Buy Starr Travel Insurance in Singapore 2026 | 60% OFF
Find affordable Starr single-trip or annual travel insurance prices on MoneySmart and get a great plan at a great price
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We found 3 Starr Insurance Plans for you!
So Many REWARDS! 🛍️
Enjoy upsized coverage at 60% off Silver Plans & choose your rewards:
• Up to S$100 GrabGifts vouchers
• OR up to S$68 Cash via PayNow
• AND a S$30 Revolut cash reward
and many more when with eligible premiums spent.
T&Cs apply.
Valid till 30 Jun 2026
So Many REWARDS! 🛍️
Enjoy upsized coverage at 60% off Silver Plans & choose your rewards:
• Up to S$100 GrabGifts vouchers
• OR up to S$68 Cash via PayNow
• AND a S$30 Revolut cash reward
and many more when with eligible premiums spent.
T&Cs apply.
Valid till 30 Jun 2026
So Many REWARDS! 🛍️
Enjoy upsized coverage at 60% off Silver Plans & choose your rewards:
• Up to S$100 GrabGifts vouchers
• OR up to S$68 Cash via PayNow
• AND a S$30 Revolut cash reward
and many more when with eligible premiums spent.
T&Cs apply.
Valid till 30 Jun 2026
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About Starr Travel Insurance: Brand, Compliance & Credentials
Backed by an “A” rating from A.M. Best, Starr is recognised locally for its service and innovation in travel protection. For Singaporeans heading overseas, this means peace of mind knowing your insurer is financially strong, globally experienced, and MAS-compliant.
Why Choose Starr Travel Insurance? Key Benefits for Singapore Travellers
Tiered plans for different needs
- Bronze: Entry-level cover with essentials such as up to S$200,000 overseas medical expenses, S$5,000 trip cancellation, and S$3,000 baggage cover. COVID-19 medical cover is included (S$15,000), though trip cancellation/curtailment due to COVID-19 is not included under Bronze.
- Silver: Mid-tier plan with higher medical and trip disruption benefits. Includes COVID-19 medical cover and COVID-19-related trip cancellation/curtailment.
- Gold: Premium protection with higher limits, including unlimited emergency medical evacuation, comprehensive COVID-19 cover, and enhanced trip disruption benefits.
Flexible coverage for travel types
- Single trip plans: Perfect for occasional getaways. Enjoy exclusive MoneySmart discounts of up to 60% off Bronze (use code MSB60), 55% off Silver (MSS55), and 50% off Gold (MSG50) plans. Family plans also get up to 50% off with promo codes MFB50, MFS50, and MFG50 respectively.
- Annual trip plans: Ideal for frequent flyers. Get an exclusive 35% off your Starr Comprehensive Annual Trip plan with promo code MSAVTL35.
Adventure sports protection
- Covered: Hiking, bungee jumping, sky diving, hot air balloon rides.
- Optional coverage: Scuba diving (S$2,500 limit) and snow/ice sports (S$500 limit).
- Excluded: Pre-existing conditions (unless stated under special add-ons).
MoneySmart exclusive travel insurance promotions & perks
January Promotion:
Starr Travel Insurance Plans: Side-by-Side Comparison
| Feature | Starr TraveLead Comprehensive Bronze | Starr TraveLead Comprehensive Silver | Starr TraveLead Comprehensive Gold |
|---|---|---|---|
| Total Premium (from) | S$16.47 | S$23.94 | S$33.46 |
| Overseas Medical Expenses | Up to S$200,000 | Up to S$500,000 | Up to S$1,000,000 |
| COVID-19 Medical Expenses | Up to S$15,000 | Up to S$30,000 | Up to S$65,000 |
| COVID-19 Trip Cancellation / Curtailment | Not covered | Up to S$250 | Up to S$500 |
| Trip Cancellation (non-COVID) | Up to S$5,000 | Up to S$10,000 | Up to S$15,000 |
| Loss/Damage to Baggage | Up to S$3,000 | Up to S$5,000 | Up to S$7,500 |
| Delayed Baggage | Up to S$400 | Up to S$800 | Up to S$1,200 |
| Accidental Death & Disablement | Up to S$150,000 | Up to S$300,000 | Up to S$500,000 |
| Daily Hospital Cash | Up to S$5,000 | Up to S$10,000 | Up to S$15,000 |
| Emergency Medical Evacuation | Unlimited | Unlimited | Unlimited |
| Personal Liability | Not listed | Up to S$800,000 | Up to S$1,000,000 |
| Adventure Sports Coverage | Optional | Optional | Optional |
| Family Plan | Free child coverage | Free child coverage | Free child coverage |
| Best For | Budget travellers | Balanced protection | Frequent travellers, high coverage needs |
Disclaimer: Information above is accurate at time of writing but may change. Travellers should refer to the official Starr TraveLead Travel Insurance Policy Wording for the latest terms and conditions.
💡MoneySmart Tip: If you’re a frequent flyer or travelling long-haul, Starr TraveLead Comprehensive Gold offers the most comprehensive medical and baggage protection among Starr travel insurance plans. Families may also find added value since child coverage is included at no extra cost.
Starr TraveLead Travel Insurance: Policy Inclusions & Exclusions
Starr Travel Insurance provides comprehensive protection that caters to different travel scenarios commonly faced by Singaporeans. Here’s a breakdown of what’s included and excluded across its Bronze, Silver, and Gold tiers:
✅ What’s covered: Key benefits
- Emergency medical expenses
- Bronze: Up to S$200,000 coverage.
- Silver: Up to S$500,000 coverage.
- Gold: Up to S$1,000,000 coverage. Includes hospitalisation, outpatient care, and follow-up treatment in Singapore (if first sought overseas).
- COVID-19 medical & trip coverage
- All plans cover overseas COVID-19 medical expenses.
- Silver & Gold: Includes COVID-19 related trip cancellation and curtailment.
- Bronze: Does not include COVID-19 trip cancellation.
- Trip cancellation & curtailment
These protect prepaid bookings like flights, hotels, or tours if a trip is unexpectedly called off.
- Bronze: Up to S$5,000 coverage.
- Silver: Up to S$10,000 trip cancellation/curtailment cover.
- Gold: Up to S$15,000 coverage.
- Baggage protection
Lost or damaged belongings are covered up to S$7,500, with sub-limits for items like cameras and laptops. Delayed baggage benefits range from S$400–S$1,200 depending on the plan, helping offset immediate replacement costs.
- Personal accident & disablement
Starr covers accidental death and disablement up to S$500,000, providing financial support to families if the unexpected occurs.
- Emergency medical evacuation
All tiers include unlimited evacuation and repatriation coverage, ensuring that travellers can access emergency transport or be flown back to Singapore if needed.
- Adventure sports cover
- Includes hiking, bungee jumping, sky diving, and hot air ballooning.
- Optional add-ons: Scuba diving (S$2,500), snow/ice sports (S$500).
- Cruise coverage & family plan benefits
Children below 18 enjoy free coverage when travelling with parents under family plans, making Starr especially appealing for family holidays.
Also applicable for cruise coverage featuring onboard medical treatment, evacuation from ship (if required), and protection for missed ports or cruise disruptions.
- 24/7 global assistance
Round-the-clock support for medical coordination, evacuation, and emergencies.
📄 For full details and scenario-based exclusions, refer to the official Starr Travel Insurance policy wording.
❌ What’s not covered: Exclusions & limitations
- Pre-existing medical conditions
Ongoing or chronic illnesses, treatments, or conditions existing before the policy start date are excluded. This includes any regular medication regimes or follow-up care tied to those conditions.
- Pregnancy-related events
Complications linked to pregnancy, childbirth, or elective procedures (e.g. fertility treatment or caesarean not deemed medically necessary) are excluded.
- High-risk or extreme activities
While optional cover is available for some common leisure sports (like scuba diving or snow sports), high-risk activities beyond policy terms (e.g. professional competitions, stunts, unlicensed adventure activities) are excluded.
- Travel to restricted destinations
Journeys to countries currently excluded by Starr’s policy (Belarus, Cuba, Iran, North Korea, Russia, and Ukraine) are not covered by any tier.
- Terrorism-related property damage or losses
Starr covers terrorism only for loss of life; property damage or disruption due to terrorist acts is excluded.
- Other general exclusions
Claims involving illegal activities, self-inflicted injuries, alcohol or drug misuse, and participation in unlawful acts are outrightly excluded.
How to Make a Claim for Starr Travel Insurance?
Filing a claim with Starr is straightforward, but following the right steps ensures faster processing and higher chances of approval. Here’s a step-by-step guide for Singapore travellers:
Notify Starr and submit claims within 30 days of the incident
Meanwhile for timely medical emergencies, call their 24/7 assistance line before seeking treatment whenever possible.
Prepare all required supporting documents
- Completed claim form
- Travel itinerary and proof of booking
- Original receipts or invoices for expenses incurred
- Police reports (for theft or loss of items)
- Medical reports and hospital bills (for medical-related claims)
- Original invoice/receipts from airline, travel agent or non-recoverable travel fare or hotel receipts
- Additional accommodation/travel expense receipts
- Certified copy of death certificate (if applicable)
- Replacement bills/receipts for documents or property
- Proof of cash loss (ATM slips, FX receipts)
- For COVID-19 claims: Positive PCR/ART results and quarantine/isolation orders if issued
Upload and submit via official channels
- Online portal (fastest, recommended)
- By email: [email protected] (attach completed form & documents)
- By mail: Starr Insurance, 138 Market Street, #16-04 CapitaGreen, Singapore 04894
📄 Download claim form here: starrinsurance.com.sg/claim
Wait for your claims to be processed
- Look out for the acknowledgement email once claims are formally lodged.
- Updates typically require a few working days to be processed and approved.
- Claims will be paid via PayNow or other registered modes for fast, cashless settlement.
Tips to Avoid Starr Claims Rejections
- Submit claims within 30 days of returning to Singapore, as required in Starr’s policy wording.
- Provide original receipts, medical certificates, and boarding passes where applicable.
- Ensure your claim matches covered scenarios (e.g., COVID-19 trip curtailment is only valid under Silver and Gold plans).
- For baggage loss, obtain a written report from the airline or carrier within 24 hours to support your claim.
- For medical emergencies, call Starr’s 24/7 hotline before treatment whenever possible, as pre-approval is often required.
READ MORE: Guide to Filing Travel Insurance Claims in Singapore
Downloadable Resources: Policy Wordings & Claims Forms
Having the right documents on hand is essential before purchasing a plan and when making a claim. Below are Starr Travel Insurance’s key downloadable resources, grouped for ease of use:
Before You Buy
- Policy Wording (All Plans) – View Document
Contains full terms, conditions, exclusions, and coverage limits for Bronze, Silver, and Gold tiers. Includes details on optional adventure sports and COVID-19 riders.
After You Claim
- Claim Forms – Available through Starr’s official claims portal or request via customer service. These forms outline required documents (e.g., receipts, medical certificates, police reports) for different claim types such as medical expenses, baggage loss, or trip cancellation.
- COVID-19 Claim Addendums – For claims specifically related to COVID-19 cancellations or medical treatment (applicable to Silver and Gold plans), supplementary forms and test result documentation may be required.
Know Before You Go on Your Trip
Grab Starr’s full policy wordings upfront to guarantee clear claim forms, paperwork-readiness, and faster payouts when travel mishaps strike.
Travel Insurance Tips & Checklist for Singaporeans
- Buy early
Purchase your policy when booking flights or accommodations so trip cancellation benefits are activated immediately.
- Compare plans annually
Review Starr TraveLead Comprehensive Bronze, Silver, and Gold tiers each year to ensure coverage matches your travel style and destinations.
- Check COVID-19 terms
Only Silver and Gold tiers cover trip cancellation or curtailment due to COVID-19. All plans include overseas medical coverage though.
- Understand inclusions and exclusions
Pre-existing conditions, pregnancy-related events, and certain high-risk activities are not covered (refer to our exclusions section).
- Prepare documents in advance
Keep digital and physical copies of your passport, itinerary, receipts, and medical reports. These are required for most claims.
- Account for destination risks
Check travel advisories for your destination. Coverage does not extend to restricted countries like Belarus, Cuba, Iran, North Korea, Russia, or Ukraine.
- Leverage family perks
Children below 18 travel free under Starr’s family plans, making it a cost-efficient choice for parents.
- Maximise ongoing promos
At MoneySmart, we’re constantly dishing out the best travel insurance promos and sign-up offers you can’t find anywhere else! These include attractive branded gifts (e.g. Apple), cash rewards, and even travel goodies like eSIMs!
Frequently Asked Questions
Does Starr offer family travel insurance?
- Yes—Starr Singapore offers family travel insurance primarily through its TraveLead plans, which allow a legal couple and their children to be covered under one policy. You can choose between Bronze, Silver, and Gold plan tiers, available for both single-trip and annual multi-trip coverage. These options are ideal for Singaporean families who want medical, travel inconvenience, and COVID-19 benefits under one streamlined plan.
I’ve booked a trip to a destination affected by COVID-19 and that trip is scheduled in the near future. Will I be able to cancel my trip and be reimbursed?
- It depends on the reason for cancellation. If you need to cancel your travel plans, please consult the “Unforeseen Events for Trip Cancellation and Trip Interruption” portion of your insurance policy to see a list of reasons for Trip Cancellation and Trip Interruption that may be covered, along with General Exclusions from coverage. You are encouraged to file a claim if one of the covered reasons could possibly apply to your situation as you may be eligible to be reimbursed for your unused, non-refundable, pre-paid trip costs if you need to cancel your trip.
Does Starr travel insurance cover missed flights and flight delay?
- Yes. You’ll receive S$100 for every 6 consecutive hours of delay in cases such as denied boarding due to overbooking, diverted flights due to weather or natural disasters, emergency medical treatment for a fellow passenger, or mechanical breakdown of the aircraft.
How do I file a claim with Starr insurance?
- Filing a claim with Starr Insurance in Singapore is straightforward and designed to give you peace of mind after an unexpected travel event. The primary way to submit your claim is through Starr’s e-claim platform online, which is accessible to all policyholders in Singapore. To avoid delays, aim to submit your claim—along with the supporting documents—within 30 days of the incident. Following the correct procedure from the start helps ensure your claim will be processed smoothly and swiftly.
Does Starr travel insurance cover me if I become ill with COVID-19 while overseas?
- Yes. Starr will reimburse overseas medical expenses up to the limits by tier (Bronze: S$20,000; Silver: S$40,000; Gold: S$67,000).
Will I be covered if my trip is affected by terrorism activities?
- No. Acts of terrorism resulting in delays or cancellations are not covered, except for loss of life.
Does Starr travel insurance cover pet care?
- No. Pet care costs (e.g., kennel or cattery fees due to delayed return) are not covered.
If my baggage is damaged/lost/delayed, will I be covered?
- Yes, if you are abroad you will receive up to $7,500 for loss of or damage to your baggage and personal belongings, and you can claim up to $1,200 for emergency purchase of clothing and toiletries due to baggage delay for more than 6 hours.
If I cancel a trip due to COVID-19, will I be reimbursed?
- It depends on the reason for cancellation. Refer to the “Unforeseen Events for Trip Cancellation and Trip Interruption” section of the policy for covered reasons. You are encouraged to file a claim if one of the listed events applies.
Who is eligible to buy Starr Travel Insurance?
- Singapore citizens, permanent residents, and foreigners with valid passes or work permits are eligible. Non-residents are excluded.
Does Starr cover pre-existing medical conditions?
- No. Pre-existing illnesses and conditions diagnosed before the policy start date are excluded.
Are COVID-19 expenses covered?
- Yes. All plans cover overseas COVID-19 medical costs. Silver and Gold also cover COVID-related trip cancellation and curtailment.
What documents are required to make a claim?
- Completed claim form, proof of travel, receipts, medical reports, and police reports (for theft or loss). Additional test results may be needed for COVID-related claims.
Can I cancel my policy and get a refund?
- Refunds are generally not available once coverage has started. Cancellation before the trip may be allowed under specific terms.
How does Starr handle my personal data?
- Starr complies with Singapore’s Personal Data Protection Act (PDPA). Customer information is used only for policy servicing and claims processing.
What should I do if I face issues with the online portal?
- Contact Starr’s customer service hotline or email support. Claims and resources can also be accessed via alternative channels if the portal is unavailable.
Is there coverage for adventure sports?
- Yes. Optional add-ons cover activities such as scuba diving (up to S$2,500), skiing (up to S$500), and skydiving. Competitive or professional sports are excluded.
How soon should I buy travel insurance before a trip?
- It’s best to purchase as early as possible—ideally when booking flights or accommodations—to ensure cancellation coverage is active if plans change unexpectedly.
How to contact Starr Travel Insurance support in Singapore?
- Starr Travel Insurance provides multiple support channels for Singapore policyholders, ensuring help is accessible before, during, and after a trip:
- Hotline (Singapore): +65 3158 7515
Available 24/7 for emergencies, medical assistance, and claims enquiries.
- Email Support: [email protected]
Use for general queries, policy servicing, and non-urgent matters.
- Live Chat Accessible via Starr’s official website during office hours, offering quick support for common questions.
- Office Address: 138 Market Street, #16-04 CapitaGreen, Singapore 048946
Walk-ins available during weekdays (Mon–Fri, 9am–5pm).
- Languages Supported: English and Mandarin customer service agents are available.
💡 MoneySmart Tip: Save the hotline number in your phone before departure so you can reach Starr’s 24/7 assistance team immediately in case of emergencies like hospital admission or lost baggage. - Hotline (Singapore): +65 3158 7515