Credit Card Top Up travel insurance

Credit Card Top Up Travel Insurance for South Africans

  • Up to 15 million Rands for emergency medical protection and evacuation
  • Protection in case your visa is denied
  • Cover for theft or damage of baggage
  • Personal liability of up to 2 million Rand
  • Free pass to airport lounge in case of flight delay

What does Credit Card Top Up travel insurance offer?

Our Credit Card top up travel insurance covers you for the excess amount resulting from a valid medical claim against Your Automatic Medical Insurance offered from Your Credit Card Insurance. Thus, if you are relying solely on travel insurance provided by purchasing your travel transport and accommodation with your credit card, our Credit Card Top Up cover will give you that additional protection that you may need should a claim arise. This gives you a cheaper travel insurance with less comprehensive cover that serves as a back stop for your credit card insurance. See our article on credit card travel insurance.

Who would select Credit Card travel insurance cover?

You may only select this cover if you can prove that you have Automatic Travel Insurance benefits in place as per Your Credit Card company subject to its terms and conditions.

Help and Advice

If you need advice or help in deciding if Credit Card Top Up travel insurance is the most suitable product to buy online click here or  contact us.

When you purchase your travel insurance policy, you will receive the policy terms and conditions and a policy certificate (outlining the benefit and limit of liability), however, if you not receive the policy documentation, please contact our assistance service.

It is easy to buy your travel insurance online. You may use a valid credit or debit card. We use a secured gateway payment via Nedbank Iveri which is safe and trustworthy.

Emergency Assistance Service is operated by International Medical Rescue, in the event of any illness, injury, accident or hospitalization which requires Inpatient and Outpatient treatment anywhere in the world, you must contact IMR at +27 (0) 10 2116981 or email assist24@africa-assist.co.za.

Understand your policy wording

See the schedule of benefits summary by clicking on the “View Benefits” tab at the top of the page. Each section is explained providing what is covered and what is not covered and the conditions applicable. For your convenience we have provide short pop-up explanations of what the schedule of benefit means with a read more link if you would like to read more detail. It is important to read through the policy wording and familiarize yourself with the terms, conditions and exclusions.

 

Europe

Maximum Age Limit
You have to be under 70 to qualify for this policy.
70 years old
Duration of Stay
The maximum number of days this policy will cover you for
180 days
SECTION A
We will pay you up to the amount shown in the schedule of benefits for your proportion only of any irrecoverable unused travel and accommodation costs and other prepaid charges which you have paid or are contracted to pay, together with your proportion only of any reasonable additional travel expenses incurred if: Read more
CANCELLATION AND CURTAILMENT
Trip Cancellation
We will pay you up to the amount shown in the schedule of benefits for your proportion only of any irrecoverable unused travel and accommodation costs and other prepaid charges which you have paid or are contracted to pay, together with your proportion only of any reasonable additional travel expenses incurred if: Read more
R 15,000
Trip Curtailment
We will pay you up to the amount shown in the schedule of benefits for your proportion only of any irrecoverable unused travel and accommodation costs and other prepaid charges which you have paid or are contracted to pay, together with your proportion only of any reasonable additional travel expenses incurred if: Read more
R 15,000
Cancellation for any reason
We will pay you up to the amount shown in the schedule of benefits up to 50% of the actual costs incurred as a result of the cancellation if you cancel your trip for other reason not shown in section A1 Read more
N/A
Denied Visa Application R15,000
Travel Supplier Insolvency
We will pay you up to the amount shown in the schedule of benefits for your proportion only of any irrecoverable unused travel and accommodation costs and other prepaid charges which you have paid or are contracted to pay, together with your proportion only of any reasonable additional travel expenses incurred if your trip is cancelled prior to departure or the additional costs for you to return to your home country if your trip is curtailed, as a direct result of insolvency of the Travel Supplier through whom you booked and purchased your travel arrangements, resulting in the complete cessation of services and if no alternative Travel Arrangements is provided. ....Read More
N/A
Postponement
We will reimburse You up to the Limit of Liability as shown on the Schedule of Benefits for the published penalties additional accommodation costs (three star accommodation and economy class travel expenses) if You have to postpone Your International Journey due to the following reasons only: ....Read More
R2,500
Terrorism
We will pay you up to the amount shown in the summary of cover for the unused portion of your travel and accommodation costs that you have paid or contracted to pay and you suffer a financial loss if you cancel before the start of your trip or you cut your trip short and return home early ....Read More
R2,500
SECTION B
We will pay you up to the limit shown in the schedule of benefits for the following expenses which are necessarily incurred during a trip as a result of you suffering unforeseen bodily injury, illness, disease and/or compulsory quarantine:
EMERGENCY MEDICAL AND OTHER EXPENSES
24 hour Assistance Helpline
We have 24 hour helpline which you can call for assistance in case of any mishap or emergency.
Assistance
Emergency Medical Expenses
We will pay you up to the limit shown in the schedule of benefits for the following expenses which are necessarily incurred during a trip as a result of you suffering unforeseen bodily injury, illness, disease and/or compulsory quarantine: Read More
R 15,000,000
Medical Transportation and Evacuation
We will pay you up to the limit shown in the schedule of benefits for the following expenses which are necessarily incurred during a trip as a result of you suffering unforeseen bodily injury, illness, disease and/or compulsory quarantine Read More
Actual Cost
Evacuation and repatriation of mortal remains or funeral expenses
If you die: i) outside your home area, the reasonable additional burial expenses abroad plus the reasonable cost of returning your ashes to your home, or the additional costs of returning your body to your home ....Read More
Actual Cost
Coffin Expenses
If you die: i) outside your home area, the reasonable additional burial expenses abroad plus the reasonable cost of returning your ashes to your home, or the additional costs of returning your body to your home ....Read More
N/A
Emergency Dental treatment
Emergency dental treatment for the immediate relief of pain (to natural teeth only) incurred outside of your home; ....Read More
R 2,000
Hospital Cash Benefits
We will pay you up to the limit shown in the schedule of benefits for every complete 24 hours you have to stay in hospital as an inpatient or are confined to your accommodation due to your compulsory quarantine or confinement on the orders of a medical practitioner as a result of bodily injury, illness or disease you sustain. Read More
R300 per 24 hours up to a maximum of R3,000
Additional travel and accommodation expenses due to illness
Reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking (for example full- or half-board, all inclusive, bed and breakfast, self-catering or room only), if it is medically necessary for you to stay beyond your scheduled return date Read more
R 4,000 per day Max R20,000 + same class flights
Compassionate visit overseas
Reasonable cost for a friend or close relative to travel from your country of residence to escort minor children under the age of 18 to your home in your country if you are physically unable to take care of them. If you cannot nominate a person we will select a competent person Read More
Economy Class Flight
Pre-Existing Medical Conditions Extension (age < 70)
Pre-existing Medical Conditions (ONLY OPERATIVE IF INDICATED IN THE SCHEDULE) If as a result of a pre-existing medical condition you require medical treatment while on your trip then we will pay for Emergency medical and related expenses up to the limit of liability as stated in your schedule of benefits for the medical expenses and hospitalisation costs. Read more
R 50,000
Pre-Existing Medical Conditions Extension (age 71 - 80)
Pre-existing Medical Conditions (ONLY OPERATIVE IF INDICATED IN THE SCHEDULE) If as a result of a pre-existing medical condition you require medical treatment while on your trip then we will pay for Emergency medical and related expenses up to the limit of liability as stated in your schedule of benefits for the medical expenses and hospitalisation costs. ....Read More
N/A
SECTION C PERSONAL ACCIDENT
Personal Accident
Genric will provide you with the relevant details of diplomatic representatives wherever possible.
R 150,000
SECTION D BAGGAGE LOSS
Theft or Damage of baggage
The limit of the amount we will pay on lost, stolen or damaged baggage
R 10,000
Baggage single item limit - theft or damage
A single item limit applies as per the schedule of benefits. You are advised to insure any valuable items exceeding this single item limit on a separate All Risks policy.
R 2,500
Accidental lost of baggage
All claims for accidentally loss are subject to the limit for Accidental Loss specified in the Schedule of Benefits. An affidavit must be supplied outlining the events that took place when the loss occurred.
R 2,500
Baggage single item limit accidental loss
R 650
Contact lenses , prescription glasses
The limit of cover or contact lenses. ...Read More
N/A
Laptop and similar electronic equipment
The limits of cover for these items.
N/A
Cell phones
The limit of cover for cell phones
N/A
Baggage Delay
We will also pay you up to the amount as shown in the schedule of benefits for the emergency replacement of clothing, medication and toiletries if your baggage is temporarily lost in transit during the outward journey and not returned to you within 4 hours, as long as we receive written confirmation from the carrier, confirming the number of hours the baggage was delayed. If the loss is permanent we will deduct the amount paid from the final amount to be paid under this section.
R 3,000
Loss of personal money R 1,500
Loss of passport and document R 1,500
SECTION E TRAVEL INCONVENIENCE
Travel and Flight Delay
The limits of what you are covered for for flight delay.
R 1,500
Access to Lounge - Dragon Pass Included
Travel Delay due to terrorism
N/A
Missed departure
We will pay you up to the amount as shown in the schedule of benefits for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching your overseas destination if you fail to arrive at the departure point in time to board the public transport on which you are booked to travel for the initial international outbound and return legs only of the trip as a result of: Read More
R 5,000
Missed travel connection
We will pay you up to the amount as shown in the schedule of benefits for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching your overseas destination if your onward connecting Scheduled Flight is missed at the transfer point due to the late arrival of your connecting Scheduled Flight and no alternative onward transportation is made available to you within four (4) hours of the actual arrival time of the incoming flight. Read More
R 5,000
SECTION F PERSONAL LIABILITY
Personal Liability
We will pay you up to the amount as shown in the schedule of benefits (including legal costs and expenses) against any amount you become legally liable to pay as compensation for any claim or series of claims against you arising from any one event or source of original cause, during a trip, for accidental: ....Read More
R 2,000,000
SECTION G LEGAL EXPENSES
Legal Expenses
We will pay up to the amount as shown in the schedule of benefits for legal costs to pursue a civil action for compensation against someone else who causes you bodily injury, illness or death during your trip. Where there are two or more insured persons insured by this policy, then the maximum amount we will pay for all such claims shall not exceed double the amount shown in the schedule of benefits. ...Read More
N/A
SECTION H HIJACK, HOSTAGE, WRONGFUL DETENTION
Hijack, Hostage, Wrongful Detention
We will pay you up to the amounts shown in the schedule of benefits for each 24 hours You are detained in the event that the aircraft or sea vessel in which you are travelling as a fare paying passenger is hijacked ....Read More
N/A
Hijack, Hostage, Wrongful Detention per day
If you are held hostage or if you are wrongfully detained we will pay the daily benefit. ....Read More
N/A
SECTION I REIMBURSEMENT OF UNIVERSITY/COLLEGE FEES
Reimbursement of University/College fees
We will pay you up to the amount shown in the Schedule of Benefits for any irrecoverable pre-paid college /university course fees you have paid or are contracted to pay outside your country of residence if: Read More
N/A
SECTION J CAR RENTAL EXCESS WAIVER
Car rental excess waiver
We will pay you up to the amount shown in the Schedule of Benefits for any excess you have paid on the rental car insurance claim or the cost of repairs to the rental vehicle, whichever is the lesser, if: Read More
N/A