Travel Insurance
Personal Travel Insurance Made Easy
Adventure sounds glamorous until your luggage starts sightseeing without you.
Tanya had planned her dream trip for months: Italian coffee, Greek sunsets, and a suitcase filled with confidence. That confidence unravelled somewhere between Rome and Santorini, along with her luggage. By the time she reached the island, the airline’s lost-and-found desk had adopted her bag as a permanent resident. Her clothes were gone, her sandals were floating somewhere over the Mediterranean, and her carefully planned itinerary had turned into a scavenger hunt for toiletries.
What saved the trip was not luck, but travel insurance. One phone call, a few forms, and her wardrobe was replaced before her patience expired. Travel, she learned, will always test you, but insurance means you can still pass.
What Does Travel Insurance Cover?
Falling ill abroad is stressful enough without the added cost of hospital bills. Travel insurance covers your medical expenses up to your policy limit, ensuring you receive proper care wherever you are. Whether it’s altitude sickness in Peru or food poisoning in Paris, you can focus on recovery while your insurer handles the payments.
Sometimes the only thing standing between you and your holiday is a curveball. If illness, injury, or an unexpected job loss forces you to cancel or cut short your trip, your prepaid flights, accommodation, and tours are reimbursed. It’s the safety net for plans that life decides to edit
Your belongings travel with you in spirit, but sometimes not in reality. If your luggage is lost, stolen, or damaged in transit, you’re compensated for the value of your items so you can replace essentials without cutting into your spending money.
Missed connections, weather disruptions, or airline delays can turn layovers into unplanned mini vacations. This cover reimburses your unexpected expenses, such as meals, accommodation, or replacement tickets, so your trip can continue with as little disruption as possible.
Additional Travel Insurance Products
01
Emergency Evacuation and Repatriation
When medical emergencies require urgent transport or specialised care, this cover handles evacuation to the nearest suitable facility or your home country. It ensures you receive the right treatment without worrying about the cost or logistics. From mountain rescues to medical flights, your safe return is always priority.
02
Adventure Sports and Activities Cover
Some holidays come with a little adrenaline. This cover protects you during activities like skiing, diving, hiking, or zip-lining where standard travel policies may not apply. It ensures that adventure never turns into financial risk. Thrill seekers can explore freely knowing every climb and dive is insured.
03
Travel Assistance Services
From lost passports to emergency translations, this service gives you 24/7 access to support wherever you travel. Assistance teams help coordinate medical care, arrange legal aid, or provide guidance during unexpected crises. It’s like having a travel expert on standby to solve problems before they spoil your trip.
04
Rental Car and Personal Liability Cover
When driving abroad, even the best drivers can face accidents or misunderstandings. This cover pays for vehicle damage, liability claims, or repair costs not covered by rental companies. It helps you navigate foreign roads and foreign rules without draining your wallet. Peace of mind comes standard with every journey.
Four Benefits of Having Travel Insurance
Peace of Mind
Every trip begins with a list: tickets, passports, chargers, and optimism. What you can’t pack is certainty. Flights are delayed, luggage goes on adventures of its own, and stomachs meet new bacteria with questionable enthusiasm. Travel insurance doesn’t stop chaos, but it keeps it from ruining your holiday. It turns problems into paperwork and surprises into solvable inconveniences. Whether you lose your bags in Dubai or your voice in Dublin, peace of mind means knowing help is already built into your itinerary. You’re free to enjoy the view instead of rehearsing what-ifs.
Financial Security
Travel can be a lesson in exchange rates and expensive surprises. A sprained ankle in Switzerland or a missed flight in London can empty your savings faster than a souvenir spree. Travel insurance acts as your financial seatbelt, cushioning you from sudden costs like hospital bills, lost gear, or cancelled tours. Instead of dipping into emergency funds, your insurer steps in to settle the damage. This safety net means your travel memories don’t come attached to debt. It also makes it easier to say yes to new experiences, knowing an unexpected mishap won’t follow you home like an unpaid postcard.
Flexibility
Not all travellers are built the same. Some plan every hour; others buy tickets and hope for the best. Good insurance bends to both. You can tailor your policy to cover medical emergencies, cancellations, or even adventure sports. Add options for cruise travel, business trips, or extended stays abroad. Adjust coverage as your itinerary changes without paying for things you don’t need. Flexibility means your protection grows with your plans, whether you’re swapping city tours for mountain hikes or adding a spontaneous extra week in Greece. You stay in control of your cover, not the other way around.
24/7 Assistance
Travel problems have poor timing. Flights get cancelled at midnight, passports vanish before dawn, and medical emergencies never check the clock. With 24/7 assistance, you’re never stranded in a different time zone with no one to call. A single phone number connects you to professionals who arrange hospital care, rebook flights, or send translators when you’re lost in bureaucracy. They know how to find embassies, doctors, and solutions. This around-the-clock safety net is more than customer service; it’s calm in your pocket. Whether you’re stuck in a snowstorm or need help finding medication abroad, help is only a call away.
Why MBFS?
Travel insurance should go beyond fine print; it should travel with you. Our brokers understand the unpredictability of journeys and the comfort of knowing help is one call away. We tailor policies for explorers, business travellers, and families who want protection that moves at their pace. You focus on the adventure while we make sure every flight, booking, and moment is covered from take-off to touchdown.
Frequently asked questions
What types of trips does travel insurance cover?
Mont Blanc’s travel insurance covers both domestic and international journeys, from short business trips to extended vacations. Whether you’re backpacking through Asia, attending a conference in Europe, or taking a family holiday in Tanzania, we have a suitable plan. You can choose single-trip cover for one-time travel or annual multi-trip cover if you travel frequently. Each policy includes options for medical, baggage, cancellation, and liability protection. Some plans even cover adventure activities like scuba diving or hiking. Always check your policy wording to confirm your chosen activities are included. If in doubt, your broker can adjust your cover so your adventures stay insured from check-in to touchdown.
Are pre-existing medical conditions covered?
Pre-existing medical conditions can be covered, but they must be declared before you travel. Insurers assess each condition individually and may offer cover with specific terms, limits, or additional premiums. Conditions like diabetes, hypertension, or mild asthma are often included with prior disclosure, while serious or unstable conditions may require medical clearance. Hiding a condition can result in claim rejection, so honesty is key. If you take medication or receive ongoing treatment, mention it to your broker. They’ll ensure your policy includes the right level of protection and advise on medical assistance options abroad. The goal is simple: you travel knowing your health and your finances are equally secure.
What are the travel insurance claim procedures?
If something goes wrong, contact your insurer or broker as soon as possible. For medical emergencies, use the 24-hour helpline listed on your policy; they can direct you to an approved facility. Keep receipts for any medical treatment, replacement items, or accommodation expenses. File police reports for theft or loss within twenty-four hours and collect written confirmation from the airline if your baggage is delayed. Most insurers allow online or app-based claim submissions, making the process straightforward. Your broker manages follow-ups, ensuring the claim is processed smoothly. Clear documentation is your best friend; it shortens delays and maximises reimbursement.
How much does travel insurance cost?
The cost depends on your destination, trip duration, age, and level of cover. A weekend in Cape Town costs less to insure than a three-week holiday in Europe. Adding cover for high-risk activities or expensive electronics increases the premium slightly, but so does peace of mind. Basic medical and baggage cover can start at a few hundred rand, while comprehensive plans with cancellation, emergency evacuation, and personal liability cover cost more. Your broker compares quotes and tailors the policy to your travel habits, so you pay only for what you need. The right policy turns unexpected chaos into manageable inconvenience, making every trip safer and more enjoyable.
Your Journey, Covered from Take-off to Touchdown
Travel insurance keeps adventure thrilling, not terrifying. Whether it’s a misplaced bag, a missed flight, or a medical emergency, we help you land softly when plans fall apart.
Ready to travel with confidence and calm? Talk to Mont Blanc Financial Services today. We can’t stop flight delays, lost luggage, or bad buffet choices, but we can make sure none of them ruin your trip or your budget.