Why Trust MoneySmart?Starr travel insurance (specifically their TraveLead plans) offers comprehensive protection for a range of unexpected travel situations. The plans aim to provide peace of mind—whether you're travelling for leisure, adventure, or with family—by covering costly overseas medical events, travel snafus, and personal accidents.
We’ll highlight the core coverage and show you how the different Bronze, Silver, and Gold plans stack up, so you can make the smartest travel decision.
Core coverage benefits
Medical expenses:
Covers overseas inpatient and outpatient treatment (up to $1 million on Gold plan), with follow-up care back in Singapore.
Includes alternative treatments such as Traditional Chinese Medicine (TCM), physiotherapy, and chiropractic sessions.
Emergency assistance:
Unlimited emergency medical evacuation and repatriation.
24-hour global emergency help, including hospital admission guarantee and arrangements for a relative to visit if you are hospitalised for an extended period.
Travel inconvenience:
Trip cancellation or postponement due to illness, accidents, family emergencies, or natural disasters.
Coverage for travel delays (as low as $100 per 6 hours; higher limits for Silver and Gold plans).
Baggage loss or damage, with sub-limits for individual items, laptops, and cameras.
Delayed baggage and missed bookings addressed in policy.
COVID-19 protection:
All plans include overseas COVID-19 medical expense coverage, ranging from $15,000 (Bronze) to $65,000 (Gold).
Silver and Gold also provide trip cancellation/curtailment if you catch COVID-19 before or during travel.
Personal accident:
Lump sums for accidental death or permanent disablement, up to $500,000 on Gold plan.
Adventure sports:
Activities like bungee jumping, hiking, hot air ballooning, sky diving, and diving (up to 18m) are covered for leisure purposes.
Rental vehicle excess:
Reimbursement for excess payable on hired cars, with increasing limits for higher-tier plans.
Other highlights:
Free child coverage under family plans.
Terrorism cover (for loss of life) is included.
Plan options and add-ons
Starr offers 3 tiers—Bronze, Silver, and Gold—across both single-trip and annual multi-trip formats. Higher tier = higher coverage.
Feature | Bronze Plan | Silver Plan | Gold Plan |
Overseas medical expenses | $200,000 | $500,000 | $1,000,000 |
Post-trip medical expenses (SG) | Up to $15,000 | Up to $20,000 | Up to $50,000 |
Daily hospital cash (overseas) | Up to $5,000 | Up to $10,000 | Up to $15,000 |
Accidental death/disablement | $150,000 | $300,000 | $500,000 |
Travel cancellation/postponement | $5,000 | $10,000 | $15,000 |
Travel delay | Up to $500 | Up to $600 | Up to $800 |
Delayed baggage | Up to $400 | Up to $800 | Up to $1,200 |
Baggage loss/damage | $3,000 | $5,000 | $7,500 |
Rental vehicle excess | $500 | $1,000 | $1,200 |
COVID-19 medical (overseas) | $15,000 | $30,000 | $65,000 |
COVID-19 trip cancellation | Not covered | $250 | $500 |
Limits above are per adult aged 18–70 (lower caps for kids/seniors).
Optional add-ons:
Adventure sports coverage: Expand protection to include scuba diving, snow sports, golf, and cruise-specific mishaps.
Rental vehicle excess: Higher limits available.
Home protection add-on: Covers losses to home contents due to burglary while you’re travelling.
Key conditions
Trips must depart from and return to Singapore.
Maximum trip duration:
Single-trip: up to 180 days.
Annual multi-trip: up to 90 days per trip.
Destinations NOT covered include Belarus, Cuba, Iran, North Korea, Russia, and Ukraine.
Pre-existing conditions, professional sports, and some high-risk activities are not covered.
All plans have a standard claim excess for most events (usually $100 per claim).
Always review detailed policy wording for exclusions and definitions.
Tip: Compare the plan tiers based on your destination, trip activities, and the value of belongings you’ll bring. The Gold plan provides the highest peace of mind—but Silver or Bronze may be sufficient for simple, short getaways.
