What does a Sacos Travel Insurance Policy typically cover?
Travel insurance policies can vary depending on the country you are travelling to, especially in terms of how much protection they offer, but as a general rule, we will cover you for the following:
- Cancellation or curtailment
- Lost or stolen baggage or belongings
- Personal liability
- Medical costs and repatriation.
- 24 hours personal assistance service
- Personal accident cover of USD35,000 under the worldwide plan
- Cover from 7 to 92 days
What does travel insurance typically exclude?
As with most insurance agencies, we do not cover pre-existing medical conditions, so make sure you find the policy you are considering will provide you with sufficient protection if you do have any health issues.
Policies also won’t pay out for any losses which arise as a result of you being drunk or under the influence of drugs.
And travel cover will typically exclude winter sports such as skiing and snow-boarding, as well as extreme sports such as bungee-jumping or sky-diving.
What if I have a medical condition which is under control, do I need to tell insurers?
Yes, you do. As your insurer, we need to know your medical history and any conditions you’ve suffered from previously, or any claim you make could be rejected. A pre-existing condition usually means any medical condition for which medical advice, diagnosis, care or treatment has been either received or recommended.
Never be tempted to withhold information, as if you do make a claim the insurance company will be able to access your medical records.
I’m pregnant, do I need a specific type of travel insurance?
Most standard travel insurance policies will cover you if you’re pregnant, but usually only until you’re around seven months pregnant. Bear in mind that airlines often impose restrictions on how close to your due date you are when you travel. You will need their permission to fly if you are nearly full-term and may have to provide a note from your doctor confirming you are fit to fly.
How do I make a travel insurance claim?
To make a claim, contact us as soon as something goes wrong. Sacos Insurance Group has a 24-hour helpline so you can contact us at any time.
Don’t forget that oftentimes evidence is needed to support your claim. For example, if your valuables have been stolen, you will need a police statement. Or, in the event of lost baggage, you should get a form confirming this from the airport and submit it with your claim.