Best travel insurance in South Africa (2026)

By the Rateweb editorial team · How we rate · Product details checked 21 Jun 2026

Compare travel insurance for South Africans on medical cover abroad, cancellation and baggage. Premiums depend on your trip, age and destination — get a per-trip or annual quote.

🏆 Our top picks
Best overall TIC (Travel Insurance Consultants) ★ 4.5/5 — see why ↓ Best established insurer Santam Travel ★ 4.3/5 — see why ↓ Best global cover Allianz Travel ★ 4.2/5 — see why ↓ Best for choice Oojah Travel Insurance ★ 4.1/5 — see why ↓

⭐ Ratings & awards are Rateweb's independent editorial opinion — how we rate.

🎯 Not sure which is right for you? Get a personalised plan ranked for your situation. Get my plan →
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8 results
🏆 Best overall Travel specialist

TIC (Travel Insurance Consultants)

A specialist travel insurer with comprehensive single-trip and annual cover.
★★★★★
4.5/5 · How we rate
Cover4.6
Value4.3
Claims4.5
Support4.6
Medical, cancellation, baggage
Cover
Single & annual
Trips
single
Trip
Pros
  • Comprehensive overseas medical cover
  • Single-trip and annual multi-trip
  • 24/7 emergency assistance
Cons
  • Premiums rise with age & destination
  • Adventure sports may need an add-on
Fees, eligibility & documents
Eligibility
  • South African resident / valid passport
  • Premium based on age, trip & destination
  • Declare pre-existing conditions
Get a quote
🏆 Best established insurer

Santam Travel

Travel cover from South Africa's largest short-term insurer.
★★★★☆
4.3/5 · How we rate
Medical, cancellation, baggage
Cover
Single & annual
Trips
single
Trip
Pros
  • Backed by Santam
  • Comprehensive medical cover
  • Reliable claims reputation
Cons
  • Not the cheapest
  • Best for comprehensive trips
Fees, eligibility & documents
Eligibility
  • South African resident / valid passport
  • Premium based on age, trip & destination
  • Declare pre-existing conditions
Get a quote

Hollard Travel

Flexible travel insurance from a large independent insurer.
★★★★☆
4.1/5 · How we rate
Medical, cancellation, baggage
Cover
Single & annual
Trips
annual
Trip
Pros
  • Flexible cover options
  • Strong assistance network
  • Annual multi-trip available
Cons
  • Premiums age-rated
  • Exclusions on high-risk activities
Fees, eligibility & documents
Eligibility
  • South African resident / valid passport
  • Premium based on age, trip & destination
  • Declare pre-existing conditions
Get a quote
🏆 Best for choice

Oojah Travel Insurance

A travel-insurance specialist with a wide range of plans.
★★★★☆
4.1/5 · How we rate
Medical, cancellation, baggage
Cover
Single & annual
Trips
single
Trip
Pros
  • Wide plan range
  • Specialist travel focus
  • Senior and student options
Cons
  • Lesser-known brand
  • Read the cover limits carefully
Fees, eligibility & documents
Eligibility
  • South African resident / valid passport
  • Premium based on age, trip & destination
  • Declare pre-existing conditions
Get a quote

Bidvest Insurance Travel

Travel cover with airport lounge perks and flexible plans.
★★★★☆
4.0/5 · How we rate
Medical, cancellation, baggage
Cover
Single & annual
Trips
annual
Trip
Pros
  • Lounge-access options on some plans
  • Flexible cover
  • Established brand
Cons
  • Perks vary by plan
  • Age-rated premiums
Fees, eligibility & documents
Eligibility
  • South African resident / valid passport
  • Premium based on age, trip & destination
  • Declare pre-existing conditions
Get a quote
🏆 Best global cover

Allianz Travel

Global travel insurance and assistance from one of the world's largest insurers.
★★★★☆
4.2/5 · How we rate
Single & annual
Cover
annual
Trip
Pros
  • Worldwide assistance network
  • Comprehensive single & annual cover
Cons
  • Premiums vary by destination & age
Get a quote

Discovery Travel Insurance

Travel cover with benefits for Discovery clients and Vitality members.
★★★★☆
4.1/5 · How we rate
Single & annual
Cover
single
Trip
Pros
  • Integrates with Discovery benefits
  • Comprehensive medical cover
Cons
  • Best value for Discovery members
Get a quote

dotsure Travel

Affordable, flexible travel cover you can buy online.
★★★★☆
4.0/5 · How we rate
Single trip
Cover
single
Trip
Pros
  • Quick online sign-up
  • Flexible single-trip cover
Cons
  • Add-ons for higher limits
Get a quote
📖 Want the full picture? Best Travel Insurance in South Africa — our in-depth editorial guide. Read the guide →

Ratings are Rateweb's editorial opinion. Product details can change — always confirm with the provider before applying. Rateweb may earn a commission on some applications. This is general information, not financial advice.

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