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Direct Asia Travel Insurance Review: Low Pricing And Competitive Coverage

SingSaver team

SingSaver team

Last updated 22 February, 2021

Direct Asia offers attractive deals to suit budget conscious travellers. The plans are also suitable for travellers who are planning a road trip, sports lovers, and pet owners to boot.


One very important expense everyone needs to make before heading overseas would be purchasing a travel insurance policy. Direct Asia's plan offers attractive deals to suit budget conscious travellers and vacationers with unique needs.

Here's everything you need to know about the Direct Asia Travel Insurance policy:

Product summary

Emergency Medical Evacuation/ Repatriation
Benefit limit of $1,500,000 across all Plans.

Fraudulent Use of Credit Card
Direct Asia will pay the irrecoverable unauthorised charges for which you are made liable for if your credit card is lost or stolen whilst overseas on an insured trip.

Reluctance to Travel following an Act of Terrorism
Direct Asia will pay for any irrecoverable transport and accommodation expenses for which you have paid or are contracted to pay, if you decide to cancel, curtail or amend an insured trip following an act of terrorism within 50km of your booked accommodation.

Leisure Activities Cover
Your policy automatically covers you when you are participating in regular sports and activities. These include but are not limited to racquet and ball sports (e.g. tennis and basketball), golf, cycling, running, swimming, fishing, hot air ballooning, snorkelling, surfing, yachting and hiking without ropes or specialist equipment up to 1,500m in altitude.

Rental Car Excess
Direct Asia will cover the excess if you have an accident in a rental car during your trip.

Pet Hotel
If your cat or dog is in a kennel/cattery and your return trip is delayed, Direct Asia will pay for your cat or dog's additional accommodation fees that you become liable for.

Policy exclusions

The list of exclusions for this policy include the following:

  • Pre-existing conditions (including  emotional or psychiatric disorder/ conditions)
  • Travelling when medically unfit/ Travelling against Medical Practitioner’s advice/ Travelling for purpose of seeking medical advice 
  • Childbirth/pregnancy-related complications
  • Cosmetic treatment claims not classified as Medically Necessary
  • Intoxication by alcohol/  non-prescribed drugs or medications
  • Travelling against advice of regulatory authorities/ Travelling to a country at war
  • Loss/ damages covered by other insurance
  • An act of terrorism involving the use or release or threat thereof of any nuclear weapon or device or chemical, biological, bio-chemical, radioactive or similar agents, electromagnet weapons, discharge, explosion or use of weapons of mass destruction
  • Loss/ Damage due to confiscation or detention by customs or other officials or authorities
  • Sports where you are participating as a professional or for any incentive or reward

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

Types of plans

Direct Asia Travel Insurance offers DA150/DA200/DA500 for Single Trip plans and DA200/DA500/DA1000 for Annual Multi-Trip Plans. Please refer to the full list of benefits and exclusions in the policy wording for more details.

Plan Type Cancellation Medical Coverage (Overseas) Bags/ Belongings
DA150 $3,000 $150,000 $1,000
DA200 $10,000 $200,000 $3,000
DA500 $15,000 $500,000 $5,000

Add-Ons/ Optional Cover: Extreme Sports and Activities, Sports Equipment and Maid (Family Plans only)

DA150 Plan

This tier of plan is available for Single Trip only. DA150 with its low pricing is a good bargain. In terms of travel inconveniences, Basic Plan offers a benefit limit of $1,000 for baggage delay (at $200 for every six hours of baggage delay). Personal accident coverage is at $100,000.

DA200 Plan

This tier is available for both Single and Annual Plan. It is a good buy for travellers who are looking for affordable pricing with decent coverage. In terms of baggage delay, the benefit limit is capped at $1,000 (at $200 for every six hours of baggage delay). Personal accident coverage is at $300,000.

DA500 Plan

DA500 is available for both Single and Annual Plan options. It provides higher medical coverage at $500,000. Baggage delay benefit limit is still capped at $1,000 (at $200 for every six hours of baggage delay) and personal accident coverage is at $500,000. This is good for travellers who wants a cheap price with a relatively decent amount of coverage.


DA1000 is only available for annual multi-trip coverage and it provides cancellation benefit limit of $25,000, high medical coverage at $1,000,000 and bags/ belongings limit of $7,500. Baggage delay benefit limit is still capped at $1,000 (at $200 for every six hours of baggage delay) and personal accident coverage is at $500,000.


We compare prices across the various plans (basic/ mid-tier/ top shelf) for both Single Trips and Annual Trips. We recommend Direct Asia plans for those whose main concern is price. Here are the plans and price tiers:

Basic Plan

Trip Type DA150 (Single Trip)/ DA200 (Annual Plan) Industry Basic Plan Average
1 week Asean $35 $26
1 week Asia $43.80 $32
1 week Worldwide $73.10 $46
Annual Asia $248.30 $208
Annual Worldwide $348.30 $282

Mid-Tier Plan

Trip Type DA200 (Single Trip)/DA500 (Annual Plan) Industry Mid-Tier Plan Average
1 week Asean $40.30 $33
1 week Asia $49 $41
1 week Worldwide $78.50 $59
Annual Asia $308.30 $242
Annual Worldwide $398.30 $332

Top-Shelf Plan

Trip Type DA500 (Single Trip)/DA1000 (Annual Plan) Industry Top-Shelf Plan Average
1 week Asean $54.30 $47
1 week Asia $70 $58
1 week Worldwide $98.10 $80
Annual Asia $396.70 $310
Annual Worldwide $480 $430

How to make a claim

To make a claim, please call +65 6532 1818 (Singapore) or +65 6603 3699 (Overseas) for Direct Asia’s claims hotline. Alternatively, email Direct Asia at

Direct Asia Travel Insurance Promotion:
Receive a 40% discount when you apply for a single/annual trip policy. 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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