Where can I purchase AIG’s travel insurance? And can I do it while I’m overseas?

You can either compare all travel insurance policies available in the market via MoneySmart and purchase it through us, or you can do it via AIG’s website, mobile applications on iOS and Android, agents and brokers or selected travel agents. And ys, you can do it anytime while you’re overseas as it’s an immediate purchase via AIG’s website and mobile applications which are available 24 hours.

How is a family defined for the Family Annual Multi-Trip Plan?

The Family Annual Multi-Trip Plan is for 2 adults who are legally married to each other, with any number of children legally related to 1 or both of the adults.

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

It is 182 consecutive days for single trip travel insurance plans. As for annual multi-trip travel insurance plans, it is 90 consecutive days for each overseas trip.

How long do I have to submit a claim after my trip?

It depends on when the incident occurs rather than when you return from your trip, as AIG requires claim reports to be made within 30 days after the occurrence of any event which may give rise to a claim.

Do I need to be fully vaccinated to be eligible for Travel Guard® Direct plans?

You do not need to be fully vaccinated to purchase Travel Guard® Direct plans. However, do note that the country that you are travelling to may have specific prevailing entry and safe travel lane requirements, including a requirement for you to be vaccinated before embarking on your trip.

Will I be covered under Travel Guard’s COVID-19 benefits even though I am not travelling under the Vaccinated Travel Lanes (VTL) or other Safe Travel Lanes schemes approved by the Singapore government?

You may be covered under Travel Guard’s COVID-19 benefits provided that you meet the eligibility criteria: (a) you are departing from Singapore, (b) are ordinarily resident in Singapore, and (c) undertaking travel to an overseas destination not exceeding 182 consecutive days.

I am travelling from Singapore to another country. If I test positive for COVID19 when I land back in Singapore, will I be covered for medical expenses?

Any medical expenses incurred after your arrival back in Singapore will be considered post-trip expenses. Travel Guard® Direct COVID-19 coverage does not cover post-trip medical expenses, such as treatment by physicians.

Is there any coverage if I am quarantined upon arrival in Singapore?

No, there is no coverage for quarantine in Singapore.

Does Travel Guard® Direct plans cover me for expenses for COVID-19 diagnostic tests?

No, Travel Guard® Direct plans do not cover expenses incurred for mandatory COVID-19 diagnostic tests for any pre-departure or post-departure testing requirements.

If I need to change my trip dates, can I change my travel insurance dates?

Yes, you may change the dates of your travel insurance coverage provided you have not begun your trip. You may do so via AIG’s online form.

What if my baggage is damaged/lost/delayed, will I be covered?

Yes, all Travel Guard® Direct plans provide coverage for loss of personal baggage as well as the items in your personal baggage including laptop computer, jewellery, and other valuables. Baggage delay coverage is only valid for the Standard, Enhanced, Supreme plans.

Do Travel Guard® Direct plans cover all countries around the world?

No. Travel Guard® Direct plans do not cover any travel in, to, or through five countries namely, Cuba, Iran, Syria, Crimea Region and North Korea.

Will I be able to extend my policy while I’m overseas?

Yes, you can. Prior to the expiry date of your original policy, you can apply for an extension of your original policy via AIG’s online form and complete the payment of the additional premium. You will be required to confirm your travel arrangements when you extend the policy, and approval for your application for extended cover is subject to AIG’s review.

Best AIG Travel Insurance 2023- Buy Online

Review of AIG Travel Insurance Singapore 2023

Having won the Reader’s Digest Trusted Brands Gold Award for Travel Insurance for four consecutive years, AIG Asia Pacific Insurance has been providing value-for-money travel insurance plans for many travellers.

At 4 different price points, AIG offers a slew of travel insurance benefits in their Travel Guard® Direct plans for every budget. Each plan, be it the Travel Guard Basic, Travel Guard Standard, Travel Guard Enhanced or Travel Guard Supreme, is highly customisable with optional riders for you to add on. What’s more, its Supreme plan offers over two million dollars in overseas medical expenses coverage, which is the highest in the market.

To find out if their plans are suitable for you and/or your fellow travel companion, we’ll weigh the pros and cons, look at the Travel Guard® Direct range of products and services and see what sets them apart from other travel insurers.

Highest medical coverage in the market

If you’re looking for extensive medical coverage, AIG’s Supreme plan covers you for up to $2,500,000 in overseas medical expenses, which is the highest in the market. Highlights include coverage for post-trip medical expenses incurred, mobility aid reimbursement, hospital income for abroad and in Singapore, hospital visitation, compassionate visit, child protector, emergency evacuation and unlimited repatriation.

COVID-19 cover

Get up to $300,000 for overseas COVID-19 related medical and evacuation costs incurred, up to $7,500 for trip cancellation/curtailment, up to $1,500 for trip postponement, and $100 per day per person for up to 14 consecutive days as Out-of-country COVID-19 diagnosis quarantine allowance and more benefits, if you are diagnosed with COVID-19 whilst overseas during your trip. You’ll even get to enjoy preferred rates for PCR tests before you fly off from Singapore.

24-hour in-house global assistance

Unlike many insurance companies that work with third-party rescue providers, AIG has an in-house emergency assistance network operating 24 hours a day, 7 days a week, in 8 locations (Japan, China, Malaysia, United Kingdom, Bulgaria, Wisconsin, Texas and Mexico) across the globe.

It is AIG’s wholly owned Travel Assistance Company which comprises a worldwide team of medical professionals and insurance specialists providing advice and emergency assistance to you 24/7, wherever you are. All you need to do is call +65 6733 2552 (Overseas Emergency Assistance Hotline) from anywhere in the world when you need help.

Unlimited coverage for emergency medical evacuation & repatriation

While some insurers have a coverage limit for emergency medical evacuation and repatriation, AIG provides unlimited coverage of emergency evacuation and repatriation for almost all of their plans (except for the Basic plan which has a $500,000 claim limit for emergency medical evacuation, but unlimited coverage for repatriation).

Reliable and responsive claims processing

When it comes to getting your claims done, you can do it with ease – file online or call AIG’s 24-hour claims hotline at +65 6224 3698. Not many insurers offer this service round-the-clock and it saves you the time of waiting for any important claims that need to be settled urgently.

AIG SG app

At the touch of a button, you can access AIG’s products and services instantly and to get the cover that you need. And if you are already covered by AIG, you can renew your personal insurance policies via their app. What’s more it provides access to emergency assistance hotlines that are manned round the clock should an emergency arise.

Pros and Cons of AIG Travel Insurance

Pros

24/7 claims submission convenience
COVID-19 coverage
Highest medical coverage in the market of up to $2,500,000
Cover against acts of terrorism
24/7 global emergency assistance
Unlimited coverage for emergency medical evacuation and repatriation
Coverage for golf and cruise
Trip interruption or cancellation coverage
Liability for harm or damage you accidentally cause
Automatic extension of policy period

Cons

No coverage for extreme sports like scuba diving, snow sports, other similar activities or competition sports
No coverage for pre-existing conditions
No coverage for travel against prohibitions/acts/travel alerts/bulletins by any government or public authority
No coverage for 5 countries including Cuba, Iran, Syria, Crimea Region and North Korea
No coverage for any pregnancy-related events
Limited add-on coverages

Travel Guard® Direct Basic

Benefits include:

Up to $1,000,000 Medical Coverage
Up to $5,000 Trip Cancellation Coverage
Up to $3,000 of Reimbursement for Loss/Damage of Baggage
$30 Premium

Travel Guard® Direct Basic is the most affordably priced, comparable to the basic plans from Income and FWD. Key benefits include up to S$250,000 in overseas COVID-19 related medical coverage if you are diagnosed with COVID-19 overseas, overseas medical expenses cover, loss of personal baggage, and more.

Travel Guard® Direct Standard

Benefits include:

Up to $200,000 Medical Coverage
Up to $5,000 Trip Cancellation Coverage
Up to $3,000 of Reimbursement for Loss/Damage of Baggage
$43 Premium

Ideal for individual or family travellers who need slightly more coverage, this category is the second tier of AIG’s Travel Guard® Direct plans. The coverage is similar to the Basic plan but with more benefits and higher claim limits. Additional benefits include trip curtailment coverage of up to $2,500, coverage of up to $2,500 for baggage delay, alteration of your trip (pre-departure) coverage of up to $500, early return home allowance of up to $5,000, and personal accident coverage.

Travel Guard® Direct Enhanced

Benefits include:

Up to $1,000,000 Medical Coverage
Up to $10,000 Trip Cancellation Coverage
Up to $5,000 of Reimbursement for Loss/Damage of Baggage
$52 Premium

This is the next tier after the Standard plan which features a maximum claim cap of up to a million dollars for overseas medical expenses, with double the coverage for early return home allowance, trip cancellation/alternation of trip, post-trip medical expenses upon return to Singapore, travel delay, loss of baggage/personal belongings/travel documents/personal money/home contents, personal accident and more, as compared to the Standard plan.

Travel Guard® Direct Supreme

Benefits include:

Up to $2,500,000 Medical Coverage
Up to $15,000 Trip Cancellation Coverage
Up to $10,000 of Reimbursement for Loss/Damage of Baggage
$77 Premium

If you’re looking for the maximum coverage, AIG’s Travel Guard® Direct Supreme will probably be the most suitable for you among all their plans. Its most well-known $2,500,000 coverage for overseas medical expenses, is the highest in the market. What’s more, this plan offers the highest coverage among all four plans for all the components which you’re entitled to claim for.

AIG Travel Insurance Add-ons

Cruise vacation

With this optional add-on, you’ll be able to claim up to $15,000 (Supreme plan) or $10,000 (Enhanced plan) for cruise cancellation and interruption in the event when the cruise trip gets delayed due to natural disasters, equipment failure, and other unforeseen circumstances.

AIG Travel Insurance Claims

How do travel insurance claims work?

Firstly, before you even start making a claim, you’ve got to be clear of what type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved.

Step 1

Notify AIG within 30 days of the incident

Whether you’re claiming for COVID-19 medical expenses or damaged baggage, AIG requires claim reports to be made within 30 days after the occurrence of any event which may give rise to a claim, via the AIG SG app or their claims portal.

It is best to inform AIG within 30 days so as to avoid breaching the policy’s terms and conditions, which may affect your claim process. You can expect AIG’s claims team to process your claim (if it is a straightforward travel insurance claim) within 10 business days if it is submitted with complete documentation. It may take longer to process a claim if AIG requires additional information or documents from you.

Step 2

Prepare the relevant supporting documents

For all claim types, you’re required to to submit the following supporting documents, together with copies of your passport and complete travel itinerary.

Medical reports/doctor’s memo/inpatient discharge summary and related evidence in the form of photos and/or emails
Proof of ownership of baggage and/or other related items, and property irregularity report if applicable
Trip invoices, ticket confrontation, boarding passes, photocopy of passport and visas
Original invoices and receipts
Police, airline, transport and accommodation reports
Proof of unused entertainment ticket/frequent flyer points (for Disruption Benefit)

Step 3

Submit the completed claim form and required documents

If you’re doing it via the AIG SG app or AIG online claims portal, upload as attached files in your submission and fill up the necessary details in the online forms given.

As for hardcopy claims, you have to download AIG’s Travel Insurance Claim Form and then mail it with your original documents to: Travel Claims Department, AIG Asia Pacific Insurance Pte. Ltd. AIG Building, 78 Shenton Way, #09-16 Singapore 079120.

Step 4

Check your claim status

AIG will keep you updated on your claim by email or post. Alternatively, you can call their 24-hour travel claims hotline at 6224 3698 to check on your claim status.

Step 5

Receive your claim payment

Once you’ve submitted all the documents required, you will receive a claim acknowledgement, before AIG proceeds to review your claim. After the review is done and your claim is approved by AIG, AIG will make the necessary payments needed.

More Things To Know

AIG Travel Insurance Refunds & Cancellations

For single trip travel insurance policies, you may cancel the policy anytime but the premium will not be refunded once the policy is issued. As for annual multi-trip travel insurance, you can cancel your policy if the cancellation is done less than 6 months from your policy’s effective date, and a short rate will apply except if there has been a claim against the policy during that time period.

The short rate will not be pro-rated and it is actually an insurance premium which AIG charges if your coverage is less than one year. There will be no refund if you cancel the policy after nine months from the policy effective date.

AIG Travel Insurance Hotline

Call +65 6419 3000 for general enquiries (9am to 5pm on weekdays), or +65 6733 2552 for emergency assistance (24/7). Alternatively, you may wish to submit your questions via AIG’s online enquiry and feedback form.

Frequently Asked Questions

Where can I purchase AIG’s travel insurance? And can I do it while I’m overseas?: You can either compare all travel insurance policies available in the market via MoneySmart and purchase it through us, or you can do it via AIG’s website, mobile applications on iOS and Android, agents and brokers or selected travel agents. And ys, you can do it anytime while you’re overseas as it’s an immediate purchase via AIG’s website and mobile applications which are available 24 hours.
How is a family defined for the Family Annual Multi-Trip Plan?: The Family Annual Multi-Trip Plan is for 2 adults who are legally married to each other, with any number of children legally related to 1 or both of the adults.
What is the maximum period of coverage for an overseas trip?: It is 182 consecutive days for single trip travel insurance plans. As for annual multi-trip travel insurance plans, it is 90 consecutive days for each overseas trip.
How long do I have to submit a claim after my trip?: It depends on when the incident occurs rather than when you return from your trip, as AIG requires claim reports to be made within 30 days after the occurrence of any event which may give rise to a claim.
Do I need to be fully vaccinated to be eligible for Travel Guard® Direct plans?: You do not need to be fully vaccinated to purchase Travel Guard® Direct plans. However, do note that the country that you are travelling to may have specific prevailing entry and safe travel lane requirements, including a requirement for you to be vaccinated before embarking on your trip.
Will I be covered under Travel Guard’s COVID-19 benefits even though I am not travelling under the Vaccinated Travel Lanes (VTL) or other Safe Travel Lanes schemes approved by the Singapore government?: You may be covered under Travel Guard’s COVID-19 benefits provided that you meet the eligibility criteria: (a) you are departing from Singapore, (b) are ordinarily resident in Singapore, and (c) undertaking travel to an overseas destination not exceeding 182 consecutive days.
I am travelling from Singapore to another country. If I test positive for COVID19 when I land back in Singapore, will I be covered for medical expenses?: Any medical expenses incurred after your arrival back in Singapore will be considered post-trip expenses. Travel Guard® Direct COVID-19 coverage does not cover post-trip medical expenses, such as treatment by physicians.
Is there any coverage if I am quarantined upon arrival in Singapore?: No, there is no coverage for quarantine in Singapore.
Does Travel Guard® Direct plans cover me for expenses for COVID-19 diagnostic tests?: No, Travel Guard® Direct plans do not cover expenses incurred for mandatory COVID-19 diagnostic tests for any pre-departure or post-departure testing requirements.
If I need to change my trip dates, can I change my travel insurance dates?: Yes, you may change the dates of your travel insurance coverage provided you have not begun your trip. You may do so via AIG’s online form.
What if my baggage is damaged/lost/delayed, will I be covered?: Yes, all Travel Guard® Direct plans provide coverage for loss of personal baggage as well as the items in your personal baggage including laptop computer, jewellery, and other valuables. Baggage delay coverage is only valid for the Standard, Enhanced, Supreme plans.
Do Travel Guard® Direct plans cover all countries around the world?: No. Travel Guard® Direct plans do not cover any travel in, to, or through five countries namely, Cuba, Iran, Syria, Crimea Region and North Korea.
Will I be able to extend my policy while I’m overseas?: Yes, you can. Prior to the expiry date of your original policy, you can apply for an extension of your original policy via AIG’s online form and complete the payment of the additional premium. You will be required to confirm your travel arrangements when you extend the policy, and approval for your application for extended cover is subject to AIG’s review.

Get the Best AIG Travel Insurance in Singapore 2023

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S$43

AIG Travel Guard® Direct - Standard

S$30

AIG Travel Guard® Direct - Basic

S$52

AIG Travel Guard® Direct - Enhanced

S$77

AIG Travel Guard® Direct - Supreme

Review of AIG Travel Insurance Singapore 2023

AIG’s COVID-19 coverage and other key benefits

Highest medical coverage in the market

COVID-19 cover

24-hour in-house global assistance

Unlimited coverage for emergency medical evacuation & repatriation

Reliable and responsive claims processing

AIG SG app

Pros and Cons of AIG Travel Insurance

Pros

Cons

Types of AIG Travel Insurance Plans

AIG Travel Insurance Add-ons

Cruise vacation

AIG Travel Insurance Claims

How do travel insurance claims work?

5 simple steps to submit your AIG travel insurance claim

Notify AIG within 30 days of the incident

Prepare the relevant supporting documents

Submit the completed claim form and required documents

Check your claim status

Receive your claim payment

More Things To Know

AIG Travel Insurance Refunds & Cancellations

AIG Travel Insurance Hotline

Frequently Asked Questions

Where can I purchase AIG’s travel insurance? And can I do it while I’m overseas?

How is a family defined for the Family Annual Multi-Trip Plan?

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

How long do I have to submit a claim after my trip?

Do I need to be fully vaccinated to be eligible for Travel Guard® Direct plans?

Will I be covered under Travel Guard’s COVID-19 benefits even though I am not travelling under the Vaccinated Travel Lanes (VTL) or other Safe Travel Lanes schemes approved by the Singapore government?

I am travelling from Singapore to another country. If I test positive for COVID19 when I land back in Singapore, will I be covered for medical expenses?

Is there any coverage if I am quarantined upon arrival in Singapore?

Does Travel Guard® Direct plans cover me for expenses for COVID-19 diagnostic tests?

If I need to change my trip dates, can I change my travel insurance dates?

What if my baggage is damaged/lost/delayed, will I be covered?

Do Travel Guard® Direct plans cover all countries around the world?

Will I be able to extend my policy while I’m overseas?

^S$43

^S$30

^S$52

^S$77