5 October 2026 · The Inside TRAQ Podcast
The Inside TRAQ Podcast: Sleep and the Lack of Sleep
Understand the importance of sleep and how your sleep quality can affect your well-being. Watch TRA’s podcast episodes to find out more!
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Travel Insurance Benefit
All TRA Gap Cover policyholders, under the age of 71, have access to the benefit of comprehensive travel insurance, the cost of which is covered by TRA, provided that you remain a TRA Gap Cover policyholder and ensure that premium payments thereunder are up to date. The said travel insurance is underwritten by Guardrisk Insurance Company Limited, a licensed non-life insurer, and administered by Hepstar Financial Services (Pty) Ltd, both being registered Financial Services Providers.
Benefits include but are not limited to:
Emergency Medical and Related Expenses
R1 000 000
Medical Evacuation, Repatriation or Transportation to a Medical Centre
Actual expense covered when arranged by Hepstar Financial Services.
Personal Accident Cover: Death
R25 000
Personal Accident Cover: Permanent Disability
Up to R25 000
Theft or Accidental Damage During Trip
R5 000 (Single item limit: R1 500)
Theft, Damage or Loss by Airline
R5 000 (Single item limit: R1 500)
Baggage Delay (more than 4 hours)
R500
Baggage Delay (more than 24 hours)
R1 000
Should you plan to travel and have any enquiries about the cover or wish to request the documentation confirming cover, please contact Hepstar Financial Services (Pty) Ltd on +27 (0)86 144 4548 or email info@hepstar.com.
Top-Up Travel Insurance
Exciting news! You also qualify to buy a top-up plan by clicking HERE to increase your medical and baggage related cover, as well as add cover for trip cancellation, pre-existing medical conditions, missed connections and more.
Buy a Top-Up PlaneSIM Services
If you are a TRA policyholder, and you need eSIM services, you have access to a unique link which will take you to the SIMTEX website – there, you will Click “Get your eSIM” to purchase your eSIM and data. Your 20% discount will be applied upon checkout! Easy as that. To get your unique link, refer to your year-end email communications from TRA, or contact membership@totalrisksa.co.za.
20% discount
Get your eSIM
Frequently Asked Questions
What is Gap Cover?
Gap Cover is an insurance policy that covers the difference between what your medical aid pays and what service providers charge for in-hospital expenses.
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