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Compare and Find The Best HL Assurance Travel Insurance Policy in Singapore

Let’s find the most affordable Travel Insurance for your trip!

Coverage Type
Adults
Children
Family refers to at most 2 parents (insured person and legal spouse) and children below 18 years of age. Refer to insurer's brochure for specific definition of Family.
 

Table of Contents


 

HL Assurance Travel Insurance Review

Hong Leong Assurance Travel Protect360 is a comprehensive travel insurance plan designed specifically for the Singapore market. With its broad coverage, affordable pricing, and excellent customer service, Hong Leong Assurance Travel Protect360 is a wonderful option for travellers who want to ensure they are protected in case of unforeseen events while travelling.

 It also offers additional savings the next time you buy a travel insurance policy through their No Claims Discount feature. So, whether you're planning a quick weekend getaway or an extended trip abroad, Hong Leong Travel Insurance has a plan that will meet your needs and give you peace of mind on your travels.


 

HL Assurance Travel Insurance Policy Types of Coverage

With a variety of coverage to choose from, Hong Leong Assurance Travel Protect360 ensures that travellers are protected no matter where they go. These insurance coverage options include trip cancellation and interruption, medical and dental emergencies, emergency medical transportation, baggage loss and delay, travel delays and missed connections, and accidental death and disablement.

Hong Leong Assurance Travel Protect360 also offers 24/7 customer service in case you require urgent insurance assistance while overseas, providing travellers peace of mind knowing they are protected from unexpected events.

Medical and Other Expenses

Hong Leong Travel Insurance provides comprehensive coverage for medical expenses. This includes coverage for hospitalisation, outpatient treatment, and prescription medication. Hong Leong Travel Insurance also covers emergency medical evacuation, which ensures that you can be transported to the nearest medical facility in the event of a serious medical emergency. With Hong Leong Travel Insurance, you can enjoy your travels with the peace of mind that comes with knowing that are protected from unexpected medical expenses.

Travel Inconvenience

Hong Leong Assurance Travel Protect360 provides financial protection to travellers from circumstances that can disrupt their travels. A key benefit of Hong Leong Assurance Travel Protect360 includes compensation for trip cancellation or interruption, travel delays, and missed connections.

If your baggage is lost or delayed, your insurance policy will compensate for the loss or the purchase of essential items. Additionally, Hong Leong Assurance Travel Protect360 provides coverage for flight overbooking, which ensures that you will be compensated if you are denied boarding due to an overbooked flight.

With Hong Leong Assurance Travel Protect360, travellers are protected despite unexpected travel inconveniences.

Liability

Hong Leong Travel Insurance offers comprehensive coverage for personal liabilities, protecting travellers from financial losses if they are held liable for damages or injuries to others during their travels. This coverage includes personal liability coverage in case of injury or damage to others caused by the insured traveler and accidental damage to property. Hong Leong Travel Insurance also provides coverage for legal expenses incurred due to such incidents.

Lifestyle

Travellers with Hong Leong Assurance Travel Protect360 insurance policies can achieve peace of mind despite unexpected events affecting their lifestyle and enjoyment of their trip.

Lifestyle benefits includes coverage for loss of home contents due to burglary, golfing "Hole in One", credit card protection and rental car excess.


HL Assurance Travel Insurance Policy Packages

HL Assurance offers three distinct travel insurance packages – Basic, Enhanced, and Superior – each designed to meet different levels of coverage needs and budget considerations. From the Basic Plan's focus on essential concerns to the Superior Plan's extensive protections, travellers can select the policy that best fits their travel style and requirements.

HL Assurance Travel Insurance Basic Plan

The HL Assurance Travel Insurance Basic Plan is ideal for those seeking essential coverage at an unbeatable price, emphasising protection against trip and baggage delays, and baggage loss. As these are the most common disruptions for international travel, this basic policy is still suitable for most run-of-the-mill trips and shorter excursions overseas. Plus, its single-trip version comes in at a more affordable price compared to other basic single-trips plans on the market.

HL Assurance Travel Insurance Enhanced Plan 

One step up from Basic is the HL Assurance Travel Insurance Enhanced Plan. This policy offers a middle ground with better coverage, particularly for medical evacuation and baggage loss and damage, making it a potential option for thrillseekers and those who need to handle costly luggage on their travels. If you’re a traveller looking for a bit more security without a hefty price tag, this might be the travel insurance plan to consider.

HL Assurance Travel Insurance Superior Plan 

For the ultimate in Hong Leong’s travel insurance coverage, the HL Assurance Travel Insurance Superior Plan provides top-tier protection across all fronts, making it the best choice for those leaving nothing to chance. While the aspects covered are almost identical to the HL Assurance Travel Insurance Enhanced Plan, eligible coverage amounts are higher offering greater peace of mind. Plus, its price tag is competitive for 2-week trips to ASEAN and across Asia-Pacific as well as annual global travel insurance.


HL Assurance Travel Insurance Policy Summary of Coverage and Premiums

Basic Plan

HL Assurance Travel Insurance Basic Plan

Premiums

1-Week ASEAN Travel

S$34.80

Annual ASEAN Travel

S$189.50

1-Week Global Travel

S$38.40

Annual Global Travel

S$236.00

Coverage

Overseas Medical Treatment and Expenses

Up to S$150,000 (Excluding COVID-19 Coverage)

Emergency Evacuation

Unlimited

Cancellation of Trip

S$5,000

Delay of Trip

S$1,000 (S$100 for every 6 hours)

Loss of Baggage/Personal Effects

S$3,000

 

Enhanced Plan

HL Assurance Travel Insurance Enhanced Plan

Premiums

1-Week ASEAN Travel

S$47.40

Annual ASEAN Travel

S$255.50

1-Week Global Travel

S$51.00

Annual Global Travel

S$316.00

Coverage

Overseas Medical Treatment and Expenses

Up to S$250,000 (Including COVID-19 Coverage)

Emergency Evacuation

Unlimited

Cancellation of Trip

S$7,000

Delay of Trip

S$1,000 (S$100 for every 6 hours)

Loss of Baggage/Personal Effects

S$5,000

Superior Plan

HL Assurance Travel Insurance Superior Plan

Premiums

1-Week ASEAN Travel

S$63.60

Annual ASEAN Travel

S$350.00

1-Week Global Travel

S$69.90

Annual Global Travel

S$422.00

Coverage

Overseas Medical Treatment and Expenses

Up to S$500,000 (Including COVID-19 Coverage)

Emergency Evacuation

Unlimited

Cancellation of Trip

S$12,000

Delay of Trip

S$1,000 (S$100 for every 6 hours)

Loss of Baggage/Personal Effects

S$7,000


What Countries Do HL Travel Insurance Cover?

HL Assurance Travel Insurance policies cover a wide range of countries across three areas of travel:

  • Area 1 (ASEAN): Brunei, Cambodia, Indonesia, Laos, East & West Malaysia, Myanmar, Philippines, Thailand and Vietnam
  • Area 2 (APAC): Australia, China (Excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area 1.
  • Area 3 (Global): Worldwide including countries listed in Area 1 and 2 (excluding Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Libya, North Korea, Sudan, Somalia and Syria).

Hong Leong Travel Insurance No Claims Discount

The No Claims Discount (NCD) feature rewards travellers who have not made any claims during their policy period. The NCD is a percentage-based discount on the insurance premium, and travellers can get up to 10% discount. This feature encourages responsible travel and helps reduce insurance costs for travellers with a good claims history.

With Hong Leong Assurance Travel Protect360, travellers can enjoy additional savings on their premiums while having peace of mind with comprehensive coverage.

Things You Should Know About Travel NCD

  1. Hong Leong Assurance is the only insurance provider in Singapore offering No Claim Discounts (NCD) on insurance policies, including HL Assurance Travel Insurance.
  2. NCD discounts stack to up to 10% off the next policy you purchase. After one claim-free single trip, you will receive a 5% NCD promo code for your next insurance purchase. If that subsequent trip is ALSO claim-free, you will receive a 10% NCD discount on your next trip. All subsequent consecutive no-claim trips will then entitle you to a 10% NCD promo code, helping you optimise your travel budget even further.
  3. Both single trip and annual travel insurance policies under Hong Leong Assurance Travel Protect360 are eligible for NCD discounts.

HL Assurance Travel Insurance Review for Annual vs Single Trip Purpose

Hong Leong Assurance offers two travel insurance options: Annual Unlimited and Single Trip Insurance. The former is for frequent travellers, while the latter covers a single trip. Both provide comprehensive coverage but have distinct differences to consider. Find out more below or check out our guide to annual travel insurance VS single trip insurance to help you select what suits your travel profile best.

Single Trip

Hong Leong Assurance's Single Trip policy provides comprehensive travel coverage for a one-time trip. It includes benefits such as coverage for medical expenses, trip cancellations, trip interruptions, loss or damage of luggage, and personal accidents. The insurance policy offers flexibility in terms of the duration of the trip, with coverage available for up to 182 days.

Annual Unlimited

Hong Leong Assurance's Annual Unlimited policy is designed for frequent travellers who take multiple trips throughout the year. It provides coverage for unlimited trips, each with a maximum duration of 90 days.

The policy includes benefits such as coverage for medical expenses, trip cancellations, trip interruptions, loss or damage of luggage, and personal accidents. With the convenience of having one insurance policy that covers all their trips, frequent travellers can enjoy their journeys with peace of mind.


HL Assurance Travel Insurance Policy Claim

Notify Hong Leong Travel Insurance

Inform Hong Leong Assurance about your claim within 30 days of the event by:

Prepare the Necessary Documents

Gather all necessary supporting documents for your HL insurance claim such as travel itinerary, medical reports, receipts, police report (if applicable), and any other relevant documentation.

Submit Your Claim and Supporting Documents

Submit your HL insurance claim and supporting documents online. If you need assistance, reach out to their customer service team for guidance.

Wait for Your Claim To Be Processed and Reviewed

Hong Leong Assurance will review your claim and supporting documents and may contact you if further information is required. If your claim is approved, Hong Leong Travel Insurance will provide compensation or reimbursement according to the terms of your policy.


HL Assurance Travel Insurance Policy Comparison and Conclusion

HL Assurance offers three tiers for both single trip and annual multi-trip travel insurance - Basic, Enhanced, and Superior. For more details, please read the full list of benefits and exclusions in the policy wording.

 Hong Leong Assurance Travel Protect360 BasicHong Leong Assurance Travel Protect360 EnhancedHong Leong Assurance Travel Protect360 Superior
Overseas Medical Coverage (Adult age 70 and below)S$150,000S$250,000S$500,000
Overseas Medical Coverage (Adult age 70 and above)S$50,000S$50,000S$100,000
Overseas Medical Coverage (Child)S$100,000S$100,000S$100,000
Accidental Death & Permanent Disability (Adult age 70 and below)S$200,000S$250,000S$300,000
Accidental Death & Permanent Disability (Adult age 70 and above)S$50,000S$50,000S$50,000
Accidental Death & Permanent Disability (Child)S$50,000S$50,000S$50,000
Loss of Baggage/BelongingsS$3,000S$5,000S$7,000
Loss of Personal MoneyS$250S$250S$500
Loss of Personal DocumentsS$2,000S$3,000S$4,000
Delayed Baggage/Delayed Baggage for every 6 hours overseasS$800/S$100S$1,000/S$100S$1,200/S$100
Trip Cancellation/CurtailmentS$5,000/S$3,000S$7,000/S$5,000S$12,000/S$8,000
Overbooked Flight (S$100 for every 6 hours)S$100S$100S$100
Personal LiabilityS$500,000S$500,000S$1,000,000
Loss of Home Contents due to BurglaryS$1,000S$1,500S$2,000
Overseas Medical Expenses due to COVID-19N/AUp to S$50,000Up to S$150,000
Trip Cancellation due to COVID-19NAS$1,000S$2,000
Trip Postponement due to COVID-19NAS$750S$1,500
Trip Curtailment due to COVID-19NAS$1,000S$2,000

 

COVID-19 Coverage

In response to the ongoing COVID-19 pandemic, Hong Leong Assurance Travel Protect360 now offers coverage for COVID-19-related events for travellers.

COVID-19 Travel Concierge

Hong Leong Assurance Travel Protect360 offers a COVID-19 Concierge service to help travellers navigate the complexities of travelling during the pandemic. The service provides travellers with access to a dedicated team of experts who can provide up-to-date information on travel restrictions, entry requirements, and COVID-19 testing protocols at their destination. In addition, the service offers assistance with arranging COVID-19 testing, medical consultations, and hospital admissions if necessary.

With the COVID-19 Concierge service, Hong Leong AssuranceTravel Protect360 aims to provide peace of mind to travellers during these uncertain times, allowing them to focus on enjoying their trip.

Extensive COVID-19 Coverage

Hong Leong COVIDSafe Travel Protect360 Travel Insurance (Enhanced and Superior tiers only) offers extensive COVID-19 insurance coverage for travellers. The policy covers COVID-19 related medical expenses and hospitalisation costs, including emergency medical evacuation and repatriation.

The insurance also provides coverage for COVID-19 related travel inconveniences such as trip cancellations or interruptions, travel restrictions or quarantine requirements, travel postponement, or baggage loss.

Hong Leong COVIDSafe Travel Protect360 Travel Insurance is designed to provide travellers with comprehensive protection against the unexpected consequences of the pandemic, ensuring that they can travel with confidence and peace of mind.

COVID-19 Quarantine Allowance

If you are required to undergo mandatory quarantine due to COVID-19, Hong Leong COVIDSafe Travel Protect360 Travel Insurance offers a COVID-19 Quarantine Allowance that can help you cover expenses incurred during quarantine. This feature ensures that travellers can still manage their expenses while complying with the necessary quarantine requirements.

With Hong Leong COVIDSafe Travel Protect360 Travel Insurance, travellers can have peace of mind knowing they are financially protected in case of any unexpected quarantine requirements.


Frequently Asked Questions About HL Assurance Travel Insurance Policy

What are the notable exclusions for Hong Leong Travel Insurance's COVIDSafe Travel Protect360?

The notable exclusions for Hong Leong Travel Insurance's COVIDSafe Travel Protect360 include pre-existing medical conditions, travel to destinations with a travel advisory issued by the Ministry of Foreign Affairs, and travel against the advice of a medical professional. The policy also does not cover claims related to other pandemics or epidemics, except for COVID-19.

Can you file a claim for medical treatment after you've arrived back in Singapore?

Yes, you can file a claim for medical treatment after returning to Singapore. You'll need to notify Hong Leong Insurance of your claim within 30 days of the occurrence and submit all necessary supporting documents to support your claim.

Can you get coverage for pre-existing medical conditions with Hong Leong Travel Insurance?

Hong Leong Assurance does not provide coverage for pre-existing medical conditions unless declared and accepted by the insurer before the start of the trip.

Does Hong Leong Travel Insurance provide coverage for pregnancy-related issues?

No, Hong Leong Assurance doesn't provide coverage for pregnancy-related issues. If you are intending to buy maternity insurance for when you’re expecting, check out SingSaver's guide to travel insurance for pregnant women to figure out how you can best financially protect your growing family.

How can I contact Hong Leong Assurance for travel insurance-related queries?

You can contact Hong Leong Assurance at +65 6702 0202 for any travel insurance-related queries.

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