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

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

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

NTUC Travel Insurance: Summary

NTUC Travel Insurance Coverage

NTUC Travel Insurance Pre-Existing Conditions

NTUC Travel Insurance COVID-19 Coverage

NTUC Travel Insurance: Extreme Sports

NTUC vs MSIG vs Etiqa Travel Insurance

NTUC vs FWD Travel Insurance

NTUC Travel Insurance vs Other Travel Insurers

NTUC Travel Insurance Promo

NTUC Travel Insurance Claim

Should I buy NTUC Travel Insurance?

1. NTUC Travel Insurance Summary

NTUC Income has 2 travel insurance plans:

NTUC Travel Insurance Standard

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

Each travel insurance plan is then further sub-divided into 3 plan tiers which provide different amounts of coverage:

Classic/ Basic PreX

Deluxe/ Superior PreX

Preferred/ Prestige PreX (most expensive)

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

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

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

Worldwide : All countries

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

2. NTUC Travel Insurance Coverage

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

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

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

Total Premium

25% Off Total Premium S$18.13

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FWD Premium

Med. Coverage (Overseas)

Trip Cancellation

Loss/Damage of Baggage

Total Premium Total Premium S$18.13 25% Off

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Valid until 15 Dec 2023

More Details

Key Features

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

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

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

See all plan details 

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

Great Eastern TravelSmart Premier Classic

Loss of Baggage

Comprehensive worldwide protection with extensive medical coverage

Extended to coverage for travel inconveniences and medical expense due to COVID-19

One way coverage is availble to your destination

Adventurous activities benefit - Complimentary benefits at no extra cost

Coverage for Emergency Dental Treatment, Traditional Chinese Medical (TCM) and Chiropractor treatments

Protect against pregnancy-related conditions while you are overseas

Most Flexible Plan

AIG Travel Guard® Direct - Supreme

Overseas Medical Expenses

Travel Cancelation / Postponement

Loss/Damage of Personal Baggage

[Receive your cash as fast as 30 days*]   All eligible customers are guaranteed up to S$70 in Cash   (via PayNow)   and rewards*!   Additionally, receive an  Eskimo Global 1GB eSIM*  worth USD7 (no min. premium required)! T&Cs   apply. 

Valid until 31 Dec 2023

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.

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).

Purchase your travel insurance with confidence and enjoy unlimited flexibility with AIG's Travel Guard® Direct

3. NTUC Travel Insurance Pre-Existing Conditions

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

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

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

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

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

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

NTUC Enhanced PreX Travel Insurance Premiums and Coverage:

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

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

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

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

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

4. NTUC Travel Insurance COVID-19 Coverage

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

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

NTUC travel insurance’s COVID-19 coverage and benefits:

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

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

5. NTUC Travel Insurance: Extreme Sports

Since our last review in July 2022, NTUC has updated its Travel Insurance policy to include more c ommon vacation activities like scuba diving and skiing. Nevertheless, extreme thrill seekers may want to go for a more lenient insurance provider such as  Direct Asia travel insurance , which properly covers extreme sports and martial arts.

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

6. NTUC vs MSIG vs Etiqa Travel Insurance

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

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

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

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

7. NTUC vs FWD Travel Insurance

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

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

8. NTUC Travel Insurance vs Other Travel Insurers

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

9. NTUC Travel Insurance Promo

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

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

In addition, Income is offering an additional 15% off Enhanced PreX per-trip plans with complimentary personal accident coverage for 6 months.

10. NTUC Travel Insurance Claim

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

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

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

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

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

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

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

Trip cancellation

Trip shortening

Travel delay

Baggage delay

Loss and damage of baggage or personal belongings

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

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

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

11. Conclusion: Should I buy NTUC Travel Insurance?

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

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

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

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

Still looking for travel insurance? Compare the  best travel insurance  in Singapore here .

The post NTUC Income Travel Insurance Review: COVID-19 Coverage, Pre-existing Conditions, Premiums appeared first on the MoneySmart blog .

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

Asia One · 2023-12-14 12:10

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

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

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

1. NTUC travel insurance summary

NTUC Income has two travel insurance plans:

NTUC Travel Insurance Standard

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

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

Classic/ Basic PreX

Deluxe/ Superior PreX

Preferred/ Prestige PreX (most expensive)

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

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

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

Worldwide: All countries

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

2. NTUC travel insurance coverage

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

NTUC Travel Insurance Classic Deluxe Preferred

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

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

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

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

Emergency medical evacuation $500,000 Unlimited Unlimited

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

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

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

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

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

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

Covid-19 Yes

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

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

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

3. NTUC travel insurance pre-existing conditions

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

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

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

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

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

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

NTUC Enhanced PreX travel insurance premiums and coverage:

NTUC Enhanced PreX Travel Insurance Basic PreX Superior PreX Prestige PreX

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

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

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

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

Emergency medical evacuation Unlimited Unlimited Unlimited

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

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

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

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

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

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

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

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

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

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

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

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

4. NTUC travel insurance Covid-19 coverage

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

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

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

NTUC Travel Insurance Covid Coverage (covers PreX)

Trip cancellation $2,000

Trip postponement $2,000

Trip shortening $2,000

Trip disruption $1,000

Medical expenses overseas $150,000

Emergency medical evacuation $150,000

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

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

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

5. NTUC travel insurance: Extreme sports

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

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

Extreme Sports & Outdoor Adventure NTUC Travel Insurance

Hot air balloon Not stated

Scuba diving Yes (up to 30m)

Skiing and other ice/snow sports Yes

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

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

Marathons and other competitions Yes

Jet skiing Not stated

White water rafting Yes

Skydiving Yes

Paragliding, hang gliding or parachuting Yes

Bungee jumping Yes

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

6. NTUC vs MSIG vs Etiqa travel insurance

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

  NTUC Travel Insurance MSIG Travel Insurance Etiqa Travel Insurance

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

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

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

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

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

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

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

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

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

7. NTUC vs FWD travel insurance

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

  NTUC Travel Insurance FWD Travel Insurance

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

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

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

Emergency Medical Evacuation $500,000 – Unlimited Unlimited

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

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

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

8. NTUC travel insurance vs other travel insurers

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

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

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

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

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

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

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

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

9. NTUC travel insurance promo

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

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

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

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

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

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

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

10. NTUC travel insurance claim

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

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

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

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

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

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

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

Trip cancellation

Trip shortening

Travel delay

Baggage delay

Loss and damage of baggage or personal belongings

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

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

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

11. Conclusion: Should I buy NTUC travel insurance?

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

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

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

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

This article was first published in MoneySmart .

Travel Insurance NTUC

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• Income Travel Insurance: Is It a Good Deal?

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

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

Table of Contents

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

Sports Coverage

Claims & contact information.

• Income Coverage & Benefits

NTUC Income Travel Insurance: What You Need to Know

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

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

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

Notable Exclusions

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

NTUC Income Enhanced PreX Plans Travel Insurance

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

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

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

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

Summary of NTUC Income Travel Insurance Benefits & Coverage

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

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

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

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City Nomads

COVID-19 Travel Insurance: The Best Coverage for Medical Costs, Cancellations, and More for Singapore Travellers

PUBLISHED December 13th, 2021 05:00 am | UPDATED July 27th, 2022 04:11 pm

Remember the days we could hop on a plane without a care in the world? Post-pandemic , travellers have more to worry about than a once-in-a-blue-moon case of lost luggage . COVID-19 remains a travel risk that can rack up hefty bills when it strikes, from medical costs to quarantine woes to trip cancellations. That means travel insurance is no longer an extra frill – it’s a safety net you can’t skimp on.

As Singapore launches VTLs in quick succession, insurance providers are fast catching up with policies featuring COVID-19 coverage. We’ve combed through the fine print to pick out the best single-trip travel insurance plans with COVID-19 coverage for Singapore travellers, from the budget-friendly to the comprehensive.

Allianz Travel Insurance

For comprehensive coverage at a pocket-friendly price, there’s no beating Allianz Travel’s Comprehensive Bronze  policy. This single-trip plan has you covered in medical emergencies with up to S$1,000,000 in benefits, including selected COVID-19 coverage. Should your trip be cancelled because you test positive for COVID-19 prior to departure – or other covered reasons – you can claim coverage of up to S$15,000. You’ll also get the benefit of peace of mind with 24/7 assistance – their Emergency Medical Assistance team can arrange appointments and even organise direct payment to selected providers.

Their fuss-free claim process is a plus point – unlike providers which require original documents, you can simply upload a scan or photo of your documents to Allianz Travel’s online portal. Folks planning on a longer time abroad can consider their International Health Insurance too. Working much like health insurance at home, this multi-country plan covers not just emergency treatment but also diagnosis and post-treatment care. With 24/7 multilingual support, always-on digital services, and telehealth consultations, it’s ideal for expat families or professionals working abroad.

Allianz Travel ‘s Comprehensive Bronze Plan starts from S$35.10 for Single-Trip Travel Insurance. City Nomads readers can enjoy 40% off travel insurance with the exclusive promo code citynomads40 , from now till 28 February 2022. Get your quote here . 

AIG Travel Guard

There’s nothing like a quarantine order to derail your travel plans in an instant, but having your expenses covered offers some small relief. One major perk of AIG Travel Guard’s COVID-19 coverage is a S$100-per-day quarantine allowance across all policy tiers, in the event that COVID-19 strikes and leaves you in self-isolation.

Their mid-tier Superior Plan offers a stellar range of COVID-19 benefits besides, with up to S$250,000 in coverage for your overseas medical expenses and a 24/7 emergency hotline to count on. Should you test positive for COVID-19 before or during your vacay, there’re travel cancellation and curtailment benefits of up to S$5,000 – more than enough for mid-range trips.

AIG’s Travel Guard Superior Plan starts from S$69 for one-week single-trip travel insurance within Zone 1 countries. Find out more here . 

NTUC Income Travel Insurance

If you’re on a slim budget, make your coverage count with NTUC Income’s frills-free Classic Plan . Automatically included for all single-trip insurance plans, their COVID-19 Coverage Extension offers up to S$150,000 in related medical expenses, and another S$150,000 for emergency medical evacuation needs. For trip cancellations and postponement, you can recoup some losses with a modest S$2,000 in benefits.

Pandemic mishaps aside, the Classic Plan packs solid coverage for personal accidents to the tune of S$150,000, and up to S$250,000 for non-COVID-19 medical expenses. The cherry on top? NTUC Income has partnered with Raffles Medical to offer pre-departure COVID-19 PCR tests at a discounted rate of S$124.20, available upon purchase of a single-trip plan.

NTUC Income’s Classic Plan starts from S$43.32 for a one-week trip within Southeast Asia. Find out more here . 

HL Assurance Travel Protect360

In terms of COVID-19 medical benefits, HL Assurance’s Travel Protect360 Enhanced Plan  sits on the lower end of the spectrum – up to S$50,000 coverage for medical expenses. But it comes with unique features like overseas hospitalization cash benefit of S$100 for every 24 hours, as well as unlimited coverage for medical evacuation.

For trip cancellations and postponement due to COVID-19, the policy extends up to S$1,000 and S$750 in benefits respectively – a fairly slim coverage that may be best suited to weekend getaways. Another unique feature, however, is their No Claim Discount. If you complete a trip without making any claims from your travel insurance, you can enjoy up to 10% off your next travel insurance purchase with HL Assurance.

HL Assurance’s Travel Protect360 Enhanced Plan starts from S$79 for a one-week trip within Southeast Asia; currently, the brand is offering a half-price discount at S$39.50. Find out more here . 

Singlife Travel Insurance

If you’re after a truly comprehensive safety net to put your mind at ease, Singlife’s Travel Prestige plan has all the bases on medical expenses covered. This top-tier policy features unlimited coverage for overseas medical expenses, albeit with a maximum of S$20,000 to cover medical costs related to COVID-19. Grounded in quarantine overseas? Take comfort in an allowance of S$100 for every 24 hours. There’s unlimited coverage for emergency medical repatriation due to COVID-19 too.

Outside of COVID-19 woes, this plan is a notable all-rounder. Besides generous benefits on personal accident protection and overseas hospitalization income, you’re covered for emergency chiropractor and Chinese physician treatments too.

Singlife’s Travel Prestige plan starts from S$69.43 for a one-week trip within ASEAN countries. Find out more here . 

Great Eastern TravelSmart Premier

If you’re travelling to a VTL destination, Great Eastern’s TravelSmart Premier with COVID-19 coverage is another ultra-comprehensive option. Their plan’s Elite  tier involves up to S$150,000 coverage for medical and hospitalization expenses should you be diagnosed with COVID-19. And should the worst happen before your trip, the cancellation and disruption benefits of up to S$5,000 have your wallet well-covered.

For medical expenses non-related to COVID-19, it’s worth noting that Great Eastern’s plan has your back for both overseas and Singapore expenses – including hospital stays upon return to Singapore, TCM, and chiropractic treatments. You can count on their emergency assistance services for 24-hour help too.

Great Eastern’s TravelSmart Premier Elite plan starts from S$67 for a one-week trip within VTL countries. Find out more here . 

Top Image: Getty Images/iStockphoto

Deputy Editor

Jolene has a major sweet tooth and would happily eat pastries for all meals. When she’s not dreaming of cheesecake, she can be found in the dance studio, working on craft projects, or curled up with a good book.

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Best Travel Insurance in Singapore with Covid-19 Coverage

Travelling during a pandemic can be stressful. get yourself appropriately covered with the best travel insurance plans before your trip..

by Tan Jia Hui

Make Home Care Personal To Your Loved One

As more countries open up, many Singaporeans are excitedly making holiday plans after close to three years. However, with all the uncertainty regarding outbreaks and government regulations, you may be facing turmoil on whether to book your flight and accommodations, especially if they are non-refundable.

The good news is, travel insurance policies now cover Covid-19-related disruptions. Many also provide compensation if you or your loved ones are diagnosed with Covid-19 before, during, or after the trip, so you can have peace of mind as you book your next vacation.

How to choose the best travel insurance with Covid-19 coverage

With the myriad of options available, how do you choose the best travel insurance with Covid-19 coverage? 

Here are 5 key factors you should look out for to help you make an informed decision:

1. Price range

Depending on your destination country, travel duration, and a number of other factors, insurance premiums can range from tens of dollars to several hundreds. It is always best to find a balance between the cost of premium and the coverage you need.

2. Coverage

A typical travel insurance covers the following:

• Overseas medical expenses, including treatment, evacuation and repatriation
• Death and total and permanent disability (TPD)
• Missing or lost baggage
• Flight delays and cancellations
• Trip cancellation

Pay extra attention to the coverage for overseas medical expenses. Most domestic insurance do not cover overseas expenses, which can easily cost upwards of thousands of dollars in the unfortunate event of a medical emergency. The cost of medical expenses may also vary greatly depending on your destination, so be sure to take that into consideration.

Depending on your itinerary and purpose of travel, you may choose to add extra coverage. For example, if you are an adrenaline junkie, consider getting a plan with adventure and sports coverage.

In the current pandemic situation, it is highly recommended to ensure your plan includes Covid-19 coverage. Covid-19 coverage typically includes the following benefits if you or your family members are diagnosed with Covid-19, or if you are affected by a related disruption:

• Medical expenses
• Hospitalisation allowance
• Quarantine allowance
• Trip postponement
• Trip disruption
• Trip curtailment
• Emergency evacuation and repatriation

3. Reliability of provider

Misinformation and fraud is rampant these days, and making sure your insurance provider is reliable is key to avoid being scammed. There are a few steps you can take to ensure the reliability of your insurance provider, such as checking that the agent is authorised by the Monetary Authority of Singapore (MAS), requesting for a receipt, and ensuring the details on the policy document is accurate. 

The safest option is to go with a reputable insurance provider that has a great track record so that you can have peace of mind and be confident that your insurance provider has your back should you face any issues overseas.

4. Ease of claims 

Often, you may discover travel insurance plans with similar coverage but vastly different costs. While it is tempting to go with the more affordable option, make sure to check the fine print and reviews first. It could be that the company has a tedious and lengthy claim process or highly restrictive rules in the fine print that results in many claims being denied. These days, some insurers also provide a paperless claim process for a more seamless and fuss-free experience.

5. Additional features

Depending on the insurance plan and provider, there may be value-added services and features that you may find useful. For example, some insurance providers provide a 24/7 global medical assistance hotline to connect you with medical treatment and transportation while overseas. Others have an app where you can easily find your policy details, file and track claims, locate nearby medical facilities, police stations, or embassies, and even access medical translation functionalities.

If you find these additional features helpful, keep a look out for them when purchasing your travel insurance plan.

Supporting Your Family and Providing Care from Afar

Planning to take a holiday, but worried of leaving your elderly parents at home alone? Homage can help. 

Apart from being able to assist with activities of daily living (ADLs) like changing and cooking to nursing procedures, our Care Pros are also able to provide respite care to accompany your loved ones to their medical appointments or provide primary care in the interim. 

Top 8 travel insurance plans with Covid-19 coverage

Depending on the country you are visiting, you may have to meet the mandatory Covid-19 travel insurance requirements to enter. For example, Singapore requires all inbound short-term visitors to have travel insurance with a minimum coverage of $30,000 for Covid-19-related medical expenses.

Here are the estimated premium and Covid-19 coverage of different travel insurance policies for a 7-days trip to most destinations worldwide:

Do note that the numbers above are for the most basic plan offered by each travel insurance provider. Many of them also offer plans with higher coverage, but of course have higher premiums as well.

1. FWD Premium

FWD offers affordable travel insurance plans with Covid-19 coverage. At $51.60 for a week-long trip to most destinations including the USA, FWD Premium has one of the lowest premiums in this list, but its coverage is also limited to only the bare minimum.

The Covid-19 insurance, which you have to purchase as an add-on to the FWD Premium plan, covers:

• Medical expenses : Up to $200,000 while overseas or after returning to Singapore
• Hospitalisation allowance : $50 per day for up to 14 consecutive days while overseas, $100 per day for up to 14 days after returning to Singapore
• Trip cancellation : Up to $5,000 for non-refundable costs, for up to 30 days before the trip
• Trip disruption : Up to $5,000
• Emergency evacuation and repatriation : Up to $200,000

The good thing about the FWD Premium travel insurance policy is that the medical expenses and hospitalisation allowance benefits are applicable for up to 14 days after your return, which not all plans offer.

2. Klook x MSIG Lite Plan

Another affordable travel insurance plan with Covid-19 coverage is the Klook x MSIG Lite Travel Insurance . At only $34.40 for a week-long trip to Thailand and up to $88 for a trip to the United States, its premium is comparable to FWD’s, but their Covid-19 coverage differs.

Covid-19 travel insurance coverage:

• Medical expenses : Up to $100,000 while overseas
• Hospitalisation allowance : $100 per day for up to 14 days while overseas, with maximum limit of $350
• Quarantine allowance : $100 per day for up to 14 days while overseas, with maximum limit of $350
• Trip cancellation : Up to $2,500
• Trip curtailment : Up to $2,500
• Evacuation and repatriation : Unlimited

While MSIG provides an overseas quarantine allowance, its payouts for hospitalisation allowance, medical expenses, as well as trip cancellations or disruptions, are lower compared to FWD. 

Importantly, do take note that the Covid-19 cover will cease immediately after your return to Singapore, and the plan covers a trip duration of up to 30 days only, with no extension available.

If you are on a tight budget and don’t mind the basic coverage, consider getting this plan. 

3. AIG Travel Guard Basic

For a comprehensive plan that already incoporates Covid-19 coverage, consider the  AIG Travel Guard Basic . Under this policy, a week-long trip to  Japan would incur a premium of $68.

• Medical expenses, emergency evacuation, and repatriation  : Up to $50,000 for those below 70 years old, up to $25,000 for children and those above 70 years old
• Quarantine allowance : $50 per day for up to 14 days while overseas
• Travel cancellation : Up to $2,500
• Travel postponement : Up to $500

While this plan offers decent coverage, it is missing a few elements, namely payouts for hospitalisation allowance, pre-departure changes to your trip, and even if you decide to return to Singapore early. 

For better overall coverage, you have the option of upgrading to the Standard, Enhanced, or Supreme plans. However, do note that while these plans have higher compensation for the existing benefits, they do not provide additional benefits like hospitalisation allowance.

4. Allianz Single Trip Bronze

Rather than an add-on, Allianz incorporates Covid-19 coverage into its existing travel insurance plans. This means that while its medical expense coverage is significantly higher than the other plans above, it doesn’t provide payouts for travel delays, or allowance for hospitalisation and quarantine due to Covid-19. 

You can get the Allianz Single Trip Bronze plan at $49 for a week-long trip to Thailand, or $112 if you are travelling to the USA. 

• Emergency medical and dental expenses : Up to $200,000 for those below 70 years old, up to $50,000 for those above 70 years old
• Travel cancellation : Up to $5,000
• Emergency transportation : Unlimited

For those who are looking for a more comprehensive plan, including personal accident and trip interruption coverage, Allianz also provides two other travel insurance plans: Silver and Platinum.

At the time of updating (9 Nov 2022), Allianz is also offering 12% off their travel insurance if you use the promo code “travel12”. 

5. AXA SmartTraveller Essential

Since 1 February 2021, the AXA SmartTraveller  plans have been updated to better suit Singaporeans’ travel needs. The most basic plan, AXA SmartTraveller Essential , costs $157.02 for a week-long trip to most countries and includes the following Covid-19 travel insurance coverage:

• Medical expenses : Up to $75,000 overseas, and up to $37,500 in Singapore
• Hospitalisation allowance : $100 per day, up to a limit of $1,000
• Quarantine allowance : $50 per day, up to a limit of $350 overseas and $350 in Singapore
• Trip cancellation : Up to $1,000
• Trip postponement : Up to $500
• Trip curtailment or rearrangement : Up to $2,000

While the Covid-19 medical expense coverage for the Essential plan is considered low compared to the other plans on this list, AXA covers medical costs incurred within 90 days of your trip, which is quite generous duration-wise. For a higher coverage, you may want to consider upgrading to the Comprehensive plan, which covers up to $150,000 for Covid-19 medical treatment.

Another perk of the AXA SmartTraveller plan is their flexibility when it comes to claims for trip curtailment, which includes situations where a family member passes on due to Covid-19 or when there is a Covid-19 outbreak at the destination country.

6. NTUC Income Classic

For a week-long trip to most destinations, the NTUC Income Classic plan costs $149. On top of personal accident coverage, the plan includes the following Covid-19 travel insurance coverage:

• Medical expenses : Up to $250,000 while overseas
• Quarantine allowance : $100 per day while overseas, capped at $1,400
• Trip cancellation : Up to $5,000
• Trip curtailment : Up to $5,000
• Trip disruption : Up to $2,000
• Emergency transportation : Up to $150,000

All NTUC Income travel insurance policies bought online now include Covid-19 coverage for the first 90 days of each trip. However, do take note of the exclusions, as they do not cover travel inconveniences caused by border closures and government advisories. 

For increased coverage, you have the option to choose NTUC Income’s Deluxe or Preferred travel insurance plans. Alternatively, if you are looking for a travel insurance policy that covers pre-existing conditions, NTUC Income is also one of the few providers that offers it. Their Enhanced PreX Travel Insurance starts from $194 for a week-long trip. 

At the time of updating (9 November 2022), there is also an ongoing 40% promotion for all single-trip travel insurance policies bought online.

7. Sompo Essential

The Sompo Essential plan costs $129 for a week-long trip to most countries worldwide, and includes the following Covid-19 travel insurance coverage:

• Overseas medical expenses : Up to $200,000 
• Medical expenses in Singapore : Up to $5,000
• Hospitalisation allowance : $100 per day while overseas, capped at $3,000
• Quarantine allowance : $50 per day while overseas, capped at $700
• Trip postponement : Up to $5,000
• Trip disruption : Up to $1,000
• Emergency medical evacuation : Up to $500,000
• Repatriation : Up to $30,000

In terms of breadth of coverage, the Sompo Essential plan has most of the Covid-19 benefits that other plans offer as well. Furthermore, the trip cancellation, postponement, and curtailment benefits apply not only when you contract Covid-19, but also when your travel companion(s) who are also insured by Sompo are infected. 

However, do note that Sompo only covers Covid-19-related medical expenses for a period of up to 45 days (or until the maximum limit is reached), starting from your first day of treatment. Any medical expense incurred after 45 days will not be covered.

If you would like a more comprehensive coverage, there is the option to upgrade to the Sompo Superior plan.

At the time of updating (9 November 2022), Sompo is running a promotion for its single-trip Covid-19 insurance plans. Purchase your policies at 25% off till 4 December 2022.

8. Singlife Travel Lite

Singlife offers three plans with different levels of coverage: Travel Lite, Travel Plus, and Travel Prestige. The Singlife Travel Lite plan is the most affordable of the three, at $77.93 for a week-long trip to most destinations worldwide.

• Medical expenses and emergency medical evacuation : Up to $250,000 while overseas
• Medical expenses in Singapore : Up to $10,000
• Trip cancellation : Up to  $5,000
• Trip interruption : Up to $1,000

While the Singlife Travel Lite plan—the most basic of the three—has quite a low coverage, the benefits of the other two plans are comparable to the rest on the list and include overseas quarantine allowance of up to $2,000.

Additionally, MINDEF/MHA and POGIS policyholders can enjoy up to 46% off single-trip plans and 30% off multi-trip plans.

While we have provided a brief summary of the pros and cons of various travel insurance plans, remember to also read the fine print before making a decision to make sure the plan is right for you.

What to do if you get Covid-19 during or after your trip?

If you are diagnosed with Covid-19 or are affected by a related disruption during your trip, call your insurance provider immediately as they will be most familiar with the plan you have purchased and will be able to advise you accordingly. There may be steps you need to take within a fixed time frame (e.g. obtain an official quarantine order or a doctor’s letter) for the insurer to approve your claims, so you should call them once you are aware of the diagnosis or disruption. Most insurers should have a hotline that operates 24/7.

You will also have to submit your claim with supporting documents within the deadline (usually 30 days), so make sure that you always keep all receipts in an accessible place so you can submit claims on-the-go and do not have to wait till you are back in Singapore to process the claim.

Have peace of mind for your next getaway

The Covid-19 coverage component in travel insurances is something that is new and unfamiliar to many of us, but we hope that this detailed guide helped you get a better idea of what to look out for your next travel insurance purchase! 

Just as insurance provides us with a peace of mind on our travels – if you have elderly parents who you are concerned about leaving at home alone while you are away – Homage is able to provide caregiving services for your loved ones in the interim. 

Our trained care professionals are able to provide companionship, nursing care, night caregiving, home therapy and more , to keep your loved ones active and engaged while you are away for your much needed holiday.

Provide the best care to your loved one today!  Fill up the form below for a free consultation with our Care Advisory team. 

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More From Forbes

Is travel insurance refundable here’s everything you need to know.

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Sometimes, travel insurance is refundable. Here's when you can get your money back.

Peter Hoagland always checks to see if his travel insurance is refundable. That's because anything can happen between the time you book your vacation and when you leave — and because travel insurance isn't always refundable.

During the pandemic, he discovered that the hard way. He had to cancel a trip and asked for his money back from the insurance company. It refused.

"Since then, I always read the fine print on the policy," he says.

The refundability of travel insurance has always been an open question. Some countries and U.S. states regulate refundability. Travel insurance companies put refundability details in the fine print of the policy. And, as Hoagland found out, there are always exceptions.

Like the pandemic, when refund policies were all over the map. Some insurance companies adhered to their published policies. Others offered a credit that could be reused within a year, which was minimally useful because the pandemic was still happening a year later. Others quietly gave their customers a refund.

Hoagland says he fought for his money. Eventually, he contacted a manager at his travel insurance company.

"That produced a quick result," he says. "I got my money back."

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Biden trump debates what to know as trump pushes for 2 more faceoffs, when does bridgerton season 3 part 2 come out on netflix see the release schedule.

But let's face it: Getting a refund for travel insurance can be difficult. There are times when insurance is always refundable because it's required by law. There are times when it's sometimes refundable. And there are times when it's almost never refundable. But even then, there may be a way to recover some — or all — of the value of your policy.

Getting a refund for travel insurance can be a challenge

If you have a travel insurance policy and would like to get a refund, it might be easier said than done, say experts.

"While travel insurance is regulated like auto and home insurance, it’s often less standardized," says Stuart Winchester, CEO of Marble, a digital wallet for your insurance. "So first off, it’s important to check the fine print of your specific policy. Don’t assume it’s like the last one you got."

Even when you have something in writing, a refund can require some serious negotiating skills.

"Getting a refund for travel insurance can be complicated and frustrating," says Peter Hamdy, the managing director of a tour operator in Auckland, New Zealand. He's asked for a refund on policies numerous times and says that despite what travel insurance companies may tell you, there are no hard-and-fast rules when it comes to getting a refund on your policy.

"Some situations can warrant a refund," he says. "It depends on your policy."

What does a typical refundability clause look like? For example, the World Explorer Guardian from Insured Nomads notes that it's refundable only during the 10-day review period from the date of delivery or 15 days from the date of delivery if mailed, provided you have not already departed on your trip and you have not incurred any claimable losses during that time. If you depart on your trip before the expiration of the review period, the review period ends and the policy can't be refunded.

"We go a bit further with our World Explorer Travel Medical plans," notes Andrew Jernigan, CEO of Insured Nomads. "If no claims have been filed then we can refund the unused portion of the policy if you cut your trip short.”

When can you get a refund for travel insurance?

Here are the most common cases where travel insurance can be refunded:

• If you cancel during the "free look" period required by the government. Most states require what's called a "free look" period of anywhere from 10 to 14 days. "During this period, travelers can review the purchase and make sure it fits their needs," explains James Nuttall, general manager of Insubuy . "If it does not, they can cancel it for any reason and get a full refund, no questions asked, so long as you haven’t departed yet.
• If you cancel during the travel insurance company grace period. Many insurance companies also have a grace period for refunds (usually, they are the same as the "free look" although some grace periods can be longer). "If you’re outside your grace period, which typically lasts one to two weeks after signing, you’re contractually obliged to pay your premiums," says David Ciccarelli, CEO of the vacation rental site Lake . "Still, it doesn’t hurt to ask your company for a refund or alternative options if you’re outside your grace window. You might not get a yes, but it could lead to some cost savings or better solutions."
• When someone else cancels your trip. "For instance, if your cruise is canceled due to low river tide, you are not at fault and would typically receive a full refund or credit for a future sailing, thus eliminating the need for the travel insurance policy," explains Rhonda Abedsalam vice president of travel insurance for AXA Assistance US.
• If you die. Typically, the policy would be refunded to your next of kin. Generally, you can also ask for a refund if your travel companion dies before your trip.

Remember, it depends on where you buy your insurance

The refundability of your insurance can depend on where you purchased it. Commercial policies bought from a cruise or tour company are generally canceled and refunded if you cancel the trip far enough in advance of your departure date.

"The travel insurance cancellation provisions are generally tied to the cancellation provisions for the cruise or tour," explains Dan Skilken, president of TripInsurance.com . "After you have paid the last deposits on the cruise and are close enough to departure that they will not provide a refund on the cruise, they generally will also not provide a refund on the travel insurance. But if you cancel early enough to get all or most of your deposit back, you will also get your travel insurance premium refunded."

If you’ve purchased retail travel insurance from a third-party provider or comparison website, you can often get a refund if you can show receipts proving that you received a full refund of all trip deposits and have not had any cancellation penalties or taken any travel credits when you canceled your trip.

That's because retail travel insurance is sold for a specific traveler and for a specific trip. If you have proof of a complete refund and have not received travel credits, then you no longer have what's called an "insurable interest" in the trip. The insurance company must cancel and refund your premium in full, says Skilken.

Insider tip: If the insurance company refuses, just tell them you have proof that you no longer have an insurable interest in the trip. You have to have an insurable interest in a trip to own a travel insurance policy.

Your agent may be able to help you get a refund

You may also be able to lean on the agent who sold you the policy. For example, all policies on Squaremouth come with a money-back guarantee.

"The purpose of this benefit is to give travelers extra time to review their policy documentation to be sure it’s the best policy for their coverage needs," says spokeswoman Jenna Hummer. At Squaremouth, the money-back period typically lasts between 10 and 14 days, which is in line with the mandated "free look" period.

However, I have also seen agents negotiate with travel insurance companies for a more generous refund period in case of extenuating circumstances. There's no guarantee that you'll get it, but it's worth asking — and one reason to work with a third party.

Agents can also help you avoid this problem. Susan Sherren, who runs Couture Trips , a travel agency, notes that American Airlines Vacation Packages offers a predeparture protection insurance plan, which allows cancellation for any reason before the outbound departing flight time. Other restrictions apply, she adds.

"More flexibility will often cost you more," she says. "But having the flexibility is a great way to sleep well at night."

Can't get a refund? Look for other kinds of flexibility from your travel insurance company

Even if your travel insurance company says no to a refund, it doesn't necessarily mean you've lost the value of your policy.

"If a travel supplier changes or cancels your trip, you should be able to change your travel insurance policy to match the new dates of your trip or even cover a new trip, sometimes up to two years into the future," says Daniel Durazo, director of external communications at Allianz Partners USA .

Pro tip: Be sure to change the dates of your travel insurance policy before the departure date of your current itinerary. You can do that online or by calling your agent. Once the policy's effective date has passed, making any changes or initiating a refund or credit becomes much more difficult.

Don't forget to do your due diligence

Bottom line: Travel insurance is refundable under certain circumstances. But knowing when can require research.

"It's important for consumers to carefully read their policy upon receipt to understand the specific terms offered by their insurance provider," says Robert Gallagher, president of the US Travel Insurance Association.

The more you know, the likelier you are to get the refund you want when your plans change.

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Best Travel Insurance Policies for Places Prone to Natural Disasters (2024)

When it comes to natural disasters, Singapore is a sheltered island. How sheltered? Based on data from 2023, we have the 4th lowest disaster risk in the world . So on this island refuge, it can be easy for us to feel detached from earthquakes, tsunamis and cyclones.

But it’s a different reality for many of our Asian neighbours. For example, China lies where the Eurasian, Pacific, and Indian Ocean plates meet—a region with high tectonic activity. Between 1990 to 2024, Statista reports that China recorded 186 earthquakes, the highest number in the world. According to the Global Facility for Disaster Reduction and Recovery, the earthquakes that hit China account for one third of destructive continental earthquakes globally. Yikes.

If you’re travelling to earthquake-prone places like China,  Japan or  Bali , you want to make sure your travel insurance policy covers you in the event that your trip gets affected by natural disasters. Here’s what you need to know.

Guide to Best Travel Insurance for Countries Prone to Natural Disasters

• Best travel insurance for natural disasters
• How do I choose the best travel insurance for an area prone to natural disasters?
• What are some things that travel insurers might exclude?
• How do I make a travel insurance claim if a natural disaster strikes?
• Is it safe to travel to areas prone to natural disasters?

1. Best travel insurance for natural disasters

You won’t see a separate category for natural disaster coverage in travel insurance policies. Instead, insurers count natural disasters as one of several factors that may cause a trip cancellation, postponement, delay, or curtailment.

Let’s assume you’re going on a week-long trip to an ASEAN country. Here’s a summary of the non-discounted costs and coverage of different travel insurance policies for trip disruptions and inconveniences due to national disasters.

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2. How do I choose the best travel insurance for an area prone to natural disasters?

Before you buy your travel insurance, you need to do research on the following:

• What kinds of natural disasters that area is prone to
• How your travel insurance policy defines natural disasters  

The first question to ask is what kinds of natural disasters the place you’re visiting is prone to , if any. For example, is the area near an active volcano that might lead to a volcanic eruption? Does it sit on the Pacific Ring of Fire, where 90% of the world’s earthquakes take place?

At this point, also look out for disaster warning announcements —if you’re forewarned that a natural disaster may occur but still go on the trip, you won’t be able to make insurance claims.

Additionally, don’t forget about natural disasters that you don’t hear about as often, such as hail, ice storms, landslides, heat waves, and wildfires. These are important to consider because not everyone may consider them natural disasters—including your insurers.

Once you know what natural disasters your destination area is prone to, check if your travel insurance policy defines them as natural disasters . Some insurers may limit their claims to trip disruptions due to specific disasters such as typhoons, earthquakes and tsunamis. If you have to cancel your trip due to a heat wave but your insurance policy doesn’t consider that a natural disaster, your claims won’t be approved.

For example, here’s how “natural disaster” is defined by AIG travel insurance :

Comparatively,  MSIG travel insurance  listed fewer types of natural disasters as examples and described natural disasters as natural events with catastrophic effects:

A good rule of thumb is to choose a travel insurance policy with a broad definition of natural disaster . Don’t assume this is always the case, especially if you’re buying travel insurance from an airline.

3. What are some things that travel insurers might exclude?

Travel insurers generally define natural disasters as any event or force of nature which has catastrophic consequences on the environment, finances or human life.

Most types of natural disasters such as earthquakes, volcanic eruptions, floods, typhoons, tsunamis, hurricanes and so on can fall under this category if they are serious enough. If you feel light tremors causing no damage, you’re unlikely to be able to make a claim.

Do note, however, that many insurers have exclusions on nuclear risks and exposure to nuclear radiation , even if this was caused by a natural disaster. For example, the Tohoku earthquake in 2011 caused the meltdown of three nuclear reactors, leading to the Fukushima nuclear disaster. Insurance would cover you for the earthquake, but may not cover you for the nuclear disaster.

The most important thing to note is that most insurers will not cover you if you already knew about the natural disaster risk in the area, but decided to book the trip or buy the travel insurance policy anyway . Insurers will usually include such announcements as travel advisories or warnings, such as this one from FWD:

So let’s say you have already read in the news that a volcano is about to erupt in a certain destination, and you go ahead and book a trip there anyway. If you end up having to cancel your trip because the volcano erupted, you are unlikely to get reimbursed for your travel expenses.

4. How do I make a travel insurance claim if a natural disaster strikes?

Recall that insurance policies don’t have a claim category for natural disasters. Instead, you’ll usually have to make a claim under one of the following: 

• Travel cancellation : You are unable to depart for your trip due to unavoidable, unforeseen circumstances.
• Travel postponement : You already booked your trip, but are forced to change your travel dates and book another ticket for a later date.
• Travel delay : You end up departing for your trip at a later time than scheduled, e.g. due to a delayed flight. Insurers stipulate the exact number of hours that count as a delay—usually 6 hours. Note: Don’t mix travel (i.e. flight) delay up with baggage delay !
• Trip curtailment/shortening : You are already on your trip, and have to cut it short due to an unexpected event that happened during the trip.

Pro tip : You don’t have to pore through each travel insurance policy wording to find out these claim limits! View them easily on our MoneySmart travel insurance comparison page.

What kinds of expenses can be claimed under the categories above? Typically, a travel insurance policy should pay for additional travel and accommodation expenses incurred should your trip be disrupted due to a natural disaster in the country you’re in or travelling to.

If a natural disaster does occur while you’re travelling ( choy! ), contact your insurer as soon as possible, and preferably before incurring additional expenses like hotel bookings. They will advise you on the documentation you need to provide in order to make a claim, which might include receipts or police reports.

Finally, this has nothing to do with insurance, but it’s a good idea to call the Singapore Embassy in the country you’re in and ask for emergency contacts in case you need urgent consular assistance. You should also eRegister your overseas travel with the MFA so they can search for you if you go missing in any natural disaster ( choy! ).

5. Is it safe to travel to areas prone to natural disasters?

As we mentioned earlier, your insurance claims won’t be approved if you were forewarned about a natural disaster risk but chose to go on your trip anyway. So in this case, if you haven’t booked your tickets yet, you probably shouldn’t. But what if you’ve already booked your flight? Is it safe to go on your trip? Will you be refunded if flights are cancelled?

That was exactly what happened in October 2017, when it was announced that Mt. Agung in Bali was expected to erupt for over a month. After the last eruption in 1963 killed over 1,100 people, everyone in 2017 who booked a ticket to Bali was left wondering: Will I get killed if Mt. Agung erupts again? Should I still travel to Bali? If so, what can I do to protect my safety?

If a disaster warning surfaces after you’ve booked your tickets, here’s what you need to know:, 

• It’s generally safe to travel to another area in that country far from the disaster threat. In the case of Mt Agung,  there are tourist spots in Bali far away enough to not be affected by the volcano. So if you don’t have plans to travel anywhere near the Bali volcano, you can still go ahead with your travel plans. Furthermore, the authorities will clear out people in the danger zone, and will put up red alert exclusion zones where the lava and ash may potentially reach. So, if you’re ever stumbling too near the danger zone, you’ll definitely know.
• Flights will be cancelled and rescheduled by your airline. If the situation gets bad, your airline will cancel their flights to destinations near where the natural disaster is expected to occur. Flights booked that are deemed unsafe to proceed  will likely be rescheduled without any additional fees. Of course, this is subjected to availability and fare differences. Alternatively, some airlines may also allow refunds.
• Airports will be closed if the natural disaster occurs nearby. In the case of Mt. Agung in Bali, the volcano erupted on 26 November 2017, leading to the closure of the Ngurah Rai International Airport because of the ash cloud. While ideally you’d be ferried to other airports in neighbouring islands to take your flight out, there’s also the chance that a widespread eruption might affect road travel and neighbouring airports too. If the eruption warning came when you were already in Bali, your insurance will cover your expenses while you’re stranded.

Have you ever experienced a natural disaster while travelling? Did you buy travel insurance ?

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How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

• Emergency medical services and treatment
• Cancellations due to a sudden illness or serious health condition
• Emergency evacuation
• Loss of a friend or family member
• Compromised destinations
• Delayed or lost luggage
• Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

• Tropical storms, hurricanes, and other dangerous weather conditions
• Certain medical issues
• Acts of war
• High-risk behavior involving drugs, unlawful acts, or riots
• Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

• Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
• Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
• Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
• Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

• Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
• Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
• Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
• Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

• Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
• Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
• Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
• Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
• Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
• Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
• Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

• Misrepresenting contract language to prevent a payout
• Failing to disclose policy limitations and exclusions to policyholders
• Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

• Reviewing policy terms and exclusions.
• Gathering necessary documentation based on submission requirements.
• Submitting your claim according to the insurer's timing and filing guidelines.
• Filing an appeal if an insurance claim is wrongly denied.
• Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses.