Aviva Travel Insurance Review: High Medical Benefits And Well-Rounded Coverage

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Aviva’s travel insurance plans start with basic coverage policies to more comprehensive ones with additional benefits, ensuring peace of mind while travelling.

Aviva’s travel insurance policies allow you to travel safely, offering various levels of coverage. This starts from basic coverage to more comprehensive benefits, ensuring peace of mind while you travel. Furthermore, there’s an extra 30% discount for MINDEF/MHA Group Term Life policyholders and their immediate family members.

Here’s everything you need to know about Aviva’s Travel Insurance policy:

Summary of Product

1. High Medical Coverage
Aviva offers up to unlimited coverage for overseas medical expenses and emergency medical evacuation (Travel Prestige Plan).

2. Rental Vehicle Excess Cover
Embedded in the base plan across all plans, this coverage covers the excess or deductible which You become legally liable to pay in respect of loss or damage to the rented private vehicle during Your Trip, up to a benefit limit of S$2,500.

3. Loss of Frequent Flyer Points
If you purchase airline tickets, entertainment ticket or book accommodation using frequent flyer points or similar reward points, and is subsequently cancelled due to the events for which you are covered, Aviva will pay back the retail price at the time it was issued, provided the loss of points cannot be recovered from any source.

4. 24-hour Worldwide Emergency Medical Assistance
Help when you’re travelling and in need. An experienced medical emergency assistance coordinator will deal with your enquiry and make sure that where necessary, hospitals are contacted, medical advisers are consulted and necessary medical fees are guaranteed.

5. Automatic Extension of Cover
Policy will remain in force for up to 30 days without any extra premium if return journey is prevented due to public transport delays or due to an accidental injury, illness or quarantine.

6. Child Minder
Provides additional accommodation and travelling expenses for your close relative or friend to accompany the child covered under this policy home if you sustain death or become hospitalised overseas during your trip.

Pros and cons

Full terrorism cover

Covers loss of frequent flyers points

Travel inconvenience/Change of travelling date for any reason – cover trip cancellation/change of travelling date for any reason. It covers 50% of the deposits instead of 100% under typical trip cancellation based on certain insured events.

Replacement Traveller (For Business Travel only) for Plus and Prestige Plans – additional transport and accommodation expenses incurred to replace one traveller to take over Your business Trip
No cover for any Golfing Equipment, Water Sports Equipment and Winter Sports Equipment unless otherwise stated on Your policy Schedule.

No cover for pre-existing conditions

Excludes participation in dangerous sports and leisure activities

Policy exclusions

The list of exclusions for this policy include the following:

  • Pre-existing medical condition
  • Any loss, injury or damage due to the influence of alcohol or non-prescription drugs or medications
  • Claims arising from mental problem or insanity
  • Suicide or attempted suicide or intentional self-inflicted injury, while sane or insane
  • Any claim that results from a medical condition planning to get medical treatment for during your trip
  • Any sports equipment and personal mobility device (PMD) that is damaged while it is being used
  • Dangerous sports and leisure activities with a high inherent level of risks (eg. bungee jumping, parachuting, free flying, zip lining, flying fox, marathons, outdoor rock climbing, cliff jumping)
  • Travelling against advice of regulatory authorities
  • Any Golfing Equipment, Water Sports Equipment and Winter Sports Equipment unless otherwise stated on Your policy Schedule
  • Delayed departure for any claim caused by an event (including Catastrophic Event, strike, riot or civil commotion) that existed, was planned or occurred before you bought your policy or booked your trip, whichever is later

The full list of exclusions is available in the policy wording.

Types of plans

Aviva provides three tiers of plans with different coverage and pricing – Lite, Plus, and Prestige. For more details, please read the full list of benefits and exclusions in the policy wording.

Plan TypeCancellationMedical Coverage (Overseas)Bags/Belongings

Add-Ons/ Optional Riders – (1) Oversea Wedding & Photoshoot; (2) Golf Holiday; (3) Winter Sports; (4) Extreme Water Sports.

Aviva Lite Plan

Aviva’s Lite Plan is good for travellers who are looking for average coverage with decent pricing. In terms of travel inconveniences, Aviva’s Lite Plan offers a benefit limit of $500 for baggage delay (at $100 for every six hours of baggage delay while overseas and $150 after 6 hours of delay when arriving in Singapore). Personal accident coverage is $50,000.

Aviva Plus Plan

Aviva Plus Plan offers a relatively high medical coverage of $2,000,000, which is above industry average. For baggage delay, the benefit limit is at $1,000 (capped at $200 for every 6 hours of baggage delay while overseas and $150 after 6 hours of delay when arriving in Singapore), which is similar to the Lite Plan. Personal accident coverage is $100,000.

Aviva Prestige Plan

Aviva Prestige Plan is the one with the highest limit out of the three types of plan – its unlimited overseas medical expense limit is suitable for travellers who are travelling to places where medical treatment/ hospitalisation due to accident is going to cost an arm and leg.

Additional coverage such as Car Rental Vehicle Return (up to $500), Home Contents (up to $15,000) and Domestic Pet Care (up to $1,000) are embedded in the Prestige base plan. These are usually add-ons for other insurers. Baggage delay benefit limit is at $2,000 (payable at $200 for every 6 hours of baggage delay while overseas and $150 after 6 hours of delay when arriving in Singapore). Personal accident coverage is $500,000.


We will look at pricing comparison across various plans (basic/ mid-tier/ top shelf) for both Single Trip and Annual Trip. We recommend you to check out Aviva Plus and Aviva Prestige (its Mid-Tier and Top-Shelf plans) for their above market average benefits at low pricing!

Basic Plan

Trip TypeAviva LiteIndustry Basic Plan Average
1 week Asean$34.20$26
1 week Asia$42.30$32
1 week Worldwide$62.80$46
Annual Asean$198$149
Annual Asia$213$208
Annual Worldwide$261$282

Mid-Tier Plan

Trip Type Aviva PlusIndustry Mid-Tier Plan Average
1 week Asean$48.60$33
1 week Asia$61.30$41
1 week Worldwide$92$59
Annual Asean$281$206
Annual Asia$309$242
Annual Worldwide$381$332

Top-Shelf Plan

Trip TypeAviva PrestigeIndustry Top-Shelf Plan Average
1 week Asean$67.70$47
1 week Asia$85.40$58
1 week Worldwide$134.50$80
Annual Asean$392$269
Annual Asia$431$310
Annual Worldwide$557$430

How to make a claim

To make a claim, please call +65 6460 9391 for Aviva’s claims assistance helpline. Alternatively, click here to access their claims portal.

Aviva Travel Insurance Promotion:
Receive an 18% discount when you use the code TRAVEL18 while applying for single trip plans. Valid from 1 – 31 May 2021. T&Cs apply.

Protected up to specified limits by SDIC.

Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that are not suitable for you may impact your ability to finance your future healthcare needs.

If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

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