Overview
Travel insurance protects you from the unexpected costs that can arise before and during your travels — whether you are heading on a local safari, a regional business trip or an international holiday. Hamarkoh provides single-trip and annual multi-trip travel insurance covering medical emergencies, trip cancellation, delayed flights, lost baggage and more. We work with underwriters that provide global assistance networks, ensuring you get help wherever you are in the world.
Key Benefits
- Emergency medical expenses and hospitalization abroad
- Medical evacuation and repatriation
- Trip cancellation and curtailment
- Delayed or cancelled flights
- Lost, damaged or delayed baggage
- Personal liability while travelling
- Passport loss assistance
- 24/7 worldwide emergency helpline
What Is Not Covered (Exclusions)
- Travel to countries under travel warnings or sanctions
- Pre-existing medical conditions (unless declared and accepted)
- Participation in extreme sports without appropriate add-on
- Loss due to negligence (e.g., unattended baggage)
- Losses caused by intoxication
Claims Process
Contact Hamarkoh immediately after an incident. Our claims team will guide you through gathering the necessary documents and submitting your claim. We liaise directly with the underwriter on your behalf and keep you informed at every stage until your claim is settled.