years old. Specific terms and conditions apply.

• Basic Travel Insurance
• Optional Top-up Cover
• Top-up Cover for Seniors
• Exclusive Seniors
• As a cardholder of a qualifying Absa card, you qualify for up to 90 days’ Automatic Basic Travel Insurance for international journeys when purchasing your return travel ticket(s) with your credit card.
• Available for travellers between the ages of three months and 74 years.
• Basic Travel Insurance does not cover pre-existing medical conditions and may not include cover for certain hazardous activities. A pre-existing medical condition includes any doctor’s consultation or medical advice or treatment (including prescription medication) that you may have received for any chronic or recurring illness or injury in the year before the insurance under this policy started.
• You have a choice of three optional top-up plans to supplement the Automatic Basic Travel Insurance available to you. Please refer to the optional top-up schedules of benefits in the policy for detailed information on the benefits and limits offered.
• Your card must be used for payment at a point of sale (POS), or you can pay for your public transport carrier ticket by using an online purchase facility (Card Not Present transaction). EFT transactions (payment from the credit card account) do not qualify.
• You only qualify for automatic basic cover benefits when your insured journey begins and ends in South Africa.

Get certificate OR Call me back 

View our top-up rates Read your Travel Insurance Policy   

Visit the Bryte website get your Automatic Basic Cover confirmation, an Absa quote or buy your Absa Top Up Travel Insurance.

Absa Travel Insurance is underwritten by Bryte Insurance Company Limited, a licensed insurer and an authorised FSP (17703).

automatic-basic-travel-insurance

With Optional Top-up Cover, you can add more benefits to your Automatic Basic Cover.

Rates are calculated according to the following age groups:

• Three months to 59 years (inclusive)
• 60 to 69 years (inclusive)
• 70 to 74 years (inclusive)

You can choose from the following trip duration options:

• One to 90 days
• 91 to 120 days
• 121 to 184 days
• Annual multi-trip

The comprehensive offer covers:

• Hijacking of a public transport carrier
• Legal expenses
• Lost or stolen baggage
• Wrongful detention
• Personal Accident Insurance
• Trip cancellation/Cutting your insured journey short
• Additional cover for emergency medical and associated expenses
• Personal loss of money or your passport, as outlined in the policy document.

The standard optional top-up plans may not include certain hazardous activities. Please refer to the hazardous activities listed in the policy wording to ensure that you have cover for your planned activities. If your activity does not appear on our list, please call the Bryte Customer Care Centre on 0861 227 284 or email [email protected] to ensure that you have the appropriate cover in place.

Cover for cardiac, cardiovascular, vascular or cerebrovascular conditions If you are 70 years or older, we do not pay for claims caused by or resulting from any cardiac, cardiovascular, vascular or cerebrovascular illness or consequences or complications that can reasonably be related to these conditions.

This exclusion will not apply if you bought the Optional Additional Cardiac, Cardiovascular, Vascular or Cerebrovascular Cover before the insured journey started. This optional extra cover is only available to travellers between the ages of 70 and 74, including when they buy Optional Top-up Plan 1.

Cancellation Cover

Cardholders of a qualifying Absa card have two Cancellation Cover options available to them, namely: Cancellation for a named reason and Cancellation for an unnamed reason.

• The standard Cancellation Cover for a named reason is explained on pages 69 and 70 of the policy wording document and lists specific named events for which a policyholder can claim.
• Cancelling an insured journey for an unnamed reason is an optional benefit that can be purchased by paying an additional premium. It waives specific exclusions and allows you to potentially claim for an event that is not specifically mentioned on pages 69 and 70, as described above. This Optional Additional Cover is only available on Top-up Option 1 and carries specific conditions as outlined in the policy wording. The Travel Insurance Policy must be bought within 24 hours after making the first (full or part) payment against your travel and accommodation booking. This benefit cannot be used in conjunction with Cancellation for a named reason.
• The specific exclusions applicable to cancellation, both named and unnamed cover, are listed on pages 75 to 76 of the policy wording. When you buy the optional cancellation cover for an unnamed reason, there are a number of exclusions that no longer apply. However, if you do not buy the optional cover for cancellation for an unnamed reason, the exclusions will apply as stated.

View our  top-up rates Read your  Travel Insurance Policy   

Visit the  Bryte website  get your Automatic Basic Cover confirmation, an Absa quote or buy your Absa Top Up Travel Insurance.

optional-top-up-cover

This cover is specifically for travellers between the ages of 75 and 85 and is valid for 90, 120 or 184 days or an annual multi-trip.

The cover includes:

• Baggage loss/theft
• Personal accident insurance
• Wrongful detention and personal loss of money or your passport
• Comprehensive Travel Insurance Cover for emergency medical and associated expenses.

Get certificate OR Call me back

top-up-cover-for-seniors

Absa also offers Exclusive Cover for Senior Travellers between the ages of 86 and 89 years. The maximum period of insurance is 31 days.

• Before purchasing this plan, you are required to provide proof of your medical aid and a medical clearance form completed by your local treating medical practitioner. Cover is subject to pre-approval by Bryte.
• Please refer to the Exclusive Senior Schedule of Benefits in the policy document for detailed information on the applicable benefits, benefit limits and terms and conditions.

Visit the  Bryte website  get your Automatic Basic Cover confirmation, an Absa quote or buy your Absa Top Up Travel Insurance. Absa Travel Insurance is underwritten by Bryte Insurance Company Limited, a licensed insurer and an authorised FSP (17703).

exclusive-seniors

Cover has to be bought for each traveller, including children. Quoted premiums are for each insured traveller.

Discounted rates apply for couples, family/friends and groups travelling together.

Refer to the rates table below.  

Find out more about our insurance solutions

Need to submit a claim.

We will give you all the support you need when you have to submit a travel insurance claim.

Call Bryte on  0860 222 446 or +27 (0) 10 498 7866 Monday to Friday between 08:00 and 16:30 Closed on weekends and public holidays Email  [email protected]

Register and submit your claim here . 

For emergencies

Call us on +1 416 977 9288 (Reverse call charges accepted)

For any medical claims over R10 000, contact the Emergency Assistance Helpline for approval. If you do not get approval, your benefit will be limited to R10 000.

Ensure that you have the following documents available in emergencies:

• Travel Insurance Policy number (if Optional Top-up Cover has been bought) or the credit card number used to purchase the airline ticket
• Current location
• Your telephone number
• Nature of the emergency
• Type of assistance required

Need more help?

Speak to one of Bryte Insurance consultants to get the best insurance for your needs

Call Bryte on  0861 227 284 or +27 (0) 10 498 7856 Monday to Thursday: between 08:00 and 18:00 Fridays: between 08:00 and 17:00 Saturdays: between 08:00 and 13:00

Closed on Sundays and public holidays

Email: [email protected]

Download the Absa Banking App today

Latest offers

Find a branch

Safety and security

Market Indices

Self servicing and help guides

App, Online and other banking 

Exchange rates 

Banking rates and fees

Investor Relations

Citizenship

Media Centre

Sponsorship

Personal Banking

Business Banking

Corporate and Investment Banking

Legal and compliance

Terms of use

Banking regulations

Privacy Statement

Switch to Absa

Business debit order switching

Send your feedback

011 501 5050

or 0800 11 11 55

Absa Head Office: Absa Towers West, 15 Troye Street, Johannesburg, Gauteng, South Africa, 2000

Terms Of Use | Banking Regulations | Privacy Statement  | Security Centre  | � Copyright. Absa Bank Limited, Registration number 1986/004794/06. All rights reserved |  Authorised Financial Services Provider and a registered credit provider (NCRCP7)

• Senior Cover

Our ‘Senior Cover’ policy covers those aged between 71 – 80 years (inclusive). This policy offers R5 million for medical emergency assistance as well as other benefits. Pre-existing cover is included upto a limit of R500 000.

We also provide Senior Cover for those aged between 81 – 85 years (inclusive).This policy offers R1 million for medical emergency assistance as well as other benefits. Pre-existing medical limit is R100 000.

Contact us for more information on or email [email protected]

link=’manually,https://quicktravel.linkhamservices.com/wl/QuickTravel/default.aspx’ link_target=” size=’medium’ position=’left’ icon_select=’yes’ icon=’ue859′ font=’entypo-fontello’ color=’custom’ custom_bg=’#e91128′ custom_font=’#ffffff’ admin_preview_bg=” av_uid=’av-1jxn1wo’]

The main benefits

• MEDICAL EMERGENCY ASSISTANCE
• PERSONAL ACCIDENT
• CANCELLATION

Important documents

Benefits schedule.

Senior Cover Schedule of Benefits 71 -80 years (inclusive).

Senior Cover Schedule of Benefits 81 – 85 years (inclusive)

TERMS & CONDITIONS

Terms & Conditions. It is recommended to read through.

Key Facts. It is recommended to read through.

Buy your travel insurance policy online now

Buy travel insurance for Seniors online now. Travel insurance quick & simple.

IMPORTANT NOTICE

Quick Travel Insurance is a trading style of Ozsum Projects (Pty) Ltd. (2021/886140/07)

Quick Travel Insurance is a Registered Agent of Africa and Worldwide Medical Assistance Services, who are a registered Financial Service Provider, FSP number 44376.

Why Choose Us

• Buy your travel insurance policy online
• Affordable policies for South Africans
• Covered instantly
• Underwritten by Genric Insurance
• Receive policy documents via email

Our Policies

• Africa Asia & Middle East Cover
• Business Cover
• Worldwide Cover
• Inbound Cover
• Schengen Cover
• Student Cover

CONTACT QUICK TRAVEL

Quick Travel Insurance 6 Sturdee Avenue Rosebank Gauteng South Africa 2196

Advise: 010 211 4858 [email protected]

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

The Best Travel Insurance Options for Seniors [Ages 65, 70, and Over 80]

Christine Krzyszton

Senior Finance Contributor

308 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury

Editor-in-Chief

34 Published Articles 3186 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Table of Contents

Why purchase travel insurance, what you need to know about age and travel insurance, best travel insurance options — ages 65 to 69, best travel insurance options — ages 70 to 79, best travel insurance options — age 80 and above, credit card travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Our senior years can be some of the most exciting years of our lives. If we’re fortunate, we’ll now have the time, and hopefully, the resources, to make our travel dreams come true.

As we age, however, traveling may pose some additional risks. We may be more likely to have health-related issues and therefore the need to seek medical attention during our journey. We may also have occasions where we need to cancel our plans due to health issues or the health of those around us.

Now, more than ever, we need to think seriously about purchasing travel insurance. The good news is that comprehensive travel insurance, regardless of your age, is widely available and relatively affordable. With that being said, chances are you could use a little help getting started with the process of finding and purchasing the right plan.

If you’re 65 years of age or older and thinking about purchasing travel insurance, don’t pull the trigger without reviewing the information in today’s article on travel insurance options for seniors.

Travel insurance can protect you from financial loss due to unforeseen events that can cause you to cancel your trip or disrupt your trip once it’s in progress. As we age and our health declines, we may be more likely to experience such an event.

Travel insurance can cover the following situations:

• You, a family member, or travel companion becomes seriously ill and you must cancel your trip
• You slip and fall while traveling abroad, require medical care, and are forced to stay in a foreign city until you can travel again
• You are on safari and break your ankle, requiring emergency evacuation to the nearest hospital

The types of coverage you can expect to find on travel insurance policies include the following:

• Emergency medical coverage
• Emergency evacuation
• Trip cancellation, trip interruption , and trip delay
• Baggage insurance and personal effects coverage
• Travel accident and accidental life insurance

You may also elect to add coverage such as cancel for any reason insurance (CFAR) , a waiver for preexisting conditions, or car rental insurance.

It’s possible to purchase travel insurance at just about any age. If you’re healthy enough to travel, you’ll generally be able to find coverage. You’ll normally be paying more to purchase coverage as you get older, however, and most policies may have preexisting health stipulations.

The Cost of Travel Insurance

As age increases, so does the cost of purchasing travel insurance . The good news, however, is that premiums tend to vary widely between companies who offer policies for older travelers, so it pays to compare.

The easiest way to compare policies is via insurance comparison sites such as SquareMouth , InsureMyTrip , or TravelInsurance.com . Travel comparison sites make it easy to compare travel insurance policy pricing and coverage options for all ages.

We’ve used these sites to find most of the comparison quotes provided in this article.

Preexisting Conditions

As we age, we’re more likely to have preexisting health conditions, which can be excluded from most travel insurance policies. Once again, the good news is that preexisting condition exclusions are generally limited to a specified timeframe previous to the effective date of your policy.

If you have shown symptoms or been treated within a specified time period before your trip, usually 90 to 120 days, your condition may not be covered for certain coverages such as trip interruption, cancellation, or emergency medical. Each company’s requirements may differ.

Also, on a positive note is that many insurers allow you to purchase a preexisting condition waiver when you purchase your policy.

Travel Insurance and Medicare

Health insurance may or may not cover medical costs abroad. And even if there is coverage, evacuation costs may not be included. The same scenario exists with Medicare.

Medicare will not cover medical expenses incurred abroad . There are very limited situations where Medicare may grant coverage, such as if you reside in the U.S. and a foreign hospital (such as a Canadian hospital) is closer to your residence than the U.S. hospital, or you’re traveling through Canada to reach another U.S. state or territory. Also, several terms and conditions apply.

There are Medicare supplement policies you can purchase that can cover you while traveling abroad. You’ll pay a standard $250 deductible, have coverage for 80% of eligible expenses beyond that amount, and have a lifetime cap of $50,000 in coverage.

So even if you have Medicare, a Medicare supplement, or other health insurance policy, there can still be plenty of gaps in coverage when you’re traveling abroad.

For this reason, and the need for additional coverage such as trip cancellation, interruption, delay, baggage coverage, and more, it’s prudent to purchase travel insurance.

Bottom Line: Medicare will generally not cover medical expenses when you’re traveling outside of the U.S. and its territories and Medicare supplement and Advantage policies provide limited coverage. Travel insurance is a wise choice for covering medical expenses and for other travel-related events that could cause you to cancel your trip or disrupt your journey in progress. 

COVID-19 and Travel Insurance

As we advance in age, the chance we will need to cancel a trip due to health-related issues increases. Fortunately, most travel insurance policies cover trip cancellations due to illness. However, travel insurance policies do not cover voluntary cancellations such as canceling your trip due to the fear of getting sick.

Cancel for any reason insurance (CFAR), when added to a travel insurance policy, will allow you to cancel your trip for any reason you deem necessary. It will even cover you if you simply decide not to go.

While CFAR insurance allows you to cancel your trip for any reason, including COVID-19-related issues, the coverage will not reimburse 100% of your costs. The coverage can only be purchased when you purchase your travel insurance or for a short window following the purchase. CFAR insurance can also be expensive.

Our article on COVID-19-related trip cancellations goes into a lot more detail.

Priorities change as we change and as a result, we may have different insurance needs at age 65 than we do at age 80. Here are some examples of travel insurance plans that might be a fit for travelers age 65-69.

World Nomads — Best For Active Seniors

If you’re under age 70, you’ll find comprehensive travel insurance coverage with World Nomads . What sets World Nomads apart from other insurance providers is that they’re experts at insuring active travelers who participate in adventurous activities.

While World Nomads does not offer CFAR insurance, COVID-19 is not excluded as an illness for trip cancellation and emergency medical coverage.

World Nomads only insures those travelers under age 70 and refers older travelers to its partner TripAssure .

For a traveler 68 years of age, traveling to the Netherlands for 8 days, with a total trip cost of $3,000, here are some sample costs.

The main differences in these plans are that the Explorer Plan covers an expanded collection of over 200 covered adventurous activities, has higher limits for trip interruption/cancellation/delay and emergency evacuation, and includes rental car insurance.

Secure your own quote from World Nomads .

Allianz — Best for Annual Multi-Trip Policies

Allianz simplifies purchasing travel insurance with its offerings of travel insurance package policies. You can select from single trip policies with several levels of coverage options or annual multi-trip policies that cover every trip you make during the policy period, even ones you haven’t yet planned.

If you travel frequently, or even a few times each year, purchasing an annual, multi-trip plan could be a cost-effective way to protect all your trips.

To learn more about Allianz and its policy offerings , you’ll want to check out our review for details.

Hot Tip: Be sure to compare the price of an annual multi-trip travel insurance policy to a single-trip plan, even if you are only currently planning 1 trip. You may find a better value in the annual multi-trip policy and not have to purchase additional coverage if you should decide to travel again during the policy period. 

Best for Covering COVID-19 Cancellations

Many policies will cover trip cancellation due to getting the virus, but none will cover cancellation due to the fear of getting the virus. To cover cancellations based on the fear of COVID-19, you’ll need a policy that allows you to add CFAR insurance .

The following are just a sampling of companies that offer this option on their policies.

• John Hancock
• Seven Corners

Please note that not every policy these companies offer allows you to add CFAR coverage.

For more information on travel insurance covering COVID-19 , we’ve put together an informative article.

There are a lot of reasons to embrace the wanderlust and travel in your 70s. By then, many have retired and perhaps have more money to spend on travel. There can also be a sense of urgency to travel while we’re still healthy.

As we’ve mentioned, however, as we age we are more apt to have health issues. Fortunately, this doesn’t mean we’ll be unable to purchase travel insurance. Even into our 70s, we’ll have plenty of travel insurance options, and coverage can still be affordable.

Best for Preexisting Conditions

Since travel insurance is meant to protect you from unforeseen events, having a preexisting health condition may rule out any chance of coverage for that issue. However, several companies allow you to purchase a waiver so that preexisting health conditions can be covered.

Here are just a few companies that offer this waiver:

• Travel Guard
• Travel Insured

Each company has its own requirements for adding a preexisting condition waiver to your policy. You must purchase the policy within a specific time period, such as within 14 to 30 days after making your first trip deposit payment. You may also be required to insure the entire cost of your trip and your health must be medically stable when purchasing the coverage.

As a senior, it becomes more and more likely that we will actually have to use our travel insurance coverage as we age. However, even at age 80 or beyond, you’ll still find travel insurance widely available and relatively affordable. Some companies are willing to insure older travelers but charge higher premiums , so it’s wise to compare the pricing of several providers.

Above you’ll find a sampling of 4 SquareMouth quotes for single-trip travel insurance policies that include CFAR insurance for a traveler 80 years of age. The trip’s total cost was stated at $3,000 and was 8 days in length. Quotes ranged from $382 (Seven Corners) to well over $1,000 to insure the trip (not all quotes are shown). Coverage limits can also vary greatly, so it can be beneficial to compare policy limits.

If you’re looking to purchase travel insurance and you’re 80 years of age or older, it’s imperative to compare policies for the best pricing and coverage.

Hot Tip: Seniors ages 65 to 99 who are not interested in CFAR (cancel for any reason) insurance, may consider an annual multi-trip travel insurance plan. Allianz is a company that charges the same premium, regardless of age, for its annual plans for travelers ages 65 to 99 . 

There is 1 type of travel insurance that will cover you, regardless of age . U.S.-issued credit cards come with various types of travel insurance coverages that apply to all primary cardholders.

Typical travel insurance coverage found on credit cards includes the following:

• Lost, stolen, or damaged luggage insurance
• Car rental insurance
• Roadside assistance
• Travel accident insurance
• Travel assistance hotline

Premium credit cards such as The Platinum Card ® from American Express and Chase Sapphire Reserve ® also come with valuable emergency evacuation coverage. Additionally, the Chase Sapphire Preferred ® card  is known for its comprehensive travel insurance benefits, including primary car rental insurance .

To learn more about which credit cards come with travel coverage, check out our article on the best credit cards for travel insurance benefits.

Bottom Line: The travel insurance benefits that come with U.S.-issued credit cards do not generally have age limits for coverage. However, many credit card travel benefits may be secondary to other insurance you might have. This means that you might first have to file a claim with your own insurance before the credit card insurance is valid. 

As seniors, purchasing travel insurance should be a priority for protecting your investment and preventing losses you might incur due to unexpected medical expenses during your travels.

With wide availability, regardless of age, it’s not only a prudent economic move, but it’s also a move that delivers peace of mind before and during your trip.

Finally, always make sure to compare policies as coverages and prices vary widely between travel insurance providers.

You can learn more about the best travel insurance companies for travelers  and the basics of travel insurance in our informative articles.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

What is the best travel insurance for seniors over 65.

Since travel insurance is widely available, even for seniors over 65, the best policy can be found by comparing companies and policies.

Using a travel insurance comparison site such as SquareMouth, InsureMyTrip, or TravelInsurance.com can assist you in comparing coverages and costs between only highly-rated financially stable travel insurance companies.

If you travel more than once per year, consider an annual, multi-trip, policy that covers any trip you take during the policy period.

Does travel insurance cover COVID-19?

Travel insurance is meant to cover unforeseen events. Once COVID-19 was declared a pandemic, it became a known event and is not covered as a reason for canceling your trip plans.

However, there are situations where COVID-19-related claims can be covered. If you become ill with the virus before or during your trip, you may be covered for trip cancellation, trip interruption, or emergency medical.

Does travel insurance cover preexisting medical conditions?

A standard travel insurance policy does not cover ongoing preexisting health conditions. However, many companies will insure you if you have a condition that is stabilized with medicine and no recent treatment has been sought. Requirements vary by travel insurance provider.

Also, many companies allow you to purchase a waiver that will then cover you for preexisting conditions.

Does credit card travel insurance cover flight cancellations?

The trip cancellation, interruption, or delay coverage that comes with your credit card does not cover voluntary flight cancellations.

The coverage does cover some flight cancellations due to unforeseen events such as becoming ill prior to, or during your trip. Coverage varies by credit card issuer but you will find a list of specific covered events in your card’s guide to benefits.

You can also call the number on the back of your card and speak with the claim administer.

Was this page helpful?

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

INSIDERS ONLY: UP PULSE ™

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy . This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.

Related Posts

UP's Bonus Valuation

This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

• Schengen Product
• Travel Global
• Annual Multi-trip
• TravelSmart
• Travel Senior
• Policy Document
• Travel Tips
• Insurance Glossary
• Privacy Policy
• Health Declaration and Exclusions
• GET A QUOTE

YOUR ONLINE TRAVEL INSURANCE IN SOUTH AFRICA

Discover our travel insurance products and select the coverages that best suits your needs.,   travel schengen  .

Our Schengen Travel insurance is the perfect insurance to obtain your Schengen Visa. Buy it online starting from R 147** with AGCS SA and get the Schengen visa you need to visit Europe.

From R 147*

  travel global  .

Our travel insurance protects you and your family while you are travelling abroad. Compare our products now and select the level of coverages that best suits your needs.

From R 233**

  annual multi trip  .

Our annual multi-trip  products cover you for all of your trips below 92 days within a year. This is the best cost-effective travel insurance if you are a frequent traveller. Buy once and get covered for a full year.

From R 1887***

  sport covers  .

AT AGCS SA, we know travelling is about experiences and we want you to be covered when you are taking this extra risk that will make the difference. Our Sport cover accompanies you a step further !

From R 582****

  travelsmart app  .

Our TravelSmart app is the perfect travel companion. It provides assistance service while you are abroad. You can use it to locate assistance service such as hospitals or embassies or translate medical terms.

Free for all

* Schengen Travel - Price based on a 30 year old travelling up to 3 days within a Schengen Destination.

**Travel Standard - Price based on a 30 year old travelling up to 3 days within Worldwide excluding USA & Canada geographical zone.

***Travel Schengen Annual multi-trip  - Price based on a 30 year travelling to the Schengen space

****Travel Standard with Sport Cover - Price based on a 30 year old travelling up to 3 days within Worldwide excluding USA & Canada geographical zone

For more information about our optional products prices please refer to the products page.

Terms and conditions apply to all policies and pre-existing medical conditions are not covered  within any products.

5 Reasons Why You Need Travel Insurance That You May Not Have Thought Of

Travel insurance covers many more things which you may not be aware of, or even considered. Here are some of those things

Visa to Europe

Are you wishing to visit Europe and do not know how to apply for the visa. Luckily, we are here to help.

Tourist Visas for South Africans Visiting Ireland:

Get your Irish getaway started today. Learn about the validity of passports, arrival process, visa stamping, and important considerations for seamless travel!

Travel to Italy: A Guide for South Africans on Getting a Tourist Visa

Learn how to apply for a Schengen visa and discover the beauty of Italy. From essential documents to visa application centres, we've got you covered.

US Visa Requirements for a South African Citizen

If you are looking to visit the USA as a South African citizen, then all the visa related information you need to know can be found in this article.

Frequently Asked Questions

How much does a policy cost.

Prices vary depending on the policy type, duration of the trip, where you are travelling to, the age and number of people travelling and whether any options are required.

To find out how much a policy costs:

• Click "Get A Quote"
• Choose the policy type (single trip or annual trip)
• Add any options you require (Winter sports, Hazardous activities, Terrorism cover)
• Enter the dates and destination of the trip you require
• Enter details of the persons requiring cover
• Click 'Submit'

How can I buy a policy?

How do i know that buying my policy online is secure, what if i change my mind about buying the policy.

If your cover does not meet your requirements, please notify us before the date of departure or maximum 30 days after the purchase date of your insurance as stated on the certificate of insurance. We will not refund any premium is you have already travelled or claimed

Schengen cover Premium refunds are only considered for single trip cover, when you are either unable to obtain the necessary visas or the policy does not meet your requirements. Please notify the issuing agent within 48 hours of receiving your policy schedule or start date of the policy whichever is the earlier and return all your documents to them for a refund of your premium.

Contact us by telephone: +971 4 270 8705 email at: [email protected]

Can I buy Allianz Travel insurance if I am not a resident of South Africa?

Does it matter who i book my travel arrangements through, does allianz travel offer an annual multi-trip policy, is there an age limit on the travel insurance policy, when does cover begin and end, what is the maximum trip length, if i return home early do i get a refund of my premium, are there any exclusions to the policy, am i covered for any existing medical conditions.

The policy does not cover claims relating directly or indirectly to any existing medical conditions, if you or anyone to be insured has at the time of taking out this insurance or booking your journey (whichever is the later):

• Been prescribed regular medication
• Received treatment or had a consultation with a doctor or hospital specialist for any medical conditions in the past 6 months
• Been referred to, treated by or are currently under the care of a doctor or a hospital specialist
• Been diagnosed as having a terminal illness

Please click here  to read the Health Declaration for more information.

Am I covered for skiing or other adventure activities?

Am i covered for loss of cash, how do i get my insurance documents, can i purchase a policy if i have already started my journey, if i have any queries, who do i contact, can i still claim even if i don't have receipts for all my personal possessions, who do i contact in the event of a medical emergency, who do i contact to make a claim, how am i ever going to remember all these different contact numbers.

The Travel Insurance Experts

When you are insured with AGCS SA, you have access to a global network of travel experts.  Our travel insurance underwriters have a vast amount of experience and local knowledge about the destinations, cultures and risks of many different countries. This means that we can design a comprehensive cover for your specific needs while understanding the unique challenges faced by people traveling to more remote or exotic locations around the world.

How can we help?

Millions of people rely on us! With 1 intervention every 2 seconds, Allianz is the worldwide leader in travel Insurance and assistance services. Winter Sports, Hazardous Activities, Single trip or Annual cover: We are here for you 24/7.

  Terms & Conditions apply.  

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova; North Korea; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Travel Insurance for Seniors

Travel only gets better when you're over 50. You have enough experience to be comfortable anywhere in the world, from Shanghai to Santiago, and you have the time and resources to plan incredible adventures. Where will your next ticket take you?

Featured Articles

The Simple Guide to Buying Travel Insurance When You're Over 65

This guide covers key benefits and ways for seniors to save money on travel insurance.

Buying Annual Travel Insurance Over 65

If you're retired and a frequent traveler, you need yearly travel insurance...

Get a Quote

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

Type the country where you will be spending the most amount of time.

Age of Traveler

Ages: {{quote.travelers_ages}}

If you were referred by a travel agent, enter the ACCAM number provided by your agent.

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

{{quote.start_date ? quote.start_date : "Date"}}

{{articlePreview.snippet}} Read More

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

Mon - Fri 9am - 8pm

Sat 9am - 4pm

Sun 10am - 4pm

• 0800 294 2969
• Single Trip Travel Insurance
• Annual Travel Insurance
• Cruise Travel Insurance
• Family Travel Insurance
• Staycations
• Winter Sports
• Coronavirus
• Business Travel Insurance
• School Trip Travel Insurance
• All No Upper Age Limit Travel Insurance >
• Car Insurance
• Home Insurance
• Smart Luggage
• Life Insurance

Specialist Travel Insurance with no upper age limit

• Angioplasty
• Atrial Fibrillation
• Cardiomyopathy
• High Blood Pressure
• Multiple Sclerosis
• Breast Cancer
• Skin Cancer
• Lung Cancer
• Prostate Cancer
• Crohn’s Disease
• Back Problems
• Osteoporosis
• South Africa
• All Africa Insurance >
• All Asia Insurance >
• The Dominican Republic
• All Caribbean Insurance >
• All Central America Insurance >
• All Europe Insurance >
• Puerto Rico
• All North America Insurance >
• New Zealand
• All Oceania Insurance >
• All South America Insurance >
• Get a Quote
• Airport Hotels & Parking
• Travel Money
• Travel Advice
• Working with Us
• Medical Advice Hub
• Brand Showcase
• Meet The Team
• Careers: Apprenticeship Scheme
• Amend your policy
• Your Questions Answered
• Make A Complaint
• Making a Claim

Over 85 Travel Insurance – Holiday Insurance for Seniors Tailored to You

An award-winning provider of travel insurance for seniors over 85.

Over 85s Travel Insurance – Offering specialist, tailor-made cover for all travel and health requirements.

Finding seniors Travel Insurance when you’re over 85 doesn’t have to be complicated. We understand it can be difficult to find the right policy, but with Just Travel Cover, we’re here to help. Nobody likes to think that something may go wrong when on holiday,  but having seniors Travel Insurance for the elderly over 85 will ensure you can relax with confidence.

Medical Travel Insurance for Seniors Over 85

We specialise in providing Seniors Travel Insurance tailored to their needs, including those over 85. Our Over 85s Travel Insurance for older people offers cover for hundreds of pre-existing medical conditions. The right level of cover is important for any trip, especially if you are over 85. We want to ensure you are fully covered against any unexpected medical expenses, loss of possessions, or the price of the holiday if you need to cancel for an insured reason. On single-trip policies for seniors, cancellation cover is secured as soon as you purchase your policy. With this in mind, you should secure your Seniors Travel Insurance as soon as you book your trip to have the necessary cancellation cover in place. Whether you’re heading on a cruise, beach resort or another type of trip, we have a Senior Holiday Insurance policy designed just for you. Our Over 85s Travel Insurance aims to address all your travel and health needs, irrespective of your medical condition or prognosis.  Just make sure when securing an OAP Travel Insurance policy that you declare any pre-existing medical conditions that you suffer from to ensure adequate cover and a seniors Travel Insurance policy tailored to you.

Cruise Travel Insurance for Seniors Over 85

At Just Travel Cover, we can also provide over 85s Travel Insurance for cruises, with some of our insurers providing cruise-specific benefits such as missed port departures, cabin confinement, itinerary changes, unused excursions, and cruise interruption. Having substantial cruise insurance for seniors is vital, especially if you have any pre-existing medical conditions that need to be accounted for and are over 85. Many of our insurers offer   Cruise Travel Insurance for seniors with no upper age limit , so if you are over 85, we may have the policy for you. However, this is dependent on other factors, such as your medical history, the duration of your cruise, and the destinations you are visiting. When getting a quote, make sure to answer ‘Yes’ to the cruise question and list each destination you will be voyaging separately, as medical rates vary from place to place. We will then work hard to find you a Cruise Insurance for seniors policy that best meets your unique travel needs.

Over 85s Travel Insurance with Pre-existing Medical Conditions

As medical specialists, we can provide Senior Travel Insurance for hundreds of pre-existing medical conditions , including those over 85. It is important that when getting a quote, you declare any pre-existing medical conditions you have so we can provide you with a holiday insurance for seniors policy that best fits your needs. Accidents can happen anywhere, even on holiday; it is crucial that you are prepared. If your Travel Insurance is not tailored to your medical history or age, your policy may be invalid and not cover the costs of a medical emergency abroad, which can be thousands.

Why Opt for Just Travel Cover’s Over 85 Travel Insurance for Seniors?

Our packages offer a range of benefits tailored for every holidaymaker. From covering hundreds of pre-existing medical conditions to having your travel companions on the same policy, we ensure you travel with peace of mind. Looking for the cheapest over 85s Travel Insurance for seniors? With three levels of cover, we have something for every budget without compromising on quality.

Over 85 Travel Advice

Compare over 85 travel insurance, over 85s travel insurance for seniors faqs.

Frequently asked questions about Travel Insurance for people over 85 .

Can I get Travel Insurance if I’m over 85 with a heart condition?

Yes, we have insurers on our panel that provide travel cover for over 85s with no age limit that specialise in Travel Insurance for pre-existing medical conditions including heart conditions – even if you have had a heart attack or bypass.

Can I get senior Travel Insurance over 85 with diabetes?

Yes, at Just Travel Cover we specialise in Travel Insurance for all ages and hundreds of pre-existing medical conditions, including type 1 and type 2 diabetes. We compare prices from several insurers, and there are schemes that provide Senior Travel Insurance for over 85s. When getting a quote online or over the phone we will ask you a few questions regarding your diabetes as well as your age and destination and then show you a list of options from the insurers on our panel that can provide cover.

Can I get Travel Insurance if I’m over 85 and have cancer?

It is our aim to help people of all ages find the Travel Insurance they need, specialising in cover for pre-existing conditions, including cancer. You will need to make sure the exact type of cancer is declared on your policy, and that you answer all questions appropriately and honestly. We will then show you a list of providers that can provide the Seniors Travel Insurance for cancer that you need.

If I’m over 85 can I get OAP Travel Insurance to cover mental health conditions?

Yes, if you’re in your 80s and living with a mental health condition such as anxiety or depression, it’s important to be covered for these when you travel. During the medical screening process, you may be prompted to call us – this is so we can explain the terms for including or excluding these conditions and how things vary with different insurers. Our Travel Insurance for the elderly provide up to £15m medical cover so you can travel safely in the knowledge that you’ve got the right support if the unexpected happens. All quotes are subject to medical screening.

Are there affordable options for seniors' Travel Insurance with medical conditions?

At Just Travel Cover, we offer Seniors Travel Insurance tailored to your needs at a reasonable price. When looking for ‘cheap’ Travel Insurance, do not compromise on quality, as this could cost you more in the long run. The price of our policies is based on your age, medical history, destination, and duration of holiday, but we do our best to show you multiple options at various price points. We will usually show you a bronze, silver, and gold option, so you can choose a Travel Insurance for seniors policy that best meets your budget. Don’t compromise on quality when securing your Over 85s Holiday Insurance. We cover hundreds of pre-existing medical conditions and offer cover with no upper age limit. Complete our medical questionnaire, and we will compare policies for you.

What types of pre-existing conditions are covered by your old-age pensioner (OAP) Travel Insurance policies?

We can provide for cover hundreds of pre-existing medical conditions regardless of your age. So if you’re an old age pensioner (OAP) over 85 and you suffer from any pre-existing medical conditions, we could have suitable Holiday Insurance for seniors for you. Get in touch with one of our sales advisors today.

Travel Insurance for Over 85s with Pre-Existing Medical Conditions – All Ages, All Stages

Just Travel Cover offer cover for medical conditions at all levels of severity, including a terminal prognosis – with no upper age limit.

Some of the conditions we cover:

• Heart Conditions
• Cholesterol
• Joint Problems (arthritis, back pain)
• Mental Health Conditions
• Liver Conditions
• Breathing Conditions
• Circulatory Conditions
• Disabilities and many more

To ensure you are fully covered in the event of a claim, please declare all your medical conditions in full.

Fast, Easy, and Accurate Online Medical Screening

Our online medical screening will take you just a few minutes to complete. You will be asked a series of multiple choice questions to give us the information we need to provide you with travel insurance quotes tailored to your health and travel requirements. Please have the following at hand:

• Your medical history with important dates
• Names of all your pre-existing medical conditions

Instant Cancellation Cover

Our online quote and medical screening engine enables you to compare and buy travel insurance quickly and easily. Cancellation cover starts immediately from the moment of purchase for you and all the travel companions you include in the policy, so you can relax and focus on getting ready to have a wonderful holiday.

Our Latest News

Travellers risk ‘financial ruin’ without Travel Insurance, say ABTA

May 1, 2024 | Blogs

ABTA says big increase in medical costs abroad makes Travel Insurance even more essential. The travel association has warned travellers that ...

Travel Insurance Checklist – Everything you need to know

Mar 20, 2024 | Blogs

We know that Travel Insurance can be complex especially for those who have pre-existing medical conditions, so we have pulled together our go-to...

Travel Insurance for Kidney Disease

Mar 13, 2024 | Blogs

Travel Insurance for Kidney Disease This March marks World Kidney Day and we're joining in to help raise awareness of kidney disease. We know that...

Compare prices in minutes

Copyright © 2023. Just Travel Cover

• Travel Tips Advice
• Compare Travel Insurance
• Pre-Existing Medical Conditions
• Holiday Home Insurance

Customer Services

• Opening Times

Victoria House, Toward Road, Sunderland, SR1 2QF

Call: 0800 294 2969

Monday - Thursday 9am - 6pm, Friday 9am - 5.30pm

Buy with Confidence

Secure Payments

UK Call Centre

Leading Broker

Justtravelcover.com is a trading style of Just Insurance Agents Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) number 610022 for General Insurance Distribution activities. Registered in England. Company No 05399196, Victoria House, Toward Road, Sunderland SR1 2QF. Our services are covered by the Financial Ombudsman Service. If you cannot settle a complaint with us, eligible complainants may be entitled to refer it to the Financial Ombudsman Service for an independent assessment. The FOS Consumer Helpline is on 0800 023 4567 and their address is: Financial Ombudsman Service, Exchange Tower, London E14 9SR. Website: www.financial-ombudsman.org.uk/

Privacy Overview

Top Travel Insurances for South Africa You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

At the very bottom of Africa, South Africa is a famous tourist destination that's known for its diverse landscapes, Table Mountain, the Kruger National Park with its Big Five, and rich cultural heritage such as traditional music and dance. Although travelling to South Africa can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to South Africa and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

South Africa Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for South Africa:

Best Travel Insurances for South Africa

• 01. Should I get travel insurance for South Africa? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to South Africa scroll down

Heading to South Africa soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for South Africa?

No, there's currently no legal requirement to take out travel insurance for travel to or through South Africa.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to SA or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for South Africa:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to South Africa. It lets you choose between various plans tailored to meet the specific needs of your trip to South Africa, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for South Africa:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to South Africa? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to SA

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for South Africa. However, we strongly encourage you to do so anyway, because the cost of healthcare in South Africa can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Monito is trusted by 15+ million users across the globe.

Monito's experts spend hours researching and testing services so that you don't have to.

Our recommendations are always unbiased and independent.

• Luxury Comprehensive
• Business Comprehensive
• Schengen Visa
• Africa, Asia, Indian Ocean & Middle East Regional Cover
• Youth – For Casual Work and Study
• Credit Card Top Up Cover
• Senior (Over 71-80 years)
• Senior (Pensioners) over 80
• Inbound – For tourists visiting South Africa
• Cover for South African Residents traveling locally
• How to get the right travel insurance
• International Medical Emergency Help and advice
• Tailor your International travel Protection
• 6 Policies that have Annual Multi-Trip (For frequent travelers)

Buy International Travel Insurance Online – South Africa

It is easy to get an instant quote and buy travel insurance online with our step-by-step quotation and purchase facility. It is safe, secure, and fully underwritten by Genric Insurance Company (Ltd) to give you peace of mind. Enjoy traveling knowing you are well covered for any medical emergency.

International Travel Insurance from South Africa

See our selections of cover for South African residents travelling internationally.

Local Travel Insurance in South Africa

Cover for residents and non-residents visiting South Africa.

Which cover should I choose?

A guide to purchasing the best and most suitable cover fit for where you are traveling at the best price.

Information about Travelinsure and what you should do in a medical emergency. Who underwrites our policies?

Six Easy Steps to Buying Travel Insurance Online

1. click buy now button.

This will take you to our online Quotation and purchase system.

2. Trip Details

Quickly Fill in information on age, business or leisure travel, destination & dates of travel.

3. Quote & Policy Choice

Select policy choice based on suitable cover presented showing price and schedule of medical & travel protection benefits. See our range of International policies.

4. Tailor Extra Cover (Optional)

Tailor your cover by adding a choice of Extra benefits. You can read more about it here.

5. Personal Details

Complete personal (Confidential) details on our quick and easy form.

6. Completion

Pay with a card using our secure online payment gateway. Your policy will be emailed and you can relax and look forward to a covered trip.

Why Buy Travel Insurance Online With Travelinsure?

Convenience and professionalism.

Information & Guidance

Terms and Conditions

Copyright Essential World Travel (Pty) Ltd Trading as Travelinsure

For your holidays in South Africa and abroad

Travel insurance for south africa.

South Africa is renowned for its stunning wildlife safaris, vibrant cities, and breathtaking scenery. From the iconic Table Mountain in Cape Town to the vast savannas of Kruger National Park, there's something to captivate every traveler's imagination. Now, as you plan your journey to this enchanting destination, it's crucial to consider your travel insurance needs. In this guide, we'll walk you through everything you need to know about travel insurance for South Africa, ensuring you have a worry-free and enjoyable trip.  

• What should your Travel insurance cover for a trip to South Africa? 

How Does Travel Insurance for South Africa Work?

• Do I need Travel Insurance for South Africa? 

How Much Does Travel Insurance Cost for South Africa?

Our suggested axa travel protection plan, what types of medical coverage does axa travel protection plans offer, are there any covid-19 restrictions for travelers to south africa, traveling with pre-existing medical conditions , what should your travel insurance cover for a trip to south africa.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.  

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for South Africa.

Imagine indulging in South Africa's savory braais and exotic street food. However, after enjoying a delicious meal, you fall ill with food poisoning. In need of urgent medical attention, your travel insurance may cover unexpected health emergencies, including food-related illnesses. With AXA, you can enjoy South Africa's cuisine with confidence.

Here’s how travelers can benefit from an AXA Travel Protection Plan:  

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver) : Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days : Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.

Do I Need Travel Insurance for South Africa?

While South Africa doesn't require travel insurance, we highly recommend securing a policy before your trip. A good travel insurance can protect your finances, especially considering the significant expenses involved in visiting the region.

Why? There are several reasons:  

Medical Emergencies: Given the potential risks of accidents or illnesses while exploring South Africa's diverse landscapes, coverage for emergency medical expenses is crucial. Insurance offers travelers’ access to necessary healthcare without worrying about overwhelming costs.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Trip Cancellation : With South Africa's unpredictable weather and occasional political unrest, trip cancellations may occur. Coverage for trip cancellation may offer reimbursement for prepaid expenses due to unforeseen circumstances.

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to South Africa will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the Silver,   Gold  and  Platinum Plan   , each offering different levels of coverage to suit individual needs. Given that South Africa hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The Platinum Plan is your go-to choice if you're looking for extra coverage for South Africa’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring South Africa's stunning landscapes in a rental car.  

AXA covers three types of medical expenses:

Emergency medical

Emergency evacuation & repatriation

Non-medical emergency evacuation & repatriation  

Emergency medical: can cover unexpected incidents such as broken bones, burns, sudden illnesses, and allergic reactions.

Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation: Can cover evacuation assistance for leaving a destination urgently due to non-medical reasons. This could include events like natural disasters or civil unrest.  

No. Travelers visiting South Africa are no longer obligated to present vaccination certificates or recent negative PCR test results upon entry.  

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold and Platinum   Plans offer coverage for preexisting medical conditions. The Platinum plan is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60 day look back period. We're here to make sure you travel with ease, no matter your health situation.  

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.  

2.When should I buy Travel Insurance to South Africa?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.  

3.Do Americans need travel insurance in South Africa?

Travel insurance is not a mandatory requirement for visiting South Africa. However, purchasing a policy before your trip is highly recommended to cover unforeseen events such as medical emergencies, trip cancellations, or lost luggage.  

4.What is needed to visit South Africa from the USA?

When traveling to South Africa, American citizens must have a passport valid for at least 6 months. Besides the valid passport, only need a return ticket for a 90-day stay is needed.  

5.What happens if a tourist gets sick in South Africa?

If you become sick in South Africa, travelers with AXA Travel Protection can contact the AXA Assistance hotline 855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

Get AXA Travel Insurance and travel worry free!

Travel Assistance Wherever, Whenever

Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip.

• Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Travel Insurance For South Africa: Everything You Need To Know

Updated: Apr 30, 2024, 1:13pm

Table of Contents

Featured Partners

Do I Need Travel Insurance for South Africa?

What does travel insurance for south africa cover, frequently asked questions (faqs).

Tourism is on the rise in South Africa according to the local government , with more than four million tourists visiting the nation in the first half of 2023 alone. Australians form a sizable chunk of those numbers, with an estimated 125,000 Australians touring the country each year pre-pandemic.

With travel still high on the agenda for many Australians, that figure is expected to rise in the coming years.

If you’re considering a trip to South Africa, you’ll want to purchase travel insurance. Our guide explains everything you need to know.

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Yes, Australians should purchase travel insurance for South Africa. While not a legal requirement to enter the country, it is highly recommended from the Australian government—especially for medical care.

The standard of medical facilities in South Africa can vary by region, but medical facilities are generally of a much lower standard than Australia. In fact, many regional hospitals only provide basic facilities, meaning you may have to be relocated in order to receive the right medical attention.

There is no shared healthcare agreement between Australia and South Africa, which makes travel insurance even more essential. If you need to be transferred by air evacuation to a major city in order to receive treatment, and you don’t have travel insurance, you’ll likely face a hefty bill out of your own pocket.

As Smartraveller advises all Australians, if you can’t afford travel insurance, you can’t afford to travel.

Vaccinations to Consider for Your Trip to South Africa

There is a high risk of certain diseases in South Africa, so it is worth making sure your vaccinations are up to date before you travel and taking any preventative measures with you, such as medications.

This can help reduce your chances of needing to seek medical attention.

There is a risk of Hepatitis A and B throughout South Africa, so vaccinations for Australian travellers are recommended. There is also a moderate risk for most travellers of typhoid, so a vaccination is also recommended if you are travelling to smaller cities, villages and rural areas.

Malaria is present throughout the country, so it could be a good idea to equip yourself with malaria tablets before you travel.

It is essential that you consult a medical practitioner regarding your need for vaccinations before you travel to South Africa, especially as some medical conditions can predispose travellers to certain infections.

When purchasing a travel insurance policy for South Africa, you will have the option to choose a basic policy or a comprehensive policy. A basic policy is cheaper , but may turn out to be more expensive in the long run if you aren’t covered for the things you need.

While a basic policy will usually cover medical needs, it may not provide cover for things such as lost luggage and cancellations (or, if it does, will provide it at a much lower claim level).

That’s why a comprehensive policy is highly recommended for travel to South Africa, as you will receive cover for stolen items, lost luggage, delays and more, in addition to medical and emergency dental care.

Smartraveller asks Australians to exercise a high degree of caution due to the threat of violent crime in South Africa, which includes robbery and carjacking.

The government website warns that opportunistic criminals will target travellers at the approaches to tourist-hotspot Kruger National Park, at well-known resorts, and on public transport.

Additionally, as ATM and credit card fraud are common crimes in South Africa, a comprehensive policy can be the more financially sound choice to give you peace of mind.

Going on a Safari?

South Africa is a popular tourist region for many reasons, including wildlife safaris. If you wish to partake in a safari or a game walk—walking with wild animals and a professional guide—you will need to ensure that these activities are covered in your policy’s list of included sports and activities.

If they are not, you will not receive cover for anything that occurs during the safari.

However, your policy may offer the option for you to choose an ‘adventure pack’ at an additional cost, which can include many activities that aren’t covered in the standard offering.

This can also include hiking or trekking to certain altitudes.

It’s important to consider which activities you may be participating in during your trip to South Africa in order to ensure you have the appropriate coverage, and purchase an additional add-on if necessary.

What Travel Insurance Won’t Cover

Your travel insurance policy won’t cover anything that is set out in its exclusions, as per the product disclosure statement (PDS). This could include certain sports and activities (such as a safari), or travel to certain regions in South Africa due to safety.

While each travel insurance policy differs on the fine-print, it is standard for most policies not to cover:

• Cancellations due to ‘disinclination to travel’, being if you change your mind about your holiday;
• Accidents or injuries that occur when not following the appropriate safety guidance or official guidelines;
• Intoxicated behaviour, including recreational drugs;
• Any illegal activity.

Be sure to carefully read the PDS of your policy so you know exactly what you can and cannot claim on your trip to South Africa.

Is it safe to travel to South Africa?

Smartraveller recommends that Australians exercise a high degree of caution when travelling to South Africa, due to the threat of violent crime. This includes armed robbery, mugging, carjacking, credit card theft, and more.

There is a higher risk of violent crime in major cities after dark, or during “rolling blackout” periods.

For these reasons (and more), Smartraveller urges Australians to take out a travel insurance policy before travelling to South Africa.

Do Australians need a visa for South Africa?

No, Australians do not need a visa for South Africa if they are visiting for tourism for stays of up to 90 days.

Where can I buy travel insurance for South Africa?

Most Australian travel insurance providers will cover Aussies wanting to head abroad to South Africa. When shopping around for a policy, you will be able to choose your destination when you request a quote. If there is no option to choose South Africa, this would be a clear indicator that the insurance provider does not provide policies to this region.

At the time of writing, a few of our top picks for comprehensive travel insurance cover South Africa, including Allianz and Cover-More .

Travel insurance providers can revoke the issuing of new policies to certain destinations at any time, especially if Smartraveller changes the alert warning for a country to ‘Do Not Travel’.

• Best Comprehensive Travel Insurance
• Best Seniors Travel Insurance
• Best Domestic Travel Insurance
• Best Cruise Travel Insurance
• Best Family Travel Insurance
• Travel Insurance Cost
• Pregnancy Travel Insurance Guide
• Travel Insurance Cancellation Cover
• Travel Insurance For Bali
• Travel Insurance For Fiji
• Travel Insurance For The USA
• Travel Insurance For Thailand
• Travel Insurance For New Zealand
• Travel Insurance For Japan
• Travel Insurance For Europe
• Travel Insurance For Singapore
• Travel Insurance For Indonesia
• Travel Insurance For Vietnam
• Travel Insurance For Canada
• Cover-More Travel Insurance Review
• Fast Cover Travel Insurance Review
• Travel Insurance Saver Review
• Allianz Comprehensive Travel Insurance Review
• 1Cover Comprehensive Travel Insurance Review
• Australia Post Comprehensive Travel Insurance Review
• Tick Travel Insurance Review

More from  

Top travel insurance tips for australians, our pick of the best comprehensive travel insurance providers in australia, do frequent flyer points expire, travel insurance for canada: what you need to know before you go, travel insurance for vietnam: everything you need to know, tick travel insurance top cover review: features, pros and cons.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.