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Compare Travel Insurance Options for South Africans Travelling Abroad

Find the Right Travel Insurance Option

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Use the quote form to compare Allianz travel insurance options for your trip.

✅Schengen Insurance for visa applications

✅Single Trip cover for one international journey

✅Annual Multi-Trip cover for frequent travellers

✅Senior, Business, Group and Sports add-on options

✅Buy online and receive your policy documents by email

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The Perfect Travel Insurance Policy for Your Needs

This is your guide to the Allianz travel insurance options available to South African travellers. Use it to compare which product fits your trip, what each option is best for, what cover may be included, and when to view the full product details before getting your quote.

Allianz Travel Insurance options are designed for South Africans travelling abroad, including Schengen visa applicants, one-off travellers, frequent travellers, seniors, business travellers, groups and travellers adding selected Sports Cover.

Recognised Global Trust

Allianz is recognised by Interbrand as the world’s #1 insurance brand for seven consecutive years.

24/7 Emergency Assistance

Emergency medical assistance is available when travellers need urgent support abroad.

Secure Online Purchase

Get a quote, buy online, and receive your policy documents instantly by email - Fast, Easy, Secure.

Personalised Cover Options

Choose from a range of cover options, based on where, how, and how often you travel.

Which Allianz Travel Insurance Option Is Right for You?

Different trips need different types of travel insurance. Whether you are applying for a Schengen visa, taking one international holiday, travelling often, going abroad for work, travelling as a senior, organising a group trip or adding cover for selected activities, Allianz offers options to match different travel needs.

Are you applying for a Schengen visa?

Start here if you need proof of travel insurance for your Schengen visa application.

Best for: South Africans applying for a Schengen visa
May include: Medical emergencies, baggage issues and travel disruption cover

Not right if: You are not travelling to a Schengen destination or do not need visa-related proof of cover

From R 385*

Are you planning on taking one international trip?

Choose Single Trip cover if you are going abroad once for a holiday, family visit, business trip or one-off journey.

Best for: One international trip
May include: Emergency medical expenses, trip cancellation, travel delays, baggage loss and more, depending on the plan selected

Not right if: You travel several times (more than three trips) a year and may benefit from Annual Multi-Trip cover.

From R 385*

Do you travel internationally more than once a year?

Annual Multi-Trip cover may be more convenient if you take multiple trips during the policy year.

Best for: Frequent travellers
May include: Cover for unlimited trips during the policy year, with each trip covered for up to 90 days. Covered for medical and trip-related expenses.

Not right if: You only take one or two trips a year and a single-trip policy is more suitable.

From R 11,431**

Are you planning selected sports or adventure activities?

Add Sports Cover if your trip includes selected covered activities such as skiing, kitesurf, cliffdiving or other recreational activities abroad.

Best for: Adventurous Travellers
May include: Missed activity, equipment rental and search and rescue benefits

Not right if: You are not participating in sports or activity-based travel.

From R 963***

Are you travelling for work?

Choose Business Travel if your trip includes meetings, conferences, project visits or work-related travel.

Best for: Work trips and business travel
May include: Medical emergencies, trip cancellation, travel delays, baggage issues and selected business valuables (Laptop etc.)

Not right if: Your trip is purely personal and does not require business-related travel cover.

From R 385*

Are you aged 66 to 85 and travelling abroad?

Senior Travel Insurance is designed for older travellers who need international travel cover and support abroad.

Best for: Travellers up to age 85
May include: Medical emergencies, trip cancellation, baggage loss, evacuation and travel support abroad

Not right if: You are under 66, where a standard individual travel insurance option may be more suitable.

From R 1,541****

Are five or more people travelling together?

Group Travel Insurance can simplify cover for multiple travellers on the same itinerary.

Best for: Families, school tours, business groups, retreats, pilgrimages and organised group trips
May include: One policy for multiple travellers on the same itinerary

Not right if: You are travelling alone or as a couple without needing group cover

* Price based on Adult (18-65 yrs) travelling up to 3 days Worldwide, excluding USA & Canada .

** Price based on an Adult (18-65 yrs) purchasing Annual Multi-Trip plan.

*** Price based on Adult (18-65 yrs) travelling up to 3 days Worldwide, excluding USA & Canada with Sports Cover.

**** Price based on Senior (66-85 yrs) travelling up to 3 days Worldwide, excluding USA & Canada.

Terms and conditions apply to all policies and pre-existing medical conditions are not covered within any products.

Compare Allianz Travel Insurance Options

Not sure which option to choose? Use this table to compare Allianz travel insurance products by trip type, cover type and when each option may be useful.

Product	Best For	Cover Type	Useful When
Schengen Travel Insurance	Schengen visa applicants: for official proof of cover that meets strict application requirements.	Single trip	You need proof of travel insurance for a visa
Single Trip Travel Insurance	One-off international trips, to cover a standalone international vacation or family visit.	Single trip	You travel once or twice a year
Annual Multi-Trip Travel Insurance	Frequent travellers: Buy once and secure year-round protection for all your trips.	Annual cover	You take multiple trips in a year
Senior Travel Insurance	Travellers up to age 85: Get the specialised medical and travel support you need.	Single or Annual	You want cover suited to senior travel needs
Business Travel Insurance	Work-related trips: Safeguard your business trips, conferences, and work gear.	Single or Annual	You travel for meetings, conferences or projects
Group Travel Insurance	Groups travelling together. Cover up to 50 travellers under a single policy.	Group Policy	You want one policy for multiple travellers
Sports Cover Add-on	Add optional Sports Cover to protect active itineraries and hazardous activities.	Add-on	You plan skiing, hiking, surfing or other covered activities

Still unsure? Start with a quote and compare options based on your destination, travel dates and traveller details.

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Explore & Compare Our Tiers

Cover Benefit	Basic Schengen	Standard	Premium
Best for	Schengen visa applications and essential travel insurance needs	Broader cover for international holidays and business trips	Higher cover limits for travellers wanting more protection
Trip cancellation	Up to R35,000	Up to R55,000	Up to R90,000
Trip interruption	Not included	Up to R55,000	Up to R90,000
Travel delay	Up to R1,500	Up to R3,000	Up to R5,000
Baggage loss, damage or theft	Up to R15,000	Up to R25,000	Up to R30,000
Baggage delay	Up to R3,000	Up to R3,000	Up to R5,000
Emergency medical / dental cover	Up to R900,000	Up to R4,500,000	Up to R9,000,000
Dental care sub-limit	Up to R1,500	Up to R1,500	Up to R5,000
Medical repatriation	Included	Included	Included
Emergency transportation	Included	Included	Included
Return of dependents	Included	Included	Included
Transport to bedside	Included	Included	Included
Repatriation of remains	Included	Included	Included
Search and rescue	Up to R15,000	Up to R15,000	Up to R15,000
Personal liability	Not included	Up to R4,500,000	Up to R9,000,000

This table is a summary only. Terms, conditions, limits and exclusions apply. Please read the policy wording before purchasing.

What Does Travel Insurance Cover For South Africans?

Travel insurance helps protect you against covered risks before and during your trip. Depending on the policy selected, Allianz Travel Insurance will include cover for emergency medical expenses, trip cancellation, trip curtailment, delayed departure, baggage loss, baggage delay, personal liability, dental emergencies, emergency medical evacuation, and repatriation.

The exact benefits and limits depend on the travel insurance product and plan you choose, so it is important to review the policy wording before buying.

Emergency Medical Expenses: Cover for unexpected illness, injury, or accident while travelling abroad.
Trip Cancellation & Curtailment: Protection for eligible non-refundable costs if you need to cancel or cut your trip short for a covered reason.
Travel Delays: Support if your trip is delayed and the policy conditions are met.
Baggage Loss or Delay: Cover if your baggage is lost, stolen, damaged, or delayed during your trip.
Emergency Evacuation & Repatriation: Assistance if medically necessary evacuation or repatriation is required.
Personal Liability: Cover for eligible personal liability claims, depending on the policy selected.

Travel Insurance That Helps You Plan Properly

Planning a trip comes with a lot of moving parts. Flights, accommodation, visas, luggage, activities, and travel dates all need to line up. Travel insurance helps protect you if something unexpected disrupts those plans before or during your journey.

What travel insurance covers: Travel insurance helps protect you against covered travel risks such as emergency medical expenses, trip cancellation, travel delays, baggage loss, baggage delay, personal liability, and emergency medical evacuation or repatriation.
When to buy travel insurance: It is best to buy travel insurance as soon as your main travel plans are booked and before your trip begins. Allianz travel insurance must be purchased before departure.
Who needs travel insurance: Travel insurance is recommended for South Africans travelling internationally, whether for holiday, family visits, business, Schengen visa travel, senior travel, group trips, or selected adventure activities.
Where travel insurance may be mandatory: Travel insurance may be required for certain visa applications, including Schengen visa applications. Even where it is not mandatory, it is strongly recommended for international travel.
How to choose the right policy: Choose based on your trip type, destination, travel dates, traveller age, number of travellers, visa needs, activity plans, and how often you travel.

How Claims Work

If something happens before or during your trip, the type of claim will determine what information you need to provide. Keep your policy documents, booking confirmations, receipts and written reports so your claim can be assessed.

Claim Type	What To Do
Medical Emergency	For urgent medical help abroad, contact the 24-hour emergency assistance line as soon as possible. If the situation is life-threatening, seek local emergency care first.
Trip Cancellation or Interruption	Keep your original booking documents, cancellation invoices and supporting evidence, such as medical certificates, death certificates or official documentation where relevant.
Baggage Loss, Damage or Delay	Report the issue to the airline, travel provider, police or relevant local authority where required. Keep written reports, receipts and proof of ownership.

What Travel Insurance May Not Cover

Before buying travel insurance, it is important to understand that not every event, cost or loss is covered. Exclusions, limits and conditions apply to all policies as per policy terms.

Exclusion Category	What This Means
Pre-existing medical conditions	Pre-existing medical conditions are not covered within Allianz travel insurance products.
Known or foreseeable events	Losses linked to events that were already known, expected or foreseeable when the policy was purchased may not be covered.
Travel for medical treatment	Travel insurance is not designed for trips where the purpose is to receive medical care or treatment abroad.
Non-emergency medical care	Routine check-ups, elective procedures and non-emergency treatment are not generally covered.
Certain sports or activities	Some high-risk activities may be excluded unless eligible Sports Cover has been added. Some extreme activities may remain excluded.
Alcohol or drug-related incidents	Incidents linked to alcohol or drug use may be excluded, unless related to medication prescribed and used as directed.
War, political risk and certain government restrictions	These events may be excluded, subject to the policy wording.
Baggage not reported correctly	Baggage claims will require reports from the airline, police or relevant authority within the required timeframe.

Who We Are

Your Trusted Travel Insurance Experts

Choosing Allianz means partnering with a world-class network of travel protection experts. By combining global strength with local expertise, our underwriters design highly reliable, comprehensive plans around your itinerary. Whether you are visiting top tourist hotspots or exploring remote corners of the map, we adapt to the realities of modern travel, delivering dependable cover, 24/7 emergency support, and confidence on every continent.