Retrieve this during your online application or from the email from the provider
Claims will close 24 hours after the exclusive offer ends.
Retrieve this during your online application or from the email from the provider
Claims will close 24 hours after the exclusive offer ends.
Updated April 2019
| Trip Cancellation | $10,000 |
|---|---|
| Loss/Damage of Personal Baggage | $7,000 |
| Death and TPD | $35,000 |
| Overseas Medical | $400,000 |
| Post Trip Medical Expenses | $12,500 |
| Rental Vehicle Excess Cover | $150 |
| Bungee Jumping | |
|---|---|
| Hiking | |
| Hot Air Balloon Ride | |
| Pre-existing Conditions | |
| Scuba Diving | |
| Sky Diving | |
| Snow/Ice Sports |
| Trip Cancellation | $7,500 |
|---|---|
| Loss/Damage of Personal Baggage | $3,000 |
| Death and TPD | $200,000 |
| Overseas Medical | $200,000 |
| Post Trip Medical Expenses | $6,000 |
| Rental Vehicle Excess Cover |
| Bungee Jumping | |
|---|---|
| Hiking | |
| Hot Air Balloon Ride | |
| Pre-existing Conditions | |
| Scuba Diving | |
| Sky Diving | |
| Snow/Ice Sports |
| Trip Cancellation | $5,000 |
|---|---|
| Loss/Damage of Personal Baggage | $2,000 |
| Death and TPD | $200,000 |
| Overseas Medical | $200,000 |
| Post Trip Medical Expenses | $5,000 |
| Rental Vehicle Excess Cover |
| Bungee Jumping | |
|---|---|
| Hiking | |
| Hot Air Balloon Ride | |
| Pre-existing Conditions | |
| Scuba Diving | |
| Sky Diving | |
| Snow/Ice Sports |
| Trip Cancellation | $10,000 |
|---|---|
| Loss/Damage of Personal Baggage | $3,000 |
| Death and TPD | $200,000 |
| Overseas Medical | $200,000 |
| Post Trip Medical Expenses | $10,000 |
| Rental Vehicle Excess Cover | $500 |
| Bungee Jumping | |
|---|---|
| Hiking | |
| Hot Air Balloon Ride | |
| Pre-existing Conditions | |
| Scuba Diving | |
| Sky Diving | |
| Snow/Ice Sports |
| Trip Cancellation | $5,000 |
|---|---|
| Loss/Damage of Personal Baggage | $3,000 |
| Death and TPD | $150,000 |
| Overseas Medical | $150,000 |
| Post Trip Medical Expenses | $3,000 |
| Rental Vehicle Excess Cover |
| Bungee Jumping | |
|---|---|
| Hiking | |
| Hot Air Balloon Ride | |
| Pre-existing Conditions | |
| Scuba Diving | |
| Sky Diving | |
| Snow/Ice Sports |
| Trip Cancellation | $5,000 |
|---|---|
| Loss/Damage of Personal Baggage | $3,000 |
| Death and TPD | $200,000 |
| Overseas Medical | $150,000 |
| Post Trip Medical Expenses | $10,000 |
| Rental Vehicle Excess Cover | $500 |
| Bungee Jumping | |
|---|---|
| Hiking | |
| Hot Air Balloon Ride | |
| Pre-existing Conditions | |
| Scuba Diving | |
| Sky Diving | |
| Snow/Ice Sports |
| Trip Cancellation | $5,000 |
|---|---|
| Loss/Damage of Personal Baggage | $3,000 |
| Death and TPD | $50,000 |
| Overseas Medical | $250,000 |
| Post Trip Medical Expenses | $10,000 |
| Rental Vehicle Excess Cover | $1,000 |
| Bungee Jumping | |
|---|---|
| Hiking | |
| Hot Air Balloon Ride | |
| Pre-existing Conditions | |
| Scuba Diving | |
| Sky Diving | |
| Snow/Ice Sports |
| Trip Cancellation | $5,000 |
|---|---|
| Loss/Damage of Personal Baggage | $3,000 |
| Death and TPD | $150,000 |
| Overseas Medical | $250,000 |
| Post Trip Medical Expenses | $25,000 |
| Rental Vehicle Excess Cover |
| Bungee Jumping | |
|---|---|
| Hiking | |
| Hot Air Balloon Ride | |
| Pre-existing Conditions | |
| Scuba Diving | |
| Sky Diving | |
| Snow/Ice Sports |
| Trip Cancellation | $5,000 |
|---|---|
| Loss/Damage of Personal Baggage | $3,500 |
| Death and TPD | $125,000 |
| Overseas Medical | $500,000 |
| Post Trip Medical Expenses | $12,500 |
| Rental Vehicle Excess Cover |
| Bungee Jumping | |
|---|---|
| Hiking | |
| Hot Air Balloon Ride | |
| Pre-existing Conditions | |
| Scuba Diving | |
| Sky Diving | |
| Snow/Ice Sports |
| Trip Cancellation | $10,000 |
|---|---|
| Loss/Damage of Personal Baggage | $5,000 |
| Death and TPD | $300,000 |
| Overseas Medical | $500,000 |
| Post Trip Medical Expenses | $15,000 |
| Rental Vehicle Excess Cover | $500 |
| Bungee Jumping | |
|---|---|
| Hiking | |
| Hot Air Balloon Ride | |
| Pre-existing Conditions | |
| Scuba Diving | |
| Sky Diving | |
| Snow/Ice Sports |
| Trip Cancellation | $6,000 |
|---|---|
| Loss/Damage of Personal Baggage | $5,000 |
| Death and TPD | $250,000 |
| Overseas Medical | $300,000 |
| Post Trip Medical Expenses | $15,000 |
| Rental Vehicle Excess Cover | $1,000 |
| Bungee Jumping | |
|---|---|
| Hiking | |
| Hot Air Balloon Ride | |
| Pre-existing Conditions | |
| Scuba Diving | |
| Sky Diving | |
| Snow/Ice Sports |
| Trip Cancellation | $15,000 |
|---|---|
| Loss/Damage of Personal Baggage | $7,500 |
| Death and TPD | $400,000 |
| Overseas Medical | $1,000,000 |
| Post Trip Medical Expenses | $30,000 |
| Rental Vehicle Excess Cover | $1,000 |
| Bungee Jumping | |
|---|---|
| Hiking | |
| Hot Air Balloon Ride | |
| Pre-existing Conditions | |
| Scuba Diving | |
| Sky Diving | |
| Snow/Ice Sports |
| Trip Cancellation | $10,000 |
|---|---|
| Loss/Damage of Personal Baggage | $3,000 |
| Death and TPD | $300,000 |
| Overseas Medical | $500,000 |
| Post Trip Medical Expenses | $10,000 |
| Rental Vehicle Excess Cover |
| Bungee Jumping | |
|---|---|
| Hiking | |
| Hot Air Balloon Ride | |
| Pre-existing Conditions | |
| Scuba Diving | |
| Sky Diving | |
| Snow/Ice Sports |
| Trip Cancellation | $7,000 |
|---|---|
| Loss/Damage of Personal Baggage | $5,000 |
| Death and TPD | $250,000 |
| Overseas Medical | $250,000 |
| Post Trip Medical Expenses | $15,000 |
| Rental Vehicle Excess Cover | $750 |
| Bungee Jumping | |
|---|---|
| Hiking | |
| Hot Air Balloon Ride | |
| Pre-existing Conditions | |
| Scuba Diving | |
| Sky Diving | |
| Snow/Ice Sports |
| Trip Cancellation | $15,000 |
|---|---|
| Loss/Damage of Personal Baggage | $12,000 |
| Death and TPD | $80,000 |
| Overseas Medical | $1,000,000 |
| Post Trip Medical Expenses | $25,000 |
| Rental Vehicle Excess Cover | $500 |
| Bungee Jumping | |
|---|---|
| Hiking | |
| Hot Air Balloon Ride | |
| Pre-existing Conditions | |
| Scuba Diving | |
| Sky Diving | |
| Snow/Ice Sports |
| Best for | Travel Insurance Plan | Price for 1 week (ASIA) |
|---|---|---|
| Deals & Promotions | Allianz Global Assistance Bronze | $54 |
| Price Sensitive | Etiqa Basic | $19 |
| Comprehensive Coverage | Tokio Marine TM Explora Classic | $36 |
| Adventure Activities (coverage vs ability to claim) | Tokio Marine TM Explora Premier | $46.80 |
| Pre-Existing Conditions | MSIG TravelEasy Pre-Ex Standard | $77 |
| Highest Overseas Medical Coverage | AIG Travel Guard Premier | $136 |
| Good Value | FWD Business | $42 |
| Traveling While Pregnant | Allianz Global Assistance Bronze | $54 |
| Frequent Travellers (Annual Policy) | American Express My VoyageGuard Essential | $220 |
| Great Claims Experience | MSIG Travel Insurance | $55 |
When choosing the considering travel insurance plans for your holiday, there are several factors to consider depending on your priorities.
Step 1
Check General Coverage
Instead of deciding solely by price, you should compare the benefits and reimbursement limits for common claims like medical expenses, trip cancellations, flight delays and baggage theft and/or damage.
Step 2
Compare Policy Premiums
How much your travel insurance costs depends on your destination and length of stay. Most travel insurance companies have 2 to 3 tiers of plans at different price points, with varying comprehensiveness and reimbursement limits.
Step 3
Special Activities Coverage
The breadth of coverage needed largely depends on your itinerary. For instance, if you’re planning to go skydiving, make sure you get a policy that covers aerial sports. Or if you’re going golfing overseas, pick a policy that insures your equipment.
As their names suggest, single trip plans cover you for just one trip, while annual travel insurance covers you for all trips (under 180 days) for an entire year. So if you’re a frequent traveler, an annual plan may help you save cost and hassle. In general, if you fly at least 7 or 8 times yearly, even to nearby destinations like Bangkok and Indonesia, you will benefit from annual travel insurance. If you plan to go further away (like to Europe or the U.S.), 2 or 3 trips may already be enough for you to see savings.
Another thing to consider is how convenient or easy it is to file your claims. Some travel insurance providers have digital portals and online forms, while others require you mail your submission to their office. Depending on what you’re claiming for, you will also need to submit your claim with supporting documents as proof. Typically, you must produce your flight itinerary, as well as a formal report of some sort. This includes a police report for lost belongings and accidents, medical report for medical expenses and airline letter for flight delays.
“I have taken part in several marathons overseas, and it was becoming a chore to have to keep reminding myself that I needed to get travel insurance before every trip. Browsing Moneysmart.sg's travel insurance comparison page helped me find an annual policy that worked the best for me. I compared several annual coverage plans and settle on the one that was in the price range I preferred.”
Travel insurance helps protect you from risks while you are travelling overseas. Travel insurance includes Personal Accident Coverage, Medical Coverage. Travel Inconvenience as well as Theft and Loss of Baggage.
If you are travelling overseas you should definitely get a travel insurance plan as it’s relatively cheap and can protect you from unnecessary cost and risk.
When you buy travel insurance you can choose from 2 types of policies. Single Trip and Annual Cover.
You should consider buying Annual Travel Insurance if you travel frequently (more than 10 times a year). You will enjoy significant savings, and you wont have to worry about purchasing travel insurance every single time as you’ll be covered for the entire year.
No. Travel insurance has to be purchased before your trip commences. If you buy travel insurance after your trip commences and you try and make a claim, your insurer may not honour your claim.
You should buy your travel insurance after you’ve booked your tickets as travel insurance also protects you from trip cancellation.
