Travel insurance for South Africa

Do you need travel insurance for South Africa?

Travel insurance for South Africa is essential. Whether you’re visiting the beaches of Knysna, the vineyards of Stellenbosch or whale watching in Hermanus. Go away knowing you’re covered for medical emergencies, stolen belongings, unexpected cancellation and more.

• Holidays to South Africa can cost a lot, especially if you’re planning a safari. Return flights from Dublin to Cape Town in the Summer holidays cost more than €800 per person. If something unexpected happens and you need to cancel, holiday insurance for South Africa could help protect what you’ve spent. 
• The Department of Foreign Affairs (DFA) advises: “Hospital treatment in large cities in South Africa is good but can be expensive. Medical facilities in rural areas can be basic. In remote areas, air evacuation is sometimes the only option”. Get cover for emergency medical expenses, including repatriation and evacuation. 
• Violent crime is high in South Africa. Cape Town and Johannesburg are in the top ten most dangerous cities in the world. The Department of Foreign Affairs advises: “While most cases occur in townships or in areas away from normal tourist destinations, nowhere is completely safe and you should exercise caution”. If you need emergency medical assistance or your things are stolen, it’s important that you’re covered. 

Why choose JustCover for your South Africa holiday insurance?

International travel insurance for South Africa means you can relax on holiday knowing you’re covered. We’re here if plans change, flights get delayed, or something goes wrong abroad:

• Buy from Ireland's most trusted travel insurance provider⁴.
• 95% of our customers rated their overall experience as ‘Excellent’ or ‘Great’⁵.
• 98% of our customers would recommend JustCover to family and friends⁶.
• Get up to €10,000 cancellation cover⁷.
• Plus up to unlimited cover for emergency medical expenses and repatriation.

How much does South Africa travel insurance cost?

The cost of travel insurance for travel to South Africa depends on your specific plans and needs. Factors that will impact the price include:

• How old you are. If you’re looking for senior travel insurance for South Africa, you’re more likely to make a claim on your policy. So your quote will probably be higher.
• Any pre-existing medical conditions you have. Again, these can increase the chances of making a claim. Both for emergency medical costs and unexpected cancellations. However, our simple medical questionnaire will help us tailor your quote to you. If your condition is well-controlled, the price may be lower than for someone in ill health. 
• The length of your trip. The longer your trip, the greater the chance of needing to make a claim. So a policy for a week in South Africa will cost less than one for a month. 
• Any extra cover you need. We cover 100 activities as standard, but we have a whole range of extra cover if you need it. From protection for extreme sports to gadgets.

Will you be covered for safari activities in South Africa?

Heading off to spot the Big 5 in Kruger National Park, Kgalagadi Transfrontier Park or Madikwe Game Reserve? You will be covered for some safari activities with travel insurance for South Africa from JustCover, as long as you are adequately supervised and taking part in an organised excursion. Read our Policy Wording for more details. 

When to buy South Africa holiday insurance

If you plan ahead or are a last-minute traveller, we can help find holiday insurance for South Africa for you:

• How early can I buy international travel insurance for South Africa? Up to a year ahead of your trip. This means you’ll be covered for unexpected cancellation before your trip for as long as possible. 
• How late can I buy a policy? You can buy travel insurance for South Africa on your day of departure. As long as you haven’t gone through customs in Ireland yet. Read our Policy Wording for full details. 

Understanding healthcare in South Africa

There are both public and private healthcare facilities in South Africa. The Department of Foreign Affairs advises: “Hospital treatment in large cities in South Africa is good but can be expensive. Medical facilities in rural areas can be basic. In remote areas, air evacuation is sometimes the only option”. 

With travel insurance for South Africa, you’ll get:

• Up to unlimited cover for emergency medical expenses.
• Cover for medical repatriation to Ireland or transportation elsewhere for emergency treatment, if needed. 
• Access to our 24/7 emergency medical helpline is available when you need it.

Which vaccinations do you need when visiting South Africa?

You should speak to your GP or a travel clinic for advice on vaccinations for South Africa. They will normally recommend that holidaymakers are vaccinated against hepatitis A, typhoid and tetanus. Other diseases they may suggest vaccinating against include cholera, tuberculosis, and rabies. It’s common to also need malaria tablets for a trip to South Africa. 

Guidance regularly changes, so you should always speak to a medical professional for advice on vaccinations. Allow plenty of time, as some require 2-3 months' notice. The HSE has more information.

Will the EHIC cover you for your trip to South Africa?

No, the European Health Insurance Card (EHIC) does not include South Africa. It will not help you access emergency healthcare in the country if you need it. That’s why it’s vital you buy travel insurance before you go. Otherwise, you could face high costs from your own pocket.

Do you need a visa to travel to South Africa from Ireland?

For stays that are less than 90 days, Irish passport holders do not need a visa in South Africa. You should have at least six months' validity left on your passport. The Department of Foreign Affairs advises: “You are strongly advised not to overstay the 90-day limit as the South African Department of Home Affairs has in place strict rules and penalties”. 

If you’re staying longer than 90 days, you are likely to need a visa. Visit the Irish Department of Foreign Affairs website for more advice.

South Africa travel tips and recommendations

A trip to South Africa can be mesmerising, but there are some important ways to prepare. Take a look at our tips and read up about travel risks below: 

• Speak to your doctor: Talk to your doctor or medical team for advice on your trip. This is especially important if you have a pre-existing medical condition. They can tell you if you’re fit to travel. As well as advising on any vaccinations, malaria medication or precautions you need.  
• Transport: South Africa is a large country. Research the best options for you and your trip, and always choose reputable companies. The Department of Foreign Affairs advises: “Many tourists consider public transport to be unsafe”. Use a GPS device or offline maps to get around, as the mobile signal can be patchy. 
• Local customs and culture: Dress modestly when visiting rural areas, covering your knees and shoulders. You should always be respectful and ask before taking photos of people or their homes. Try not to waste food and only take what you will eat. Read up on other local etiquette before you go. 
• Packing: Light, neutral-coloured clothing that you can layer is essential. As well as sun and insect protection, and comfortable walking shoes. It can get cold at night, so make sure you pack for all temperatures. Cash is helpful for places that don’t accept cards and for tipping. 
• Currency and tipping: The Rand is the currency in South Africa. You should always try to tip in the local currency. Although US dollars, Euros, or British Pounds can also be accepted in some places. Tipping is customary in the country. 
• Safaris: Visit during the dry season, which is June to September. Avoid wearing white, black, blue or bright colours as they can attract animals and tsetse flies. Neutrals are best. Stay hydrated and take precautions against insects and the sun. Do plenty of research before you go, and don’t forget your binoculars! 
• Travel insurance for South Africa: A trip to South Africa is magical, from beaches to safaris and vibrant cities. However, it’s important to know that you’re covered if something goes wrong. Whether you need emergency medical help or your bags are stolen, holiday insurance for South Africa can help with this. 

Travel risks in South Africa

From the stunning views of Table Mountain to the scenic coastal drives of the Garden Route. It’s not surprising that South Africa was named the fourth best country in the world in the Telegraph Travel Awards 2025. However, it’s important to be prepared for any risks before you go. These include:

• Crime: The Department of Foreign Affairs advises: “South Africa has a high level of crime” and that “While most cases occur in townships or in areas away from normal tourist destinations, nowhere is completely safe and you should exercise caution”. Be aware of your surroundings and keep your things secure. Remember, you will be a target for pickpocketing and bag snatching as a tourist. Don’t walk alone, especially at night, and use official tours and guides. 
• Car crime: The Department of Foreign Affairs says, “Armed car-jacking is a serious concern throughout South Africa.” They advise you to “keep the doors locked and windows closed, and exercise caution when travelling, particularly at night and at filling stations.” They have more advice on what to do on their website. 
• Cash and ATMs: Credit card fraud and crime can be common at ATMs. Cover your PIN, don’t accept help from others and don’t use ATMs at night. Don’t exchange or get out large amounts of cash in public. 
• Protests and demonstrations: These can be common in South Africa. If you come across one, avoid the area and follow the guidance of police or officials. This is particularly important in busy city centres and townships. Watch local news to keep up to date with any potential disruptions. 
• Terrorism: The Department of Foreign Affairs says, “Although the threat from terrorism in South Africa has generally been classified as low, in July 2018, police investigated a series of incendiary devices”. They say it’s important to “exercise usual caution” and speak to the police if you’re ever unsure. 
• Natural Disasters: Floods, droughts, wildfires and storms can all impact South Africa. Monitor the news and any official advice before you go and while you’re away. We offer extra cover in case a natural disaster impacts your holiday. 
• Extreme sports: From sandboarding to hot air balloon rides, bungee jumping to shark cage diving. South Africa is full of extreme sports, but it’s important to know that you’re covered. We include 100 activities as standard with our travel insurance for South Africa. However, most extreme sports will require extra cover. Always read our Policy Wording to understand what is and isn’t included and any terms and conditions.  
• Follow the advice of the Irish Department of Foreign Affairs: The Irish government provides advice on all travel destinations on its website. It’s important to stay informed about any risks and requirements of travelling to South Africa. We cannot cover you if you go against government advice or if they advise against all or all but essential travel.