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Travel Insurance Terms and Conditions

Travel insurance Terms and conditions of sale presented by Essential Worldwide Travel, trading as, outline the terms and conditions governing the sale of travel insurance. This document serves as a formal guide to understand the contractual obligations and rights associated with purchasing travel insurance from It is advised to carefully review and adhere to these terms and conditions before making any purchase.


Bookings through our websites are deemed to be made when validated on the website. All services are subject to availability.


By following our instant quote link from our home page you can find the full cost of all our travel insurances policies. The price you are quoted is the full cost of the insurance including credit card fees and postage. You will not incur any hidden costs.


Your travel insurance policy is a contract between you and our insurer. By purchasing a travel insurance policy you are agreeing to abide by the terms set out in the contract. The policy wordings for the policies we offer are available and can be examined before purchase of a policy. Please note that a complete wording of your chosen policy will be sent to you once you have purchased travel insurance from us.


Payment for a booking made on our website can only be made using a valid credit card or by Electronic Funds Transfer (EFT). Credit card charges may apply depending on your credit card provider. If payment by card is declined or if a payment cheque is returned uncleared, Essential World Travel Limited and the service provider reserve the right not to fulfil your booking. All prices are quoted in Rands. When a booking is made using an overseas credit card the card issuer will debit your account in your local currency at the exchange rate applicable on the date of processing.

A conversion charge may be applicable. We collect and hold money as agent of the insurer. For payments made by EFT your policy will only be issued once the funds have cleared into the account indicated for payment.


You will receive an e-mail immediately after purchasing a policy. The content of the e-mail will state your policy number, the persons insured, policy commencement date, period of insurance and the territories covered as well as the total price you paid for the policy.


A contact telephone number for our offices can be found prominently displayed on this website. We can be contacted on this number from 8am to5pm of a working week except public holidays. Alternatively you can write to us at the address supplied on our home page or e-mail us at


The policy schedule that is sent to you displays the exact cost of your insurance the date the transaction took place. Should the details on this document be incorrect we will amend your details immediately on your instruction.


You may cancel your travel insurance policy, provided that you give us at least 5 working days notice in writing prior to departure. Contact our help desk (OFFICE HOURS ONLY) at 0861 900 801 or email You need to state your policy number and reason for cancellation. We will then refund you the total amount minus the acquiring, switching and administration fee.

Cancellations are only provided your journey has not yet commenced, no visa has been obtained using this policy and no claims have been submitted. If you want to cancel your policy on the grounds that you have had your visa refused, you need to supply us with proof from the embassy. For all cancellations we require you to supply us a copy of your policy and identity.


Essential World Travel  Limited acts as booking agent only for the service provider and is only liable to the customer for losses directly arising from it’s negligence in processing a booking. The information contained on this web site belongs to Essential World Travel Ltd and various third parties. Essential World Wide Travel Ltd endeavour to ensure that its own information and the information provided by third parties is accurate at all times but shall not be held responsible or liable to pay compensation to any person or organisation for any loss arising, either directly or indirectly, out of the use, misuse, misinterpretation of that information by anyone using this web site or for any inaccuracies contained therein.


This website makes available the travel insurance products for purchase and gives a summary of the cover and a general description of the travel insurance offered by the underwriter. However, you cannot seek advice on which cover is the most suitable for you on this website. If you are seeking advice please call our help desk at the number prominently displayed on our website where a qualified advisor can offer assistance.


Information collected is: used to improve the content of our Web page Not shared with other commercial organizations for commercial purposes Email address information is only collected when a user communicates with us via email or when the user volunteers this information, or for registration on the site. If you do not want to email, from us please let us know by emailing our office.


If you supply us with your postal address on-line you may elect not to receive periodic mailings from us with information on new products and services or upcoming events. If you wish to receive such mailings you can indicate this intention on the form. Alternatively, if you do not wish to receive information from us, you may let us know by emailing, calling or writing. You may also receive mailing from other reputable companies.

If you wish, you can be put on our do not share list by emailing the address shown above, calling us on telephone number above or writing to us at the address above. Please provide us with your exact name and address and we will be sure your name is removed from the list we share with other organisations. Persons who supply us with their telephone numbers on-line will only receive telephone contact from us with information regarding orders they have placed on-line. Cookies are used to store visitors’ preferences and record past activity at a site to provide better service when visitors return to our site.


We use industry-standard encryption technologies when transferring and receiving consumer data exchanged with our site. Sensitive information is redirected to a secure server and notifications of this appears on our website. Appropriate security measures exist to protect against the loss, misuse or alteration of information that we have collected from you at our site. Upon request contact information such as financial information, unique identifiers, transaction information, communications that the consumer/visitor has directed to the site can eb corrected by the customer by writing to us.

From time to time, we may use customer information for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change at some time in the future we will post the policy changes to our Web site to notify you of these changes and provide you with the ability to opt out of these new uses. If you are concerned about how your information is used, you should check back at our Web site periodically. If you feel that this site is not following its stated information policy, please contact us.