Travel Insurance Policy Terms and Conditons FAQ's

Standard policies: 70 years (inclusive): cover ends on your 71st birthday. We do have cover available for travellers aged 71 years to 81 years (Senior Cover).

Cover ends on the day you exceed the maximum age limit.

All travel suppliers, whether they are tour operators, hotels, travel agencies, cruise lines or airlines, have cancellation penalties. These published penalties inform you that if you cancel, the supplier will hold all or a large percentage of your monies placed as a down payment, deposit or final payment. You will lose this money. Trip Cancellation and Interruption is designed to reimburse you for your loss if you cancel or interrupt for a covered reason.

When you are forced to cancel your travel plans because of one of the following unexpected reasons:

• Illness, injury, death, travel delay exceeding 12 hours, if you are made redundant, accidental damage affecting your home, your compulsory quarantine, or a terrorist attack in a city listed in your itinerary within 14 days prior to departure.

When you are forced to cut short a trip you have already started due to one of the following unexpected reasons:

• Illness, injury, death, travel delay exceeding 12 hours, if you are made redundant, accidental damage affecting your home, your compulsory quarantine, or a terrorist attack in a city listed in your itinerary within 14 days prior to departure.

When you need to make an unscheduled trip home, we will pay the additional costs to return you back to your location abroad, due to unexpected death, or hospitalisation due to a serious accident or illness of a close relative.

Our travel insurance is designed for the leisure traveller or the business traveller travelling on behalf of his South African company (salary paid in South Africa Rands) and typically does not cover events linked to employment overseas (salary paid in foreign currency). We do have an Expatriate cover available. Please contact our helpdesk to discuss your employment, and cover options at (012) 482 6706.

No. Oojah's Travel Insurance policies are all designed to be taken before you commence your journey from South Africa and cover you from when you leave S.A. until you get back to S.A.

Your main home in the listed countries (South Africa, Botswana, Mozambique), where you have not spent more than 6 months abroad in the year prior to buying your policy.

No refund is due once a trip has commenced, or after the policy has expired.

Yes, under our Comprehensive and Business Cover. Please note that you have to purchase our policy within 24 hours of paying for your trip, and cover is effective 14 days after the date of purchase.

Yes. Children (natural or adopted children) under 21 years travelling on the same itinerary as the insured adults are covered, as long as their names are reflected on the policy certificate.

Yes, as long as it's arranged before your existing policy expires, you have not submitted a claim and you are intending to return to South Africa at the end of the extension period. Extensions are at the discretion of the underwriters. Should you wish to extend your policy you should contact us for an extension form which will need to be completed and returned at least 3 working days before your policy expires.

An unexpected illness or death of a family member not travelling with you may be considered a covered reason for Trip Cancellation or Trip Interruption. The definition of family member and explanation of coverage is included in the Policy Wording.