Plan Three - Full Cover

“Travel and change of place impart new vigour to the mind”
- Seneca

We commit to assure you peace of mind with our worldwide Travel Insurance of 20 travel benefits under our highest level of cover for travel outside Mauritius for you and your family. This cover is designed to ensure that you enjoy the maximum benefits both in terms of limit and scope of coverage.

Make memories together and enjoy lower rates for your Travel Insurance when travelling with your family members.

Tailor your Travel Insurance with our optional benefits to suit your travel needs by increasing your coverage.

Your travel insurance in details

We cover you up to a maximum of 180 days for single trip policies
  • Unlimited cover for:
    • overseas emergency medical assistance
    • overseas emergency return
  • Cover for travel documents and passport
  • Additional cover for travel delays (meals, accommodation, luggage and personal effects)
  • Cover for alternative transport expenses if your scheduled transport is cancelled, delayed, shortened or diverted
  • Cover for permanent disability and loss of income
  • Cover for booking cancellation fees and lost deposits (subject to terms, conditions and exclusions)
And our cancellation benefit applies from the moment you buy your policy, so if your trip is cancelled or delayed before you go, you’re covered.

The Optional Benefits for Your Trip

Adventure Sports Cover

Should you be traveling with the intention of practising any adventure sports (like Skiing) we are happy to insure you.
The only conditions that we have are;

  • You must not be competing professionally.
  • You are not taking part in any speed-time trial or any form of race other than on foot, cycling or swimming.
  • You are not trekking or hiking above 5,000 metres altitude.
  • You have a licensed guide for:

    • trekking, hiking or mountain biking in extreme areas
    • off-piste skiing
    • scuba-diving
    • rafting, canoeing or kayaking in white water rapids
    • parachuting, sky-diving, paragliding and parascending or other similar activities
    • rock climbing, caving, pot-holing, mountaineering or any activities that require use of ropes
    • hang-gliding
    • hot-air ballooning
Passive Terrorism

If you are making plans for a trip abroad, you know you need to make sure that you get travel insurance to cover you during that trip. Many travellers are concerned about problems which might arise due to terrorist activities. Although the chances of anything happening are unlikely, it’s nice to know that the insurance you have purchased has the possibility to provide you with such optional benefit. Passive terrorism is where you are caught up in a terrorist event as an innocent bystander. Obviously, no insurance will cover you if you are an active participant. Some plans will exclude very high risk countries such as Afghanistan and Iraq.

With our Passive Terrorism extension under your Travel insurance, you are assured that in the event You are injured or die or suffer a total permanent disability, whilst on your trip, as a result of terrorist attack or war related events, your compensation will be paid out accordingly.

Booking Cancellations

Planning your trip does include also making your bookings or reservations for your Hotel, Tour sight-seeing, or other related events. By selecting our Booking cancellation cover, we will incur the costs associated with the cancellations fees charged by your service providers as per the limit of our cover, should You need to cancel your existing Bookings or reservations as part of your trip due to unforeseeable events outside of your control (e.g. Sudden Illness)

You can read our Travel Insurance Policy Wordings for more details.

WHEN WE PAY OR PROVIDE

You need medical help

for sudden and unexpected illnesses, excluding pre-existing medical conditions

Overseas medical expenses for hospitalisation and associated expenses
40,000
overseas out-patient medical expenses
1,000

You are in a serious accident

and die whilst on your trip or suffer a total permanent disability
Compensation for death or permanent disability as a benefit
75,000

You need medical evacuation

for sudden and unexpected illnesses, excluding pre-existing medical conditions
Medical evacuation costs including medicalised transport and repatriation costs
Unlimited

You die, whilst on your trip

in a serious accident or as a result of sudden and unexpected illnesses, excluding pre-existing medical conditions
For costs of repatriating your mortal remains to Mauritius and
Unlimited
for funeral and coffin expenses
2,000

You have to return home early

due to unforeseeable events outside of your control (e.g. a close relative is hospitalised due to serious injury or your home is destroyed by fire)
For additional travel expenses incurred for emergency return
Unlimited

You are repatriated

following medical evacuation or death
For costs incurred for the repatriation of the other Insured persons travelling together, to their place of residence in Mauritius
1,500

You are hospitalised

for more than 10 days during your trip
The air fare costs of a return ticket for a close relative to visit you
1,500

You have to cancel your trip

due to unforeseeable events outside of your control (e.g. sudden illness)
For cancellation and modifications costs incurred as well as additional costs (e.g. accommodation expenses)
1,800

Your flight is cancelled

due to bad weather and/or natural disaster
For cancellation and modifications costs incurred as well as additional costs (e.g. accommodation expenses)
1,800

Your travel Is delayed

For operational reasons (e.g. if the airline delays your flight due to mechanical reasons)
For any reasonable additional meals and accommodation; or refund of pre-paid travel arrangements
500

Your bags are delayed

by the airline or other carrier
For essential items to tide you over until your baggage arrives
500

Your passport or travel documents

are lost or stolen
The costs associated with such replacement and the costs incurred in obtaining such documents
200

Your luggage and personal effects

are stolen, accidentally lost or damaged
For costs associated for repair or replacement of the damaged, lost or stolen items
1,000

You become legally liable

when your negligence leads to injury or loss/damage to property (personal liability)
For amounts that you are legally liable for (i.e. compensation) as well as reasonable legal costs
75,000

You flight arrangements need to be changed

due to unforeseeable events outside of your control (e.g. sudden illness)
For reimbursement of fees to change the date on your flight ticket
200

You need 24-hour travel assistance

during your trip
For round-the-clock assistance whether you need flight information, legal assistance or a message to be sent home or help dealing with a medical emergency
SERVICES

You need concierge services

during your trip
For information about your destination during your travel and can help you select restaurants, reserve golf tee times or secure tickets for local events
SERVICES

You are injured or die or suffer a total permanent disability whilst on your trip

as a result of a terrorist attack or war related events
Compensation for death or permanent disability as a benefit as well as medical expenses incurred as per your policy limit
OPTIONAL

You go skiing or participate in any adventure sports

during your overseas trip
For compensation as a result of death or permanent total disability as well as medical expenses as per policy limit
OPTIONAL

You need to cancel your existing bookings

for your trip due to unforeseeable events outside of your control (e.g. sudden illness)
For costs incurred as cancellation fees charged by your service providers
OPTIONAL 100

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