American Express Travel Insurance Policy

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American Express Travel Insurance Policy

1AMERICAN EXPRESS - TRAVEL INSURANCE POLICYBRYTE INSURANCE COMPANY LIMITEDVersion 1, 1 July 2019IndexGeneral SectionsYour American Express Card travel insurance benefits at aglance3A.Schedules of benefits4B.About the policy36C.Important contact information and telephone numbers38D.Guidelines to interpretation and definitions39E.General terms and conditions43F.Events and items we do not insure47G.How to claim53Specific SectionsSection 1Emergency medical and related expenses58Section 2Personal accident62Section 3Bryte Travel Assist services65Section 4The insured journey is cancelled, changed or cut short68Section 5Rejection or delay of your visa application73Section 6Baggage, money, bank cards, travellers’ cheques, traveldocuments and baggage delay74Section 7Travel delay, missed connection and missed event77Section 8Legal responsibility to third parties80Section 9Hijack, kidnap and wrongful detention82Section 10Natural disaster84

2AMERICAN EXPRESS - TRAVEL INSURANCE POLICYBRYTE INSURANCE COMPANY LIMITEDVersion 1, 1 July 2019Section 11Identity fraud85Section 12Insolvency of your travel suppliers or travel wholesalers87Section 13Ticket upgrade88Section 14Car rental excess waiver89Section 15Pet care90Section 16Winter sport91Section 17Golf insure93Section 18Air space closure94Section 19Cruise cover96OtherYour right to know:97

Your American Express Card travel insurance benefits at a glanceAutomatic CoverAs an American Express credit, cheque and charge card member you qualify for up to 30 days automatictravel insurance for both local and international journeys when you purchase your return travel ticket(s) withyour American Express credit, cheque and charge card. Automatic travel insurance is available for travellersbetween the age of 3 months and 74 years inclusive.Automatic travel insurance does not include cover for any pre-existing medical conditions and may notinclude certain hazardous activities. You have a choice of 3 optional top up plans to supplement the automaticcover available to you. Please refer to the optional top up schedules of benefits on pages 16 to 22 in the policywording for detailed information on the benefits and benefit limits offered.Optional Top Up CoverAs automatic travel insurance does not include cover for pre-existing medical conditions and hazardousactivities, you have the option to purchase additional cover from a range of 3 top up plans. The optional top upcover will supplement your automatic cover by providing a wider range of benefits and caters for trips up to amaximum of 180 days. The optional top up cover is available for travellers between the age of 3 months and74 years inclusive.The standard optional top up plans do not include cover for any pre-existing medical conditions. You have achoice of 3 optional pre-existing medical condition top up plans to supplement your cover.The standard optional top up plans may not include certain hazardous activities. Please refer to the hazardousactivities listed on pages 50 to 52 in the policy wording to ensure that you have cover for your plannedactivities. Should your activity not appear on our list, please contact the Bryte Customer Care Centre on0860 885 503 to ensure that you have the appropriate cover in place.Cover for Pre-Existing Medical ConditionsThe automatic and standard optional top up cover excludes any claims which arise from any pre-existingmedical condition that you are aware of. A pre-existing medical condition includes any doctor’s consultationor medical advice, treatment, including prescription medication, you received from a medical practitioner forany chronic or recurring illness or injury during the year before the insurance under this policy started.There are 3 optional pre-existing medical condition top up plans which includes cover for pre-existing medicalconditions. Please refer to the pre-existing medical condition schedule of benefits on page 23 of the policywording to select the appropriate level of cover. The optional pre-existing medical condition top up cover isavailable for travellers between the age of 3 months and 74 years inclusive.Seniors CoverThe automatic insurance provides cover for travellers who are up to 74 years of age. However, if you use yourAmerican Express credit, cheque and charge card to purchase your return travel ticket(s), and you are agedbetween 75 and 89 years inclusive you qualify for the American Express seniors plan. Please refer to theapplicable senior schedule of benefits on pages 24 to 34 for detailed information on the benefits and benefitlimits offered.3

A. Schedules of benefitsAmerican Express Automatic CoverAmerican Express Blue Credit and Green ChargeCardAge Limit: 3 months up to and including74 yearsTrip Duration: 1 to 30 daysLocal1.EMERGENCY MEDICAL AND RELATED EXPENSES1.1Emergency medical expenses including Not applicableterrorismInternationalR1,000,000Excess – in patientNot applicableR2,000Excess – out patientNot applicableR1,0001.3Medical evacuation, transport tomedical centres, return to South AfricaNot applicable1.6Hospital cash (R500 a day for amaximum of 10 days)Not applicable2.PERSONAL ACCIDENT2.1Death and permanent total disability –excluding air travel (including terrorism)R50,000R50,0002.2Death and permanent total disability –insurance for air travel only (includingterrorism)R250,000R450,0002.4Credit card balanceR10,000R10,0003.BRYTE TRAVEL ASSIST SERVICES3.1Assistance services3.2Actual expense (part ofemergency medical andrelated expenses)R5,000Cash transfer adviceAssistance onlyAssistance onlyConsular and embassy referralAssistance onlyAssistance onlyEmergency travel and accommodationarrangementsAssistance onlyAssistance onlySending urgent messagesAssistance onlyAssistance onlyEvacuation assistanceAssistance onlyAssistance onlyReplacement of lost travel documentsAssistance onlyAssistance only24 hour medical emergency telephonelineAssistance onlyAssistance onlyVisit by family memberNot applicableActual expense up to amaximum of R300,0004

American Express Automatic CoverAmerican Express Blue Credit and Green ChargeCardAge Limit: 3 months up to and including74 yearsTrip Duration: 1 to 30 daysLocalInternational3.3Return of stranded childrenNot applicableIncluded (part of emergencymedical and relatedexpenses)3.4Return of stranded travel companionNot applicableIncluded (part of emergencymedical and relatedexpenses)3.6Legal assistance when you are abroadNot applicableAssistance only3.7Burial, cremation or return of mortalremainsR30,000 Included (part of emergencymedical and relatedexpenses)Coffin 009.HIJACK9.1Hijack of public transport carrierTOTAL LIMIT OF ALL CLAIMS5

American Express American Express Gold Credit CardAutomatic CoverAge Limit: 3 months up to and including74 yearsTrip Duration: 1 to 30 daysLocal1.EMERGENCY MEDICAL AND RELATED EXPENSES1.1Emergency medical expenses including Not applicableterrorismInternationalR2,000,000Excess – in patientNot applicableR2,000Excess – out patientNot applicableR1,0001.3Medical evacuation, transport tomedical centres, return to South AfricaNot applicable1.6Hospital cash (R500 a day for amaximum of 10 days)Not applicable2.PERSONAL ACCIDENT2.1Death and permanent total disability –excluding air travel (including terrorism)R100,000R100,0002.2Death and permanent total disability –insurance for air travel only (includingterrorism)R500,000R500,0002.4Credit card balanceR10,000R10,0003.BRYTE TRAVEL ASSIST SERVICES3.1Assistance servicesActual expense (part ofemergency medical andrelated expenses)R5,000Cash transfer adviceAssistance onlyAssistance onlyConsular and embassy referralAssistance onlyAssistance onlyEmergency travel and accommodationarrangementsAssistance onlyAssistance onlySending urgent messagesAssistance onlyAssistance onlyEvacuation assistanceAssistance onlyAssistance onlyReplacement of lost travel documentsAssistance onlyAssistance only24 hour medical emergency telephonelineAssistance onlyAssistance only3.2Visit by family memberNot applicableActual expense up to amaximum of R300,0003.3Return of stranded childrenNot applicableIncluded (part of emergencymedical and relatedexpenses)3.4Return of stranded travel companionNot applicableIncluded (part of emergencymedical and relatedexpenses)6

American Express American Express Gold Credit CardAutomatic CoverAge Limit: 3 months up to and including74 yearsTrip Duration: 1 to 30 daysLocalInternational3.6Legal assistance when you are abroad3.7Burial, cremation or return of mortalremainsR30,000 Included (part of emergencymedical and relatedexpenses)Coffin 009.HIJACK9.1Hijack of public transport carrierTOTAL LIMIT OF ALL CLAIMSNot applicableAssistance only7

American Express Automatic CoverAge Limit: 3 months up to and includingAmerican Express Corporate Green andCorporate PurchasingCardAmerican Express Corporate and BusinessGold Card74 yearsTrip Duration: 1 to 30 Y MEDICAL AND RELATED EXPENSES1.1Emergency medical expensesincluding terrorismNot applicableR2,000,000 Not applicableR2,000,000Excess – in patientNot applicableR2,000 Not applicableR2,000Excess – out patientNot applicableR1,000 Not applicableR1,0001.3Medical evacuation, transport tomedical centres, return to SouthAfricaNot applicableActualNot applicableexpense (partof emergencymedicaland relatedexpenses)Actualexpense (partof emergencymedicaland relatedexpenses)2.PERSONAL ACCIDENT2.1Death and permanent total disability– excluding air travel 002.2Death and permanent total disability– insurance for air travel only(including t card balanceR10,000R10,000R10,000R10,0003.BRYTE TRAVEL ASSIST SERVICES3.1Assistance services3.2Cash transfer sistanceonlyConsular and embassy AssistanceonlyEmergency travel andaccommodation onlyAssistanceonlySending urgent AssistanceonlyEvacuation lyAssistanceonlyReplacement of lost travel documents ceonly24 hour medical emergencytelephone stanceonlyVisit by family memberNot applicableActualNot applicableexpense up toa maximumof R300,000Actualexpense up toa maximumof R300,0008

American Express Automatic CoverAge Limit: 3 months up to and includingAmerican Express Corporate Green andCorporate PurchasingCardAmerican Express Corporate and BusinessGold Card74 yearsTrip Duration: 1 to 30 days3.3Return of stranded childrenNot applicableIncluded(part ofemergencymedicaland relatedexpenses)Not applicableIncluded(part ofemergencymedicaland relatedexpenses)3.4Return of stranded travel companionNot applicableIncluded(part ofemergencymedicaland relatedexpenses)Not applicableIncluded(part ofemergencymedicaland relatedexpenses)3.6Legal assistance when you are abroad Not applicableAssistanceonlyNot applicableAssistanceonly3.7Burial, cremation or return of mortalremainsR30,000 Included(part ofemergencymedicaland relatedexpenses)R30,000 Included(part ofemergencymedicaland relatedexpenses)Coffin expensesR10,000R10,000R10,000R10,0006.BAGGAGE, MONEY, BANK CARDS, TRAVELLERS’ CHEQUES, TRAVEL DOCUMENT ANDBAGGAGE DELAY6.1Theft or damage of baggageNot applicableNot applicableR10,000R15,000Baggage single item limit – theft ordamageNot applicableNot applicableR2,500R3,750Accidental loss of baggageNot applicableNot applicableNot applicableR3,750Baggage single item limit – accidental Not applicablelossNot applicableNot applicableR1,000Contact lenses, prescription glassesNot applicableor sunglasses (over and above excess)Not applicableNot applicableR750Computers and similar electronicequipment (over and above excess)Not applicableNot applicableNot applicableR1,000Cell phones (over and above excess)Not applicableNot applicableNot applicableR1,000ExcessNot applicableNot applicableR500R500Theft of money, cheques andtravellers’ cheques, bank cards,postal or money ordersNot applicableNot applicableR2,000R2,500Money, cheques and travellers’Not applicablecheques, bank cards, postal or moneyorders – single item limitNot applicableR500R625Theft of passport and traveldocumentsNot applicable6.2Not applicableNot applicableR7,5009

American Express Automatic CoverAge Limit: 3 months up to and includingAmerican Express Corporate Green andCorporate PurchasingCardAmerican Express Corporate and BusinessGold Card74 yearsTrip Duration: 1 to 30 days6.4Baggage delay (delayed for more than Not applicable6 hours)7.TRAVEL DELAY7.1Travel delay (delayed for more than 4hours)9.HIJACK9.1Hijack of public transport carrier13.TICKET UPGRADENot applicableR7,50013.1 Ticket upgrade (delayed for more than Not applicable6 hours)TOTAL LIMIT OF ALL CLAIMSR500,000Not applicableNot applicableR7,500Not applicableR2,000,000R2,000Not applicableR7,500Not 0010

American Express Automatic CoverAge Limit: 3 months up to and including 74yearsAmerican Express GoldCharge and PlatinumCredit CardAmerican Express BTACardTrip Duration: 1 to 30 daysLocal1.EMERGENCY MEDICAL AND RELATED EXPENSES1.1Emergency medical expenses including nalR4,000,000 NotapplicableR3,000,000Excess – in patientNotapplicableR2,000 NotapplicableR2,000Excess – out patientNotapplicableR1,000 NotapplicableR1,0001.3Medical evacuation, transport tomedical centres, return to South AfricaNotapplicable2.PERSONAL ACCIDENT2.1Death and permanent total disability –excluding air travel (including terrorism)R250,000R500,000R500,000R500,0002.2Death and permanent total disability –insurance for air travel only 002.4Credit card balanceR10,000R10,000R10,000R10,0003.BRYTE TRAVEL ASSIST SERVICES3.1Assistance servicesActualexpense(part ofemergencymedicaland relatedexpenses)NotapplicableActualexpense(part ofemergencymedicaland relatedexpenses)Cash transfer sistanceonlyConsular and embassy AssistanceonlyEmergency travel and nlyAssistanceonlyAssistanceonlySending urgent AssistanceonlyEvacuation lyAssistanceonlyReplacement of lost travel yAssistanceonly24 hour medical emergency eonlyAssistanceonly11

American Express Automatic CoverAge Limit: 3 months up to and including 74yearsAmerican Express GoldCharge and PlatinumCredit CardAmerican Express BTACardTrip Duration: 1 to 30 daysLocalInternationalLocalInternational3.2Visit by family memberNotapplicableActualexpenseup to amaximum ofR300,000NotapplicableActualexpenseup to amaximum ofR300,0003.3Return of stranded luded(part ofemergencymedicaland relatedexpenses)3.4Return of stranded travel companionNotapplicableIncluded(part ofemergencymedicaland relatedexpenses)NotapplicableIncluded(part ofemergencymedicaland relatedexpenses)3.6Legal assistance when you are stanceonly3.7Burial, cremation or return of mortalremainsR30,000 Included(part ofemergencymedicaland relatedexpenses)R30,000 Included(part ofemergencymedicaland relatedexpenses)Coffin JACK9.1Hijack of public transport carrierTOTAL LIMIT OF ALL CLAIMS12

American Express American Express Platinum Charge CardAutomatic CoverAge Limit: 3 months up to and including74 yearsTrip Duration: 1 to 90 daysLocal1.EMERGENCY MEDICAL AND RELATED EXPENSES1.1Emergency medical expenses including Not applicableterrorismInternationalR10,000,000Excess – in patientNot applicableR2,000Excess – out patientNot applicableR1,0001.3Medical evacuation, transport tomedical centres, return to South AfricaNot applicable1.6Hospital cash (R500 a day for amaximum of 10 days)Not applicable2.PERSONAL ACCIDENT2.1Death and permanent total disability –excluding air travel (including terrorism)R500,000R500,0002.2Death and permanent total disability –insurance for air travel only (includingterrorism)R500,000R500,0002.4Credit card balanceR10,000R10,0003.BRYTE TRAVEL ASSIST SERVICES3.1Assistance servicesActual expense (part ofemergency medical andrelated expenses)R5,000Cash transfer adviceAssistance onlyAssistance onlyConsular and embassy referralAssistance onlyAssistance onlyEmergency travel and accommodationarrangementsAssistance onlyAssistance onlySending urgent messagesAssistance onlyAssistance onlyEvacuation assistanceAssistance onlyAssistance onlyReplacement of lost travel documentsAssistance onlyAssistance only24 hour medical emergency telephonelineAssistance onlyAssistance only3.2Visit by family memberNot applicableActual expense up to amaximum of R500,0003.3Return of stranded childrenNot applicableIncluded (part of emergencymedical and relatedexpenses)3.4Return of stranded travel companionNot applicableIncluded (part of emergencymedical and relatedexpenses)13

American Express American Express Platinum Charge CardAutomatic CoverAge Limit: 3 months up to and including74 yearsTrip Duration: 1 to 90 daysLocalInternational3.6Legal assistance when you are abroadNot applicableAssistance only3.7Burial, cremation or return of mortalremainsR30,000 Included (part of emergencymedical and relatedexpenses)Coffin expensesR10,000R10,0004.THE INSURED JOURNEY IS CANCELLED, CHANGED OR CUT SHORT4.1Cancelling an insured journeyR25,000R25,0004.3Cutting an insured journey shortR25,000R25,000R500R500Excess6.BAGGAGE, MONEY, BANK CARDS, TRAVELLERS’ CHEQUES, TRAVEL DOCUMENT ANDBAGGAGE DELAY6.1Theft or damage of baggageBaggage single item limit – theft ordamageR20,000R3,750R5,000Accidental loss of baggageNot applicableR5,000Baggage single item limit – accidentallossNot applicableR1,250Contact lenses, prescription glasses orsunglasses (over and above excess)Not applicableR1,000Computers and similar electronicequipment (over and above excess)Not applicableR2,500Cell phones (over and above excess)Not applicableR1,000Excess6.2R15,000Theft of money, cheques and travellers’cheques, bank cards, postal or moneyordersMoney, cheques and travellers’cheques, bank cards, postal or moneyorders – single item limitR500R500R2,000R3,000R500R750Theft of passport and travel documentsNot applicableR5,0006.3Bank card fraudNot applicableR5,0006.4Baggage delay (delayed for more than6 hours)7.TRAVEL DELAY, MISSED CONNECTION AND MISSED EVENT7.1Travel delay (delayed for more than 4hours)R2,000Not applicableR3,500R2,50014

American Express American Express Platinum Charge CardAutomatic CoverAge Limit: 3 months up to and including74 yearsTrip Duration: 1 to 90 daysLocal7.4Missed connection (more than 6 hours)8.LEGAL RESPONSIBILITY TO THIRD PARTIES8.1Legal responsibility to third parties9.HIJACK9.1Hijack of public transport carrier10.NATURAL DISASTERInternationalR2,500Not applicableR2,500,000R2,500,000R7,500R7,50010.1 Alternative accommodationNot applicableR2,50010.2 Natural disaster evacuation expensesNot applicableR2,500Not applicableR4,000Not applicableR2,50017.1 Theft, loss or damage of golf equipment Not applicableR10,00013.TICKET UPGRADE13.1 Ticket upgrade (delayed for more than6 hours)15.PET CARE15.1 Pet care17.GOLF INSUREHire of golf equipment (R500 a day for amaximum of 10 days)Not applicableR5,00017.2 Golf tour packageNot applicableR5,00017.3 Hole in oneNot applicableR1,000TOTAL LIMIT OF ALL CLAIMSR500,000R10,000,00015

American Express Option 1Option 2Option 3Top Up CoverAge Limit: 3 monthsup to and including 74yearsTrip Duration: 1 to ternational1.EMERGENCY MEDICAL AND RELATED EXPENSES1.1Emergencymedical expensesincluding terrorismNotapplicableExcess – in patientNotapplicableExcess – ort tomedical centres,return to SouthAfricaNotapplicableActualexpense(part ofemergencymedicaland relatedexpenses)NotapplicableActualexpense(part ofemergencymedicaland relatedexpenses)NotapplicableActualexpense(part ofemergencymedicaland relatedexpenses)1.4Optical expenses –illness and injuryNotapplicableIncluded(part ofemergencymedicaland relatedexpenses)NotapplicableIncluded(part ofemergencymedicaland relatedexpenses)NotapplicableIncluded(part ofemergencymedicaland relatedexpenses)1.5Dental expenses –illness and injuryNotapplicableIncluded(part ofemergencymedicaland relatedexpenses)NotapplicableIncluded(part ofemergencymedicaland relatedexpenses)NotapplicableIncluded(part ofemergencymedicaland relatedexpenses)1.6Hospital cash(R500 a day up toa maximum of 000 NotapplicableR15,0001.7Refund ofemergencytelephone 00 NotapplicableR3,0001.8Holiday 1,500 NotapplicableR3,0002.PERSONAL ACCIDENT2.1Death andpermanenttotal disability– excluding airtravel (includingterrorism)R300,000R5,000,000 NotapplicableExcesswaivedNotapplicableR1,000 NotapplicableR300,000R500,000R10,000,000 tapplicableR1,000 NotapplicableR500,000R500,000R1,000R500,00016

American Express Option 1Option 2Option 3Top Up CoverAge Limit: 3 monthsup to and including 74yearsTrip Duration: 1 to 180daysLocalInternationalR500,000Education fundsupplement2.4Credit card balance3.BRYTE TRAVEL ASSIST SERVICES3.2Visit by familymember (thisbenefit is not inaddition to thebenefit providedunder automaticbenefits)NotapplicableActualexpenseup to amaximumofR300,000NotapplicableActualexpenseup to amaximumofR300,000NotapplicableActualexpenseup to amaximumofR500,0003.3Return of strandedchildrenNotapplicableIncluded(part ofemergencymedicaland relatedexpenses)NotapplicableIncluded(part ofemergencymedicaland relatedexpenses)NotapplicableIncluded(part ofemergencymedicaland relatedexpenses)3.4Return of strandedtravel companionNotapplicableIncluded(part ofemergencymedicaland relatedexpenses)NotapplicableIncluded(part ofemergencymedicaland relatedexpenses)NotapplicableIncluded(part ofemergencymedicaland relatedexpenses)3.5SubstituteNotbusiness colleague 0 NotapplicableR35,0003.6Legal assistancewhen you areabroadNotapplicableR5,000 NotapplicableR5,000 NotapplicableR10,0003.8Assistance foraccompanyingspouse or travelcompanion whilston a bleR500,000LocalDeath andpermanenttotal disability– insurancefor air travelonly onal2.2NotapplicableR500,000LocalR500,000R10,000 NotapplicableR15,000R10,000R10,000Actualexpenseup to amaximumof R10,000R10,000NotapplicableActualexpenseup to amaximumof R15,00017

American Express Option 1Option 2Option 3Top Up CoverAge Limit: 3 monthsup to and including 74yearsTrip Duration: 1 to 180daysLocalInternationalLocal4.THE INSURED JOURNEY IS CANCELLED, CHANGED OR CUT SHORT4.1Cancelling aninsured journey4.2Postponing aninsured journey4.3Cutting an insuredjourney short4.4Ticket change feeNotapplicableNotapplicableNotapplicableR5,000 NotapplicableR10,0004.5Accommodationexpenses due topublic transportcarrier bleR5,000 0R500R15,000 NotapplicableInternationalBail money after aNottraffic accident (you applicablewill have to repaythis money to pplicableLocalR30,000R20,000R4,000 40,000R40,000R5005.REJECTION OR DELAY OF YOUR VISA APPLICATION5.1Rejection of yourvisa R10,000 NotapplicableR25,0005.2Delay of your ableR4,000 NotapplicableR8,0006.BAGGAGE, MONEY, BANK CARDS, TRAVELLERS’ CHEQUES, TRAVEL DOCUMENTS ANDBAGGAGE DELAY6.1Theft or damage aggage singleitem limit – theft ntal loss ofbaggageNotapplicableR2,000 NotapplicableR5,000 NotapplicableR7,500Baggage singleitem limit –accidental lossNotapplicableR500 NotapplicableR1,250 NotapplicableR1,875Contact lenses,prescriptionglasses orsunglasses (overand above excess)NotapplicableR750 NotapplicableR1,000 NotapplicableR1,50018

American Express Option 1Option 2Option 3Top Up CoverAge Limit: 3 monthsup to and including 74yearsTrip Duration: 1 to mputers andsimilar electronicequipment (overand above excess)NotapplicableR1,500 NotapplicableR2,500 NotapplicableR5,000Cell phones (overand above excess)NotapplicableR750 NotapplicableR1,000 NotapplicableR1,500Business applicableNotapplicableR5,000Business property– single item eft of money,cheques andtravellers’ cheques,bank cards, postalor money ordersMoney, chequesand travellers’cheques, bankcards, postal ormoney orders –single item 500R2,000R10,000R500R625R500R1,875R500R2,500Theft of passportand traveldocumentsNotapplicable6.3Bank card fraudNotapplicable6.4Baggage delay(delayed for morethan 6 hours)7.TRAVEL DELAY, MISSED CONNECTION AND MISSED EVENT7.1Travel delay(delayed for morethan 4 hours)7.2Cost of alternativetravel due to R20,000 NotapplicableR25,0007.3Missed connection Not(more than 6 hours) applicableNotapplicableNotapplicableR15,000 NotapplicableR20,000R2,000R2,000R2,000 NotapplicableNotapplicableR2,500R2,500R10,000 NotapplicableR10,000R7,500 0R2,000R3,500R3,000R2,000R5,00019

American Express Option 1Option 2Option 3Top Up CoverAge Limit: 3 monthsup to and including 74yearsTrip Duration: 1 to ternationalAdditional carparking costs dueto travel delay ormissed 1,000 NotapplicableR2,5007.4Missed eventNotapplicableNotapplicableNotapplicableR3,000 NotapplicableR7,5008.LEGAL RESPONSIBILITY TO THIRD PARTIES8.1Legal responsibilityto third parties9.HIJACK, KIDNAP AND WRONGFUL DETENTION9.1Hijack of publictransport carrier9.2Kidnap andwrongful detention10.NATURAL 00 NotapplicableR500,00010.1 AlternativeaccommodationNotapplicableR5,000 NotapplicableR5,000 NotapplicableR10,00010.2 Natural disasterevacuationexpensesNotapplicableR5,000 NotapplicableR5,000 NotapplicableR10,000NotapplicableR1,000 NotapplicableR2,500 NotapplicableR5,000Lost incomeNotapplicableR1,000 NotapplicableR2,500 NotapplicableR5,000Legal obligationsNotapplicableR1,000 NotapplicableR2,500 NotapplicableR5,000Other expensesNotapplicableR1,000 NotapplicableR2,500 NotapplicableR5,00011.IDENTITY FRAUD11.1 Legal expenses12.INSOLVENCY OF YOUR TRAVEL SUPPLIERS OR TRAVEL WHOLESALERS12.1 Insolvency of yourtravel suppliers ortravel plicableR25,000 pplicableR500 icableR5,000 NotapplicableR10,000TICKET UPGRADE13.1 Ticket upgrade(delayed for morethan 6 hours)20

American Express Option 1Option 2Option 3Top Up CoverAge Limit: 3 monthsup to and including 74yearsTrip Duration: 1 to lInternationalCAR RENTAL14.1 Car rentalNotapplicableNotapplicableR1,500 Notapplicable14.2 Car rental excesswaiverNotapplicableNotapplicableR5,00014.3 Return of .1 Pet icableNotapplicableR5,00015.2 Extra kenneland cattery feesincurred as a resultof an unavoidabletravel ft or loss of pplicableNotapplicableR4,000Hire of wintersports tapplicableNotapplicableR4,00016.2 Ski-trip pplicableNotapplicableR2,80016.3 Piste pplicableNotapplicableR2,40016.4 Avalanche 16.R10,000R1,000 NotapplicableR15,000R2,500PET CAREWINTER SPORT16.1 Winter sportsequipment(replacement orrepair)17.R7,500R3,000 NotapplicableGOLF INSURE17.1 Theft, loss ordamage of golfequipmentHire of golfequipment (R500 aday for a maximumof 10 days)17.2 Golf tour package21

American Express Option 1Option 2Option 3Top Up CoverAge Limit: 3 monthsup to and including 74

2.4 Credit card balance R10,000 R10,000 3. BRYTE TRAVEL ASSIST SERVICES 3.1 Assistance services Cash transfer advice Assistance only Assistance only Consular and embassy referral Assistance only Assistance only Emergency travel and accommodation arrangements Assistance only Assistance onl

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