Travel Insurance FAQs

Cover and Benefits

  • What does travel insurance cover?
  • All policies offer at least basic levels of cover for medical costs, cancellation and lost, damaged or stolen baggage. However, policies' coverage vary greatly and it’s important to check that you have the right insurance for the kind of travelling you plan to do.

    Check the level of cover for the features named above and also consider the following:

    • Emergency assistance
    • Personal liability
    • Scheduled airline failure
    • Legal assistance
    • Travel disruption
    • Holiday curtailment
  • How many days does a single-trip policy cover?
  • Generally, single-trip policy covers you for as long as your trip lasts up to a maximum of 180 days.

  • What does an annual travel policy cover?
  • An annual travel policy covers you an unlimited number of trips for an entire year from the policy start date. Such policy is worthwhile if you’re a frequent traveller.

    Do take note that the maximum length of each trip is capped at 90 days.

  • What does personal accident benefit cover?
  • Generally, it covers against any injury caused by accident(s) that result(s) in death or permanent total disability or loss of limb(s) or sight.

  • I will be travelling for one year, should I get the annual travel policy?
  • An annual policy will cover you for an unlimited number of trips the entire year, however, coverage typically only applies up to a maximum of 90 days per trip.

    A single trip plan generally only cover up to a maximum of 180 days.

  • What is a pre-existing medical condition?
  • Any personal illness or medical condition that is known or existing before buying an insurance policy is considered a pre-existing medical condition.

    You are required to inform your insurer about any pre-existing medical condition. Failure to do so could result in the insurer refusing to pay out in the event of a claim.

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General & Eligibility

  • Do I need travel insurance?
  • When you travel outside your own country you may be faced with mishaps, expenses and liabilities. The impact of these can be beyond what you expect or what you could bear. Travel insurance will cover quite a few of these events, so it is definitely a worthwhile consideration.

  • How far in advance should I purchase my travel insurance?
  • We recommend that you buy your travel insurance as soon as you have booked your trip.

    Should there be any unforeseen circumstances or situations that render you unable to travel, such as serious illness or collapse of your travel agency, you will generally be covered for any non-recoverable travel and accommodation expenses that you have already paid.

  • What do I indicate as the period of insurance?
  • The period of insurance will be the start and end date of your trip, based on Singapore time.

    For example, if you are departing from Singapore on 08 June 2016 22:45, you will indicate your start date as 08 June 2016. Likewise, if you are arriving in Singapore on 10 July 2016 01:30, you will indicate your end date as 10 July 2016.

  • When does the coverage for my travel insurance start and end?
  • Most coverage will only be effective when you are overseas with the exception of a few coverage such as trip cancellation/ postponement.

  • How do I see whether something is covered (or not) by the policy?
  • You can do so when you have arrived at Compare page (Step 3 of 5).

    To see whether something is covered by the policy, on the policy card: 

    1. Click on Policy Summary to expand the section
    2. Click on More information button
    3. Click on Policy Conditions tab

    Here, all the details of what is covered by each policy can be found.

  • How do I compare different Travel Policies?
  • You can do so when you have arrived at Compare page (Step 3 of 5).

    To compare different policies:

    1. Tick the Add to compare box on each policy card
    2. Select up to a maximum of 3 policies to compare and click Compare.

    Here, the comparison of the policies selected can be found. Click and expand the various sections to see the comparison of each coverage.

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