Day Package Tours

Discover the essence of Cape Town with Horse Riding Cape Town's day tours, expertly designed to merge horseback adventures with iconic sightseeing experiences. From exploring the Cape Winelands to uncovering the hidden gems of the Cape West Coast, our tours offer an immersive blend of horse riding and culture, ensuring an unforgettable exploration of the city and its surroundings.

Each day tour is meticulously curated to include entrances to attractions, engaging activities, guided horseback trails, and private transfers, guaranteeing a seamless and hassle-free experience from start to finish.

Among the highlights is the chance to explore Cape Point, a majestic natural wonder boasting panoramic views of the ocean and rugged coastline. Complemented by a scenic Noordhoek beach ride, this tour promises a perfect day of adventure.

Additionally, our Cape Winelands day tour takes you on a horseback ride through picturesque vineyards, followed by a visit to a wildlife sanctuary spanning 230 hectares. Here, you might encounter wildlife such as Springbuck, Kudu, and Giraffe, adding a touch of wildlife appreciation to your day.

No visit to Cape Town would be complete without indulging in its world-renowned wines. Following your beach ride, immerse yourself in the heritage of South African winemaking with a visit to Groot Constantia, the oldest wine farm in the country.

At Horse Riding Cape Town, we understand the diverse interests of travellers, which is why we offer a range of day tour options to cater to varying preferences. Our knowledgeable guides are passionate about showcasing the best of Cape Town, ensuring each guest enjoys a memorable and enriching experience. Whether you're riding on the beach, exploring a wildlife sanctuary, or sampling wines in the Winelands, our day tours promise an unforgettable adventure, leaving you with cherished memories of your time in Cape Town.

Booking is essential, please select any of our suggested day tours listed below.

 

Noordhoek Beach Ride, Cape Point & Penguins

2 Guests from R5600 pp
4 Guests from R4300 pp
(Suitable for novice to experienced riders)

Departures
Daily departures. Booking essential

Requirements
Minimum age requirement, 12 years
Maximum weight, 95kg
Minimum 2 guests, single supplement available on request

Cape Peninsula

Private transfer in air conditioned vehicle

Pick up and return, Cape Town CBD

1 Hour, 30 min Noordhoek Beach Ride

Cape Point Nature Reserve/ Cape of Good Hope entry

Boulders Penguin Colony entry

Lunch and refreshments

Personal, medical or rescue insurance

Gratuities

No galloping allowed on Noordhoek Beach as it is part of a protected nature conservancy

Please be on time for your pick-up - late arrivals from your departure time disrupts our operations significantly and is an inconvenience to other clients.

Minimum age requirement: 12 years.

Maximum weight restrictions: 95kgs.

Maximum number of guests per time slot: 7 riders.

Saddles: English saddles.

Horses: Mixed breeds, most mixed with South African Boerperd and cross breeds.

Rates include an experienced guide on the trail.

Clients will be required to sign an indemnity upon arrival.

No galloping, cantering, or trotting allowed. This is a walking tour. Clients are not allowed to overtake the guide at any stage.

This is an adventure activity; therefore, we have a strict no drinking policy prior to the tour. We reserve the right to prevent guests suspected of alcohol consumption from joining the tour.

If you have any medical conditions and are unsure, consult with your doctor before booking.

Moms to be: We apologise — this tour is not for you while you are pregnant.

Riding hats are supplied and are compulsory, but if you have your own, please bring it along.

Refrain from wearing swimwear during this beach ride. It's best to wear long pants that are not too tight and closed shoes for your safety and comfort.

You may bring a cell phone for pictures, but ensure it is always safe as we are not responsible for loss or damage. DSLR cameras are not allowed. Since our beach rides follow a set schedule, there won’t be opportunities to dismount for photos. You can take pictures while on horseback if you feel comfortable, but this is not a photoshoot opportunity. We appreciate your understanding and cooperation.

Itinerary Adjustments: We reserve the right to modify any part of the itinerary due to weather conditions and logistical considerations.

Meals and Beverages: The package does not include meals and beverages. You will have the opportunity to enjoy various local dining options during the journey. Please inform us of any dietary restrictions.

Optional Activities: While we strive to provide accurate pricing information for optional activities, please be aware that these rates may change.

Exclusive Tours: All tours are led by your dedicated personal guide and include exclusive access to a private vehicle. However, it's important to note that activities, tastings, and visits to sightseeing establishments are not private experiences.

We do not accept liability for personal injuries, fatalities, property damage, or any other losses that may occur due to accidents, cancellations, delays, or circumstances beyond our control.

Participants are urged to obtain insurance coverage to protect against these potential risks.

Cancellations are valid only when received in writing from the participant.

Cancellation charges are as follows: 30+ days: 20% non-refundable deposit of the total fare.

15 – 29 days: 60% of the total fare.

7 – 14 days: 80% of the total fare.

0 – 6 days: 100% of the total fare.

No-shows, late arrivals, or incomplete activities: 100% of the total fare.

Cancellation terms may vary during peak seasons.

If WE cancel the activity due to safety concerns (e.g., heavy rain, lightning, high winds, extreme heat), participants will have the option to reschedule or receive a full refund.

 
 

Noordhoek Beach Ride, Kirstenbosch Gardens & Table Mountain

2 Guests from R5400 pp
4 Guests from R4200 p.p
(Suitable for novice to experienced riders)

Departures
Daily departures. Booking essential

Requirements
Minimum age requirement, 12 years
Maximum weight, 95kg
Minimum 2 guests, single supplement available on request

 
Cape Peninsula

Private transfer in air conditioned vehicle

Pick up and return, Cape Town CBD

1 Hour, 30 min Noordhoek Beach Ride

Kirstenbosch National Botanical entry

Table Mountain return cableway fee

Lunch and refreshments

Personal, medical or rescue insurance

Gratuities

No galloping allowed on Noordhoek Beach as it is part of a protected nature conservancy

Please be on time for your pick-up - late arrivals from your departure time disrupts our operations significantly and is an inconvenience to other clients.

Minimum age requirement: 12 years.

Maximum weight restrictions: 95kgs.

Maximum number of guests per time slot: 7 riders.

Saddles: English saddles.

Horses: Mixed breeds, most mixed with South African Boerperd and cross breeds.

Rates include an experienced guide on the trail.

Clients will be required to sign an indemnity upon arrival.

No galloping, cantering, or trotting allowed. This is a walking tour. Clients are not allowed to overtake the guide at any stage.

This is an adventure activity; therefore, we have a strict no drinking policy prior to the tour. We reserve the right to prevent guests suspected of alcohol consumption from joining the tour.

If you have any medical conditions and are unsure, consult with your doctor before booking.

Moms to be: We apologize — this tour is not for you while you are pregnant.

Riding hats are supplied and are compulsory, but if you have your own, please bring it along.

Refrain from wearing swimwear during this beach ride. It's best to wear long pants that are not too tight and closed shoes for your safety and comfort.

You may bring a cell phone for pictures, but ensure it is always safe as we are not responsible for loss or damage. DSLR cameras are not allowed. Since our beach rides follow a set schedule, there won’t be opportunities to dismount for photos. You can take pictures while on horseback if you feel comfortable, but this is not a photoshoot opportunity. We appreciate your understanding and cooperation.

Itinerary Adjustments: We reserve the right to modify any part of the itinerary due to weather conditions and logistical considerations.

Meals and Beverages: The package does not include meals and beverages. You will have the opportunity to enjoy various local dining options during the journey. Please inform us of any dietary restrictions.

Exclusive Tours: All tours are led by your dedicated personal guide and include exclusive access to a private vehicle. However, it's important to note that activities, tastings, and visits to sightseeing establishments are not private experiences. Itinerary Adjustments: We reserve the right to modify any part of the itinerary due to weather conditions and logistical considerations.

Optional Activities: While we strive to provide accurate pricing information for optional activities, please be aware that these rates may change.

We do not accept liability for personal injuries, fatalities, property damage, or any other losses that may occur due to accidents, cancellations, delays, or circumstances beyond our control. Participants are urged to obtain insurance coverage to protect against these potential risks.

Cancellations are valid only when received in writing from the participant.

Cancellation fees will be scaled as follows and are non-refundable:

31+ days prior to your scheduled activity/tour departure: 30% of the total fare.

0 - 30 days prior to your scheduled activity/tour departure: 100% of the total fare.

No-shows, late arrivals, or incomplete activities: 100% of the total fare.

Cancellation terms may vary during peak seasons.

If WE cancel the activity due to safety concerns (e.g., heavy rain, lightning, high winds, extreme heat), participants will have the option to reschedule or receive a refund for that specific outride, not for the entire booked package.

A full refund may be granted, at management’s discretion, upon proof of illness, hospitalization, accident, or death.

 
 
 

Noordhoek Beach Ride, Groot Constantia & Bo-Kaap 

2 Guests from R4800 pp
4 Guests from R3600 pp
(Suitable for novice to experienced riders)

Departures
Daily departures. Booking essential

Requirements
Minimum age requirement, 12 years
Maximum weight, 95kg
Minimum 2 guests, single supplement available on request

 
Cape Peninsula

Private transfer in air conditioned vehicle

Pick up and return, Cape Town CBD

1-hour, 30-minute Noordhoek Beach Ride

Wine pairing at Groot Constantia

Bo-Kaap stroll

Lunch and refreshments

Personal, medical or rescue insurance

Gratuities

No galloping allowed on Noordhoek Beach as it is part of a protected nature conservancy

Please be on time for your pick-up - late arrivals from your departure time disrupts our operations significantly and is an inconvenience to other clients.

Minimum age requirement: 12 years.

Maximum weight restrictions: 95kgs.

Maximum number of guests per time slot: 7 riders.

Saddles: English saddles.

Horses: Mixed breeds, most mixed with South African Boerperd and cross breeds.

Rates include an experienced guide on the trail.

Clients will be required to sign an indemnity upon arrival.

No galloping, cantering, or trotting allowed. This is a walking tour. Clients are not allowed to overtake the guide at any stage.

This is an adventure activity; therefore, we have a strict no drinking policy prior to the tour. We reserve the right to prevent guests suspected of alcohol consumption from joining the tour.

If you have any medical conditions and are unsure, consult with your doctor before booking.

Moms to be: We apologize — this tour is not for you while you are pregnant.

Riding hats are supplied and are compulsory, but if you have your own, please bring it along.

Refrain from wearing swimwear during this beach ride. It's best to wear long pants that are not too tight and closed shoes for your safety and comfort.

You may bring a cell phone for pictures, but ensure it is always safe as we are not responsible for loss or damage. DSLR cameras are not allowed. Since our beach rides follow a set schedule, there won’t be opportunities to dismount for photos. You can take pictures while on horseback if you feel comfortable, but this is not a photoshoot opportunity. We appreciate your understanding and cooperation.

Itinerary Adjustments: We reserve the right to modify any part of the itinerary due to weather conditions and logistical considerations.

Meals and Beverages: The package does not include meals and beverages. You will have the opportunity to enjoy various local dining options during the journey. Please inform us of any dietary restrictions.

Exclusive Tours: All tours are led by your dedicated personal guide and include exclusive access to a private vehicle. However, it's important to note that activities, tastings, and visits to sightseeing establishments are not private experiences.

Itinerary Adjustments: We reserve the right to modify any part of the itinerary due to weather conditions and logistical considerations.

Optional Activities: While we strive to provide accurate pricing information for optional activities, please be aware that these rates may change.

We do not accept liability for personal injuries, fatalities, property damage, or any other losses that may occur due to accidents, cancellations, delays, or circumstances beyond our control. Participants are urged to obtain insurance coverage to protect against these potential risks.

Cancellations are valid only when received in writing from the participant.

Cancellation fees will be scaled as follows and are non-refundable:

31+ days prior to your scheduled activity/tour departure: 30% of the total fare.

0 - 30 days prior to your scheduled activity/tour departure: 100% of the total fare.

No-shows, late arrivals, or incomplete activities: 100% of the total fare.

Cancellation terms may vary during peak seasons.

If WE cancel the activity due to safety concerns (e.g., heavy rain, lightning, high winds, extreme heat), participants will have the option to reschedule or receive a refund for that specific outride, not for the entire booked package.

A full refund may be granted, at management’s discretion, upon proof of illness, hospitalization, accident, or death.

 
 

Winelands Horse Riding, Game Drive & Wine Tasting 

2 Guests from R4900 pp
4 Guests from R3700 pp
(Suitable for novice to experienced riders)

Departures
Daily departures. Booking essential
Not available on Sundays

Requirements
Minimum age requirement, 12 years
Maximum weight, 95kg
Minimum 2 guests, single supplement available on request

 
Cape Winelands

Private transfer in air conditioned vehicle

Pick up and return, Cape Town CBD

1 Hour Scenic Winelands Horseback outride

Le Bonheur Reptile Park

Drakenstein Lion Park

Lunch and refreshments

Additional wine purchases

Personal, medical or rescue insurance

Gratuities

Please be on time for your pick-up - late arrivals from your departure time disrupts our operations significantly and is an inconvenience to other clients.

Maximum weight restrictions: 95kgs for walk rides - for faster rides we will need to assess the experience. Heavier people can be allowed, please enquire individually.

Maximum number of guests per time slot: 8-10 riders, depending on rider experience. Beginner groups not more than 7 people.

Saddles: English and trail saddles.

Horses: Mainly thoroughbred, Arab, Friesian, Boerperd crosses.

Clients will be required to sign an indemnity upon arrival.

Rates include an experienced guide on the trail.

The guides will set the pace according to the ability of the slowest/inexperienced rider in the group. Should all riders in the group be experienced, the guides will allow trotting and cantering.

This is an adventure activity; therefore, we have a strict no drinking policy prior to the tour. We reserve the right to prevent guests suspected of alcohol consumption from joining the tour.

If you have any medical conditions and are unsure, consult with your doctor before booking.

Moms to be: We apologize – this tour is not for you while you are pregnant.

Riding hats are supplied and are compulsory, but if you have your own, please bring it along.

It's best to wear long pants that are not too tight and closed shoes for your safety and comfort.

Itinerary Adjustments: We reserve the right to modify any part of the itinerary due to weather conditions and logistical considerations.

Meals and Beverages: The package does not include meals and beverages. You will have the opportunity to enjoy various local dining options during the journey. Please inform us of any dietary restrictions.

Exclusive Tours: All tours are led by your dedicated personal guide and include exclusive access to a private vehicle. However, it's important to note that activities, tastings, and visits to sightseeing establishments are not private experiences.

Optional Activities: While we strive to provide accurate pricing information for optional activities, please be aware that these rates may change.

We do not accept liability for personal injuries, fatalities, property damage, or any other losses that may occur due to accidents, cancellations, delays, or circumstances beyond our control. Participants are urged to obtain insurance coverage to protect against these potential risks.

Cancellations are valid only when received in writing from the participant.

Cancellation fees will be scaled as follows and are non-refundable:

31+ days prior to your scheduled activity/tour departure: 30% of the total fare.

0 - 30 days prior to your scheduled activity/tour departure: 100% of the total fare.

No-shows, late arrivals, or incomplete activities: 100% of the total fare. Cancellation terms may vary during peak seasons.

If WE cancel the activity due to safety concerns (e.g., heavy rain, lightning, high winds, extreme heat), participants will have the option to reschedule or receive a refund for that specific outride, not for the entire booked package.

A full refund may be granted, at management’s discretion, upon proof of illness, hospitalization, accident, or death.

 
 

Winelands Horseback & Animal Encounters

2 Guests from R5100 pp
4 Guests from R3800 pp
(Suitable for novice to experienced riders)

Departures
Daily departures. Booking essential
Not available on Sundays

Requirements
Minimum age requirement, 6 years. Can be younger. Please enquire.
Maximum weight, 95kg
Minimum 2 guests, single supplement available on request

 
Cape Winelands

Private transfer in air conditioned vehicle

Pick up and return, Cape Town CBD

1 Hour Scenic Winelands Horseback outride

Le Bonheur Reptile Park

Drakenstein Lion Park

Giraffe House Wildlife Awareness Centre

Lunch and refreshments

Additional wine purchases

Personal, medical or rescue insurance

Gratuities

Please be on time for your pick-up - late arrivals from your departure time disrupts our operations significantly and is an inconvenience to other clients.

Maximum weight restrictions: 95kgs for walk rides - for faster rides we will need to assess the experience. Heavier people can be allowed, please enquire individually.

Maximum number of guests per time slot: 8-10 riders, depending on rider experience. Beginner groups not more than 7 people.

Saddles: English and trail saddles.

Horses: Mainly thoroughbred, Arab, Friesian, Boerperd crosses.

Clients will be required to sign an indemnity upon arrival.

Rates include an experienced guide on the trail.

The guides will set the pace according to the ability of the slowest/inexperienced rider in the group. Should all riders in the group be experienced, the guides will allow trotting and cantering.

This is an adventure activity; therefore, we have a strict no drinking policy prior to the tour. We reserve the right to prevent guests suspected of alcohol consumption from joining the tour.

If you have any medical conditions and are unsure, consult with your doctor before booking.

Moms to be: We apologize – this tour is not for you while you are pregnant.

Riding hats are supplied and are compulsory, but if you have your own, please bring it along.

It's best to wear long pants that are not too tight and closed shoes for your safety and comfort.

Itinerary Adjustments: We reserve the right to modify any part of the itinerary due to weather conditions and logistical considerations.

Meals and Beverages: The package does not include meals and beverages. You will have the opportunity to enjoy various local dining options during the journey. Please inform us of any dietary restrictions.

Exclusive Tours: All tours are led by your dedicated personal guide and include exclusive access to a private vehicle. However, it's important to note that activities, tastings, and visits to sightseeing establishments are not private experiences.

Optional Activities: While we strive to provide accurate pricing information for optional activities, please be aware that these rates may change.

We do not accept liability for personal injuries, fatalities, property damage, or any other losses that may occur due to accidents, cancellations, delays, or circumstances beyond our control. Participants are urged to obtain insurance coverage to protect against these potential risks.

Cancellations are valid only when received in writing from the participant.

Cancellation fees will be scaled as follows and are non-refundable:

31+ days prior to your scheduled activity/tour departure: 30% of the total fare.

0 - 30 days prior to your scheduled activity/tour departure: 100% of the total fare.

No-shows, late arrivals, or incomplete activities: 100% of the total fare.

Cancellation terms may vary during peak seasons.

If WE cancel the activity due to safety concerns (e.g., heavy rain, lightning, high winds, extreme heat), participants will have the option to reschedule or receive a refund for that specific outride, not for the entire booked package.

A full refund may be granted, at management’s discretion, upon proof of illness, hospitalization, accident, or death.

 
 

Franschhoek Horseback & Wine Tasting

2 Guests from R5900 pp
4 Guests from R4600 pp
(Suitable for novice to experienced riders)

Departures
Daily departures. Booking essential
Not available on Sundays

Requirements
Minimum age requirement, 12 years
Maximum weight, 95kg
Minimum 2 guests, single supplement available on request

 
Franschhoek

Private transfer in air conditioned vehicle

Pick up and return, Cape Town CBD

2.5-hour Franschhoek Horseback Trail including visit to 1 wine farm and tasting

Franschhoek stroll

Wine and cheese tasting at a Wine Estate

Lunch and refreshments

Additional wine purchases

Personal, medical or rescue insurance

Gratuities

Please be on time for your pick-up - late arrivals from your departure time disrupts our operations significantly and is an inconvenience to other clients.

Minimum age requirement: 12 years (no exceptions). Parent or legal guardian must sign an indemnity for anyone under 18 years of age. Child must be 1.5m tall.

Maximum weight restrictions: 95kgs / 14.9 stone / 209 pounds.

Maximum number of guests per time slot: 6 riders, can be more, depending on rider ability.

Saddles: Trail saddles.

Horses: Purebred Arabians

Clients will be required to sign an indemnity upon arrival.

Rates include an experienced guide on the trail.

The guides will set the pace according to the ability of the slowest/inexperienced rider in the group. Should all riders in the group be experienced, the guides will allow trotting and cantering.

This is an adventure activity; therefore, we have a strict no drinking policy prior to the tour. We reserve the right to prevent guests suspected of alcohol consumption from joining the tour.

If you have any medical conditions and are unsure, consult with your doctor before booking.

Moms to be: We apologize – this tour is not for you while you are pregnant.

Transfers to the stables available upon request – please enquire about the cost.

Riding hats are supplied and are compulsory, but if you have your own, please bring it along.

It's best to wear long pants that are not too tight and closed shoes for your safety and comfort.

This stable is closed on Sundays.

Itinerary Adjustments: We reserve the right to modify any part of the itinerary due to weather conditions and logistical considerations.

Meals and Beverages: The package does not include meals and beverages. You will have the opportunity to enjoy various local dining options during the journey. Please inform us of any dietary restrictions.

Exclusive Tours: All tours are led by your dedicated personal guide and include exclusive access to a private vehicle. However, it's important to note that activities, tastings, and visits to sightseeing establishments are not private experiences.

Optional Activities: While we strive to provide accurate pricing information for optional activities, please be aware that these rates may change.

We do not accept liability for personal injuries, fatalities, property damage, or any other losses that may occur due to accidents, cancellations, delays, or circumstances beyond our control. Participants are urged to obtain insurance coverage to protect against these potential risks.

Cancellations are valid only when received in writing from the participant.

Cancellation fees will be scaled as follows and are non-refundable:

31+ days prior to your scheduled activity/tour departure: 30% of the total fare.

0 - 30 days prior to your scheduled activity/tour departure: 100% of the total fare.

No-shows, late arrivals, or incomplete activities: 100% of the total fare.

Cancellation terms may vary during peak seasons.

If WE cancel the activity due to safety concerns (e.g., heavy rain, lightning, high winds, extreme heat), participants will have the option to reschedule or receive a refund for that specific outride, not for the entire booked package.

A full refund may be granted, at management’s discretion, upon proof of illness, hospitalization, accident, or death.

 
 

West Coast Horseback Experience

2 Guests from R4900 pp
4 Guests from R3600 pp
(Suitable for novice to experienced riders)

Departures
Daily departures. Booking essential

Requirements
Minimum age requirement, 8 years
Maximum weight, 120kg
Minimum 2 guests, single supplement available on request

 
Cape West Coast

Private transfer in air conditioned vehicle

Pick up and return, Cape Town CBD

2 Hour West Coast Horseback Safari

Charcuterie Board and Wine Tasting

Lunch and refreshments

Additional wine purchases

Personal, medical or rescue insurance

Gratuities

Please be on time for your pick-up - late arrivals from your departure time disrupts our operations significantly and is an inconvenience to other clients.

2 Hour West Coast Safari OR Safari and Beach Ride (tide dependent):

Minimum age requirement: 8 years.

Maximum weight restrictions: 120kgs.

Minimum number of guests per time slot: 1 Rider.

Maximum number of guests per time slot: 2-6 Riders, depending on rider abilities.

Saddles: Trail saddles

Horses: Arabs and Nooitgedachts.

Clients will be required to sign an indemnity upon arrival.

Rates include an experienced guide on the trail.

The guides will set the pace according to the ability of the slowest/inexperienced rider in the group. Should all riders in the group be experienced, the guides will allow trotting and cantering.

This is an adventure activity; therefore, we have a strict no drinking policy prior to the tour. We reserve the right to prevent guests suspected of alcohol consumption from joining the tour.

If you have any medical conditions and are unsure, consult with your doctor before booking.

Moms to be: We apologise – this tour is not for you while you are pregnant.

Riding hats are supplied and are compulsory but if you have your own, please bring it along.

It's best to wear long pants that are not too tight and closed shoes for your safety and comfort.

Itinerary Adjustments: We reserve the right to modify any part of the itinerary due to weather conditions and logistical considerations.

Meals and Beverages: The package does not include meals and beverages. You will have the opportunity to enjoy various local dining options during the journey. Please inform us of any dietary restrictions.

Exclusive Tours: All tours are led by your dedicated personal guide and include exclusive access to a private vehicle. However, it's important to note that activities, tastings, and visits to sightseeing establishments are not private experiences.

Optional Activities: While we strive to provide accurate pricing information for optional activities, please be aware that these rates may change.

We do not accept liability for personal injuries, fatalities, property damage, or any other losses that may occur due to accidents, cancellations, delays, or circumstances beyond our control. Participants are urged to obtain insurance coverage to protect against these potential risks.

Cancellations are valid only when received in writing from the participant.

Cancellation fees will be scaled as follows and are non-refundable:

31+ days prior to your scheduled activity/tour departure: 30% of the total fare.

0 - 30 days prior to your scheduled activity/tour departure: 100% of the total fare.

No-shows, late arrivals, or incomplete activities: 100% of the total fare.

Cancellation terms may vary during peak seasons.

If WE cancel the activity due to safety concerns (e.g., heavy rain, lightning, high winds, extreme heat), participants will have the option to reschedule or receive a refund for that specific outride, not for the entire booked package.

A full refund may be granted, at management’s discretion, upon proof of illness, hospitalization, accident, or death.