Your luggage gets delayed and you're stuck wearing your airplane hoodie in tropical Mauritius without so much as a bikini or flipflop in sight! Travel insurance can help reimburse you for emergency purchases.

Busting your best dance moves at a New York club, you twist your ankle or stub your toe - it could be broken. As dollar signs flash before your eyes at the thought of an ER visit, you promptly faint on the floor. Medical coverage to the rescue, without you sacrificing an arm and a leg!

Your visa gets denied and your flight is tomorrow. Did you know that you can get a visa denied cover? This is essential cover for South African passport holders should your visa be denied.

A family emergency involving hospitalisation back home means you must suddenly change your flights and return early from your Thailand getaway. Insurance can help cover change fees and new flight costs.

You’ve booked a red-eye flight from Johannesburg to London but upon check-in, you’re informed of a 12-hour delay. Disappointed, you realise you'll be spending the night on the hard airport floor instead of your comfy seat. The right travel insurance policy could've covered costs for a hotel, meals, and sorted out any subsequent flights that you may miss as a result.