AirAsia Travel Insurance Review 2024: Best for Short Getaways

Alevin Chan

Alevin Chan

Last updated 14 December, 2023

AirAsia’s travel insurance plan is made for casual travellers with light needs. Just as well, as its barebones benefits make the plan hard to recommend to most flyers. 

Travel Protection for AirAsia is the official name of the travel insurance plan offered by budget carrier AirAsia. It is as utilitarian a name as can be, and a good hint as to what the travel plan provides.

As you’ve probably surmised by now, Travel Protection for AirAsia isn’t exactly overflowing with travel benefits. The plan can do the job, but in all likelihood, only a limited subset of travellers will find the coverage afforded to be adequate. 

But still, given how this travel plan is offered through AirAsia, perhaps it’s designed on purpose to be a snug fit for their core customers – budget travellers who take short trips within and around the region. 

In that vein, let’s have a look at what’s on offer in AirAsia’s travel insurance plan.


Table of contents:


Reviews: Is AirAsia Travel Insurance Worth It?

AirAsia Travel Insurance, tailored for budget travellers, emphasises essential coverage at competitive rates. The plan is ideally suited for individuals looking for straightforward, cost-effective insurance for short regional trips. 

SingSaver’s customer review platform enables past travellers to share their experiences and feedback directly. This valuable resource provides you with authentic insights and ratings to help guide their decision-making process about our travel insurance products.


Comparing AirAsia Travel Insurance To Other Plans

When it comes to selecting travel insurance, it's essential to compare. AirAsia's plans are generally more affordable compared to comprehensive offerings but with more limited benefits. The chart below outlines how AirAsia stands against other popular insurance providers, particularly in areas such as pricing, COVID-19 coverage, and benefits for travel inconveniences.


Product summary

Key benefits of Travel Protection for AirAsia 

Benefit
One-way
Return
Overseas medical expenses 
S$10,000
S$10,000
Emergency evacuation and repatriation 
S$50,000
S$50,000
Accidental death and disablement
S$125,000
S$125,000
Trip cancellation 
S$600
S$600
Trip curtailment
N/A
Up to cost of AirAsia ticket
Loss or damage to baggage
S$800 (S$200 per item)
S$800 (S$200 per item)
Personal money and travel documents
N/A
S$500
Home contents 
N/A
S$350
Cruise-to-nowhere
Not covered
Cruise-to-nowhere
Adventurous activities
Not covered
Adventurous activities
Pre-existing conditions
Not covered
Pre-existing conditions
COVID-19 benefits
Medical expenses Hospital allowance: S$50/day
Plan 10: S$15,000Plan 25: S$35,000Plan 50: S$80,000
Plan 10: S$15,000Plan 25: S$35,000Plan 50: S$80,000
Cancellation of trip due to COVD-19
S$600
S$600
Overseas compassionate visit
N/A
S$2,000
Emergency evacuation and repatriation of remains
S$50,000
S$50,000

AirAsia Travel Insurance Plans and Pricing

One-wayReturn

 

One-way

Return

Basic Plan Average
Lite 
(does not cover COVID-19)
S$11.90
From S$23.80
S$35.00
Plus
(with COVID-19 benefits)
Plan 10: S$14.30
Plan 25: S$15.40
Plan 50: S$18.70
Plan 10: From S$28.60
Plan 25: From S$30.80
Plan 50: From S$37.40
-

To further complicate things, Travel Protection for AirAsia actually comes in two versions: Lite (without COVID-19 coverage) and Plus (with COVID-19 coverage). 

One-way plans are charged at a flat cost, as shown in the table above.

Return plans are charged in blocks of 10 days. The premiums shown here are for a trip lasting 1 to 10 days, and premiums increase a little or longer trips, such as 11 to 20 days, 21 to 30 days, etc. The maximum duration for each Return plan is 90 days. 


Benefits: Is AirAsia Travel Insurance Good?

Overseas medical and hospitalisation benefits

AirAsia’s travel insurance coverage provides up to S$10,000 for overseas hospitalisation expenses. There’s also a compassionate visit benefit of up to S$2,000 if you choose the Return plan.

In the event of COVID-19, the plan provides a much higher medical benefit of S$15,000, S$35,000 or S$80,000 depending on which of the 3 tiers you choose. There’s also daily hospital cash of S$50 per day.

Yes, it’s a little confusing, as the plan is further divided into One-way and Return plans. Just remember that Plan 10, Plan 25 and Plan 50 only impacts how much COVID-19 coverage you receive, and all other benefits are the same as with the base plan. 

The base plan is split into One-way and Return, with the latter providing a fuller selection of benefits, as seen in the table above. 

Emergency evacuation and personal accident benefits

AirAsia Travel Insurance provides a safety net with up to S$50,000 coverage for emergency evacuation and repatriation. This significant amount is designed to cover the costs of emergency medical transportation and necessary repatriation services, ensuring that you can be transported to a suitable medical facility or returned home safely in case of a severe medical emergency.

Recognising the challenges of the COVID-19 pandemic, this coverage includes emergency medical evacuation if diagnosed with COVID-19 during travel. The plan covers all necessary expenses for safe repatriation, including medically equipped flights for severe cases requiring continuous medical care.

Beyond evacuation, the insurance plan includes personal accident benefits, providing coverage in the unfortunate event of severe injury or accidental death during your travels. This coverage is crucial for offering financial support to you or your beneficiaries and helping manage the sudden financial strains that can accompany such tragic events.

Travel inconvenience 

The AirAsia Travel Insurance plan provides up to S$600 if you need to cancel your trip, and the same applies for COVID-19. Travel curtailment is only covered if you choose the Return plan, and only up to the cost of your AirAsia ticket. You will also receive up to S$800 coverage for luggage and personal items, with a limit of S$200 per item. The Return plan further provides up to S$500 cover for personal money and travel documents, as well as S$350 in home contents coverage to protect your property while you’re away.


List of AirAsia Travel Insurance Exclusions

We’ve highlighted some general exclusions in Travel Protection for Air Asia. Be sure to check the policy wording for the full list of exclusions. 

Travel Protection for Air Asia does not cover:

  • Self-inflicted injury or suicide
  • Pregnancy, miscarriage, childbirth or abortion and their complications or fertility, sub-fertility or assisted conception operation.
  • Activities while under the influence of drugs or alcohol
  • Professional sports or competitions with expectation of prizes
  • Travelling against the advice of a Physician, or for the purposes of seeking medical attention
  • Hiking or mountaineering above 3,500 m. 
  • Adventurous sports and activities such as bungee jumping, diving, white rafting rafting, canoeing, rock climbing, underwater activities, etc

AirAsia Travel Insurance Pros & Cons

Pros
Cons
Offers decent COVID-19 coverage, along with daily hospital cash benefits.
Scope of benefits and level of coverage is severely lacking in comparison to other travel insurance plans.
Likely the cheapest travel insurance plan you can find. 
 

When it comes to insurance, it’s basically a case of getting what you pay for. We have reviewed Travel Protection by AirAsia and sure, the premiums for it are exceedingly low, but you’re really not getting much coverage in return. Getting this plan as a supplementary to boost your COVID-19 cover may not work also, as there are often clauses that prevent double claims on the same event, even if via two different policies. 

So where does that leave us? Well, if you aren’t severely constrained by budget, you’ll be better off with a more expensive, but more fully featured, travel insurance plan. 


AirAsia Travel Insurance Claim

Follow these steps when making a claim for Travel Protection for AirAsia.

  • Step 1: Prepare the necessary documents, including:
    • Claims from
    • Travel itinerary
    • Police report
    • Receipts and invoices
    • Hospital reports and medical bills
    • Personal details
  • Step 2: Submit your claims online at the AirAsia Travel Insurance claims portal
    • Enter your details
    • Upload your documents
    • Submit your claims online
  • For mail-in claims:
    • Download the claims form: Plus Plan, Lite Plan
    • Fill in the form and ensure you have the necessary supporting documents
    • Mail in your from and all supporting documents to
      • HL Assurance Pte Ltd 
      • 11 Keppel Road, #11-01 ABI Plaza, Singapore 089057
  • For enquiries:
    • Claims-related enquiries: claims.sg@tuneprotect.com
    • Emergency hotline: +65 31656256

Detailed Review of Best Travel Insurance in AirAsia

AirAsia offers two primary types of travel insurance plans: One-way and Return. Each is designed to cater to the different needs of travellers, whether they are looking for simple trip coverage or more comprehensive protection for round trips.

One-way

The one-way travel insurance plan from AirAsia is tailored for travellers not returning to their original departure point. This plan is ideal for those moving to another country or taking one-way flights for extended stays. Coverage typically includes essentials like medical expenses and baggage loss up to certain limits, but lacks broader features like trip cancellation or interruption benefits. According to online reviews, travellers appreciate the affordability of this plan for short, straightforward trips where extensive coverage is not a priority.

Return

The return travel insurance plan is more comprehensive and suited for travellers who plan round trips. This option covers all the benefits of the one-way plan with additional features such as trip cancellation and interruption, higher medical coverage limits, and sometimes even home content protection while away. Reviews often highlight this plan's value for money, citing the enhanced coverage as a major advantage for typical holiday travellers who face common travel risks like flight delays, cancellations, and lost luggage.


Other Travel Insurance Provider Reviews

Looking to compare more options besides AirAsia Travel Insurance? Check out additional travel insurance provider reviews at SingSaver:

An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.

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