Direct Asia Travel Insurance Review: Affordable and Great for Families

Deborah Gan

Deborah Gan

Last updated 16 April, 2024

Get your whole family covered with this all-rounded travel insurance plan — Direct Asia Travel Insurance.

For the uninitiated, Direct Asia has emerged as a notable player in the travel industry landscape, offering decent coverage, low premiums and the option to select optional covers to cater to your travel needs.

Whether you're a frequent globetrotter or planning a once-in-a-lifetime trip like your honeymoon, getting the right travel insurance will help to give you a peace of mind knowing that you are sufficiently insured regardless of what travel inconveniences you might face abroad.

We delve into the coverage, premiums and everything else you need to know about Direct Asia Travel Insurance to help you make an informed decision about choosing the right plan for your next adventure.

Table of contents:


Read Real User Reviews of Direct Asia Travel Insurance

powered-by

Genewieve PC
Rating Group - 5

Customer service beyond the ordinary. With a customer satisfaction rating of more than 90%, rest assured we will be there for you when you need us most.

Huang
Rating Group - 5

Their online access is the easiest to use. I always buy from this company because of the ease of purchase. And the price is fairly competitive.

Lee Emma
Rating Group - 5

It's a value-for-money option with hassle-free and quick sign-up online. Coverage is sufficient as well.


 

Direct Asia Travel Insurance coverage

Direct Asia has a total of 4 plans — DA150, DA200, DA500 and DA1000. However, not all plans are applicable to you, and it depends on whether you’re purchasing a single or annual travel insurance plan.

  • Single — DA150, DA200, DA500
  • Annual — DA200, DA500, DA1000

Direct Asia Travel Insurance also offers a Family Plan, where the coverage has an overall combined limit for you and your children. And the best part is that adults and children are offered the same claim limits!

Here is an overview of the coverages offered by Direct Asia, in which the limits are per person. 

Per persons limit
DA150 (not available for annual plan)
DA200
DA500 
DA1000 (not available for single trip plan)
Overseas Medical expenses
S$150,000
S$200,000
S$500,000
S$1,000,000
Medical expenses in Singapore
S$5,000
S$10,000
S$25,000
S$50,000
Personal liability
S$200,000
S$400,000
S$1,000,000
S$1,000,000
Trip cancellation
S$3,000
S$10,000
S$15,000
S$25,000
Travel delay (S$100/6h)
S$1,000
S$1,000
S$1,500
S$2,000
Baggage Loss 
S$2,500
S$7,500
S$12,500
S$18,750
Rental car excess
S$1,500
S$1,500
S$1,500
S$1,500

Direct Asia Travel Insurance Promotion: Enjoy 40% discount when you apply NOW! Valid till 31 May 2024. T&Cs apply. Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 


 

Medical expenses

 
Limit
DA150 (not available for annual plan)
DA200
DA500 
DA1000 (not available for single trip plan)
Medical expenses whilst overseas
Per adult or child
S$150,000
S$200,000
S$500,000
S$1,000,000
Per family 
S$375,000
S$500,000
S$1,250,000
S$2,500,000
Medical expenses in Singapore
Per adult or child
S$5,000
S$10,000
S$25,000
S$50,000
Per family 
S$12,500
S$25,000
S$62,500
S$125,000
TCM limit
Per policy
S$350
S$500
S$750
S$1,000

When it comes to medical expenses, Direct Asia offers coverage for treatment received overseas and when you’re back in Singapore. They even cover Traditional Chinese Medicine (TCM) treatment which not many other plans offer — great for those who are strong believers of TCM and their benefits.


 

Coverage for personal accidents

 
Limit
DA150 (not available for annual plan)
DA200
DA500 
DA1000 (not available for single trip plan)
Medical evacuation and repatriation
Per adult or child
S$1,500,000
S$1,500,000
S$1,500,000
S$1,500,000
Per family 
S$3,750,000
S$3,750,000
S$3,750,000
S$3,750,000
Death and permanent disability
Per adult or child
S$100,000
S$300,000
S$500,000
S$500,000
Per family 
S$250,000
S$750,000
S$1,250,000
S$1,250,000
Compassionate visit
Per policy
S$2,000
S$3,000
S$5,000
S$7,500

Getting into an accident and being severely injured as a result might be the least of your worries overseas because you’re on holiday mode, but it is still a very possible and unfortunate thing that could happen to you.

If it happens, you can rest assured knowing that the claim limits are very decent.

Aside from their medical evacuation and repatriation benefit and death and permanent disability benefit, you are also covered for compassionate visits. In the event you are hospitalised for more than 5 continuous days overseas and are alone, one family member or friend will be able to have their flight expenses covered to fly over to the destination country and visit you.


 

Coverage for trip disruptions

 
Limit
DA150 (not available for annual plan)
DA200
DA500 
DA1000 (not available for single trip plan)
Trip cancellation, disruption and postponement
Per adult or child
S$3,000
S$10,000
S$15,000
S$25,000
Per family 
S$7,500
S$25,000
S$37,500
S$62,500
Travel delay
Per adult or child
S$1,000
S$1,000
S$1,500
S$2,000
Per family 
S$2,500
S$2,500
S$3,750
S$5,000
Pet hotel
Per policy
S$1,000
S$1,000
S$1,000
S$1,000
Baggage loss
Per adult or child
S$1,000
S$3,000
S$5,000
S$7,500
Per family 
S$2,500
S$7,500
S$12,500
S$18,750
Delayed personal possessions
Per adult or child
S$1,000
S$1,000
S$1,000
S$1,000
Per family 
S$2,500
S$2,500
S$2,500
S$2,500

If you have to cancel or postpone your trip for any valid reason, experience travel delay, have your baggage delayed or lose your baggage entirely, rest assured that you are sufficiently covered.

Do note that for any loss, damage or stolen personal effects, there are claim limits. For both family and individual plans, there is a claim limit of S$500 per article, S$1,000 for laptops and S$200 for credit card fraud. There is also additional coverage for loss of money for family plans, up to S$1,000.

There’s even a pet hotel coverage of up to S$1,000 to cover any additional charges spent on your pet’s accommodation if you face any travel delay.


 

Family benefits

If you’re bringing your kids along on your trip with you, Direct Asia Travel Insurance might be your new go-to travel insurance because, firstly, it offers complimentary coverage for up to 4 children.

Though most family plans offered by insurers come at a fixed price no matter how many kids you have, they might still have extra costs beyond just paying for 2 adults. But for Direct Asia, your’re just paying for 2 adults if you opt for a family plan.

On top of that, the coverage for each child and adult is the same, meaning that your children are still able to claim up to the same claim limit as you, up to the limit set by the family plan. If you compare to other travel insurance plans, some offer much lower coverage for children. This gives you the peace of mind of knowing that your children are sufficiently covered as well!


 

Optional benefits

Want to be covered for COVID-19 or extreme sports/activities? Direct Asia offers a bunch of optional benefits as add-ons. Do note that covers are only available if you purchase their annual travel insurance plan, except for COVID-19 coverage which can only be added to single-trip policies.

Extreme sports/activities — You’ll be covered for activities like skiing, snowboarding, diving, kayaking, white water rafting, jetskiing, ATV, go-karting, and many more. You can find the full list here.

Sports equipment — In the event of loss, theft or accidental damage to your sports equipment, it will be covered by Direct Asia. Some of these equipment include skis, snowboard, poles, scuba equipment, golf clubs and more. Find the full list here.

Foreign domestic worker — If you’re travelling overseas with your helper, you can add this optional cover for them to be included in your Family Plan. It will cover medical expenses, medical evacuation and repatriation, emergency phone charges, and trip cancellation, curtailment or delay. More details can be found here.

COVID-19 — for single-trip policies only. Under this optional cover, you’re covered for any medical expenses overseas and in Singapore (within 48 hours of your return), including follow-up treatment. It also covers emergency medical evacuation, repatriation of mortal remains and local burial, as well as trip cancellation and curtailment due to COVID-19. For more information, click here.


 

List of exclusions

  • Pre-existing conditions
  • Suicide or self-injury
  • Sexually transmitted diseases
  • Pregnancy, childbirth, abortion, miscarriage or menopause and any complications
  • Cosmetic treatment
  • Emotional, psychiatric or sleep disorder or condition
  • Routine or elective non-emergency treatment or surgery
  • Participation in speed races or sporting activities professionally

For the full list of exclusions, you can refer to their policy wording.


 

Travel insurance plans and pricing

Single-trip, individual plan

 
DA100
DA200
DA500
3-day trip to Thailand (ASEAN)
S$24.50
S$28
S$35
5-day trip to Thailand (ASEAN)
S$29.75
S$33.25
S$45.50
5-day trip to Australia (Asia)
S$38.50
S$43.75
S$57.75
7-day trip to Australia (Asia)
S$43.75
S$59
S$70
7-day trip to the United Kingdom (Worldwide)
S$69.55
S$74.90
S$94.52
14-day trip to the United Kingdom (Worldwide)
S$96.30
S$105.22
S$124.83

Single trip, family plan (2 adults, 2 kids)

 
DA100
DA200
DA500
3-day trip to Thailand (ASEAN)
S$49
S$56
S$70
5-day trip to Thailand (ASEAN)
S$59.50
S$66.50
S$91
5-day trip to Australia (Asia)
S$77
S$87.50
S$115.50
7-day trip to Australia (Asia)
S$87,50
S$98
S$140
7-day trip to the United Kingdom (Worldwide)
S$139.10
S$149.80
S$189.03
14-day trip to the United Kingdom (Worldwide)
S$192.60
S$210.43
S$249.67

Annual trip, individual plan

 
DA200
DA500
DA1000
Asia
S$248.33
S$308.33
S$396.67
Worldwide
S$348.33
S$398.33
S$480

Annual trip, family plan (2 adults, 2 kids)

 
DA200
DA500
DA1000 
Asia
S$496.67
S$616.67
S$793.33
Worldwide
S$696.67
S$796.67
S$960

 

Should I buy Direct Asia Travel Insurance? Pros and cons

Pros
Cons
Child cover is the same as adults
Optional add-ons only available for annual plans
Complimentary coverage for up to 4 children
Does not cover pre-existing conditions
Affordable premiums, starting from S$15
COVID-19 is not included as a base plan and only available as an add-on
Additional 10% off group travel insurance with at least 3 travellers
 

Direct Asia Travel Insurance is a good plan, especially for families, as they offer complimentary coverage for up to 4 children and offer the same claim limits for both children and adults.

Beyond that, this plan is rather all-rounded, offering decent coverage across all aspects. The premiums are also relatively affordable, and you have the option to add extra coverage, though only applicable to annual plans.


 

How to make a claim

To make a claim, the only way you can do so is to call Direct Asia at 65321818 if you’re in Singapore, or +65 6603 3699 if you require any assistance. It’s a 24-hour hotline that can provide you with assistance round the clock.

Do ensure that you prepare the necessary documents and send them over to them by email, fax or post. For more information on claims, click here.

Direct Asia Travel Insurance Promotion: Enjoy 40% discount when you apply NOW! Valid till 31 May 2024. T&Cs apply. Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 


Does Direct Asia travel insurance cover pre-existing conditions?

The coverage for death and permanent disability in Direct Asia's travel insurance plans is specifically valid if it stems from an injury sustained during the insured trip. For further clarification regarding coverage policies, individuals may contact DirectAsia's customer specialists who are available to assist with any inquiries.

Is it easy to make claims with Direct Asia Travel Insurance?

Direct Asia Travel Insurance offers a straightforward claims process. They provide an Online Travel Claims Form and a 24-hour Claims hotline for assistance during critical times. For support, individuals can reach out by dialing +65 6991 3555 (Overseas) or +65 6532 1818 (Singapore), and the team will manage the entire process for them.

How do I email Direct Asia Singapore?

You can email Direct Asia at customerservice@directasia.com.

Alternatively, you can also visit their Contact Us page at https://www.directasia.com/contact or call their Customer Service hotline at 6665 5555


A mahjong addict with an undying love for dogs, Deborah is always on the hunt for cheap deals because she is always broke. That is why she is attempting to be more financially savvy to be.. less broke

FINANCIAL TIP:

Use a personal loan to consolidate your outstanding debt at a lower interest rate!

Sign up for our newsletter for financial tips, tricks and exclusive information that can be personalised to your preferences!