This is a summary of the terms, conditions and exclusions of the travel insurance provided by GK Insurance. What is stated in this summary is subject to what is stated in the travel policy’s terms and conditions. For more information refer to the policy wording obtainable from our downloads section.

Schengen Visa Cover Standard Cover in USD Senior Schengen Visa Cover Senior Visa Cover in USD
Maximum Age 70 70 81 81
         
Summary of Benefits        
         
Overseas Medical Refer below Refer below Refer below Refer below
Illness / injury excluding pre-existing, sport or infectious disease (Covid19) € 50,000 $100,000 € 50,000 $100,000
An infectious disease: in hospital expenses (Covid19) € 50,000 $100,000 € 50,000 $100,000
Additional accommodation whilst quarantined booked by us € 1,000 $1,000 € 1,000 $1,000
Cost of test for infectious disease when positive (Covid19) € 200 $200 € 200 $200
Pre-existing medical conditions (Not Excluded): In hospital expenses € 50,000 $100,000 € 50,000 $100,000
Amateur sport / winter sport € 50,000 $100,000 € 50,000 $100,000
Dental or Optical: Illness € 200 $200 € 200 $200
Covered illness / injury whilst in hospital or outpatient not authorised by us € 500 $500 € 500 $500
Medical Evacuation / Repatriation / Return of mortal remains booked by us Included in Medical Expenses Included in Medical Expenses Included in Medical Expenses Included in Medical Expenses
Cancellation & Curtailment Refer below Refer below Refer below Refer below
Illness / injury or death (not pre-existing) € 1,000 $1,500 € 1,000 $1,500
Missed connection: flight or cruise arrive more than 1 hour later than scheduled € 1,000 $1,500 € 1,000 $1,500
Damage or Burglary affecting your home exceeding $500/€400 € 1,000 $1,500 € 1,000 $1,000
Being retrenched by your employer € 1,000 $1,500 € 1,000 $1,500
Terrorist incident 14 days before trip € 1,000 $1,500 € 1,000 $1,500
Supplier financial default Nil Nil Nil Nil
Complications in pregnancy (purchase policy within 24 hours-trip deposit) 50% of loss up to € 1,000 50% of loss up to $1,500 50% of loss up to € 1,000 50% of loss up to $1,000
Flight or cruise cancelled by the carrier Nil Nil Nil Nil
Your compulsory quarantine when you test positive (Covid19) € 1,500 $1,500 € 1,500 $1,500
Flight / cruise departed 6 hours or more later than scheduled € 500 $200 € 500 $200
Personal Baggage Refer below Refer below Refer below Refer below
Baggage, clothing, toiletries € 1,500 $2,000 € 1,500 $2,000
Any one article / pair / set of articles € 200 $200 € 200 $200
Sunglasses / Prescription glasses / cell phones / ipad / ipod € 100 $100 € 100 $100
Loss, damage or theft from beach / pool-side € 100 $100 € 100 $100
Laptop, palmtop or computer € 200 $200 € 200 $200
Cash and / or Passport on your person / in safe € 100 $100 € 100 $100
Baggage delay outside home country (12hrs+) € 1,000 $200 € 1,000 $200
Legal Refer below Refer below Refer below Refer below
Personal Liability - excess $200 € 50,000 $100,000 € 50,000 $100,000
Bail Bond € 1,000 $1,000 € 1,000 $1,000
Personal Accident Refer below Refer below Refer below Refer below
Death / Permanent Disablement € 40,000 $40,000 Nil Nil
Carrier Accumulation Limit € 4,000,000 $3,500,000 € 4,000,000 $3,500,000
Excess per person, per benefit per claim € 40 $50 € 40 $50

Product Benefits

Medical & Repatriation

Emergency Dental

Additional Accommodation & Travel Expenses

Pre-existing Medical Expenses

Winter Sports

Adventure Sports

Can't Travel

Non-refundable deposits for pre-paid travel and accommodation You do not use because of Your inability to start Your Trip or complete the Trip due to the following reasons:

100% of non-refundable deposits for pre-paid travel and accommodation You have lost, following the complete suspension of operations of the SA registered airline, cruise shi or car rental company due to financial insolvency.

Travel Delay

Missed Connection

Personal Baggage

Baggage Delay

Loss of cash and/or Passport

Personal Liability

Personal Accident

Important Information

Motorcycle / Moped Riding

If you wish to be covered for riding a motorcycle/moped as the driver or pillion passenger during your trip, you must purchase a travel insurance plan that includes cover for Adventure Sports. Even if you purchase Adventure Sports cover, you will only be covered if:

Snow Skiing and Snowboarding

If you wish to be covered for snow skiing or snowboarding during your trip, you must purchase a travel insurance plan that includes cover for Adventure Sports. Even if you purchase Adventure Sports cover, you will only be covered if:

Medical

This policy is NOT a Medical Aid, and does not provide cover for procedures that can be carried out in Your country of residence after repatriation. Our travel insurance covers unexpected illness and injury only.