Learn more about our Student Travel Insurance policy

The Student Travel Insurance policy is specifically designed to provide coverage to students studying abroad. It provides a worldwide coverage to students, with the exception of their country of residence.

Policyholders can choose between a more basic coverage – Worldwide Classic  – or a more extensive coverage –  Worldwide Premium.

Both policies provide the following coverage:

Medical and Emergency Assistance (including COVID-19)

This includes the cost of hospitalisation, consultation fees, prescribed medicine and other treatments, emergency dental care, as well as compulsory quarantine for COVID-19. It also covers emergency travel such as medical evacuation, return home upon death of a close family member and travel of one immediate family member). In cases of death, the policy covers the repatriation of the mortal remains, including that of the family member travelling with the insured.

Personal Assistance Services

The Personal Assistance Services allows the insured to contact the re-insurer at any time as it provides a 24hour service. It helps with the delivery of medicines and in cases of hijacking in means of public transport.


It provides compensation for in-flight loss pf checked-in luggage, as well as delays in the arrival of luggage. Moreover, it covers the cost of location and forwarding of personal effects. The policy also covers the loss of important travel documents such as passports, driving licences and national identify cards.

Personal Accident in means of Public Transport

Our policy covers compensation related to accidental death, permanent disability or permanent total disability due to accidents when travelling in a public transport whilst overseas.

Personal Liability

The policy provides students with coverage for legal defence, as well as personal civil liability.

All the above coverage are subject to exceptions and limitations.

The policyholder has the option to choose between four different cover periods: 3 months, 6 months, 9 months or 1 year.

For more information on the Student Travel Insurance, call us on 4295000 or send an email to general@sacos.sc. For an insurance quote, contact us via our website: www.sacos.sc

What to know about the COVID-19 coverage included in the Sacos Travel Insurance

With travelling steadily resuming to pre-pandemic level, we have expanded our Travel Insurance to include coverage against costs related to COVID-19. 
This means that if you catch COVID-19 whilst abroad, we will cover the cost of hospitalisation and other related medical expenses, including the cost of compulsory quarantine.
What is the limit on the coverage for medical expenses and hospitalisation abroad?It depends on the region you visit:

  • For Africa and Asia, the limit is USD15,000; 
  • For Europe and UK, it is EUR30,000; 
  • For Worldwide Basic, it is USD30,000; and, 
  • For Worldwide Plus it is USD100,000.

Do I have to pay an ‘Excess’ when I submit a claim?In insurance terms, Excess is the portion of the insured loss paid by the policy holder. The policyholder only has to pay the Excess if they received outpatient treatment. It means, therefore, that the insurer will meet the entirety of the insured loss for inpatient treatment received. The Excess amount is only USD50 for all regions, except for Europe and UK which is EUR50.
What other health-related coverage are included?The Sacos Travel Insurance also provides additional coverage to the traveller:

  • Emergency Medical Evacuation
  • Emergency Dental Care
  • Repatriation of mortal remains
  • Repatriation of family member travelling with the insured
  • Travel for one family member if you are hospitalised abroad
  • Emergency return home following death of a close family member

Are there other travel-related costs included in the coverage?

  • Personal accidents in means of public transport
  • Personal assistance services (24 hour assistance)
  • Loss of baggage and travel documents
  • Personal Liability
  • Cancellation and curtailment
  • Losses due to delays

What’s more! Our Travel Insurance has a very competitive premium rate. A 7-day trip can cost as little as SCR260. 

If you are planning to travel soon, be sure to include the Sacos Travel Insurance as part of your essential travel items. For more information, call us on 4295000 or general@sacos.sc. To request a quote, visit out website at www.sacos.sc