Compare the Best UOI Travel Insurance Online in Singapore 2026 | 0% off!
Looking for the cheapest UOI travel insurance in Singapore? Use MoneySmart's travel insurance comparison tool and save on single or annual trip coverage!
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We found 3 UOI Insurance Plans for you!
Extensive coverage including COVID-19
S$50
Total Premium
APPLY NOW for UOI UniTravel Value
on UOI's secure site
Extensive coverage including COVID-19
S$66
Total Premium
APPLY NOW for UOI UniTravel Plus
on UOI's secure site
Extensive coverage including COVID-19
S$91
Total Premium
APPLY NOW for UOI UniTravel Pro
on UOI's secure site
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UOI UniTravel Insurance in Singapore 2025
United Overseas Insurance Limited’s (UOI) UniTravel Insurance offers all-rounded travel insurance plans for solo and group travellers alike. Unlock affordable and comprehensive travel protection with UniTravel’s robust coverages for COVID-19 (before, during, and after trip), overseas medical expenses, trip disruptions, baggage damage and/or loss, and others. UOI UniTravel Insurance is available in three tiers: UOI UniTravel Value, UOI UniTravel Plus, UOI UniTravel Pro.
Besides these benefits, UOI UniTravel Insurance also provides a 24/7 emergency assist hotline for support while abroad. Plus, the application process is quick and straightforward, taking just five minutes to complete.
Still not convinced? Keep reading to see how we weigh the pros and cons, and break down how UOI’s range of travel insurance products and services differ from other travel insurance providers.
Besides these benefits, UOI UniTravel Insurance also provides a 24/7 emergency assist hotline for support while abroad. Plus, the application process is quick and straightforward, taking just five minutes to complete.
Still not convinced? Keep reading to see how we weigh the pros and cons, and break down how UOI’s range of travel insurance products and services differ from other travel insurance providers.
UOI UniTravel Insurance’s COVID-19 Coverage and Other Key Benefits
When it comes to COVID-19 benefits, UOI UniTravel Insurance’s coverage is fairly comprehensive—offering essential cover before, during, and after your trip, including any complications arising from trip cancellation, overseas medical expenses, and get-well benefits.
Compared to other travel insurance plans, these COVID-19 benefits by UOI UniTravel Insurance seem to be one of the most comprehensive.
Compared to other travel insurance plans, these COVID-19 benefits by UOI UniTravel Insurance seem to be one of the most comprehensive.
Trip Cancellation / Postponement
Up to S$5,000 coverage for trip disruptions due to COVID-19, including situations where your diagnosis coincides with scheduled trip departure date or if you require to serve mandatory quarantine.
Emergency Medical Evacuation / Repatriation
Up to S$200,000 coverage for emergency medical evacuation or repatriation back to Singapore due to COVID-19 diagnosis.
Overseas Hospital Confinement Allowance
Up to S$1,400 coverage for overseas hospital stays as an inpatient if diagnosed with COVID-19. This will be paid out in a daily hospitalisation allowance, up to a total of 14 days.
Overseas Quarantine Confinement
Up to $1,400 coverage for when you are issued a quarantine order by relevant authorities or governing bodies after COVID-19 diagnosis. You will be paid out in daily quarantine allowance, up to 14 days.
Trip Curtailment
Up to $2,500 coverage, inclusive of reimbursement of prepaid trip expenses and reasonable additional costs incurred for accommodation and/or travel due to COVID-19. Such instances include you or your companion getting diagnosed with COVID-19, or the unexpected death/serious illness of an immediate family in Singapore resulting from COVID-19.
Get Well Benefit
Up to $200 lump sum payment if diagnosed with COVID-19 within 48 hours of arrival in Singapore and requiring immediate hospitalisation for treatment.
Bereavement Benefit
Up to S$10,000 lump sum payment to your legal personal representative if you are diagnosed with COVID-19 while overseas and pass away within 30 days.
Automatic COVID-19 Extension
Up to 14 days auto-extension of COVID-19 coverage post-trip without additional premium. This covers events like:
Serious illness or accident due to COVID-19
Scheduled public conveyance due to COVID-19
Compulsory quarantine due to COVID-19
Pros & Cons of UOI UniTravel Insurance
| Pros ✅ | Cons ❌ |
|---|---|
| Relatively affordable premiums | Excludes coverage for pre-existing conditions |
| Extensive COVID-19 coverage | Limited coverage for certain high-risk activities like bungee jumping, hiking, scuba diving, sky diving, and snow sports (only hot air balloon rides are covered) |
| 24/7 emergency support hotline available while overseas | Maximum payout of S$700,000 only; relatively lower compared to other travel insurance plans offering S$1 million to unlimited (overseas medical expenses) coverage |
| Up to S$700,000 coverage for overseas medical, dental, and other types of expenses | No refunds for non-COVID-19-related trip cancellations once trip has commenced |
| Up to S$300,000 coverage for accidental death and total permanent disablement | Claims arising from known natural disaster are ineligible unless policy was purchased before event was reported |
| Up to S$1,500 for travel delays and up to S$10,000 for travel cancellations | No UniTravel Insurance coverage available for one-way journeys |
| Up to S$6,000 for baggage delay or loss | Must purchase UniTravel Insurance prior to departure to be valid, otherwise will be voided |
| Single trip plan coverage is available up to 185 days while annual multi-trips coverage is available up to 90 days per trip | |
| Flexible policy cancellation anytime before trip commences |
For the full list of major travel exclusions, refer to their policy wording here.
Types of UOI UniTravel Insurance Plans
Assuming a 3D2N single-trip to Thailand and accurate as of 6 Feb 2025:
UOI UniTravel Value
Benefits include:
Up to S$100,000 overseas medical expenses coverage
Up to S$3,000 trip cancellation coverage
Up to S$1,000 reimbursement for baggage damage/loss
$18 premium
UOI UniTravel Value plan is the most value-for-money plan out of the bunch, offering the basic coverage for essential travel components.
UOI UniTravel Value plan is the most value-for-money plan out of the bunch, offering the basic coverage for essential travel components.
UOI UniTravel Plus
Benefits include:
Up to S$250,000 overseas medical expenses coverage
Up to S$5,000 trip cancellation coverage
Up to S$3,000 reimbursement for baggage damage/loss
$23.50 premium
UOI UniTravel Plus plan is a tier higher, offering higher coverage limits across all benefits. Besides more extensive coverage, it also includes additional benefits like higher rental vehicle excess coverage.
UOI UniTravel Plus plan is a tier higher, offering higher coverage limits across all benefits. Besides more extensive coverage, it also includes additional benefits like higher rental vehicle excess coverage.
UOI UniTravel Pro
Benefits include:
Up to S$700,000 overseas medical expenses coverage
Up to S$10,000 trip cancellation coverage
Up to S$6,000 reimbursement for baggage damage/loss
$32.50 premium
By far the most comprehensive plan, the UOI UniTravel Pro plan offers the highest payouts across all benefits, with more emphasis on trip disruptions and cancellations. It also offers greater trip curtailment coverage and emergency assistance benefits.
By far the most comprehensive plan, the UOI UniTravel Pro plan offers the highest payouts across all benefits, with more emphasis on trip disruptions and cancellations. It also offers greater trip curtailment coverage and emergency assistance benefits.
Coverage Comparison: Best Travel Insurance Plans in Singapore
| Insurance Provider | Best For | Medical Coverage (Overseas) | Trip Cancellation Coverage | Baggage Damage or Loss | Premium |
|---|---|---|---|---|---|
| AIG | Emergency travel assistance services | S$200,000 | S$5,000 | S$3,000 | From S$43 |
| Allianz | Emergency transportation (Includes COVID-19 Coverage) | S$200,000 | S$1,500 | S$1,000 | From S$37 |
| Bubblegum | Overall good value | S$150,000 | S$5,000 | S$3,000 | From S$31 |
| DirectAsia | "Kids travel with free coverage" benefit (Families) | S$150,000 | S$3,000 | S$1,000 | From S$25 |
| FWD | Lower premiums | S$200,000 | S$7,500 | S$3,000 | From S$20 |
| Great Eastern | Coverage for sports and adventurous activities | S$300,000 | S$10,000 | S$5,000 | From S$51 |
| Hong Leong Assurance | No claim discount | S$150,000 | S$5,000 | S$3,000 | From S$42 |
| Income | Post-departure purchase up to a day of departure | S$250,000 | S$5,000 | S$3,000 | From S$43 |
| MSIG | Comprehensive coverage (includes pre-existing conditions) | S$250,000 | S$5,000 | S$3,000 | From S$38 |
| Singlife | High or unlimited overseas medical coverage | S$250,000 | S$5,000 | S$3,000 | From S$29 |
| Sompo | Specially tailored plan for Japan trips | S$200,000 | S$5,000 | S$1,000 | From S$36 |
| Starr | Cruise coverage | S$200,000 | S$5,000 | S$3,000 | From S$25 |
| The Wise Traveller | Annual trips and membership programmes | S$480,000 | S$13,500 | S$13,500 | From S$306 |
| Tiq | Auto-pay out and higher efficiency for flight delays | S$200,000 | S$5,000 | S$2,000 | From S$21 |
| Zurich | Complimentary lounge access for flight delays | S$50,000 | S$2,500 | S$2,000 | From S$14 |
| UOI | Extensive coverage including COVID-19 | S$100,000 | S$3,000 | S$1,000 | From S$18 |
| Singtel | Covers adventurous leisure activities | S$150,000 | S$5,000 | S$3,000 | From S$16 |
We reviewed UOI UniTravel Travel Insurance
Explore how UOI UniTravel travel insurance offers affordable and comprehensive coverage—including benefits, and how it stacks up against competitors.
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UOI Travel Insurance Claims
How do 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.
3 Steps to Submit UOI UniTravel Insurance Claims
Step 1
Prepare your supporting documents for the claim
When claiming with UOI UniTravel Insurance, scan or photograph original documents for online submission and keep the originals for six months, as they may be needed for review.
Supporting documents include:
Step 2
Fill in details and upload supporting documents
Submit your claims form and supporting document to UOI’s appointed claims handling agent, Broadspire by Crawford & Company at [email protected].
You may also contact them at +65 6632 8639 during business hours.
All claims must be submitted no later than 31 days after insurance policy expiry.
Step 3
Wait for approval of claim and settlement
After submitting your claim, UOI will acknowledge receipt of your claim via either email or confirmation notice on their claims portal (if available).
This confirmation will include a reference number to track its approval status.
During this period, UOI might request for additional documentation where needed if there is any missing or unclear information. This includes medical reports, proof of expenses, statements, etc.
UOI UniTravel Insurance Refunds & Cancellations
You may cancel the policy at any time prior to the commencement of the trip by giving written notice to UOI. The premium will be refunded, minus a S$25 admin fee per Insured Person for the Individual Plan or S$25 per Family Plan.
No refund will be issued if the trip has already commenced or if any claim has been filed under the policy.
For the Annual Multi-Trip Plan, refunds will be based on the short-term rate as per policy wording. No refund will be provided for amounts less than S$10.
Frequently Asked Questions
What are the new UOI UniTravel Insurance enhancements?
- Since Jan 2025, UOI Travel Insurance has been renamed to UniTravel with benefit enhancements like:
- Increased annual multi-trip age eligibility
- Basic plan tier introduced for annual multi-trip
- Increased limit of rental vehicle excess of up to S$3,000
I am travelling to more than one country in a single trip. How do I select the preferred geographical area for my plan?
- Select the geographical area of the furthest country you intend to travel to during your trip.
Who is eligible to purchase UOI UniTravel Insurance?
- You must be either a Singapore citizen or PR residing in Singapore, or have a valid Employment Pass, Work Permit, Dependent Pass, or Long-Term Visit Pass to work or stay in Singapore.
Your trip must start and end in Singapore. Is there an age limit for UOI UniTravel Insurance?
- Yes, you must be between 18 to 80 years old to purchase a UniTravel Individual Plan. For Annual Multi-Trips, you must be between 18 to 75 years old.
How to claim UOI insurance?
- To claim UOI insurance in Singapore, download the relevant claim form from the UOI Useful Resources, prepare supporting documents (invoices, police or medical reports), and email them to the correct claims address for your policy type. Observe all submission deadlines: 31 days for travel/home/property, 7 days for accident/medical, and specific deadlines for motor claims.