ntuc travel insurance claim review

Bad Experience with NTUC Income Travel Insurance

• Thread starter cut3han
• Start date Apr 30, 2020

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Senior member.

• Apr 30, 2020

Hi, I went for a cruise trip some time ago and bought NTUC travel insurance. My Nintendo Switch console was damaged as a result of mishandling of luggage. Cruise lines do not provide coverage for such matters, but I thought fortunately I have travel insurance I am able to claim for it. So the cruise line get me an incident report to file for a claim. Back in SG, I filed for the claim, its stated in NTUC travel insurance plan that the payout was up to $500 for damaged items in travel. So I thought this will be just a simple process. Boy was I wrong. Never did I expect NTUC income to be a bunch of jerks. Despite having a clear written report what are the faults, a quotation of repairs, plus original receipt given, NTUC income was insistent that I provide a damage diagnostic report, before they will process the claim. Harlow, the quotation of repairs already states very clearly what are the damages, what needs to be replaced, and what are the cost of repairs. What other info is needed on top of that? You don't know how to read or you got zero intelligence, NTUC? Most game shops, or even large retailers do not have your rocket scientist engineers to write up your detailed schematics or diagnostics, how the hell do you expect me to procure such a report for this? Even if there was such a service available, you'll be sure that kind of report aint gonna come cheap. The policy does not cover the costs of getting such a report. I could jolly well be spending a couple hundred bucks on getting this report, only for NTUC to tell me they can only allow me to claim 100 bucks. Does it even make sense? This is merely a $500 claimable item !! That just defeats the purpose of even buying the insurance, is it not? So, obviously NTUC rejected my claim, by alleging that i did not furnish "enough" documents for them. Yah, i'm sure i'm gonna get those, "you should know before buying NTUC", or the "NTUC is a business, insurers will definitely make it hard for you to claim" comments. But if you are in my shoes, are you not gonna feel the least bit frustrated? What is the point then of buying insurance when you are not at all insured, where you cannot even claim in the first place? Fine, if it is a fake claim, reject it and make it difficult by all means. But mine is a legitimate claim, my documents are already sufficient to prove the damages and cost to repair, why do you have to be such a dick and get anal over it? Of course, $500 is not too big a sum, I can move on from here. But if NTUC can be that much of a prick over a small claim like mine, you can imagine how they treat those medical and disability cases. Needless to say, I will be boycotting all NTUC income stuff and products in the future. You should too.  

battledome64

Master member.

Sorry to hijack, I also have an issue for travel cancellation due to Coronavirus. Now all policies specifically exclude it. I bought before the exclusion  

Arch-Supremacy Member

• May 1, 2020

Have you looked into working with CASE or FIDReC?  

Income is rubbish when it comes to claims, had a bad experience myself many years back. If u search the forum you will easily find handful of others with bad experiences of their own. I have told myself never to sign anything from Income no matter how cheap or attractive the offer. We have to spread the word. Insurance is useless if not claimable.  

Is this claim experience a norm for insurers who market themselves as “competitive” pricing? Something have to give when things are priced Low. But does it always have to be at the experience of consumers’ Claim experience?  

Tp101s said: Is this claim experience a norm for insurers who market themselves as “competitive” pricing? Something have to give when things are priced Low. But does it always have to be at the experience of consumers’ Claim experience? Click to expand...

Guys, thank you for your comments and suggestions. IMO, the business model NTUC Income practises is not so different from a scam. They make these fancy pitches of their policies yet they do not live up to their end of the bargain after they collected the premiums. If i just allow this issue to slip by, this is in fact emboldening them to continue to do this to other consumers as well. I don't want them to just get away with this. So I do intend to file a complaint on this matter to CASE / FIDREC or any other possible agencies. I have a legit claim. As long as I am able to demonstrate that I did indeed suffer losses as a result of my travel, and indicate clearly the damages and cost of repair, there is no valid reason why NTUC should reject paying simply by alleging there is the lack of this forensic pathologist "AUTOPSY" report that they constantly harp on. Of course $500 is not a big deal, but I feel this is a matter of principle. Also, I feel that this rejection NTUC is giving is a common pathetic excuse they employ often against their customers. They are out to make it as difficult and as troublesome as possible to deny claims whatsoever. Its relatively inexpensive to file a complaint, so I will do so and see how. I may not succeed, cos there might be some asinine fine print in the policy somewhere that NTUC will bring out to cover their arse later. So I am mentally prepared for this. There wont be a big loss to me even if this fails. But in a way I wanna see the extent how much of a twerp this organization can be, so I can do some effort to shame them. Just that now is the circuit breaker period, so that adds a layer of complication to go about doing this.  

oceanicmanta

Supremacy member.

Squaredot said: INCOME insurance travel insurance not cheapest in the market, I pay premium based on coverage details. So far I only made a claim for one trip cancellation. With hospital report, my claim was fast and easy. Now TS case shows us some claims are very difficult to be successful Click to expand...

oceanicmanta said: agree, I don't consider ntuc travel insurance pricing "competitive". never bought from them before regardless of insurer, i think it depends on what is being claimed ... i find "accidental damaged item" can get more scrutiny insurers also look at repair cost vs replacement cost vs depreciation etc $500 for such claim is large since it is the max claim under NTUC plan The $100 offer is probably for a "fully depreciated" item in NTUC's depreciation schedule ?? Click to expand...

cut3han said: Just to emphasize, $500 is the claim cap NTUC has for accidental damage during travel in the insurance package I bought. The quotation given to me by the retail shop is definitely within this $500 range. I am perfectly fine for NTUC to tell me that considering depreciation, they can just honour maybe $200 of the claim. That is perfectly reasonable. But to tell me that, oh because you don't have so & so report, then outright deny the claim, this is just a downright lowblow dickish move. Will you pay 200 bucks or more to get a report, only to get compensated back the same amount, or even lesser than that? Does that make sense to you? Then what is the point of buying insurance in the first place? How many times has NTUC gotten away from paying their customers with this cheapskate tactic? Click to expand...

• Nov 15, 2022

Anyone tried to claim air tickets cost from INCOME travel insurance due to tested positive 2 days before departure flight? Our airline is Scoot, air tix cost: ~$800 and we bought the top tier of the travel insurance plan. INCOME insisted on the letter of confirmation from the Airline stating that no refund is allowed for our flight, even though it was stated clearly on the Air Tickets receipt & Itinerary under the airfare rule "Cancellations, refunds and credits are not permitted" which we submitted during the claim application. It has been 1.5months and no response from Scoot when I requested for such letter. Anyone having the same issue?  

reddevil0728

Great supremacy member.

Merkava said: Anyone tried to claim air tickets cost from INCOME travel insurance due to tested positive 2 days before departure flight? Our airline is Scoot, air tix cost: ~$800 and we bought the top tier of the travel insurance plan. INCOME insisted on the letter of confirmation from the Airline stating that no refund is allowed for our flight, even though it was stated clearly on the Air Tickets receipt & Itinerary under the airfare rule "Cancellations, refunds and credits are not permitted" which we submitted during the claim application. It has been 1.5months and no response from Scoot when I requested for such letter. Anyone having the same issue? Click to expand...

reddevil0728 said: you got post on their social media? Click to expand...

Merkava said: Nope, I dun really post on social media. Does that helps? Btw u meant Scoot's social media right? Click to expand...

• Nov 16, 2022

Are insurance disputes eligible for Small Claims Court?  

BBCWatcher said: Are insurance disputes eligible for Small Claims Court? Click to expand...

Junior Member

• May 19, 2023

Merkava said: Anyone tried to claim air tickets cost from INCOME travel insurance due to tested positive 2 days before departure flight? Our airline is Scoot, air tix cost: ~$800 and we bought the top tier of the travel insurance plan. INCOME insisted on the letter of confirmation from the Airline stating that no refund is allowed for our flight, even though it was stated clearly on the Air Tickets receipt & Itinerary under the airfare rule "Cancellations, refunds and credits are not permitted" which we submitted during the claim application. It has been 1.5months and no response from Scoo Merkava said: Some may find it too much of a hassle, not sure if anyone has managed to? Click to expand...

Victoria56 said: Basically I find ntuc incomeshield staffs including sq not reasonable and come from a place they think bad of any large sum of claims submitted The incomeshield company are pioneer in shield and so many of us buy from them and now they are not reasonable.they impose a condition in my shield policy though I do not have that illness.they ask me to prove them wrong by paying specialist to complete their questionnaire though my regular physician told them I do not have such a Condition in a memo but the ntuc staff claim I have for past 12 years when I have never been admitted or treated for this condition in past 12 years .the ntuc incomeshield staffs not happy with that memo and said only a special can say that and forced me to pay 400 for the questionnaire.i did scan and xray that came up perfect to substantiate I do not have that condition but they send me a brief email saying review of questionnaire rejected and they cannot remove clause which makes no sense and very bizzare.Despite asking them for specific explaining why they rejected specialist questionnaire after making me pay so much to specialist the ntuc incomeshield staffs don't give proper reply.the ntuc incomeshield staffs appear vindictive by nature and their unreasonable conduct even when provided with all the documents they require make no sense.a lawyer I know in his 50s oftenv heart attack n heart diseases and he said income staffs pay his bills very fast within days though he admit in private hospital so I think the ntuc incomeshield pick the customer they can be difficult with as he is a lawyer Click to expand...

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• Income Travel Insurance: Is It a Good Deal?

• Covers pre-existing conditions
• Provides COVID-19 hospitalisation and evacuation coverage for certain countries
• Expensive, especially annual plans
• Low personal accident and medical benefits

Like many other insurers, NTUC Income offers three levels of travel insurance policies to cater to the tastes and budgets of all kinds of consumers. Ultimately, its plans tend to be priced quite close to the industry average and feature a medium degree of coverage in most areas with two main weak points. While Income's plans are priced fairly given the level of coverage provided, deal-seekers will not be particularly wowed. However, Income's travel insurance policies stand out because they are one of the only insurers in Singapore that cover pre-existing medical conditions.

Table of Contents

• Income Enhanced Travel Insurance: What You Need to Know
• Income Enhanced PreX Travel Insurance

Sports Coverage

Claims & contact information.

• Income Coverage & Benefits

NTUC Income Travel Insurance: What You Need to Know

NTUC Income's travel insurance plans are best for travellers who aren't price sensitive and want coverage for their pre-existing conditions. You can choose from 3 tiers of plans for both the Enhanced and Enhanced PreX plans: Classic, Deluxe and Preferred for the standard plans and PreX Basic, PreX Superior & PreX Prestige for the pre-ex coverage plans. We found that Income's single trip plans generally cost 15-30% below average compared to its competition, while its annual plans cost between average to 20% above average. For those prices, the coverage is more competitive when it comes to travel inconvenience benefits (cancellations, delays, luggage loss), but sinks to below average overseas medical and personal accident coverage.

NTUC Income offers the standard array of travel insurance benefits, ranging from medical and personal accident to trip inconvenience benefits like trip cancellation, postponement, delays and baggage loss. While most of the benefit limits are slightly below average, Income does boast above average limits for medical coverage in Singapore, trip delay and baggage loss coverage. However, these plans may fail to impress some types of travellers. For instance, Income's Basic plan provides average levels of coverage but won't impress budget travellers since its possible to find cheaper basic plans. The premium tier plan (Preferred) boasts above average coverage for a small amount of benefits, but won't stand out to travellers who equate premium-level plans with market beating coverage.

Income's annual policies cost above average for all 3 plans, so it won't be the best option for frequent travellers who are hoping to save on an annual travel insurance plan. However, as Income is the only insurer that is currently providing COVID-19 medical and hospitalisation coverage as long as you take the mandatory PCR test and test negative pre-departure and won't be travelling to a high-risk nation, it is the best option for travel during the COVID-19 period. Overall, Income's travel insurance plans are just enough for the average traveller and can provide sufficient additional coverage if that traveller needs coverage for pre-existing coverage. Otherwise, Income's Enhanced travel insurance plans may not sway budget travellers or travellers who like high levels of coverage.

Notable Exclusions

NTUC Income only covers pre-existing conditions if you purchase their Enhanced PreX plans. Besides that, the exclusions are pretty standard, including no cover for travelling for medical conditions, items lost or damaged while unattended, travelling to participate in professional or compensated sports, being a victim of war, riots, or rebellion and travelling against the advice of the Singapore Government.

NTUC Income Enhanced PreX Plans Travel Insurance

If you are not limited by budget and just want a plan that will give you ample protection for your pre-existing coverage, Income will be a good choice. However, budget travellers with pre-existing conditions may find Income to be an expensive option. We found that Income's PreX travel insurance plans cost around 3 times as much as Income's standard plans, making them quite expensive considering that Income isn't competitively priced to begin with. As one of the 3 insurers who provides extensive coverage for your pre-existing coverage, it settles somewhere in the middle, with MSIG's plans costing 10-22% less but Etiqa's Tiq plans costing around 15% more.

Besides the pricing, you should also consider the extent of Income's pre-existing coverage benefits. Its PreX plans also combine medical and emergency evacuation coverage under one limit, which brings down the value of these plans considerably (for instance, MSIG's PreX and Tiq's PreX plans have separate limits for medical and emergency evacuation, resulting in more coverage than Income). On the other hand, Income does let you claim for trip inconvenience (cancellations and postponement) due to your pre-existing conditions if you buy its Superior or Prestige plans, which can be a useful benefit for people who book their trips far in advance and have somewhat risky conditions. You should just be aware of the 50% copay you'll be responsible for should you use those benefits.

Income includes medical coverage for adventure and sports including skiing, scuba-diving, white water rafting and motorcycling. There's no golf coverage and no cover for extreme sports such as bungee jumping, skydiving and mountaineering.

Income lets you submit your claim online or via post. Both options require you to submit the proper documentation, which they list when you indicate the type of claim you want to submit. You should read the policy wording before buying the policy so you are aware of what you can and can't claim for.

Summary of NTUC Income Travel Insurance Benefits & Coverage

With so many options for travel insurance plans in Singapore, it's no wonder that picking the right one for your next business trip or holiday can seem like a daunting task. Below, we've compiled a summary of NTUC Income's premiums and coverage and how it compares to the industry average. If you'd like to learn more about how Income compares to other insurers, you can read our top picks for the best travel insurance plans in Singapore.

• Best Travel Insurance in Singapore
• Average Costs and Benefits of Travel Insurance
• How to Pick the Best Travel Insurance

Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.

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NTUC Income Travel Insurance Review: COVID-19 Coverage, Pre-existing Conditions, Premiums

• NTUC Travel Insurance: Summary
• NTUC Travel Insurance Coverage
• NTUC Travel Insurance Pre-Existing Conditions
• NTUC Travel Insurance COVID-19 Coverage
• NTUC Travel Insurance: Extreme Sports
• NTUC vs MSIG vs Etiqa Travel Insurance
• NTUC vs FWD Travel Insurance
• NTUC Travel Insurance vs Other Travel Insurers
• NTUC Travel Insurance Promo
• NTUC Travel Insurance Claim
• Should I buy NTUC Travel Insurance?

1. NTUC Travel Insurance Summary

• NTUC Travel Insurance Standard
• NTUC Income Enhanced PreX (covers pre-existing medical conditions)
• Classic/ Basic PreX
• Deluxe/ Superior PreX
• Preferred/ Prestige PreX (most expensive)
• ASEAN : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam
• Asia : Australia, China (no Mongolia, Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan, ASEAN
• Worldwide : All countries

2. NTUC Travel Insurance Coverage

3. ntuc travel insurance pre-existing conditions, ntuc enhanced prex travel insurance premiums and coverage:, 4. ntuc travel insurance covid-19 coverage, ntuc travel insurance's covid-19 coverage and benefits:, 5. ntuc travel insurance: extreme sports, 6. ntuc vs msig vs etiqa travel insurance, 7. ntuc vs fwd travel insurance, 8. ntuc travel insurance vs other travel insurers, 9. ntuc travel insurance promo, 10. ntuc travel insurance claim.

• Trip cancellation
• Trip shortening
• Travel delay
• Baggage delay
• Loss and damage of baggage or personal belongings

11. Conclusion: Should I buy NTUC Travel Insurance?

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Comprehensive Review of NTUC Travel Insurance: Coverage, Benefits, and More

NTUC Travel Insurance is a product offered by NTUC Income, a leading insurance provider in Singapore. Established in 1970, NTUC Income is dedicated to offering affordable, comprehensive, and accessible insurance coverage to individuals and families. Their travel insurance plans are tailored to safeguard travelers against a wide range of unexpected circumstances, ensuring peace of mind during their journeys.

Primary features and highlights

Primary features and highlights refer to the key characteristics and notable aspects of a subject. These are often the distinguishing factors and unique attributes that set it apart. Speaking of which, an NTUC travel insurance review typically focuses on these primary features and highlights, offering insights into how it stands out in the competitive insurance market. They can refer to an event’s main activities, a product’s exceptional features, or a service’s outstanding components.

In-Depth Review of NTUC Travel Insurance Coverage

Medical and accident coverage.

Medical and accident coverage is a type of insurance policy that helps cover medical expenses resulting from sudden illnesses or accidents. It offers financial assistance towards hospitalization costs, doctor’s fees, medication, and related health care services following an unexpected event.

Travel inconvenience benefits

Travel inconvenience benefits offer compensation for unexpected challenges encountered during a journey. These include flight delays, lost luggage, emergency accommodation needs, and medical emergencies. Such benefits alleviate stress, offering travelers peace of mind and financial security.

Baggage and personal effects protection

Baggage and personal effects protection is an important feature in travel insurance policies. It covers loss, theft, or damage to personal items during your transit or stay. This ensures secure travel experiences, granting peace of mind to travelers while on their journeys.

Extra coverage – Adventure Sports, Golf Equipment, etc.

Extra coverage options for adventure sports and golf equipment provide specialized protection for enthusiasts. These coverages ensure your gear is protected from theft or damage, and in the case of adventure sports, it covers potential accidents or injuries as well.

Overview of COVID-19 Coverage under NTUC Travel Insurance

NTUC Travel Insurance now includes coverage for COVID-19-related incidents for customers. This includes medical and hospitalization expenses incurred overseas due to infection. Additionally, cancellation and trip postponement benefits related to the virus are also part of the coverage.

Detailed benefits of NTUC Travel Insurance

Extended coverage options.

Extended coverage options provide additional insurance protection beyond standard policies. These options may cover unforeseen circumstances such as natural disasters, vandalism, or unexpected health issues. They may cost more, but offer increased peace of mind.

High claims limit

A high claims limit refers to the maximum amount an insurance company is willing to pay for a claim. It’s beneficial for policyholders as it provides extensive coverage, safeguarding against substantial financial losses caused by accidents, illnesses, or damages.

Access to 24/7 emergency assistance

With around-the-clock availability, 24/7 emergency assistance provides immediate help during urgent situations. Access to this service ensures safety at all times, regardless of when an emergency occurs. Thus, it promotes peace of mind and guarantees immediate response in crisis events.

Special benefits for family plans

Family plans offer special benefits such as discounted rates, shared data, and free add-ons for multiple lines. These plans may also include parental controls, unlimited talk and text, and exclusive family features enhancing connectivity and savings.

Option of pre-existing medical coverage

Pre-existing medical coverage is an insurance option that covers prior health conditions. It is vital for individuals with ongoing health issues as it ensures they receive necessary care and medication regardless of their health status at the onset of the policy.

Variety of Add-ons

Add-ons refer to optional features or enhancements that can be added to improve a basic product or service. They enhance functionality or offer customization options to suit the user’s unique needs, increasing product versatility and overall user experience.

Pricing and plan options

Pricing and plan options are vital considerations for any product or service. They provide flexibility and choice to customers, allowing them to select an option that best fits their budget and needs. Proper pricing strategies can significantly enhance market competitiveness.

Overview of different plans

Various plans encompass different objectives and strategies. They include business plans, marketing strategies, project timelines, and financial plans. These documents guide decision-making processes, outlining goals, expected outcomes, timeframes, and necessary resources for achieving predetermined objectives.

Cost comparison with other travel insurance

Comparing the cost with other travel insurance policies is crucial while purchasing travel insurance. The coverage, benefits, and exclusions differ among the policies, so comparing helps in choosing the best out of all financially feasible options.

Claims Procedures for NTUC Travel Insurance

General procedure for filing a claim.

The general procedure for filing a claim typically involves notifying the relevant authority or insurance company about the incident. Detailed documentation must then be gathered, supporting your claim. Afterward, a claim form must be filled and submitted, typically accompanied by the gathered documentation.

Typical claim processing time

Typical claim processing time varies across different industries. For insurance claims, it generally takes 30 days from filing the claim to receiving a payout. However, complex claims can require extended periods, sometimes up to 60 days or longer.

Common reasons for claim rejection

Claim rejections often result from errors in billing information, missing documentation, or procedural missteps. Insufficient evidence of medical necessity and delayed claims submissions are common reasons. In some instances, services may not be covered by an individual’s insurance policy.

NTUC Travel Insurance Customer Service

NTUC Travel Insurance Customer Service provides exceptional assistance to policyholders. They offer prompt responses and resolve issues efficaciously. Their well-trained staff are adept at answering queries and guiding customers through the intricacies of their travel coverages. This reinforces the trust and satisfaction of their clients.

Analysis of customer service quality

Analyzing customer service quality involves understanding customer interactions, expectations, and satisfaction levels. It includes measuring response times, query resolution efficiency, communication skills, and service delivery standards. Such analysis guides improvements, fostering loyalty, and ensuring customer retention.

Overview of customer feedback and reviews

Customer feedback and reviews are crucial tools in understanding customer satisfaction and their perception of a product or service. These insights help businesses improve their offerings, resolve issues, enhance customer experience, and foster brand loyalty. It shapes future strategic decisions and influences business growth.

The Upsides and Downsides of NTUC Travel Insurance

NTUC Travel Insurance offers comprehensive coverage spanning medical expenses, travel inconveniences, and personal accidents. It includes unique benefits such as overseas study interruption and safety measures against novel viruses. It’s customizable, offering varied plans to cater to unique travel needs.

While NTUC Travel Insurance boasts numerous advantages, there are some downsides to consider. One drawback is the potential for higher premiums compared to basic travel insurance plans offered by other providers. Despite its comprehensive coverage, the cost may be prohibitive for budget-conscious travelers. Additionally, while NTUC Travel Insurance offers customization options, the process of selecting and tailoring a plan to individual needs may be complex or time-consuming for some customers. Another disadvantage is that certain exclusions or limitations within the policy may not be immediately apparent, requiring careful scrutiny of the terms and conditions to fully understand the extent of coverage.

1. What is the best travel insurance?

The best travel insurance varies based on individual needs; however, NTUC Income is widely recognized for its comprehensive coverage. It covers medical emergencies, trip cancellations, and lost baggage, and offers 24/7 worldwide assistance, suitable for both leisure and adventurous travelers.

2. Does NTUC insurance cover in Malaysia?

NTUC Income’s travel insurance does cover trips to Malaysia and it includes coverage for medical expenses, trip cancellation, personal accident, and other travel inconveniences. It provides comprehensive coverage, offering peace of mind for travelers to the neighboring country.

3. What does travel insurance not cover?

Travel insurance typically does not cover incidents related to pre-existing medical conditions, extreme sports injuries, losses due to civil unrest, or cancellations due to personal reasons. It also often excludes coverage for pandemic-related disruptions or expenses.

4. When should I buy travel insurance?

You should consider buying travel insurance as soon as you book your trip. It will cover unforeseen circumstances such as trip cancellation, medical emergencies, or travel disruptions due to weather conditions, ensuring you’re financially protected.

Disclosure: This article is sponsored. The views expressed herein are solely those of the author. The content presented is for informational purposes and may not necessarily represent the viewpoints or opinions of Spring Tomorrow.

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NTUC Income Travel Insurance review: Covid-19 coverage, pre-existing conditions, premiums

Asia One · 2023-12-14 12:10

What do you think of when you hear the acronym "NTUC"? The FairPrice supermarket, of course, said every self-respecting auntie ever. But frequent travellers might also think of NTUC Income's popular travel insurance plan since they are one of Singapore's biggest travel insurance providers.

However, NTUC Income travel insurance plans also have a reputation for being expensive. Some internet users have also complained that it is difficult to make claims.

Are these rumours true? Let's find out once and for all.

1. NTUC travel insurance summary

NTUC Income has two travel insurance plans:

NTUC Travel Insurance Standard

NTUC Income Enhanced PreX (covers pre-existing medical conditions)

Each travel insurance plan is then further sub-divided into three plan tiers which provide different amounts of coverage:

Classic/ Basic PreX

Deluxe/ Superior PreX

Preferred/ Prestige PreX (most expensive)

The premiums you will pay for your travel insurance plan largely depend on the country you’re travelling to. Usually, the further your country of destination, the more expensive your travel insurance plan will be. Here are the countries that are covered by NTUC travel insurance:

Asean: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam

Asia: Australia, China (no Mongolia, Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan, ASEAN

Worldwide: All countries

Countries not covered: Afghanistan, Iraq, Liberia, Sudan, Syria

2. NTUC travel insurance coverage

Here’s a quick look at the premiums and coverage for the NTUC Travel Insurance Standard plans:

NTUC Travel Insurance Classic Deluxe Preferred

Price  (Asean) $61/week $75/week $98/week

Price (Asia) $70/week $88/week $122/week

Price (Worldwide) $137/week $156/week $195/week

Overseas medical expenses $250,000 $500,000 $1,000,000

Emergency medical evacuation $500,000 Unlimited Unlimited

Personal accident (death, TPD) $150,000 $200,000 $500,000

Travel delay ($100/6 hours) $1,000 $1,500 $2,000

Trip cancellation $5,000 $10,000 $15,000

Baggage delay ($200/6 hours) $1,000 $1,200 $2,000

Baggage loss $3,000 $5,000 $8,000

Sports & Adventure Some (Scuba diving, hiking, skiing covered)

Covid-19 Yes

At $250,000 to $1,000,000, NTUC travel insurance's overseas medical coverage is generous compared to some of its competitors such as Sompo Travel Insurance's $200,000 to $400,000 overseas medical limit.

However, do note that emergency medical evacuation shares the same overseas medical expense claim limit for adults aged 70 and over — which may not be sufficient if you are in that age range, run into an adverse medical situation abroad, and require both immediate treatment and a medical flight home to Singapore. If medical coverage is important to you, FWD Travel Insurance offers unlimited medical evacuation and repatriation coverage.

One great advantage of NTUC Income's travel insurance is the high trip cancellation coverage ranging from $5,000 to $15,000. Other travel insurance providers might not be so generous. For instance, Great Eastern is offering $2,000 to $15,000, while AIG offers $2,500 to $15,000.

3. NTUC travel insurance pre-existing conditions

NTUC Income is one of the few insurers in Singapore that provide comprehensive travel insurance plans that cover pre-existing medical conditions, such as asthma, eczema, diabetes, high blood pressure, even heart disease. The other two that cover pre-existing conditions are MSIG travel insurance and Etiqa travel insurance.

The most obvious difference between a Pre-Ex travel insurance plan and a regular travel insurance plan is, of course, price. The cheapest NTUC PreX plan costs over twice the price of a regular NTUC travel insurance plan!

For those who have major health problems, you don't have much of a choice. There's no point buying a cheap normal insurance with no coverage for you at all because you definitely will not be able to claim medical expenses, evacuation costs or travel delays linked to a flare-up of your condition.

It is especially worth the money if your condition is either life-threatening or very expensive to treat overseas.

However, if you have a condition that's pure suffering not immediately life-threatening, such as eczema, then it is your choice whether you want to spend more on Pre-Ex travel insurance for better coverage.

It's important to look at the coverage limits if you're seriously considering pre-existing travel insurance. Why? If you're travelling to somewhere with really expensive healthcare, like Europe or the US, you might want to upgrade to the Enhanced PreX Prestige plan.

NTUC Enhanced PreX travel insurance premiums and coverage:

NTUC Enhanced PreX Travel Insurance Basic PreX Superior PreX Prestige PreX

Price (ASEAN) $102/week $128/week $149/week

Price (Asia) $121/week $156/week $183/week

Price (Worldwide) $194/week $240/week $277/week

Overseas medical expenses $500,000 $500,000 $1,000,000

Emergency medical evacuation Unlimited Unlimited Unlimited

Personal accident (death, TPD) $200,000 $200,000 $500,000

Travel delay ($100/6 hours) $1,500 $1,500 $2,000

Trip cancellation $10,000 $10,000 $15,000

Trip postponement $1,000 $1,000 $2,000

Baggage delay ($200/6 hours) $1,200 $1,200 $2,000

Baggage loss $5,000 $5,000 $8,000

Sports & Adventure Limited (scuba diving, hiking, skiing covered)

Is NTUC's travel insurance for pre-existing medical conditions any good? For one, NTUC PreX travel insurance covers Covid-19 while MSIG Pre-Ex and Etiqa Pre-Ex don't cover you for Covid-19. So, if you want both pre-existing medical conditions and Covid-19 coverage in your travel insurance, NTUC Enhanced PreX is your only choice.

Even though NTUC Pre-Ex travel insurance offers you Covid-19 coverage, the downside is that they've lowered the medical benefits you get if you're aged 70 and above.

For example, for those aged 70 and above NTUC PreX's overseas medical and emergency medical evacuation coverage share a total claim limit of $500,000 for its basic plan tier (as opposed to up to $250,000 in overseas medical expenses and $500,000 in medical evacuation coverage for under 70s).

By comparison, MSIG Pre-Ex basic offers $250,000 / $50,000 medical (below 70 / above 70) and $1,000,000 evacuation regardless of age, while Etiqa Pre-Ex basic offers $200,000 medical and $1,000,000 evacuation and repatriation of mortal remains.

Otherwise, NTUC PreX's miscellaneous trip cancellation and baggage delay benefits are pretty good.

4. NTUC travel insurance Covid-19 coverage

Whether you buy an NTUC Travel Insurance Standard or an NTUC Enhanced PreX Travel Insurance plan, you'll be relieved to know that all NTUC travel insurance plans automatically come with Covid-19 coverage.

You won't find the Covid-19 coverage table in the usual NTUC travel insurance policy wording. Instead, there's a separate NTUC travel insurance Covid-19 policy wording document that you should refer to.

NTUC travel insurance's Covid-19 coverage and benefits:

NTUC Travel Insurance Covid Coverage (covers PreX)

Trip cancellation $2,000

Trip postponement $2,000

Trip shortening $2,000

Trip disruption $1,000

Medical expenses overseas $150,000

Emergency medical evacuation $150,000

Overseas quarantine allowance ($100/day)   $1,400

Few of us really scrutinise the individual coverage limits on our travel insurance, trusting that they do cover the bare essentials.

The good news is that NTUC travel insurance's Covid-19 extension is simple, and adequate. Take Covid-19 overseas medical coverage for example, NTUC offers $150,000 while MSIG' basic plan offers $75,000. Then, there's overseas Covid-19 quarantine cash allowance, which NTUC gives $100 per day, up to $1,400, but Etiqa's basic plan offers $100 per day, up to $500 only.

5. NTUC travel insurance: Extreme sports

Since our last review in July 2022, NTUC has updated its Travel Insurance policy to include more common vacation activities like scuba diving and skiing.

Nevertheless, extreme thrill seekers may want to go for a more lenient insurance provider such as Direct Asia travel insurance, which properly covers extreme sports and martial arts.

Extreme Sports & Outdoor Adventure NTUC Travel Insurance

Hot air balloon Not stated

Scuba diving Yes (up to 30m)

Skiing and other ice/snow sports Yes

Hiking or trekking Yes (up to 4,000m)

Mountaineering or outdoor rock climbing No (but man-made walls are ok)

Marathons and other competitions Yes

Jet skiing Not stated

White water rafting Yes

Skydiving Yes

Paragliding, hang gliding or parachuting Yes

Bungee jumping Yes

To be honest, NTUC Travel Insurance is adequate if you're looking to snorkel or join a guided tour group with a licensed outdoor adventure operator. But if you’re a hardcore adrenaline junkie… you might want to look around instead.

6. NTUC vs MSIG vs Etiqa travel insurance

If you’re considering NTUC travel insurance, you should be comparing it against established household insurance providers such as MSIG and Etiqa.

  NTUC Travel Insurance MSIG Travel Insurance Etiqa Travel Insurance

Price (per week) $61 – $195 $62 – $208.50 $58-280

Covid-19 (per week) Included Included Included (non pre-ex plans only)

Medical Expenses (Overseas) $250,000 – $1,000,000 $250,000 – $1,000,000 $200,000 – $2,500,000

Emergency Medical Evacuation $500,000 – unlimited $1,000,000 $500,000 – Unlimited

Trip Cancellation $5,000 – $15,000 $5,000 – $15,000 $5,000 – $15,000

Baggage Loss $3,000 – $8,000 $3,000 – $7,500 $3,000 – $10,000

All 3 insurers, NTUC, MSIG, and Etiqa offer Covid-19 coverage in their travel insurance plans automatically. Other plans that include automatic Covid-19 coverage include Starr TraveLead Comprehensive, Bubblegum Travel Insurance, Singlife Travel Insurance and DBS Chubb Travel Insurance.

In terms of overseas medical expenses, MSIG offers comparable coverage to NTUC's travel insurance. When it comes to other travel and logistics-related coverage such as trip cancellation and baggage loss, NTUC and MSIG travel insurance plans' coverage are also pretty much on par.

All things considered, NTUC and MSIG travel insurance plans are shockingly similar and competitive. A key difference is emergency medical evacuation coverage for people aged 70 and over-NTUC travel insurance parks that under the overseas medical expense limit.

7. NTUC vs FWD travel insurance

When you pit NTUC travel insurance against one of the most popular "budget" travel insurance providers, FWD, you'll realise that the travel insurance offerings are very similar and competitive.

  NTUC Travel Insurance FWD Travel Insurance

Price (per week) $61 – $195 $31.50 – $101.62

Covid-19 (per week) Included $11.39 – $20.04

Medical Expenses (Overseas) $250,000 – $1,000,000 $200,000 – $1,000,000

Emergency Medical Evacuation $500,000 – Unlimited Unlimited

Trip Cancellation $5,000 – $15,000 $7,500 – $15,000

Baggage Loss $3,000 – $8,000 $3,000 – $7,500

Between NTUC travel insurance and FWD travel insurance, coverage is actually largely on par if you're considering a basic travel insurance plan with Covid-19 coverage. However, FWD's prices are lower even if you purchase the Covid-19 add-on.

8. NTUC travel insurance vs other travel insurers

At a glance, here’s how NTUC Income's travel insurance stacks up compared to the other major travel insurers in Singapore.

NTUC Travel Insurance MSIG Travel Insurance Etiqa Travel Insurance FWD Travel Insurance Starr Travel Insurance Direct Asia Travel Insurance AIG Travel Insurance Allianz Travel Insurance Bubblegum Travel Insurance

Price (per week) $61 – $195 $62 – $208.50 $58-280 $31.50 – $101.62 $20.40-$48 $35-$98.08 $34-$187 $64-$237 $42.12-$52.65

Covid-19 (per week) Included Included Included $11.39 – $20.04 Included $13.73-$31.70 Included Included Included

Medical Expenses (Overseas) $250,000 – $1,000,000 $250,000 – $1,000,000 $200,000 – $2,500,000 $200,000 – $1,000,000 $200,000-$1,000,000 $150,000-$500,000 $100,000-$2,500,000 $250,000-$1,000,000 $150,000

Emergency Medical Evacuation $500,000 – unlimited $1,000,000 $500,000 – Unlimited Unlimited Unlimited $1,500,000 $50,000-Unlimited $1,000,000 Unlimited

Trip Cancellation $5,000 – $15,000 $5,000 – $15,000 $5,000 – $15,000 $7,500 – $15,000 Optional add-on $3,000-$15,000 $5,000-$15,000 $5,000-$10,000 $5,000

Baggage Loss $3,000 – $8,000 $3,000 – $7,500 $3,000 – $10,000 $3,000 – $7,500 Optional add-on $1,000-$5,000 $3,000-$10,000 $1,500-$5,000 $3,000

9. NTUC travel insurance promo

Even though many Singaporeans probably don't mind paying more for NTUC travel insurance just because it's a household brand name, their travel insurance plans are actually pretty expensive.

However, with ongoing promotions like the current 45 per cent discount promo, it can be value for money. All standard per-trip plans qualify for the promo.  For example, if you wanted to go temple-hopping for a week in Myanmar, the cheapest Classic plan would cost just $33.55 after the discount. Here are the premiums you'll be paying with the current 45 per cent discount promo:

NTUC Travel Insurance (45per cent discount) Classic Deluxe Preferred

Price  (Asean) $33.55/week $41.25/week $53.90/week

Price (Asia) $38.50/week $48.40/week $67.10/week

Price (Worldwide) $75.35/week $85.80/week $107.25/week

In addition, Income is offering an additional 15per cent off Enhanced PreX per-trip plans with complimentary personal accident coverage for six months.

10. NTUC travel insurance claim

If you follow insurance threads on forums or even talk to your friends about insurance claims over kopi, you might have gotten wind of NTUC Income's bad claims reputation. 

Unfortunately, online forums such as Hardwarezone and Reddit are full of similar stories from users claiming that their NTUC insurance claims were slow, long-drawn-out and plagued with difficulties. According to the users' NTUC claim experiences, there was a lot of emphasis on the need for original invoices to be submitted.

To be fair, between these nasty stories, you'll also find users who managed to claim from NTUC insurance smoothly and received their cheques in the mail.

So, how do you make a claim? Your first port of call should be to get in touch with NTUC Income ASAP.

NTUC Travel Insurance Emergency hotline: Call the NTUC emergency assistance hotline at +65 6788 6616

Here's where it gets confusing. You have to identify the type of claim that you're making and the "correct" way to submit it. Super important: all claims must be made within 30 days of the event or incident.

NTUC Travel insurance online claims: Submit NTUC travel insurance claims online with supporting documents such as invoice, flight itinerary, police report, etc. through their website. You can do so for the following benefits:

Trip cancellation

Trip shortening

Travel delay

Baggage delay

Loss and damage of baggage or personal belongings

NTUC Hard copy claims: For medical expenses, you need to fill in the NTUC travel insurance claim form and drop off the hard copy form with the supporting documents such as hospital bill, medical report, boarding pass, etc. at an NTUC Income branch.

NTUC Email claims: For claims that do not involve travel inconveniences (see above) and medical expenses (see above), you’ll need to fill in the NTUC travel insurance claim form digitally, and email it together with your supporting documents to [email protected]. Include your travel policy number in the subject line.

NTUC Claims settlement time: If there is no dispute, NTUC Income will settle your claims within 10 working days or longer during high-volume travel periods like school holidays.

11. Conclusion: Should I buy NTUC travel insurance?

NTUC travel insurance isn't the absolute cheapest around, but their regular travel insurance plans are very affordable and value for money when there's a 45 per cent promotion going on.

However, just because it's a brand name doesn't mean that their coverage is the highest in town, especially when you compare it with newcomers like FWD. That's not a problem for most travellers though, unless you're going to a super expensive country or encounter some unusual scenario.

For most Singaporeans who just want to eat, chill and relax on holiday, NTUC travel insurance is more than adequate especially as it also provides Covid-19 coverage. However, daredevils should take note that it does not cover more thrilling activities like mountaineering and other extreme sports.

If you have a pre-existing medical condition, NTUC Enhanced PreX is one of the very few travel insurance options suitable for you. It is pricey for sure, but probably worth the money if you have a life-threatening condition like asthma or heart disease. Make sure that the plan is sufficient to cover your overseas expenses and/or evacuation.

This article was first published in MoneySmart .

Travel Insurance NTUC

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Key Features of the NTUC Income’s Travel Insurance Plan

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6 Best Travel Insurance When Flying From Singapore (2024 Update)

After a multi-year pandemic, travel – especially for leisure – is finally returning to pre-pandemic levels. That means it’s time to look into travel insurance again, especially given that some countries require it before they’ll issue you a visa.

The right coverage will give you and your family at least a little peace of mind as you plan your vacation.

But what’s the best travel insurance package for you? We’ll get into that today, covering:

• What to look out for in your travel insurance
• An overview of popular travel insurance packages available
• Our top 6 choices for travel insurance and why

How to Choose a Travel Insurance Package

If you’re a seasoned traveller, you already know that price isn’t the only consideration. You get what you pay for, after all. Here are five things to look out for before you decide on a travel insurance provider:

• COVID-19 Coverage. Most insurers these days automatically include COVID-19 coverage, but the degree of coverage differs. Some offer barely enough to cover your medical expenses, while others don’t cover COVID-related trip cancellations or curtailments.
• Coverage for personal items. If your laptop is damaged or you lose any pricey personal belongings, you’ll want to know that your insurance can cover that cost.
• Coverage for travel or baggage delays. These can throw a wrench into your itinerary, especially for short trips.
• Ease of claims. This is why it’s not a good idea to pick insurance purely based on cost. You can check customer reviews to get an idea of the provider’s service quality.
• Coverage for activities. If you’re planning a skiing trip or any potentially risky activities, it’s good to check that your policy covers any accidents. 

6 Best Travel Insurance Packages

We chose each of the following packages because they stand out in their own ways, whether it’s for comprehensive coverage for pre-existing conditions, the best coverage for COVID-19, or the best value for short holidays.

We haven’t omitted any for low coverage in specific areas – e.g. trip inconvenience – as these depend on the traveller’s needs. However, we’ve left out providers with largely poor reviews – this list only features insurers with decent customer service. (That said, no provider has a perfect reputation!)

Here are our top picks:

1. AIG Travel Guard

AIG Travel Guard

AIG has a good balance of pricing, coverage, and responsiveness to claims – whether you’re claiming for missing baggage, an injury, or a sickness you contracted overseas. We’d recommend getting the Standard policy at minimum, as the Basic policy has many gaps.

Their COVID-19 coverage also includes an overseas quarantine allowance in the event you’re confined to a hotel while travelling. Many policies with automatic COVID-19 coverage leave this out.

Current promotion: Receive up to S$188 PayNow Score. (Valid until 31 March 2024) Click to apply .

Promotion criteria:

• Single Trip:  Receive up to S$68 PayNow! (minimum premium S$100)
• Annual Trip:  Receive S$188 PayNow! (minimum premium S$650)

2. DBS TravellerShield Plus

DBS Traveller Shield

Underwritten by Chubb, the DBS TravellerShield Plus is a jack of all trades. It sits in the middle of the price range and offers average coverage for all the standard categories. Overall, it’s a well-rounded package.

There are two things of note with the TravellerShield Plus, though:

• You can add coverage for pre-existing conditions
• Its trip inconvenience coverage is higher than similarly-priced offerings

So if either of those holds more importance for you, this may be a good fit.

Read also : AXA Travel Insurance Review – Pricey, But Worth It?

You may have heard of FWD for its inexpensive, straightforward plans. Most people report that everything from getting a quote to filing claims is a smooth, convenient process that you can complete entirely online.

The downside is that FWD doesn’t have automatic COVID-19 coverage: you’ll have to purchase an add-on if you need it. Its trip inconvenience coverage is also far lower than the market average, though this may be inconsequential for backpackers or light travellers with flexible itineraries.

If cost and reliability are your main concerns, FWD is a great option to consider.

Current promotion: Receive 8 Max Miles for every dollar spent or score an Airalo eSIM with up to 1GB data (minimum premium S$60) + Receive an Apple AirTag worth S$45 with no minimum premium

Promotion Criteria:

• Promotion valid until 25 March 2024. Click to apply .

4. MSIG TravelEasy

MSIG Travel Easy

Above-average coverage at midrange pricing: that’s what you’ll get with MSIG. This insurer also seems to take pride in their service. Most customers report smooth, fuss-free purchasing and claims processes.

And on top of higher COVID-19 and adventurous activities coverage, TravelEasy also insures wedding clothing – in case you’re planning your prenuptial photoshoot abroad.

Go for at least the Elite plan if you want cover for adventurous activities and/or wedding clothing and accessories. The Standard plan leaves out benefits like credit card fraud protection, golfer’s cover, and rental vehicle excess.

Current promotion: Get up to S$40 Grab Voucher + Receive an Apple AirTag worth S$45 with no minimum premium. Click to apply .

• Premium Size: S$65 – S$119.99: S$12 Grab Vouchers
• Premium Size: S$120 – S$239.99: S$20 Grab Vouchers
• Premium Size: S$240 and above: S$40 Grab Vouchers
• Receive an Apple AirTag worth S$45 with no minimum premium (Valid until 25 March 2024)

5. NTUC Income

NTUC Income

Most plans covering pre-existing conditions exclude COVID-19 coverage, since the risks multiply exponentially when someone with comorbidities catches the virus. Still, that leaves you out of luck if you happen to have a pre-existing condition and want to tour the world.

That’s why NTUC Income is a strong contender: they cover both pre-existing conditions and pandemic-related claims. You’ll have to purchase a yearly plan if you want coverage for both, and each trip must be no more than 30 calendar days long.

6. Tiq by Etiqa

Tiq by Etiqa

A member of the Maybank Group, Etiqa Insurance offers  a range of insurance products, including travel insurance, car insurance, and personal accident insurance.

Understandably, plans that cover pre-existing conditions charge a premium for doing so. That’s the case with Tiq travel insurance as well: you’ll pay more than double in premiums if you check the box indicating that you’ve got a pre-existing condition.

Still, Tiq manages to keep its plans affordable. The single trip Pre-Ex plans are priced $5 – 25 cheaper than MSIG’s policies .

And even if you have no need for Pre-Ex coverage, Tiq’s regular travel insurance plans also offer great value at wallet-friendly prices. Just note that the plans don’t include COVID-19 coverage by default, so you’ll have to purchase a rather costly add-on if you need it.

Current promotion: Receive an Apple AirTag worth S$45 with no minimum premium

Summary Table of Travel Insurance Providers

For the price quotations, we’ve used a hypothetical scenario of:

• A solo traveller in his/her 30’s
• An 8-day trip to Australia
• At least $200,000 in overseas medical coverage (or the closest available package)

These starting prices are accurate as of 14 Aug 2023.

• Entertainment

Travel insurance review: Is MSIG travel insurance worth it?

MSIG travel insurance is one of the most popular brands in Singapore and is second only to NTUC (impressive!). That’s probably because MSIG used to be the provider of DBS travel insurance .

DBS might have since changed their provider to Chubb, but that doesn’t mean that MSIG travel insurance isn’t solid. Let’s have a look at whether MSIG TravelEasy is worth your money.

MSIG travel insurance at a glance

Here’s a quick look at the three tiers of MSIG TravelEasy insurance plans , the Covid-19 extension as well as the TravelEasy Pre-Ex plans:

Here’s a summary of the Covid-19 extension that applies to single trip policies:

And here are the TravelEasy PreX travel insurance plans, which cover pre-existing medical conditions:

MSIG travel insurance promotions

Though the listed prices of MSIG travel insurance plans seem pretty hefty at first glance, there’s almost always a promotion to keep their prices competitive, like the current 40 per cent discount off single trip plans.

That means if you get an MSIG TravelEasy Standard plan for a week in Asean, it’d only set you back $34.20. That’s quite a steal.

To see what’s on, just click or tap on the “Promotions” tab on the MSIG travel insurance page .

As long as the 40 per cent promotion is on, I’d say it’s worth it to buy travel insurance from MSIG. The price is really competitive against the likes of NTUC Income, Aviva and FWD.

ALSO READ:  What to look out for when buying travel insurance in Singapore (2022)

What does MSIG travel insurance cover?

Overall, MSIG’s travel insurance coverage is pretty adequate. The Standard plan has a slightly low coverage limit for emergency evacuation, and the payout for baggage delays is lower than standard, but those aren’t dealbreakers.

But the important thing to note is that the cheapest Standard plan is limited in coverage if you’re planning anything more than a normal sedate city getaway. It doesn’t cover most outdoor activities, even basic ones like skiing and scuba diving.

So you might want to opt for an Elite (or even Premier) plan for better and wider coverage. These higher tier plans cover a whole slew of outdoor activities, including the common ones listed here:

The Elite & Premier plans also cover loss of wedding-related items (so it’s good for wedding photoshoots or destination weddings) and entertainment/sports tickets (so get this if you plan to go to a festival or watch a major football match).

However, another drawback of MSIG’s travel insurance policies is the limited coverage of its Covid-19 extension. It’s payout of $65,000 for overseas medical fees due to Covid-19 falls short of other policies which offer $100,000 and upwards in claims. It also won’t do very much for you in the event of travel inconveniences caused by the pandemic.

MSIG travel insurance claim procedure

Emergency hotline: Call the MSIG emergency assistance hotline at +65 6323 8288

Phone claims: For non-emergency but urgent claim requests, call MSIG’s Claims Hotline at +65 6827 7660. A claims officer will be in touch with you to handle your case.

Online claims: Submit your claim and supporting documents through the online form (linked on   MSIG’s travel insurance claims page ). Or you can download it and email MSIG at [email protected]

Hard copy claims: You can submit your claim in person or mail it to MSIG, 4 Shenton Way, #21-01 SGX Centre 2, Singapore 068807.

Things to note: Refer to MSIG’s travel insurance claims page for instructions and a useful checklist of required documents before you make a claim. There’s also a chatbot with whom you can check on your eligibility for certain claims.

MSIG prides itself on a good claims experience, with personalised, responsive claims specialists attending to your requests. They typically settle straightforward claims within two to three weeks. Expect some delays during peak travel periods like school holidays.

Conclusion: should you buy MSIG travel insurance?

If you just look at its cheapest Standard plan, MSIG travel insurance is extremely affordable after the generous promotional discounts.

The level of support and clarity MSIG provides is also reassuring. Terms & conditions are clearly stated on the site, not hidden away in some remote PDF, and the claims process appears to be pleasant. Basically, it looks like MSIG knows their stuff.

However, the drawback is that MSIG has made the Standard plan very limited in comparison to the Elite and Premier plans. Once you compare their coverage, you will definitely feel tempted to upgrade. It’s a bit like how budget airlines compel you to add a bundle on to your basic-ass air ticket. Another thing to have in mind is that their Covid-19 extension is not the most comprehensive in its coverage. 

However, if you’re vaccinated and in the pink of health and are buying from MSIG, it is worthwhile to pay a bit more for Elite if you’re taking part in outdoor activities, a wedding shoot or catching some kind of music or sports event overseas. As a bonus, you get higher coverage limits too. 

ALSO READ:  Travel insurance: Promo codes for 2022 and 7 more ways to save on it

This article was first published in MoneySmart .

Direct Asia Travel Insurance Review: Covid Coverage, Claims, Promo Code (2022)

When it comes to offering the cheapest travel insurance in Singapore, the fight to the bottom continues… and Direct Asia travel insurance is one of the more popular budget travel insurance providers that immediately comes to mind.

The premise of Direct Asia is that they sell you insurance benefits directly so you’re not paying anything extra.

If I’ve learnt one thing from going budget, it’s that you must read the product labels or descriptions to find out what you’re really paying for.

So, is Direct Asia travel insurance worth considering for your next holiday? Or should you still buy from the usual few AIG travel insurance , FWD travel insurance , AXA , and NTUC ? Let’s check them out.

• Direct Asia Travel Insurance Summary
• Direct Asia Travel Insurance Covid Coverage
• Extreme Sports and Outdoor Adventure
• Direct Asia Travel Insurance Terms and Conditions
• Direct Asia Travel Insurance Claim Review
• Direct Asia vs FWD Travel Insurance
• Direct Asia Travel Insurance Promotion
• Direct Asia Travel Insurance Review

1. Direct Asia Travel Insurance: Summary

Before we even get into the travel insurance plans, we know what you’re thinking: Is Direct Asia safe? Yes.

We’ve asked the same question in our heads before. Let’s answer your question: Direct Asia is owned by a Bermuda-based insurance provider called Hiscox.

Where is Bermuda? It’s an island owned by the United Kingdom in the middle of the North Atlantic Ocean, somewhere under New York City.

Is Hiscox insurance legit as well? Yes, Hiscox is very legit. It’s listed on the London Stock Exchange (LSE:HSX) and is part of the FTSE 250 Index. And, the company has been around since 1901.

Anyway, coming back to travel insurance.

Direct Asia’s travel insurance plan comes in annual multi-trip and single-trip plans, the latter which has 3 tiers for you to choose from:

• DA150 (cheapest)
• DA1000 (most expensive, not covering in this review)

The price of your Direct Asia travel insurance is largely determined by the country you’re travelling to. Like most of the travel insurance plans you’ll find in Singapore, Direct Asia’s travel insurance premiums are divided into 3 categories:

• ASEAN : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam
• Asia : Australia, China (excluding Tibet and Mongolia), Hong Kong SAR, India, Japan, South Korea, Macau, New Zealand, Sri Lanka, Taiwan
• Worldwide: All countries (except Afghanistan, Iran, Iraq, Libya, Nepal, North Korea, Sudan, Syria, Democratic Republic of Congo, Somalia, Yemen)

Here, a summary table of the key coverage and benefits you’ll get from Direct Asia travel insurance:

Is Direct Asia’s travel insurance good? Compared to AIA travel insurance ($37 to $123/week), Great Eastern travel insurance ($26 to $118/week), MSIG travel insurance ($61 to $201/week), Direct Asia’s travel insurance is pretty cheap at $35 to $94/week.

Cheap is one thing. But is it value for money or not?

Direct Asia’s lowest tier DA150 travel insurance offers overall adequate coverage all round, but it’s far from impressive. For example, the $150,000 limit on overseas medical expenses is a little low compared to FWD ’s and NTUC travel insurance ‘s basic plans which offer $200,000 and $250,000 respectively.

Total Premium

DirectAsia DA200

[Win a Rolex, Dream Vacation & More! | MoneySmart Exclusive]   • Enjoy 40% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$20  via PayNow with eligible premiums spent.  T&Cs apply.   BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw. • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)   Increase your chances of winning when you refer friends  today. T&Cs apply.

Key Features

Kids go free – up to four kids travel for free with a Family policy only (2 adults)

Matching kids limits – children enjoy the same coverage limits as adults

Optional coverage for Sports Equipment & Extreme Sports are only available for Annual Policies

Optional coverage for Single Trip Travel Insurance: Maid and COVID-19.

Emergency Dental – Accidental Dental treatment can be costly, so it is covered under the main medical expenses coverage which is higher than a separate dental benefit

If you’re thinking of upgrading to a better DA200 and DA500 plan because I mentioned earlier that Direct Asia travel insurance’s prices are quite cheap… don’t be fooled!

When you look at the coverage, the most expensive DA500 is closer to a typical 2nd tier travel insurance plan that other competitors are offering. Which means DA200 is actually kind of in-between basic and middle tier. It looks like a good deal, but it’s not really that value for money.

2. Direct Asia Travel Insurance Covid-19 Coverage

Don’t go around assuming that all travel insurance plans in Singapore have Covid-19 coverage included. Yes, bigger insurance companies such as AIA travel insurance , AIG travel insurance , and Sompo have got Covid-19 coverage included in all of their plans.

However, several other insurers such as FWD and  Direct Asia’s travel insurance plans  do not include Covid-19 coverage by default.

Instead, you’ll need to add on Covid-19 rider  from their ala carte menu. Here are the Covid-19 benefits you’ll get from the add-on:

Unfortunately, Direct Asia travel insurance’s Covid-19 coverage is not the most adequate for your travels.

You can claim up to $3,000 for any trip cancellation or disruption in the event you test Covid positive pre-trip or during your trip. If you test Covid-19 positive prior to departure and want to postpone your trip, you won’t be covered.

You get a sufficient $150,000 for Covid-19 medical expenses overseas, and another $100,000 for emergency medical evacuation or repatriation of your body – which may not be sufficient if you’re terribly ill in a far away country, such as the United States.

Take for example, if you are going to Seoul and buy the most basic Direct Asia DA150 plan at $43.75 for 7 days. You throw in another $27.40 for the Covid-19 add-on. That makes your total premium $71.15 for a basic tier travel insurance plan.

$43.75 + $27.40 = $71.15 for 7 days in Seoul

For the $70 price range,  there’s  Sompo’s Essential travel insurance plan  ($72/week) which offers more benefits such as Covid-19 hospitalisation and quarantine daily cash allowance, or  MSIG Standard travel insurance plan ($74/week) with higher trip shortening, cancellation, and postponement coverage.

Sompo Travel Insurance Essential

Common travel insurance benefits such as personal accident, medical expenses overseas, travel delay, loss of personal belongings.

Protection against hefty overseas medical expenses, trip cancellation costs and other essential coverage if you are diagnosed with COVID-19

MSIG TravelEasy Standard

[Receive your cash as fast as 30 days*]   •  Enjoy up to   40% off  your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. •  Additionally, receive up to S$45  via PayNow OR 1   x Apple AirTag  (worth S$45.40) with eligible premiums spent.  T&Cs apply.

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

3. Extreme Sports and Outdoor Adventure

Direct Asia travel insurance plans do not cover outdoor activities and extreme sports. The normal travel insurance plan, however, covers regular sports and activities such as:

• Hot air balloon
• Snorkelling
• Hiking (no ropes or specialist equipment, max 1,500m)

Instead, you’ll have to add on the Extreme Sports and Activities package from the ala carte menu to cover any other outdoor adventure and sports you plan to participate in.

Direct Asia is one of the rare travel insurance companies that covers competitive contact sports and races – great if you’re travelling abroad for a marathon, triathlon, Brazilian Jiu Jitsu competition, or rugby meet. However, this plan does not cover you if you are a professional athlete.

The big caveat you must take note of here is: Extreme Sports package is only available for annual multi-trip plans , but the Covid-19 package is not available for Direct Asia’s annual multi-trip plans. So, you can’t get Covid-19 coverage and Extreme Sports coverage at the same time.

Here are the prices for the Direct Asia Extreme Sports and Activities package:

• Asia : $81.40/week
• Worldwide : $105.16/week

Here’s a summary of common holiday adventure activities that Direct Asia’s Extreme Sports rider covers:

4. Direct Asia Travel Insurance Terms and Conditions

Are there any other terms and conditions in Direct Asia’s travel insurance policy wording that you should know about? Yes, in particular these:

• Air Miles and Hotel Reward Points : Your flight or hotel bookings won’t be covered if you booked them with air miles, hotel membership points, or credit card reward points.
• Medical Expenses (Singapore) : If you fell ill overseas but want to seek treatment back home, you must consult a doctor within 48 hours of your arrival back in Singapore. You should also get approval from Direct Asia before you go to your private clinic or hospital of choice.
• Emergency medical evacuation : You need to get any medical evacuation plans to be authorised by Direct Asia before going ahead for it to be claimable.
• Pre-Existing Conditions are not covered by Direct Asia’s travel insurance plans. If you need coverage for your pre-existing medical conditions, try MSIG travel insurance or NTUC travel insurance plans instead.
• Death and permanent total disablement claims only cover accidents and not illnesses and diseases.
• Theft or Loss of Personal Belongings (part 1) : You must have original purchase receipts and documents from your police reports, hotel reports, and airline reports to support your claim. You need to also be able to prove that item was stolen, or lost in the custody of your airline or transport company etc.
• Theft/ Loss of Personal Belongings (part 2) : While Direct Asia covers theft or loss of personal possessions, the terms and conditions state that they don’t cover belongings that were “misplacement by you” or the “mysterious disappearance” of your belongings.
• Pet Hotel benefit only covers cats and dogs.

5. Direct Asia Travel Insurance Claim Review

The one great thing about Direct Asia is the responsive and prompt customer service hotline . The customer service team answer calls quickly, give you good advice, and are patient to listen to your travel plans and help you along – a very important support system for travellers who are stuck in emergency situations abroad.

Claim reviews on Google Reviews have been mixed – with some users praising they had a smooth claims process, but others ran into long-drawn claims processes that were eventually denied.

Direct Asia Overseas emergency hotline: Call +65 6603 3699 (international)

Direct Asia Claims hotline (Singapore) : Call  +65 6532 1818

Claims deadline: Claims must be made within 30 days of your return to Singapore

Claims settlement time : According to Direct Asia, 80% of their claims are settled within 24 hours. That’s a very tall order and big promise to make. Anyway, you can expect claims to generally pan out over 1 month to 6 months, and you should diligently call the claims hotline to check on the claims status.

6. Direct Asia vs FWD Travel Insurance

Budget to budget travel insurance provider, is Direct Asia or FWD’s travel insurance better? We compare:

Benefits wise, it’s clear that FWD’s travel insurance offers way more in coverage. On top of that, FWD has numerous great online reviews about their prompt and fast claims processes. However, FWD does require you to get your claim documents straight for the fast claims process to happen.

FWD Premium

[Win a Rolex, Dream Vacation & More! | MoneySmart Exclusive]   • Enjoy up to 35% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive S$10  via PayNow with eligible premiums spent.  T&Cs apply.   BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw. • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)   Increase your chances of winning when you refer friends  today. T&Cs apply.

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

7. Direct Asia Travel Insurance Promotion

Direct Asia has an ongoing promotion where you get 40% off all single trip plans , no questions asked and with no end date in sight.

That makes these plans very affordable indeed. A week’s coverage in Asia will cost $26.25 for DA150, which is on the reasonable side of things (usually it ranges from $20 to $25).

Upgrade to DA200 and you’ll pay $29.40, which is still relatively cheap. (Interestingly, both DA200 and DA500 are cheaper than many of its competitors’ 2nd and 3rd tier plans. However, the coverage may not be on par.)

8. Direct Asia Travel Insurance Review

For regular Singaporeans going on holiday, Direct Asia is certainly a cheap budget travel insurance with adequate coverage for the important things such as emergency medical evacuation and overseas medical expenses.

However, you may not get to enjoy miscellaneous coverage such as baggage loss, travel delay etc. – which suits a generally safe, fuss-free, and seasoned traveller .

If you’re prone to testing positive for Covid-19, Direct Asia’s travel insurance is not for you since the Covid-19 add-on rider is pretty pricey for the little coverage it provides.

However, if you have a niche interest like martial arts, go-karting or off-piste skiing, consider buying Direct Asia travel insurance and topping up for the Extreme Sports add-on. It is extremely hard to find another insurer that will cover these.

Looking to buy travel insurance? Compare  the best travel insurance here .

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Best Travel Insurance Plans in Singapore [content outdated due to Covid]

Singlife Travel Insurance Review

• Financially Reviewed by Edward Hee
• Published: 24 December, 2023
• Last Updated: 29 December, 2023

At Dollar Bureau, we’re committed to providing you with reliable, unbiased financial guidance. Our content is crafted by everyday Singaporeans who are trained in finance and insurance, ensuring relatable and practical guidance. We uphold strict editorial independence, regularly update our reviews, and value your feedback to keep our information accurate and relevant.

Discover more about our editorial guidelines here .

Table of Contents

Travelling somewhere can be exciting, depending on the reasons for your travelling, whether personal, business or holiday travel.

But sometimes events that are not planned can take place while you are travelling.

Singlife Travel Insurance is comprehensive and provides solutions for many scenarios of what can happen while travelling.

Keep reading for our review of the Singlife Travel Insurance.

Key Features Of Singlife Travel Insurance

Singlife offers some tremendous key features, and when considering your options, it is always important to stay informed and know what you are buying.

Below are some highlights of Singlife Travel Insurance.

Diverse Medical Coverage:  Singlife Travel Insurance offers a range of medical coverage, with its Prestige tier providing unlimited overseas medical expenses.

Competitive COVID-19 Provisions:  Across its tiers, Singlife offers substantial COVID-19-related benefits, including overseas medical expenses and emergency medical evacuation due to the virus.

Personal Accident Benefits:  Singlife provides significant personal accident benefits, ensuring travellers are covered in case of unforeseen incidents.

Baggage and Personal Belongings Protection:  Singlife offers competitive coverage for lost or damaged baggage and personal belongings, safeguarding travellers’ possessions.

Value for Money:  With its range of benefits and competitive premiums, Singlife Travel Insurance offers a balanced cost-to-benefit ratio, making it a valuable choice for various travellers.

Adventure Sports Inclusion:  Specifically covers adventurous water sports, extending various protections like accidental death, permanent disablement, and equipment loss or damage.

Equipment Hire Coverage:  Compensates for the hiring cost of replacement water sports equipment in case of accidental loss, damage, or significant delays.

These features represent a blend of standard and unique aspects of Singlife Travel Insurance, emphasising its coverage of typical travel incidents and specific adventurous activities.

Comparison Against Other Single-Trip Travel Insurance Policies

In this section, the insurers that we’re comparing Singlife Travel Insurance against its competitors:

• AIG Travel Guard Direct
• AIA Around the World Plus (II)
• Allianz Travel Bronze
• Klook TravelCare
• MSIG TravelEasy
• NTUC Income Travel Insurance
• Sompo Travel (COVID-19) Insurance
• Etiqa TIQ Travel Insurance (with COVID-19 cover)
• FWD Travel Insurance Plan.

The basis for this comparison will be the coverage for an individual travelling to ASEAN for a week and the lowest-tiered plan across all insurers.

There will also be an add-on for COVID-19 benefits.

In comparing Singlife Travel Insurance with other insurance policies in Singapore, focusing on single-trip policies for ASEAN travel, we observe the following:

• Premium Affordability: Singlife Travel Insurance Lite, priced at $49.36, is competitively priced. It’s more affordable than AIG Travel Guard Direct Basic and AIA Around the World Plus (II) Classic, but slightly higher than Allianz Travel Bronze and Etiqa TIQ Travel Insurance Entry.
• Overseas Medical Expenses Coverage: Singlife offers a high coverage amount of $250,000, which is on par with NTUC Income Travel Insurance Classic and MSIG TravelEasy Standard, and higher than AIG, AIA, Allianz, Sompo, FWD, and Etiqa.
• Accidental Death and TPD: Singlife’s coverage of $50,000 is moderate compared to others. It’s equal to Allianz Travel Bronze but lower than AIA, Sompo, FWD, NTUC Income, MSIG, and Etiqa, which offer higher coverage in this category.
• Overseas Travel Delay Compensation: Singlife’s $500 compensation is competitive, matching Allianz and MSIG, and surpassing AIG and Etiqa. However, it’s less than AIA, Sompo, FWD, and NTUC Income.
• Trip Cancellation Coverage: Singlife provides a $5,000 coverage, which is consistent with most other insurers except AIG, which offers a lower amount.
• Baggage Delay Compensation: Singlife’s $500 is higher than FWD and Etiqa but lower than Sompo and NTUC Income. AIG and Allianz do not offer this benefit.
• Baggage Loss/Damage: Singlife’s coverage of $3,000 is standard among most plans, except for Sompo and Etiqa, which offer lower amounts. Allianz Travel Bronze does not provide this coverage.
• Cost-to-Benefit Ratio: Singlife stands out with a high cost-to-benefit ratio of 6260.13, indicating a favorable balance between cost and coverage, especially in comparison to AIG, AIA, Allianz, and Etiqa.

Comparison Against Other Annual-Trip Travel Insurance Policies

Next up, let’s compare the insurers for annual trips. (We’ve removed Sompo Travel Insurance here because they do not offer travel insurance for annual trips.)

The basis for this comparison will be the coverage for a single individual travelling to ASEAN for an annual trip and the lowest-tiered plan across all insurers.

Here’s a comparison of Singlife Travel Insurance against other annual trip policies:

• Total Premium: Singlife Travel Insurance Lite is priced at $460.00, making it a mid-range option. It’s more affordable than AIG Travel Guard Direct Basic, Allianz Travel Bronze, and NTUC Income Travel Insurance Classic, but slightly more expensive than FWD Travel Insurance Premium and Etiqa TIQ Travel Insurance Entry.
• Overseas Medical Expenses: Singlife offers a high coverage amount of $250,000, matching MSIG TravelEasy Standard and NTUC Income Travel Insurance Classic, and surpassing AIG, AIA, Allianz, FWD, and Etiqa.
• Accidental Death & TPD: Singlife’s coverage of $50,000 is lower compared to most other plans, except Allianz Travel Bronze. AIA, FWD, MSIG, NTUC Income, and Etiqa offer higher coverage in this category.
• Overseas Travel Delay Compensation: Singlife provides $500, which is on par with Allianz and MSIG, and higher than FWD and Etiqa. However, it’s less than AIA and NTUC Income.
• Trip Cancellation Coverage: Singlife, along with AIA, Allianz, MSIG, and NTUC Income, offers a $5,000 coverage, which is higher than AIG and lower than FWD.
• Baggage Delay Compensation: Singlife’s $500 is competitive, matching Allianz and MSIG, and surpassing FWD and Etiqa. NTUC Income offers a higher compensation.
• Baggage Loss/Damage: Singlife’s coverage of $3,000 is standard among most plans, except for Etiqa, which offers a lower amount. Allianz Travel Bronze does not provide this coverage.
• Cost-to-Benefit Ratio: Singlife’s ratio of 769.57 indicates a good balance between cost and coverage, especially when compared to AIG and Allianz. However, it’s lower than FWD, MSIG, NTUC Income, and Etiqa.

Who Is Singlife Travel Insurance Prestige Best Suited For:

Frequent international business travellers.

Given the comprehensive features of Singlife Travel Insurance Prestige, it is particularly well-suited for frequent international business travellers.

Here’s why:

Comprehensive Medical Coverage:  Business travellers often have tight schedules and cannot afford prolonged medical disruptions.

The unlimited overseas medical expense coverage offered by Singlife ensures they receive the best medical care without worrying about costs, especially in countries with high medical expenses.

COVID-19 Considerations:  Business travellers must be especially cautious about COVID-19 in the current global context.

Singlife’s substantial coverage related to the virus, including overseas medical expenses and emergency medical evacuation, provides an added layer of security.

Personal Accident Benefit: Business trips involve various modes of transportation and activities, increasing the risk of accidents.

Singlife’s significant personal accident benefit ensures that travellers are well-covered in case of unforeseen incidents.

Efficiency in Trip Disruptions:  Business travellers can’t afford significant delays or cancellations.

While Singlife offers competitive coverage in these areas, its standout medical benefits ensure that health-related disruptions are addressed efficiently.

Adventure Enthusiasts And Solo Backpackers

Singlife Travel Insurance Prestige is an excellent fit for adventure enthusiasts and solo backpackers. Here’s the rationale:

Unparalleled Medical Coverage:  Adventure enthusiasts often venture into remote areas or engage in activities that carry inherent risks.

The unlimited overseas medical expenses coverage by Singlife ensures that should they encounter any health issues, they can access the best medical care without being burdened by costs.

Personal Accident Benefit:  Solo backpackers and adventure seekers are more exposed to unforeseen incidents, given the nature of their travels.

The substantial personal accident benefit of S$500,000 Singlife provides a safety net, ensuring they’re covered in unexpected accidents.

COVID-19 Coverage: In these times, even the most intrepid travellers need to be cautious about the pandemic.

Singlife’s comprehensive COVID-19 coverage, including medical expenses and emergency medical evacuation, offers peace of mind, allowing travellers to focus on their adventures.

Flexibility in Trip Disruptions:  Solo and adventure travel often involves changing plans on the fly.

While Singlife offers competitive coverage for travel delays or cancellations, its standout medical benefits ensure that health-related disruptions are managed promptly and efficiently.

My Review of Singlife Travel Insurance

While Singlife Travel Insurance Prestige offers a compelling package, it’s essential to remember that it’s not the only policy in the market.

Every traveller’s needs are unique, and what works for one might not be the best fit for another.

To ensure you’re making the most informed decision, take a moment to explore and compare various travel insurance options.

Dive into these comprehensive guides to get a clearer picture of what’s available:

• Best Annual Travel Insurance in Singapore
• Best Travel Insurance in Singapore

You can find the perfect travel insurance tailored to your needs and adventures by comparing different policies.

So, after extensive research and comparison with other travel Insurance policies in Singapore, Singlife stands out as one of the best policies for International Business Travellers and Adventure enthusiasts.

With Singlife, your premiums are manageable, so you get value for your money, and paying for the premium does not break your bank account.

It is a competitive product and could be worth it in dire situations.

On the contrary, other insurers like  Etiqa  and Allianz might be more suitable plans for people with specific needs, such as pre-existing conditions.

Let’s now explore the Singlife Travel Insurance in depth:

Criteria For Singlife Travel Insurance

These requirements are essential for taking out a Singlife Travel Insurance policy.

• Have a valid NRIC or FIN
• Be at least 16 years old at the time of purchase (only required if you’re the applicant)
• Be taking a round-trip journey that begins and ends in Singapore
• Not travelling against the advice of a qualified medical practitioner
• Not travelling to obtain medical treatment
• Have purchased the policy before departing from Singapore.

Benefits Summary Cover & Limits

These detailed table illustrations provide an overview of the coverage limits across the Lite, Plus, and Prestige plans for the different sections and features of the Singlife Travel Insurance policy.

For Singlife Travel Insurance, these are the general summary benefits as a quick guide.

Premiums Rates

Here are the prices for both single trip (7 days) & annual plans for ASEAN and Global coverage for a 25-year-old Singaporean.

Prices are before any discounts.

Benefits Explained for Singlife Travel Insurance

Section 1a: accidental death, permanent disablement & burns benefit, what is covered.

• If you suffer an accidental injury during your trip, Singlife Travel Insurance provides coverage. This includes accidental death, permanent disablement, and burns.
• The assessment of burns is based on the Rules of Nines system.
• The total compensation for an accident won’t exceed 100% of the policy limit under this section.
• For children and individuals above 70 years, the benefit is reduced to 20% of the maximum amount.
• In case of multiple claims (Sections 1a, 1b, or 1c) from the same event, the policy pays under one section only.
• The benefit is paid to you or your legal representative.

What is Not Covered

• Claims for illness, disease, nervous shock, naturally occurring conditions, or degenerative processes are not covered.
• Any exclusions mentioned in the General Exceptions of the policy.
• The policy does not cover any claim related to war if you were directly or indirectly involved in the acts, except for self-protection.
• Coverage ceases 60 days after the initial outbreak of war.
• Claims for accidental injury while on public transport are covered if the accident is the sole cause of death.

Section 1B: Accidental Death & Permanent Disability Due to War

• Singlife Travel Insurance provides coverage if you suffer death or permanent disablement due to war during your trip.

However, there are specific conditions for this coverage:

• You must prove that you were not involved in the war-related acts, directly or indirectly, except for actions taken to protect yourself and your property.
• The country where the incident occurs should not be in a state of war upon your arrival; it should not be your home country or the country you reside in.
• This coverage is only applicable if it’s less than 60 days after the initial outbreak of war.

The policy does not cover accidental death or permanent disability that occurs while you are on board public transport during your trip if the accident is not the sole cause of death or disability.

Section 1C: Double Indemnity for Death in Public Transport

• Singlife Travel Insurance offers double indemnity if you suffer accidental injury leading to death while on board public transport during your trip. This coverage applies if the accident is the sole cause of your death.

Special Conditions

The special conditions and exclusions under Section 1A – Accidental Death, Permanent Disablement, and Burns Benefit also apply to this section. 

These include the following:

• The total compensation for an accident does not exceed 100% of the policy limit under Section 1A.
• Reduced benefits for children insured under a family package and individuals above 70.
• The policy pays under only one of Sections 1A, 1B, or 1C for claims resulting from the same event.

The exclusions under Section 1A also apply here. 

• Claims related to illness, disease, nervous shock, naturally occurring conditions, or degenerative processes.
• Additionally, any exclusions mentioned in the General Exceptions of the policy are applicable.

Section 2: Family Assistance Benefit

• For those with the Prestige Plan, Singlife Travel Insurance offers a lump sum benefit if you suffer an accidental injury during your trip, which solely causes your death within 6 months of the incident.
• The benefit for this claim will be paid to your legal representative or as per the applicable law.
• The exclusions under Section 1A – Accidental Death, Permanent Disablement, and Burns Benefit also apply to this section. 

Exclusions:

Section 3: Child Education Benefit (only applies to Prestige Plan)

Under the Prestige Plan , Singlife Travel Insurance offers a unique benefit in the event of your death:

• A yearly payment of S$5,000 is made on the anniversary of your death for up to 5 years.
• This benefit is applicable as long as the child qualifies under the policy’s definition of a “Child.”
• For children above 18 years old, you must provide annual proof that the child is a full-time student in a recognised higher education institution and is unmarried.
• The payment is S$5,000 per year, regardless of the number of children.
• The exclusions under Section 1A – Accidental Death, Permanent Disablement, and Burns Benefit apply here. These include claims related to illness, disease, nervous shock, naturally occurring conditions, or degenerative processes.
• The benefit is not payable if the insured person is a child covered under the policy.

Section 4: Emergency Medical Cover

Overseas Medical Expenses:  If you suffer an accidental injury or illness during your trip and require medical treatment outside of Singapore, Singlife Travel Insurance covers:

• Any reasonable medical treatment costs by a doctor, including rescue services to the necessary hospital, are covered.
• As certified by a doctor, there are necessary and reasonable extra charges for standard room accommodation if you extend your stay beyond the intended return date.
• Additional travel expenses (air, sea, or land) to return home if your return ticket cannot be used are covered.

Emergency Medical Evacuation:  If you suffer a severe injury or serious illness overseas and it is medically necessary to move you to the nearest registered medical facility or return to Singapore for medical treatment, Singlife will cover:

• Necessary and reasonable transportation costs and en-route medical care and supplies, including the assignment of a doctor and/or nurse to accompany you.
• The cost of returning you home should you need to return to Singapore for recuperation or continued treatment, and your return ticket cannot be used.

Overseas Emergency Medical Expenses – Pregnancy Related:  Singlife will cover emergency medical treatment outside Singapore related to pregnancy or childbirth, provided the expected delivery date is more than 12 weeks (or 16 weeks in the case of multiple pregnancies) before your planned return date.

Medical Expenses in Singapore

• Follow-up Treatment:  Singlife Travel Insurance covers follow-up medical treatment within 31 days of your return to Singapore if the initial treatment occurred during your trip.
• Treatment for Untreated Injuries/Illnesses : If you didn’t seek treatment during your trip, Singlife covers medical treatment within 5 days of your return to Singapore, up to a maximum of 31 days from the initial treatment in Singapore.

Mobile-Aid Reimbursement

• Singlife reimburses the reasonable costs of medically necessary equipment and aids (like crutches, wheelchairs, and walkers) for your recovery and mobility, recommended by your doctor, following your medical treatment.

Chiropractor and/or Chinese Physician Treatment (Registered)

• Overseas Treatment : If you suffer an accidental injury or illness during your trip and receive outpatient medical treatment from a registered Chiropractor or Chinese Physician, Singlife covers the treatment.
• Follow-up Treatment:  This includes follow-up treatment within 31 days of returning to Singapore if the initial treatment occurred during your trip.
• Treatment for Untreated Injuries/Illnesses:  Coverage also includes treatment within 5 days of returning to Singapore for injuries/illnesses not treated during the trip, up to 31 days from the initial treatment in Singapore.
• Certification Requirement:  The Chiropractor or Chinese Physician must be officially certified and registered in the country of treatment and not related to you or anyone you are travelling with.

Emergency Telephone Charges

• Singlife will cover telephone charges incurred for contacting them or their appointed Medical Emergency Assistance provider for emergency medical assistance. This is applicable when a medical claim is submitted under Section 4a, 4b, 4c, 4d, or 4f. You must provide telephone bills for reimbursement.

Special Conditions for Emergency Medical Cover

• Mandatory Notification:  You must immediately call Singlife’s Medical Emergency Assistance helpline at +65 6460 9391 if you require hospitalisation or need to return to Singapore for medical reasons. Failure to do so may affect your claim.
• Medical Necessity for Movement:  If Singlife’s appointed Medical Emergency Assistance provider deems it medically necessary to move you to the nearest registered medical facility or return to Singapore for treatment, and you choose not to follow this advice, Singlife’s liability for your medical care ends immediately.
• Specialist & Physiotherapist Costs:  Singlife covers the necessary and reasonable costs of treatment by a specialist or physiotherapist, but only if such treatment is deemed necessary and has been referred by a general practice doctor. The specialist or physiotherapist must not be related to you or anyone you are travelling with.
• Determination of Transportation and Location:  The means of transportation and the location to which you will be transported will be determined by Singlife’s Medical Emergency Assistance provider, based on the medical necessity and severity of your condition.

Exclusions for Emergency Medical Cover

• Travel Against Medical Advice : Any claim related to a medical condition if you travelled against the advice of a doctor or would have been advised against travelling had you sought such advice.
• Pre-Planned Medical Treatment:  Claims arising from medical conditions for which you planned to receive treatment during your trip.
• Coverage by Other Sources:  Claims already covered by other insurance, government, or corporate schemes. Singlife will only cover the portion of medical expenses not recoverable from these sources.
• Specific Non-Covered Costs:
• Costs of in-patient hospital treatment or early return home that were not pre-approved by Singlife’s Medical Emergency Assistance provider.
• Costs of non-emergency treatment or surgery, including exploratory tests not directly related to the illness or injury necessitating hospitalisation.
• Any treatment that the treating doctor and Singlife’s Medical Emergency 
• Cosmetic surgery and cosmetic products.
• Medication is known to be needed from the start of the trip.
• Unprescribed medicines or supplements.
• Medical equipment or treatment not recommended by a doctor.
• Extra cost for single or private room requests.
• Treatment/services by health spas, convalescent homes, or rehabilitation centres.
• Costs after deciding not to move hospital or return to Singapore when it was safe to do so.
• Claims resulting from tropical diseases without recommended inoculations/medication.
• Sexually transmitted infections, HIV/AIDS, or related illnesses.
• Claims resulting from pregnancy or childbirth (except under specific sections).
• General Exceptions as mentioned in the policy.

Special Conditions:

You must call Our Medical Emergency Assistance helpline at +65 6460 9391 immediately if you need medical attention as a hospital In-Patient or need to return to Singapore.

The special conditions of the Singlife Travel Insurance policy regarding medical emergencies can be summarised as follows:

• Immediate Contact Required:  If you require hospitalisation or need to return to Singapore for medical reasons, you must immediately contact the Medical Emergency Assistance helpline. Failure to do so may affect your claim.
• Compliance with Medical Necessity:  If the appointed Medical Emergency Assistance provider deems it medically necessary for you to be moved to the nearest registered medical facility or to return to Singapore for treatment, and you choose not to follow this advice, Singlife’s liability for your claim will end immediately.
• Coverage for Specialist or Physiotherapist Costs:  Singlife will cover the necessary and reasonable costs of medical treatment by a specialist or physiotherapist. However, this is contingent on the required treatment and having been referred by a general practice doctor. Additionally, the specialist or physiotherapist must not be someone related to you or your travel companions.
• Determination of Transportation & Location:  The method of transportation and the destination for medical treatment will be determined by the Medical Emergency Assistance provider. This decision will be based on the medical necessity and the severity of your medical condition.

These conditions highlight the importance of following the guidelines set by Singlife’s Medical Emergency Assistance provider to ensure coverage and support in case of a medical emergency during your travels.

This summary provides an overview of the Emergency Medical Cover section of the Singlife Travel Insurance policy. 

The exclusions under Section 1A – Accidental Death, Permanent Disablement, and Burns Benefit apply here. Additionally, any exclusions mentioned in the General Exceptions of the policy are applicable.

For a detailed understanding of the coverage and exclusions, especially those related to general exceptions, it’s recommended to refer to the full policy document and the General Exceptions section.

Section 5: Accidental Dental Expenses

Accidental Dental Expenses While Overseas

• Suppose you accidentally injured your sound and natural teeth during your trip. In that case, Singlife will cover the necessary and reasonable costs for emergency pain relief dental treatment received overseas.

Accidental Dental Expenses in Singapore

• Singlife will also cover necessary and reasonable emergency pain relief dental treatment in Singapore.
• If you had initial dental treatment during your trip, Singlife covers follow-up accidental dental treatment to restore your sound and natural teeth within 31 days of your return to Singapore.
• Suppose you did not seek initial treatment during your trip. In that case, Singlife covers dental treatment to restore your sound and natural teeth within 5 days of your return, up to 31 days from the initial treatment in Singapore.
• Dental treatment resulting from tooth, gum, oral disease or regular teeth wearing.
• Dental expenses related to unnatural teeth, including but not limited to dental dentures, implants, crowns, and bridges.
• Any exclusions mentioned in the General Exceptions section of the policy.

This information is tailored to help you understand the specific coverage and exclusions under the Accidental Dental Expenses section of the Singlife Travel Insurance policy.

Section 6: Hospital Income

Overseas Hospital Income

If you are making a claim for medical expenses, which is claimable in this policy, you are being treated as an In-Patient in a hospital overseas.

We will pay the following amount for every full consecutive 24 hours of hospitalisation in a standard ward overseas.

We will pay the following amount for every full consecutive 24 hours of hospitalisation in an Intensive Care Unit (ICU) overseas.

Hospital Income in Singapore

If you are making a claim for medical expenses which is claimable in this policy and you are being treated as an in-patient in a hospital in Singapore.

We will pay the following amount for every full consecutive 24 hours of hospitalisation in Singapore.

Under the Hospital Income section of the Singlife Travel Insurance policy in Singapore, the following are not covered:

• Exclusions listed under Section 4 – Emergency Medical Cover.

Section 7: Quarantine Allowance Due to Infectious Diseases

This section applies only to the Plus & Prestige Plans.

Quarantine Allowance due to Infectious Diseases 

• Overseas Quarantine Allowance:

If you are placed under quarantine by the government or relevant health authority as a result of close contact with confirmed cases of infectious disease or if you are identified as a carrier of the infectious disease, Singlife will pay you a specified amount for every full consecutive 24 hours you are detained. 

The specific amounts and further details can be found in the policy document.

• Quarantine Allowance in Singapore:

Under Singlife Travel Insurance’s Plus and Prestige Plans, the policy provides coverage in the following scenario:

• If during your trip, or upon your return to Singapore, you are immediately placed under quarantine by the Ministry of Health due to close contact with confirmed cases of infectious disease, or if the Ministry of Health identifies you as a carrier of the infectious disease, Singlife will pay you a specified amount for every full consecutive 24 hours you are detained.

Exclusions for this section include

The exclusions under Section 4 – Emergency Medical Cover.

Please note that these details are based on the information available in the policy document, and it’s always advisable to consult the full policy or contact the insurer for the most accurate and up-to-date information.

What isn’t covered under Section 4 – Emergency Medical Cover. 

• Anything mentioned in the General Exceptions.

Section 8: Repatriation

Calling the Emergency Assistance helpline at +65 6460 9391 for assistance is essential to activate this section. Please do so to ensure the validity of the claims.

• Repatriation of Mortal Remains:  In the event of death overseas due to an accidental injury or illness incurred during the trip, the insurer will handle and cover the costs of returning the body or ashes to Singapore or the insured’s home country (if not Singaporean).
• Reimbursement of Coffin & Funeral Expenses:  If death occurs within 12 months as a result of an accidental injury or illness while overseas, the insurer will cover the costs of burial or cremation in the country of death, Singapore, or the insured’s home country (if not Singaporean).
• What needs to be covered under Section 4 – Emergency Medical Cover?
• Anything mentioned in the General Exceptions

Section 9: Hospital/Compassionate Visit Expenses

Hospital Visit Expenses

Eligibility

This applies if the insured, due to an accidental injury or illness overseas that is claimable under this policy, is hospitalised for more than 5 consecutive days during the trip.

Covered Expenses

• One travelling companion who remains with or escorts the insured until the end of the insurance period or until the insured can resume the trip or return to Singapore, whichever occurs first.
• One close relative or friend, in cases where no adult travelling companion is a close relative or friend, under similar conditions as above.

What is not covered

Compassionate Visit Expenses

• In the event of the insured’s death overseas due to an accidental injury or illness during the trip.

Covered Expenses  

• The insurer will cover the accommodation and travel expenses reasonably and necessarily incurred by one travelling companion, close relative, or friend. This is to assist in the final arrangements after the insured’s death and to bring the body or ashes back to Singapore or the insured’s home country (if not Singaporean).

Section 10: Child Minder

• This coverage is activated if the insured sustains death or becomes hospitalised overseas during the trip, and the situation is claimable under this policy.
• The insurer will cover additional accommodation and travel expenses for a close relative or friend of the insured. This specifically helps accompany a child (also covered under the policy) back home because no other adult is available to accompany the child.
• Any exclusions mentioned in the General Exceptions section of the policy apply to this section. Specific exclusions unique to this section are not provided in the given details. These general exceptions will be detailed later in the document.

The coverage is subject to the policy limits, which should be referenced in the full policy document for exact figures and conditions.

Section 11: Personal Liability

This section covers the insured for legal liabilities incurred due to accidents during the trip.

Specific Liabilities Covered

• Death or Injury to Any Person:  If the insured is legally responsible for causing death or injury to any person during the trip, the insurer will cover the damages, claimants’ costs, and expenses.
• Loss of or Damage to Property:  If the insured is legally responsible for causing loss or damage to any property during the trip, these costs are also covered.
• General Exceptions:  The provided content does not detail specific exclusions unique to this section. However, any exclusions mentioned in the General Exceptions section of the policy apply to this section. These general exceptions will be detailed later in the policy document.
• Policy Limits:  The coverage is subject to certain policy limits, which should be referred to in the full policy document for exact figures and conditions.
• Legal Obligations:  The coverage is limited to liabilities that the insured is legally obligated to pay.

In addition to the coverage provided in Section 11, it’s important to note the specific exclusions where the insurer will not provide coverage. 

These include:

• Fine or Exemplary Damages:  Costs related to punishing rather than compensatory fines or damages are not covered.
• Liability from Wilful, Malicious or Unlawful Acts:  Any liability resulting from the insured’s intentional, malicious, or illegal actions.
• Liability from Employment or Household Members:  Liabilities arising from death or injury to employees or members of the insured’s household.
• Transmission of Illness or Disease:  Any liability for transmitting any illness or disease.
• Loss or Damage to Personal Property:  Damage or loss of property that belongs to, or is under the control of, the insured, their household members, or employees.
• Contractual, Employer’s Liability, or Job-Related:  Contractual Liabilities related to the insured’s employer role or professional duties.
• Ownership or Occupation of Land or Buildings:  Liabilities related to owning or occupying land or buildings.
• Ownership or Use of Certain Items and Animals:  This includes liabilities from owning or using animals (other than domestic animals), firearms, motorised vehicles, vessels (other than manually-propelled watercraft), or any type of aircraft, including unpowered flight.
• General Exceptions:  Additional exclusions are mentioned in the policy’s General Exceptions section.

These exclusions are crucial in defining the coverage boundaries provided under Personal Liability. The insured should consult the policy document to understand these exclusions and other terms and conditions.

This summary emphasises the exclusions of Section 11 of the Singlife Travel Insurance policy. Understanding these limitations is essential for policyholders to comprehend the extent of their coverage.

Section 12a: Trip Cancellation

This section covers the insured for trip cancellation expenses within the stipulated policy limits.

• Covered Costs:  Includes travel (air, sea, or land) and accommodation expenses, as well as entertainment costs charged by licensed providers such as transport providers, accommodation providers, tour operators, or travel agents. These are costs that the insured has paid or is legally obligated to pay and cannot recover.
• Insured Event numbers 1 to 8:  Arising within 30 days before the insured departing on their trip.
• Insured Event number 9 : Arising any time before the insured departs on their trip.
• General Exceptions:  Specific exclusions unique to this section. However, any exclusions mentioned in the General Exceptions section of the policy apply to this section. These general exceptions will be detailed later in the policy document.
• Definition of Insured Events:  The specific Events numbered 1 to 9 are defined elsewhere in the policy document and should be reviewed to understand what scenarios are covered under this section.

Recommendation

It is essential to consult the complete policy document to understand the full scope of the coverage, including the details of the Insured Events and the policy limits. 

This summary provides an overview based on the provided details, but the policy document will offer comprehensive information.

This summary focuses on the key aspects of Section 12A regarding Trip Cancellation in the Singlife Travel Insurance policy. 

• Policy Purchase Timing:  The policy must be purchased more than 3 days before the trip’s departure date.
• Notification Obligation:  If needing to cancel, postpone, or abandon the travel arrangement, the insured must notify the relevant service providers (like airlines, hotels, and tour operators) as soon as reasonably possible.
• Adjustment for Refunds:  Any claim made under the policy will be reduced by the amount of any refund obtained from service providers, regardless of the form of the refund (cash, credit, points, or vouchers). 

When filing a claim, the insured must provide proof of compensation or denial from the service providers.

• Disinclination to Travel:  Claims made simply because the insured does not feel like travelling is not covered.
• Pre-Planned Medical Treatment:  Claims arising from a medical condition that the insured planned to get treatment for during the trip are excluded.
• Timeshare-Related Costs:  Claims for management, maintenance, or exchange fees associated with timeshares and similar arrangements are not covered.
• Refunds for Unnamed Persons:  Claims for refunds of costs for persons not named in the policy are not covered.
• Failure to Notify:  Claims resulting from the insured’s or an adult insured person’s failure to notify the airline, transport provider, licensed tour operator, or licensed travel agent immediately when it becomes necessary to cancel, postpone, or abandon the travel arrangements.
• Overlapping Claims:  If a claim under Sections 12a (Trip Cancellation), 12b (Trip Cancellation For Any Reason), 13a (Trip Postponement), 13b (Change of Travelling Date or Time For Any Reason), and 14 (Replacement Traveller) arises from the same event, the policy will only pay under one of these sections. 

This includes claims related to COVID-19 under the Free Extension (h) – COVID-19 Cover.

General Exceptions:  Any exclusions mentioned in the General Exceptions section of the policy also apply.

These exclusions define the coverage boundaries provided under the respective sections of the Singlife Travel Insurance policy, emphasising the circumstances under which claims will not be considered.

Section 12b: Trip Cancellation For Any Reason

In addition to the coverage provided in Section 12A (Trip Cancellation), it’s important to note specific exclusions where the insurer will not provide coverage. 

These exclusions apply to related sections as well, including Trip Cancellation for Any Reason (12b), Trip Postponement (13a), Change of Travelling Date or Time for Any Reason (13b), and Replacement Traveller (14).

• Disinclination to Travel:  No coverage is provided for claims made because the insured feels they need to do something other than travel.
• Pre-Planned Medical Treatment:  Claims resulting from a medical condition for which the insured was planning to receive medical treatment during the trip are excluded.
• Timeshare-Related Costs:  Claims for management, maintenance, or exchange fees associated with timeshares and similar arrangements are not covered.
• Refund for Uninsured Persons:  No coverage for a refund of costs for persons not named in the policy.
• Failure to Notify:  Claims arising from the insured’s or an adult insured person’s failure to promptly notify the airline, transport provider, licensed tour operator, or travel agent of the need to cancel, postpone, or abandon travel arrangements.
• Overlapping Claims:  Where a claim made under Sections 12a, 12b, 13a, 13b, or 14 arises from the same event, the policy will only pay under one of these sections. 

This includes Trip Cancellation/Postponement Due to COVID-19 under the Free Extension (h) – COVID-19 Cover.

General Exceptions

Additional exclusions are mentioned in the policy’s General Exceptions section.

These exclusions define the limitations of the coverage provided under the respective sections of the Singlife Travel Insurance policy. 

The insured should thoroughly consult the complete policy document to understand these exclusions and other terms and conditions.

Policyholders must understand these limitations to comprehend the extent of their coverage under the Trip Cancellation and related sections of their travel insurance policy.

The Singlife Travel Insurance plan in Singapore has certain exclusions under its trip cancellation benefit. These include:

• Cancellations due to a change of mind or no longer wanting to travel.
• Non-serious illnesses or injuries (e.g. headache).
• Trip cancellations arising from work obligations.
• Failure to notify your airline, transportation provider, tour operator, or licensed travel agent of the cancellation.

Common general exclusions include

• Pre-existing medical conditions.
• Mental disorders.
• Loss or injury due to alcohol/drugs.
• Pregnancy-related events, unless the mother is at risk.
• Travelling when medically unfit.
• Participation in professional or compensated sports.
• Items taken by customs officials.
• Travelling against the advice of regulatory authorities.
• Travelling to a country at war.
• Claims paid for by other insurers.

Please note that this information provides a general overview and may not cover all specific policy details. 

Section 13a: Trip Postponement

• Scope : This section covers the insured’s costs for postponing their trip within the stipulated policy limits.
• Covered Costs:  Includes reasonable administrative fees, additional travel expenses (air, sea, or land), accommodation, and entertainment costs charged by licensed providers (transport providers, accommodation providers, tour operators, or travel agents) that the insured must pay.
• Eligibility for Claims:  Coverage is applicable if the insured unavoidably needs to postpone the trip due to the following:

General Exceptions:  

The provided content does not detail specific exclusions unique to this section.

However, any exclusions mentioned in the General Exceptions section of the policy apply to this section. 

These general exceptions will be detailed later in the policy document.

• Definition of Insured Events:  The specific Events numbered 1 to 9 are presumably defined elsewhere in the policy document and should be reviewed by yourself to thoroughly understand what scenarios are covered under this section.

Consult the complete policy document for a comprehensive understanding of the coverage, including the details of the Insured Events and the policy limits. 

This summary highlights the key aspects of the coverage for Trip Postponement in the Singlife Travel Insurance policy. Always refer to the full policy document for detailed and complete information.

• Specific Exclusions for Sections 12a, 12b, 13a, 13b, and 14
• Exclusions under Trip Cancellation (Section 12a):  The exclusions specified in the Trip Cancellation section also apply to Trip Postponement.
• Upgraded Travel or Accommodation:  Additional costs resulting from choosing better options or upgrading to a higher class or category of transport or accommodation than initially planned are not covered.
• Costs Beyond Original Itinerary:  Extra travel, accommodation, and entertainment costs not included in the original itinerary are not covered.
• Overlapping Claims:  If a claim under Sections 12a, 12b, 13a, 13b, or 14 arises from the same event, the policy will only pay under one of these sections. This includes claims related to COVID-19 under the Free Extension (h) – COVID-19 Cover.
• General Exceptions:  Any exclusions mentioned in the General Exceptions section of the policy apply.

These exclusions are crucial for defining the limitations of the coverage provided under the respective sections of the Singlife Travel Insurance policy. 

Policyholders must understand these limitations to comprehend the extent of their coverage under the Trip Postponement and related sections of their travel insurance policy.

Section 13b: Change of Travelling Date or Time For Any Reason

Section 14: replacement traveller (for business travel only).

This section applies only to the Plus and Prestige Plans of the policy. 

Here are the key details:

Coverage : 

This section covers reasonable administrative fees, additional travel (air, sea, or land), accommodation costs, and Entertainment Costs charged by licensed providers such as transport providers, accommodation providers, tour operators, or travel agents. 

These costs are covered when they are incurred to replace one traveller to take over a business trip. 

This coverage is applicable if, after purchasing the policy or booking a trip (whichever is later), the insured unavoidably has to cancel their trip due to any of Insured Event numbers 1 to 4 arising within 30 days before departing on the trip.

Exclusions : 

The policy does not cover extra costs from selecting better options or upgrading to a better class or category of transport or accommodation than the original itinerary. 

It also excludes extra travel, accommodation, and entertainment costs as part of the original itinerary. 

Claims for personal trips, more than one replacement traveller per insured person, and claims under Section 12a – Trip Cancellation, Section 12b – Trip Cancellation For Any Reason, Section 13a – Trip Postponement, Section 13b – Change of Travelling Date or Time For Any Reason, and Section 14 – Replacement Traveller arising from the same event will only be paid under one of these sections. 

This includes Trip Cancellation/Postponement due to COVID-19 under the summary of cover, Free Extensions (h) – COVID-19 Cover. Additionally, anything mentioned in the General Exceptions is not covered.

Special Conditions: 

The policy advises referring to the ‘Special conditions’ under Section 12a – Trip Cancellation for more details.

The insurer will pay for reasonable economy-class transport (air, sea or land travel) and reasonable accommodation expenses of a standard room for your replacement traveller.

Policy Limits:  The maximum amount payable per insured per trip under this section is S$5,000 for the Plus plan and S$15,000 for the Prestige plan.

The exclusions under Section 14 – Replacement Traveller (For Business Travel Only) in the Singlife Travel Insurance Policy are as follows:

Upgrading Costs:  The policy does not cover any extra costs that result from selecting better options or upgrading to a higher class or category of transport or accommodation than what was included in the original itinerary.

Non-Included Costs : Any extra travel (air, sea, or land) and accommodation costs, as well as Entertainment Costs that are not part of the original itinerary, are not covered.

Personal Trips:  Claims related to personal trips are excluded from this coverage.

Limit on Replacement Travellers:  The policy does not cover claims for more than one replacement traveller per insured person.

Overlap with Other Sections:  If a claim is made under Section 12a – Trip Cancellation, Section 12b – Trip Cancellation For Any Reason, Section 13a – Trip Postponement, Section 13b – Change of Travelling Date or Time For Any Reason, and Section 14 – Replacement Traveller, and these claims arise from the same event, the policy will only pay for the claim under one of these sections. 

This includes Trip Cancellation/Postponement due to COVID-19 under the summary of cover, Free Extensions (h) – COVID-19 Cover.

• General Exceptions:  Any exclusions mentioned in the General Exceptions of the policy also apply to this section.

These exclusions are essential when understanding the scope and limitations of the Replacement Traveller coverage under the Singlife Travel Insurance Policy.

Section 15: Trip Interruption

This section applies to Plus and Prestige Plans. 

• Unused travel (air, sea, or land), accommodation costs, and Entertainment Costs charged by the licensed provider (such as transport provider, accommodation provider, tour operator, or travel agent) that the insured has paid or is legally obligated to pay for the trip and cannot get back.
• Any additional administrative expenses incurred when it is possible to amend the original travel expenses (air, land, or sea) and accommodation.
• Any additional travel economy-class transport expenses (air, land, or sea) that the insured must pay if it is impossible to amend the original travel expenses.
• This coverage is applicable if, after the commencement of the trip, the insured unavoidably has to:
• Cut short the trip and return to Singapore, or
• Change any part of the trip’s original itinerary due to any of the Insured Events.
• Extra costs result from selecting better options or upgrading to a better class or category of transport or accommodation than the original itinerary.
• Extra travel and accommodation costs and Entertainment Costs are not included in the original itinerary.

Where a claim under Section 15 – Trip Interruption and Section 16 – Travel Delay arises from the same event, Singlife will only pay for the claim under one of these sections. This includes Trip interruption due to COVID-19 under the summary of cover, Free Extensions (h) – COVID-19 Cover.

Anything mentioned in the General Exceptions (which will be covered later on). Special Conditions: The policy advises referring to the ‘Special conditions’ under Section 12a – Trip Cancellation for more details.

• Medical Condition Against Doctor’s Advice:  Any claim for a medical condition if any insured person has travelled against the advice of a Doctor or would be travelling against the advice of a Doctor if they had sought such advice.
• Lack of Authorisation by Emergency Assistance Provider:  Any claim not authorised by Singlife’s Emergency Assistance provider before the insured returns home.
• Tropical Diseases Without Recommended Precautions:  Any claim resulting from a tropical disease where the insured has not had the recommended inoculations and/or taken the recommended medication.
• No Return Ticket to Singapore:  Any claim for additional travelling expenses if the insured failed to book a return ticket to Singapore before departing.
• Abandonment of Trip Due to Cancellation by Service Providers:  Any claim for trip abandonment due to cancellation by the airline, accommodation, or tour operator, except in cases of the airline’s insolvency, licensed tour operator, or travel agent.
• Costs Outside of Travel Assistant or Emergency Medical Assistance:  Any claim for costs not part of Travel Assistant or Emergency Medical Assistance instructions.
• Upgrading Costs:  The policy does not cover extra costs that result from selecting better options or upgrading to a higher class or category of transport or accommodation than what was included in the original itinerary.
• Non-Included Costs:  Any extra travel (air, sea, or land) and accommodation costs, as well as Entertainment Costs that are not part of the original itinerary, are not covered.
• Overlap with Travel Delay:  If a claim under Section 15 – Trip Interruption and Section 16 – Travel Delay arises from the same event, Singlife will only pay for the claim under one of these sections. This includes Trip interruption due to COVID-19 under the summary of cover, Free Extensions (h) – COVID-19 Cover.

These exclusions are crucial for understanding the limitations of the Trip Interruption coverage under the Singlife Travel Insurance Policy.

Section 16: Travel Delay

Coverage : Singlife will pay S$100 for every full consecutive 6-hour period the insured is delayed from the scheduled time of arrival if

• The scheduled Public Transport the insured is booked to travel on is delayed from the scheduled time of departure or
• The insured is denied boarding of the Public Transport for which a confirmed reservation has been received from the travel agent or operators of the scheduled Public Transport due to overbooking or
• The scheduled Public Transport the insured is booked to travel on is diverted, preventing the continuation of the scheduled trip and causing a delay in arriving at the planned destination.

There must be no other travel arrangement made available to the insured by the travel agent or operators of the scheduled Public Transport within 6 hours of the scheduled departure, and the insured must not cause the delay.

The insured must do everything possible to reach the departure point for the time specified on their ticket/itinerary.

The length of the delay is calculated from the date and time the scheduled Public Transport should have arrived until the actual arrival time. 

Written confirmation from the carrier or their handling agents of the exact date and time of arrival and the reason for the delay is required.

• Any claim caused by an event (including Catastrophe, strike, riot, or civil commotion) that existed, was planned or occurred before the insured bought the policy or booked the trip, whichever is later.
• According to the original itinerary, the insured should have checked in for the Public Transport.
• Any claim for management, maintenance, or exchange fees associated with timeshares and similar arrangements.
• Any claim if the insured fails to follow the carrier’s revised departure schedule.
• Where a claim under Section 15 – Trip Interruption and Section 16 – Travel Delay arises from the same event, Singlife will pay the claim under only one of the sections. 

This includes Trip interruption due to COVID-19 under the summary of cover, Free Extensions (h) – COVID-19 Cover. Where a claim under Section 16 – Travel Delay and Section 23 – Hijack, Hostage, and Mugging arises from the same event, Singlife will pay the claim under only one of the sections.

Anything not mentioned in the General Exceptions.

Section 17: Rainfall Protection

• Singlife will pay a certain amount per insured person if the accumulated rainfall level in the city of the trip destination is more than 6.4 mm for each full 24-hour period and more than 50% of the trip duration is affected due to this rainfall level.
• Under the Family Package policy, Singlife will only pay up to 2 insured adults. 

The specific amounts are:

• The Period of Insurance of the Single Trip policy must be at least 3 or more days.
• To claim under this section, full details of the trip, including the country and city, must be submitted. Only one city per day can be declared in the claim submission.
• No claims are applicable if the trip falls under an Annual Multi-trip policy.
• No claims for a child under the Family Package policy.

Exclusions:  

Anything mentioned in the General Exceptions (which will be covered later on).

• Any claim if your trip falls under an Annual Multi-trip policy. 
• Any claim for a Child under the Family Package policy. 

Section 18: Delayed Baggage

Delayed Baggage in the Singlife Travel Insurance Policy, the following exclusions apply:

• To claim under this section, the insured must obtain written confirmation from the carrier on the number of hours they were without their baggage and the reason for the baggage delay.
• Compensation will only be provided for the delay of one piece of checked-in baggage tagged under the insured’s name per incident.
• The policy will only pay for either (a) up to S$200 for every full consecutive 6-hour period the baggage is delayed overseas or (b) S$150 after 6 hours of delay upon the insured’s return to Singapore, but not for both for the same event.
• Any payment made under this section will be deducted from the amount payable under Section 19 – Loss or Damage of Baggage & Personal Belongings if the baggage is later proved to be permanently lost.
• Baggage claims delayed or detained by customs or other officials are not covered.
• These exclusions ensure that the policy covers only specific scenarios of delayed baggage and sets clear boundaries on the claims process and compensation.

Delayed Baggage of the Singlife Travel Insurance Policy, the following are not covered:

• Baggage Delayed or Detained by Customs or Other Officials:  Any baggage claim delayed or detained by customs or other officials is not covered.
• General Exceptions:  Any exclusions mentioned in the policy’s General Exceptions also apply to this section.

Additionally, there are some  special conditions  related to claims under this section:

• To claim, you must obtain written confirmation from the carrier on the number of hours you were without your baggage and the reason for the baggage delay.
• The policy will only pay for the delay of at most one piece of your checked-in baggage tagged under your name per incident.
• The policy will only pay for the baggage delay overseas or upon your return to Singapore, but not for both for the same event.

Section 19: Loss or Damage of Baggage & Personal Belongings

This section covers the insured for loss, theft, or accidental damage of valuables and personal money during the trip, subject to the policy limits. 

The coverage is available under the Plus and Prestige Plans of the policy.

• Suppose personal belongings or baggage are lost or damaged by an authority, transport company, airline, or hotel. In that case, the insured must report the loss or damage to them in writing, obtain written confirmation, and get a loss or damage report.
• The insured should submit a claim to the responsible authority or service provider first and provide proof of compensation or denial received from them to Singlife.
• All travel tickets and tags must be kept if a claim is made under this policy.
• The insured must be able to prove ownership and the value of the lost, stolen, or damaged items. Please show proof to ensure the claim is valid.
• Singlife will settle claims by payment or replacement based on the value of the items at the time of loss. They will not pay more than the original purchase price of any lost or damaged item.
• If a claim has also been made under Section 18 – Delayed Baggage, and the baggage is 
• later proved permanently lost, the amount will be deducted from the claim under this section.
• Loss or theft of personal belongings or baggage left unattended.
• Damage to fragile items like glass, china, musical instruments, contact lenses, medical and dental fittings.
• Wear and tear, inherent defects, loss of value, and damage caused by moths, vermin, or any cleaning, repairing, or restoring process.
• Loss of fruits, perishables, consumables, animals, motorised vehicles and their accessories, remote-controlled devices, drones, sports equipment, and personal mobility devices damaged while used.
• Loss, theft, or accidental damage to items used in connection with the insured’s job, which they do not own.

Please note that this summary is based on the information provided in the Singlife Travel Insurance Policy document and is intended for informational purposes only.

Section 20: Loss of Valuables or Personal Money

Singlife will cover loss, theft, or accidental damage of valuables and personal money during the trip within the stipulated policy limits. 

• For the  Prestige Plan , the coverage is up to S $3,000  per insured person (but no more than S$500 for cash or bank notes)
• For the  Plus Plan , it’s up to  S$750  per insured person (but no more than  S$300  for cash or bank notes). 
• The Lite Plan is  not covered  under this section.

General Exceptions:  Any exclusions mentioned in the policy’s General Exceptions also apply. 

These will be covered later on.

Loss of Valuables or Personal Money of the Singlife Travel Insurance Policy, the following exclusions apply specifically to this section:

• Loss or Theft of Unattended Personal Money or Valuables : Singlife does not cover the loss or theft of personal money or valuables you left unattended.
• Cracking, Scratching, or Breaking of Fragile Items:  The policy does not cover cracking, scratching, or breaking of glass (except lenses in cameras, binoculars, telescopes, or spectacles), china, or any fragile articles.
• Scratching, Denting, Chipping, or Defacing:  Any such damage is not covered.
• Wear and Tear, Inherent Defects:  Loss of value and damage caused by moths and vermin, or any process of cleaning, repairing, or restoring are not covered.
• Delayed, Detained, or Confiscated by Customs or Other Officials:  Any personal money or valuables that are delayed, detained, or confiscated by customs or other officials are not covered.
• Any items not listed under Personal Money or Valuables such as bonds, securities, credit cards, identity cards, driving licenses, passports or travel documents. 
• Any business goods, samples/prototypes, equipment of any kind or any products/ components meant for trade.
• Deliberate or malicious damage to, or loss of, your Personal Money or Valuables caused by you or someone you know. 
• Any amount for loss or damage that you can claim against the airline, transport company, hotel or carrier.
• Any amount for loss or damage resulting from your willful act, omission, negligence, recklessness or carelessness. 
• Any loss or damage to items not belonging to You.
• Any loss of items resulting from mysterious disappearance.
• Shortages due to a mistake or loss due to a change in exchange rates. 

Section 21: Loss of Passport or Travel Documents

Under Section 21 of the Singlife Travel Insurance Policy, which covers the loss of passport or travel documents, the insurer provides coverage within the stipulated policy limits if your passport and other travel documents are lost or stolen while abroad. 

This includes covering the  administrative fees  required to get a  replacement passport  or other  travel documents  for your trip, any additional economy-class transport expenses (air, land, or sea), and reasonable  accommodation expenses of a standard room  incurred solely to replace your passport or other travel documents.

• Loss or theft of passport and other travel documents you left unattended.
• Singlife Travel Insurance does not cover passports and other travel documents that are delayed, detained, or confiscated by customs or other officials.
• Deliberate or malicious damage to, or loss of, your passport and other travel documents caused by you or someone you know.
• This travel insurance does not cover any amount for loss, theft, or damage against the airline, transport company, hotel, or carrier.
• Any transport or other incidental costs incurred while obtaining the replacement passport or travel document in Singapore.
• Any amount for loss, theft, or damage resulting from your willful act, omission, negligence, recklessness, or carelessness.
• Anything mentioned in the General Exceptions of the policy.

These exclusions are important when assessing your coverage under this policy section.

This section applies exclusively to the Prestige Plan.

• The loss must be reported to the credit card issuer within 24 hours of the robbery, burglary, or theft.
• Any claim must be accompanied by a report issued by the credit card issuer evidencing the amount of loss and confirming your liability for the loss.
• Singlife will only pay for such unauthorised charges, for which you are made liable, under the terms and conditions of your credit card(s).
• These exclusions and conditions are crucial for understanding the coverage limitations under this Singlife Travel Insurance Policy section.

Additionally, special conditions are to be met for a claim under this section.

Section 22: Unauthorised Use Of Credit Card

This section is specifically applicable to the Prestige Plan. 

Here’s a summary of what is covered and what is not covered under this section:

What is Covered:

Financial Loss Due to Fraudulent Use: 

The policy covers financial loss resulting directly from the fraudulent use of your credit cards. This coverage is applicable if the loss of the credit card(s) occurs due to robbery, burglary, or theft during your trip.

Conditions for Coverage:

• The loss must be reported to the credit card issuer within 24 hours of the incident.
• Any claim must be supported by a report from the credit card issuer, showing the amount of loss and confirming your liability.
• The policy covers unauthorised charges for which you are liable under the terms and conditions of your credit cards.

What is Not Covered:

• Loss or Theft of Unattended Credit Card: If the credit card was left unattended at the time of loss or theft, it is not covered.
• Losses Due to Willful Acts or Negligence: Any loss, theft, or damage resulting from your willful act, omission, negligence, recklessness, or carelessness is not covered.
• Non-Registered Credit Cards: Financial loss from credit cards not registered under your name is not covered.
• Cash Advances: Any cash advances made with your stolen credit card(s) are not covered.
• General Exceptions: Any scenarios mentioned in the General Exceptions of the policy are not covered.

This section provides protection against the unauthorized use of credit cards during travel, under specific conditions and exclusions, ensuring a level of financial safety for travelers under the Prestige Plan.

Section 23: Hijack, Hostage, & Mugging

Under Section 23 of the Singlife Travel Insurance Policy, which covers Hijack, Hostage, and Mugging, the insurer provides coverage within the stipulated policy limits. 

The policy pays S$250 for each full 24-hour period if:

• You cannot reach your destination or cannot return to Singapore as a result of the transport on which you are travelling being hijacked or you being taken as a hostage.
• You are in the hospital receiving in-patient treatment required following a mugging.

Specific Exclusions:

Additionally, there are special conditions for a claim under this section:

• You must report the mugging to the local police within 24 hours and obtain a written police report.
• In cases where a claim under Section 16 (Travel Delay) and Section 23 (Hijack, Hostage, and Mugging) arises from the same event, Singlife will pay the claim under only one of the sections.
• These exclusions and conditions are crucial for understanding the coverage limitations under this Singlife Travel Insurance Policy section. 

Section 24: Rental Vehicle Excess

Under Section 24 of the Singlife Travel Insurance Policy, which covers Rental Vehicle Excess, the insurer provides coverage within the stipulated policy limits for excess or deductible amounts that you become legally liable to pay regarding loss or damage to a rented vehicle during your trip. 

This coverage is contingent on the loss or damage the rented vehicle’s insurance policy covers.

• Singlife doesn’t cover any loss or damage arising from operating the rented vehicle beyond the limits of any public roads.
• Any loss or damage while the rented vehicle is not in your custody and control.
• Any loss or damage if you were not licensed to drive the rented vehicle or were participating in or practising for speed or time trials.
• Any loss or damage arising from wear and tear, gradual deterioration, damage from insects or vermin, inherent vice, latent defect, or damage.
• Any claim for loss or damage to the rented vehicle occurring outside the vehicle rental period or the Period of Insurance.

Additionally, there are special conditions to be met for a claim under this section:

• You must be either a named driver or a designated driver of the rented vehicle, and the vehicle must be rented from a licensed vehicle rental business.
• As part of the hiring arrangement, you must take up all comprehensive motor insurance against loss or damage to the rented vehicle during the rental period.
• You must comply with all requirements of the licensed car rental company under the hiring agreement and of the insurer under such insurance, as well as all applicable laws, rules, and regulations of the country where the rented vehicle is hired and/or driven.
• Any loss or damage arising from operating the rented vehicle violates any term of the rental agreement or any applicable laws, rules, and regulations of the country where the rented car is hired or driven.

Section 25: Rental Vehicle Return

Rental Vehicle Return of the Singlife Travel Insurance Policy applies exclusively to the Prestige Plan.

The policy covers the reasonable costs for returning a rented vehicle to the nearest hire depot if the policyholder cannot do so due to being treated as an in-patient in a hospital overseas for an accidental injury or illness covered under Section 4.

Policyholders are advised to refer to the special conditions listed under Section 24 – Rental Vehicle Excess. 

These conditions include requirements such as being a named driver, ensuring the vehicle is rented from a licensed business and adhering to the terms of the rental agreement and comprehensive motor insurance.

The exclusions listed under Section 24 – Rental Vehicle Excess also apply to Section 25. 

These include

• Loss or damage arising from operating the Rented Vehicle violates any rental agreement term or any applicable laws, rules, and regulations of the country where the Rented Vehicle is hired or driven.
• Loss or damage while the Rented Vehicle is not in the policyholder’s custody and control.
• Loss or damage if the policyholder was not licensed to drive the Rented Vehicle or was taking part in or practising for speed or time trials of any kind.
• Loss or damage arising from wear and tear, gradual deterioration, damage from insects or vermin, inherent vice, latent defect, or damage.

Section 26: Home Contents

Prestige Plan Travel Home Contents in the Singlife Travel Insurance Policy apply to the  Prestige Plan .

• The policy covers loss or damage to home contents caused by fire or theft accompanied by actual, forcible, and violent entry to the insured’s home in Singapore, provided the home was left vacant during the trip. 
• The policy defines “Home Contents” as all household items and utensils, furniture and furnishing, domestic appliances, audio and visual equipment, personal computers, personal belongings (including valuables) and clothing owned by the insured or their immediate family members permanently residing in the home, or for which the insured is legally responsible.

This section’s special conditions and exclusions include

• A payment limit of up to S$1,000 for any article set or pair of articles.
• The total claim for valuables or personal belongings shall be at most 15% of the limit shown in the policy schedule.
• The insured must report the loss to the police within 24 hours of discovering the theft and obtain a written police report.
• The insurer may settle any claim by payment, replacement, or repair of any damaged article, subject to the allowance for wear and tear and depreciation.
• Exclusions include any part of the structure or renovation of the home, including ceiling, wallpaper, and the like, or any damage to shared or common areas of the house.
• This excludes certain items like deeds, bonds, cash, currency notes, perishable goods, livestock, motorised vehicles, bicycles, boats, aircraft, and any attached accessories.
• Items used for business or work purposes are not covered.
• Any conditions mentioned in the General Exceptions section of the policy are also excluded.

Section 27: Domestic Pet Care

This section only applies to the Prestige Plan.

Within the stipulated policy limit, we will pay the following amount per 24 hours of extended stay of your Domestic Pet in a pet boarding house (per household).

The section you’re inquiring about, Section 27 – Domestic Pet Care, from the Singlife Travel Insurance policy for the Prestige Plan, offers specific coverage related to domestic pets. 

Under this section, Singlife provides coverage for the extended stay of your domestic pet in a pet boarding house within the specified policy limits. This coverage is applicable per household.

Key points to note:

Coverage Limits:  The policy will detail the amount covered per 24 hours of extended stay.

Applicability:  This coverage is exclusive to the Prestige Plan and is per household.

Policyholders must review the policy document for exact coverage amounts and any specific conditions or exclusions in this section.

Exclusions:  For detailed exclusions specific to this section, refer to the ‘What is not covered’ part under Section 27. 

General exclusions applicable to the entire policy will be addressed separately.

COVID-19 Cover

Singlife extends coverage for claims related to COVID-19, provided the insured is not travelling against any travel advisory issued by the Singapore government. The coverage is subject to the following terms and conditions:

Emergency Medical Cover and Repatriation due to COVID-19

If the insured is diagnosed with COVID-19 by an approved test provider or doctor during the trip, Singlife will cover:

Overseas Medical Expenses:  Necessary and reasonable costs of medical treatment by a doctor, including rescue services to transport the insured to a hospital.

Emergency Medical Evacuation:  If deemed medically necessary by Singlife’s Appointed Medical Emergency Assistance provider, the insurer will cover the cost of transportation and en-route medical care to the nearest medical facility or back to Singapore. This Singlife includes the assignment of a doctor and/or nurse to accompany the insured.

Repatriation due to COVID-19:  In the event of the insured’s death overseas due to COVID-19, Singlife will arrange and cover the cost of returning the body or ashes to Singapore or the insured’s home country (if not a Singaporean). This also includes reimbursement for coffin and funeral expenses if the death occurs within 12 months due to COVID-19 while overseas.

Overseas Quarantine Allowance Due to COVID-19:

This benefit is available only for Plus and Prestige Plan holders. 

Suppose the insured is unexpectedly diagnosed with COVID-19 and placed under Quarantine during the trip. In that case, Singlife will pay the following amount for every full consecutive 24 hours of detention:

• Prestige Plan:  S$100 (up to a maximum of 20 days)
• Plus Plan:  S$50 (up to a maximum of 20 days)
• Lite Plan : Not covered

Singlife clarifies that for this section, the policy will only pay the quarantine allowance or any reasonable extra charges incurred due to the insured’s extended stay, but not both for the same event.

Special Conditions under COVID-19 Care

Please refer to the ‘Special conditions’ section under Section 4 – Emergency.

Medical Cover:

You must comply with all the travel requirements imposed by the Singapore government authority and the country of your destination relating to COVID-19, including but not limited to COVID-19 diagnostic tests, vaccination, quarantine or isolation required for your trip.

What is Not covered under COVID-19 Cover

• ‘What is not covered’ under Section 4 – Emergency Medical Cover.
• Any claim if you fail to obtain any mandatory COVID-19 diagnostic test required

by the Singapore government authority.

• Any claim if your COVID-19 diagnostic test result is positive before your trip
• (Not applicable for h(iii) – Trip Cancellation/Postponement Due to COVID-19).
• Any claim for mandatory COVID-19 diagnostic tests or vaccines or
• Quarantine expenses required for your trip.
• Any medical treatment for COVID-19 is sought within Singapore.

Trip Cancellation/Postponement Due to COVID-19

• Travel & Accommodation Costs : If the insured has to unavoidably cancel or postpone their trip within 30 days before departure due to a COVID-19 diagnosis of themselves, their Travelling Companion, or Close Relative. This includes costs for travel (air, sea, or land), accommodation, and Entertainment Costs charged by licensed providers (transport providers, accommodation providers, tour operators, or travel agents) that the insured has paid or is legally obligated to pay and cannot recover.
• Administrative Fees and Additional Travel Expenses : Reasonable administrative fees and/or additional travel expenses for travel and accommodation costs and Entertainment Costs charged by licensed providers, which the insured has to pay due to cancellation or postponement.
• Singlife specifies that this policy will cover claims under this section for either Trip Cancellation or Trip Postponement, but not both.

Trip Interruption Due to COVID-19

Singlife provides coverage within the policy limits for:

• Unused Travel & Accommodation Costs:  If the insured has to cut short their trip and return to Singapore or change any part of the trip’s original itinerary due to a COVID-19 diagnosis of themselves, their Travelling Companion, or Close Relative during the journey. This includes unused travel (air, sea, or land), accommodation, and Entertainment costs charged by licensed providers that the insured cannot recover.
• Additional Administrative Expenses & Travel Costs : Any additional administrative expenses incurred in modifying the original travel and accommodation expenses. Other expenses include economy-class transport and reasonable extra charges for accommodation if the insured has to stay beyond the intended return date. For clarity, Singlife states that the policy will pay either for the reasonable extra charges for accommodation under this section or the Overseas Quarantine Allowance, but not both for the same event.

Special Conditions under Trip Cancellation/Postponement/Interruption

• Reference to Trip Cancellation Section:  Policyholders are advised to consult the ‘Special conditions’ specified under Section 12a – Trip Cancellation of the Singlife Travel Insurance policy for detailed conditions and requirements.
• Compliance with Travel Requirements:  Policyholders must adhere to all travel-related requirements set by the Singapore government and the destination country’s authorities concerning COVID-19. This includes but is not limited to, adhering to guidelines regarding COVID-19 diagnostic tests, vaccinations, and any mandatory quarantine or isolation protocols necessary for the trip.

Exclusions for COVID-19 Coverage (Exclusions in Trip Cancellation and Trip Interruption Sections

The exclusions listed under Section 12a – Trip Cancellation and Section 15 – Trip Interruption of the Singlife Travel Insurance policy also apply to sections (h) iii & iv. Policyholders should refer to these sections to understand what needs to be covered regarding trip cancellation and interruption due to COVID-19.

• Exclusions in Earlier COVID-19 Coverage Sections:  The exclusions specified under sections (h) i & ii of the Free Extensions related to COVID-19 coverage apply to sections (h) iii & iv. Any exclusion listed under the initial COVID-19 coverage sections will also be relevant for these subsequent sections.

Below is a summary table outlining the Free Extensions that are included in the Singlife Travel Insurance policy.

This table presents the coverage details for the Lite, Plus, and Prestige plans under Singapore’s Singlife Travel Insurance policy. 

Each feature’s coverage limits and availability vary depending on the plan chosen.

Optional Add-Ons for Singlife Travel Insurance Policy

Section 28: optional cover: overseas wedding & photoshoot, what is covered.

• Loss of Ceremonial Attire & Wedding Accessories:
• Singlife Travel Insurance covers accidental loss, theft, or accidental damage during the trip.
• The coverage limit is up to S$2,000 for any article or set of articles.
• Loss of Marriage Certificate:
• Singlife Travel Insurance covers the administrative fee for replacing a lost or damaged marriage certificate during the trip.
• Financial Failure of Licensed Wedding Service Providers:
• Singlife Travel Insurance covers unused deposits or wedding costs due to the insolvency of pre-booked licensed wedding service providers.
• Loss of Wedding Photo Album:
• Singlife Travel Insurance covers replacement and delivery costs for a lost or damaged wedding photo album during delivery to Singapore.
• Coverage is valid until delivery of the album or up to 60 days after arrival in Singapore, whichever is earlier.
• Personal Liability of Invited Guests:
• Covers damages, claimants’ costs, and expenses related to an accident caused by invited guests at the wedding venue that results in death, injury, or property damage.
• Loss of Ceremonial Attire and Wedding Accessories:
• The first S$100 of any replacement or repair costs.
• If a claim is made under multiple sections for a single event.
• Exclusions specified under Section 21 – Loss of Passport or Travel Documents.
• Claims without a written contractual agreement with the service providers.
• Expenses that the service providers have refunded.
• Coverage does not extend beyond 60 days after arrival in Singapore or after the delivery of the album.
• Incidents involving representatives of wedding service providers or persons at the venue for work purposes.
• Incidents in areas not reserved for the wedding
• Any claim for service provided not defined under Wedding Service Providers.
• Any amount for loss that you can claim from another source.
• Any claim arising from circumstances known to you or in the public domain at the time of issue of this insurance or before you enter into the contract.
• Any claim for more than one incident per Period of Insurance.

Section 29: Optional Cover: Golf Holiday

Loss of Golfing Equipment:

• Accidental loss, theft, or damage to golfing equipment during the trip, including actual play or practice at recognised golf courses or ranges.
• Coverage up to S$1,000 for each article or set of articles.

Hire of Golfing Equipment:

• Up to S$100 daily for hiring replacement golfing equipment due to accidental loss, damage, or delay over 12 hours.

Hole-In-One:

• Reimbursement for the cost of food and beverages at a golf clubhouse to celebrate a Hole-In-One at a recognised golf course or range.

Damage of Buggy:

• Repair costs for accidental damage to a rented buggy during play or practice at recognised courses or ranges.

Unused Green Fees:

• Non-refundable pre-booked green fees if unable to play golf at any recognised course or range due to accidental injury or illness.

What is Not Covered & Special Conditions

• The first S$100 of any replacement or repair cost.
• Subject to special conditions and exclusions under Section 19 – Loss or Damage of Baggage & Personal Belongings.
• Requires written confirmation from the carrier on the duration of the equipment delay.
• Claims must be supported by a Hole-In-One certificate from the golf club and original receipts for celebration expenses.
• Compliance with the rental agreement is required.
• The insured must be at least 16 years of age.
• Claims must be supported by a doctor’s memo confirming the inability to play golf due to injury or illness.

Section 30: Optional Cover Winter Sports

Accidental Death and Permanent Disablement

• Coverage under Section 1a if an accidental injury during winter sports activities leads to death or such disablement.

Emergency Medical Cover (Aggregate)

• Extended coverage under Section 4 for accidental injuries requiring immediate medical treatment during winter sports activities.

Personal Liability Extension

• Coverage under Section 11 for damages, claimants’ costs, and expenses for accidents during winter sports that cause death, injury, or property damage.

Loss of Winter Sports Equipment

• Coverage for accidental loss, theft, or damage to winter sports equipment during the trip, including engagement in winter sports activities, up to S$1000 per article or set.

Hire of Winter Sports Equipment

• Up to S$100 a day for hiring replacement winter sports equipment due to accidental loss, damage, or a delay of more than 12 hours.

Loss of Deposit due to Ski Track/Piste Closure

• Reimbursement if prevented from participating in winter sports activities due to accidental injury, illness, or closure of ski track/piste at the pre-booked resort due to bad weather conditions.

Ski Pass and Ski Lift Pass

• Payment for the inability to use the ski pass and/or ski lift pass due to accidental injury, illness, accidental loss, or theft of the pass.

Delay due to Avalanche

• Payment for a delay of at least 6 hours in arrival at or departure from the booked resort due to an avalanche.
• Subject to special conditions and exclusions under Section 1a – Accidental Death, Permanent Disablement & Burns Benefit.
• Subject to special conditions and exclusions under Section 4 – Emergency Medical Cover.
• Exclusions under Section 11 – Personal Liability.
• First, S$250 for any replacement or repair of winter sports equipment.
• Subject to wear and tear allowances and exclusions under Section 19 – Loss or Damage of Baggage & Personal Belongings.
• Requires written confirmation from the carrier of the number of hours you were without your winter sports equipment.
• Requires a doctor’s memo confirming the inability to participate in winter sports activities due to injury or illness.
• Requires written confirmation from the resort management confirming the number of days and reason for ski track/piste closure.
• Loss, theft, and malicious acts require a police report or a report from the relevant authority within 24 hours of the loss.
• Requires written confirmation from the resort management confirming the delay due to an avalanche.

Section 31: Optional Cover: Adventurous Water Sports

Suppose you participate in adventurous water sports activities not listed in Table 31. In that case, you will not be covered for claims arising directly or indirectly from participating in the activity. 

Suppose you do not hold a diving qualification. In that case, the insurer will only cover you to dive to a maximum depth of 30 metres when accompanied by and under the direct supervision of a qualified diving instructor as part of an accredited course.

Extension of cover under Section 1a if an accidental injury occurs during adventurous water sports, leading to death or disablement.

• Extension of cover under Section 4 for immediate medical treatment due to accidental injury during adventurous water sports.
• Extension of cover under Section 11 for legal liabilities (death, injury, property damage) due to an accident during adventurous water sports.

Loss of Water Sports Equipment

• Cover for accidental loss, theft, or damage to water sports equipment during the trip, including during adventurous water sports activities.

Hire of Water Sports Equipment

• Up to S$100 a day for hiring replacement water sports equipment due to accidental loss or damage or if the equipment is delayed for more than 12 hours.
• Subject to ‘Special Conditions’ and exclusions under Section 1a.

Em ergency Medical Cover (Aggregate)

• Subject to ‘Special Conditions’ and exclusions under Section 4.
• Exclusions under Section 11.
• The first is S$25
• This coverage is subject to the conditions and exclusions related to the loss of water sports equipment as outlined in Section 31(d).

General Exclusions

These exceptions apply to all sections of this policy unless otherwise specified. The insurer does not provide coverage for:

• War and Related Events
• Actions Linked to War or Terrorism
• Radioactivity
• Sonic Bangs
• Pollution or Contamination
• Wilful Acts or Negligence
• Unattended Property
• Pre-existing Medical Conditions 
• Manual Work
• Sanction Limitation & Exclusion

There is not benefit if you are travelling through the following countries:

• Afghanistan
• Democratic Republic of Congo
• Sudan, or 

Free Extensions Under Singlife Travel Insurance

Here are a summed up points of the Free Extensions available under the Singlife Travel Insurance policy:

Loss of Frequent Flyer Points

Singlife will compensate the retail price of an airline ticket, Entertainment Cost, or booked accommodation purchased using Frequent Flyer Points in full if cancelled due to events covered under the policy. This Singlife Travel Insurance is applicable provided the loss of such points cannot be recovered from any other source.

Disappearance

In the event of the disappearance of the scheduled ship, aircraft, or train during the trip, leading to the inability to find the insured’s body within one year from the date of the accident, Singlife will consider the insured as legally dead. Compensation for Accidental death will be provided per the policy’s Schedule of compensation under Section 1a, with the condition that any beneficiary signs an undertaking to refund the amount if the insured is found alive.

Drowning or Suffocation by Smoke, Poisonous Fumes, or Gas

Singlife offers coverage under Section 1a for Accidental death, Permanent Total Disablement, or Accidental injury caused by drowning or suffocation by smoke, poisonous fumes, or gas, excluding events arising from the insured’s wilful or intentional act.

Motorcycling

The policy includes coverage for motorcycling, provided the insured wears a crash helmet, the driver holds a valid motorcycle license, and the insured is not engaged in motorcycling as a professional or in activities like speed or time trials, sprints, or racing of any kind. Note that personal liability cover for motorcycling is not included.

Pregnancy or Childbirth-related Conditions

Singlife will provide benefits under Section 12a, Section 14, or Section 15a if the insured is unfit to travel or continue with the trip due to pregnancy or childbirth-related conditions. These conditions must not be related to any Pre-Existing Medical Condition, and the expected delivery date should be no less than 12 weeks (or 16 weeks for a multiple pregnancy) before the planned return date.

Automatic Extension of Cover

The policy will automatically extend without additional premium if the insured cannot return home before the end of the Period of Insurance due to a delay in public transport (where the insured is not the cause of the delay) or due to accidental injury, illness, or quarantine. Singlife will continue to cover medical treatment under Section 4 – Emergency Medical Cover during this extended period if deemed medically necessary.

Full Terrorism Cover (Aggregate)

Singlife provides coverage up to the aggregate amount detailed in the policy for claims arising directly or indirectly from Terrorism. 

Terrorism is defined comprehensively, including the use or threat of force and/or violence, harm or damage to life or property by various means for political, religious, ideological, or similar purposes.

How to Claim Singlife Travel Insurance

You should follow these steps to  file a claim with Singlife Travel Insurance .

Register Your Account

• Register through the Singlife web portal ClaimConnect or download the Singlife app for iPhone or Android. 
• ClaimConnect allows you to find the nearest panel clinic, file claims, and check claim status.
• Click on “Claims / Make a claim” to begin submitting. 
• You must provide documents like medical bills, reports, or referral letters. Retain original documents for swift processing.
• Claims must be submitted within 30 days of the incident or as soon as possible.
• Providing and submitting documents like medical bills, reports, or referral letters are required to facilitate the claims process and avoid delays is important.
• Claim Review: Singlife will process claims within 10 to 14 working days of receiving all required documents. They will contact you for further clarification if needed.

Mail Original Documents

• You should indicate your policy number on the original documents for claims requiring reimbursements for upfront expenses (like medical receipts, purchase receipts, etc.).
• These documents should be mailed to Singlife Travel Insurance Claims, Singapore Life Ltd., 4 Shenton Way, #01-01 SGX Centre 2, Singapore 068807.

Acknowledgement and Further Communication

• Singlife will send an acknowledgement email within 3 working days after your claims submission.
• They will contact you within 30 working days if further information is needed.
• Once your claim is approved, the payout will be made via PayNow within 3 business days. Ensure your PayNow account is registered under your NRIC to receive the payment. If not, a physical cheque will be mailed within 14 business days.
• For more details or to view and submit claims online, visit the Merimen e-Claims portal.

Please note that it’s essential to have all required documents and complete relevant forms found in the form library on the Singlife website for successful claim processing.

Disclaimer: Each article written obtained its information from reliable sources and should be purely used for informational purposes only. The information provided by Dollar Bureau and its affiliated parties is not meant to be construed as financial advice. Dollar Bureau shall not be held liable for any inaccuracies, mistakes, omissions, and losses incurred should you act upon any information listed on this website. We recommend readers to seek financial planning advice from qualified financial advisors. 

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Cruise Travel Insurance Tips

• Why You Should Trust Us

Best Cruise Insurance Companies of April 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

A cruise vacation can take much of the stress out of planning a vacation. With a pre-set itinerary on the high seas, you don't have to worry about how you're getting to your destination and what you're going to do there. However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best travel insurance coverage that won't leave you high and dry in an emergency.

Best Cruise Insurance Companies

• Nationwide Travel Insurance : Best Overall
• AXA Assistance USA : Best for Affordability
• Seven Corners Travel Insurance : Best for Seniors
• HTH Worldwide Travel Insurance : Best for Expensive Trips
• World Nomads Travel Insurance : Best for Exotic Locations

Compare the Top Cruise Insurance Offers

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

• Cancel for any reason coverage available

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

Cruise Insurance Reviews

Best cruise insurance overall: nationwide travel insurance.

Nationwide Travel Insurance  is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

It has three cruise insurance options: Universal, Choice, and Luxury. The Nationwide Choice plan, for example, offers $100,000 in emergency medical coverage and $500,000 in emergency medical evacuation coverage.

The right plan for you depends on your budget and coverage needs. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship.

Read our Nationwide Travel Insurance review here.

Best Cruise Insurance for Affordability: AXA Travel Insurance

AXA Assistance USA  offers three comprehensive coverage plans: Gold, Silver, and Platinum. Each of these plans offers coverage for issues like missed flights, medical emergencies, lost luggage, and more.

The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.

In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise.

The coverage limits on AXA's policies are on the higher end compared to other providers. And you can buy coverage for a little as 4% of your trip cost depending on your age, travel destination, and state of residence.

Read our AXA Travel Insurance review here.

Best Cruise Insurance for Seniors: Seven Corners Travel Insurance

Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. While other providers do offer coverage to those 80+ years old, Seven Corners is known for its affordable premiums while offering above-average medical expenses and medical evacuation coverage limits — two areas of travel insurance coverage that are even more important as we get older.

Seven Corners also offers the option of a preexisting conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

You can choose between the Trip Protection Basic or Trip Protection Choice plans, with the higher-tier Choice plan costing more but providing more coverage.

Read our Seven Corners Travel Insurance review here. 

Best Cruise Insurance for Expensive Trips: HTH Worldwide Travel Insurance

HTH Worldwide Travel Insurance  offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The higher the tier, the more coverage you'll get for things like baggage delays, trip delays & cancellations, and medical expenses. But their premiums remain reasonable even at the highest tier of coverage.

Not only does the HTH Worldwide Trip Protector Preferred plan offer higher-than-average medical emergency and evacuation coverage limits ($500,000 and $1 million, respectively), but you'll also get a baggage loss coverage limit of $2,000 per person and coverage for trip interruption of up to 200% of the trip cost. You also have the option to add CFAR coverage for an additional cost.

Read our HTH Worldwide Travel Insurance review here.

Best Cruise Insurance for Exotic Locations: World Nomads Travel Insurance

World Nomads Travel Insurance  has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too.

Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. And you'll get higher coverage limits with their Premium Plan. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues.

What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise.

Read our World Nomads Travel Insurance review here.

Introduction to Cruise Insurance

Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical.

Understanding the Basics of Cruise Insurance

At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage. Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference.

Why Cruise Insurance is Important

Picture this: You're all set for your dream cruise, but a sudden family emergency means you can't set sail. Or worse, you fall ill in the middle of the ocean. Without cruise insurance, you're not just missing out on an adventure, but also facing potentially huge financial losses. That's why securing cruise insurance isn't just recommended; it's a crucial part of your cruise planning.

Types of Cruise Insurance Coverage

Cruise insurance isn't a one-size-fits-all life jacket. There are various types of coverage, each tailored to protect different aspects of your cruise experience.

Trip Cancellation and Interruption Coverage

This coverage is like your safety net, catching you financially if you need to cancel your trip last minute or cut it short due to emergencies, be it due to personal, health-related, or even certain work conflicts.

Medical Coverage

Being on a cruise shouldn't mean being adrift from medical care. Medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances.

Emergency Evacuation Coverage

In the rare case that you need to be evacuated from the ship due to a medical emergency or severe weather, this coverage ensures you're not left adrift in a sea of expenses.

Baggage and Personal Effects Coverage

Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience.

Buying Cruise Insurance

Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs.

When to Purchase Cruise Insurance

Timing is everything. Purchasing your insurance soon after booking your cruise can often provide additional benefits and ensure you're covered for any early surprises. As you get closer to your trip your coverage options may get more expensive, and certain providers may not be able to offer you coverage.

How to Find the Best Deals on Cruise Insurance

Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like SquareMouth is a good place to compare multiple quotes from all of the major carriers at once.

How to Pick The Best Cruise Insurance for You

When buying travel insurance for a cruise, consider the additional risks that are specific to cruising. These include hurricanes and other weather-related concerns, strict cancellation terms, high pre-paid costs of a cruise, and the distance to emergency medical assistance.

To find the policy that's right for you, it's best to compare several different cruise insurance policies based on the pricing and coverage they provide. Remember too that all reputable insurance providers will offer a "free-look period." This allows you to return the policy you've purchased for any reason, within a specific time period, for a full refund.

The most important coverages to look for in cruise insurance are:

• Medical coverage — This coverage will pay for medical bills outside the US. But because treatment can be more expensive while onboard, make sure your policy offers sufficient coverage ($100,000+).
• Medical evacuation coverage — This coverage will transport you to the nearest hospital or even back home if you become sick or injured during your journey. But an evacuation from sea will be more expensive than one from land. So you'll want to make sure your coverage has sufficiently high limits ($250,000+).
• Missed connection (missed port of call) coverage — This type of coverage will help you catch up to your itinerary if you miss your port of call for a covered reason, like a delayed flight on the way to the airport.
• Coverage for hurricane warnings — With this type of coverage, you don't actually need to be affected by the hurricane. You can cancel and be reimbursed for your trip if the NOAA issues a hurricane warning. If you're cruising anywhere during (or on the tail ends) of hurricane season, this can come in handy. Just note: You can't buy travel insurance to cover a weather event once a storm or hurricane has been named.
• Cancel for any reason (CFAR) — This is the most comprehensive coverage you can get, as it allows cancellations and reimbursement for pre-paid expenses for any reason. This can be a wise add-on for cruise coverage given the often higher prepaid expenses associated with cruising. See our guide to the best CFAR travel insurance options to learn more.
• Preexisting conditions — This coverage ensures that no known health conditions are excluded from coverage. Obtaining a preexisting condition waiver usually requires purchasing your travel insurance soon after booking your trip.
• Personal possessions insurance — Because of the events and fancy dinners cruise ships hold, you might take more valuable clothing or jewelry with you on a cruise. This type of coverage will insure your belongings against loss or theft while cruising.
• Baggage loss and delay — This coverage will reimburse you up to a specified amount for essentials if your bags are delayed or if your bags get lost en route.

As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage. The price will vary depending on factors like your age, your travel destination, and whether you require additional coverage.

If you're booking a cruise, we recommend purchasing travel insurance when you make your first trip payment. That could be for the cruise itself or an expense like airfare to get you to your cruising destination. This way, if you have to cancel your trip, you'll have the most extended coverage period possible.

You can buy your own cruise insurance that isn't offered directly through the cruise line operator. In fact, this could be a better option if you want coverage for your travel to the cruise's departure point, not just for the cruise itself.

The difference between traditional travel insurance and cruise insurance is that cruise insurance offers more specialized coverage, for situations such as missing a departure port and more coverage for medical evacuations, since it's more expensive to evacuate someone at sea than on land. 

Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim, and before you travel so you know what compensation you're entitled to.

Why You Should Trust Us: How We Chose the Best Cruise Travel Insurance

When comparing cruise travel insurance providers, we evaluated them based on the following criteria to come up with our list of top picks:

Customer Satisfaction

We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction. We also look at customer review sites like Trustpilot and SquareMouth.

Policy Types

We look at policy types and offerings, from standard travel protections to adventure sports coverage. We look at the amount of insurance offered

Average Premiums

We compare average premiums per trip. Some companies also offer annual plans, and we compare policies accordingly.

Claims Paid

How frequently do companies pay claims easily and quickly? We check customer reviews and other resources to see which companies honor policies most effectively.

We look at the company's overall behavior. Is it operating ethically? Companies can earn additional points for such behaviors.

You can read more about how Business Insider rates insurance here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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