A camera, its lenses, and accessories;

A video camera, its lenses, and accessories;

Sports equipment sets;

A cell phone and its fittings and accessories;

Any electronic equipment including satellite phones, laptops, iPads, personal computers, tablets, palmtops, notebooks, navigation systems and readers, or similar electronic equipment, and its fittings and accessories (including discs, storage mechanisms and carry cases);

Jewellery;

Prescription glasses or sunglasses.

While our travel insurance policies provide cover for the accidental loss, theft, or damage of the baggage you take with you on your insured journey, the intention is not to cover your valuable and expensive items. For this reason, you will see that benefit limits do not make provision for such items. Please check your schedule of benefits and policy wording to make sure you understand the level of cover you have along with the terms, conditions and exclusions of cover.

You should ensure that your all risks insurance policy includes cover for high-value items such as sophisticated photographic and electronic equipment, jewellery and other valuable items. If you are travelling with these items, it is recommended that you discuss this with your short-term insurance broker prior to your trip.

Yes, but the level of cover depends on the plan that you have purchased. There are specific conditions and exclusions for this cover, which include:

Taking care of and keeping your items safe by not leaving them unattended in a public place or in any unlocked vehicle, room or building;

Carrying jewellery, cash and travel documents on you or locking them in a safe or safety deposit box. All valuables or cash must be carried on you and not placed in your checked-in baggage; and

Taking all reasonable steps to attempt to recover the insured items if they are accidentally lost or stolen.

Bryte is the official underwriter for the following banks’ travel insurance programmes and offers the automatic/basic/complimentary cover as well as top-up options for:

Absa

American Express®

Diners Club

Investec

Nedbank

SAA Voyager

Standard Bank

Woolworths

All automatic/basic/complimentary cover and relevant top-up plans can be issued via the Bryte issuance system. In addition to this, Bryte also offers a generic Top-up plan for the banks not mentioned above.

The automatic/basic/complimentary cover provided through your credit card is usually restricted to certain benefits with reduced benefit limits.

You will need to check exactly what you are covered for and consider supplementing your automatic/basic/complimentary benefits to include cover for pre-existing medical conditions, non-medical expenses such as cancellation, baggage theft or loss, baggage and travel delay and sport and hazardous activities.

Bryte offers comprehensive optional top-up cover for Absa, American Express®, Diners Club, Investec, Nedbank, SAA Voyager, Standard Bank and Woolworths cardholders. We also have a generic top-up option for other banks not listed here.

Select Quote or buy a policy. You will be redirected to the quote and sales page to insert all your relevant details and view the premium payable. You will also be able to review the different plan options available to you. When you are ready to make payment, simply follow the steps to complete the process. You can either pay with your card or do a secure EFT payment. Your policy documentation, including your Embassy letter(s) will be emailed to you straight away.

There are 4 steps:

1. Get a quote – your trip details;

2. Cover selection – we present product choices based on your journey to you as well as optional covers – you can top up your cancellation cover;

3. Personal details – tell us who is travelling;

4. Payment – we accept all credit cards, and you can also make a secure EFT payment.

You can contact us to get a quotation or policy issued. Alternatively, you can visit your travel agent and ask for Bryte travel insurance information

Yes, you can ask us to extend a policy by applying for an extension.

You must apply for an extension at least one business day before the policy’s end date. We can decline to extend your policy or change the terms and conditions, including premiums, benefit limits and exclusions of the policy, at the time of the extension. Subject to the plan purchased, the policy cannot be extended beyond 365 days.

Additional premium may need to be charged.

Yes, you can cancel this policy 14 days before the start date shown on the travel insurance certificate if you have not brought a claim under the policy.

You cannot cancel your policy if a visa application was approved and issued on your travel insurance policy and your journey was not cancelled.

The policy cannot be cancelled once an insured journey has started or after the expiry date of the insured journey.

You can contact us to cancel your policy.

Please contact us immediately for further assistance.

Yes, you may make changes to your policy prior to the start date on the policy.

If the duration of the trip is longer than the original, or you upgrade your policy, or there are any changes that affect the premium, you will need to pay the additional premium before the policy is valid

Dependent children are able to share in your cover if you are their biological, adopted, step or surrogate parent. Terms and conditions of cover apply.

If your travel companions do not meet this requirement, we provide cover to individual travellers from the age of 3 months and older.

If, while on your international journey you need emergency medical and related assistance, you must contact Bryte Travel Assist. It is important that you contact us as soon as possible when you need assistance. The team is available 24/7.

After your trip and once you’re back in South Africa, you can register and submit your claim online, download a claim from by clicking here or contact the Bryte Travel Claims Call centre for all medical out-patient and non-medical related claims.

You must, at your own cost, give us all the proof that we ask for about the insured event. The claim form details all the information and documentation required.

We work with World Travel Protection (WTP) which provides 24-hour medical assistance – emergency medical assistance, repatriation, evacuation and transportation to medical centres – to all our policyholders.

You must report any accidental loss, damage or theft of items to the local police or appropriate authority (e.g. hotel or airline) as soon as possible after you discover the loss or damage. You must get a written acknowledgement of the report. Once you return home, you may submit a claim.

You must get our approval for any medical claims over R10,000 before you incur the costs. If you do not get this approval, your benefit will be limited to R10,000. Contact Bryte Travel Assist who is available 24/7.

You must contact Bryte Travel Assist within 24 hours after you have regained consciousness.

No, you must contact Bryte Travel Assist immediately. They are available 24/7. They will put guarantees in place with the medical facility and arrange for payment directly with the facility.

We do not pay for self-medication. You will need to pay directly for these and all over the counter medication

You can submit your claim directly online by clicking on Submit a claim.

Alternatively, you can download a claim form by clicking here or contact Bryte Travel Claims Call centre for all medical out-patient and non-medical related claims.

When you submit your claim, please use the correct email address. All our contact details are available under contact us.

Once your claim has been registered and submitted; you will receive an email with your claim reference number. You must use your claim reference number in all correspondence with us.

To make claiming easier and quicker, you may submit your claim online. Alternatively, you can download and print the relevant form by clicking here.

Attach all the relevant supporting documentation.

All non-medical or out-patient claims must be submitted to us within 30 days after you have returned to South Africa.

No, a scan or photocopies of the original is acceptable. However, please keep the original documents safe for future reference.

For all non-medical claims (for example, claims for baggage or cutting the insured journey short) and for medical claims for out of hospital treatment, you can submit your claim online or contact Bryte Travel Claims Call centre up to 30 days after you have returned to South Africa or your country of residence.

If you have a claim under Section 2: Personal accident, you must tell us in writing within 90 days of the accident that might give rise to a claim.

All the required information can be found under the relevant section if you submit your claim online. Alternatively, the required information can be found on the claim form.

In addition to the information required for your specific claim, please also have the following documentation in support of your claim:

A copy of your travel insurance certificate;

A copy of your public transport carrier ticket (air ticket, train ticket, bus ticket, cruise ticket, etc.);

Letter from your bank, no older than three months, confirming your bank details;

Copy of all receipts and itemised invoices you received from your travel agent, tour operator, travel supplier or travel wholesaler;

Copy of your bank card statement reflecting the purchase of your public transport carrier ticket;

Proof of your other insurance you may have.

You may submit the claim. However, we may not be able to assess the claim until the necessary documentation has been provided. Once you have submitted a claim, a claims assessor will contact you to advise what is outstanding.

No, you may submit a claim while you are travelling abroad. However, if your claim is successful, we only pay into South African bank accounts.

You may submit your claim online. Download a claim form by clicking here or contact Bryte Travel Claims Call centre for all medical, out-patient and non-medical related claims.

An excess is an amount you must pay towards your claim. If an excess applies it will be shown on the travel insurance certificate.

If your claim is less than the excess, you will not be eligible for any compensation against your policy.

We aim to settle your claim within 3-5 working days after receiving your completed claim form with all the relevant supporting documentation.

We will make a bank transfer into the account that you nominated during the claims process. We require a letter from the bank, no older than three months, confirming your bank details.

Once you have submitted your claim and it has been assessed, you cannot be refunded the premium paid for the policy. You are welcome to contact Bryte Travel Claims Call centre if you have any questions or need further assistance.

You can request that we review our decision within 90 days.

If you are still unhappy with our final decision, you can contact the Ombudsman for Short Term Insurance:

PO Box 23224, Braamfontein, 2017

Telephone 011 726 8900

www.osti.co.za

Yes, Bryte travel insurance policyholders are covered for emergency medical and related expenses should you contract the COVID-19 virus whilst on an international journey.

Related expenses include:

Medical evacuation, transport to medical centres, return to South Africa;

Return of stranded children or travel companions;

Burial, cremation or return of mortal remains

No. If your doctor advised you not to travel due to an underlying medical condition(s) that you suffer from, you will not be covered as you are travelling against medical advice.

You must immediately contact Bryte Travel Assist and we will make the necessary arrangements to ensure that you are treated at an appropriate medical facility. Bryte Travel Assist is available 24/7.

If you cannot return to South Africa on the end date stated on your travel insurance certificate because you are hospitalised and your policy ends, we will automatically extend your policy. We will extend your policy until you are medically fit to return to South Africa for up to one year after the insured event occurred. A medical practitioner we appoint will decide when you are medically fit to return.

When you contact Bryte Travel Assist, we will make the necessary arrangements to ensure that you are treated at an appropriate medical facility and arrange for the extension of your policy if needed.

If a medical practitioner deems you medically unfit to travel as a result of your illness, and you are treated as an out-patient or hospitalised and treated as an in-patient for COVID-19 before your intended departure from South Africa or your country of residence, you will have cover under Section 4: The insured journey is cancelled, changed or cut short due to illness. A doctor’s medical report will be required in support of the claim.

We refund you the non-refundable, unused portion of your public transport carrier tickets and accommodation, and the non-refundable cost of the unused visas you have paid for.

However, if you test positive for COVID-19 without any symptoms requiring medical treatment and cannot travel due to you testing positive for COVID-19, you will not be covered for cancelling your journey unless you bought the optional additional cover for cancelling or cutting your insured journey short for an unnamed reason.

No, there is no cover for mandatory COVID-19 testing before you leave South Africa or your country of residence.

No, there is no cover for any costs related to mandatory quarantine (i.e. accommodation and travel costs, telephone costs, meals and beverages, etc.) when you arrive at your international destination or when you arrive back in South Africa or your country of residence.

Yes, if you test positive for COVID-19 whilst on your international journey, we will reimburse you up to a maximum of R2,000 for the COVID-19 test. However, we will not reimburse you if you do not test positive for COVID-19. You will need to provide proof of your positive COVID-19 test results.

The cover is available on specific plans only. Contact us for more information.

If you test positive for COVID-19 whilst you are on your international journey and you are not hospitalised but need to be quarantined, we will reimburse you for your additional accommodation costs in three-star accommodation. We will also reimburse you for flight penalties if you must change the return date of your public transport carrier ticket(s).

The maximum total benefit limit is R30,000, depending on the plan purchased. Please note that you will need to provide invoices and receipts for the additional costs you incur.

The cover is available on specific plans only. Contact us for more information.

If you test positive for COVID-19 whilst you are on your international journey and you are not hospitalised, but need to be quarantined, you must contact us immediately to arrange an extension of your policy. We will extend your policy until you are medically cleared to return to South Africa.

If a medical practitioner deems you medically unfit to travel as a result of your illness, and you are treated as an out-patient or hospitalised and treated as an in-patient for COVID-19 before your intended departure from South Africa or your country of residence, you will have cover under Section 4: The insured journey is cancelled, changed or cut short due to illness. A doctor’s medical report will be required in support of the claim.

We refund you the non-refundable, unused portion of your public transport carrier tickets and accommodation and the non-refundable cost of the unused visas you have paid for.

However, if you test positive for COVID-19 without any symptoms requiring medical treatment and cannot travel due to you testing positive for COVID-19, you will not be covered for cancelling your journey unless you bought the optional additional cover for cancelling or cutting your insured journey short for an unnamed reason.

No, there is no cover if a lockdown/travel ban is declared in South Africa, your country of residence, countries you are transiting or travelling through, or your international destination. This only applies if you bought the optional additional cover for cancelling or cutting your insured journey short for an unnamed reason

No, there is no cover if you need to cancel, postpone or cut your journey short, as a result of not receiving your COVID-19 test results in time for your flight.

Yes, Bryte offers optional additional cover for cancelling or cutting your insured journey short for an unnamed reason. This cover will allow you to cancel or cut your journey short as a result of COVID-19.

This optional additional cover is only available on specific travel plans. There are up to 5 levels of cover with a maximum of R30,000 benefit limit, depending on the plan purchased.

You must buy the optional additional cover within 24-48 hours (depending on the plan purchased) of making your first part or full payment towards your travel and accommodation bookings.

You must cancel your travel booking 48 hours or more before the start date of your policy.

The first part or full payment for your travel booking must be for your original journey. You may not use vouchers, credits or coupons offered to you for travel at a future date as the method of payment. It is important to refer to this benefit’s full terms, conditions and exclusions.

You will need to provide an email address at the quote stage. We will email your quote and policy documents, if you accept, to the email address provided. Print a copy of your documents for your visa appointment and save the information for easy reference while you are travelling.

We do not post any documentation

If you have successfully paid for your policy, you are covered. First, check your junk or spam folder. If you still do not have the email, contact us and we will resend the email to you.

You may need a PDF document reader installed on your device to open and read the documentation. If you are still unable to open the documentation, contact us.

Once you have paid for your policy, you will receive your travel insurance certificate detailing the benefits and excesses that apply to your cover. You will also receive your Embassy letter(s) for visa purposes (if applicable) and a link to the policy wording.

No, we do not provide cover if the intention of the insured journey is to emigrate.

Unless you buy a Business or Youth plan, we do not pay for claims resulting directly from your employment on a permanent or contract basis. However, we do provide cover should your employment be on a casual basis.

If you need cover for your employment as a manual labourer, you must request additional cover for manual labour activities. For cover to be extended, you need to advise us when you purchase your travel insurance policy (Business or Youth plan) and additional premium will be charged.

Manual labour involves physical work, including the use, installation, assembly, maintenance or repair of electrical, mechanical or non-mechanical power tools, industrial machinery, equipment or tools. We exclude cover for construction work, work above 2 storeys or 3 meters, building sites, mines and any occupation involving heavy lifting.

If you have any queries or would like to confirm your cover while taking part in manual labour activity, please contact us before taking part.

The rest of our plans are for leisure travel and business people travelling to attend meetings or conferences.

Yes, the full range of general exclusions can be found in our policy wording under F: Events and items we do not insure. We do not insure you for these general events and items which apply to the whole policy.

Each section in the policy wording also explains the specific conditions and exclusions relevant to that section.

It is essential to familiarise yourself with the content of the policy wording. You can access the policy wording by clicking on here.

We do not pay for claims caused by or resulting from any of the following:

Travelling when you have been advised by a medical practitioner not to do so;

Travelling when you are unfit to do so;

Pregnancy and giving birth. However, we do insure unexpected medical complications and emergencies that take place in the first 26 weeks of the pregnancy;

Sexually transmitted diseases;

AIDS and HIV and any related illness or conditions, regardless of how you contracted them;

Mental or nervous disorders or illnesses such as psychiatric disorders, depression, anxiety, stress, personality disorders, mental retardation, autism, substance use disorders, psychosexual disorders, adjustment disorders, phobias or other mental disorders or illnesses determined by a qualified member of the South African Society of Psychiatry;

If you have received medical advice or treatment (including medication) for hypertension in the 12 months before the start of the insured journey, unless you have cover for pre-existing medical conditions;

We do not insure any medical conditions you had before your travel insurance started unless you have cover for pre-existing medical conditions;

We do not insure claims arising from or relating to any condition where you are travelling for the purpose of or getting medical treatment, even when this is not the only reason for the insured journey;

If you are 70 years or older, we do not pay for claims caused by or resulting from any cardiac or cardiovascular or vascular or cerebrovascular illness or consequences or complications that can reasonably be related to these conditions unless you qualify for and buy the optional additional cardiac or cardiovascular or vascular or cerebrovascular cover before your insured journey.

Contact us for more information about this cover.

Yes, you will. However, you have to meet the following conditions:

The person in control of the two-wheeled motor vehicle must have a valid motorcycle license for the vehicle;

You must wear a crash helmet;

You are not allowed to take part in a race or hazardous driving;

You are not allowed to participate in off-road motorcycling.

While an insurance policy is not designed to pay for every eventuality, you need to consider the financial implications of suffering a loss or illness while abroad, including your non-travelling family members. Paying for an insurance policy provides you with peace of mind that you have assistance in a foreign country when you need it most.

Travel insurance offers travellers cover for the unexpected, from a cancelled flight to a serious illness – or in rare cases, even an act of terrorism or the financial default of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces a traveller to cancel or interrupt their travel plans, they face two potentially major financial losses – money invested in non-refundable pre-payments and medical expenses that in many instances may not be covered by health insurance. Travel insurance provides you with peace of mind that you are protected and allows you to enjoy your trip without worry.

Yes, it does. Ensuring that you have cover and assistance from a reputable insurance provider is critical.

With Bryte, you are assured of best-in-class expertise with many years of experience in the travel insurance industry. We believe that we have not only been able to achieve a competitive product but also a product that is relevant and has customer centricity as its core focus. Customers rightly expect more than just standard coverage and we are committed to continually improving our cover and how we deliver them to you, the traveller.

Bryte is committed to helping our customers when it matters most – when the customer has a claim. We are passionate about responding efficiently, professionally, compassionately and fairly to all claims from the first moment of contact – this is the cornerstone of what an insurance company stands for. Recognising that claims service is why customers buy our products again, Bryte offers its customers a fair and prompt claims process.

Ideally, you should buy travel insurance as soon as you’ve paid for your trip and up to 12 months before the start date of your journey. Cancellation cover starts one day after you bought your travel insurance policy until the day you are due to leave on your international trip. However, you cannot buy a policy when your intended travel dates are more than 365 days from the date of applying for your travel insurance.

Bryte’s range of travel insurance plans has been designed to suit the varying needs of travellers. Selecting the correct plan is based on your reason for travel – business or leisure; destination; age; duration of the trip and any special requirements you might have, for instance, pre-existing medical conditions or sports cover.

Our plans provide basic to comprehensive cover, destination-specific to worldwide, bank partner, youth and senior cover. We also offer business and corporate travel plans.

No, you do not have to carry all your documents with you. However, it is important to have your policy number and emergency contact details available at all times. You will find a summary of all your important policy information (i.e., your name, policy number and plan name) and contact numbers on your travel insurance certificate.

You can take a photo of this summary or cut it out on the dotted line and keep it in a safe place for emergencies. You can also save your policy documents on your digital device to access at a convenient time or print it out to carry with you on your journey if you prefer.

Please contact us for further assistance.

Bryte Travel is part of and underwritten by Bryte Insurance Company Limited, the premier, proactive commercial risk specialist in Southern Africa.

No, you can buy Bryte Travel Insurance through your travel agent or broker, or our call centre including online.

Yes, there are excesses applicable to your travel insurance policy. If there is an excess, we will deduct the excess amount from the amount we pay you. If an excess applies, it will be shown on the travel insurance certificate.

Yes, Bryte offers both single trip and multi-trip policies. The multi-trip policies cover for any number of international journeys throughout the year.

No, your policy expires once you pass through passport control into South Africa. Therefore, you cannot start a new journey on the expired policy.

Different products offer different lengths of cover. This is known as the period of insurance.

Depending on the plan purchased, cover ranges from 1 day to 365 days.

Your cover under Section 4: The insured journey is cancelled, changed or cut short, starts one day after you bought your travel insurance policy. You may claim for cancellation until such time that you board your public transport carrier for departure.

The cover for the rest of the benefits on your policy starts when you go through passport control to start your journey and ends when you return through passport control in South Africa.

Our plans provide world-wide cover, whether leisure, business or bank cover.

The following plans are specific to:

Island Hopper - Mauritius, Maldives, Madagascar, Comoros, Seychelles, Reunion, Rodriquez and Zanzibar.

Local – within the borders of South Africa.

Inbound – within the borders of South Africa. This cover is available to non-South African residents. The cover is not available to South Africans with dual nationality. Cover may be extended on an insured journey when you travel to one or more SADC countries, provided South Africa is your main destination.

Depending on the plan purchased, we provide cover for travellers between the ages of 3 months to 89 years inclusive.

Our Premier plan provides cover for travellers up to the age of 69 years inclusive. It includes up to R100 million for emergency medical and related expenses, and cover for pre-existing medical conditions. There is also cover while taking part in sports, adventure sports and hazardous activities.

Some of our other benefits include:

Cancellation of your trip

Theft or damage to your baggage

Travel delay

Visa delay or rejection

Cruise cover

Air space closure and more

Please refer to our brochure for the full schedule of benefits for these and all our other plans.

No, our policies can only be bought in full.

Bryte is the official underwriter for the following banks and offers the automatic/basic/complimentary cover as well as optional top-up options for:

Absa

American Express®

Diners Club

Investec

Nedbank

SAA Voyager

Standard Bank

Woolworths

In addition to this, Bryte also offers a generic top-up plan for the banks not mentioned above. All automatic/basic/complimentary cover and relevant optional top-up plans can be bought online.

No, an insured journey is defined as an international, local or inbound journey that includes your return journey.

Depending on the level of cover/plan you have, you may have cover for a pre-existing medical condition. If you do not have the benefit available, you may upgrade your cover and pay in the additional premium for the new plan. Contact us for assistance.

The air or sky above a country that is available to aircraft to fly in that is considered to belong to that country, is closed on the recommendation or order by a government or travel authority. Depending on the plan you purchased, you may have cover for cancelling the insured journey, additional expenses incurred, alternative travel arrangements and additional car parking costs because of the air space closure.

Specific benefit limits, terms, conditions and exclusions apply. Please contact us for more information.

Emergency medical expenses refer to the reasonably expected costs that are medically required for treatment, including the costs of supplies and medical services for your illness or injury. We pay these costs directly to the medical facility treating you.

The hospital cash benefit is a daily limit we pay to you when a medical practitioner decides it is necessary to diagnose and treat an illness or injury you suffered from while on an insured journey as an in-patient. We pay the benefit limit for each full day that you are in hospital.

All travel suppliers will impose cancellation penalties. You could potentially lose a large percentage of the money that you paid as a deposit or final payment. The cancellation cover on your travel insurance policy is designed to refund you the non-refundable portion of your loss if you have to cancel for a valid reason.

If you have any questions, please contact us for assistance.

Unfortunately, not. We do not pay for the insolvency of any travel agent, tour operator, tour organiser, booking agent or consolidator responsible for booking your travel or accommodation; or any third party who is not a travel supplier or travel wholesaler.

If you have insurance under Section 12: Insolvency of your travel suppliers or travel wholesalers, we pay for claims arising from the insolvency of the travel supplier, travel wholesaler or any other organisation involved in the insured journey.

Specific terms and conditions apply.

Yes, if you are a South African resident travelling locally within the borders of South Africa, you can buy the Local Plan, which includes cover for: 

Cancellation

Theft or damage to baggage

Car rental

Cruise cover and more

Please note that the Local Plan does not include emergency medical cover. Please contact us for the full schedule of benefits for these and all our other plans.

No, you will not be covered for any condition where you are travelling for the purpose of getting medical treatment, even when this is not the only reason for the insured journey.

We do not pay for claims caused by or resulting from any of the following:

Travelling when a medical practitioner has advised you not to do so;

Travelling when you are unfit to do so;

Pregnancy and giving birth. However, we do insure unexpected medical complications and emergencies that take place in the first 26 weeks of the pregnancy;

Sexually transmitted diseases;

AIDS and HIV and any related illness or conditions, regardless of how you contracted them;

Mental or nervous disorders or illnesses such as psychiatric disorders, depression, anxiety, stress, personality disorders, mental retardation, autism, substance use disorders, psychosexual disorders, adjustment disorders, phobias or other mental disorders or illnesses determined by a qualified member of the South African Society of Psychiatry;

If you have received medical advice or treatment (including medication) for hypertension in the 12 months before the start of the insured journey, unless you have cover for pre-existing medical conditions;

We do not insure any medical conditions you had before your travel insurance started unless you have cover for pre-existing medical conditions;

We do not insure claims arising from or relating to any condition where you are travelling for the purpose of or getting medical treatment, even when this is not the only reason for the insured journey;

If you are 70 years or older, we do not pay for claims caused by or resulting from any cardiac or cardiovascular or vascular or cerebrovascular illness or consequences or complications that can reasonably be related to these conditions, unless you qualify for and buy the optional additional cardiac or cardiovascular or vascular or cerebrovascular cover before your insured journey.

Contact us for more information about this cover.

Yes, if you require emergency dental treatment for the immediate relief of pain and emergency repair to restore dental function.

As a registered short-term insurance provider and not a medical aid, South African legislation does not allow us to pay for medical benefits under the demarcation of the medical schemes act.

Medical aids typically do not pay for inconvenience (non-medical) benefits such as cancellation, baggage theft or loss, personal accident, repatriation of mortal remains, travel delay and more.

Bryte requires that the policy be issued for the entire duration of the trip, from the date you leave South Africa until the date you return.

Once you have received your quote, you will be given the option to buy the policy by entering your credit card details on the secure platform or via an online instant EFT option known as EFTSecure. The policy documents will be emailed to you straight after successful payment.

Yes, we insure unexpected medical complications and emergencies that take place in the first 26 weeks of the pregnancy; however, we do not cover giving birth.

Please also note that we do not pay for any expenses for cancelling, changing or cutting short or postponing an insured journey because of pregnancy or childbirth where the pregnancy would have been more than 26 weeks at the beginning of the insured journey.

However, we do pay if:

The pregnancy was confirmed after the date your travel tickets or confirmation of bookings was issued;

The pregnancy was confirmed after the start date on an annual multi-trip policy;

Cancelling, postponing, or cutting the journey short if it is confirmed as medically necessary.

A pre-existing medical condition includes any doctor’s consultation or medical advice, treatment, including prescription medication you received from a medical practitioner for any chronic or recurring illness or injury during the year before the insurance under this policy started.

Unless you buy a plan that provides cover for this, we do not insure any medical conditions you had before your travel insurance started.

Not all Bryte Travel plans provide cover for pre-existing medical conditions. If you have a pre-existing condition, it is advisable to select the correct level of cover/plan for your needs. Without the correct cover in place, you will not have a valid claim and will not receive the necessary assistance on your journey if the need arises.

Yes, please note the following:

Hospital admission must be longer than 48 hours;

We do not cover out-patient expenses;

We do not cover if you have a terminal prognosis with a life expectancy of less than 24 months diagnosed before you started the insured journey;

If a medical practitioner has advised you not to travel, you will not be covered.

For more medical-related exclusions of cover, please refer to the policy wording.

Children up to the age of 24 years inclusive can share the cover with their parents provided they meet the definition of a “child” defined in our policy wording.

We offer family rates for you and your spouse or life partner travelling on the same insured journey.

We offer group rates for ten or more travellers on the same itinerary.

Some of our bank programmes make provision for families and friends travelling together at a reduced per person rate.

No, the premium is based on the level of cover purchased, the number of travel days, your age and specific medical or activity-based requirements.

The cost of a policy will vary, depending on the plan you have selected, the duration of the trip, your age, the number of people travelling and whether or not you select optional cover.

To find out how much a policy costs request a quote and follow the prompts to insert the required information relevant to your journey.

To view and compare our various travel plans available for you to choose from, click on the “Products” tab in the top menu

Click here and you will be redirected to the quote page to insert all your relevant details and view the premium payable. You will also be able to review the different options available for your trip. When you are ready to make payment, simply follow the steps to complete the process. Your policy documentation, including your embassy letter(s) will be emailed to you straight away.

Alternatively, contact us for more assistance.

You must be a legal citizen or resident in South Africa when you buy the policy, except when you purchase an Inbound policy.

The country that you live in and regard as your permanent home. If you are a temporary resident, have citizenship, a work permit or have been living in the country for more than 12 consecutive months, it will be deemed your country of residence for the purpose of our policies.

No, except for inbound cover.

We provide cover up to the age of 89 years old.

The Exclusive Senior plan is available to travellers between the ages of 85 and 89 years inclusive and has the following conditions:

The maximum period of insurance is 31 days;

You are required to provide proof of your medical aid membership when requesting this cover;

Before purchasing the Exclusive Senior plan, you are required to provide a medical clearance form completed by your local medical practitioner;

Cover is subject to pre-approval by Bryte;

If we decline cover based on the information provided on your medical clearance form, our decision is final, and no further correspondence will be entered into.

Contact us for more information about this cover.

If you are 70 years or older, we do not pay for claims caused by or resulting from any cardiac or cardiovascular or vascular or cerebrovascular illness or consequences or complications that can reasonably be related to these conditions unless you qualify for and buy the optional additional cardiac or cardiovascular or vascular or cerebrovascular cover before your insured journey.

Contact us for more information about this cover.

Yes, we offer specific plans that automatically cover a range of sports, hazardous activities or adventure sports. The emergency medical cover under these plans is reduced while taking part in these activities. Details of cover, along with specific terms and conditions, can be found in our schedules of benefits and policy wording.

All sports that are deemed dangerous sports or activities not usually viewed as tourist activities (sports or activities that are not easily accessible to the general public) must be referred to us for approval before you take part in the sport or activity.

Contact us for assistance.

We do not pay for claims resulting directly or indirectly from you taking part in any sport as a professional sports player. A professional sports player is any person who receives a fee, endorsement, financial reward or gain from you taking part in the sport.

It is important to contact Bryte to ensure that the mountain range you are climbing is covered.

Please also note the following conditions and exclusions of cover:

We do not pay for claims for search and rescue costs;

We do not pay claims for sprains, strains or physiotherapy that result from you taking part in any sports, hazardous activities or adventure sports;

You must follow the safety guidelines for the activity you are taking part in;

We do not pay claims as a result of solo trekking, hikes and mountaineering that requires the use of ropes, crampons or ice axes;

Approval must be obtained for all mountaineering activities not reflected in the policy wording.

We limit claims under Section 8 : Legal responsibility to third parties as a result of your participation in any sports, hazardous activities or adventure sports to R1,000,000;

We do not pay claims for participation in any dangerous sports or activities not usually viewed as tourist activities. These are sports or activities that are not easily accessible to the general public;

We do not pay for claims resulting directly or indirectly from you taking part in any sport as a professional sports player. A professional sports player is any person who receives a fee, endorsement, financial reward or gains from the traveller taking part in the sport.

If you have any questions or if you want to take part in a sport or activity not shown in the tables above, please contact us before taking part.

Ensure that you have checked all travel advisories for the country you are visiting and transiting through.

Check that you have all the relevant documentation in place, including a valid passport and medical reports if required (e.g. vaccine records).

Make a copy of all necessary documents, such as your passport, travel insurance details, your itinerary and plans and leave it with someone you trust or in a safe place.

Also, note down all relevant and important contact numbers to keep on you while travelling in a foreign country.

If you are flying, ensure you arrive at the airport with enough time to spare, making provision for long check-in lines, delays, traffic, etc.

Make photocopies of all your important documents, including passports and your travel insurance certificate – it will be easier to replace if they are lost.

Leave your valuables, like heirlooms and expensive jewellery or equipment at home.

Carry your valuables like cash, credit cards, passports, on you at all times and be discreet about it.

Familiarise yourself with the laws of the country you are visiting.

Learn a few key phrases that will make your travels easier if you do not speak the local language.

You will find a summary of all your essential policy information (i.e. your name, policy number and plan name) along with the important contact numbers on your travel insurance certificate. You can take a photo of this summary or cut it out on the dotted line and keep in a safe place for emergencies. You can also save your policy documents on your digital device to access at a convenient time or print it out to carry with you on your journey.

No, we do not pay where you are offered vouchers, credits or coupons by the public transport carrier, accommodation provider, cruise company, travel agent, tour operator, travel supplier or travel wholesaler for travel at a future date. A voucher, credit or coupon is deemed a monetary refund whether you accept or decline the voucher, credit or coupon.

Whether declared or not, we define war as a conflict carried on by force between nations or military forces or between parties within a nation.

We do not pay for claims caused by or resulting from you being in active service or on duty with or undergoing training with any military or police force, or militia or paramilitary organisation.

We do not pay for claims caused by or resulting from war, invasion, an act of foreign enemy, hostilities, rebellion, revolution, insurrection or military or usurped power. However, you are insured for seven days from the start of the hostilities if you did not expect or could not reasonably have known of these events abroad and do not actively take part in them.

Yes, we refund you the non-refundable, unused portion of your travel costs and unused visas you have paid for if the insured journey needs to be cancelled due to a terrorist attack within 14 days of the start date of the insured journey in a city listed on your original itinerary; OR

We refund you flight penalties if you need to postpone the insured journey before the start date or extra accommodation costs in three-star accommodation and economy class public transport carrier ticket (but not telephone costs, meals and beverages) if you need to postpone the return flight of the insured journey after the start date due to a terrorist attack within 14 days of the start date of the insured journey in a city listed on your original itinerary; OR

We refund you the non-refundable, unused portion of your travel costs (including flight penalties) if the insured journey needs to be cut short due to a terrorist attack while on your insured journey, within 14 days of your arrival in a city listed on your original itinerary.