Sure Travel Journey Vol 5.1 Summer 2019 | Page 20

DEPARTURE LOUNGE // SUMMER 2019 Travel Cover Think you’ll save big on a trip by foregoing the travel insurance “you’ll never use”, or by opting for the cheapest coverage without provisions for medical evacuation or repatriation in the event of a worst-case scenario? Not so fast. Even the most common of illnesses or injuries can set you back thousands – or millions – of rands if you’re unlucky enough to run into trouble abroad. Here are some stats and stories that show why it’s smart to make sure you’re always properly covered when travelling. ALWAYS READ THE FINE PRINT | Complimentary insurance that comes with credit cards or medical aid is a nice addition but often doesn’t cover cancellations, loss or damage to baggage and just about every other claim besides injury or a medical emergency. R3 000 000 THE COST OF AN AIR AMBULANCE REPATRIATION FROM CHINA SOUTH AFRICAN TRAVEL STATS | 30% of South African holiday travellers and 60% of southern African business travellers travel to tropical destinations in Africa, the Indian Ocean islands or Southeast Asia. Their most frequent travel insurance claims? Treatment for gastric ailments – i.e. the infamous “Delhi belly” – and malaria. MEDICAL EVACUATION OR REPATRIATION | Cost can typically vary from a minimum of R250 000 to R3 million depending on the type of evacuation, the severity of illness/injury and the distance to travel. Medical evacuation or repatriation can be done by: • An upgrade to Business Class with a medical escort • An air ambulance (a helicopter or aircraft specifically fitted and used for medical emergencies) • Less commonly, an intensive care unit (ICU) pod on a commercial airline. ANNUAL CLAIMS AT TRAVEL INSURANCE CONSULTANTS (TIC) | Calculated from the company’s average annual claims: 70% MEDICAL (OF THESE, 50% ARE ACCIDENT OR INJURY RELATED) 12.5% CANCELLATIONS Most common claim is food poisoning (or gastroenteritis). Each case costs the company between R5 000 and R200 000 20 // MAKE MEMORIES FOR LIFE 12% LOST LUGGAGE 5.5% OTHER