Travel Protection Schedule of Benefits quick guide

Your schedule of benefits explains the overall benefits that you derive from your travel protection should you need to claim. Sometimes it is hard to understand or you need more detail. We encourage you to read your policy wording carefully as everything is explained there, however, for your convenience, we have written a quick guide to help explain your travel protection schedule of benefits.

Index

Click one of the links below to go to that section.
Free Children
Adventure Sports
Optical Expenses
Provisional pain-stilling dental expenses
Accompanying Family member
Compassionate Emergency visit by any one person
Repatriation of mortal remains and coffin expenses
Hospital cash benefit
Medical Expenses due to Terrorism
Pre-existing Medical Conditions
Medical evacuation, repatriation or transport to medical centre
Personal Accident
Legal Assistance
Cancellation
Curtailment
Postponement of your journey
Cancellation due to visa application being denied
Missed Connection
Natural disaster cover for destroyed accommodation
Travel supplier insolvency cover
Baggage Delay
Loss of Cash/Travel doc’s
Theft or Damage to Baggage
Travel Delay

Security Travel Delay
Snow Sports Cover
Personal Liability
Hijack of Public transportation
Kidnap and Wrongful Detention
Rental Car Excess
Excess Waiver

 

 

Free Children

Definition of Child or Children

CHILDREN or CHILD means your natural or adopted Children traveling with you who are under the age of 21 years, unmarried, not pregnant, primarily dependent on your maintenance and support and not in full-time employment.

What Free children allows

Children accompanying you on an identical travel itinerary share cover with you at no additional cost. A maximum of 5 Children can be covered when the benefits are shared. Shared cover means each parent will have the full limit of liability as defined in your schedule of benefits and Children share this liability with the parents. Shared cover is subject to you having legal custody of the Child, the Child being registered at the same address as you, being fully dependent on you, under the age of 21.

Children will be entitled to full benefits, if an individual policy is purchased for the Child.

Read the full policy terms and conditions
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Adventure Sports

What does it cover you for?

If you participate in any of the following activities, provided that the standard safety gear and helmets are worn:

  • Archery  if properly supervised.
  • Badminton, basketball, bowls, bushwalking, camel & elephant riding, canoeing in calm waters, canyoning, cycling, fishing (off land), golf, kayaking, mountain biking, roller skating, rowing, sailing in coastal waters, sea canoeing and sea kayaking, swimming, snorkeling, squash, surfing, tennis, volley ball, non-contact sports, semi-contact sports.
  • Ballooning (organised excursion).
  • Bungee jumping (not exceeding 150 meters and using a body harness as a back-up to the ankle attachment).
  • Hiking on a clearly marked route or when you are accompanied by a recognised guide.
  • Horseback riding (excluding competitions and jumping).
  • Kite surfing at least 100 meters from any obstructions but excluding kite surfing during storms.
  • Mountaineering for recreational purposes. When the use of ropes and equipment are required you are not covered.
  • Scuba diving for recreational purposes up to a depth of 30 meters. You must be a licensed diver and be accompanied by a qualified buddy diver.
  • Recreational snow skiing and snowboarding on green, blue and red slopes only if properly organised and supervised, on a designated run on-piste.
  • White water rafting with experienced guides on rivers with an international scale of river difficulty of Class 1, 2 and 3.
  • Under 200cc motor biking, scooter riding and quad biking (a valid motorcycle license is required for motor bikes and scooters).
  • 4×4 driving on clearly marked roads.
  • Zipline.

What are you not covered for?

Even if you have the Adventure Sport benefit, You are not covered while participating in the following Hazardous Activities including but not limited to:

  • Any professional sport, any organised Full-contact Sport, and Collision Sport (see Sports Extension for Collision Sport under Section 1 – Medical Expenses – adventure sports or Hazardous Activities).
  • Motor cycling and quad biking where the engine capacity exceeds 200cc.
  • Steeple chasing and polo.
  • Any form of hunting.
  • Ballooning that takes place during night while dark (after sunset and before sunrise).
  • Ballooning when the balloon has collided with power lines.BASE jumping, abseiling, big game hunting, deep sea fishing, Extreme Sports, hang gliding, heli-skiing, ice climbing, rock climbing, mountaineering using ropes & equipment, parachuting, parasailing, running of the bulls, skydiving, paragliding, potholing, shark cage diving, zorbing.
  • Bungee jumping exceeding 150 meters, and/or where a body harness was not used in conjunction with an ankle attachment.
  • Horseback riding during competitions and jumping,
  • Hiking when not accompanied by a recognised guide or on a clearly marked route.
  • Kite surfing during storms.
  • Scuba diving when you are not licensed and you are not accompanied by a qualified buddy diver.
  • Ski jumping, snowboard jumping, ice hockey, the use of skeletons or bobsleighs, off-piste skiing,
  • Snow skiing and snowboarding on black and yellow slopes.
  • Snow skiing and snowboarding whilst being employed as a skiing instructor.
  • Snow skiing and snowboarding, whilst undertaking employment where you are required to snow ski or snowboard.
  • Sailing in international waters or passenger on a cruise ship where you are not within reach of land.
  • White water rafting, rated according to the International Scale of Difficulty as Class 4, Class 5 or Class 6.
  • You being the driver of a motor bike or scooter without a valid motor bike license or where a helmet is not worn. A passenger will not be covered if a helmet is not worn.

Read the full policy wording here
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Optical expenses

Regent will pay for:

Where optical treatment is required as a result of a sudden and unexpected Illness, Regent will pay for emergency optical treatment provided by a registered medical practitioner or optician up to R2, 000.  Where optical treatment is required as a result of an Injury, these expenses will form part of the limit of liability under medical expenses.

Regent will not pay for:

Any pre-existing optical condition.

Read the full policy wording here

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Provisional pain-stilling dental expenses

Regent will pay for:

Where dental treatment is required as a result of a sudden and unexpected Illness, Regent will pay for emergency dental treatment provided by a registered medical practitioner or dentist up to R2, 000. If dental treatment is required as a result of an Injury, these expenses will form part of the limit of liability under medical expenses.

Specific condition:

Treatment for Illness must be specified in writing by the treating dentist as necessary for the relief of sudden and acute pain.

Read the full policy wording here
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Accompanying family member

If your travel companion is left stranded in the event of your hospitalisation, repatriation or death, Regent will pay for their accommodation and transportation back to their country of residence, with a qualified escort if necessary, up to the limit of liability in your schedule of benefits.

Read the full policy wording here
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Compassionate emergency visit by any one person

If you are hospitalised outside your country of residence, and you do not have an accompanying family member on your insured journey, Regent will at the recommendation of the attending medical practitioner, pay for reasonable accommodation and travelling costs (excluding telephone calls, meals and beverages) for your spouse or relative to remain with you until you are fit to continue your journey or return to your country of residence. The cost will not exceed the limit of liability.

Special conditions:

Compassionate emergency visits are only covered where your condition is life-threatening or where your stay in hospital is for more than 4 days and nights. You need to contact Regent to approve compassionate emergency visits.

Read the full policy wording here
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Repatriation of mortal remains and coffin expenses

In the event of your death Regent will pay the reasonable costs to repatriate your mortal remains to your country of residence, up to the limit of liability in the schedule of benefit. Your next of kin can choose:

  • Cremation of the deceased and repatriation of the urn;
  • Repatriation of the deceased;
  • Reasonable funeral costs at the place of death.

Read the full policy wording here

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Hospital cash benefit

If you are hospitalised due to Injury or Illness outside your country of residence, Regent will pay you a daily lump sum for each completed day (24 hours) in hospital up to the limit of liability in the schedule of benefits. If you are hospitalised due to a pre-existing condition a 48 hour excess is applicable.

Read the full policy wording here
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 Medical expenses due to terrorism

Regent will pay for:

Medical expenses up to the limit of liability as stated in your schedule of benefits, as a direct result of the below causing bodily Injury to you and arising from:

  • Any Terrorist Act; or
  • The use of military force in response to a Terrorist Act.

Regent will not pay:

  • If there has been a travel warning, alert or advisory issued that such events were likely to occur 48 hours before the departure of your journey.
  • Any Personal Accident benefits.
  • More than the Accumulation Limit per occurrence of R1,000,000.

Read the full policy wording here

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Pre-existing medical conditions

Regent will pay:

If as a result of a sudden and unexpected acute onset of a pre-existing medical condition you require medical treatment while on your trip then Regent 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.

Regent will not pay for:

Any claim relating to or associated with the treatment of the following:

  • If you have been hospitalised for less than 48 hours.
  • Outpatient expenses.
  • Pregnancy, childbirth and miscarriage or any pregnancy related condition after the 25th week of pregnancy.
  • If you have been advised by a medical practitioner not to travel.
  • Any condition for which surgery is planned.
  • If you are on a waiting list for, or have had an organ transplant.
  • If you are over the age of 69 years.
  • If a terminal prognosis has been given with a life expectancy of less than 24 months.

Read the full policy wording here
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Medical evacuation, repatriation or transport to medical centre

Regent will pay:

If you require emergency treatment due to an Injury or Illness during your trip then Regent may, subject to the overall limit:

  • Move you from one location to another in order for you to receive adequate medical treatment and/or;
  • Arrange for your return to the Republic of South Africa.

Specific conditions:

  • Regent must be contacted for prior authorisation, and our written agreement must be obtained.
  • Repatriation, evacuation and transportation will be decided by Regent depending on the medical information, and medical report received.
  • Regent will use your return ticket towards our costs, for repatriation.
  • Repatriation is back to your point of departure, in your country of residence.
  • All claims exceeding R5,000 must be accompanied by a full medical report providing medical evidence in writing from a qualified medical practitioner
  • Regent may not be able to arrange evacuation or repatriation in cases where the local situation makes it impossible, unreasonably dangerous or impractical to enter the area where you are located (Example: from an oil rig, or within a war zone).
  • When you are sailing in international waters and are not within reach of land, Regent Travel Assist can only provide emergency services from the nearest port or harbour. When hiking or mountain climbing, Regent Travel Assist can only provide emergency services from the base camp.

Read the full policy wording here

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Personal Accident

Benefits

Benefits are only provided to travellers who are 18 years and older.

Death

If you suffer accidental bodily Injury during the insured journey, which causes your death Regent will pay up to the maximum limit of liability in your schedule of benefits to your beneficiary.

 Permanent total disablement

If you suffer accidental bodily Injury during the insured journey, which causes permanent disablement within 12 months of the Accident, Regent will pay you up to the limit of liability in the schedule of benefits.

 Regent will pay:

The death and permanent total disablement benefits you are covered for are set out below:

  • Death 100%
  • Total, permanent and irrecoverable loss of hearing in both ears 100%
  • Total, permanent and irrecoverable loss of hearing in one ear 50%
  • Total, permanent and irrecoverable loss of sight in both eyes 100%
  • Total, permanent and irrecoverable loss of sight in one eye 50%
  • Total, permanent and irrecoverable loss of both hands, or feet 100%
  • Total, permanent and irrecoverable loss of one hand and one foot 100%
  • Total, permanent and irrecoverable loss of one hand or one foot 50%
  • Permanent and total loss of speech 100%
  • Permanent and incurable paralysis 100%
  • Permanent and Total Loss of four fingers and thumb of either hand 70%
  • Permanent and Total Loss of four fingers or thumb of either hand 40%
  • Permanent Total Disablement as a result of an Accident, or a direct result of exposure to the elements of nature following an Accident 100%
  • Permanent disabilities not otherwise provided for under Insured Events a) to m) 15%

 Specific conditions:

The diagnosis and determination of permanent total disablement or any permanent disability must be made and documented by a medical practitioner appointed by us, and must be continuous and permanent for at least 24 consecutive months from the onset of the disablement, however:

  • For permanent and total loss of speech, the loss of ability to speak must be continuous for at least 12 consecutive months and all psychiatric related causes are excluded.
  • For permanent and incurable paralysis, the loss of use must be continuous and permanent for at least 12 consecutive months
  • Permanent total loss of use of a limb will be treated as a loss of a limb.
  • In the event of compensation becoming payable under more than one benefit, the total amount payable will not exceed 100% of the limit of liability for each insured, not exceeding the accumulation limit.
  • Compensation will be payable to you or your beneficiary.  No one other than you will have rights in terms of the policy against us.
  • Notice of death must be given immediately and Regent will have the right to have a post mortem examination of the body.
  • A detailed incident and/or police report must be submitted to us.
  • If any existing condition is aggravated by an Accident, the compensation will be determined by the degree of deterioration of the existing condition after the Accident.  The degree of the condition before the Accident will be determined by medical evidence.
  • Personal Accident benefits cease when you reach the age of 69 years.

 Specific Exclusions

Regent will not pay for:

  • Any insured event arising directly or indirectly from any type of Illness and/or bacterial infection, unless it was a medically acquired infection or blood poisoning as a result from accidental Injury.
  • Any loss or Injury whilst participating in Adventure Sports, and/or Hazardous Activities.
  • Any person under the age of 18 years.

Read the full policy wording here

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Legal Assistance

Regent will Assist with:

Locating legal counsel and if necessary an advance of funds for bail up to the limit of liability.  Regent will also provide an advice line manned by qualified and experienced in-house attorneys who will provide guidance and information on legal matters.  A panel of practicing attorneys is also available who will provide you with an automatic initial 30-minute consultation, should this be considered necessary. Any fees advanced by Regent must be refunded to Regent within 90 days from the date of the advance to you.

 Regent will not pay for:

Any claims arising from:

  • legal practitioners not licensed or authorised to provide counsel;
  • the pursuit of a claim against a tour operator, travel agent or any other travel supplier;
  • legal advice or expenses incurred as a result of a legal action brought against you, or us, by a relative, Business Associate or employee;
  • any criminal or illegal act committed by you.

Read the full policy wording here

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Cancellation of your journey before it starts

Cancellation cover is for financial loss you suffer when you do not use pre-paid travel and accommodation because you are unable to start your trip. This is limited to the limit of liability stated in your schedule of benefits. Cancellation cover ends when the Insured Journey starts. Cancellation cover applies if one of the following changes in circumstances occurs that is beyond your control and of which you were unaware of at the time you booked the trip.

Regent will pay for:

  • The value of unused travel arrangements, less any refunds, due to:
    The unexpected death, Illness or Injury of you, your dependent Children, a Relative, Business Associate, travelling companions or the person in charge of your Children.
  • Theft or complete immobilisation of your private motor vehicle during your trip towards the point of departure due to a traffic Accident, fire or as a result of hijacking.
  • Retrenchment by your employer within 30 days before your planned departure.
  • The cancellation or diversion of your International Journey due to strikes or other industrial action unless there were media warnings 14 days prior to the purchase date of this policy.
  • A terrorist incident occurring in a city listed on your prepaid trip itinerary within 14 days prior to your scheduled departure date. The same city must not have experienced a terrorist incident within 90 days prior to the terrorist incident causing your claim.
  • Theft of travel documents causing the unavoidable cancellation of the Insured Journey.
  • A Traumatic Event happening to you, your dependent Children, a relative, Business Associate or travelling companions within 30 days before your planned departure.

Specific conditions:

  • You will need to first claim from your travel supplier and will need to provide Regent with written proof of any refunds due and refunds not paid.
  • When claiming due to Illness or Injury you must provide Regent with a medical report. In the case of a death Regent will need the death certificate.
  • Proof of the theft or immobilisation of your vehicle must be provided.
  • Theft of documents must be reported to the local police within 24 hours of the incident, and a written acknowledgement of the report obtained.
  • Written proof must be provided from the airline providing proof of the cancellation due to strikes or other industrial action.
  • When claiming due to a Traumatic Event you must provide Regent with police reports and a description of the event.

Regent will not pay for:

  • Cancellation costs incurred due to the death, Illness or Injury of you, your dependent Children, a relative, Business Associate, travelling companions, the person in charge of your Children due to a Pre-existing Condition (see definitions for the definition of a Pre-existing Condition).
  • Cancellation costs unless your treating doctor confirms in writing that you are unfit to travel.
  • Your withdrawal from the service provider (e.g. aircraft, sea vessel, train, hotel).
  • Expenses related to your decision not to travel.
  • The cancellation of the journey upon request of your spouse, parent, travelling companion or employer.
  • If you are not in possession of the required, valid, correct travel documents or visas.
  • Cancellation or a change of schedule of booked transportation by the supplier (aircraft, sea vessel, train).
  • Any costs recoverable from the service provider.
  • The inability of any tour operator or wholesaler to complete arrangements for a group due to an insufficient number of persons on the tour.
  • The cancellation of a journey due to mechanical or electrical breakdown.
  • The cancellation of a journey due to poor weather conditions including tsunami, cyclones, tornadoes, hurricanes, floods, typhoons, blizzards or other natural disasters at the destination of the journey.
  • Pregnancy, childbirth and miscarriage or any pregnancy related conditions after the 25th week of pregnancy.
  • The Excess amount as stated in the schedule of benefits.

Read the full policy wording here

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Curtailment of your journey after it has started

Curtailment cover applies if you are forced to cut short a trip you have already started, and return to your Country of Residence because of one of the following changes in circumstances which are beyond your control and of which you were unaware at the time you booked the trip.

Regent will pay for:

The reasonable additional travel expenses you incur to return home early during your Insured Journey (economy and three star accommodation) up to the limit of liability stated in your schedule of benefits, due to any of the following events:

  • The unexpected death, Illness or Injury of you, your dependant Children, a relative, Business Associate, travelling companions, the person in charge of your Children.
  • The cancellation or diversion of your scheduled public conveyance due to strikes or other industrial action, unless there were media warnings prior to the date that the Insured Journey was booked and/or purchased.
  • A terrorist incident occurring while you are in a city listed on your prepaid trip itinerary. The same city must not have experienced a terrorist incident within 90 days prior to the terrorist incident causing your claim.
  • Theft of travel documents causing the unavoidable curtailment of the Insured Journey.

Specific conditions:

  • 1. You must contact Regent Assist prior to making any alternative travel arrangements.
  • You must where applicable obtain a medical report from the treating medical practitioner prior to incurring any Curtailment expenses. In the case of a death, you must provide a death certificate.
  • Written proof must be provided from the relevant authority in the case of strikes or other industrial action.
  • Theft of documents must be reported to the local police within 24 hours of the incident, and a written acknowledgement of the report obtained.

Regent will not pay for:

  • Curtailment costs incurred due to the death, Illness or Injury of you, your dependent Children, a relative, Business Associate, travelling companions, the person in charge of your Children due to a Pre-existing Condition (see definitions for the definition of a Pre-existing Condition).
  • Accommodation or travel expenses that result from you returning home early due to an Illness or Injury, unless your treating doctor confirms in writing that you are unfit to travel.
  • Expenses related to your decision to return home early.
  • The curtailment of the journey upon request of your spouse, parent, travelling companion or employer.
  • Non-admittance into any country by the authorities.
  • If you are not in possession of the required, valid, correct travel documents or visas.
  • Cancellation or a change in schedule of booked transportation by the supplier (aircraft, sea vessel, train).
  • Any costs recoverable from the service provider.
  • The curtailment of a journey due to mechanical or electrical breakdown.
  • The curtailment of a journey due to poor weather conditions including tsunami, cyclones, tornadoes, hurricanes, floods, typhoons, blizzards or other natural disasters.
  • Pregnancy, childbirth and miscarriage or any pregnancy related conditions after the 25th week of pregnancy.
  • The Excess amount as stated in the schedule of benefits.

Read the full policy wording here

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Postponement of an Insured Journey

If you need to postpone the start of or the return flight of your Insured Journey, Regent will pay any flight penalties, economy class travel costs or additional three-star accommodation costs up to the limit of liability stated in your schedule of benefits.

Regent will pay for:

The following are covered events:

  • The unexpected death, Illness or Injury of you, your dependent Children, a relative, Business Associate, travelling companions or the person in charge of your Children.
  • The cancellation or diversion of your scheduled public conveyance due to strikes or other industrial action, unless there were media warnings prior to the date that the Insured Journey was booked and/or purchased.
  • A terrorist incident occurring while you are in a city listed on your prepaid trip itinerary. The same city must not have experienced a terrorist incident within 90 days prior to the terrorist incident causing your claim.
  • Theft of travel documents causing the unavoidable postponement of the Insured Journey.

Specific conditions:

  • You must contact Regent Assist prior to making any alternative travel arrangements.
  • You must where applicable obtain a medical report from the treating medical practitioner prior to incurring any postponement expenses. In the case of a death, you must provide a death certificate.
  • Written proof must be provided from the relevant authority in the case of strikes or other industrial action.
  • Theft of documents must be reported to the local police within 24 hours of the incident, and a written acknowledgement of the report obtained.

Regent will not pay for:

  •   Postponement costs incurred due to the death, Illness or Injury of you, your dependent Children, a relative, Business Associate, travelling companions, the person in charge of your Children due to a Pre-existing Condition (see definitions for the definition of a Pre-existing Condition).
  • Accommodation or travel expenses that result from you returning home early due to an Illness or Injury, unless your treating doctor confirms in writing that you are unfit to travel.
  • Expenses related to your decision to return home early.
  • The postponement of the journey upon request of your spouse, parent, travelling companion or employer.
  • Non-admittance into any country by the authorities.
  • If you are not in possession of the required, valid, correct travel documents or visas.
  • Carrier caused delay where the cost of the expense is recoverable from the carrier. Cancellation or a change in schedule of booked transportation by the supplier (aircraft, sea vessel, train).
  • Any costs recoverable from the service provider.
  • The postponement of a journey due to mechanical, electrical or electronic breakdown.
  • . The postponement of a journey due to poor weather conditions including tsunami, cyclones, tornadoes, hurricanes, floods, typhoons, blizzards or other natural disasters.
  • . Pregnancy, childbirth and miscarriage or any pregnancy related conditions after the 25th week of pregnancy.
  • The Excess amount as stated in the schedule of benefits.

Read the full policy wording here

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The Cancellation of your Journey due to the rejection of your visa application

Regent will Pay for:

In the event that your journey is cancelled due to the rejection of your visa application, Regent will reimburse you, up to the limit of liability stated in your schedule of benefits, for any irrecoverable expenses paid in advance for your airline ticket, hotel accommodation, car rental agreement or cruise.

Specific conditions:

  • You must be a South African passport holder
  • Your passport must be valid for at least 6 month after the end date of the insured journey, and you must have at least 2 adjacent free pages for visa stamps.
  • Only tourist or business visa application will be covered and you must have purchased a return travel ticket.
  • You must have no criminal record and must not have been deported or denied access into any country previously
  • All relevant embassy requirements must be met

Regent will not pay:

When the intention is to emigrate or only a one way ticket is purchased.

Read the full policy wording here

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Missed connection

Regent will pay for:

The extra cost of economy class transportation, up to the limited of liability stated in your schedule of benefits, for the most direct route to continue with your original itinerary, if you miss your connecting scheduled outgoing transportation due to a delay in the arrival of the scheduled incoming transportation.

Specific conditions:

  • Written proof of delay and subsequent missed connection must be obtained from the relevant service provider/s.
  • You must allow at least 3 hours or more between your original scheduled arrival time and the scheduled departure time of your connecting transportation

Regent will not pay for:

  • Carrier caused delay where the cost of the expense is recoverable from the carrier.
  • Delays due to strike or industrial action that was common knowledge on or before the date the Insured Journey was booked or this policy was purchased.
  • Your failure to check in on time.
  • When less than 3 hours was allowed between connecting flights.

Read the full policy wording here

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Natural disaster cover for destroyed accommodation

Regent will pay for:

If the booked accommodation cannot be lived in as a direct result of fire, flood, earthquake, storm or tsunami Regent will pay for the value of unused arrangements, less any refunds due to you and reasonable (economy and three star accommodation) additional travel or accommodation expenses up to the limit of liability stated in your schedule of benefits.

Specific conditions:

  • Regent must receive proof of payments by you.
  • Regent must receive a written statement from an appropriate public authority confirming the disaster.

Regent will pay for:

  • Any expense that you can recover.
  • Any expense if there have been media warnings on or before the date the Insured Journey was booked and/or purchased that such events were likely to occur.

Read the full policy wording here

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Travel supplier insolvency cover

This section of cover is only applicable to Africa, Asia, Indian Ocean and Middle East Cover, Economy Leisure Cover, Luxury Leisure Cover, Business Complete Cover and Senior Cover.

Regent will pay for:

In the event that your journey, or a portion of your journey, is cancelled before your departure due to the financial insolvency or liquidation of the travel supplier with which you booked and purchased your travel arrangements, Regent will reimburse you for any irrecoverable expenses paid in advance up to the limit of liability stated in your schedule of benefits.

In the event of financial insolvency or default of the travel supplier after your departure and if you are unable to return to your Country of Residence on the scheduled flight, Regent will pay the cost of an economy class airline ticket for you to return to your country of residence up to the limit of liability stated in your schedule of benefits.

Travel suppliers of your travel arrangements include the scheduled airline, cruise line, railway line, coach transportation, car hire, hotel accommodation or tour operator. Travel agents are not travel suppliers.

Specific conditions:

  • Your travel arrangements must have been booked in South Africa before the scheduled departure.
  • The travel supplier must be licensed in South Africa.
  • If your travel arrangements were paid to an agent and not directly to the travel supplier who is in financial default, the agent must prove that the full costs were paid on your behalf to the travel supplier.
  • If you make a claim under another insurance policy and you are not paid the full amount of your claim, Regent will pay the difference up to the amount stated in the schedule of benefits.

Regent will not pay for:

  • Expenses related to Travel Supplier insolvency arising directly or indirectly from circumstances known to you or your agent prior to the booking of your International Journey or purchasing your travel insurance policy.
  • Expenses related to Travel Supplier insolvency if you do not advise Regent immediately of the cancellation of your International Journey due to a travel supplier’s insolvency or that you are unable to take your scheduled flight back to your country of residence.
  • Expenses related to Travel Supplier insolvency if your travel arrangements were booked with a foreign travel supplier (supplier not licensed in South Africa).
  • Any losses that are not directly associated with the incident that caused you to claim – for example hotel costs paid for but you were not able to reach the hotel due to the insolvency of an airline.

Read the full policy wording here

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Theft or Damage to Baggage and Accidental Loss of Personal Items

Regent will pay for:

The theft of or damage to Baggage, Personal Effects and trade samples (Business Complete Cover only) during the Insured Journey, up to the limit of liability stated in your schedule of benefits. There is a separate limit for Accidental Loss of Personal Items stated in your schedule of benefits.

Specific conditions:

  • 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.
  • All loss or damage attributable to theft or vandalism by airline carriers, other transport companies or hotels must be reported to them immediately and a written report must be obtained. You must check your baggage before leaving an airport and must make an attempt to make a recovery from the airline. An irregularity report must be obtained from the airline before leaving the airport.
  • Theft or damage not attributable to airline carriers, transport companies or hotels must be reported to the local police authorities within 24 hours and a written acknowledgement of the report must be obtained.
  • All claims for personal effects accidentally lost 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 and proof of purchase or ownership must be submitted.
  • A camera, its lenses and fittings and the camera case are deemed to be a single item and must be carried with you as hand luggage.
  • Golf clubs and golf equipment are deemed to be a single item.
  • A cellular phone, and its fittings and accessories are deemed to be a single item and are limited to R1,000 per insured person.
  • A personal computer and similar electronic equipment and their fittings and accessories including software, hardware and carry cases are deemed to be a single item and are limited to R5,000 per insured person.
  • Contact lenses, prescription spectacles and sunglasses are limited to a maximum of R1,000 per pair, over and above any Excess.
  • You must take suitable precautions to secure the safety of your personal Baggage, and must not leave it unsecured or unattended or in an unattended unlocked vehicle.
  •  Jewellery must be carried on your person or lodged in a safety deposit or locked in a safe at the time of loss.
  • If you claim for more than one item that is lost, damaged or stolen, the most Regent will pay for all items is the total limit shown in the schedule of benefits. Regent will calculate the value of the lost or stolen item at the exchange rate at the time that the claim is assessed.

Regent will not pay for:

  • The first R500 of each and every claim.
  • More than the specified amount in your schedule of benefits for any single item.
  • Loss of or damage to Baggage not accompanying you on the same flight.
  • Items left behind in any hotel/motel room after you have checked out or items left behind in any aircraft, rental vehicle, taxi, ship or train, unless the schedule of benefits applicable to your policy shows a limit for Accidental Loss.
  • Loss due to luggage and personal effects left unsupervised in a public place or left with a person not travelling with you.
  • Loss due to luggage and personal effects left at such a distance from you that you are unable to prevent it from being taken.
  • Loss due to luggage and personal effects left in an unattended vehicle unless locked in a boot and entry into the vehicle is through visible, forcible and violent means.
  • Any claim for theft or damage by a transport carrier where the loss was not immediately reported to the carrier before leaving the terminal, and a written irregularity report obtained
  • Any claim for theft or damage that has not been reported to the police, hotel or the relevant authority within 24 hours of the event, and a written police or irregularity report obtained.
  • Any loss, damage or theft that you cannot prove.
  • Sporting equipment whilst in use.
  • Any mechanical, electrical or electronic breakdown.
  • Any damage to or replacement of any electrical data or software.
  • Loss of or damage to fragile or brittle articles (other than cameras, binoculars, spectacles and contact lenses) unless caused by fire or Accident to the transport in which they were carried.
  • Wear and tear, mildew, rust or corrosion, the action of insects, moth or vermin or whilst clothing or personal effects are being cleaned, dry-cleaned, dyed, altered or repaired.
  • Perishable items.
  • Delay, detention, destruction or confiscation by custom officials or other authorities.
  • Losses recoverable from any other source, such as airlines, or other insurance.
  • Loss or damage to bonds, stamps, negotiable instruments, deeds, securities or any kind of bullion.
  • Any goods intended for sale or trade.
  • Personal computers, cellular phones, electrical or electronic equipment:
    • Where such equipment was left unattended other than when securely locked inside a building.
    • Not accompanying you as cabin baggage on a carrier.

Read the full policy wording here

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Loss of cash and/or travel documents

Regent will pay for:

  • The loss resulting from theft of personal cash being bank and currency notes and postal or money orders during the Insured Journey.
  • The replacement cost of non-refundable accommodation vouchers and the reissuing cost of travel documents due to theft or damage up to the amount as stated in the schedule of benefits.
  • The loss resulting from theft of your travel documents (travel tickets, passports and visas), but limited to expenses incurred within the country where the loss occurred in having the documents replaced.

Specific conditions:

  • Any loss of credit cards, traveller’s cheques or documents must be reported to the issuing authority within 24 hours, and the appropriate cancellation measures taken.
  • Cash and documents must be carried on your person or lodged in a safety deposit at the time of loss.
  • Regent will pay up to the limit of liability stated in your schedule of benefits.

Regent will not pay for:

The first R250 of each and every claim.

Read the full policy wording here

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Baggage delay

Regent will pay for:

If your accompanied Baggage is temporarily delayed, misdirected or misplaced during the Insured Journey for a minimum time period according to your schedule of benefits, Regent will pay up to the limit of liability stated for the purchase of essential items of clothing and personal effects. Regent will only pay this benefit if your Baggage is returned to you after a delay.

Specific conditions:

Written proof of delay must be obtained from the transport provider/carrier, and original receipts of the items purchased.

Regent will not pay for:

  • Your failure to check in your Baggage on time.
  • Delay due to strike, riot, hijack or civil commotion.
  • Delay, detention, destruction or confiscation by custom officials or other authorities.
  • Delayed Baggage upon your return to your country of residence.
  • Any loss if no expenses were incurred.
  • Any loss if proof of expenses incurred is not provided.

Read the full policy wording here

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Snow Sports Cover

Ski equipment

Regent will pay for:

The value or repair of your own or hired ski equipment, if they are lost, stolen or damaged during your trip, up to the limit of liability stated in your schedule of benefits.

Regent will not pay for:

  • Loss, destruction, damage or theft from confiscation or detention by customs or other authorities.
  • Delay by an airline carrier
  • Theft from an unattended vehicle.

 Ski pack

Regent will pay for:

The unused portion of your ski pack costs paid for or contracted to be paid for before your trip commenced, up to R1,000 per week up to a maximum of the limit of liability.

Specific conditions:

  • You must be medically certified as unable to ski and use the ski pack facilities due to serious Injury or Illness occurring during the trip.
  • You must obtain confirmation in writing that no refund is available for the unused items.

Regent will not pay for:

  • Any claims where a medical certificate has not been obtained confirming that you are unable to ski.
  • Any exclusion under Section 1, Emergency Medical and Related Expenses.

 Avalanche closure

Regent will pay for:

The reasonable additional travel and accommodation expenses up to R4,000 incurred as a direct result of an avalanche if you are unable to reach or leave your booked destination.

  Piste closure

Regent will pay for:

The reasonable additional travel and accommodation expenses up to a maximum of R4,000 incurred as a direct result of your pre-booked resort being closed due to a lack of snow.

Specific conditions:

  • Cover is available under this section between 1 December and 30 April, for journeys to the northern hemisphere.
  • Written confirmation of the closure from the resort is required.

Read the full policy wording here

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Travel Delay

Travel delay covers you for essential expenses incurred when the departure of your scheduled public transport in which you have arranged to travel is delayed for a minimum time period according to your schedule of benefits and up to the limit of liability stated in your schedule of benefits.

Regent will pay for:

Essential expenses incurred for meals, drinks, travel expenses and accommodation if your carrier does not provide for this, up to the amount stated in the schedule of benefits.

Regent  will only provide cover if this delay is caused by:

  •  Industrial strike action;
  • Adverse weather conditions; or
  • Mechanical or electrical breakdown.

Specific conditions:

  • Written proof of the delay must be obtained from the transport provider or carrier
  • Receipts of items purchased must be provided.

Regent will not pay:

  • When you did not check in on time.
  • When delays due to strike or industrial action that was common knowledge on or before the date the Insured Journey was booked or this policy was purchased.
  • When no actual expenses were incurred.
  • When proof of expenses are not provided.
  • For taxi fares, telephone costs, fuel and toll fees.

Read the full policy wording here

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Security Travel Delay

This benefit is provided under the Leisure Cover and Business Cover.

Security Travel delay covers you for essential expenses incurred when the departure of your scheduled public transport in which you have arranged to travel is delayed due to a security alert or terrorist incident. The security alert or terrorist incident can be in the country you are departing from, a country you are connecting in or in the country of your final destination.

Regent will pay for:

Essential expenses incurred for meals, drinks, travel expenses and accommodation if your carrier does not provide for this, up to the limit of liability stated in your schedule of benefits.

Specific conditions:

  • Written proof of the delay must be obtained from the transport provider or carrier referring to the security threat or terrorist incident.
  • Receipts of items purchased must be provided.

Regent will not pay:

  •   When no actual expenses were incurred.
  • When proof of expenses are not provided.
  • When confirmation of the reason for the delay due to a security alert of security threat is not provided by the transport provider or carrier.
  • For taxi fares, telephone costs, fuel and toll fees.

Specific conditions:

  • Written proof of the delay must be obtained from the transport provider or carrier
  • Receipts of items purchased must be provided.

Regent will not pay:

  •   When you did not check in on time.
  • When delays due to strike or industrial action that was common knowledge on or before the date the Insured Journey was booked or this policy was purchased.
  • When no actual expenses were incurred.
  • When proof of expenses are not provided.
  • For taxi fares, telephone costs, fuel and toll fees.

Read the full policy wording here

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Personal Liability

Regent will pay for:

If during your Insured Journey you become legally liable for accidental bodily Injury to, or the death of, any person and/or Accidental Loss of or damage to their property, then on condition that there is no other insurance in force covering the loss, the material damage or your liability, Regent will cover you (or in the event of your death, your legal personal representatives) against:

  • All amounts which you become legally liable to pay as compensation; and
  • All legal costs awarded to any claimant or incurred in the defence of any clam that is contested by Regent or with our consent.

Regent will pay up to the limit of liability stated in your schedule of benefits.

Specific conditions:

  • You may not make any admission, offer, promise or payment, without our written consent.
  • Regent are entitled to take over the defence and settlement of the claim in your name for your benefit. Regent will have full discretion in the conduct of any proceedings and settlement of the claim.
  • Regent may at any time pay you the amount for which a claim can be settled up to the limit of liability, less any damages already paid. Regent will then be under no further liability, and shall not be responsible for any loss in consequence of any action or omission in connection with the prosecution of such claims or proceedings.

Regent will not pay for:

  • The first R1,000 of each and every claim.
  • Any indemnity for legal liability arising from Injury or loss as a result of any wilful, malicious or criminal act by you.
  • Any liability for damage to property you own, you have borrowed, hired or have under your control.
  • Any liability arising from your conduct in any profession, trade or business.
  • Any liability arising from the use or ownership by you of any mechanically propelled vehicle, aircraft, waterborne craft or animals.
  • Any judgements which are not in the first instance either delivered or obtained from a court within the RSA or the country in which the event occurred.
  • Any liability for death, bodily Injury or Illness of any member of your family or your employee.
  • Any liability that arises under a contract or agreement entered into by you, but not excluding liability that would have attached in the absence of such an agreement.
  • Any liability for damage to property that belongs to any member of your family, your employee or an acquaintance.

Read the full policy wording here

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Hijack of Public transportation

Regent will pay:

If the public conveyance in which you are travelling is hijacked and your Insured Journey is interrupted for at least 24 hours, Regent will pay you R500 for each full day for which you are detained under duress by the hijack, up to the limit of liability stated in your schedule of benefits.

Regent will not pay:

If you engage in any political or criminal activity.

Read the full policy wording here

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Kidnap and Wrongful Detention

This benefit is provided under the Leisure Cover and Business Cover.

Regent will pay for:

Up to the limit of liability stated in your Schedule of Benefits, the reasonable fees and expenses incurred as a direct result of and in relation to Your kidnapping or wrongful detention which includes but is not limited to the amount paid by Regent to the appointed Intermediary.

Regent will pay:

  • Costs incurred while attempting to negotiate an incident covered by an Insured event.
  • Your travel costs to join Your immediate family upon Your release
  • Travel costs of an employee to replace You
    4. Rest and rehabilitation expenses, including accommodation and travel expenses of the
  • sured Person and the Insured Person’s Spouse and/or Children
  • Reasonable and necessary fees and expenses of a qualified interpreter
  • Your salary for the duration of the kidnapping paid previously by the employer, but excluding bonuses, commissions, reimbursements and contribution to pension and benefit programmes. The salary will be paid until the earliest of the following:
    • up to 30 days after the release of the Insured Person, if the Insured Person has not returned to work, or
    • 120 days after Regent have received the last credible evidence that the Insured Person is still alive, or
    • 60 months after the date of the Kidnapping

Specific conditions:

  • Regent will appoint an Intermediary to handle all negotiations on Your behalf.
  • Any expense incurred must be authorised by Regent in writing, prior to incurring the expense.

Regent will not pay:

For losses caused directly or indirectly:

  • From any demand or ransom money.
  • When a travel warning to a country has been issued by the British Foreign and Commonwealth Office.
  • When the United Nations Armed Forces are present and active in any country.
  • When a kidnapping or wrongful detention has occurred in Angola, Brazil, Colombia, Mexico, Nigeria, Philippines, Somalia and Venezuela.
  • From the fraudulent, criminal and dishonest acts of the Insured Person.
  • Monies or property surrendered involving the use or threat of force or violence.
  • Loss of or damage to property of any description.
  • Any claim where Your Journey was expected to exceed 90 consecutive days.
  • From failure to maintain and possess duly authorised and required documents and visas.
  • Failure to evacuate from the host country within 10 days after a travel advisory has been issued.
  • Your taking part in the operations of any governmental organisation, official law enforcement or military force.

Read the full policy wording here

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Rental Car Excess

This cover is available on Leisure Cover and Business Cover.

Regent will pay for:

The excess You have paid on the rental car insurance claim or the cost of repairs to the rental vehicle, whichever is the lesser, if:

  • You have rented a car and You have taken out insurance on the rented car, and
  • You have an at fault claim that the rental car insurer has agreed to pay, and
  • You are liable for the policy excess and You have paid it, and
  • The event giving rise to the rental car insurance claim occurs during Your Journey, and
  • You have a valid license, and
  • You were driving the rental car

Regent will pay up to the limit of liability stated in your schedule of benefits.

Read the full policy wording here

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Excess Waiver (Optional benefit)

If you pay the additional premium Regent will waive all Excesses noted in your Schedule of Benefits.

The Excess Waiver is not applicable to claims under Pre-existing Medical Conditions.

Read the full policy wording here

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