Travel Insurance for South Africa

South Africa is not just cricket. It’s one of the world’s leading adventure capitals, renowned for its ‘big five game’ and beautiful scenery. When you’re looking for a destination that leaves behind the beaten path, the Rainbow Nation offers countless unforgettable experiences. 

With tourists advised to avoid some parts of the country, purchasing Travel Insurance ahead of your departure might be a smart move. 

Do I need Travel Insurance for South Africa? 

Most travellers aren’t required to purchase Travel Insurance before they arrive in South Africa, although there are several circumstances where you’ll be grateful you did. If your luggage goes missing, emergency medical expenses arise or severe weather impacts your journey, Travel Insurance can help you recoup the costs. 

Explore cover for South Africa’s top activities 

With its incredible scenery, diverse wildlife, and cosmopolitan cities, South Africa offers an exceptional array of things to do. Here are just a few ideas to consider when planning your adventure. 

• Spot the ‘big five’ on safari 
  Seeing the ‘big five’ roam the savannah is on many people’s ultimate travel wish list. Fortunately, South Africa’s enormous expanse, including Kruger National Park in the north-east, offers a great chance to watch lions, leopards, rhinos, elephants and African buffalo in action. If you become ill or get injured on a remote safari, Travel Insurance can help cover emergency medical care and evacuation costs.  
• Surf famous breaks 
  South Africa is legendary for its surf, with Jeffreys Bay considered one of the world’s best for right-hand breaks. While some swells are gentle enough for beginners, others are wild and dangerous. And, while you’d have to be unlucky, there’s the added risk of shark attacks. If you’re planning a South African surf trip, Travel Insurance can help protect against injury should something unfortunate happen on the water. 
• Dive with sharks 
  South Africa is home to one of the world’s largest populations of great white sharks, with some thrill-seekers looking to get up close and personal with these terrifying creatures. If that’s you, South Africa delivers the goods, with many tour operators offering cage dives in hotspots like Cape Town. You may be covered for an accident if your Travel Insurance policy includes shark diving. 
• Enjoy regional wine 
  South Africa produces delicious wine, particularly its signature Pinotage variety. Although the reputation of this red wine grape was once rather negative, its standing has soared as local wineries focus on a low-yield, high-quality product. In fact, it pairs perfectly with braai – South African barbeque. But remember, drink sensibly as Travel Insurance often won’t cover alcohol-related incidents. 

Staying alert in South Africa 

South Africa is a thriving destination for travellers, but it’s important to consider certain risks before you arrive. 

Street crime 

Criminals are known to target tourists in South Africa, including near popular landmarks like Kruger National Park. Smart Traveller recommends that you only travel on main roads where it’s safe to do so. Meanwhile, theft can occur in public and from hotel rooms. Travel Insurance can help cover stolen luggage and travel documents. 

Exposure to disease 

You could be exposed to health concerns in South Africa, including yellow fever, malaria, HIV and cholera. Some have vaccinations available, which you should consider before leaving Australia. While drinking water is safe in most urban areas, consuming bottled water is wiser in rural parts of the country. However, Travel Insurance can cover emergency medical expenses if you get sick. 

Road safety 

The landscapes of South Africa are undoubtedly beautiful and hiring a rental car can be a great way to get around.  However, taking to the roads doesn’t come without risk. You should avoid driving at night and watch out for poor road conditions and speeding drivers. If you have an accident, Travel Insurance can help cover the rental vehicle excess payments you encounter. 

What can travel insurance cover in South Africa?  

South Africa is bursting with adventure, but it’s not uncommon for things to go awry. Purchasing an appropriate level of Travel Insurance ahead of your arrival can offer helpful peace of mind. Here are some of the things your policy might cover. 

Medical issues 

Travel Insurance can cover hospital costs, ambulance and emergency evacuation fees, dental treatment and more up to the limit stated in your policy. Check Smart Traveller to find local contacts and consular information if you encounter an emergency. 

Personal liability 

If you injure someone or damage property while you’re in South Africa, then this cover could be beneficial. 

Cancellation fees and lost deposits 

If, due to circumstances outside of your control, you need to cancel or rearrange your trip, then you may lose your deposits or incur a cancellation fee. This cover can reimburse you, however it does sometimes come at an additional cost and limits will apply.

Lost or delayed luggage 

If your luggage is lost or delayed, then this cover can help you buy replacement clothes, toiletries, and other effects. 

Lost or stolen possessions 

If you lose your luggage during the holiday, then this policy benefit can reimburse the costs of replacing your goods. Travel documents can also be covered. 

Travel delays and cancellations 

If your travel plans are disrupted, then you could be reimbursed the expenses of additional meals and accommodation. 

Rental vehicle excess 

If you get into an accident with your rental car, then you’re covered against the rental company’s insurance excess payment. 

Does my Travel Insurance cover COVID-19?   

Many providers now include COVID-19 coverage in their Travel Insurance policies. However, be sure to review the coverage closely, as not all policies are the same. For instance, you might have to pay out of pocket for medical expenses incurred after you return to Australia. 

What doesn’t Travel Insurance cover in South Africa? 

A Travel Insurance policy covers numerous situations travellers can encounter during a visit to South Africa. However, don’t expect your policy to cover every eventuation. You’ll need to declare any pre-existing medical conditions when taking out a policy; failing to do so means your claim could be denied. 

If you plan to take part in risky adventure activities, you might need to purchase additional cover. This could include outdoor rock climbing, hiking above 3,000 metres or handling animals, even under direct supervision. Check with your Travel Insurance provider to find out what their basic policy covers. 

And finally, partaking in any illegal activities, or being under the influence of drugs or alcohol, will likely void your claim should you have to make one. 

How much does Travel Insurance for South Africa usually cost? 

Prices differ between Travel Insurance providers, but a typical basic policy for a week-long trip to South Africa should cost about $35-$80, depending on factors like your age and pre-existing medical conditions. If you want comprehensive cover for added protection or to account for specific activities on your itinerary, expect the premium to cost double or more. 

Compare Travel Insurance policies with iSelect 

From the savannah to the beach, find out how Travel Insurance can provide cover during your next adventure to South Africa. Compare Travel Insurance from our range of providers today.