It is offered via South African based Tour Operators and DMC’s to ANY traveller from ANY destination travelling to Africa and the Indian Ocean Islands.
*SATIBGo Outbound Travel Insurance coming soon!
The SATIBGo has been specifically designed to protect travellers against the post pandemic, ever-changing travel risks associated with travel in Africa.
Post pandemic travel, and travel to Africa itself, has unique risks. We will re-imburse you for expenses incurred for trip cancellation, postponement, interruption and extension.
Maximum limit USD 10 000 on base cover
*Buy Up Options to include up to 100% cover of trip cost and / or Cancellation For Any Reason
Expenses incurred for accommodation, travel, food and communication in the event your flight is delayed for at least 6 hours. Maximum limit USD 200 per day (USD 2,800 in total)
It’s happening more and more, but don’t worry, we’ll compensate you for the above inconveniences.
Maximum limit USD 2 000
We cover medical assistance from the point of incident including first response services and evacuation to the most appropriate facility and cover expenses incurred as part of a treatment for illness, condition and/or accident while travelling.
Maximum limit USD 5,000,000
We have got your back when the unexpected happens! We provide incident management advise when your security in compromised and reimbursement for actual evacuation costs incurred when you are at risk.
Maximum limit USD 200 000
We provide cover from the time the traveller leaves home en route to host country, until the traveller returns to home for luggage delay and / or loss.
Maximum limit USD 5 000
We cover the costs of repatriating the beneficiary’s mortal remains to the city of residence in the unfortunate event of death.
Maximum limit USD 500,000
Above all we provide you peace of mind that your travellers have direct and immediate access to to Africa’s leading remote incident management team with a proven track record. No need to deal with the multitude travel insurance call centres across the globe when you have Africa’s specialist in your corner.
UNLIMITED ACCESS
All eligible travellers arriving in Africa, or the Indian Ocean Islands, are highly recommended to purchase a Medical/Travel Insurance due to the remote locations, wilderness areas that are difficult to access, and often varied and unreliable transport / facilities.
We have a duty of care while hosting travellers and like it or not, these issues will end up on your desk. So take control and give your travellers 24/7 access to Africa’s specialists and leading service providers.
No one knows Africa like we do!
We take great care and responsibility with the price and incident response of our travel insurance program, given the essential nature of the travel assistance coverage offered.
As such we have chosen to work with global leaders when bringing you this product.
Lombard Insurance Company Limited is an Authorised Financial Services Provider (FSP 1596) and Insurer conducting Non-Life insurance business.
Reinsurance Partners: Nexus Re (UK) and United States Fire Insurance Co (USA) – both leaders in the Global Market.
US Fire is part of the Crum & Forster group of companies, which has been providing diverse coverage options for American individuals, businesses, and communities for nearly 200 years.
SATIB24 Crisis Call are Africa’s leading incident management team.
*Also available in ZAR
| Excess | Bronze | Silver | Gold | |
|---|---|---|---|---|
SECTION 1 - Assistance Services (SATIB24) | Nil | 24/7 | 24/7 | 24/7 |
SECTION 2 - Return of Mortal Remains | Nil | USD 35,000 | USD 35,000 | USD 50,000 |
Pre-existing Medical Conditions limited to | Nil | USD 10,000 | USD 10,000 | USD 50,000 |
SECTION 3 - Travel Arrangement Protection | ||||
Base Cover - Trip Cancellation, Postponement, Interruption and Extension | Nil | USD 5,000 | USD 5,000 | USD 10,000 |
Buy Up 1 - Base Cover with Increased LimitBronze24 | Nil | up to 100% | up to 100% | up to 100% |
Buy Up 2 - Base Cover with Increased Limit | Nil | up to 100% | up to 100% | up to 100% |
- Plus: Cancellation for Any Reason | Nil | up to 75% | up to 75% | up to 75% |
SECTION 4 - Natural Disaster Evacuation - reimbursement of actual costs incurred | Nil | USD 15,000 | USD 35,000 | USD 50,000 |
SECTION 5 - Missed Transport Connection, Travel Delay or Overbooked Flight | ||||
Missed Transport Connection | 3 hours | USD 1,000 | USD 2,000 | USD 2,000 |
Travel Delay | 6 hours | USD 500 | USD 1,000 | USD 1,500 |
Overbooked flight | 6 hours | USD 500 | USD 1,000 | USD 1,500 |
SECTION 6 - Rental Vehicle Excess | Nil | USD 500 | USD 500 | USD 1,000 |
SECTION 7 - Personal Liability | Nil | USD 1,000,000 | USD 1,000,000 | USD 1,500,000 |
SECTION 8 - Legal Expenses | Nil | USD 500 | USD 1,000 | USD 1,500 |
SECTION 9 - Substitute Colleague / Resumption of Assignment | Nil | NA | NA | USD 2,750 |
SECTION 10 - Emergency Medical, Transportation or Evacuation and Repatriation | USD 50 | USD 2,000,000 | USD 2,000,000 | USD 5,000,000 |
Pre-existing conditions limited to | USD 50 | USD 15,000 | USD 50,000 | USD 500,000 |
Extensions | ||||
Compassionate Visit - Accommodation and Transport Expenses | Nil | USD 1,000 | USD 1,500 | USD 2,000 |
Automatic Extension of Cover | ||||
Out of Pocket Expenses Benefit | Nil | USD 500 | USD 500 | USD 1,000 |
SECTION 11 - Luggage | ||||
Provides cover from moment traveller leaves home or office (whichever comes last) en route to Host Country, until moment traveller returns to home or office (whichever comes first) | ||||
Luggage Delay | 12 hours | USD 150 | USD 300 | USD 500 |
Personal Luggage | USD 100 | USD 2,000 | USD 3,000 | USD 5,000 |
Single item limit | USD 100 | USD 300 | USD 500 | USD 1,000 |
Included in the above limit for Personal Luggage: | ||||
Business Property | USD 100 | NA | NA | USD 750 |
Money and Travel Documents | USD 100 | USD 300 | USD 400 | USD 500 |
Portable Electronic Equipment limit per item | USD 100 | USD 200 | USD 500 | USD 750 |
SECTION 12 - Accidental Death and Disability | ||||
Accidental Death | Nil | NA | NA | USD 30,000 |
Permanent Total Disability | Nil | NA | NA | USD 50,000 |
SECTION 13 - Security Protection and Political Evacuation | Nil | NA | NA | USD 50,000 |
Security Protection | ||||
Insured Security Events | ||||
1. Kidnap | ||||
2. Extortion | ||||
3. Disappearance | 48 Hours | |||
4. Hostage Crisis | 2 Hours | |||
5. Hijack | 4 Hours | |||
6. Malicious Detention | 4 Hours | |||
Benefits | ||||
1. Response Consultant Fees (Insured Security Events 1-6) | NA | USD 100,000 | USD 200,000 | |
2. Inconvenience Benefit (Insured Security Event 5 only) | NA | USD 100 | USD 200 | |
Excluding travel to: | ||||
Angola, DRC, Mozambique (Cabo Delgado only), Nigeria, Somaila | ||||
a) Political Evacuation | ||||
Reimbursement of actual costs incurred | Nil | NA | USD 10,000 | USD 25,000 |
Annual and any one event accumulation limit | Nil | NA | USD 100,000 | USD 150,000 |
SATIB Insurance Brokers (Pty) Ltd t/a SATIBGo Travel Assist, is a registered South African company Reg. No 1996/01/7839/07, FSP No, 16388. All services provided by the SATIBGo Travel Assist plan are covered and administered by World Travel Assist America LLC, whose registered office is at 2893 Executive Park Drive Suite 204 Weston, FL 33331, World Travel Assist America LLC principal purpose is to provide, among others, health care services and personal assistance only in emergencies during the course of an international trip. Any negligent act or breach of obligations as a direct result of any service provided by third party suppliers of the Emergency Management Centre and relevant to the service provided under this plan, will be the full and sole responsibility of said supplier. SATIBGo will strictly not be held responsible for any liability arising or as a consequence of lawsuits of any kind due to negligence or breach by World Travel Assist America LLC or any third-party service suppliers of their obligations as Assistance Provider.
SATIBGo is available to all nationalities and countries of residence (subject to applicable immigration rules and sanctions).
We can safely say that not all travel assistance/insurance plans are up to speed with the specific risks associated with travel to Africa or the added exposures of post pandemic travel. SATIBgo was developed by Africa’s leading tourism risk provider and tailored for travellers in conjunction with specialist African operators and incident management teams.
There is significant advantage to having group policies where cover is embedded. Insurers are comforted by the fact that there is no Anti-selection, and the risk is therefore spread out across many more individuals meaning that the premiums of many pay for claims of a few.
About 200 years of underwriting experience by Top US Insurers!
Lombard Insurance Company Limited is an Authorised Financial Services Provider (FSP 1596) and Insurer conducting non-Life insurance business in South Africa. They have specifically chosen global leaders in travel insurance as Reinsurance Partners: Nexus Re (UK) and United States Fire Insurance Co (USA).
US Fire is part of the Crum & Forster group of companies, which has been providing diverse coverage options for American individuals, businesses, and communities for nearly 200 years.
YES – within 24hrs of initial booking confirmation / deposit.
ONLY if BUY Up 2 (Cancelation For Any Reason – CFAR) is purchased. General policy exclusions will not apply to CFAR. The traveller simply provides an alternative reason for cancellation. The only limitation is that the individual (Insured Traveller) would need to cancel the trip for any reason. The provider cannot cancel the trip and expect the insurance to cover the cost of the refund (i.e. since the individual didn’t cancel).
The “main” destination (i.e.: longest duration) must be used.
Please note, we have created two per client:
WITHIN RSA – If South Africa is the main (longest) destination, please declare under this policy and use South Africa as the destination (This could be foreigners traveling to SA or SA residents traveling within SA)
OUTSIDE RSA – If South Africa is not the main destination, then please use the country that is the main destination (i.e.: Botswana, etc) (Foreigners, South Africans and potentially locals in that country)
There is an age exclusion for Trip Cancellation, Postponement, Interruption or Extension caused directly or indirectly by a vascular, cardiovascular or cerebrovascular condition of Your Close Relative, Close Business Associate or Travelling Companion if that person is over the age of 80 years.
However if the illness or death is not related to these three conditions then cover is triggered. In addition one could purchase CFAR cover which pays out upton75% of loss.
The Base Covers of Bronze, Silver and Gold do not but if BUY Up 2 (Cancelation for any Reason – CFAR) is purchased this does cover supplier default.
General policy exclusions will not apply to CFAR. Simply change the reason for the cancellation (say supplier default) to “we simply don’t feel like going anymore”.
The only limitation is that the individual (Insured Traveller) would need to cancel the trip for any reason. The provider cannot cancel the trip and expect the insurance to cover the cost of the refund (i.e. since the individual didn’t cancel).