Product
Comparison

This is a summary of the terms, conditions and exclusions of the travel insurance provided by GK Insurance. What is stated in this summary is subject to what is stated in the travel policy’s terms and conditions. For more information refer to the policy wording obtainable from our downloads section.

Schengen Visa Cover Standard Cover in USD Senior Schengen Visa Cover Senior Visa Cover in USD
Maximum Age 70 70 81 81
         
Summary of Benefits        
         
Overseas Medical Refer below Refer below Refer below Refer below
Illness / injury excluding pre-existing, sport or infectious disease (Covid19) € 50,000 $100,000 € 50,000 $100,000
An infectious disease: in hospital expenses (Covid19) € 50,000 $100,000 € 50,000 $100,000
Additional accommodation whilst quarantined booked by us € 1,000 $1,000 € 1,000 $1,000
Cost of test for infectious disease when positive (Covid19) € 200 $200 € 200 $200
Pre-existing medical conditions (Not Excluded): In hospital expenses € 50,000 $100,000 € 50,000 $100,000
Amateur sport / winter sport € 50,000 $100,000 € 50,000 $100,000
Dental or Optical: Illness € 200 $200 € 200 $200
Covered illness / injury whilst in hospital or outpatient not authorised by us € 500 $500 € 500 $500
Medical Evacuation / Repatriation / Return of mortal remains booked by us Included in Medical Expenses Included in Medical Expenses Included in Medical Expenses Included in Medical Expenses
Cancellation & Curtailment Refer below Refer below Refer below Refer below
Illness / injury or death (not pre-existing) € 1,000 $1,500 € 1,000 $1,500
Missed connection: flight or cruise arrive more than 1 hour later than scheduled € 1,000 $1,500 € 1,000 $1,500
Damage or Burglary affecting your home exceeding $500/€400 € 1,000 $1,500 € 1,000 $1,000
Being retrenched by your employer € 1,000 $1,500 € 1,000 $1,500
Terrorist incident 14 days before trip € 1,000 $1,500 € 1,000 $1,500
Supplier financial default Nil Nil Nil Nil
Complications in pregnancy (purchase policy within 24 hours-trip deposit) 50% of loss up to € 1,000 50% of loss up to $1,500 50% of loss up to € 1,000 50% of loss up to $1,000
Flight or cruise cancelled by the carrier Nil Nil Nil Nil
Your compulsory quarantine when you test positive (Covid19) € 1,500 $1,500 € 1,500 $1,500
Flight / cruise departed 6 hours or more later than scheduled € 500 $200 € 500 $200
Personal Baggage Refer below Refer below Refer below Refer below
Baggage, clothing, toiletries € 1,500 $2,000 € 1,500 $2,000
Any one article / pair / set of articles € 200 $200 € 200 $200
Sunglasses / Prescription glasses / cell phones / ipad / ipod € 100 $100 € 100 $100
Loss, damage or theft from beach / pool-side € 100 $100 € 100 $100
Laptop, palmtop or computer € 200 $200 € 200 $200
Cash and / or Passport on your person / in safe € 100 $100 € 100 $100
Baggage delay outside home country (12hrs+) € 1,000 $200 € 1,000 $200
Legal Refer below Refer below Refer below Refer below
Personal Liability - excess $200 € 50,000 $100,000 € 50,000 $100,000
Bail Bond € 1,000 $1,000 € 1,000 $1,000
Personal Accident Refer below Refer below Refer below Refer below
Death / Permanent Disablement € 40,000 $40,000 Nil Nil
Carrier Accumulation Limit € 4,000,000 $3,500,000 € 4,000,000 $3,500,000
Excess per person, per benefit per claim € 40 $50 € 40 $50

Product Benefits

Medical & Repatriation

  • Medical expenses for the immediate treatment of an unforeseen medical emergency. Included are Medical Practitioner's fees, hospital expenses, in-patient and out-patient medical treatment and charges for medical transportation.
  • Repatriation: Additional travelling costs to repatriate You Home following inpatient treatment due to an unexpected illness or injury.
  • Burial or cremation or alternatively transportation costs of returning Home an Insured Person's body or ashes.

Emergency Dental

  • Treatment for the immediate relief of pain or discomfort, and/or emergency repairs to dentures and orthodontic appliances carried out solely to alleviate distress in eating.

Additional Accommodation & Travel Expenses

  • Accompanying travel companion: one person to stay with You and accompany You on the Trip Home due to your repatriation.
  • Visit by any one person: One person required, on medical advice, to fly out to You, following Your hospitalisation as an inpatient for more than 5 days.
  • Repatriation of children: If You are incapacitated and there is no other responsible adult to supervise them. A competent person will be provided to accompany the children Home.

Pre-existing Medical Expenses

  • If You suffer from a Pre-existing Medical Condition and We have accepted the condition(s) for insurance in writing prior to departure, We will cover your inpatient medical expenses/repatriation.

Winter Sports

  • Ice-skating (outdoor)
  • Snowboarding (on-piste/glacier and on recognised and authorised areas only: green, blue and red slopes only)
  • Skiing (on-piste/glacier and on recognised and authorised areas only: green, blue and red slopes only)
  • Tobogganing
  • Skidoo, as part of an organised excursion

Adventure Sports

  • Click here to download a list of approved Adventure Sports activities
  • What is not covered:
    • Participation as a professional sportsperson receiving payment for each appearance (other than sponsorship only);
    • Any sport not listed in the Adventure Sports table;
    • Any sport or activity specifically shown as excluded under this policy;
    • Participation in organised competitions involving any Adventure Sports and Activities;
    • Any obligation upon Us to organise any search and rescue operation;

Can't Travel

Non-refundable deposits for pre-paid travel and accommodation You do not use because of Your inability to start Your Trip or complete the Trip due to the following reasons:

  • Cancel for Named Reasons
    • Unforeseen illness, injury or death of You, Your Travel Companion or a Close Relative.
    • The cancellation of, or a delay of more than 12 hours in the departure of Your outward international flight, sea-crossing or train journey, as a result of Strike or Industrial Action, adverse weather conditions, or the mechanical breakdown of, or accident of the aircraft, sea vessel, coach or train.
    • If You are made redundant.
    • Accidental damage, burglary, flooding or fire affecting Your Home.
    • Your compulsory quarantine.
    • A terrorist incident in a city listed on Your pre-paid Trip itinerary within 14 days prior to Your scheduled departure date.
  • Travel Supplier Financial Default

100% of non-refundable deposits for pre-paid travel and accommodation You have lost, following the complete suspension of operations of the SA registered airline, cruise shi or car rental company due to financial insolvency.

Travel Delay

  • Accommodation and meal expenses if the departure of Your flight is delayed as a direct result of Strike, Industrial Action, adverse weather conditions, failure of air traffic control systems, or mechanical breakdown of aircraft, sea vessel, coach or train for more than 24 hours.

Missed Connection

  • Travel and accommodation expenses incurred to reach Your booked destination by the most direct alternative route and/or flight, if Your Trip is interrupted by a missed connection at the transfer point, as a result of:
    • The late arrival of Your incoming flight due to adverse weather conditions, Strike or Industrial Action or mechanical breakdown, derangement or accident;

Personal Baggage

  • Your Personal Baggage is damaged, stolen, destroyed or lost (and not recovered).
  • Note: You must report the incident to the airline at time of loss.

Baggage Delay

  • If Your Baggage have been lost or misplaced on the outward journey of a Trip for a period in excess of 12 hours, then You can claim for the purchase of essential items.

Loss of cash and/or Passport

  • Money You are carrying on Your person or the money You have left in a safety deposit box is stolen, damaged or destroyed
  • Your passport is lost or stolen outside the country of departure during a Trip.

Personal Liability

  • You become legally liable for accidental bodily injury to, or the death of any person, and/or accidental loss of or damage to their property.

Personal Accident

  • Death or Permanent Disablement following an unexpected accident.

Important Information

Motorcycle / Moped Riding

If you wish to be covered for riding a motorcycle/moped as the driver or pillion passenger during your trip, you must purchase a travel insurance plan that includes cover for Adventure Sports. Even if you purchase Adventure Sports cover, you will only be covered if:

  • You are wearing a helmet
  • You are not racing
  • You are not participating in a professional capacity
  • Whilst in control of the motorcycle you hold a valid license
  • Note: No cover will apply for Personal Liability

Snow Skiing and Snowboarding

If you wish to be covered for snow skiing or snowboarding during your trip, you must purchase a travel insurance plan that includes cover for Adventure Sports. Even if you purchase Adventure Sports cover, you will only be covered if:

  • You are skiing or snowboarding on-piste
  • You are not racing
  • You are not participating in a professional capacity

Medical

This policy is NOT a Medical Aid, and does not provide cover for procedures that can be carried out in Your country of residence after repatriation. Our travel insurance covers unexpected illness and injury only.