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Traveling to Thailand 20 Jun 2024 - 22 Jun 2024
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Review of Starr Travel Insurance Singapore 2024

Starr Insurance Singapore is part of the Starr Insurance Companies group, one of the world’s leading travel insurance companies with a global presence across 128 countries on 6 continents. And if you are into American baseball, you would have noticed that it has been quite active in terms of branding, being the official travel insurance company of the New York Yankees for years.

Starr TraveLead Travel Insurance is its signature range of travel insurance, comprising three types of plans — TraveLead Bronze, TraveLead Silver and TraveLead Gold, all of which you can personalise and include COVID-19 medical expenses and COVID-19 related trip cancellation coverages.

From the high medical expenses coverage of up to $1,000,000 including in and outpatient treatments abroad, to personal accident benefit of up to $500,000 for accidental death and disablement, Starr Insurance Singapore will have you covered, whether you’re a seasoned explorer or a first-time traveller.

Here’s a quick review of its range of products and services, the pros and cons, and how it stacks up against other travel insurance providers.

Starr’s COVID-19 coverage and other key benefits

Extensive medical coverage

With a high coverage of a range of medical expenses, the Bronze, Silver and Gold plans provide reimbursement of the actual expenses of up to $1,000,000 (depending on the type of plan you pick) for treatment of injury and sickness occurred during an overseas trip, up to $50,000 for any follow-up (post-trip) medical treatment in Singapore reasonably incurred within 30 days of your return, overseas hospital cash of $200 per day and up to $15,000 per trip, compassionate accidental death indemnity of up to $5,000 in cash, and even for $100 per visit for chinese medicine and physiotherapy treatments.

COVID-19 extension

If you contracted COVID-19) during your trip, Starr Insurance will reimburse you the costs incurred including consultation of a physician or doctor, hospital stays and/or land ambulance service for medical, surgical, X-ray, hospital or nursing treatment of up to $20,000 per person for Bronze plan, $40,000 per person for Silver plan and $67,000 for Gold plan.

24-hour Global Emergency Assistance

Supported by Assist Card which is one of Starr Companies group of subsidiaries, Starr Insurance Singapore’s 24-hour Global Emergency Assistance Services has over 400,000 service providers in 197 countries around the world, standing by round-the-clock to get you the help you need, such as helping you out when you lose your travel documents or your belongings, suffer a cancellation or delay of flight, hospital admission guarantee of up to $7,000 for your urgent medical conditions, unlimited claims for repatriation of mortal remains and more.

Unlimited coverage for emergency medical evacuation & repatriation

Unlike most insurers who have a coverage limit for emergency medical evacuation and repatriation, Starr Insurance provides unlimited coverage of emergency evacuation and repatriation for all of their plans. So in the event you suffer some sort of serious injury or sickness when you’re overseas, you’ll be able to get all the help you need without worrying about forking out more.

Seamless and cashless claims

Be reimbursed through PayNow, which saves you the time of waiting for what you’re entitled to claim for, after your claims submission via Starr Insurance’s online claims portal has been approved.

Cruise vacation coverage

Once there’s any interruption, cancellation or delay of your cruise trip for at least 8 hours due to unforeseen circumstances, you’ll be able to claim up to $6,000 for the losses incurred, and this benefit applies to all types of plans.

Pros and Cons of Starr Travel Insurance


  • Highly customisable plans
  • Seamless and cashless claims reimbursement
  • 24/7 global emergency assistance
  • Unlimited coverage for emergency medical evacuation and repatriation
  • Trip interruption or cancellation coverage
  • Liability for harm or damage you accidentally cause
  • Automatic extension of COVID-19 Overseas Medical Expenses cover (valid only for Single-trip Policy) cover
  • Extreme sports coverage


  • No coverage for terrorism events
  • No coverage for pre-existing conditions
  • No pet care add-on coverage
  • No coverage for participation in any professional sport during the trip
  • No coverage for travel against prohibitions/acts/travel alerts/bulletins by any government or public authority, including war
  • No coverage for childbirth and any pregnancy-related events
  • No coverage for suicide during the trip

Starr Travel Insurance Plans


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
  • $24 Premium

The most basic of all Starr’s travel insurance plans, the Bronze package covers you for medical expenses incurred of up to $200,000 for medical treatment during an overseas trip, up to $15,000 for any follow-up (post-trip) medical treatment upon your return, overseas hospital cash of $200 per day, as well as coverage for travel delay, trip cancellation, overbooked flight, personal money and belongings.


Benefits include:

  • Up to $500,000 Medical Coverage
  • Up to $10,000 Trip Cancellation Coverage
  • Up to $5,000 of Reimbursement for Loss/Damage of Baggage
  • $31 Premium

A decent step up from the Bronze tier, the Silver plan gives you more benefits including more than double the coverage for medical expenses, loss of home contents due to burglary, and more.


Benefits include:

  • Up to $1,000,000 Medical Coverage
  • Up to $15,000 Trip Cancellation Coverage
  • Up to $7,500 of Reimbursement for Loss/Damage of Baggage
  • $39 Premium

For an all-encompassing coverage, Starr Insurance’s Gold plan ensures that you, your travel companions and your travel bookings are well insured, with the maximum claim cap of a million dollars for medical treatments overseas and upon return to Singapore, up to $9,000 for hospitalisation of your travel companion who is a relative or friend, $4,000 for loss of important documents, and even up to $1,000,000 for personal liability coverage.

Starr Travel Insurance Add-ons

Vehicle rental excess

Get up to $2,100 for your vehicle which is stolen, damaged or involved in a collision while you’re driving overseas.

Cruise vacation

You’ll be able to claim up to $6,000 for cruise cancellation and interruption in the event when the cruise trip gets delayed for at least 8 hours due to inclement weather, natural disasters, equipment failure, and other unforeseen circumstances. What’s more, there’s additional $3,000 coverage for additional trip cancellation and interruption due to reasons such as death, serious injury/illness of your travel companion, and another $200 for emergency satellite phone call expenses onboard the cruise.

Snow sports, scuba diving and golf protection

If you’re going for scuba diving, coverage for scuba dive tour and diving equipment is about $300 to $2,500 per person per trip, while for snow sports, it ranges from $250 to $850 ($85 per day, per person) for a missed booking due to serious injury or illness, piste closure due to weather conditions, and lost/damaged/delayed equipment hire.

Home contents cover

Be reimbursed with up to $15,000 for the physical loss of or damage to the home contents within your house in Singapore due to burglary.

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Starr Travel Insurance Claims

How do travel claims work?

Firstly, 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, before you make a claim.

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Starr Travel Insurance Claims

Step 1

Submit your claims within 30 days of the incident

Whether it is for your COVID-19 medical expenses or stolen baggage, Starr requires claim reports to be made within 30 days of the incident via their online claims portal using your mobile phone, tablet or computer. It is advisable to do it within 30 days so as to avoid breaching the policy’s terms and conditions, which may affect your claim process.

Step 2

Prepare the supporting documents for your claims

In order to make a claim, you’ll need to provide all documentation to provide a full context of the incident and make it faster for Starr Insurance to assess your claim or claims. They will usually require:

  • Original Detailed Pre-Medical / Final hospitalisation / Post-Medical bills
  • In-patient Discharge Summary, Detailed Medical Report / Memo from Attending Physician on the type of illness or injury sustained
  • Medical reports and / or other original documents (or certified copies) as evidence of the injury or sickness
  • Original invoice / receipts from airline, travel agent or hotel evidencing non-recoverable deposits for travel fare and hotel accommodation
  • Original invoices / receipts of additional accommodation and travelling expenses incurred
  • Certified true copy of death certificate
  • Original bills / receipts for replacement of personal documents or loss/damaged to property
  • A copy of the police report
  • Documents (such as ATM withdrawal slips, money exchange receipts) to substantiate loss of cash

If you’re unsure of what documents are needed, you may refer to Starr Insurance Singapore’s claim documentation guide.

Step 3

Upload your required documents

Fill in the necessary details and upload all the supporting documents you’ve prepared through Starr Insurance’s online Claims portal or by email or post. If you’re doing it by email, you have to download their claim form from and email the completed claim form and relevant documents to: [email protected]. Alternatively, you can mail them to 138 Market Street, #16-04, CapitaGreen, Singapore 04894.

Step 4

Look out for the acknowledgement email

You’ll receive an acknowledgement email upon receipt of the claim submission.

Step 5

Notification of claim results and settlement

Starr Insurance Singapore’s claims department will process the claim upon receipt of all documents and the necessary payment will be made to you via PayNow or other preferred modes of payment.

More Things To Know

Starr Travel Insurance Refunds & Cancellations

Once you’ve decided to cancel your Starr travel insurance policy, you may be eligible for a full or pro-rated refund of your premium if your request for a refund is within your insured period, or if your tour operator/cruise line/airline/cancelled your trip, while also considering that it is before your trip started and you have not filed a claim before.

Starr Travel Insurance Hotline

Call +65 3158 7515 for general enquiries (9am to 5pm on weekdays) or +65 3158 2536 for emergency assistance (24/7). Alternatively, email Starr Insurance Singapore at [email protected] or call +65 3158 7515 for assistance on claims submission.

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Frequently Asked Questions

Can I buy Starr travel insurance while overseas?

Yes, you’ll be able to personalise your plan by selecting the benefits in the single trip or annual trip travel insurance plan via Starr Insurance Singapore web page. Your Starr travel insurance policy will then be sent to you via email within a few minutes.

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 be entitled to $100 for every 6 hours of delay and this $100 is in terms of cash benefit for denied boarding due to overbooked flight with no onward travel transportation available for more than 6 hours, or in the event of a diverted flight for more than 6 hours due to adverse weather conditions; natural disasters; emergency medical treatment for a fellow passenger; the mechanical breakdown of the aircraft.

How soon should I submit a claim after my trip?

Upon your return to Singapore, any claims concerning your trip must be submitted 30 days within returning to Singapore.

If I get travel insurance from Starr Insurance now, does it cover me if I become ill with Covid-19 while I am overseas?

Yes. If you contracted COVID-19) during your trip, Starr Insurance will reimburse you the costs incurred including consultation of a physician or doctor, hospital stays and/or land ambulance service for medical, surgical, X-ray, hospital or nursing treatment of up to $20,000 per person for Bronze plan, $40,000 per person for Silver plan and $67,000 for Gold plan.

Will I be covered if my trip is affected by terrorism activities?

No. Any acts of terrorism that is committed for political, religious, ideological or similar purposes with the aim of inciting fear or influencing governmental bodies, which results in your flight delay or cancellation of trip activities will not be covered by Starr Insurance.

Does Starr travel insurance cover pet care?

No. Starr travel insurance plans do not offer pet care coverage as an add-on and no reimbursement will be given if your flight back to Singapore is delayed (if it causes you to incur additional kennel or cattery fees for your pet).

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.