TRAVEL INSURANCE Benefits & CREDIT CARD top up cover

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TRAVEL INSURANCE Benefits & CREDIT CARD top up cover

IGO TRAVEL | 20 Apr 2022

Do you have basic complimentary travel insurance on your credit card?
One of the biggest perks of having a credit card in your pocket is the complimentary travel insurance that also comes with it. While it’s a great freebie, the fine print can be a killer and there would be nothing worse than being mid-trip and finding yourself wondering whether or not you have cover. In order to qualify, you need to purchase an air ticket or a cruise departing from and returning to South Africa; with your credit card.

As the complimentary cover provides basic insurance, you have the option to supplement this cover by buying additional top-up cover, which provides a wider range of benefits and caters for longer trips.

Important Note:  When you purchase any travel arrangements on your credit card; it is best to contact IGO TRAVEL or the insurer to find out what is automatically included and how you can increase the benefits by buying additional cover. You will also be able to request your policy documentation which will include your embassy letter, policy wording and important contact information.

Important benefits which your travel insurance should cover you for  (but not limited to):

  • Baggage delays,
  • Theft or damage of baggage,
  • Accidental loss of baggage,
  • Theft of passport and / or travel documents,
  • Bank card fraud,
  • Flight delays,
  • Missed connections,
  • Missed entertainment or sporting event,
  • Cancelling or cutting short a journey
  • Postponing a journey
  • Rejection of your visa application
  • Hijack,
  • Kidnap as well as wrongful detention,
  • Alternative accommodation in the event of a natural disaster,
  • Natural disaster evacuation expenses,
  • Identity fraud,
  • Insolvency of travel suppliers and travel wholesalers,
  • Hazardous activities,
  • Repatriation in the unfortunate event of death.

We highly recommend that you take out top-up cover in addition to your credit card insurance.

Alternatively, you can purchase comprehensive travel insurance from us from as little as R540* per person for up to 9 days if you are under 69 years of age. Indian Ocean Island cover is even more affordable from as little as R345* per person for up to 8 days if you are under 69 years of age. We also have a senior travel insurance for 70 – 79 year olds; 80 – 84 year olds; and 85 – 89 year olds, respectively.

*Rates subject to increase

Each travel insurance program through each bank is different.

We’ve rounded up the major South African credit card providers who offer complimentary credit card travel insurance for personal credit cards as well as how to apply for the travel insurance. If you purchased your return conveyance tickets with the following cards, we can provide cover on the following basis:

FNB, RMB, Wesbank, Clicks, Kulula, Avios or Capitec: Bryte Insurance has a generic top-up plan that offers up to R15,000,000 Emergency Medical as well as related expenses in addition to the cover already provided by the abovementioned banks. Bryte’s top-up cover aligns itself against the banks ages and this varies from 70 through to 75 years of age.

The following banks are underwritten by Bryte Insurance Company Limited.

IGO Travel can assist you with your documentation for the automatic and top-up options or you can contact Bryte directly on:

Investec:                                           0860 224 488 or email investectravel@brytesa.com
Nedbank:                                         0860 885 501  or email nedbanktravel@brytesa.com
American Express®:                        0860 885 503 or email amextravelinsurance@brytesa.com

American Express Centurion®:       0860 885 504 or email centuriontravel@brytesa.com
SAA Voyager:                                   0860 885 502 or email saatravel@brytesa.com

Absa:                                                 0861 227 284  or email absatravel@brytesa.com

Woolworths:                                     0861 987 283  or email woolworthstravel@brytesa.com

Standard Bank:                                 0861 114 494  or email standardbank.travel@brytesa.com

Diners Club:                                      0860 346 377 (select “Personal” and then “Travel”) or email dinersclub.travel@brytesa.com

Contact us for any questions regarding travel insurance for your local or international holiday. We can quote you on cover for the duration of your upcoming vacation.

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