cruise insurance singapore

6 Best Cruise Insurance in Singapore to Keep You Safe Onboard [year]

Keep yourself safe with the best cruise insurance in Singapore!

Singapore Business Owners

For the travel-starved, going on a cruise to nowhere is an option. However, with COVID-19’s impact on travel restrictions, cruise insurance is all the more important to protect yourself and your loved ones.

In this article, we shortlisted the top 7 cruise insurance in Singapore for your next cruise to nowhere!

1. AIG Travel Guard Direct

AIA recognises that travelling has taken on a new norm. and thus enhanced their market-leading travel insurance coverage, Travel Guard Direct with more COVID-19 coverage for cancellations or interruptions to your cruise holiday due to covered conditions. However, do note that this is only applicable for selected plans.

2. FWD Travel Insurance

As we see more rule changes to regulations on social gatherings in Singapore, it makes it even harder for those who have pre-planned cruise trips, only to have them cancelled at the last minute due to changes in regulations.

The FWD Travel Insurance provides coverage in many areas of a cancelled trip, trip disruption and also a postponed trip before you leave Singapore.

3. Allianz Cruise Insurance

Like many plans available in the market, OneTrip Prime includes key benefits like trip cancellation/interruption, emergency medical and emergency transportation. We also like them for their pre-existing medical condition coverage. Kids 17 and under are covered for free when traveling with a parent or grandparent.

With Allianz Global Assistance, a 24-Hr Hotline Assistance has a multilingual assistance team available to tend to your travel emergencies.

4. Sompo Travel Insurance

Customers have a choice between the Essential plan or a higher coverage Superior plan. The Superior plan has up to $200,000 in medical expenses coverage and up to $4000 in trip cancellation and postponement.

As we see more and more insurers stepping up to provide travel-related coverage, we recognise its paramount importance in protecting us amid these trying times.

5. Starr Cruise Travel Insurance

Good news! There is an ongoing promotion for the Starr Cruise To Nowhere Travel Insurance where you’ll get a S$10 PayNow voucher from SingSaver when you sign up. With this, secure your trip starting from $12 per day with flexible coverage that allows you to create a travel insurance plan with different types of coverage and add-ons for your specific needs.

6. MSIG Travel Easy

If your plans go awry and you cancel your cruise vacation, the MSIG TravelEasy plan provides a comprehensive cover with over 50 benefits. We like them for their emergency medical evacuation benefits where across all Travel Easy  plan types, emergency medical evacuation and repatriation is at a high limit of $1,000,000.

Do you have any reviews and comments to share regarding our choices for the best cruise insurance in Singapore?

While  SBO  is committed to supporting our local businesses, we welcome any feedback and anonymous sharing regarding your experience with the above-listed best cruise insurance picks in Singapore.

We hope that this guide will be useful in helping you to make a better decision when it comes to finding the best cruise insurance in Singapore.

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The Finest Cruise Insurance in Singapore

Taking a cruise is a thrilling experience that offers a unique combination of adventure and leisure on the vast ocean. You must plan for the unexpected and make sure you are at ease as you embark on your marine adventure from Singapore. Introduced in Singapore, Cruise Insurance is your defense against unforeseen mishaps and crises while cruising the colorful seas. We’ll navigate the complexities of cruise insurance in this guide, going over the many coverage options and helpful extras that promise to make your trip on the seas worry-free. Set sail with assurance as we discuss the essentials of obtaining all-inclusive cruise insurance that is customized for your particular journey.

Best Cruise Insurance in Singapore

Outdoor activities and expanded terrorist coverage are among the more than 50 services that MSIG insurance offers coverage for. Additional vital medical protection is also provided, such as accident benefits for pregnancies.

There is no upper age restriction for their premium plan, which also covers pre-existing medical illnesses, international hospitalization fees, and emergency medical evacuation and repatriation. They do provide some of the best cruise insurance in Singapore with this selection.

Highlights:

• Easy claim process
• Adventurous activities coverage

Good customer experiences. In fact, most consumers evaluate pricing upfront prior to insurance purchases. I evaluated MSIG services & their excellent customer responsiveness is impressive, including travel claims, and helper claims. I will repeatedly buy their products & highly recommend them to others, including family members . – Pei Hoon Lee

FWD Singapore

One of the most famous internet insurance companies on the island is FWD Singapore, which has won several awards for its work. They provide a variety of travel insurance benefits, including reimbursement for delays due to haze or inclement weather, unlimited medical evacuation coverage, and more.

Additionally, they provide a range of insurance solutions, from basic protection to premium protection, in the case of theft or damage to your belongings, as well as delays in transportation or luggage. The insurance is more practical for use in emergencies because it can be simply claimed using your mobile app.

• Worldwide emergency assistance
• Fraudulent personal credit card usage
• Additional coverage

Exceptional insurer with competitive products. Always a breeze to speak to their hotline. Their staff is helpful and knowledgeable. Recently made a claim on PA policy through their app as advised by the hotline and the process was very fuss-free. The claim was paid out quickly too. Impressed! – Joan Wang

AIG provides a wide range of insurance choices, including travel insurance that gives thorough protection. They can help you deal with any issue, including pre-departure bother, medical attention, travel or aircraft delays, personal injury, delayed baggage, and more.

Their insurance policies cover all travel charges such as transportation, lodging, Visa, and excursion costs in the event of trip cancellation or issues with the lodging provider.

You may use your insurance coverage whenever and wherever you need it with the help of the finest cruise insurance in Singapore, which provides 24/7 international travel support services through its international service centers across the globe.

• 24/7 in-house global assistance
• Inclusive medical services
• Responsive claims

AIG is very reliable. Their staff is also very helpful and friendly. They are knowledgeable and are able to answer my questions, and if they don’t, they will investigate and revert to me promptly. I will go with AIG anytime! – Sivashanmugam S

Starr Cruise Travel Insurance

The good news is that there is a new deal for the Starr Cruise to Nowhere Travel Insurance, and when you join up, SingSaver will give you a S$10 PayNow coupon. Plan your travel starting at $12 per day with a number of coverage options and add-ons customized to your requirements with this in mind.

• Medical expenses up to SG$1,000,000 including in and outpatient expenses and treatments
• Seamless and Cashless claims via PayNow
• Personal accident benefit of up to SG$500,000 maximum limit, covering 18 different insured events of disablement and accidental death

It’s been a week since my first-ever vacation in Europe. If it weren’t for Starr’s affordable rates, I never would have had travel insurance during my trip. Made me more confident to explore the place and just have fun. If you’re a first-time traveler like me, I highly recommend them . – John David Armecin

From organizing family holidays to going on solo experiences, NTUC offers a variety of travel services. Their comprehensive coverage includes personal accidents, medical costs, loss and damage to personal items, delays in travel or luggage, and other services.

Their two insurance plans, which mostly focus on medical support, are available to you. Thus, they may be the finest Singapore cruise insurance for you if you’re traveling with parents and other loved ones who have pre-existing conditions.

• Family members coverage
• Overseas study protection plan

Concepts were explained clearly and concisely. All in all, it was an eye-opening experience. The trainer is very competent and experienced. He shared a few of his past experiences as a paramedic and it gave us a better understanding and insights into the requirement of a First-Aid Responder . – Sayed Abdul Rasyid

Singlife with Aviva

Travel delays, illegal purchases, accidental incapacity, and death are all covered by the range of travel insurance solutions provided by Aviva. They offer dependable service with round-the-clock, every day of the week, emergency travel help.

Additionally, they provide specialized travel insurance for international sporting events, weddings, and picture shoots. As a consequence of these advantages, they have developed a reputation for offering some of the best cruise insurance in Singapore.

• Basic and enhanced insurance plans
• Offers a variety of travel insurance options

Had a great claims experience under the Group Insurance policy I have with Aviva. The customer Service Exec was extremely helpful and helped with a letter of guarantee which resulted in cashless hospitalization. All in all, they did what they suppose to do – paid my claim! – Sapna Kalra

Finally, as you are ready to go off on the magical voyage of a cruise from Singapore, getting Cruise Insurance becomes the compass that leads you through uncharted territory. It takes foresight to navigate the shifting waves, but with the correct coverage, you can cruise with assurance that unforeseen hiccups won’t ruin your nautical journey. Cruise insurance in Singapore is your go-to resource for security against lost bags, medical problems, and canceled trips. Allow the knowledge that you will have complete coverage to accompany you on your journey and add to the excitement of discovery, making every second spent at sea a once-in-a-lifetime opportunity. Good luck on your journey!

Do check out our list of Home Insurance and have time to check their services.

Frequently Asked Questions

What insurance do you need for cruise?

Can you add cruise insurance after booking, do cruise ships have insurance, why do i need cruise insurance for my trip from singapore, what does cruise insurance in singapore typically cover, are there specific cruise insurance options for different destinations from singapore, can i purchase cruise insurance after booking my cruise from singapore, do cruise insurance policies in singapore cover pre-existing medical conditions.

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InsureCruise

Enjoy every moment of your cruise with peace of mind. Get 10% off* when you purchase InsureCruise from now till 31 July 2024. *Terms and conditions apply.

Enjoy 10% off when you apply now! Till 31 July 2024. View Promotion Terms and Conditions here

Planning a cruise?

InsureCruise offers comprehensive and affordable coverage so you can enjoy every moment of your cruise holiday with peace of mind.

Protect yourself against unforeseen circumstances including COVID-19*, with InsureCruise.

Extensive coverage

Receive essential coverage before and during your trip; from trip cancellations, accidents, to serious illness (including COVID-19) and food poisoning medical expenses ^ . ^ Exclusions apply.

Daily stay allowance

Receive financial relief if you are hospitalised due to accident or serious illness (including COVID-19).

Disinfecting house expenses

Receive reimbursement of up to S$500 per household.

Before your trip

During your trip, frequently asked questions.

• What is the age eligibility for InsureCruise? Applicant age from 1 to 80 years old is eligible to purchase this travel insurance.
• I perform an Antigen Rapid Test (ART) before my trip and the result is “Positive”. I have to cancel my trip. Will InsureCruise cover my trip expenses? Yes, if your trip is cancelled due to yourself being diagnosed with COVID-19, we will provide a reimbursement of the irrecoverable expenses. The cover is effective only if this travel insurance is purchased before you become aware of any circumstances which could lead to the cancellation of the trip and the occurrence of any of the insured events must happen seven (7) days prior the commencement of the trip. However, please note that this travel insurance does not cover any costs associated with test kits.
• Besides trip expenses, what other insurance benefits will InsureCruise cover me if I contract COVID-19? If you have been fully vaccinated and still diagnosed with COVID-19 and is required to be admitted to the hospital or community care facility or community recovery facility for treatment of COVID-19, this travel insurance will pay you S$100 per day up to 7 days for each complete day stay. Such event is to happen at least seven (7) days prior the commencement of the trip We will also pay you a lump sum benefit of S$100 upon your discharge from the facility with a minimum five (5) days of treatment. In addition, we will reimburse you up to S$500 for the expense required to engage a licensed contractor to disinfect your house. Please refer to the policy contract for more information.
• Can I still apply if I have just recovered from COVID-19? Yes, you can still apply for InsureCruise as COVID-19 is not considered as a Pre-existing condition.
• I came down with food poisoning after consuming my buffet dinner in the cruise. Will my medical expenses be covered? Yes, InsureCruise will reimburse you for the medical expenses incurred within forty-eight (48) hours from the date of the incident that gave rise to the food poisoning happening during your trip. Please refer to the policy contract for more information.
• Can I purchase InsureCruise for my family or friends? Yes, you may. Please ensure you have their consent before purchase and to inform them upon successful purchase of this travel insurance.
• When does InsureCruise cover commence? The insurance commences when you leave your place of residence or business in Singapore (whichever is the later) and ends at the time of return to your residence or business in Singapore or expiry of the Certificate of Insurance/ Schedule (whichever is the earlier). Trip Cancellation starts seven (7) days prior the commencement of the trip.
• If I cancel my InsureCruise policy, can I get a premium refund? There is no refund of insurance premium paid once the Certificate of Insurance and/or Schedule is issued and premium charged.
• How can I make a claim? You may contact our Claims Division at 6222 7733 during UOI business hours. We will advise you on the claim procedure depending on the type of claims. UOI’s business hours Monday to Thursday: 8:45am to 5:45pm Friday: 8.45am to 4.45pm Closed on weekends and public holidays.

Important information

Important notice and disclaimers.

The above is provided for general information only and is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the policy and will be sent to you upon acceptance of your application by United Overseas Insurance Limited ("UOI"). You may wish to seek advice from a qualified adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a qualified adviser, you should consider carefully whether this product is suitable for you. United Overseas Bank Limited ("UOB") does not hold itself out to be an insurer or insurance broker. The insurance products and services stated herein are provided by UOI.

Policy Owners’ Protection Scheme

These policies are protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for these policies are automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the General Insurance Association (GIA) or SDIC websites ( www.gia.org.sg or www.sdic.org.sg ).

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Cruise Insurance Singapore: Protect Your Trip with Peace of Mind

If you’re planning a cruise holiday , it’s important to consider purchasing cruise insurance to protect yourself from unexpected events. Cruise insurance can provide coverage for a range of situations, including trip cancellation, medical emergencies, lost or stolen luggage, and more. In Singapore, there are several options for cruise insurance policies, each with their own unique benefits and coverage details.

When considering cruise insurance, it’s important to understand the coverage details of each policy. Some policies may offer more comprehensive coverage than others, such as coverage for pre-existing medical conditions or Covid-19 related cancellations. It’s also important to consider any additional benefits or features that may be included, such as emergency assistance and support or travel insurance extensions and add-ons. By understanding the details of each policy, you can choose the right cruise insurance policy to meet your needs and budget.

Key Takeaways:

• Cruise insurance can provide coverage for unexpected events such as trip cancellation, medical emergencies, and lost luggage.
• When considering cruise insurance, it’s important to understand the coverage details of each policy and any additional benefits or features that may be included.
• By choosing the right cruise insurance policy to meet your needs and budget, you can enjoy your cruise holiday with peace of mind.

Understanding Cruise Insurance in Singapore

If you are planning to go on a cruise, it is important to understand the importance of cruise insurance. In this section, we will explain what cruise insurance is, why it is essential, and the differences between cruise insurance and standard travel insurance.

What Is Cruise Insurance?

Cruise insurance is a type of travel insurance that provides coverage specifically for cruises. It covers a range of events that may occur during your cruise, such as trip cancellations, trip interruptions, trip delays, missed connections, lost or stolen baggage, and medical emergencies. Some cruise insurance policies may also include coverage for pre-existing medical conditions.

Why Is Cruise Insurance Essential?

Cruise insurance is essential because it provides coverage for events that are unique to cruising. For example, if your cruise is cancelled due to bad weather, or if you miss your cruise departure due to a flight delay, cruise insurance can reimburse you for the cost of your trip. Additionally, if you become ill or injured during your cruise, cruise insurance can cover your medical expenses, which can be very expensive if you need to be evacuated from the ship.

Differences Between Cruise Insurance and Standard Travel Insurance

While cruise insurance is a type of travel insurance, it provides more comprehensive coverage than standard travel insurance. Standard travel insurance typically covers events that may occur during any type of trip, such as trip cancellations, trip interruptions, and medical emergencies. However, it may not provide coverage for events that are unique to cruising, such as missed ports of call, cruise itinerary changes, and shipboard medical expenses.

In summary, cruise insurance is essential if you are planning to go on a cruise. It provides comprehensive coverage for events that are unique to cruising, such as missed ports of call and shipboard medical expenses. Be sure to compare policies and coverage levels to find the best cruise insurance policy for your needs.

Comprehensive Coverage Details

When it comes to cruise insurance , it’s essential to know what you’re covered for. Here are the key coverage details you should know before you set sail.

Medical Coverage on the High Seas

One of the most important aspects of cruise insurance is medical coverage . In case of a medical emergency, you want to know that you’re covered. Look for a policy that offers comprehensive medical coverage, including emergency medical expenses, medical evacuation, and repatriation.

Trip Cancellation and Interruption Benefits

Another important aspect of cruise insurance is trip cancellation and interruption benefits. You want to make sure that you’re covered in case you need to cancel or interrupt your trip due to unforeseen circumstances. Look for a policy that offers coverage for trip cancellation, trip interruption, and trip delay.

Coverage for Theft, Loss, and Damage

Cruise insurance should also offer coverage for theft, loss, and damage. This includes coverage for your personal belongings , such as luggage, cameras, and electronics. Look for a policy that offers comprehensive coverage for theft, loss, and damage.

Personal Accident and Liability Provisions

Finally, cruise insurance should offer personal accident and liability provisions. This includes coverage for accidental death and personal accident benefits . You should also look for a policy that offers liability coverage in case you are held responsible for damage or injury to others.

Overall, cruise insurance is essential for any family heading out on a cruise. With comprehensive coverage, you can enjoy your holiday with peace of mind, knowing that you’re covered in case of any unforeseen circumstances.

Navigating Covid-19 and Cruise Insurance

If you’re planning a cruise holiday, it’s essential to consider the potential risks of Covid-19 and ensure you have adequate insurance coverage. Here are some things to keep in mind when navigating Covid-19 and cruise insurance.

Covid-19 Coverage Options

Many travel insurance plans now offer Covid-19 coverage, including coverage for medical expenses related to Covid-19 and trip cancellation due to Covid-19. When selecting a cruise insurance plan, make sure to check whether it includes Covid-19 coverage and what exactly is covered.

Some plans may only cover medical expenses related to Covid-19 if you contract the virus while on the cruise, while others may also cover medical expenses related to Covid-19 if you contract the virus before the cruise and are unable to travel.

Understanding Quarantine and Medical Evacuation

In the event that you or a fellow passenger on your cruise contract Covid-19, it’s important to understand the quarantine and medical evacuation procedures. Some cruise lines may have their own quarantine procedures in place, while others may require passengers to quarantine in a designated facility on land.

If you require medical evacuation due to Covid-19, it’s important to have insurance coverage that includes emergency medical evacuation. This coverage can help cover the cost of transportation to a medical facility that can provide the necessary care.

When selecting cruise insurance, make sure to carefully review the policy to ensure it includes coverage for Covid-19-related medical expenses and emergency medical evacuation. Keep in mind that coverage may vary depending on the plan and the insurance provider.

By taking the time to carefully review your options and select a comprehensive cruise insurance plan that includes Covid-19 coverage, you can enjoy your cruise holiday with peace of mind knowing that you’re protected in the event of an emergency.

Choosing the Right Cruise Insurance Policy

Going on a cruise can be an exciting adventure, but it’s important to stay protected with the right insurance policy. Here are some key considerations to keep in mind when choosing a cruise insurance policy in Singapore.

Comparing Providers: MSIG, AIG, and Others

When it comes to choosing a cruise insurance provider, there are several options available in Singapore. MSIG, AIG, FWD Travel Insurance, Starr Cruise Travel Insurance, Allianz Travel, and Singlife Travel Insurance are some of the popular choices. It’s important to compare the policies of each provider to determine which one offers the best coverage for your needs.

MSIG offers a comprehensive travel insurance policy that covers medical expenses, personal accident, and trip cancellation among other benefits. AIG’s travel insurance policy also offers similar coverage, including protection for travel delays and lost baggage.

Key Terms and Conditions to Consider

Before purchasing a cruise insurance policy, it’s important to read the policy wording and understand the key terms and conditions. Look out for the coverage limits, deductibles, and exclusions to ensure that you’re fully aware of what’s covered and what’s not.

Some policies may have specific requirements, such as pre-existing medical conditions or age restrictions. Make sure you meet these requirements before purchasing a policy to avoid any issues with claims in the future.

Understanding Policy Exclusions

While cruise insurance policies offer a range of benefits, it’s important to understand the policy exclusions. For example, most policies won’t cover you if you cancel your trip due to work-related reasons or if you’re travelling to a country with a high risk of terrorism.

Other exclusions may include pre-existing medical conditions, extreme sports, and pregnancy-related issues. Make sure you’re aware of these exclusions before purchasing a policy to avoid any surprises later on.

In summary, choosing the right cruise insurance policy involves comparing providers, understanding key terms and conditions, and being aware of policy exclusions. By doing your research and selecting a policy that meets your needs, you can enjoy your cruise with peace of mind knowing that you’re fully protected.

Additional Benefits and Features

When it comes to cruise insurance, it’s important to consider the additional benefits and features that are available to you. Here are some of the most important features that you should look out for when selecting a cruise insurance policy.

Baggage and Personal Belongings Cover

One of the main benefits of cruise insurance is that it can provide cover for your baggage and personal belongings. This means that if your luggage is lost, damaged or stolen during your trip, you can make a claim to cover the cost of replacing your items. Some policies may also offer cover for baggage delay, which means that if your luggage is delayed for a certain amount of time, you can claim for expenses such as clothes and toiletries.

Adventurous Activities and Sports Coverage

If you’re planning on taking part in adventurous activities or sports during your cruise, it’s important to make sure that your insurance policy covers you for these activities. Some policies may exclude certain activities, such as scuba diving or bungee jumping, so it’s important to check the policy wording carefully. If you’re planning on taking part in any activities that are not covered by your policy, you may need to take out additional cover.

Other benefits and features that you may want to consider when selecting a cruise insurance policy include:

• Emergency medical and dental cover
• Personal liability cover
• Trip cancellation and curtailment cover
• Missed departure cover
• Legal expenses cover

Make sure you read the policy wording carefully to understand exactly what is covered and what is excluded. This will help you to choose the right policy for your needs and ensure that you are fully protected during your cruise.

Maximising Your Cruise Insurance Plan

Going on a cruise is an exciting adventure, but it’s important to make sure you have adequate insurance coverage to protect you and your loved ones in case of any unforeseen circumstances. Here are some tips to help you maximise your cruise insurance plan:

Family and Group Insurance Plans

If you’re travelling with family or a group of friends, consider getting a family or group insurance plan. This can often be more cost-effective than individual plans, and it ensures that everyone in your group is covered. Some insurance providers even offer discounts for family or group plans, so be sure to check for any promotions or discounts available.

Leveraging Promotions and Discounts

When shopping for cruise insurance, be sure to look out for promotions and discounts. Some insurance providers offer discounts of up to 10% off the total premium for purchasing a policy online or for signing up for an annual plan. Make sure to read the fine print and understand the terms and conditions of any promotions or discounts before making a purchase.

Additionally, some credit cards offer complimentary travel insurance as a cardholder benefit. Check with your credit card issuer to see if you’re eligible for this benefit and if it extends to cruise holidays.

In conclusion, taking the time to research and understand your cruise insurance options can save you a lot of stress and money in the long run. Consider family or group plans, look out for promotions and discounts, and always read the fine print to ensure you’re getting the coverage you need.

Travel Insurance for Every Journey

Travelling is an exciting adventure, but it comes with its own set of risks. That’s why it’s important to have travel insurance to protect yourself and your loved ones from unforeseen events that may occur during your trip. In Singapore, there are many options available to choose from to suit your specific needs.

Annual and Single Trip Options

If you are a frequent traveller, an annual plan may be the best option for you. This type of plan covers multiple trips throughout the year, making it more cost-effective than purchasing a single trip plan for each trip. On the other hand, if you are only travelling once in a while, a single trip plan may be more suitable for your needs.

NTUC Income offers both annual and single trip options with different tiers of coverage to choose from. Their plans cover a wide range of benefits, including medical expenses , trip cancellations, and personal accidents.

Specialised Coverage for Unique Needs

If you have unique needs that require specialised coverage, there are options available for you as well. For example, if you are going overseas to study, you may want to consider purchasing an overseas study protection plan. This type of plan covers expenses related to medical emergencies, loss of personal belongings, and more.

When it comes to cruising, it’s important to have coverage that is tailored to the unique risks that come with being on a ship. AIG Travel Guard Direct offers cruise insurance that covers medical expenses, trip cancellations, and more specifically for cruise trips.

In conclusion, travel insurance is an essential part of any journey. Whether you are travelling for business or pleasure, there are options available to suit your specific needs. Ensure you choose a plan that provides adequate coverage for your trip and gives you peace of mind.

Practical Considerations for Cruise Travellers

Cruising is a wonderful way to explore the world and create unforgettable memories. However, it is important to be prepared for any travel disruptions or delays that may occur during your trip. Here are some practical considerations to keep in mind when purchasing cruise insurance in Singapore.

Dealing with Travel Disruptions and Delays

Travel disruptions and delays can be frustrating and stressful, especially when you are on a tight schedule. When purchasing cruise insurance, make sure it covers trip cancellations and travel delays. This will provide you with financial protection in case your trip is cancelled or delayed due to unforeseen circumstances such as bad weather, strikes, or mechanical breakdowns.

In addition, it is important to choose a policy that offers 24/7 travel assistance. This will give you access to a team of experts who can help you navigate any travel disruptions or delays and provide you with support and advice.

The Importance of an Easy Claim Process

When purchasing cruise insurance, it is important to choose a policy with an easy claim process. This will ensure that you can receive reimbursement quickly and easily in case of a covered event.

Look for a policy that offers online claims submission and a simple claims process. This will save you time and hassle and ensure that you can get back to enjoying your trip as soon as possible.

In conclusion, purchasing cruise insurance in Singapore is an important consideration for any traveller. By keeping these practical considerations in mind, you can ensure that you are prepared for any travel disruptions or delays and have peace of mind knowing that you are financially protected.

Exploring Regional Cruise Destinations

When it comes to cruising, Singapore is an excellent starting point for exploring the beautiful destinations in the region. With a range of cruise lines, including Royal Caribbean, offering various itineraries, you can choose from a range of destinations that cater to your interests and preferences.

Cruising to Malaysia and ASEAN Countries

Malaysia is one of the popular destinations for cruise lovers, with ports such as Malacca, Langkawi, and Penang offering a range of cultural and scenic attractions. You can explore the ancient temples and architecture in Malacca, go island hopping in Langkawi, or indulge in the local culinary scene in Penang.

ASEAN countries such as Thailand, Indonesia, and Vietnam are also popular cruise destinations. With ports such as Phuket, Bali, and Ho Chi Minh City, you can explore the beautiful beaches, cultural landmarks, and historical sites that these countries have to offer.

Island Stops and Shore Excursions

One of the highlights of cruising is the opportunity to visit beautiful islands and go on exciting shore excursions. Whether you want to go snorkelling in crystal clear waters, explore the local markets, or visit historical landmarks, there are plenty of options to choose from.

Some of the popular island stops in the region include Phuket, Bali, and Langkawi. You can also go on shore excursions to explore the cities and towns near the ports, such as Malacca, Penang, and Ho Chi Minh City.

When planning your cruise, make sure to check the itinerary and see what island stops and shore excursions are included. You can also book additional excursions through the cruise line or explore on your own.

Overall, cruising to regional destinations such as Malaysia and ASEAN countries offers an exciting and unique way to explore the beauty and diversity of the region. With a range of options available, you can choose the perfect itinerary to suit your interests and preferences.

Insurance for the Modern Cruiser

In today’s digital age, insurance companies are embracing innovative ways to cater to modern cruisers. Digital innovations have revolutionised the insurance industry, making it more convenient for travellers to access and manage their policies.

Digital Innovations in Insurance

With the rise of digital platforms, insurance companies now offer seamless online experiences for purchasing and managing cruise insurance. This includes easy-to-navigate websites that provide comprehensive information about coverage, benefits, and claims processes. Additionally, you can now conveniently compare different insurance plans, ensuring you find the best option for your cruise needs.

FWD Singapore and PayNow Voucher

FWD Singapore has introduced a new and exciting way to enhance the insurance experience for modern cruisers. By partnering with PayNow, FWD Singapore offers a convenient and secure payment method, allowing you to easily purchase your cruise insurance. Furthermore, FWD Singapore provides exclusive PayNow vouchers, adding extra value to your insurance purchase. This innovative approach not only simplifies the payment process but also rewards you for choosing FWD Singapore as your insurance provider.

Ensuring Financial Protection at Sea

Going on a cruise is an exciting adventure, but it’s important to ensure that you have the right cruise insurance to protect yourself financially in case of unexpected events. Here are some of the ways cruise insurance can provide financial protection:

Coverage for Serious Illness and Hospitalisation

One of the biggest concerns when you’re on a cruise is falling ill and needing medical attention. Cruise insurance can provide coverage for serious illnesses and hospitalisation, so you don’t have to worry about expensive medical bills. Some policies may even cover emergency medical evacuation, which can be incredibly expensive without insurance.

Financial Security Against Accidents and Death

Accidents can happen anywhere, even on a cruise ship. Cruise insurance can provide financial security in case of accidents or death. This can include coverage for accidental injury, disability, and accidental death. It’s important to review the policy carefully to understand the maximum limit for each type of coverage.

In addition to these two main areas of coverage, cruise insurance may also provide coverage for trip cancellation, trip interruption, and lost or stolen luggage. It’s important to review the policy carefully to understand what is covered and what is not.

Overall, cruise insurance is an important investment to ensure that you have financial protection while at sea. Make sure to review the policy carefully and understand the coverage limits to ensure that you have the right level of protection for your needs.

Special Offers and Travel Insurance Perks

If you’re planning to go on a cruise, you’ll want to make sure you have the right travel insurance to protect you and your loved ones. Fortunately, there are some great special offers and travel insurance perks available in Singapore that can help you save money and get the coverage you need.

Aviva and Singlife Promotions

Aviva and Singlife travel insurance are two of the most popular providers in Singapore, and they both offer some great promotions for cruise travellers. For example, Aviva offers a 35% discount on their travel insurance plans if you purchase them online. They also offer a free gift with purchase, such as a luggage tag or travel adapter.

Singlife travel insurance, on the other hand, offers a 20% discount on their plans if you purchase them through their mobile app. They also offer a free $10 Grab voucher with purchase, which can come in handy if you need to get around during your trip.

Exclusive Benefits for Frequent Cruisers

If you’re a frequent cruiser, you may be eligible for some exclusive benefits and perks. For example, some travel insurance providers offer discounts or special coverage for those who take multiple cruises per year.

Additionally, some cruise lines offer their own travel insurance plans that come with exclusive benefits, such as priority boarding, onboard credit, and more. Be sure to check with your cruise line to see if they offer any special perks for those who purchase their travel insurance.

Overall, there are plenty of special offers and travel insurance perks available in Singapore that can help you save money and get the coverage you need for your next cruise. Be sure to shop around and compare different providers to find the best deal for you.

Compliance and Underwriting Standards

When it comes to cruise insurance, it’s important to understand the underwriting process and regulatory compliance standards that insurers must adhere to. This ensures that you have peace of mind knowing that your policy is valid and reliable.

Understanding Insurance Underwriting

Underwriting is the process by which an insurer assesses the risk of insuring a particular individual or group. During this process, the insurer evaluates various factors such as your age, health, travel destination, and the duration of your trip. Based on this evaluation, the insurer determines the premium you need to pay and the coverage you will receive.

It’s important to be honest and transparent during the underwriting process. Any discrepancies or false information can result in your policy being voided or your claim being denied. Therefore, make sure you provide accurate and truthful information to ensure that you are adequately covered.

Regulatory Compliance for Peace of Mind

In Singapore, all insurers are regulated by the Monetary Authority of Singapore (MAS). This regulatory body ensures that insurers comply with strict guidelines and standards to ensure that they are financially stable and capable of paying out claims.

Insurers must also comply with the Insurance Act and regulations, which set out the minimum requirements for insurance policies. These regulations cover areas such as the terms and conditions of the policy, the coverage provided, and the claims process.

By choosing a reputable insurer that is compliant with these regulations, you can have peace of mind knowing that your policy is valid and reliable. Additionally, you can be confident that you will receive the coverage you need in the event of an emergency.

In summary, understanding the underwriting process and regulatory compliance standards is crucial when choosing a cruise insurance policy in Singapore. By choosing a compliant insurer and providing accurate information during the underwriting process, you can ensure that you are adequately covered and have peace of mind during your trip.

Emergency Assistance and Support

When you’re on a cruise, you want to have peace of mind knowing that you’re protected in case of an emergency. That’s why it’s important to choose a cruise insurance policy that offers comprehensive emergency assistance and support.

Unlimited Medical Evacuation Coverage

If you or a loved one becomes seriously ill or injured while on your cruise, you may need to be medically evacuated to a hospital on land. This can be an expensive and complicated process, but with the right cruise insurance policy, you can have unlimited medical evacuation coverage.

This means that you won’t have to worry about the cost of an air ambulance or other transportation to get you to the care you need. Instead, your insurance will cover the cost of the evacuation, so you can focus on getting better.

Support for Fraudulent Credit Card Usage

Unfortunately, credit card fraud can happen anywhere, including on a cruise ship. If your credit card is stolen or used fraudulently while you’re on your cruise, you could be left with a big bill to pay.

That’s why it’s important to choose a cruise insurance policy that offers support for fraudulent credit card usage. This means that if your credit card is stolen or used fraudulently while you’re on your cruise, your insurance will cover the cost of any unauthorised charges.

With comprehensive emergency assistance and support, you can enjoy your cruise with peace of mind knowing that you’re protected in case of an emergency.

Travel Insurance Extensions and Add-Ons

When it comes to cruise travel insurance in Singapore, it’s important to get the right coverage to ensure peace of mind during your trip. However, basic travel insurance plans may not always include all the coverage you need. Fortunately, many insurers offer extensions and add-ons to their plans to help you tailor your coverage to your specific needs.

Overseas Medical Expenses and Evacuation

One important extension to consider is overseas medical expenses and evacuation coverage. This coverage can help you pay for medical expenses incurred while travelling abroad, including emergency medical treatment, hospitalisation, and even medical evacuation if necessary. This is particularly important for cruises, as medical facilities on board may be limited.

When looking for this type of coverage, make sure to check the coverage limits and exclusions. Some policies may have limits on the amount of coverage provided, while others may exclude certain activities or pre-existing conditions.

Travel Cancellation and Postponement Options

Another important add-on to consider is travel cancellation and postponement coverage. This can help you recoup some or all of your travel costs if you need to cancel or postpone your trip due to unforeseen circumstances, such as illness, injury, or a family emergency.

When considering this type of coverage, make sure to check the covered reasons for cancellation or postponement. Some policies may only cover specific reasons, such as illness or injury, while others may have broader coverage. Additionally, make sure to check the coverage limits and exclusions, as well as any deductibles or copays that may apply.

Overall, adding extensions and add-ons to your cruise travel insurance plan in Singapore can help ensure that you have the coverage you need for a worry-free trip. Just make sure to carefully review the policy details and choose the options that best fit your needs and budget.

Protecting Your Belongings While Cruising

When you are on a cruise, it is important to protect your belongings from loss or damage. Here are some tips to help you protect your belongings while cruising.

Delayed Baggage and Property Loss

Delayed baggage and property loss can be a major inconvenience while on a cruise. To protect your belongings from loss or damage, you can consider purchasing cruise insurance that includes coverage for delayed baggage and property loss. MSIG TravelEasy and Ergo TravelProtect are two options that offer such coverage.

In addition to purchasing insurance, you can take some steps to protect your belongings. For example, you can pack a carry-on bag with essential items such as medication, a change of clothes, and toiletries. This will ensure that you have the essentials even if your luggage is delayed or lost.

Starr TraveLead and ERGO TravelProtect Options

Starr TraveLead and ERGO TravelProtect are two options to consider when purchasing cruise insurance. Starr TraveLead offers coverage for medical expenses, trip cancellations, and trip interruptions. ERGO TravelProtect offers coverage for medical expenses, trip cancellations, and baggage loss.

When selecting a cruise insurance policy, it is important to read the policy carefully to ensure that it meets your needs. Look for policies that offer coverage for the specific risks that you are concerned about.

In conclusion, protecting your belongings while cruising is important to ensure that you have an enjoyable and stress-free vacation. By purchasing cruise insurance that includes coverage for delayed baggage and property loss, as well as taking some simple steps to protect your belongings, you can enjoy your cruise with peace of mind.

Engaging in Safe and Secure Travel

When planning your next cruise holiday, it is important to consider the safety and security of your trip. While cruises can be a fun and exciting way to travel, there are potential risks that come with being out at sea. That’s where cruise insurance comes in – it can help protect you and your loved ones from unexpected events that may occur during your trip.

The Role of Cruise Insurance in Ensuring Safety

Cruise insurance is designed to provide you with financial protection in case of unforeseen circumstances such as trip cancellations, medical emergencies, lost or stolen baggage, and more. It is important to note that most basic travel insurance plans cover cruise holidays, but you may want to consider purchasing additional coverage specifically tailored to cruising.

For example, if you are planning a cruise to Singapore, you may want to look for cruise insurance Singapore providers that offer coverage for cruise-specific events such as missed port departures, itinerary changes, and emergency medical evacuation from the ship.

In addition to purchasing cruise insurance, there are other steps you can take to ensure a safe and secure trip. These include:

• Researching the cruise line and ship before booking to ensure they have a good safety record and security measures in place.
• Keeping your valuables in a safe or locked suitcase while on board.
• Following safety instructions provided by the crew, including emergency drills and evacuation procedures.
• Being aware of your surroundings and avoiding any risky behaviour while on shore excursions.

By taking these precautions and purchasing cruise insurance, you can enjoy your holiday with peace of mind knowing that you are prepared for any unexpected events that may occur.

Frequently Asked Questions

What exciting benefits does cruise insurance offer for travellers.

Cruise insurance offers a range of benefits that can provide peace of mind during your cruise holiday. Apart from covering medical expenses for unexpected illnesses or injuries, it can also cover you for trip cancellations, lost or stolen luggage, and trip interruptions. Some policies also offer coverage for missed connections, emergency medical evacuations, and 24-hour emergency assistance.

How can you ensure your cruise is fully covered by insurance post-booking?

To ensure that your cruise is fully covered by insurance, it’s important to read the policy documents carefully and understand what is covered and what is not. You should also consider purchasing your insurance as soon as you book your cruise to ensure that you are covered for any unforeseen events that may occur before your departure.

Which types of unforeseen events are typically covered by cruise insurance policies?

Typically, cruise insurance policies cover unforeseen events such as trip cancellations, trip interruptions, missed connections, lost or stolen luggage, and emergency medical evacuations. Some policies may also cover you for pre-existing medical conditions, but this may vary depending on the provider.

Are there any special clauses to look for when choosing insurance for a cruise holiday?

When choosing insurance for a cruise holiday, it’s important to look out for special clauses that may affect your coverage. For example, some policies may exclude coverage for certain activities such as scuba diving or bungee jumping. You should also check if the policy covers you for any pre-existing medical conditions or if there are any age restrictions.

How does cruise insurance differ from standard travel insurance?

Cruise insurance differs from standard travel insurance in that it is specifically tailored for cruise holidays. It typically offers higher coverage limits for medical expenses, trip cancellations, and lost or stolen luggage. It may also cover you for missed connections, emergency medical evacuations, and 24-hour emergency assistance.

Can you highlight the advantages of purchasing insurance from providers like NTUC or MSIG for a cruise?

Providers like NTUC and MSIG offer cruise insurance policies that cover a range of unforeseen events and offer high coverage limits for medical expenses and lost or stolen luggage. They also provide 24-hour emergency assistance and offer competitive premiums. Additionally, they may offer discounts for purchasing online or for purchasing policies that cover multiple trips.

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Singapore Travel Insurance

Travel insurance for singapore.

Known for its mouthwatering hawker fare, dazzling skyline, and the ever-so-iconic Marina Bay Sands, Singapore is a combination of cultural delights and modern wonders. As you plan your exciting journey to the Lion City, it's essential to consider the unexpected twists and turns that can arise during your travels. In this guide, we'll unravel everything you need to know about travel insurance for your Singaporean adventure.

• What should your Travel insurance cover for a trip to Singapore? 

How does Travel Insurance work in Singapore?

• Do I need Travel Insurance for Singapore? 
• How much does Travel Insurance cost for Singapore? 
• Our Suggested AXA Travel Protection Plan
• What types of medical coverage does AXA Travel Protection plans offer?
• Are There Any COVID-19 restrictions for Travelers to Singapore?

Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to singapore.

At a minimum, your travel insurance to Singapore should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Singapore.

Imagine you're all set for your vacation to Singapore. You've got your itinerary planned, bags packed, and excitement levels through the roof. However, your flight encounters unexpected delays due to severe weather conditions. Here's where AXA Travel Protection’s "Trip Delay" coverage comes to assist. While waiting for the skies to clear and your flight to take off, you find comfort in knowing that your policy offers coverage for additional expenses incurred during the delay. Whether it's the cost of a meal at the airport or an unplanned overnight stay in a hotel, your travel insurance has got you covered. In times of escalating challenges, AXA is here to assist you in devising a strategic course of action. Here’s the full list of benefits AXA Travel Protection Plans have to offer:

Medical Benefits:

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits:

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits:

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Singapore?

Starting February 13, 2023, visitors to Singapore are no longer mandated to have travel insurance. However, it's highly advised for all travelers to consider obtaining a thorough travel insurance policy that includes coverage for medical emergencies, trip cancellations, and delays. Why? There are several reasons:

Singapore, known for its top-notch healthcare, might surprise you with unexpected medical costs. With coverage for emergency medical expenses, you're offered coverage and assistance for any unforeseen life events.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue.

Despite Singapore's efficient travel network, unexpected delays can happen. The "Trip Delay" benefit comes in handy, covering extra expenses like meals and accommodation so your travel hiccups do not turn into headaches.

How much does Travel Insurance cost for Singapore?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Singapore will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Singapore hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. The Platinum Plan is your go-to choice if you're looking for extra coverage for Singapore’s experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Singapore's stunning landscapes in a rental car. For avid golfers planning a swing through Singapore’s world-class golf courses, the "Loss Golf Days" benefit is exclusive to Platinum plan policyholders. This optional benefit steps in to offer reimbursement for pre-paid golf arrangements that you might be unable to utilize due to specified golf closures.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency medical expenses 
• Emergency evacuation & repatriation 
• Non-medical emergency evacuation & repatriation 

Emergency Medical: Offers coverage when unexpected health issues happen, like broken bones, burns, sudden illnesses, or allergic reactions.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Comes into play when you urgently need to leave a place for reasons not related to health. This coverage may assist with evacuation in non-medical situations, such as natural disasters or civil unrest.

Are there any COVID-19 restrictions for travelers to Singapore?

Entry into Singapore for all travelers is permitted without the need for entry approvals, pre-departure tests, on-arrival tests, quarantine, or mandatory COVID-19 travel insurance.

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance to Singapore?

Purchasing travel insurance for your trip is advisable as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Singapore?

From February 2023, Singapore no longer requires travel insurance for visitors, but it's still advised. Given Singapore's reputation for outdoor activities like kayaking and hiking, having travel insurance is essential for emergencies.

4. What is needed to visit Singapore from the USA?

Documents required for entering Singapore include a passport valid for a minimum of six months, an SG Arrival Card (which you can obtain via the ICA website), bank statements demonstrating adequate funds for your stay in Singapore, and a confirmed onward or return flight ticket.

5. What happens if a tourist gets sick in Singapore?

If you become sick in Singapore, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved. 

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Travel Guard ® Direct

√  Up to $80 in eCapitaVouchers (Single Trip Plan)

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Get 24/7 travel assistance exclusively to AIG policyholders. We operate globally across 8 service centres, with a team that is proficient in over 40 languages , providing comprehensive support for travel or medical emergencies abroad. 

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SINGLE TRIP COVERAGE

The maximum length of each insured trip is 182 days.

ANNUAL COVERAGE

The Insured Policyholder(s) will be covered for an unlimited number of trips made during the Policy Period. The maximum length of each insured trip is 90 days

Policy Type

The policy type shows which people are insured under the policy. You can choose from either Individual or Family cover.

If you choose Individual cover this policy insures you only.

If you choose Family cover this policy insures you and/or your spouse and/or your children.

• Under a Per Trip policy, the family must depart from and return to Singapore on the same itinerary together as a family for cover to apply.
• Under an Annual Multi-Trip policy, cover will apply to you or your spouse whilst travelling separately of each other; however your children must be accompanied by you and/or your spouse for the entire trip for cover to apply.

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Select this option if you have individuals travelling together on the same dates and to the same destination.

For Group/ Couple up to a maximum of 10 individual policies on the same transaction.

Region 2 Destinations

Brunei Darussalam, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Vietnam

Argentina, Bahrain, Bangladesh, Belize, Bolivia, Brazil, Chile, China (excluding Tibet), Colombia, Costa Rica, Ecuador, El Salvador, Guatemala, Guyana, Honduras, Hong Kong SAR - China, India, Kuwait, Macau SAR - China, Maldives, Mexico, Mongolia, Nicaragua, Oman, Pakistan, Panama, Paraguay, Peru, Qatar, Sri Lanka, Suriname, Taiwan - China, Thailand, United Arab Emirates, Uruguay, Venezuela

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Region 1, Region 2, Australia, Japan, South Korea, New Zealand, Nepal, Tibet - China and the rest of the world.

(Exclude Cuba, Iran, Syria, North Korea or the Crimea region)

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      COVID-19 Benefits & FAQ

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites ( www.AIG.sg  or  www.gia.org.sg  or  www.sdic.org.sg ).

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Protect Yourself with Singapore’s Best COVID-19 Travel Insurance

Important Notice

The Ministry of Foreign Affairs has put up travel advisories against non-essential travel to Israel and Palestinian Territories, and to Iceland. Please click here if you intend to or have purchased a travel plan to these areas.

current promotion

Purchase your travel insurance policy with HL Assurance and you’ll have the chance to win a flight ticket of your choice to your dream destination. The more you purchase, the more points you earn and the more chances of winning! Terms apply.

How to participate.

Get your dream holiday!

Protect you and your family with our COVIDSafe Travel Protect360.

Stand a chance to WIN a flight ticket of your choice

Single Trip

Travel insurance promotion 45% discount, ncd th customer + 1 buddy + ncd-->.

Be protected from COVID-19 with the new travel insurance offer in Singapore – COVIDSafe Travel Protect360! Not only will you be covered for Overseas Medical Expenses and Trip Cancellation due to COVID-19 under our travel protection plan, but we are also now rewarding you with No Claim Discount. *Terms apply.

Please refer to below Single Trip Travel Insurance Promotion Terms and Conditions for more redemption details.

Annual Unlimited

Annual travel insurance promotion 50% discount, ncd.

Travelling more than twice in a year? Get our annual multi-trip insurance policy and additional travel perks at just $0.52 / day. This travel insurance annual promotion in Singapore could be better value than buying single trip insurance for each holiday! Take advantage of our best annual travel insurance promotion and discounts today!

Please refer to below Annual Multi Trip Travel Insurance Promotion Terms and Conditions for details.

COVIDSafe Travel Protect360.

Packed with all-inclusive enhanced benefits to give you peace of mind, COVIDSafe Travel Protect360 is the best travel insurance with COVID-19 coverage in Singapore. Choose from a variety of recommended plans that secure protection and peace of mind today: single trip, annual, long term, family, seniors and more. Buy your travel insurance online to ensure a hassle-free trip for you and your loved ones.

Enhanced Benefits with COVID-19 Cover

*NEW FEATURE* Making your vacation safe even during a pandemic

Get a peace of mind when you are travelling during the pandemic with our new COVID-19 benefits for Travel Protect360! Even if you require medical assistance or trip cancellation due to COVID-19, you can be assured that you are well covered!

Travel No Claims Discount

Get Rewarded for Safe Travels

We want to celebrate your safe travels with you! If you do not make any claims from your travel insurance, you get additional up to 10% off your next travel insurance purchase on top of our promotions.

Travel Inconvenience Protection

Be protected with comprehensive Travel Inconvenience cover

No traveller will wish for travel cancellations and travel interruptions and we are here to protect you from these inconveniences! No matter if it is the loss of baggage or insolvency of travel agencies, be assured that you are well protected!

Why You Should Choose Our COVID-19 Travel Insurance in Singapore?

Packed with all-inclusive enhanced benefits to give you peace of mind, COVIDSafe Travel Protect360 is the best travel insurance with COVID-19 coverage in Singapore. Choose from a variety of recommended plans that offer secure protection and peace of mind today: single trip, annual, long term, family, seniors and more. Buy your travel insurance online to ensure a hassle-free trip for you and your loved ones.

24/7 COVID-19 Travel Concierge

With regional alarm centres available 24/7, you can travel with peace of mind, knowing support is #OneClickAway. Connect with Global Teleconsultation via your communication method of choice. Click here to find out more.

Best COVID-19 Travel Insurance Coverage

Travelling during a pandemic can be stressful, not knowing if your insurance plans provide proper coverage. With our enhanced COVIDSafe Travel Protect360 Insurance, you can travel knowing that you are covered up to $200,000 in overseas medical expenses incurred due to COVID-19.

COVID-19 Quarantine Allowance

Be reimbursed with up to $1,500 even when you are quarantined overseas as part of our many COVID-19 travel insurance coverage benefits.

Enjoy No Claim Discount

If you do not make any claims from your travel insurance, you get up to 10% off your next travel insurance purchase with HL Assurance.

Greater Flexible Coverage

If you have to make changes to your trip due to the COVID-19 pandemic, COVIDSafe Travel Protect360 allows you to make adjustments to your policies. When your family is protected by COVIDSafe Travel Protect360 insurance, we are happy to make adjustments even when the trip needs to be cancelled because of one person in the family.

Stay Protected From Travel Inconvenience

Be it loss of baggage or insolvency of travel agencies, our comprehensive COVID-19 travel insurance cover ensures that you are well protected from travel cancellations, travel interruptions and other inconveniences! Buy your travel insurance online today.

Enhanced Benefits of our Travel Insurance

With our enhanced travel insurance, you can now be ready for all your adventures and travel with peace of mind. COVIDSafe Travel Protect360 insurance provides the comprehensive travel insurance coverage you need for your holiday.

COVID-19 Cover

Overseas Medical Expenses

Extensive Travel Inconvenience Benefits

What Our Customers Have To Say About Us

  preferred travel insurance in singapore.

Customer Review by Lee Meng Tong

Thank you so much for your efforts in processing and finalising my travel claims. My wife and I are very appreciative of the care and excellent service provided by you and your staff. Rest assured that HL Assurance would be our preferred insurance for all our travels.

  Hassle-Free Claims

Customer Review by Jack Wong

For my annual travel insurance, I always go with HLAS, their price is most reasonable with good enough coverage and the claim process is hassle-free. I always recommend my friends and colleagues to them.

  Prompt And Excellent Service

Customer Review by H L

What professionalism! Prompt and excellent service for travel insurance as well as car insurance. I had immediate attention and was certainly impressed! 😀👌🏻

 Seamlessly Easy And Convenient

Customer Review by Rasidah Maya

We get our travel insurance regularly from HL Assurance. Seamlessly easy and convenient online purchase. Thank you Jerry He for assisting me with the changes I needed and the advice given for my queries.

 Good Choice For Travel Insurance

Customer Review by Choon Xiang

I am really inspired with HLAS travel NCD. You get rewarded for Safe Travels which everyone wishes. No doubt is your good choice for travel insurance.

No Claim Travel Insurance Discount Programme Terms and Conditions

Promotion terms and conditions.

• The promotion is held from now until 30 June 2024, customers who purchase any Travel Insurance policy (COVIDSafe Travel Protect360 Single Trip or Travel Protect360 Annual Trip) will automatically be enrolled into COVIDSafe Travel Protect360 No Claim Discount programme.
• For COVIDSafe Travel Protect360 Single Trip Policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for a 5% discount promotion code.
• For subsequent travel purchases with the utilising the 5% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for an additional 10% discount promotion code.
• Thereafter for subsequent travel purchases utilising the 10% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be capped at 10% discount promotion code.
• For COVIDSafe Travel Protect360 Annual Plan Policyholder(s) who has completed the policy period of one (1) year and has no claims during the policy period and within stipulated timeframe of 30 days from the policy end date, will be eligible for a 10% discount promotion code refund upon the next Travel Protect360 Annual Plan renewal.
• Promotional codes provided for the Single Trip can only be utilised for the next Single Trip purchase and can only be used once.
• The promotional codes are not transferable.
• Should there be any claims incurred, the No-claims discount promotion code will no longer be applicable.
• Each policy is only eligible for one promotion code.

Note:  Swipe left or right to view the full table on your mobile screen.

• HL Assurance, at any time, at its sole discretion and without prior notice, can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
• In the event of any dispute, HL Assurance management’s decision is final.
• HL Assurance’s full disclaimers, terms, and conditions apply to individual products. © 2021 HL Assurance is a registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
• “HL Assurance” means HL Assurance Private Limited.
• HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic, and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Promotion (Single Trip)

• The promotion is held from now until 30 June 2024.
• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Single Trip policies during the Promotion Period will be entitled to 45% discount.
• This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personalinsurance/travelinsurance.
• New purchases refer to purchases via HL Assurance website (as per stated above), and are not applicable to any purchase from HL Assurance’s agency partner.
• This promotion is not valid with any ongoing travel discounts, schemes or privileges.

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Promotion (Annual Trip)

• Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Annual Trip policies during the Promotion Period will be entitled to a 50% discount, provided that the policy is not subsequently cancelled.
• New purchases refer to purchases via HL Assurance website (as per stated above), and is not applicable to any purchase from HL Assurance’s agency partner.

Terms and Conditions for COVIDSafe Travel Protect360 Get eSIM (Single/Annual Trip)

Please click the link for terms and conditions: COVIDSafe Travel Protect360 Get eSIM Terms and Conditions

What our Travel Insurance in Singapore Covers

Read the full terms and conditions

Policy Owners’ Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (  www.gia.org.sg  or  www.sdic.org.sg ).

Frequently Asked Questions for COVIDSafe Travel Protect360 Insurance

Q: can i continue my medical treatment for injury or sickness sustained overseas when i return to singapore.

A: Yes. We pay for the medical expenses, up to the Sub-limit, reasonably incurred by you in Singapore within 30 days after your return from the trip.

Q: If I was injured or sick overseas but did not seek medical treatment, can I do so upon my return to Singapore?

A: Yes. The Company will indemnify you up to the Benefits Payable under the Policy for the treatment sought within three (3) days after your return from the Journey where initial treatment for Bodily Injury or Sickness was not sought overseas, up to a maximum of thirty (30) days from the date of first treatment in Singapore.

Q: What is the time frame for submitting a travel claim when I return to Singapore?

A: You will need to submit a claim within thirty (30) days upon returning to Singapore.

Q: What should I do if I lose my money or travel documents during my trip?

A: If your loss arises out of robbery, burglary or theft, you should report the loss to the local police within 24 hours after the loss / incident and obtain a written statement from the police to substantiate your travel insurance claim.

Q: What should I do if I need assistance while overseas?

A: One of the benefits of our travel insurance is the 24 hours Travel, Emergency Medical and Evacuation Assistance which provides for loss of travel documents and baggage, air ticket arrangements, emergency medical evacuation, referral services for interpreters / translators, legal, embassy, hospital admission and other medical facilities etc. These services are available 24/7 by calling our Hotline at (65) 6922 6009.

Q: I am currently under medication for some medical conditions. Can I claim for medical expenses related to these medical conditions during the trip?

A: No. Our Travel Insurance Policy excludes all pre-existing medical conditions prior to the trip.

Q: If I am pregnant, am I covered for any medical treatment incurred overseas?

A: No. Our travel insurance policy does not cover any pregnancy-related issues.

Q: Is dental treatment covered while I am overseas?

A: Yes, dental treatment is covered (as a result of Bodily Injury only).

Q: Will I be covered if I am going overseas to receive medical treatment?

A: No. The travel insurance plan does not cover you if you are travelling contrary to the advice of any Qualified Medical Practitioner or for the purpose of obtaining medical treatment.

Q: Are adventure activities and indoor / outdoor sports covered by COVIDSafe Travel Protect360 insurance?

A: No. Our travel insurance does not cover adventure activities. You can find the list of exclusions in our policy wordings .

Q: Is there a waiting period for COVIDSafe Travel Protect360 Insurance coverage to take effect?

A: A 3-day waiting period applies only to trip cancellation, postponement, and curtailment due to COVID-19 in Enhanced Travel Inconvenience (for COVID-19).

Q: How to buy travel insurance from HL Assurance?

A: Buying your travel insurance from HL Assurance is a straightforward process. You can purchase your desired policy online. Simply visit our travel insurance section, select the plan that suits your needs, and follow the steps for a hassle-free purchase experience.

Q: Can I extend my travel insurance coverage if my trip is extended?

A: Yes. This is subject to our underwriter’s approval. You can call or email us before the policy expires. If you’re wondering where to buy travel insurance for extended trips, you can easily do so through our website or contact our customer support at 6702 0202 for assistance.

Q: Can I buy travel insurance after departure?

A: Generally, travel insurance should be purchased before your trip commences.

Q: Can I cancel my travel insurance policy if my plans change?

A: You may cancel the Policy before the start of your trip with administrative charges applicable.

Q: Annual Trip Insurance vs Single Trip Insurance - Which is better?

A: Single Trip Travel Insurance provides coverage for the destination you’ve indicated. Meanwhile, an Annual Trip Travel Insurance gives better value should you have already planned to go on more than two trips in the year.

Q: Does COVIDSafe Travel Protect360 Insurance cover me if I travel to multiple countries?

A: Please indicate the countries you will be travelling to when you buy your travel insurance online. If you’re wondering where to buy travel insurance online, simply visit our website’s travel insurance section for a seamless online purchase experience.

Q: What are the Terms and Conditions for COVIDSafe Travel Protect360 Insurance?

A: You can find out more about our Terms and Conditions for COVIDSafe Travel Protect360 here .

Q: What does COVIDSafe Travel Protect360 Insurance cover?

A: We provide comprehensive travel insurance coverage of four (4) levels with diverse limits: Basic, Enhanced, Superior and Premier. Though the limits vary, the coverage is broad and has everything you’re looking for in a travel insurance plan.

All plans cover the following travel benefits:

• Overseas Medical Expenses (Child, Adult, Senior / Elderly)
• Medical Expenses in Singapore
• Personal Accident: Accidental Death & Permanent Disablement
• Travel Inconvenience
• Travel Postponement
• Travel Misconnections
• Insolvency of Travel Agency (Excluding Basic Plan)
• Trip Disruption
• Flight Inconvenience and Diversion
• Hijack of Common Carrier
• Kidnap & Hostage (Excluding Basic Plan)
• Personal Liability
• Loss of Home Contents
• Credit Card Protections (Excluding Basic Plan)
• Rental Car Excess
• Enhanced Medical Benefits due to COVID-19 (Excluding Basic Plan)
• Enhanced Travel Inconvenience, Cancellation, Postponement or Curtailment due to COVID-19 (Excluding Basic Plan)

Chat with us if you have any questions via WhatsApp and we will be happy to answer your queries!

For 24-Hour Emergency Travel Assistance Service, please contact 6922 6009 .

File a travel insurance claim, claims procedure and documentation.

Please submit your claim to us with the original Claim form and supporting documents within 30 days upon returning from your trip.

Common documents required for all Travel Insurance Claims:

• Copy of flight itinerary
• Proof of travel, i.e. original boarding pass, air tickets, copy of passport, etc.

Supporting documents needed when making a claim for:

• Medical Report and Medical Certificate
• Original Medical bills / receipts
• Death Certificate, autopsy report, coroner’s findings, if applicable (for death claim)
• Documentary proof of relationship between deceased and claimant (for death claim)
• Motor accident report / police report (for injury / death resulting from a traffic accident)
• Baggage loss or damage report / Property irregularity report from the carrier / airline
• Baggage tag(s) issued from the carrier / airline during check-in
• Written confirmation of carrier / airline’s settlement / rejection of claim for damage / loss of property
• Photographs of damaged items
• Original purchase receipts of damaged/lost items
• Copy of police report lodged at place of loss within 24 hours
• Receipts for replacement of passport / visa
• Transportation and / or hotel bills / receipts incurred for replacement of document
• Baggage delay report
• Written confirmation from carrier / airline on reason and duration of delay
• Acknowledgement receipt of baggage received
• Medical Report and other medical documents / Death Certificate
• Proof of relationship (if due to sickness, injury or death of related person)
• Written advice or medical certificate from a Registered Medical Practitioner to cancel / curtail trip
• Original tour booking invoice / receipt
• Travel agent and / or airline’s confirmation of the refund amount
• Original invoice / receipt for charges incurred in amending or purchasing additional air ticket (for trip curtailment)
• Written confirmation from carrier / airline on reason and duration of delay, overbooked flight, travel misconnection, and / or diversion
• Air ticket and Boarding pass
• Copy of police report lodged within 24 hours upon discovery
• Invoice of damaged items / quotations
• Original photographs of damaged items
• Do not admit any liability or make any offer, promise or payment without our prior consent
• Forward all correspondence / documents from third parties concerning the accident to us immediately
• Copy of police report lodged (if applicable)

We will contact you for any additional documents that may be required.

You may submit your claims online . Kindly note that it may take longer to process a claim if we require additional information or documents from you. For any claims enquiry, amendment of details or submission of supporting or original documents, please email our friendly claims officers at [email protected] with our acknowledgement reference number – MTC/YYYY/000000.

We will keep you updated on your claim(s) by email. You can also call our Hotline at 6922 6003 to check on your claim(s).

Thank you for insuring with us.

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Travel insurance Singapore with Covid 19 Add ons | Tiq Singapore

Tiq Travel Insurance

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Tiq Travel Insurance Promotion

[new customers exclusive] get free travel insurance worth up to $30, refer and earn.

Chinese New Year Promotion 2024

The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to Israel and Palestinian Territories in view of the ongoing conflict. If you have purchased a Tiq Travel policy... Before 07 October for travel to Israel and Palestinian Territories and do not wish to travel at this point in time • You may cancel the trip and file for trip cancellation / trip postponement Before 07 October for travel to Israel and Palestinian Territories and are already in Israel and Palestinian Territories at this point in time • You will still be covered for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment After 07 October for travel to Israel and Palestinian Territories • There will be no coverage as the ongoing conflict is a known event

Travel Advisory

The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to  Israel  and  Palestinian Territories  in view of the ongoing conflict. If you have purchased a Travel Infinite policy…

Before 07 October 2023 for travel to Israel and Palestinian Territories and do not wish to travel at this point in time • You may cancel the trip and file for trip cancellation / trip postponement

Before 07 October 2023 for travel to Israel and Palestinian Territories and are already in Israel and Palestinian Territories at this point in time • You will still be covered for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment

After 07 October 2023 for travel to Israel and Palestinian Territories • There will be no coverage as the ongoing conflict is a known event

Please note that all claims are subject to Policy terms and conditions.

Before 03 April 2024 for travel to Taiwan and do not wish to travel at this point in time • You may file claim for trip cancellation / trip postponement.

Before 03 April 2024 for travel to Taiwan and are already in Taiwan at this point in time • You may file claim for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment.

On or After 03 April 2024 for travel to Taiwan • There will be no coverage as the ongoing conflict is a known event.

Please note that all claims are subject to Policy terms and conditions.

Your Best Travel Partner

• Most Popular Travel Insurance Company
• Best Annual Travel Insurance
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Why Tiq Travel Insurance?

More value-added services specially for you, what are the covid-19 add-on coverages new.

We know that you are eager to travel, and we want to ensure that you are well covered against COVID-19.

With our COVID-19 add-on, power up your travel insurance coverage as we cover you comprehensively before you start your overseas trip, during and after you come back to Singapore.

Before your trip

During your trip

After your trip

Benefits are provided in the event if you are diagnosed with COVID-19

Travel delay? No sweat with automated flight delay benefit!

Input your flight details when purchasing

Get paid upon a 3-hour flight delay, even without a submitting claim

Receive payout in your eWallet and encash via PayNow

Watch this video to learn more!

What are Pre-Existing Medical Conditions?

If you have a medical illness or injury before your trip, it may be considered as a pre-existing medical condition. Please note that most travel insurers do not cover claims resulting from pre-existing medical conditions while you're overseas. Thankfully, we do.

Example of pre-existing medical conditions

Non pre-ex plans, view pre-ex plan, don’t worry, we’ll wait for you.

Submit Failed.

Thank you for your submission.

Insured but still looking?

Let us know when your policy ends and we’ll send you a reminder to switch to Tiq by Etiqa Insurance. Set. Relax. No Regrets!

Frequently Asked Questions

No, your period of insurance must include your entire trip from the date of departure from Singapore to the date of arrival in Singapore.

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See what our customers say, important notes:.

This policy is underwritten by Etiqa Insurance Pte. Ltd . This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract. This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the GIA/LIA or SDIC web-sites ( www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg ). Information is accurate as at 18 April 2024.

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• About Chubb Travel Insurance
• What is covered?
• What is not covered?
• When am I covered?
• Where can I travel?
• Who is covered?
• COVID-19 Cover
• Preparing to Travel
• At Your Destination
• When the Unexpected Happens
• Planning Your Travel
• Chubb Assistance
• Relating to COVID-19 Cover
• Types Of Plan & Eligibility
• Medical Cover
• Baggage Cover
• Sports And Sporting Equipment
• Trip Cancellation

Personalise your travel insurance coverage

Chubb travel insurance has got you covered with plans for every type of traveller enjoy 20% off now*, *valid from 1 may 2024 to 16 june 2024. click here for the terms and conditions., 4 plan types with customisable benefits catered to every traveller, destination and budget.

Our most affordable plan with basic coverage, especially tailored for travellers heading to Batam, Bintan, and Malaysia.

A starter plan for worldwide travels (excluding Cuba) with higher coverage limits than our Saver Plan.

The most popular option for both leisure and business travellers as it offers comprehensive benefits and cover limits.

Our most comprehensive plan with extensive range of cover and the highest coverage limits.

Why choose Chubb?

Quality travel cover at an affordable price.

With more than 50 years of insurance experience and many millions of travellers served, Chubb Travel Insurance offers high-quality insurance to travellers. We have plan option for all types of travellers, from frequent flyers and families to holidaymakers on a budget, adventure seekers and sports enthusiasts.

Fast, fair and efficient handling of claims

Experience has taught us the importance of being proactive when managing claims. Chubb understands that a fast, fair and efficient approach to claims handling will bring about an expedited outcome, and can help to deliver an improved result.

Access to a global team of travel experts

Purchasing travel insurance from Chubb means access to a truly global network. In addition to our wealth of local expertise, Chubb's operation in Singapore is backed by our extensive global travel network and breadth of resources to serve your every need.

24-hour overseas emergency assistance

When you purchase Chubb Travel Insurance, you are instantly covered by Chubb Assistance, our 24-hour overseas emergency hotline that provides the support that you expect in your time of need, anywhere, anytime.

Travel Smarter with Chubb Travel Insurance. Get an instant quote now!

You may contact us via the following:.

Chubb Insurance Singapore Limited

138 Market Street

Level 11-01 CapitaGreen

Singapore 048946

Chubb Travel Insurance Customer Service

For general enquiries and claims, call (65) 6398 8776 (Mondays to Fridays, 9.00am-5.00pm,excluding Public Holidays)

For 24-hour overseas emergency assistance,call (65) 6836 2922

Chubb Worldwide Offices

For the mailing address, telephone

number and email address of any Chubb

office in our global network, use our

office locator.

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©   Chubb Insurance Singapore Limited. This policy is underwritten by Chubb Insurance Singapore Limited. Co. Regn. No. 199702449H. Full details of the terms, conditions and exclusions of this insurance are provided for in the policy documentation. Please read our  Terms of Use ,  Licensing Information  and  Privacy Policy .

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• TravelSmart Premier

TravelSmart Premier | Travel Insurance

Greater assurance with extended coverage for covid-19.

• Flash Deal! Get up to 40% off

With no additional premium needed, get up to $150,000 coverage 1 expenses and emergency medical evacuation if you are diagnosed with COVID-19 during your travels.  Read more

Embark on your travels with financial protection. Yes now you can – whether it’s a much-deserved holiday, that overdue adventure tour, a quick weekend getaway or essential work travel. 

Now you can be fully immersed in your travel experiences, knowing that TravelSmart Premier is providing you the protection against unexpected events –from travel delays to leisure adventurous activities accidents. 

For existing customers, we will pre-fill your details to simplify your purchase. Use the Great Eastern App to make a faster purchase today.

Key benefits

Extended coverage for travel inconveniences due to covid-19.

Whether you, your relative or travel companion on the same trip is diagnosed with COVID-19, you can be assured that your coverage is extended to support cancellations and postponements. Get complete peace of mind with an automatic extension of coverage up to 30 days, without extra premium, if you are hospitalised or quarantined overseas due to COVID-19. 

Comprehensive worldwide protection with extensive medical coverage

Travel with ease as you are supported with our 24-hour international emergency assistance services including up to $1 million emergency medical evacuation coverage. 

Our plan also extends to cover medical expenses that includes Emergency Dental Treatment 2 , Traditional Chinese Medical (TCM) and Chiropractor treatments. 

Protect against unexpected travel cancellation and inconveniences

Up to $15,000 coverage against flight cancellations and includes coverage for other travel inconveniences, like loss of baggage, non-recoverable accommodation expenses and trip disruptions due to unforeseen events. 

Complimentary benefits at no extra premium 2

Indulge in action-packed adventures like mountaineering, snowboarding and skydiving, knowing you are covered at no additional premium.

Your questions answered

(Applicable for Elite and Classic single trip 2-way plans and annual multi-trip plans, each trip must not exceed 90 days.)

If you are purchasing a new policy, we have extended the TravelSmart Premier policy to cover certain situations pertaining to COVID-19. This means that for some benefits, cover is expanded to include losses occurring after COVID-19 was a known event and could reasonably have been expected to lead to a claim. For a detailed summary of what is covered or not covered for COVID-19, please refer to the policy wording.

Before purchasing the policy, please note that: • Your Trip is under the latest permitted travel arrangement as per Singapore Government travel advisory. • For single-trip policies and annual multi-trip policies, the extension only applies if the trip is no longer than 90 days in a row. • The extension is applicable to Elite and Classic plans only. • You are not serving stay home notice or quarantined due to COVID-19 or traveled to any countries other than the list of countries permitted as per Singapore Government travel advisory within 14 days before your trip started. • If required by authorities, you must take a COVID-19 Polymerase Chain Reaction (PCR) test or any COVID-19 equivalent test approved by Singapore authorities within 72 hours before the start of your trip and you must be tested negative. Otherwise, there is no cover under section 38a - Medical expenses while overseas, section 38b - Emergency medical evacuation, section 38c - Repatriation, section 38g - Automatic extension of cover, section 38h – Overseas quarantine allowance and section 38i - Overseas hospital allowance of this extension. • We will not cover if you, a relative, or a travel companion is diagnosed (or suspected of being infected) with Covid-19 at the point of purchase of this policy or trip.

Q1: What are the benefits provided for COVID-19 cover?

Please refer to the table below for COVID-19 coverage:  

Q2: Where can I find details on the latest permitted travel arrangements issued by the Singapore government?

For the latest permitted travel arrangements issued by the Singapore government, please visit ICA Safe Travel website at  https://safetravel.ica.gov.sg/ .

Q3: If the destination that I am going to has been suspended from the latest permitted travel arrangement as per the Singapore authorities, will I still be covered for the COVID-19 extension if I proceed with the trip?

No, the COVID-19 extension is only applicable if your trip is under the permitted travel arrangements as per the Singapore Government travel advisory at the point of your trip commencement.

Q4: If I have already departed for my trip before the permitted travel arrangement was suspended by the Singapore authorities, will I still be covered for the COVID-19 extension?

Yes, you will still be covered under the COVID-19 extension in view that the permitted travel arrangement was suspended after you have departed for your trip.

Q5: Will the policy cover my loss if I need to cancel my trip due to being diagnosed with COVID-19?

We will pay for any non-recoverable travel, accommodation expenses and/or cost of entertainment tickets that were paid in advance due to the cancellation of your trip if you are diagnosed with COVID-19 in Singapore within 30 days prior to the scheduled departure date of your trip. Please note that reimbursement of any travel and/or accommodation expenses redeemed using mileage points, holiday points or any reward schemes is excluded. If the policy is purchased less than seven days before your departure date, the Trip Cancellation benefit will only apply upon death due to COVID-19.

Q6: Will the policy cover my loss if I need to postpone my trip due to being diagnosed with COVID-19?

We will pay for any non-recoverable administrative charges arising from your travel and accommodation expenses that were paid in advance due to the postponement of your trip if you are diagnosed with COVID-19 in Singapore within 30 days prior to the scheduled departure date of your trip. Please note that reimbursement of any travel and/or accommodation expenses redeemed using mileage points, holiday points or any reward schemes is excluded.

Q7: I want to cancel my travel plans because I'm afraid to travel due to COVID-19. Am I covered?

Trip cancellation due to concern or fear of travel because of COVID-19, is not covered under the policy.

Q8: Can I claim for compensation if my flight is delayed by airline following instruction or recommendation by the government due to COVID-19 situation?

Flight delay by airline following instruction or recommendation of the government due to COVID-19 situation does not fall under the policy coverage.

Q9: If I contracted COVID-19 while traveling overseas, can I claim for medical expenses incurred?

We will reimburse the overseas medical expenses incurred up to 90 consecutive days from the date you are diagnosed with COVID-19. Please note that the policy will not cover your overseas medical expenses incurred if you are travelling against the advice of the Government or any local authority at the destination.

Q10: Will the policy cover my loss if I am diagnosed with COVID-19 during my trip and as a result, I am unable to continue with the trip?

We will pay up to the sub-limit that applies to your selected plan for the reasonable extra travel expenses or the cost of the unused portion of non-recoverable travel expenses (economy class), accommodation costs and entertainment tickets (for admission to theme parks, musicals, plays, theatre or drama performances, concerts or sports events) that you paid in advance if you are forced to change any part of your trip as a direct result of you, a relative on the same trip, or a travel companion being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q11: Will my policy be automatically extended in the event that I am hospitalised overseas or quarantined due to COVID-19?

We will automatically extend your period of insurance with no extra premium for up to 30 days if you are hospitalized or quarantined overseas as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q12: If I am quarantined overseas, am I entitled to any overseas quarantine allowance under my travel insurance

We will pay you a cash benefit up to the limit that applies to your selected plan for each full 24-hour period of quarantine, if you are placed under mandatory quarantine by the local authorities as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas. Quarantine benefit is payable for quarantine at designated facility which is legally recognized by respective countries’ legislation.

Q13: If I am hospitalised overseas, am I entitled to any hospital allowance under my travel insurance?

We will pay you a cash benefit that applies to your selected plan for each full 24-hour period that you are in hospital overseas as an inpatient as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q14: If I contracted COVID-19 upon my return to Singapore, can I claim for medical reimbursement?

The policy is designed to protect you during your overseas journey. If you are diagnosed with COVID-19 within Singapore, after your journey, your policy will not cover the costs of any medical expenses incurred locally.

Q15: Who can purchase TravelSmart Premier?

In order to qualify for travel insurance from Great Eastern, you must meet the following criteria: • You are a Singaporean or Singapore Permanent Resident; or foreigner with a valid Employment Pass, Work Permit, Dependant’s Pass, Student’s Pass or Long Term Social Visit Pass residing in Singapore. • You are at least 18 years old at the time of purchase (only required if you are the applicant). • You are not travelling contrary to the advice of a qualified medical practitioner or for the purpose of obtaining medical treatment. • You bought the policy before you leave Singapore on your trip.

Q16: What is the difference between TravelSmart Premier Basic, Classic and Elite Plans?

The differences are in the policy features and maximum amounts payable per person per trip in the event of a claim. For the best cover and highest protection, we suggest you choose Elite plan. You can view the travel policy document and compare the amounts payable for each of the policy features, to help you choose a suitable plan.

Q17: Who is considered Family under TravelSmart Premier?

For Single Trip Policies, Family means: • An adult and/or his/her spouse and unlimited number of biological or legally adopted children; or • One (1) or two (2) adults who are not related by marriage and a maximum of four (4) children who must be at least family related (i.e. biological or legally adopted child or ward, sibling, grandchild, niece, nephew or cousin) to any one of the adults; and All insured persons under the Single Trip Family Cover must depart from and return back to Singapore together at the same time as a Family.

For Annual Multi-Trip Policies, Family means: • An adult and/or his/her spouse and unlimited number of biological or legally adopted children; and • The insured persons under the family cover are not required to travel together on a journey. However, child insured person under the age of ten (10) years must be accompanied by a parent or adult guardian for any trip made during the period of insurance.

Q18: What do I indicate as the Period of Insurance?

You will need to indicate the start date and end date of your trip for the Period of Insurance. The start and end date will be based on Singapore time. • Start date: The date you are departing from Singapore (e.g. If you are departing from Singapore on 04 Dec 2020 23:50, you should indicate the Start Date as 04 Dec 2020). • End date: The date you are arriving in Singapore (e.g. If you are arriving in Singapore on 05 Dec 2020 00:30, you should indicate the End Date as 05 Dec 2020).

Q19: Can I purchase TravelSmart Premier for my child who is traveling on a student exchange program or field trip?

Yes, child below 18 years old can apply for any plans under an individual cover, provided the proposal is made in the parent or adult guardian's name. Child below 10 years old must be accompanied by an adult (parent or guardian) for the entire trip. Please note that child benefits apply.

Q20: Can I purchase travel insurance if I am already overseas?

No, you will need to purchase your travel insurance before setting off for your overseas trip from Singapore. We strongly encourage you to purchase early before departure as our travel insurance provides pre-journey coverage as well.

Q21: If I have pre-existing illness, can I still purchase travel insurance?

Yes, you may still buy the policy. However, please note that the policy does not cover any loss, damage or liability directly or indirectly arising as a result of any pre-existing medical condition. For more information, please refer to your policy documents.

Q22: I will be travelling to more than two countries and will be back to Singapore before flying to the next country (e.g. Singapore > Bangkok > Singapore > Seoul> Singapore). Can I purchase one single trip policy for the entire journey in this case?

Sounds like a great trip! In this case, you will need to buy 2 separate single trip policies because the coverage for a single trip policy ends when you return to Singapore. Alternatively if you travel more than 3 times a year, an annual policy would be recommended as your insurance costs will be considerably cheaper compared to buying a single trip travel policy each and every time.

Q23: I’m travelling to more than one country during my trip. Can I still get a policy?

Yes, please select all destinations on your itinerary.

Q24: If I am travelling overseas to seek medical treatment, can I take up travel insurance?

Our policy covers people who are travelling overseas for business or for holiday. It is not intended to cover people who are travelling to seek medical treatment.

Q25: If I am only travelling one-way, will I be able to purchase travel insurance?

Yes, please select one-way trip. Your cover will cease when you arrive at your place of residence or workplace in the destination country within 4 days, or 3 hours after you have cleared immigration in the destination country, whichever is earlier.

Q26: Does the policy cover business travel?

Yes. Your policy will cover you for business travel except for • any loss, damage or liability arising as a result of manual or hazardous work; • travel relating to your job as a licensed tour guide or staff of a travel agency; • you taking part in naval, military, air force, civil defence or police training, duties, services or operations. For more information, please refer to the policy document.

Q27: What is the maximum period of coverage for an overseas trip?

• For Single Trip Policy: 182 consecutive days for Classic/ Elite Plan and up to 30 consecutive days for Basic Plan. • For an Annual Multi-Trip Policy: 90 consecutive days for Classic/ Elite Plan and up to 30 consecutive days for Basic Plan.

Q28: When will the coverage for my travel policy start?

Our pre-journey benefits provide coverage for trip cancellation and postponement 30 days before your departure date or policy issuance date, whichever is later. For all other benefits, the coverage starts after departure from Singapore.

Q29: I am stranded in a country and my policy is expiring. Can it be extended?

The Policy will be automatically extended (all plans except Basic Plan) without any additional premium for: • Up to a maximum of 30 days if you are hospitalised and quarantined overseas as advised by the attending medical practitioner. • Up to a maximum of 7 days if: a) The conveyance in which you are travelling is delayed through no act or omission of you. b) The airport or seaport is closed due to adverse weather conditions, strike, riot or civil commotion with the result that the Trip is not completed when the Period of Insurance ceases.

Q30: What are some of TravelSmart Premier’s general exclusions?

TravelSmart Premier does not cover any loss, injury or damage arising if: • You have a pre-existing medical condition. • You are not fit to travel or are travelling against the advice of a doctor. • Any strike, riot, civil commotion, dangerous health threat, natural disaster or any events in the destination you are traveling to which a government or any relevant authority issued a public warning or statement about before you left Singapore. Please refer to the policy wording for the full list of exclusions.

Q31: Are any countries excluded from coverage?

TravelSmart Premier does not cover any travel in, to, or through UN sanction list of countries such as: • Cuba • Iran • Syria • Crimea Region • North Korea

Q32: Does TravelSmart Premier cover adventurous activities?

If you have purchased the Elite or Classic plan, the Policy covers accidental injury or death when you participate in these activities for leisure purposes and under guidance and supervision of qualified guides or instructors of the local licensed tour operator: • Bungee jumping; • Canoeing or white water rafting with a qualified guide and below Grade 4 (of International Scale of River Difficulty); • Dog Sledding; • Hang gliding; • Helicopter or airplane rides for sightseeing; • Hot air balloon rides for sightseeing; • Jet skiing; • Mountaineering at mountains or trekking below the height of four thousand (4,000) metres above sea level; • Paragliding; • Parasailing; • Skiing or snowboarding all within official approved areas of a ski resort; • Sky diving; • Underwater activities involving artificial breathing apparatus for diving up to a maximum depth of thirty (30) metres and insured holds a PADI certification (or similar recognised diving qualification) and is diving with a buddy who holds a PADI certification (or similar recognised diving qualification) or with a qualified diving instructor; • Zip-lining, Zip-riding.

Q33: Does being pregnant affect my travel insurance cover?

We will pay for your necessary medical treatment outside Singapore within the stipulated policy limits for pregnancy-related sicknesses. However, this is not applicable if treatment is sought in home country or for a one way trip policy.

Q34: Am I covered for emergency medical treatment including air ambulance to get me home?

Yes, if the treating doctor and our medical emergency assistance provider agree that an air ambulance is necessary, you will be covered up to the limits shown in your policy.

Q35: Who decides when emergency evacuation is necessary?

This decision will be made by consultation between the treating doctor and our medical emergency assistance provider. Please call our 24-hour Emergency Assistance Hotline at +65 6708 7453 for assistance.

Q36: If I have misplaced my receipts/ documents, can I still claim for loss of personal items?

It is important that you keep the original documentation and receipts for any items that you intend to make a claim for, as this will provide a more accurate assessment of their value. If not, your claim may be affected.

Q37: What should I do if any of my belongings are lost or stolen? Is a police report required?

You need to report the theft or loss to the police within 24 hours of discovering it, and ask them for a report in writing. If applicable, report the theft or loss to your airline, transport company or hotel and ask them for a report in writing. These documents will be required when you are making a claim.

Q38: What should I do if I fall sick or encounter an accident abroad?

Please contact our 24-hour Emergency Assistance Services Hotline at +65 6708 7453 if you need emergency medical assistance while travelling.

Q39: How do I file for a claim?

To submit a claim, you can download a copy of our claim form here: https://giexchange-sg.greateasterngeneral.com/giexchange/pdf/Travel_Claim_Form.pdf. Claims submission should be filled in with full particulars and full facts of the claim including its occurrence, detailed circumstances and extent of loss, and submit it with any supporting documents as soon as reasonably possible but no later than 30 days after the incident. For general enquiries: Please contact our Customer Service Hotline at 6248 2888, Mondays to Fridays, 9am to 5.30pm (excluding public holidays) or email us [email protected] . Alternatively, you can inform your servicing agent who can also assist you with the claim.

Q40: Will I receive a premium refund if I decide not to proceed with my Trip?

• Cancellation for Single Trip Policy: The policyholder may cancel this Policy at any time prior to the commencement of this Policy coverage and the cancellation will apply from the date we receive the notice of cancellation. We will refund the premium paid less S$25 administrative charge. However, there will be no refund if we receive the notice of cancellation on or after your trip departure date.

• Cancellation for Annual Multi-Trip Policy: If this Policy is issued as an annual multi-trip Policy, it may be terminated by either party by giving 1 month’s written notice. If this Policy is terminated by us, a pro-rata refund of premium will be granted to the Insured for the remaining part of the Policy Period. If the Insured terminates this Policy, the refund of premium will be based on the following scale:

Q41: Can I amend the start date of my travel policy?

Unfortunately, it is not possible to amend the start date. The existing policy would need to be cancelled and replaced with a new policy. Please note that you cannot cancel a short-term travel policy once you have passed the designated start date.

Q42: What type of changes do we need to tell you about?

You will need to inform us of any changes to the information completed when taking out travel insurance from us. This will include, but not be limited to: your name, your travelling companion details, details of your children, trip details including region to be visited and duration of trip, and any other additional information that might impact on your risk either before or while travelling.

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Understand the details before buying

With effect from 15/10/2021, COVID-19 coverage will be extended under Elite and Classic plans automatically to countries under the latest permitted travel arrangements as per Singapore Government travel advisory. Kindly note that some countries may require COVID-19 insurance coverage as a condition of entry. Please ensure you select a plan that meet the requirement of your intended destination(s). For full details of the COVID-19 coverage, please refer to the brochure and FAQ.

1  COVID-19 extension is applicable up to 90 days each trip for Elite and Classic single trip 2-way plans and annual multi-trip plans.

2  Not applicable for Basic Plan.

• The above is for general information only. It is not a contract of Insurance. Please refer to the policy documents for the precise terms and conditions of the insurance plan.
• This policy is subject to the Premium Before Cover Warranty Clause, which requires the premium to be paid and received on or before the inception date of the Policy.
• This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of bene­fits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites ( www.gia.org.sg  or  www.sdic.org.sg ).
• TravelSmart Premier is underwritten by Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and a member of the OCBC Group.

Information correct as at 22 June 2022.

Travel Flash Deal, 1 - 15 May only!

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Use promo code <TSP40%> for 40% off ^ single trip 2-way plan, PLUS receive S$20 e-vouchers * when you purchase via Great Eastern App. Limited to first 300 policies only.

Use promo code <TSP10A> for 10% off ^ annual multi-trip plan, PLUS receive S$50 e-vouchers * when you purchase via Great Eastern App . Limited to first 100 policies only.  

^ Promotion is valid from 1 May to 15 May 2024. Applicable for Classic and Elite single trip 2-way plans and annual multi-trip plans only. Applicable for new policy sign up(s) excluding renewal(s) and is only applicable for applications submitted online. * To be eligible to receive the vouchers, it is applicable for purchases made on the Great Eastern App only. Promotion is valid from 1 May 2024 until 15 May 2024. Click  here  to view the full terms and conditions.

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6 Things to Know About Travel Insurance for Extreme Sports and Outdoor Adventure Coverage (2024)

We all know friends who are adrenaline junkies. Those who get kicks out of taking crazy risks and going on wild adventures all around the world. Heck, maybe you’re thinking: That’s me.

We all know how important travel insurance  is, but if you’re planning a ski trip, scuba diving trip or something even crazier than that, then you need to know which travel insurance cover extreme sports and outdoor adventure .

Here are 6 things you need to pay attention to when buying any sort of adventure sports travel insurance.

Travel Insurance for Extreme Sports and Outdoor Adventure Coverage

• Best travel insurance for outdoor sports
• What are the common outdoor adventure exclusions for travel insurance?
• What are the common personal accident and personal liability exclusions?
• Which outdoor activities are usually excluded?
• How much do extreme sports riders cost?
• Do you need sports equipment coverage?
• Do you have sufficient emergency medical evacuation coverage?

1. Best travel insurance for outdoor sports

Planning your long-awaited trip overseas with your pals for scuba diving, rock climbing, skiing or snowboarding?

Remember to get travel insurance that covers your winter sports, water sports, or mountaineering and rock climbing (usually considered more dangerous).

When browsing travel insurance plans, you’ll realise that sports and adventure are usually split into 3 broad categories:

• Leisure and recreational outdoor activities : Hot air balloon, scuba diving (up to 30m/40m, guided by licensed instructors, with PADI certification), skiing and snowboarding in resorts, hiking or trekking (up to 3,000m), jet ski, white water rafting, skydiving, paragliding, hang gliding, parachuting etc
• Other more extreme sports : Bungee jumping, mountaineering, rock climbing (any climbing that involves ropes and equipment)
• Competitions (not covered across all insurance companies except for Direct Asia) : Marathons, ultra-marathons, biathlons, triathlons

This table below is a general comparison. Click in to each travel insurance review to see the specific outdoor activities they cover:

Back to top

2.  What are the common  outdoor adventure exclusions for travel insurance?

Even if your travel insurance plan claims that it covers outdoor adventure and extreme sports, there will still be exclusions—a.k.a. activities that your insurance company is not willing to cover. Here are a few major examples:

• Any professional competitions or sports in which you get paid, sponsored or receive any kind of financial reward
• Any leisurely contact sport or MMA classes such as Muay Thai, Brazilian Jiu Jitsu (BJJ)
• Mountaineering or rock climbing that involves ropes and climbing equipment, especially if it’s done unharnessed and outdoors on a wall that is not man-made
• Expeditions to inaccessible, remote or previously unexplored places
• Being the pilot or a crew member of an aircraft (except for your commercial flights eg. SQ)

You’ll be surprised that most marathons are not covered by travel insurance since there’s a grand prize you technically can win.

Now, you might say that you’re probably not going to do any of these sports. But between insurance companies, there are different standards as to what’s allowed, so always check your terms and conditions before you buy your travel insurance.

Lazy? Scroll up and you can read through our travel insurance reviews instead. We’ve scoured through policy wordings and terms and conditions for their outdoor adventure and extreme sports coverage.

3. What are the common personal accident and personal liability exclusions?

While some travel insurance seems to have a comprehensive coverage, you have to make sure that the activity that you are doing is covered under Personal Accident or Personal Liability.

For instance, if you got the Singlife travel insurance and decided to buy the Adventurous Water Sports rider as well, you will be covered for all the usual scuba diving (up to 40m), white water rafting, kayaking, yachting, wakeboarding etc.

You’ll have to scroll to the end of your policy wording to check out the terms and conditions. Singlife travel insurance states that it covers you for:

• accidental death and permanent disablement
• emergency medical cover
• personal liability

In other words, if you get seriously injured during any of these activities, your Singlife travel insurance will cover emergency medical costs, your death, and any damage you caused to the properties in that accident.

However, if you were to look at Etiqa travel insurance , you’ll see that the plan covers you for personal accidental death. When it comes to personal liability, some outdoor activities are excluded, such as:

• motorcycles, motor cars

These are exactly the kind of activities where you’re more likely to suffer an accident. So don’t forget to check the fine print!

Total Premium

[MoneySmart Exclusive]    • Enjoy 40% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply • Get S$88 Revolut Cash Award* with every policy purchased.  T&Cs apply.    PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.    [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

Key Features

Comprehensive COVID-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Get paid upon a 3-hour flight delay, even without submitting a claim

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

4. Which outdoor activities are usually excluded?

Some activities will be covered by your travel insurance, but only if it’s within a specific circumstance. Again, this is not being unrealistic. But it does mean you have to be careful that your activities don’t exceed the boundaries set by your travel insurance. These are examples of some activities which aren’t covered by your insurance:

• Canoeing or white water rafting without a qualified guide or Grade 4 and above (of the International Scale of River Difficulty).
• Off-piste skiing, or going off trail and skiing outside the officially approved boundaries of a ski resort.
• Mountaineering beyond the height of 3,000 metres above sea level. (Some insurers raise this limit to 3,500m or even higher—check the policy document for the specific figure.)
• Underwater activities involving artificial breathing apparatus for diving deeper than 30 metres.

So while some of these activities are covered by certain travel insurance policies, they do have limits to their coverage. Be careful to stay within the stipulated boundaries.

5. How much do extreme sports riders cost?

Some travel insurance companies require that you upgrade your travel insurance plan to include winter sports rider or outdoor adventurous activities riders. Although it might seem unfair to incur a steep increase in the premium price, do note that most of the time, this increases your coverage for other categories within the same plan as well.

How much do these winter sports and sports riders cost?

Currently, there are 2 travel insurance plans that require you to buy sports riders:  Direct Asia travel insurance  and  Singlife travel insurance . The latter costs $8.38 per week for Adventurous Water Sports rider  or $8.13 per week for the Winter Sports rider.

DirectAsia DA200

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]     • Enjoy 40% off your policy premium and  S$88 Revolut Cash Award* 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, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly     Increase your chances of winning when you refer friends  today. T&Cs apply     PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

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

Singlife Travel Plus

[Receive your cash as fast as 30 days*]   • Enjoy 25% off your policy premium • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$30  via PayNow with eligible premiums spent.  T&Cs apply.   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

Covers trip cancellation for any reason, T&Cs apply.

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas.

Payout of up to S$150** should your trip be affected by excessive rainfall.

**For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

Seamless claims experience with PayNow

6. Do you need sports equipment coverage?

If you’re a hardcore skier or diver, then this section should not be news for you. If you have your own sporting equipment that you intend to bring on the trip, you have to be aware how much your travel insurance is covering you. When your gear can cost a few hundred dollars, you’ll definitely want to invest in a plan that will insure you don’t lose out if your gear is stolen or damaged.

7. Do you have sufficient emergency medical evacuation coverage?

This is especially important if you’re planning to go scuba diving, hiking or skydiving. Since you’re most likely not going to be near any decent medical facilities should anything happen, you may need to get emergency medical evacuation.

Check to make sure your travel insurance policy covers you sufficiently for such an occasion. Where possible, choose policies that can give you at least $500,000 cover for medical evacuation, even if you end up paying a little more. Here are some that offer $500,000 or more:

Bubblegum Travel Insurance

[Receive your cash as fast as 30 days*]   • Enjoy 10% off your policy premium • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$25  via PayNow with eligible premiums spent.  T&Cs apply.   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

Covid-19 trip related cancellation/curtailment up to $600 SGD included

Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

MSIG TravelEasy Standard

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]      • Enjoy up to 45% off your policy premium • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM 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.      BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly      Increase your chances of winning when you refer friends  today. T&Cs apply      PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  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)

AIG Travel Guard® Direct - Enhanced

[Receive your cash as fast as 30 days*]   • Get up to 52% worth of cashback with eligible premiums spent. • Additionally, receive  S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

Voted TripZilla's Best Travel Insurance (Single Trip).

Up to S$250,000 in overseas COVID-19 related medical coverage if you are diagnosed with COVID-19 overseas.

Overseas quarantine allowance of up to S$100 per day per person for up to 14 days if you test positive for COVID-19 overseas and are unexpectedly placed into mandatory quarantine.

Up to S$1,500 if you are diagnosed with COVID-19 and have to postpone your trip.

Up to S$7,500 in curtailment costs if you are diagnosed with COVID-19 while travelling and need to return to Singapore earlier than planned.

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'I just hope nothing happens to me': Why some young adults in S'pore face the future under-insured

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SINGAPORE — With a passion for theatre and drama, and saddled with zero financial commitments, Mr Leonard Tan, 28, decided to “follow his heart” before working towards financial stability. 

This audio is AI-generated.

• Many young adults in Singapore are under-insured, industry figures showed
• Various survey results found that a majority of Gen Z respondents lack coverage for critical illnesses and accidents
• Reasons for under-insurance included a focus on immediate goals, irregular income from non-traditional jobs, and a "live in the moment" mindset
• Some parents would buy insurance for their children but without updating policies, so young adults can still be under-protected
• Insurers said that closing this gap would require better education, tailored coverage, and engaging young adults through innovative methods

Amanda Yeap

SINGAPORE — With a passion for theatre and drama, and having no financial commitments, Mr Leonard Tan decided to “follow his heart” before working towards financial stability. 

On the upside, the 28-year-old has the freedom to pursue acting and hosting as a freelancer without worrying too much about money beyond his day-to-day expenses.

On the flipside, apart from the basic MediShield Life plan provided by the Government's Central Provident Fund Board, he has no insurance coverage should he be hit with an unforeseen turn of events. 

“ Financially, I’m not the most comfortable yet. Insurance can be an unnecessary expenditure. What if I never fall ill or get into an accident? Then I’ll be paying for nothing, right? Mr Leonard Tan, 28 ”

He told TODAY of his financial priorities: “Financially, I’m not the most comfortable yet. Insurance can be an unnecessary expenditure. What if I never fall ill or get into an accident? Then I’ll be paying for nothing, right?”  

Asked if he had ever thought about unfortunate events happening to him and what he would do, Mr Tan said that buying insurance is not “totally out of the window” for him and he plans to get insured fairly soon. 

“I know I can’t wait too long because the premiums will get more expensive the older I am. But I'm okay with the current situation. I just hope that nothing happens to me.” 

Mr Tan is not alone. A recent TODAY commentary suggested that most young adults in Singapore are under-insured , as there is a clear shift in insurance needs and priorities among millennials and those in Generation Z.  Millennials have been grouped as those born between 1981 and 1996, and Gen Zers as those born from 1997.

Being under-insured means that you are not sufficiently covered for unexpected events, leaving you financially vulnerable to paying a significant portion of costs, such as an unforeseen health crisis, out of your own pocket.

Young adults are said by some observers to navigate life with a sense of invincibility, and some data supported this view.

In a survey last year by insurance firm FWD, more than 68 per cent of Gen Z respondents indicated that they did not have coverage for critical illnesses such as cancer and stroke. 

A survey by Etiqa Insurance indicated that 55 per cent of younger Singaporeans showed low confidence in investing. Another 44 per cent felt the same about having sufficient means to build emergency funds. 

It is worth noting in passing that both those firms, FWD and Etiqa, make money from selling insurance.

Separately, a study by the Life Insurance Association (LIA) showed that the issue of being under-insured is not exclusive to young adults. It reported a critical illness protection gap of 74 per cent, or S$579 billion, for economically active Singaporeans aged between 20 and 69.

This means that adequate protection needs amounted to S$783 billion, but the coverage bought was just S$204 billion, resulting in the 74 per cent gap. 

“ While they may understand the importance of being protected against financial uncertainties, Gen Z faces an ongoing dilemma because that generation of people also want to spend on current experiences that they enjoy such as dining, shopping and travel. Life Insurance Association's executive director Chan Wai Kit ”

LIA's executive director Chan Wai Kit told TODAY that people aged 25 to 29 possibly have less financial ability to buy the insurance coverage they require and may not recognise the need as much compared to other priorities.

"While they may understand the importance of being protected against financial uncertainties , Gen Z faces an ongoing dilemma  because that generation  of people also want to spend on current experiences that they enjoy such as dining, shopping and travel ."

TODAY spoke to several insurance firms and financial consultants to find out whether Gen Zers are significantly different from other age cohorts when it comes to buying insurance policies and what can be done to close the gap. 

HOW IS GEN Z DIFFERENT?

Mr Raymond Ong, chief executive officer of Etiqa Insurance Singapore, said that several barriers prevent young adults who are still establishing themselves financially from buying insurance.

These barriers included economic uncertainty, fluctuations in the job market, and the rising cost of living, he said.

The shifting attitudes of Gen Zers towards work and financial planning also added layers of complexity. 

“Gen Zers are more open to non-traditional employment arrangements, such as freelancing or entrepreneurship, which may result in irregular income streams and a lack of employer-sponsored benefits, including insurance coverage.” 

Mr Ong also said that there is a perceptible trend among Gen Zers towards embracing a “live in the moment” ethos, which may inadvertently sideline long-term financial considerations such as insurance planning. 

“As they focus on planning for these major purchases, insurance coverage often takes a backseat. This prioritisation of immediate goals over insurance means that their savings are frequently allocated towards these endeavours instead, leaving them under-insured.” 

Mr Mark Czajkowski, chief marketing officer of insurer Manulife Singapore, echoed these points.

He pointed to a study that the firm ran this year, which showed that "having sufficient insurance" ranked eighth in priority in the long-term financial goals of the young adults surveyed. 

Other goals such as saving for emergencies, travel, and home ownership take precedence. 

“ Most Gen Zers may not need to provide for their parents financially, and unless they are married, they may not see the need to get insured at all. Ms Pamela Chong, associate manager at Legacy FA, a financial advisory firm ”

Ms Pamela Chong, associate manager at Legacy FA, a financial advisory firm, said that having a different mindset on family planning was also a contributing factor.  

“Most Gen Zers may not need to provide for their parents financially, and unless they are married, they may not see the need to get insured at all,” she added. 

“However, it is also worth noting that the trend now is that more of them are getting married later, and a large portion of them may not even want kids after seeing all the various sacrifices that their parents have gone through.” 

As this mindset slowly becomes the norm among their peers, Ms Chong said that Gen Zers are likely to view paying insurance premiums as a form of liability instead of an asset. 

WILL IT HELP IF PARENTS BUY INSURANCE FOR THEIR CHILDREN?

Mr Colin Chan, managing director for marketing at insurer Great Eastern, said that Singaporeans have become more affluent over the generations, so some parents have begun pitching in more to help their children buy insurance. 

Likewise, Mr Ong of Etiqa said that parents of today’s young are more insurance-savvy, such that many young adults may own insurance coverage bought for them during their childhood or schooling years. 

However, he said: “Without a comprehensive understanding of the scope and limitations of these policies, young adults may mistakenly assume they have adequate protection and end up under-insured.” 

One millennial interviewed by TODAY fell into this category.

Account manager Eliza Wong, 30, said that she has not bought any personal insurance for herself despite knowing that it is good to acquire some form of protection. 

She could only vaguely recall being covered by her mother’s extended family plan, which she does not know much about, including what she is insured for and how much. 

“With so many options out there, it feels like I'm in a decision paralysis and also partly because (buying insurance) requires a lot of thought and research before committing to a plan,” she said. 

“Very honestly, (insurance has) never been a big priority or something that occupies any brain space. And I think a big part of it is the lack of education and complacency.”  

Another possible issue that arises if parents have bought insurance for their offspring is the need to update these policies as their children grow older, which some may forget to do. 

Financial adviser Jack Foo, 35, said that parents might forget to check if better insurance plans are on offer today compared with the ones they bought for their children years ago. 

“Parents, or the children themselves if they are financially capable, should also remember to increase the coverage requirements as inflation increases the general cost of living, including healthcare.” 

HOW TO CLOSE THE GAP

So what more can insurers do to help close the gap?

Mr Ong of Etiqa said that insurers should refocus on engaging and educating younger consumers more effectively. They can also provide affordable coverage tailored to the younger demographic’s needs and circumstances. 

“For example, while considerations of mortality might feel distant for many in this age group, the possibility of facing critical illnesses or accidents is likely to resonate with them. 

“Insurers can prioritise initiatives that aim at simplifying the insurance process for Gen Zers and enhancing their financial education with regard to insurance as a financial safety net.” 

Similarly, financial service consultant Edgar Tan, 36, said that specifically for Gen Z, it is about educating, creating awareness, and creating a sense of urgency for them to recognise the importance of insurance.

“Personally, I don’t find them more difficult compared to Gen X and Gen Y. We just need to find the right stories and lingo to engage them.” 

On the other hand, Ms Chong of Legacy FA said that insurers could do more by making more creative and simple-to-understand short videos depicting the need for insurance coverage available. These may be shown in schools.

“This could start as early as primary level. The depth of the knowledge to be shared can slowly progress along with the education years,” she suggested, adding that this will give financial practitioners like her a headstart when engaging Gen Z or future generations on insurance planning.

From the young adults’ point of view, Ms Hannah Jamal, 27, said that it would be good if topics such as insurance coverage were introduced in schools, for example, during Character and Citizenship Education lessons. 

“Also, generally, I do feel like many people avoid insurance agents. So maybe more education can be done through different methods instead of the traditional face-to-face interaction at roadshows or meet-ups because I think this scares the young ones.” 

Ms Hannah, who is unemployed, said that she plans to review her plans soon with her financial adviser since she had bought basic health plans five years ago, where the coverage is for early stages of critical illness with a coverage limit of S$20,000.  

Ms Wong, the account manager, said that she is likely to benefit from a national roadmap guide outlining the recommended plans for each age group or life stage.

"But I think it will take a lot of time to look into these things and there is inertia."

As for what she plans to do in the meantime, Ms Wong admitted that her siblings and friends have also asked her about getting insurance. "If something bad does happen, I'll probably regret not taking this more seriously at this stage.

"At the same time, life is life. I understand it's the consequence of my actions. But I don't plan on dying anytime soon." 

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5 Mistakes You Are Making When Buying Insurance In Singapore

Want to make sure you are getting the best insurance coverage for your money? Here are some things you should avoid doing when buying a policy.

by ValueChampion Editorial Team on May 7, 2024

Singaporeans recognise that getting enough insurance coverage is an essential step in their long-term financial planning. Yet, the somewhat confusing nature of these financial products make consumers uncertain about how they should approach buying insurance.

A survey conducted by the Financial Planning Standards Board (FPSB) in June 2015 found that seven in 10 respondents said they did not know who to trust (for financial planning) , with Singaporeans ranking at the bottom three across Asia for their confidence in their financial strategy and knowledge.

While Singaporeans benefit from the nationwide Medishield Life programme as an access to basic health insurance, most of us also know that it is inadequate on a more comprehensive level. So before you take out any insurance blindly for the sake of it, here are some common mistakes to avoid when taking up insurance coverage here.

Discover The Best Health Insurance Plans Find Out More

Using insurance as an investment.

Insurance products have certainly evolved to cater to the multiple needs of the consumer. Other than simply providing monetary benefits when unforeseen illnesses strike, it is increasingly seen as an investment tool as well.

Life insurance in Singapore provide options to invest via investment-linked products –insurance that comes with an investment component where part of your monthly premiums are used to buy units in funds. There are also those that build up cash value over time, similar to a savings plan where you will be able to get back a fixed sum of money after staying with the policy for a set number of years.

While these products may be suitable for those who aren’t actively investing or not sure how to, they are perhaps not the most cost-efficient way to manage your money. It is a well-known fact that these products charge high management fees compared to investment funds you find on the market. It is best to separate your various financial needs and to buy insurance purely for coverage so that you do not pay for these excessive charges.

Compare Online Brokerages in Singapore Find Out More

Ignoring exclusions.

Certain health insurance do not cover all types of health conditions, so you need to make it a point to ensure that any existing health conditions you may have are declared before you take up a policy. This can also include your family’s health history and your propensity towards getting certain types of disease. The consequence of not checking this will be to pay for many years of premium and not being able to proceed with claims because the condition was excluded.

Related: 5 Surprising Things Your Integrated Shield Plan Doesn’t Cover

Getting over-insured.

Due to the complexity of insurance policies, you may not find one single insurance policy that is all encompassing, and there is a chance that there are overlaps in coverage from buying a few insurance policies.

The fact is it is quite impossible to have “all-in” coverage, or you will probably end up with thousands of dollars of premiums to pay per month. The best way to get around this is to establish your coverage priorities according to your life-stages.

For instance, a young adult who is new to the working world may want to focus on getting a hospitalisation plan  first and getting a  critical illness plan in his thirties. If you are starting a family, you may want to look into getting a term plan with death benefits, as well as a disability income plan. Everyone’s needs differ so discuss with a trusted advisor about your needs to look for a plan that is suitable and affordable for you.

Get Your Critical Illness Insurance Quote Find Out More

Buying on Friendship

It is surprising that being the Asian financial hub it is, Singaporeans still rely primarily on friends and family for financial matters and planning. This signifies that a huge emphasis is placed on trust when it comes to consumption of financial products.

However, this hardly beats spending time getting yourself educated and understand your individual needs when choosing a suitable insurance policy. The other possible downside is that because you are buying from someone familiar, you may take-for-granted that whatever advice given is gospel and trust in it without doing the relevant research or seeking a second opinion.

Not Making Comparison Across Insurance Products

While there are many comparison sites here that focus on credit cards and loans , insurance products are a little tougher to compare as each policy can differ by their type of coverage, number of conditions and the premiums charged. It is difficult to compare like-by-like, which is also why consumers tend to take on the recommendations given by the agent they meet.

The Monetary Authority of Singapore (MAS) has launched their Direct Purchase Insurance initiative last year, allowing consumers to compare and buy basic life insurance products directly. Although the product range is limited and you still need to contact a specific insurer to purchase a policy, it can serve as a useful tool to get yourself acquainted with the types of products available instead of speaking to an adviser which is tied down to a single insurer.

Buying insurance can be a confusing and time-consuming process, but it is equally important to ensure that you get the right products so that you do not end up wasting thousands of dollars to find out that you are not eligible for any claims when you need it the most.

Learn more about the best health insurance plans on the market before you purchase additional coverage.

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• Save for Your Child’s Education with An Endowment Insurance Plan

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