Absa Travel Insurance [2025 Update]

Basic Travel Insurance

• As a cardholder of a qualifying Absa card, you qualify for up to 90 days’ Automatic Basic Travel Insurance for international journeys when purchasing your return travel ticket(s) with your credit card.
• Available for travellers between the ages of three months and 74 years.
• Basic Travel Insurance does not cover pre-existing medical conditions and may not include cover for certain hazardous activities. A pre-existing medical condition includes any doctor’s consultation or medical advice or treatment (including prescription medication) that you may have received for any chronic or recurring illness or injury in the year before the insurance under this policy started.
• You have a choice of three optional top-up plans to supplement the Automatic Basic Travel Insurance available to you. Please refer to the optional top-up schedules of benefits in the policy for detailed information on the benefits and limits offered.
• Your card must be used for payment at a point of sale (POS), or you can pay for your public transport carrier ticket by using an online purchase facility (Card Not Present transaction). EFT transactions (payment from the credit card account) do not qualify.
• You only qualify for automatic basic cover benefits when your insured journey begins and ends in South Africa.

Optional Top-up Cover

With Optional Top-up Cover, you can add more benefits to your Automatic Basic Cover.

Rates are calculated according to the following age groups:

• Three months to 69 years
• 70 to 74 years

You can choose from the following trip duration options:

• One to 90 days
• 91 to 120 days
• 121 to 184 days
• Annual multi-trip

The comprehensive offer covers:

• Hijacking of a public transport carrier
• Legal expenses
• Lost or stolen baggage
• Wrongful detention
• Personal Accident Insurance
• Trip cancellation/Cutting your insured journey short
• Additional cover for emergency medical and associated expenses
• Personal loss of money or your passport, as outlined in the policy document.

The standard optional top-up plans may not include certain hazardous activities. Please refer to the hazardous activities listed in the policy wording to ensure that you have cover for your planned activities. If your activity does not appear on our list, please call the Bryte Customer Care Centre on 0861 227 284 or email absatravel@brytesa.com to ensure that you have the appropriate cover in place.

Cover for cardiac, cardiovascular, vascular or cerebrovascular conditions

If you are 70 years or older, we do not pay for claims caused by or resulting from any cardiac, cardiovascular, vascular or cerebrovascular illness or consequences or complications that can reasonably be related to these conditions.

This exclusion will not apply if you bought the Optional Additional Cardiac, Cardiovascular, Vascular or Cerebrovascular Cover before the insured journey started.

This optional extra cover is only available to travellers between the ages of 70 and 74, including when they buy Optional Top-up Plan 1.

Cancellation Cover

Cardholders of a qualifying Absa card have two Cancellation Cover options available to them, namely: Cancellation for a named reason and Cancellation for an unnamed reason.

• The standard Cancellation Cover for a named reason is explained on pages 66 and 67 of the policy wording document and lists specific named events for which a policyholder can claim.
• Cancelling an insured journey for an unnamed reason is an optional benefit that can be purchased by paying an additional premium. It waives specific exclusions and allows you to potentially claim for an event that is not specifically mentioned on pages 66 and 67, as described above. This Optional Additional Cover is only available on Top-up Option 1 and carries specific conditions as outlined in the policy wording. The Travel Insurance Policy must be bought within 24 hours after making the first (full or part) payment against your travel and accommodation booking. This benefit cannot be used in conjunction with Cancellation for a named reason.
• The specific exclusions applicable to cancellation, both named and unnamed cover, are listed on pages 71 to 72 of the policy wording. When you buy the optional cancellation cover for an unnamed reason, there are a number of exclusions that no longer apply. However, if you do not buy the optional cover for cancellation for an unnamed reason, the exclusions will apply as stated.

Top-up Cover for Seniors

This cover is specifically for travellers between the ages of 75 and 85 and is valid for 90, 120 or 184 days or an annual multi-trip.

The cover includes:

• Hijacking of a public transport carrier
• Legal expenses
• Baggage loss/theft
• Personal accident insurance
• Trip cancellation/Cutting your insured journey short
• Wrongful detention and personal loss of money or your passport
• Comprehensive Travel Insurance Cover for emergency medical and associated expenses.

Exclusive Seniors

Absa also offers Exclusive Cover for Senior Travellers between the ages of 86 and 89 years. The maximum period of insurance is 31 days.

• Before purchasing this plan, you are required to provide proof of your medical aid and a medical clearance form completed by your local treating medical practitioner. Cover is subject to pre-approval by Bryte.
• Please refer to the Exclusive Senior Schedule of Benefits in the policy document for detailed information on the applicable benefits, benefit limits and terms and conditions.

Discounts

Cover has to be bought for each traveller, including children. Quoted premiums are for each insured traveller. Discounted rates apply for couples, family/friends and groups travelling together.