Travel Insurance Information And FAQs
The answers given are only a brief summary – you must read the Travel Insurance Policy Wording carefully for complete details of what is covered, and which of the benefits are provided under each Plan. Importantly, please note that exclusions do apply, as well as limits to the cover.
Some words may have special meanings – refer to Our Definitions in the Travel Insurance Policy Wording prior to reading through these FAQs
Buying A Policy
Family: travelling with your spouse and children. You can include up to 4 children who are aged between 6 months and less than 18 years old or until 24 years old if they are in full-time tertiary education.
Yes, you are entitled for a special family package rate for taking the family plan which covers you, your spouse and your children.
Our single trip plans can cover you for trips up to a maximum of 180 days.
If you return home early, you do not get a refund. If you are oblivious of the length of your travel, you can buy a policy for a specific period you know you will definitely be away. Before your policy expires, you need to contact us so that your policy can be extended, if possible, for an additional premium.
Our travel insurance is designed for the leisure traveller and also business people travelling overseas for business purposes. It is not designed to cover events linked to employment overseas.
Please refer to the General Exlusions Applicable to all Sections contained in the Policy wording.
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 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
- 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
- hot-air ballooning
We cover you for competitions such as cycling, marathons, golf so long as you are not competing as a professional.
Our annual plan covers you for all travel you take within a 12 month period. There’s no limit to the number of trips you can take so long as each trip is no more than 45 days
We cannot cover people who are not medically fit to travel and have been advised by a medical practitioner not to travel or anyone who is travelling on a trip to receive medical treatment.
Travel insurance only provides cover for emergency medical events overseas that are sudden and unforeseen.
A pre-existing medical condition means:
- An on-going medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware;
- or A medical or dental condition that is currently being, or has been, investigated or treated by a health professional (including dentist or chiropractor) at any time in the past, prior to policy purchase; or
- Any condition for which you take prescribed medicine; or
- Any condition for which you have had surgery; or
- Any condition for which you see a medical specialist; or
- Any condition for which you have had surgery; or
Medical conditions that exist at the time of the policy being issued are NOT covered unless:
- they are listed as automatically covered conditions or;
- your Policy clearly states that your pre-existing illness is covered by way of an endorsement.
What do I do if I am not sure if my medical condition qualifies as a pre-existing condition?
If you click ‘Yes’ to ‘Pre-existing medical condition?’ our online pre-existing medical assessment will take you through the process. You can also check the definition of pre-existing medical condition in the Policy Wording details to see if you have a pre-existing medical condition. If you are still unsure, please contact us.
You’ll just need the personal particulars like National Identity Card Number as well as your e-mail address and date-of-birth for you and your travel companions if included on your policy.
You can obtain a travel insurance quote by following our simple step by step guide which can take effect immediately if you choose to. You will receive an SMS or an e-mail confirming your cover. You can also save your quote and go back to it at a later date. It will be saved in our system and is valid for 30 days.
We take into account multiple risk factors in calculating your premium. These include the duration of your trips as well as the territorial zone of your travel destinations. Your level of coverage also determines the premium you are going to pay. We have three levels of coverage to choose from.
Your security matters to us. The information you provide to us via this website is securely encrypted as it travels between your computer and our internal Information systems.
The secure connection is over a protocol called secure socket layer – SSL, making it extremely difficult for others to access your information. Also, we abide by the Data Protection Act 2008 for the safeguarding of your personal data shared with us.
If you have been hospitalised, you must obtain a medical certificate advising of the injury or illness and the treatment received as well as the bank details, if possible. You MUST contact Europ Assistance as soon as possible so they can arrange for your prompt admission and authorise payment.
Our Assistance Service provider, Europ Assistance is only one telephone call away and is available 24 hours a day, 7 days a week.
An excess is the amount which will be deducted from any claim paid to you under the sections of your policy to which an excess applies. You will be advised which cover sections are subject to an excess and the amount of excess at the time you purchase your policy.
You can submit a claim upon your return to Mauritius or whilst still on your trip. Our claims officers are able to email claim forms to you, however you will still be required to provide original supporting documentation (e.g. receipts) by post or e-mail.
Yes, you can still claim. We understand that you might not be able to provide receipts for each and every item. However, you still have to provide evidence of ownership. You may submit photographic evidence in conjunction with warranty cards, manuals, receipts, bank or credit card statements to support your proof of ownership.
Your claim will be paid to you in Mauritian rupees. When we calculate the amount we will pay you following a claim, we will use the currency exchange rate that applied when you paid your expense/s.
If you have any further questions, or if you want to discuss your existing travel insurance claim, please contact us.